Chapter 353

Thinking about making friends, Wang Dashao did not take the initiative to bring rhythm.

The smile is friendly, but the attitude is reserved.

As the saying goes, wife is better than concubine, concubine is better than stealing, stealing is better than not stealing

Human nature is cheap.

"Chu Xing is a senior. I'm very frightened that you love him so much."

After careful words, Wang Dashao finally only responded to such a sentence.

They are not salty and insipid. They are not close to each other in attitude, but they are not lacking in etiquette.

Chu Hong's attitude is still so enthusiastic, even more enthusiastic.

Although Wang Dashao is seriously lack of social experience, his grasp of human nature is too accurate. He directly hits Chu Hong's G-spot.

As far as the financial system is concerned, the former two faces are different.

If you have money, you are more intimate than your father. You can bring tea, bring water, rub your shoulders, beat your legs, saddle and horse.

If you don't have money, you won't even look at it.

This is the reality of the industry that deals with money every day.

So the more Wang Yan put on more airs, the more positive Chu Hong would be.

It's hard to do well!

The more difficult it is to make customers, the more loyal they will be after they are settled, and they will not change their homes easily.

Most and less are arrogant, which is like grass-roots local tyrants so haggard, have milk is mother?!

People's livelihood is no better than the four major industries. Their strength and ability are far from each other. What they play is service.

Chu Hong's positioning of his bank is very clear, so he is even more willing to be shameless. If he is the vice president of the same level of the universe bank, he will not lick it like that.

Are you cold?

Our universe is higher and colder!

……

"Wang Shao, it's better to meet by chance. It's really rare today. I can tell you that you can go back and take some time to go to my place, and I'll make up the gift for you!"

Chu Hong's licking skill is really good. Even if Wang Yan has everything, he is very curious about it.

"It's very kind of you. What gift is so mysterious?"

"In fact, it's not worth mentioning to you, but I'm sure you can use it."

Guan Hong gave another explanation.

"Our people's livelihood is pushing a new infinite card this year, which is the highest level credit card of our bank. The benchmark is the black card of centurion of ICBC, and the more famous overseas one is Yuntong Centurion.

Of course, our strength can not be compared with that of American Express. The new card is not so strong in the world, but it is relatively new in China, and the rights and interests are very good. "

"Oh?"

Mr. Wang's interest was very low, but his cooperation showed his curiosity.

I'm kidding. Is brother the one who needs a credit card?

Your so-called rights and interests are not enough for me to breathe. What's the trouble?

Chu Hong couldn't imagine how abnormal the young people were in front of him and were still enthusiastic about science popularization.

"24-hour exclusive customer service and so on are the most basic rights and interests.

In addition, there are 48 times a year in moduyanli spa, two times of tooth washing and physical examination in Jiaotong University Medical College, 48 times of shuttle flights, 8 times of golf, 88 times of fitness and swimming in five-star hotel venues, senior membership of Jilin airlines, Hainan Airlines and Singapore Airlines, senior membership of Ritz Carlton, Shangri La and four seasons, and all five-star hotels are staying in three pay two

In the words of card game experts, the infinite card of our people's livelihood is a magic weapon of returning blood, and its rights and interests are worth more.

And the most important thing is that our card face value is very high, titanium metal coating, heavy and style, even can emboss your signature.

Do you think that when we have a dinner party, everyone takes out their cards to pay for the bill. When others take out the cards, they are all plastic cards. When you take out the cards, you will directly oppress the whole audience. Is it particularly face-saving? "

There are a lot of them. Only the last sentence is interesting.

For Wang Dashao, handsome is the most important thing, and the rest can be put back.

However, as an economics student, Wang Yan asked more questions with a learning attitude.

"What you mean by rights and interests is that the original consumption of those rights and interests is enough to cover the annual credit card fee, right? So, isn't your bank losing money? "

When Wang Yan was willing to talk, Chu Hong was happy, so he took the trouble to break apart the explanation.

"We won't lose, but you must have made a profit.

The annual fee of the private customized unlimited card is between 36000 and 100000, which gives you the highest level of rights and interests. If you buy it all by yourself, it will cost about 200000 yuan.

Of course, you don't care about the 100000 price difference. We only talk about using cards.

If you have a 2 million consumption, swipe our card, the longest interest free period is 50 days, you should immediately spend that 2 million cash, used to buy our financial products - daily interest 1.0 million, there are many, casually choose.

In 50 days, you can make a net profit of more than 15000. When you repay the loan when it is due, it will not generate any expenses. It also has a large accumulation point. It is worth 6000 + in conversion.Take your company's fixed expenditure on official swipe as an example. Suppose that the fixed amount is 10 million yuan per month. If you pay by credit card, you can save more than 70000 per month!

