God of Life

He was thinking about making friends, but Young Master Wang didn't take the initiative to lead the rhythm.

The smile is friendly, but the attitude is reserved.

As the saying goes, a wife is worse than a concubine, a concubine is worse than a thief, and stealing is worse than not being able to steal...

Human nature is cheap.

"Chu Xing is a senior. I am terrified by your love and affection."

After changing his words carefully, Young Master Wang finally only responded with this sentence.

Neither salty nor bland, and a bit literal, unfriendly in attitude, with airs, but not lacking in etiquette.

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

Although Young Master Wang seriously lacked social experience, his grasp of human nature was too precise, and he directly hit Chu Hong's G-spot with one needle.

For the elites in the financial system, the first two faces of different people are only the most basic professionalism.

If you have money, then you are closer than your own father, serving tea and water, rubbing your shoulders, beating your legs, saddle, horse, and horse.

If you have no money, you won't even look at it.

The industry that deals with money every day is so realistic.

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

It's hard to do well!

The more difficult a customer is, the more loyal they will be after they are dealt with, and they will not change doors easily.

Both young and old are arrogant, how can they be so penny-pinching like grassroots tyrants, who are mothers if they have milk? !

Minsheng is no different from the four major banks, and their strengths and capabilities are far apart. What they play is service.

Chu Hong's positioning of his bank is very clear, so he is even more willing to put on a face. If it is the vice president of the same level of the Universe Bank here, it is likely that he will not be so licking.

Are you cold?

Our universe is much colder!

...

"Young Master Wang, it's better to meet you by chance than to invite you. Today is really rare. I can tell you that you can go to my place some time later, and I will make up the meeting gift for you!"

Chu Hong's licking skills were really good, even if Wang Yan didn't lack for anything, he was very curious about it.

"You are too polite, what kind of gift, so mysterious?"

"Actually, it's not worth mentioning to you, but I believe that you will definitely be useful at times."

Chu Hong made another excuse before giving an explanation.

"Our Minsheng is launching a new Infinite card this year, which is the highest level of our bank's credit card. The benchmark is the ICBC Centurion Black Card, which is more famous abroad called Express Centurion.

Of course, our strength is incomparable to that of American Express. The new card is not that strong internationally, but it is still relatively new in China, and the benefits are very good. "

"Oh?"

Mr. Wang suddenly lost interest, but showed a little bit of curiosity in cooperation.

Just kidding, do you need a credit card?

Your so-called rights and interests are not enough for brother to breathe, what about making trouble?

Chu Hong really couldn't imagine how abnormal the young man in front of him was, and he was still enthusiastically popularizing science.

"24-hour exclusive customer service and the like are the most basic rights.

In addition, there are 48 visits to Yanli SPA in Magic City every year, two dental cleanings and physical examinations at Jiaotong University School of Medicine, 48 pick-ups and drop-offs, 8 golf visits, 88 fitness and swimming visits in five-star hotel venues, advanced membership of Jihang, Hainan Airlines and Singapore Airlines , Ritz-Carlton, Shangri-La, Four Seasons senior membership, all five-star hotels stay three pay two...

In the words of those card players, our Minsheng Infinite card is an artifact of blood recovery, and the rights and interests are overvalued.

And most importantly, our cards are of high quality, titanium metal plating, thick and stylish, and even your signature can be embossed.

Think about it, when you have a dinner party, everyone takes out their cards to pay the bill. When others take out a plastic card, when you take out a card, you directly overwhelm the audience. Isn't it extraordinarily honorable? "

There are a lot of ba ba, only the last sentence is interesting.

For Young Master Wang, being handsome is the most important thing, and the rest can be put aside.

But as an economics student, Wang Yan still asked one more question in a learning attitude.

"The rights and interests you talked about are good, which means that the original consumption of those rights and interests,

Enough to cover the annual credit card fee, right? So, isn't your bank losing money? "

Chu Hong was happy when Wang Yan was willing to chat, so he took the trouble to explain.

"We won't lose money, but you must make money.

The annual fee of the private customized unlimited card is between 36,000 and 100,000, which gives you the highest level of rights and interests. If you buy it all by yourself, it is estimated to cost about 200,000.

Of course, you definitely don't care about the 100,000 price difference, let's just talk about using the card.

If you have a consumption of 2 million, and you swipe our card, the longest interest-free period is 50 days, and you use the 2 million cash that should have been spent immediately to buy one of our wealth management products-daily interest 10,000 There are a lot of one-point and a few, just pick it.

