Chapter 727

Take the high compensation given by others as capital, and use this capital to rob others' business and dig their corner. This kind of thing is beyond Yan Zi's understanding ability, and her heart is extremely speechless.

It is quite predictable that lame Hao will be furious when he learns about this. Yan Zi is also very clear what character lame Hao is, in the face of Yang Xiaobao's so blatant provocation, he will make how violent response and counterattack, is not difficult to think of things. At that time, the rivalry between the two tigers will make people uneasy? This is much more serious than Yang Xiaobao's leading the villagers to the bronze headed fourth.

Not to mention how much trouble will be caused in her own jurisdiction, she is not optimistic that Yang Xiaobao can beat the lame Hao. The reason is very simple. Yang Xiaobao has two skills, but the lame man Hao is a ruthless tiger who can really put people into sacks and sink them into Xiangye lake.

"Yang Xiaobao, I said, can you stop doing this?" Yan Zi weakly asked, tone almost begged, "really want to what happened, I can't protect you."

"Oh, district chief Yan is worried about me?" Yang Xiaobao laughs heartlessly, "don't worry, I have a good idea. I'll let you know when I come to you, so that you can be prepared. After all, it's your jurisdiction. I don't want your attention. At least you can't get in my way. "

Yan Zi didn't listen to her kind advice. She was angry and said with a cold face, "thank you very much. I'm ready. Can I hold you in such a big way? I don't know when I'll walk by Xiangye lake and I'll see you bubble and float up. "

"It may be that I see boss Ye floating up. He must be more ugly than me because he is swollen." Yang Xiaobao got up and left Yan Zi's house.

Leaving Xiangye Lake Garden Villa, Yang Xiaobao drove his van directly to Haizhou commercial bank.

After parking the car and entering the lobby, the lobby manager came up and said politely, "Hello, sir, what business do you need to do?"

"Cash a check," Yang said

The manager said, "you can get a number first and wait at the personal counter."

Yang Xiaobao glanced at the full waiting customers in the hall. Looking at the time, it was nearly five o'clock, and it might be too late to wait. So he went directly to the VIP room on the right side of the hall, where there was no need to queue up.

"Sir, it's a VIP room. It doesn't serve ordinary customers." The lobby manager stopped Yang Xiaobao, with a polite tone but firm attitude.

"That's OK. First of all, don't pull me into the VIP room later. " Yang Xiaobao is not reluctant to take a number on the number machine, and finds a vacancy on the bench in the hall to sit down and wait for the call.

"It's really strange that we don't ask about the threshold of VIP customers." The lobby manager glanced at Yang Xiaobao's back and muttered contemptuously. He saw that Yang Xiaobao came down from the van parked at the door, so he naturally graded him directly.

It's not that the business quality of the lobby manager is not good, but that he should judge people by their appearance when he is engaged in the work of greeting people. Otherwise, there is no way to quickly identify high-end customers. Only from high-end customers can he draw a large amount of deposits to create performance for himself.

After waiting for a long time, it was finally the turn to call at the end of the day. Yang Xiaobao passes in the check written by Ye Wenhao from the window counter. The little girl at the counter takes the check and looks at it. Her eyes almost fall off.

Yang Xiaobao said faintly: "withdraw all cash and change it into cash. First of all, no deposit, no matter how high the interest of the fixed current, no deposit, not to buy financial management. So you'd better do it for me

However, at this time, I can't help him. The little girl at the counter must have let this potential big customer go and called immediately.

So the manager of the lobby, the director of the sales department and the president of the sub branch came out together. They surrounded Yang Xiaobao and advised him to go to the VIP room to talk about it in detail. Then they went to the VIP room to pull people inside.

To pull people in, of course, it's to let this big customer with tens of millions of funds deposit here to buy financial management. Every bank has the hard task of absorbing deposits every month, and from the highest level president to the lowest level teller, they are also given different amount of task indicators.

It doesn't make much difference for Yang Xiaobao whether he cashes or deposits the huge check of 13 million yuan. Anyway, it's still so much money. But for this branch, that's a big difference. Cashing is to hand over the money, while universal deposit can be included in the deposit task statistics. The deposit task is the most important one in the bank's internal performance evaluation.

Therefore, whether Yang Xiaobao can keep the money here is related to his salary, welfare and career prospects. Therefore, the three leaders worked together to try their best to persuade him.

"I told you, if I don't go into the VIP room, don't pull me. If you don't deposit or buy wealth management, you plan to withdraw all cash. " Yang Xiaobao looked at the lobby manager with a smile.

The lobby manager blushed, but he couldn't care about the embarrassment. He said with a smile: "Mr. Yang, if you think about it again, our deposit interest is very rich, and our financial products are very rich. We can tailor a set of financial plan for you."

