The richest man starts with a blind box

Chapter 232 Loan another 10 billion yuan

"Mr. Huang He, I finally see you!" The majestic vice president of Zhejiang Agricultural Bank said excitedly when he saw Huang He.

No way, Huang He is so hot right now, and the bank's loan task is heavy, as long as he finds a way to deal with the Jiangnan Group, that bank can complete 1% of the task in one year.

"Mr. Huang, I have specially prepared a brand-new financial plan for Jiangnan Group. As long as you choose our Agricultural Bank of China as your partner, I promise to provide more excellent and economical financial services!" the vice president said slightly. Excitedly introduced, Huang He took a closer look and found that this is a 20 billion RMB loan plan, which is also repaid in 5 years, and the interest rate is indeed more favorable than ICBC.

Moreover, the borrowed money can also be transferred to the financial management business of the Agricultural Bank of China, which means that the money can be directly used for financial management and earn interest when it may not be used in the bank.

At the same time, this wealth management product is calculated on a daily basis, and funds can be withdrawn anytime and anywhere. In terms of service, it is indeed very good.

"20 billion yuan means little to me now!" But after reading the plan, Huang He shook his head and said.

"How much RMB do you want? I guarantee that as long as it is less than 50 billion, I can give you an answer on the spot!" The vice president said very simply. Although he did not know the specific data of Jiangnan Group's profit, according to some friends in ICBC .

It is said that Jiangnan transfers nearly 40 billion yuan of various turnover funds through ICBC every month, which is 500 billion yuan in one year. This is a very scary thing.

Of course, what we are talking about here is the flow of funds, which means all kinds of funds transferred through ICBC, including funds transferred from Jiangnan to its various OEM companies, and funds transferred from tens of thousands of booths and companies across the country to the head office , as well as the funds distributed by the head office to the branches, as well as the salaries of the employees of Jiangnan Group.

Because of the partnership with Industrial and Commercial Bank of China, all these capital flows are completed through Industrial and Commercial Bank of China, which makes many banks drool with envy.

In the eyes of the enterprise, these capital flows are not their own money at all, and they are actually meaningless.But for banks, all of these are their performances, which are to be written in the financial statements to brag about their achievements and political achievements for a year.

In addition to performance, these funds are stored in bank accounts, and all of this money can be used for lending. As long as it is not lower than the reserve fund, these extra billions of RMB will continue to generate money. Money, derived more profits out.

And any provincial president who can control such a large amount of capital flow will have a straight-line rise in status. This is why the president of the Agricultural Bank of China attaches so much importance to Huang He.

Borrowing less than 50 billion casually sounds very heroic, but now that Jiangnan has such a huge flow of water, 50 billion is really nothing.

"I don't need 50 billion, I only need 10 billion!" Huang He laughed.

"10 billion is enough?" The vice president was stunned for a moment, and then asked tentatively, "You are not talking about US dollars, are you?"

"You are so smart!" Huang He chuckled, "That's right, I do need 10 billion US dollars. To be honest, I'm going to the United States soon, and I plan to make some investments, so I need a sum of US dollars. "

"10 billion US dollars..." The vice president is a little embarrassed. He has the right to approve 50 billion yuan, let alone 10 billion US dollars. Even if it is 1 million US dollars, he has no right to approve it, because the US dollar is For foreign exchange, it’s okay to say small amounts, but all large amounts need the supervision of the central bank.

In other words, the 10 billion US dollars must be approved by the head office first, and then approved by the central bank before being allowed to be lent out. This is not something that a provincial deputy governor can decide.

"Okay, let's not talk about this for now, I actually have a more important matter that I want to ask!" Huang He laughed.

"whats the matter?"

"It's about online banking!" Huang He said lightly.

"Oh, does Jiangnan Group need online banking services?" The vice president smiled and said, "Don't worry, as long as you cooperate with our Agricultural Bank of China, then you are our super VIP user. Any banking services only need a phone call to us. Yes, we are at your service 24 hours a day, without the hassle of online banking!"

"No, I think you misunderstood me. It's not that our Jiangnan Group needs online banking services, but that our Jiangnan Group's business needs to fully integrate online banking services!" Huang He smiled and said, "Let me give you an example, such as We have met many customers who have run out of cash and cannot continue to spend, but if they can transfer money to us directly through bank cards, the Internet, and computers, then our benefits will undoubtedly It will improve a lot.”

"Moreover, this is just the simplest cooperation. We may have more in-depth cooperation in online banking."

