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The call was on speakerphone, so Teng Qingshan and Zhang Junjie could hear the content of the call clearly.

All three of them were from the Department of Finance, so they naturally knew what private banks were.

The so-called private banks are not banks opened by individuals, but a service model developed by banks to attract high-asset wealthy people.

To put it bluntly, they are branches opened by major banks specifically for the wealthy class, which have higher authority, more resources, and more services than ordinary branches.

For example, for depositing money, the deposit interest rate of ordinary customers is fixed. This year, the interest rate of current deposits of the four major banks is about 0.35%, and the interest rate of one-year fixed deposits is only 1.5%.

For private bank customers, the deposit interest rate can be negotiated with the bank, and the lowest can generally be above 2.5%. The more deposits, the higher the interest rate.

This is just the most basic, and there are many other benefits and service items.

That’s why Zhang Zhe said yesterday that the Magic City Bank was too petty.

Although he seemed to have a good attitude when he called me, and took the initiative to help me upgrade to a platinum card, he actually harmed Zhang Zhe’s interests.

Hearing that the private bank of China Merchants Bank took the initiative to call Zhang Zhe to open an account, the two of them had a clearer understanding of Zhang Zhe’s financial resources.

Teng Qingshan remembered that in China, if you want to become a private bank customer, your financial assets must reach at least 6 million and maintain for a certain period of time.

It does not mean that you have 6 million assets, but that the cash in the account is kept above 6 million for a long time!

China Merchants Bank’s requirements are even higher, and the threshold is raised to 10 million.

This is only the minimum requirement to become a private bank customer. After meeting it, you still have to apply and wait for the bank to review.

And those who can be invited to join by the bank are definitely the best customers in the eyes of the bank, and their wealth far exceeds the minimum standard.

If the car can be bought by the family or driven by the elders.

But the invitation call from the private bank can really show that Zhang Zhe himself has a lot of funds!

After watching Zhang Zhe finish the call, Teng Qingshan put his phone in the armrest box and said in amazement:

“As expected of China Merchants Bank, which has the largest number of private banking users, the service attitude is really amazing, and it can also provide door-to-door service…”

“As long as you are rich enough, let alone door-to-door service, even if the bank treats you like a father, it’s fine.”

Zhang Junjie also said:

“What did I say just now? There must be no shortage of beauties around my brother Zhe. I bet that the bank girl who called must be good-looking.”

“Qingshan, do you want to make a bet? Let brother Zhe be the referee. Whoever loses will wash the other person’s socks for a month?”

“Forget it! Only a fool would bet with you!”

…

At about 12:30, Zhang Zhe parked his car in front of a Sichuan restaurant on the back street of the school.

The chef of this Sichuan restaurant has good skills, the Sichuan cuisine is very authentic, and the price is relatively affordable. It has always been popular among nearby students.

Zhang Zhe parked the car and took out his phone to check. Xia Wanxing had sent a message:

“Senior, we are in the Furong Hall on the second floor.”

In addition, there was a friend request.

“Okay, we are already at the door.”

Zhang Zhe first replied to Xia Wanxing’s message, then clicked on the friend request list and added Bai Lu as a friend.

Thinking of Zhang Junjie’s words in the car just now, Zhang Zhe subconsciously clicked on her profile to take a look.

The circle of friends was very clean, with only a few forwarded news from the official account of China Merchants Bank.

The avatar was a work photo of the upper body, wearing the iconic brown-red uniform of China Merchants Bank, with her name written on the work badge on her chest, and she looked about 24 or 25 years old.

It’s not the kind of facial features that make people amazed at first sight, but the lines on her face are very soft, and she has a typical face shape of an oriental beauty.

“She looks pretty.”

Zhang Zhe muttered, but didn’t take it too seriously. After all, beauty and photo editing are so powerful now, who knows what the real person looks like.

At this time, Bai Lu sent a few pictures and a document, and then sent a message:

“Mr. Zhang, you can learn about it when you have time. If there is anything unclear, you can ask me at any time, and I will reply to you as soon as possible. [Smile]”

“Okay.”

After a simple reply, Zhang Zhe put his phone in his pocket. He didn’t have time to look at these things now.

The three of them came to the second floor of the hotel together. As soon as they walked to the door of Furong Hall, Xia Wanxing, who had been watching the door, stood up and greeted:

“Senior, you are here!”

Zhang Zhe nodded and said to the girls:

“Sorry, I came a little late. There are too many people at noon and I dare not drive fast.”

“It’s okay, we justI’ll be there in a while.”

Xia Wanxing replied, and then began to introduce her roommates to Zhang Zhe and the others.

Guo Ting, one of the three, was the girlfriend of Zhou Hu, who lived next door to Zhang Zhe. She had met him several times when she had dinner with Zhou Hu.

The girl with black-framed glasses and a gentle manner was called Wang Ying, who was more introverted.

The last one was Li Duo, who was wearing a khaki windbreaker, had short hair and a cool temperament.

After Xia Wanxing introduced the three people, Zhang Zhe also helped introduce them:

“Hello, beauties, I’m Zhang Zhe, a senior in the Department of Finance, and these two are my roommates Zhang Junjie and Teng Qingshan.”

After everyone got to know each other, Zhang Zhe sat next to Xia Wanxing and asked:

“Have you ordered?”

“Not yet, we just came here, and thought we’d order together when you guys arrived.” Xia Wanxing replied.

“Okay, let’s order together. ”

Zhang Zhe said as he handed a menu to Xia Wanxing’s roommates.

At this time, Guo Ting, who was sitting opposite Zhang Zhe, suddenly found that Zhang Zhe seemed to be a little different from before.

His appearance and hairstyle had not changed, he was still as handsome as before, but he seemed to have a much better temperament than before.

Thinking of what happened last night, Guo Ting suddenly asked:

“Brother Zhe, I just heard you say that you seemed to have driven here?”

Zhang Zhe glanced at her and asked:

“What’s wrong?”

“Nothing, I just asked casually.”

Guo Ting said:

“Brother Zhe, what car did you buy? Why haven’t I heard Zhou Hu talk about it?”

“It’s just an ordinary car for transportation.” Zhang Zhe said perfunctorily.

Zhang Zhe had seen her several times at dinner parties before, and had a very bad impression of her. She would talk about so-and-so buying something.

Not only was she materialistic, but she was also very snobbish. If it weren’t for Xia Wanxing’s face, Zhang Zhe would not bother to pay attention to her.

“Okay. ”

Seeing Zhang Zhe didn’t say anything, Guo Ting didn’t continue to ask, and she had already guessed the answer in her heart.

When she thought of last night, when Xia Wanxing was about to help Zhang Zhe wash his coat, Li Duo said that the coat was LV and couldn’t be washed directly with water, Guo Ting wanted to laugh.

If it was really LV, it wouldn’t cost tens of thousands?

If Zhang Zhe could afford it, would he be embarrassed to say what car he drove?

After all, having a car in college, even if it was only a car worth hundreds of thousands, was a very face-saving thing.

Did he buy an electric car?

Sure enough, even if Zhang Zhe had matured a lot after going to work, he was still the same Zhang Zhe, not a rich second generation at all.

Having known Xia Wanxing for so long, I guess he hasn’t even given her a gift worth more than 500 yuan, right?

Thinking of this, the jealousy that had just risen in her heart towards Xia Wanxing disappeared instantly.

Xia Wanxing’s appearance was indeed incomparable to hers, but unfortunately she was a love-brained person who only looked at appearance and ignored other things.

What’s the use of just being handsome? Can it be eaten?