In 50 days, you can earn more than 15,000 in interest, repay the loan when it is due, without any fees, and have a large amount of accumulated points, which is worth almost 6,000+ in conversion.

Take your company’s fixed expenditure on official payment as an example, assuming that the fixed payment is 10 million per month, if you use credit cards from various banks to pay, you can save more than 70,000 per month!

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

By extension, your company has to settle the salary and rewards for the anchor every month, which may become an astronomical figure in the future.

If you have the ability to let the platform pay you half a month earlier, and at the same time pay the host half a month later, how much profit can be generated in a month?

Money begets money, isn't that how it works? "

Fuck!

Bull beep...

Wang Yan didn't care about the money itself, but this idea was really inspiring.

It was like opening a new door.

The money knowledge learned in the past slowly flowed in his mind, converging into rivers and accumulating into lakes, which made Wang Yan feel suddenly enlightened.

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

Rely on cash flow!

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

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

Assuming that the stall will be spread out in the future, the company will cultivate two to three hundred upper-level anchors, corresponding to about 50 platforms.

An upper-level anchor on a small platform has about 300,000 to 500,000 monthly turnover, and a large platform can reach 2 million. On average, even if each person has a monthly turnover of 1 million.

How much is that?

Two or three billion!

The market size is not that big, so it is impossible to win so many big anchors?

Yes, the current market is indeed not that big. Leaving aside the issue of market growth in the future, let’s just talk about the present——

Wang Yan can be a private official to push hard!

The previous situation was that Wang Dashao swiped 5 million, and he could get back about 85%.

What about in the future?

As the power of Wangting Entertainment is getting stronger and stronger, it is enough to suppress the platform and get the best share ratio.

Panda TV, which is currently negotiating, has offered extremely generous conditions that are close to the top.

After that, I recharge 100 million, 200 million, or even 30-500 million privately every month, open various small accounts on 50 platforms, and there is no problem with the return ratio of 95%!

Even, if you spend 1 million and come back 1 million, let the platform only make a lot of fun, it's no problem!

On this basis, Wang Ting Entertainment's turnover will also be very scary, as long as it can achieve a monthly profit of 1%, it will be a huge profit!

The more Wang Yan thought about it, the more excited he became.

Hemp egg, others lose money washing mare's milk, how come you can make a fortune in reverse when you come to my brother's place?

There is indeed no shortage of money, but is it not good to spend the clean money you earn backhand into charity and spend it on out-of-school children, seriously ill patients, and orphaned elderly?

Very fragrant!

Of course, to make money backwards, two prerequisites are still required.

First, the tax exemption policy.

Second, a large amount of interest-free loans.

In terms of taxation, Wang Yan didn't intend to be opportunistic.

Just pay as normal, as much as you should pay, let's use your own private money to subsidize the country.

Wang Yan would feel more at ease if he could make some contributions to the country and society with the floating money he had gained.

As for large interest-free loans...

An unlimited card is probably not enough...

But it doesn't matter, there are so many domestic banks, one for each bank, I can't kill you guys!

What should I do if the live broadcast platform does not cooperate?

It doesn't matter, set up another overseas fund, open dozens of leather bag companies, acquire dozens of small platforms, do not belong to each other, and act independently.

I don't want you to make money, make ends meet, pay employee salaries, pay water and electricity grid fees and business taxes.

Survival of the fittest among platforms, and the same is true for employees.

A good platform that wins in the end should be developed and listed.

The good employees who win in the end 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 have an elite teacher in my hand, and have completed the substantive domination of the entire live broadcast industry!

The live broadcast industry is indeed small, but there are many, many things that can be done...

The moment Wang Yan made up his mind, an unprecedented specter that shrouded the entire live broadcast industry like an iron curtain began to gather faintly.

demon king?

Because of blowing Sting!

...

The so-called pattern does not lie in the size of the industry in which it is located, but in the angle of looking at the problem.

Looking down from a high place, using the favorable side of the industry for me, and using it to the extreme, instead of getting stuck in it and struggling for it, is the pattern.

Inspired by Chu Hong, Wang Yan completed the overall layout of the live broadcast industry in an instant. The strategic plan was clear and clear, and he went forward bravely without fighting for gains or losses.

A slight change in mentality was reflected in his temperament and attitude, which made Wang Yan's performance more calm and leisurely, with an air of grasping the overall situation.

He Miaomiao was like a godlike woman, but she noticed such a small change in the first place.

He took a sensitive look at Wang Yan, then looked at him suspiciously, and shouted frantically in his heart: What's going on? Suddenly it looks like my dad!

Dog, what are you doing again? !