A year is about one million, which is equivalent to a new car or raising a female college student without paying a cent.

In addition, the salary and reward that your company has to settle for the anchor every month may become an astronomical figure in the future.

If you have the ability to let the platform settle for you half a month earlier, and at the same time settle for the anchor half a month later, how much interest rate income can be generated?

Money begets money. Isn't that how you play? "

Sleeping trough!

Niu bi

Wang Yan doesn't care about the money itself, but this idea is really enlightening.

It's like opening a new door.

The money knowledge learned in the past flowed slowly in his mind, converged into a river and accumulated into a lake, which made Wang Yan feel suddenly enlightened.

How can those large supermarket chains with meager or even negative profits survive, or even live well?

Cash flow!

As long as you have cash, it's not easy to be coquettish!

And Wang Ting entertainment is born to be a heavy cash flow company.

Suppose that in the future, the company will cultivate two or three hundred top anchors, corresponding to about 50 platforms.

For a small platform, an upper level anchor can flow for about 30000 to 500000 months, while for a large platform, it can reach 2 million. On average, even if each person has 1 million months of running water.

How much is that?

Two or three billion!

If the market volume is not so large, it is impossible to win up so many anchors?

Yes, the market is not so big now. Let's not talk about the market growth rate in the future, just talk about the present -

Wang Yan can be praised by private officials!

In the past, Wang Da paid less than 5 million yuan and could come back about 85%.

What about the future?

With the increasing power of Wangting entertainment, it is enough to press the platform and get the best share.

The cat bear TV, which is currently under negotiation, has given extremely generous conditions close to the top grid.

After that, private recharge of 100 million, 200 million, or even 3.5 billion a month, opened various small models in 50 platforms, and there was no problem with the reflux ratio of 95%!

Even if we brush 1 million yuan and come back 1 million yuan, we can only make a lot of fun on the platform!

On this basis, the flow of Wangting entertainment will also be very terrible. As long as the monthly profit of 1% can be achieved, it will be a huge income!

The more Wang Yan thought, the more excited he was.

Ma Dan yo, other people wash horse milk all lose money, how come to elder brother here, still can return to make a fortune appearance?

Big and young people do not lack money. However, if you throw the clean money you earn back into charity, and spend it on children who are out of school, seriously ill patients and elderly people who have lost their orphans, is it not fragrant?

Very fragrant!

Of course, there are still two prerequisites to make a profit.

First, tax exemption policy.

Second, large amount of interest free loans.

In terms of Taxation, Wang Yan does not intend to be opportunistic.

According to the normal payment, how much should be paid, even if it is to take their own private money, to subsidize the state.

Wang Yan will spend his winded fortune more peacefully if he can make some contributions to the country and society.

As for large interest free loans

An infinite card is not enough

But it doesn't matter, there are many domestic banks, each one, I can't brush you!

What to do if the live broadcast platform doesn't cooperate?

It doesn't matter. We'll set up an overseas fund, open dozens of leather bag companies, and acquire dozens of small platforms.

I don't want you to make money, balance income and expenditure. If you can issue employees' wages and pay business tax on water and electricity grid charges, it's OK.

The survival of the fittest among platforms is the same with employees.

Finally, a good platform to win, the development and the listing.

Finally, the successful employees will be promoted step by step and become the core team of the group!

Two or three years later, when your historical mission is completed, I will also hold an excellent teacher and complete the substantive rule over the whole live broadcasting industry!

The live broadcasting industry is not big, but there are many things that can be done

Just at the moment when Wang Yan made up his mind, an unprecedented shadow, like an iron curtain covering the whole live broadcasting industry, began to gather.

The devil?

Because of Stefan!

……

The so-called pattern does not lie in the size of the industry, but in the perspective of the problem.

Looking down from a high place, we can make use of the favorable side of the industry and use it to the extreme, instead of being trapped in it and struggling for it. This is the pattern.

Inspired by Chu Hong, Wang Yan completed the overall layout of the live broadcasting industry in an instant. His strategic plan was clear and clear, and he went forward bravely without fighting for gains and losses. He was a leader at the beginning, and his mind was clear and his vision went up to a higher level.Some changes in mentality, reflected in temperament and attitude, make Wang Yan's performance more leisurely and leisurely, with an atmosphere of holding the whole situation in hand.

He Miaomiao is just like a god like woman. Such a small change was noticed at the first time.

