Rebirth Starts From 2006

The elevator continued to go up and reached the 18th floor. When the elevator door opened, he saw a tall, beautiful woman in her twenties and thirties wearing a bank uniform standing outside.

As soon as he stepped out of the elevator, the beautiful woman bent over slightly and smiled, "Hello, is this Mr. Chen Yang?"

Chen Yang smiled and nodded, "I am, may I ask you, Secretary Shao?"

"Yes," the beauty smiled, "I'm Shao Fang, President Liu's secretary. President Liu is waiting for you in the office. Mr. Chen, this way please."

Chen Yang nodded politely and said with a smile, "Thank you."

After exiting the elevator room, I followed Shao Fang forward, seeing her nodding with some hurrying people from time to time, and did not stop until the end of the corridor.

Shao Fang knocked on the door, and after getting a response, she pushed the door in. She first made room for her, then stood there from a distance and said, "President, Mr. Chen has arrived."

"Mr. Chen," Liu Xiufen walked out from behind the desk, looked carefully at Chen Yang who had just entered the door, stretched out her right hand and said with a smile, "I imagined what Mr. Chen looks like before, but when I saw him today, he is really not as famous as he is." Let's meet."

This young man looks really energetic, with a neat short body, a straight figure, and a pair of light and dark business casual clothes. He really looks like a business elite. Who would have thought that he was just from an ordinary family? What about recent graduates? !

Seeing Liu Xiufen coming up to meet him, Chen Yang quickly took two steps and stretched out his hands to hold the hand stretched out from the opposite side, and said with a smile, "President Liu laughed, no matter in the workplace or in the shopping mall, I am a junior, and I need to ask President Liu to teach me a lot."

While saying hello, he was also looking at the vice president of the provincial branch. He looked about forty years old, but his actual age should be older. Except for a little crow's feet at the corner of his eyes, it can be said that he was well maintained , wearing a dark blue uniform, outlining undulating curves, beautiful and exquisite facial features, fair and delicate skin, and a head of black and beautiful hair coiled behind his head, looks neat and capable, coupled with his high-ranking personality Even Shao Fang next to him couldn't get enough of that momentum, no wonder he dared to find a beautiful woman to be his secretary.

I just don't know why, looking at President Liu's appearance, there is always a feeling of familiarity, but it is clear that I have never seen her in two lifetimes. Otherwise, it is impossible not to remember such a beauty after dealing with her once.

After exchanging greetings, the two went to the reception area where the host and the guest sat down. After Shao Fang served two cups of tea, she sat in a corner with a notebook under Liu Xiufen's gesture.

The resolute Liu Xiufen went directly to the topic, and said to Chen Yang with a smile on her face, "Mr. Chen is invited to come here today to discuss the joint management account issue. I don't know why Mr. Chen thought of opening a joint account?"

Talking about work, Chen Yang also automatically entered the professional state, and said with a smile, "Of course there are business needs, that's it, I reached an agreement with Guangzhou Donghe Real Estate Company to pay all the remaining funds for the two properties under their name. The acquisition of real estate, the transaction amount is as high as 150 million, such a large sum, of course I have to be careful, so I thought of opening a joint management account, but, "

Speaking of this, Chen Yang shrugged helplessly, and said with a smile, "I didn't expect that there is no bank in China that has opened this business, which makes me a little embarrassed."

Liu Xiufen smiled, and didn't answer his words, but said, "There is still a certain market for joint-management accounts overseas, but it has not yet emerged in China. I also want to do a pilot first, and Mr. Chen happens to have experience in this area." Demand, maybe fate, just happened to meet together. Inviting you here today can be regarded as a customer survey. I don’t know what Mr. Chen thinks about joint accounts. If we do a pilot, what issues should we pay attention to?”

Chen Yang blinked, is it appropriate for a financier to ask me this kind of question?