"Yes, this is also what I expect, but we have not issued relevant regulations at present, maybe in the second half of 03, we will have relevant systems launched, you can wait for a year or two, and currently our country The network is not popular enough, and the total number of online banking users in the country is less than 20, so there is no need to worry about this at the moment!" The vice president laughed.

"Really?" Huang He stopped talking, and the atmosphere of the following conversation became a little different. The vice president was keenly aware that Huang He might be very disappointed with his answer just now. It's hard to talk about it any further.

"Mr. Huang, I will definitely apply to the head office with all my strength for the $10 billion matter!" Before the breakup, the vice president said very sincerely.

"Okay, but don't worry too much, 10 billion US dollars is not the most important thing, just let everyone go as you please!" Huang He smiled slightly, and then left the Agricultural Bank with Hu Jing, leaving behind a somewhat bewildered deputy bank. Long, he didn't understand what Huang He meant in the end.

One billion US dollars is not the most important thing, is the most important thing about online banking?
But for a big company like Jiangnan, there shouldn't be anything too important. The business can be handled well with just a phone call, so why bother with online banking?

"Chairman, just now President Wang called you three times. He said that he has arrived in Hangzhou, and he hopes to treat you to a light meal in the evening." Hu Jing said just after leaving the headquarters building of the Agricultural Bank of China.

"He came so fast!" Huang He was taken aback. He thought he would see President Wang tomorrow or the day after tomorrow.

"Actually, President Wang is no longer the president of Industrial and Commercial Bank of WZ, he is now the vice president of Industrial and Commercial Bank of Zhejiang Province!" Hu Jing reminded.

"Hey, I don't know when it happened, but he was promoted!" Huang He grinned, from Wenzhou to Zhejiang Province, it seemed that he had indeed been promoted.

"Just a week ago, you were not in Wenzhou at that time." Hu Jing was indeed the right secretary, and Hu Jing had already grasped the things that even Huang He didn't know.

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"Nonsense, I was surrendered secretly!" Upon seeing Huang He, President Wang said very bluntly, and then poured himself a cup of Moutai, which made Huang He a little surprised when he saw President Wang's appearance. President Wang, who I met before, doesn't seem to be like this.

"Xiao Huang, don't be surprised. I'm actually this kind of person in private. Anyway, I don't take care of any specific business now. I don't bother to take care of the affairs of the head office. The higher-ups have made up their minds to ask me to quit. I will treat you as one of my year-end friends, and you just listen to my grievances, this week is really aggrieved!" President Wang had no one to persuade him to drink, so he poured himself half a pot of Moutai by himself, and then cursed the matter I made complaints about it all.

It turned out that after Wang Xing Changjiang Jiangnan Group established a stable financial relationship, he got his wish and was promoted to the president of the Industrial and Commercial Bank of WZ City, becoming the real power leader.

But this good day has not passed more than half a year. Just a week ago, President Wang became the vice president of Industrial and Commercial Bank of Zhejiang Province with a transfer order.

This sounds really advanced, but President Wang's business has directly changed from the previous loan business to the logistics business of the head office, responsible for the food and drink of everyone in the head office.

Anyone who understands the smell of this will understand that President Wang was promoted secretly. He himself said it directly. He estimated that he will retire in the position of vice president in one more term.

President Wang was very depressed, so he asked Huang He to confide, so that he could vomit out all the unhappiness in his heart, and finally patted Huang He on the shoulder and said, "Little Huang, Boss Huang, Chairman Huang, my old Wang has no other hope in this life. , I can count on you as a friend. When I retire in the future, you can leave a consultant position in the company for me to do."

"Back then, my old Wang came to help you get a loan with your head up. You shouldn't be so heartless!" President Wang said with a smirk, causing Hu Jing behind him to frown involuntarily, while Huang He was always smiling.

"Old Wang, it's okay, I'll avenge you!" Huang He smiled and said, "I gave you a bank loan for your face, and now people from the Agricultural Bank of China are looking for me. Since you have lost face, I will also If you don't give your bank face, I will pay off all the loans in advance the day after tomorrow, and then transfer all the business to the Agricultural Bank, so that those who harm you will know that our Jiangnan Group only recognizes you, Lao Wang, and we don't like anyone else. !"

"Ahem, forget it. After all, I'm still a member of ICBC, but the provincial head office can also lend money. If you borrow money from the provincial bank, you have more authority!!" President Wang said with a grin.

"Aren't you in charge of logistics at the head office?" Huang He asked with a smile.

"However, if a person in charge of logistics can attract business, then those who are in charge of business will be shameless?" President Wang showed a look of hatred on his face.

(End of this chapter)