Sensitive look at Wang Yan one eye, and then look suspiciously non-stop, in the heart crazy cry: how to return a responsibility? Suddenly it's like my father!

What are you doing, dog?!

Wang Yan doesn't pay attention to he Miaomiao. She doesn't want to guess her mind. If she has that time, she might as well do something serious.

"Chu Xing, it's interesting to hear that, but what about the quota? It's hard to make a toss at a million dollars. "

It was crazy, but Chu Hong recognized it.

Subconsciously, he glanced at Miss He, and Chu Xingchang swallowed his mouth.

Don't get me wrong. It's not because of her fairy face, but because she recognized miss he's watch and earrings.

Simply estimate the price in my heart, darling, 15 million can't beat!

The shape of the art master s12g-9479 of Jiang Shi Danton is so well recognized that it has woven flowers and nearly 200 top-level diamonds. It has attracted countless ladies and ladies since it was born this year.

Price 950000 euro.

The fortune of female companion is so amazing, what strength is Wang Yande?!

Absolutely more terrible than the rumor!

He gritted his teeth in secret, and Chuhong said with a smile: "the amount of 3 million yuan is up to me. I will give you approval directly. I don't need to trouble you with anything! If it's any higher, I don't have the authority. I can only ask you to cooperate... "

"Well intentioned, I have a straight character. It's not interesting to tell you the truth."

Wang Yan shook his head in silence, which did not seem regretful and showed no interest.

After that, turn the subject directly.

"I'm going to take pictures of the two floors of Mordor office building recently. I just have a problem. Please ask me."

Chu Hong was a little impatient, but he had a lot of experience. He knew that he could not eat hot tofu.

"You may tell me that it's my honor to put forward some opinions and suggestions in the professional field."

"Thank you very much. I'm short of advice."

Wang Yan nodded and said slowly: "that is the auction of two-tier courts. The evaluation price is 480 million yuan, and the auction price is 320 million yuan. The position is

I would like to ask, similar asset appraisal, how does your bank give the price?

If I want to use those two floors to inject Wang Ting's entertainment, what value should I take?

In the future, if Wang Ting entertainment wants to use asset loans to expand its business, how much cash can it possibly lend?

I would like to know people's opinions on such projects. "

Chu Hong was stunned and his eyes lit up with a layer of blazing light.

Wang Ting entertainment wants a loan?!

Wang Dashao's bait worked.

The intermediate business of domestic commercial banks is not developed, and loans are the lifeblood of banks. To put it simply and roughly, the ultimate purpose of domestic banks to attract deposits is to lend them all out again.

Of course, lend to trustworthy people and businesses.

Therefore, the actual situation is always particularly ridiculous -

the more qualified and well-off large enterprises, the more banks want to ask them for loans.

On the contrary, small and micro enterprises that are really short of money can not get much loans.

Wangting entertainment is a small and micro enterprise, but it is a special company with good qualification.

There is no debt, monthly water explosion, cash flow tens of millions, even soon will have a net asset of 500 million!

The office buildings in Pudong core circle are used as mortgage loans, and there is almost no risk.

The rise may not move much, but it is impossible to fall down again. It is very stable.

Chu Hong was excited and immediately began to think: how can we take Wang Yan down?

What do you like?

AI Jialiang didn't say anything about Wang Yanhao

Some of them have been pondering for a long time. Their expression is very serious, as if they are thinking about Wang Yan's problems. That is called a heart.

In fact, such a simple question can be answered without a brain.

After acting almost as well, Chu Hong finally spoke cautiously.

"In general, we will use the data of the designated third-party evaluation company, combined with the opinions of the internal credit department, to make a comprehensive credit line confirmation.

For the time being, I don't know the issuing party of the evaluation report of your office building, but from my experience, the valuation of 480 million yuan is not a big problem. Haiguang building is definitely worth that price.

After next year, it will be the peak season for office rental and sales. When you do another assessment, you may even achieve more than 520 million.

If you need it, Mr. Chu, I'll help you to intervene. 600 million yuan is not a problem

We give credit according to the highest 70% discount, and we can give you more than 350 million to 400 million mortgage loans.On the other hand, the overall market value and profit margin of your company will affect the interest rate of the loan.

Your company has not yet been listed. The conventional market value statistics are based on P / E ratio or P / B ratio. The current P / E ratio of your company is very good. However, since heavy assets are injected immediately, it is better to calculate according to the P / E ratio.

Generally, it is twice the valuation of net assets. In other words, your company can be called a large enterprise with a market value of 1 billion yuan!

At present, the benchmark interest rate of loan is 6% below 5 years and 5.6% within 1 year. According to your conditions, the interest rate should be lowered by at least 20%!