The director of the sales department also said, "yes, you can think about it again. You can't withdraw such a large amount of cash today. According to the regulations, more than one million cash withdrawals need to be made 24 hours in advance. More than 10 million, you need to make an appointment two days in advance, you just have two days to consider. "

The president of the sub branch is a bald, middle-aged man with gold rimmed glasses. He is as thin as a monkey. He doesn't talk much in the whole process. His sharp eyes hidden behind the lenses are looking up and down at Yang Xiaobao, as if he is trying to figure out what he is and how much oil he has.

Yang Xiaobao ignored the lobby manager and the director of the sales department and asked the branch president with a smile, "may I have your name, please?"

"My name is Wu. Mr. Yang, you have considered it. "

"Think about it." Yang Xiaobao smile, shake out the last burden: "want me to deposit can, I want to deposit after the loan."

He didn't install so many force in order to make the lobby manager look ugly and let him eat. It's boring. His ultimate goal is to get a loan. The 13 million deposit given by Ye Wenhao is not a small amount, but it's still hard to start real estate development.

Let alone build a house, it's not enough to use all of it for land acquisition - Yang Xiaobao doesn't want to be as black hearted as ye Wenhao and Tongtou Laosi, and kill the villagers in Wuxian village. The compensation for demolition will be high or low, and of course, it's impossible to give a white slip.

It all costs money, a lot of money. Yang Xiaobao roughly estimated that there are about 80 households in Wuxian village. The housing area of each household ranges from 78 square meters to more than 100 square meters. On average, even if each household has 100 square meters, the total area is 8000 square meters. The price of compensation for demolition is high, but not low. According to 6000 yuan per square meter, the total is about 50 million yuan.

It's not enough to rely on the 13 million on hand alone, so we can only use this check as a guide to borrow a lot of money from the bank. Or it won't even open. These are all planned before he entered the bank.

Yang Xiaobao said that he planned to "save before lending". The lobby manager and the director of the sales department looked at each other and thought that you had put so many music scores. You didn't want to save money, you wanted to borrow money.

After all, President Wu was a bit more knowledgeable and showed a "so it is" smile. He politely said: "we can talk about it. Mr. Yang, please go to the VIP room

"Deposit before loan" is a special routine operation for big customers. For example, when a customer deposits one million yuan in the bank, the bank will lend him three or four million yuan.

In this kind of operation, because customers have demonstrated their financial strength by means of directional large amount deposit, it is equivalent to partially proving their repayment ability in disguise. Therefore, the risk of this kind of loan is relatively small compared with the ordinary business loan, and the threshold of bank lending is also lower.

But no matter how low the threshold is, there is a threshold. It's impossible for anyone to deposit a million dollars in the bank and easily lend two or three million dollars, so the bank would have gone bankrupt. President Wu said "can talk", that is really just can talk. Whether this money can be lent to the other party depends on the specific credit qualification of the other party and the business status of the enterprise.

President Wu invited Yang Xiaobao into the VIP room and made him a cup of Longjing tea with a purple sand tea set. Then he slowly asked, "what's Mr. Yang's business?"

Yang Xiaobao said with a smile: "real estate."

President Wu nodded and felt satisfied. Haizhou's real estate industry has a bright future, which can be achieved. After the industry finished asking, President Wu inquired about the business situation: "how much is the registered capital of your company?"

Yang Xiaobao casually reported an amount: "50 million."

Registered capital should not be true. When handling industrial and commercial registration, false report of registered capital is equivalent to hidden rules. There are lots of brokers and agents in the government affairs hall of local industrial and commercial bureaus. They are all engaged in this business.

As long as you are willing to pay a service charge, not to mention 50 million of registered capital, it is 100 million. They also have channels to deal with it for you. It's nothing more than to transfer the fund to your company account, ask the bank to issue a deposit certificate, and then take the deposit certificate to the Administration for Industry and Commerce for registration. As for whether you borrowed the money or robbed it, the industrial and commercial bureau doesn't care. After the event, whether you want to transfer the money or keep it there is also a matter of indifference.

So a lot of shell companies are prone to have a registered capital of tens of millions and billions, and they have a huge shelf. In fact, there is no bullshit in them - it is indeed an economic crime to falsely report the registered capital, but no one will really check you. Yang Xiaobao has done business, opened a company, and personally registered with the industry and Commerce Department. Naturally, he has a clear understanding of these things.

Registered capital of 50 million for real estate companies, of course, is not much, but it can also take the hand. President Wu was satisfied, but it was not enough. He then asked, "Mr. Yang, what real estate projects have your company ever done? What's the annual profit? What project is being developed? "

The above questions are all foreshadowing. Now these questions are the crux of the matter. They can't be boasted. They can also be found out by the other party.

Only today did Yang Xiaobao decide to engage in real estate development. He didn't even think about the name of the company, let alone the past real estate projects and annual profits.

There's no way to answer that.