Wang Yan ignored He Miaomiao, she had no time to guess, if she had that time, she might as well do something serious.

He asked Chu Hong with great interest: "Chu Xing, it sounds interesting, but what about the amount? A little money of more than one million yuan is really not worth making a fuss about."

These words are so crazy that there is no limit, but Chu Hong admits it.

Subconsciously glanced at Miss He, the dignified President Chu gulped.

Don't get me wrong, it's not because of the fairy-like face, but because I recognized Miss He's watch and earrings.

Simply estimate the price in your heart, darling, 15 million won't last!

The appearance of Vacheron Constantin Master of Art S12G-9479 is so recognizable, with woven patterns and nearly 200 top-level diamonds. As soon as it was born this year, it has attracted countless ladies and ladies.

Price... 950,000 euros.

The net worth of the female companions is so amazing, what kind of strength is Wang Yande? !

Definitely scarier than rumored!

Gritting his teeth secretly, Chu Hong said with a smile: "3 million quota, I will approve it for you directly, and I don't need to trouble you for anything! If it is higher, I don't have the permission, Lao Chu, so I can only trouble you to cooperate... ..."

"Thank you, I have a straight personality. To tell you the truth, it's not interesting."

Wang Yan shook his head calmly, not showing regret, nor did he show any interest.

Then, directly change the topic.

"I'm preparing to take pictures of a two-story office building in Shanghai, and I just have a question to ask you."

Chu Hong was a little anxious, but with rich experience, he knew that he couldn't eat hot tofu in a hurry, so he was still very stable.

"Just say it, it's my honor, Lao Chu, to offer some professional opinions and suggestions!"

"Thank you, I'm in need of advice."

Wang Yan nodded, and said slowly: "That's a lot in the judicial auction of the two-story court, with an appraised price of 480 million yuan and an auction price of 320 million yuan. It's located at...

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

If I want to use those two floors to inject Wangting Entertainment, how should I set the value?

In the future, if Wang Ting Entertainment wants to use asset loans to expand operations, how much cash can they loan?

The so-called listening will tell. I really want to know Minsheng's views on such projects. "

Chu Hong was taken aback for a moment, and a fiery light quickly ignited in his eyes.

Wang Ting Entertainment wants a loan? !

The bait dropped by First Young Master Wang worked.

The intermediary business of domestic commercial banks is not well developed, and loans are the lifeline of banks. To put it simply and crudely, the ultimate goal of domestic banks to absorb deposits is to lend them all out.

Of course, lend to trustworthy people and businesses.

So the actual situation is always very ridiculous——

The more qualified and large enterprises are, the more banks want to ask them for loans.

However, small and micro enterprises that are really short of money to operate cannot get too many loans.

Wang Ting Entertainment is considered a small and micro enterprise, but it is a special company with extremely good qualifications.

Without any debts, the monthly flow is exploding, the cash flow is tens of millions, and even soon will have a net worth of 500 million!

Office buildings in the core circle of Pudong are used for mortgage loans, and there is almost no risk.

It may not rise much, but it is impossible to fall, and it is very stable.

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

Do what you like?

Ai Jialiang didn't tell Wang Yan what's so good...

After thinking about it for a long time, his expression was very serious, as if he was thinking about Wang Yan's question, that was a heart.

In fact, such a simple question can be answered with the rest of your toes without using your brain.

After the performance was about the same, Chu Hong finally spoke cautiously.

"Under normal circumstances, 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.

I don't know who issued the appraisal report for your office building, but from my experience, the valuation of 480 million is not a big problem, and Haiguang Building is definitely worth that price.

After next year will be the peak season for rental and sales of office buildings. At that time, if you make another assessment, it may even reach more than 520 million yuan.

If you need, Lao Chu, let me intervene for you, 600 million is not impossible...

We grant credit at the highest 30% discount, and can give your company a mortgage loan amount of more than 350 to 400 million yuan.

Another one, your company's overall market value and profit margin, will affect the interest rate of the loan.

Your company has not yet been listed, and the conventional market value statistics method is nothing more than price-to-earnings ratio or price-to-book ratio. Your company's current price-to-earnings ratio is very good. However, since heavy assets will be injected immediately, it is better to calculate it based on price-to-book 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!

The current benchmark loan interest rate is 6% for less than 5 years and 5.6% for less than 1 year. According to your conditions, the interest rate must be lowered by at least 20% to be considered sincere!

In my opinion, there should be many peers fighting for it. "

Ok? !

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

Young Master Wang was startled.

No matter how many books you read, no matter how much theoretical knowledge you have, without real experience, you will still not understand the reality of society.

