The bank president felt that the corners of his mouth were bitter, and anyone who was ignored would feel bitter.

But no matter how bitter it was, he still maintained a pretty good demeanor, followed Cheng Yu and the pipeline all the way, and sent them out of the door.

Seeing that Cheng Yu had already walked to the side of the road, the governor sighed and said secretly, at least this month's storage performance will decline sharply, and I don't know how long it will take to make up for it.

He couldn't help but start envious of the colleague whose name he didn't know, and without any effort, he inexplicably increased his savings by more than 20 million.

The pipeline took the car, and after Cheng Yu got in, he waved his hand and shouted: "gogogo......"

After hesitating for a moment, Guan Lu still said, "Cheng Yu, why didn't you talk to the bank president just now?"

"Then what's there to talk about, he just wants to leave the money in their bank......"

"It's a lot of money, it's definitely a lot, and if you go to other banks all of a sudden, their performance this month will be very affected. ”

"What does that have to do with me? I don't have an account with their bank. Cheng Yu felt that the pipeline was a bit inexplicable.

Guan Lu sighed and said, "Big brother, do you really don't know or don't know?"

"What do you mean?" Cheng Yu seemed to sense something.

"To be honest, there are twenty or thirty million people in private accounts at once, even those who are worth billions may not have them, and it is even rarer to put them under the same account and in the same bank at the same time. Didn't you see that the president was about to come out in a hurry? This had a very big impact on the performance of their business office. So, if you can agree to keep that money with them, you're sure to enjoy a lot of benefits. ”

"It's not all in the name of the account, what good can it be?" Cheng Yu still didn't understand.

Guan Lu shook his head speechlessly and said: "You are actually an economics major, you understand those big truths better than anyone else, and you don't understand the unspoken rules in the financial industry at all." ”

"You say, what's the benefit? ”

"Let's say, if you give the president a promise that the money will stay on his business office at least for as long as it is, and even our company, the company's account can be opened with them, and I dare not say that it will not be too much of a problem to get an annual interest rate of more than five points on this money. Then, you can enjoy a lot of convenience in the future at their bank, and even if you need a loan or something, they will also help you handle it more conveniently than other banks......"

Cheng Yu's eyes widened, and he said sneeringly: "More than 20 million, five points of interest a year? Isn't that more than 1 million?"

Guan Lu nodded, and Cheng Yu said again: "But I can't lie this money in their bank for more than a year......

"No one asks you to save for a year, usually you can enjoy it for 30 days and 45 days at most. After all, it is such a large amount of cash, and it is not as simple as transferring accounts between companies! Every bank, every business office, has a certain amount of savings every month. ”

"How can you still do this?"

Cheng Yu was silent, and his mind began to spin.

In China, banks seem to be a certain financial sector opened by the state, but with the emergence of private banks in recent years, and even personal capital has begun to intervene in the banking industry, everyone has begun to understand that banks are essentially no different from an enterprise or company.

Absorb depositors, get enough money from depositors, and then give depositors a certain amount of interest.

The funds are then used to make loans from multiple sources.

There is no doubt that the interest on the loan is much greater than the interest that the bank pays to the depositor, and this is the basis for the bank to make a profit.

And a bank, the more depositors it absorbs, the more funds it has, and the greater the room for turnover.

To put it bluntly, the bank's own funds are very limited, and it is more dependent on the turnover of funds between large and small customers to make profits. Different from traditional industries, the goods of banks are currency, and tens of millions or even hundreds of millions of funds in corporate accounts seem to be nothing, but in personal accounts, even millions or tens of millions of dollars are quite a considerable amount of funds.

In a city like Wudong, which can be ranked among the top ten in the country, hundreds of thousands of funds need to be withdrawn from the bank in advance, not to mention tens of millions.

For example, Cheng Yu's money, it is almost difficult to withdraw cash, even if it is a transfer, it is also a nerve-wracking thing for such a business office.

That is, between Zhou Datong's family and this bank, the funds are very close, so he can let the bank issue a cashier's check in such a short time and help Cheng Yu transfer successfully.

If this were someone else, without a three-to-five-day appointment, it would be impossible to use more than 20 million dollars.

"Then why didn't you say it earlier?" Cheng Yu waited for the pipe, very depressed.

Guan Lu sighed and said, "How did I know that you were such a little white?"

"Then you mean that I will go to the bank where I got my card and transfer the money back now?"

"You don't necessarily have to turn it back, but at least you can go to the other bank's bank to show your attitude and see if they can give you some discounts or something. And this side has only done the formalities, and the money has not been actually remitted, so it should be directly revoked. ”

"Anyway, no matter where I put my money, I can negotiate a high interest rate with them, and I will receive a hundred thousand yuan in a month?"

Guan Lu nodded and said, "That's pretty much what it means." ”

Cheng Yu pushed open the door without hesitation, got out of the car, and went straight to the bank just now.

The vice president had just returned to the business hall and was about to go to his office on the second floor when he heard the sound of hurried footsteps behind him and subconsciously looked back.

Hey, why did Cheng Yu come back again?

"Mr. Cheng, do you have anything else?" the president struggled to put on a smile and walked back.

Cheng Yu said quickly: "Oh, I was in a hurry just now, I didn't pay attention to you, I'm sorry." ”

The president smiled bitterly: "It's okay, you have something to do, understand and understand." ”

"Did you just want me to transfer the money back to your bank?"

The president was stunned for a moment, then his eyes lit up, and he said, "Why did Mr. Cheng intend to do this?"

"Then it depends on what you can offer me. ”

The president was happy when he heard this, and hurriedly invited Cheng Yu back to the VIP room and began to discuss the matter with him.

In the end, the interest rate of 4.8 a year was negotiated, and Cheng Yu promised that at least 15 million of the money would remain in his personal account for more than a month.

After a month, Cheng Yu can withdraw all the funds, but if he does not withdraw, the interest rate is still calculated at 4.8, up to half a year.

At the same time, he and the company's bank account will also be opened in their bank.

The governor was busy asking people to go through the cancellation procedures, and although he paid a fairly high interest rate, he still felt that it was worth it while maintaining the performance of the month.

The rest of the matter is simple, the president directly gave Cheng Yu a new bank card, which contained a full 23 million in cash. At the same time, he signed an agreement with Cheng Yu, and it was over.

Back in the car, the pipeline asked, and Cheng Yu told him what had happened.

The pipeline nodded and said, "It's okay, four eight, our company's capital injection will not be a problem for three months." You can get at least 180,000 or 90,000 yuan in interest on that money. ”

Cheng Yu didn't speak, he was full of thoughts about how many points he could get after the money was completely credited to his account.

Genius one second to remember the address of this site:. Mobile version reading URL: m.