Of course, it's up to the big-headed whether it's suitable or not. It's obvious that President Liu has a higher title than himself, so it's better for us to behave better.

After thinking about it with his head down, Chen Yang said, "President Liu is an expert in banking, and he must know more about joint accounts than I do. Let me talk about my needs from the user's point of view.

In fact, the purpose of using a joint account is very clear, that is to ensure the security of funds. In this case, a single party cannot use the funds in the account. This is a necessary condition, so at least two passwords are required. Secondly, for the whereabouts of funds There must be clear restrictions. Generally speaking, there are probably only these two points. "

"that's all?"

Liu Xiufen's expression didn't change at all, her two bright eyes were shining brightly, making it hard to see any emotion, then she smiled and said, "Mr. Chen, I think since you know about the joint management account business, you should have some knowledge about it." I understand, if you have other ideas, don’t refuse, our newly launched business is more comprehensive and can serve customers better, right.”

"Haha, President Liu was joking,"

Chen Yang laughed. For a while, he felt that this strong woman was a bit aggressive and unstoppable. I was just a customer. As for chasing after her so hard?

But the bank father can't afford to offend him, he still hopes to get more loans, and now there is no other bank that can grant him a 120% loan,

Okay, let's add some dry goods,

He lowered his head and thought for two seconds, then looked at her and said with a smile, "President Liu, then I will talk about some of my personal understanding. If there is something wrong, don't laugh at me."

"Of course not," Liu Xiufen spread her palms and said with a smile, "I'll just listen, please."

After pondering for two seconds, Chen Yang continued, "In my opinion, joint management accounts can be divided into individual users and business users according to different types of customers, and then divided into temporary accounts and long-term accounts according to different time and projects. Accounts, but no matter which one they are, they all have a few things in common, that is, account opening conditions, fund use methods, user restrictions, and supervisor settings.

Let me talk about the account opening requirements first. Compared with ordinary accounts, the management cost of joint accounts is higher, so a certain threshold should be set, such as 50,000 for individual users and 500,000 for corporate users. This standard is flexibly adjusted by the bank. But if it is too low, there is no need to open a joint account.

Secondly, there should be restrictions on the number of account holders. Since it is a joint name, there must be at least two people, but it should not be too many, otherwise it will easily cause management confusion. I think it is best not to exceed five. The specific number depends on the bank's information technology. level can meet the requirements,

The third is the restriction on the use of funds. If it is a joint account of individuals, it is generally used for special expenditures, and the use of this aspect will be very broad, and there is no requirement. The funds can be used at will, and only need to be based on the use of funds. It is enough to remind the account holder or supervisor in time. I think this is a bit similar to the supplementary card or supplementary account business.

But for corporate users, it must be earmarked for special use, or not used. Once the conditions are met, it can be used. It can only enter the designated account and cannot be used for other expenses. The withdrawal must also be handled by the presence of all joint account holders. If the payment conditions are met However, if one party repents, it is a commercial dispute and has nothing to do with the bank. The relevant account holder can initiate a lawsuit by himself, and the bank only handles the funds according to the court judgment.

The last is the supervisor setting, "

Speaking of this, Chen Yang spread his hands and smiled, "This is nothing more than sending a few more text messages. Whenever there is a change in funds, just send the amount used, time and location to the supervisor. This should not be difficult to do.

As for other account opening and cancellation procedures, authorization of a certain account holder’s fund use quota or ratio setting, these are the normal business scope of the bank, and I will not make a fuss about it. These are all I can think of, and there are places that are not in place. , President Liu please forgive me. "

After Chen Yang finished speaking, Liu Xiufen clapped her hands lightly twice, and said with a smile, "It's very exciting. Mr. Chen really knows this business very well, and he has considered all aspects of the business."

At this moment, she felt a little strange. The bank-related courses in the university didn't seem to have this kind of content, right? If he didn't learn it in a university, how could an ordinary graduate who has never been abroad know so much about this business model?