In my opinion, there should be many colleagues to fight for it. "

Hmm?!

Can the bank's benchmark interest rate go down?!

Wang Dashao was shocked.

No matter how many books I read and how much theoretical knowledge I have learned, I still can't understand the real society's Sao.

Of course, the grassroots can not enjoy that kind of treatment, but for large enterprises, related households and potential stocks, what is the downward floating interest rate?

Chu Hong didn't find any expression on Wang Yan's face. He was afraid that most of them would not be satisfied. He was trying to suppress his bad feelings.

"Wang Shao is young and energetic. He takes beautiful girls with him wherever he goes. Maybe it will work wonders if he comes back and releases flowers."

That certainly can't. We are not that kind of Wang.

Honest Wang leisurely smiles and waves his hand: "Chu Xing is too famous. We Wangting entertainment is just a small company. Buying two floors is my personal hope to give employees a sense of belonging and stabilize their morale.

When I inject capital to the level of 1 billion, I will pretend to be a large enterprise... "

The name of modesty is really showing off wealth.

Wang Yan is definitely a master Duan.

Chu Hongxin was too hot to bite. He wanted to jump up with his fishing line.

Still that sentence: human nature is cheap.

The more Wang Yanyue was careless about the loan, the more Chu Hong wanted to lend him.

In fact, it's not that a vice president is particularly good at bluffing. If someone else acts for Chu Hong, he can only get two sneers and a sneer: silly beep!

Wang Yan is different.

Chu Hong's view on big and small is: the strength is unfathomable.

If normal people are allowed to judge the whole thing, they will feel that Wang Da is not short of money.

It's really short of money. Just don't buy those two floors. How much can you do if you invest 320 million yuan in Wangting entertainment?

First with cash to buy a house, and then special to loan, do you deserve it?

Are you crazy?!

Only those who have no shortage of money will be in the initial stage of the development of an entertainment company and set up headquarters.

It's not a necessary production equipment. Renting a building doesn't affect business operation at all. It's not a local tyrant who is playing with it!

Anyone with normal intelligence would make the same judgment.

Who could have thought that Wang Yan had nothing in fact. He was so short of money that he expected the two floors of office buildings to produce vegetables?

So Chu Hong was not wronged.

At present, the big president has begun to consider the extent to which conditions should be relaxed in order to "coax" Wang Yan to open a basic household and make loans in his own family.

Ah, it's hard to ask for help

I can't bear my daughter-in-law. I can't get rid of the hooligans!

"Wang Shao, talk about other things slowly. You have to accept the gift!

If you don't think the credit limit of that card is too small, do it like this. When you get your two-story office building, you can come to me to make a proof of assets. The procedure is very simple, and you will not delay your time!

Then I'll help you to apply for a super large personal credit. I'll give you a card of 20 million yuan, which is almost enough for pocket money? "

Chu Hong's face was sincere, but in his heart he was secretly laughing.

If you really do credit in our home, when the loan can not be from you!

Play with me, young master, you are still tender!

Gagaga

What can Wang Yan do with such kindness?

I have to give you a face!

"Well, Chu Xing, you don't agree to anything with so many high hats on me. It seems that I'm particularly inhuman

I'll take your blessing and get a credit card to play with

Oh! I can tell you in advance, just for once, never again!

I don't like being ungrateful in my life... "

Wang Dashao, with a wry smile, shaking his head and sighing, looks like the second generation of a young man who has achieved success. He is put up by face and can't get down.

Chu Hong was very proud and laughed.

"Wang Shao, don't be kidding! Why do you owe people? Clearly, it was my old Chu who brought a top customer and made a great contribution to the new card business!

My old Chu owes you!

You must give me a chance to thank you very much

Wang, the film emperor, nodded with a smile: "well, I'm in a bad mood with many expensive credit cards! Next time I have a chance, I'll kill you. Don't complain. Let's talk about making friends again"It's done! A word from a gentleman can never be recalled! "

Chu Hong was overjoyed and felt that his relationship with Wang Dashao had finally made substantial progress.

He Miaomiao takes a pitiful look at Chu Hong, who is overjoyed, and turns his eyes in silence.

Fool!

Although I don't know where the pit is, if the dog doesn't pit you, my princess will take the dog's surname Wang later!

My father is also really, always I talk about what the society is dangerous, evil intentions.

Where is the danger?

One by one, they are all mentally retarded. Dogs are the most dangerous!

Eh?!

The dog is so insidious and cunning that he has not pit me?

Suddenly, the first lady finally realized that there seemed to be something wrong.

…………………………

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