Of course, grassroots people don't enjoy that kind of treatment, but for large companies, related households, and potential stocks, what is a lower interest rate?

Chu Hong didn't find any expression on Wang Yan's face. He was afraid that the elder and younger would be dissatisfied, and he was trying to hold back his anger.

'Wang Shao is young and has great firepower. He always brings beautiful girls with him wherever he goes. Maybe it will have a miraculous effect if he turns around and lets go of her. '

Of course not, we are not that kind of dogs.

The upright Wang calmly smiled and waved his hands: "Chu Xing is too famous, our Wang Ting Entertainment is just a small company, and I bought two floors because I personally hope to give employees a sense of belonging and stabilize the morale of the army.

When will I inject 1 billion in capital, will I be ashamed to pretend that I am a large enterprise..."

It's called modesty, but it's actually showing off wealth.

In terms of pretense, Wang Yan is definitely a master.

Chu Hong's heart was so hot that he bit the hook to death, wishing he could jump up with the fishing line.

Still the same sentence: human nature is cheap.

The more casual Wang Yan was about the loan, the more Chu Hong wanted to lend him the loan.

In fact, it's not that a dignified vice president is particularly easy to fool. If it were someone else acting for Chu Hong, he would only get two sneers and a mocking: silly beep!

Wang Yan was different.

Chu Hong's view of the young master is: the strength is unfathomable.

If normal people were to judge the whole matter, they would feel that Young Master Wang was not short of money.

If you are really short of money, just don't buy those two floors, and invest the 320 million directly in Wang Ting Entertainment, how much can you do?

Is it worth it to buy a property with cash first, and then get a loan?

Crazy? !

Only those who are not short of money will spend a lot of money to set up the headquarters in the initial stage of the development of an entertainment company.

It's not necessary production equipment, and renting a building doesn't affect the operation at all. It's not a big local tyrant who is tossing about that thing!

Any person of normal intelligence would make the same judgment.

Who would have thought that Wang Yan actually had nothing, and he was short of money, so he could just count on the office building picked up on the second floor to produce food?

So Chu Hong was not wronged.

Right now, the chief executive has begun to think about how far to relax the conditions in order to "coax" Wang Yan to open a basic account and make a loan at home.

Hey, it's hard to ask for help...

I can't bear my daughter-in-law, I can't be a hooligan, so let's give it a favor!

"Young Master Wang, talk about other things slowly, you have to keep the meeting gift!

If you dislike that the credit limit of the card is too small, then do this. After you get your two-story office building, you can come to me to make an asset certificate. The procedure is very simple, and I guarantee that it will not waste your time!

Then I will apply for a super-large personal credit line for you, and I will give you a card of 20 million or more, which is almost enough for pocket money, right? "

Chu Hong's face was full of sincerity, but his heart was secretly smiling.

If you really do credit extension in our family, it will be up to you whether to get a loan or not!

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

Quack quack...

With such kindness, what can Wang Yan do?

I had no choice but to try to save face!

"Okay, Chu Xing, you put so many high hats on me, and you don't agree to anything, it seems that I am very unreasonable...

Then thanks to you, get a credit card and play around...

Why! I can tell you in advance, only this time, the next time will not be an example!

I don't like to owe favors the most in my life..."

First Young Master Wang smiled wryly, shook his head and sighed, like a second-generation wunderkind who was put on face and couldn't get off.

Chu Hong was extremely proud and laughed.

"Young Master Wang, don't be joking! Why are you indebted? It's clear that I, Lao Chu, have brought in another top customer, and made a great contribution to the new card business!

Favor, I owe you my old Chu!

Not much to say, you must give me a chance later, let me thank you very much! "

The actor Wang Xi was full of joy, and nodded with a half-smile: "Okay, I have so many expensive credit cards for no reason, and I am in a bad mood! Next time I have a chance, I will kill you ruthlessly. Don't complain, let's talk about it later." make friends!"

"It's done! A gentleman can't chase after a gentleman!"

Chu Hong was overjoyed, feeling that his relationship with Young Master Wang had finally made substantial progress, and he was extremely happy.

He Miaomiao glanced at the overjoyed Chu Hong with pity, and silently rolled her eyes.

idiot!

Although I don't know where the trick is, but if Gouzi didn't cheat you, this princess will have the surname Wang of Gouzi from now on!

My father is also true, always telling me about the sinister society and the unpredictable people.

Where is the danger?

All of them are mentally handicapped, but Gouzi is the most sinister!

Huh? !

Gouzi is so insidious and cunning, has he tricked me?

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

………………………

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