Wandering in the vast darkness

Chapter 45 Impulse

"Brother Wang, what kind of business are you in?" Yu Wenhao asked.

"Me? I'll do anything related to banking." Brother Wang chuckled. "Whether it's legitimate or illegitimate, I don't care. As long as there's money to be made, I'll do it. I'm risking my life."

Yu Wenhao glanced at Brother Wang, whose expression was relaxed, which didn't seem like someone who had their head stuck in their waistband.

Yu Wenhao shook his head: "It doesn't seem like it. And what you're talking about, sunlight and non-sunlight, I don't understand either."

"Haha, you don't need to understand. This line of work is not for humans. Only people like me would take the risk. To be honest, over the years, I don't know how many of the people I've dealt with and worked with in this line of work have gone to jail," Brother Wang said.

Yu Wenhao said, "I still don't think so. Brother Wang looks like a big boss."

"Boss? Yes, yes, he used to be. I wouldn't say he was a big boss, but he had assets worth several hundred million." Brother Wang shook his head. "Now, it's like a dream. I haven't woken up yet, but it's all still a dream... Do you know that word? Nightmare."

"I know, it's a factory, with a dog on top and a ghost on the bottom."

"Wow, not bad, not bad. You're a ride-hailing driver, and you're quite well-educated."

Who are you looking down on? Yu Wenhao said, "I'm just a part-time ride-hailing driver. It's not on weekends, you know. My main job is at a printing company under the Hangzhou Daily Group..."

"Don't worry, this time I'm doing legitimate business, boosting the bank's sales targets, just to earn some hard-earned money from running away with the money."

Yu Wenhao quickly shook his head: "I wouldn't dare, tens of millions, tens of millions, it terrifies me just hearing that."

Yu Wenhao really wanted to ask Brother Wang what had happened to turn this former billionaire into someone plagued by nightmares. But she felt it was inconvenient to ask, so she didn't.

Brother Wang said, "Banks' deposit assessments are divided into daily average, month-end, quarter-end, and annual figures. Now it's the end of March, which is also the end of the quarter. The data at this time is very important, as it affects the performance of sales staff and bank managers. Banks that haven't met their targets need to attract deposits to make the numbers look better."

Yu asked, "What does 'banks pushing for higher transaction volumes' mean?"

"I just earn a small fee for tea, and after a hard trip, I make a few tens of thousands of dollars."

"And what about you?" Yu asked.

"Making this kind of money is addictive. At the end of the month, old clients will come knocking on your door. Think about it, those people who can manage hundreds of millions or billions of dollars, just quietly making money—how much can they earn? How could they not get addicted?"

"Besides the normal deposit interest, there's also a kickback from the bank. Without that kickback, who would transfer money to you to deposit? 'Three thousand' means that if you leave the money overnight and then withdraw it, you get a three-dollar kickback for every thousand dollars you leave."

"Whether I'm worried or not is irrelevant. I'm just a ride-hailing driver. What you do is none of my business. Just don't put drugs in my car." This Brother Wang said he might take risks, but it has nothing to do with drugs, so he has nothing to worry about.

Yu asked, "I mean, the interest subsidy, is all paid by the bank?"

"What you just said is wrong. Not everyone who goes inside is a fierce monster. I know many people who look like me and have similar experiences. They were all bosses before, then it all turned out to be a dream, and now they have no chance or means to rise again. They can only take a gamble and go all out."

Brother Wang paused here, seemingly considering whether to continue talking to Yu Wenhao, but he continued anyway:

"Wow, Brother Wang, you're making a lot of money!" Yu Wenhao exclaimed.

"You can transfer the money out the next morning. Since it's a transfer from your own account to your own account, and you complete the transaction yourself at the counter or online, there's no problem with the safety of your funds, as long as the bank is reliable. If you encounter an unreliable bank, they might try to keep your funds with them for a few more days to boost their daily average."

"How about it, Xiaoyu? Doesn't it sound scary?" Brother Wang asked.

Yu nodded honestly, "A little."

Brother Wang laughed heartily. He straightened his body, which was still secured by the seatbelt, leaned forward, patted Yu Wenhao on the shoulder, and said to him:

"Me? I won't make any money. This money goes to the funders, that's where they make the money. Think about it, it's all public money. It's transferred out and comes back overnight. Nobody knows anything about it, and they've got so much cash in their hands. They're the ones making big money, and they make it very safely. Almost nobody knows about it."

Yu Wen, feeling better, asked, "Brother Wang, what did you mean by 'sunshine' and 'not sunshine' just now?"

"Theoretically speaking, the funds should be deposited at 4:30 pm on the 31st, before the bank's corporate banking system closes. However, we require the funds to be deposited in the morning. If you can't deposit the funds in the morning, I can temporarily transfer funds. Sometimes, to save face and to keep the bank's business open, we will accept the funds even if it costs more."

Brother Wang looked at him and asked, "Have you ever been involved in this industry?"

"That's right, mutual trust is the most important thing, so unless it's an emergency, I don't deal with middlemen. If there are problems, they're usually caused by the middlemen," Brother Wang said. "No matter what, there's always a question of priority."

Yu Wenhao immediately calculated it and was shocked. He asked, "That 80 million, you earned 240,000 in just one day?"

"I know, it's in those red houses near Happiness Bridge, right?" Brother Wang asked.

Yu Wenhao, full of curiosity, asked, "Brother Wang, what does 'thousand three' mean?"

"That means trust is very important," Yu Wenhao said.

Yu Wenhao felt a chill run down his spine. What kind of business was this? Who were these people? Money could disappear without a trace after entering the bank. What kind of nonsense was this?

Brother Wang nodded and said yes.

"You're scared to death?" Brother Wang laughed. "A few tens of millions in sales volume is small business; hundreds of millions is also very common."

"Where would the bank get this funding? Whether it's the branch manager or the salesperson, they all have resources and loan clients. They provide the money, buy this deposit, and only then can your loan be approved. Or, if they can keep the salesperson or the branch manager, they can keep your loan. The company has no choice but to do it."

"It's not aboveboard. To put it bluntly, even if you succeed, you'll end up in jail. It involves colluding with people inside the bank to turn depositors' money into your own. There are many tricks and elaborate schemes involved. If you search the news, you'll see stories about how much money from Jiugui Liquor has disappeared, or depositors' money going into the bank and then vanishing without a trace. That's how it all happens. I know many people who do this, and they're still in jail now."

"You mean the interest rate subsidy when you say 1300?" Yu Wenhao immediately made the connection and asked.

"It's very simple. Sunlight is just normal business for banks. At most, they might skirt the rules a little and won't be punished by law. For example, they might engage in activities like increasing deposit volume or discounting banker's acceptances."

As they chatted, they found they had more and more in common, and they felt they clicked. They became much closer. Returning to their earlier topic, Brother Wang said:

Yu Wenhao shook his head, and Brother Wang laughed: "It seems you're self-taught and have the potential to do financial business."

Yu nodded and said yes.

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