Reborn Resource Tycoon

Chapter 398 Credit and Debit Cards

ps: Thanks to book friend Zhou Zhenguan for the monthly ticket, and book friend dama for the evaluation ticket.I ask for your guaranteed monthly tickets and recommended tickets
The leaders of the Lishan District Committee and District Government quickly reached an agreement that if they rejected Shi Wensheng's plan, they would not only offend Shi Wensheng, the Fang family, but also Zhao Xu'an, regardless of who would become The head of the technology development industrial park, unless he can ignore the influence of the Fang family, otherwise, no one can get around the behemoth of the Fang family.Without the strong support of the Fang family, no one can guarantee when this technology development industrial park will actually attract Golden Phoenix.

If the development of the technology development industrial park fails, what should Zhao Xuan do in the future when he settles accounts?The risks involved are simply too great.

And if Shi Wensheng is sent to the position of the actual leader of the technology development industrial park in a smooth manner, if the technology development industrial park develops smoothly in the future and the work of attracting investment is excellent, this honor will be indispensable to them.Not much, but better than nothing or even a stain?It can be regarded as a favor to the Fang family.

Therefore, before the Spring Festival in [-], the Lishan District Party Committee and the District Government reached an agreement to appoint Shi Wensheng as the executive deputy director of the Lishan District Technology Development Industrial Park to preside over the daily work of the Technology Development Industrial Park. Zhao Xu'an is also in charge.

So far, the contention for the position of the top leader of the technology development industrial park has been settled. Zhao Xu'an will become the top leader in name, guiding the development and construction of the technology development industrial park, but the actual executor will be Shi Wensheng, who just now Not long after becoming the deputy section chief, he jumped another level to become the new section chief.The leaders of the district committee and district government could only turn their attention to the departments of the technology development industrial park, trying to put their cronies in.

With Shi Wensheng's plan, these people believe that as long as all departments cooperate honestly, the construction and development of the Lishan District Technology Development Industrial Park will not be a problem, and the fruits of victory are already a matter of effort. achievements for all

Before the festival, Fang's villa welcomed an old friend, Gu Yucheng, the president of the Northwest Branch of the Bank of Communications and the president of the Qinxi Branch.

Today's Gu Yucheng is already the top leader of the Bank of Communications in the five northwestern provinces of China. Among them, Fang Mingyuan naturally contributed a lot. In 1990, in order to raise funds, Fang Mingyuan handled the huge mortgage loan at the Qinxi Provincial Branch of the Bank of Communications , so that Gu Yucheng is a big show in the Bank of Communications system, stealing the glory from others.It also made him a big step forward from the position of the president of the Qinxi Provincial Communications Branch.Now as long as Gu Yucheng wants to enter the headquarters, the position of vice president is a certainty and he can't escape.And inside the Bank of Communications, everyone recognized that Gu Yucheng was definitely the most powerful contender for the Bank of Communications President after the old president left office.

Gu Yucheng came to Fang's house this time, on the one hand, to pay respects to Mr. Fang and the others in advance. When the Chinese New Year is officially celebrated, no matter whether it is Fang's family or himself, visitors will definitely be indispensable. He wants to find some quiet time to sit. Let's talk about something, it's not easy.

On the other hand, they sent credit cards to Fang Mingyuan and his family.On January 31, [-], Huaxia Communications Bank formally reached an agreement with Mastercard and joined Mastercard, which is what Huaxia people call MasterCard International.This organization is a non-profit association of financial institutions from all over the world. Its members include commercial banks, savings and loan associations, and credit unions.

"Visa and Mastercard are the two major credit card organizations in the world. In our opinion, there is no saying that one is better than the other. It's just that Visa is more commonly used in the United States, and MasterCard is more used in Europe. Moreover, the two organizations can also transfer funds to each other. or consumption, so it will not have any inconvenient impact on your consumption behavior." Gu Yucheng pointed to more than ten finely crafted credit cards on the table.

Fang Mingyuan picked up one and played with it in his hand, and asked with a smile: "Uncle Gu, what is the upper limit of the overdraft of these cards?"

Gu Yucheng raised a finger, smiled and said nothing.

"[-] million yuan?" Fang Mingyuan asked tentatively.In his previous life, although he had used credit cards, they were all low-level cards with an overdraft limit of no more than [-]. Although he had heard that in many big foreign banks, even for those top big customers We offer a platinum credit card with unlimited overdraft.

"10 billion yuan," Gu Yucheng said with a smile, "This is a credit card that I applied to the head office for special approval. There are three credit cards with an overdraft limit of up to 10 billion yuan, the remaining six are 1 million yuan, and the rest is 1000 yuan. ten thousand yuan."

Fang Mingyuan nodded. These three credit cards with an overdraft limit of up to 10 billion yuan should be prepared for himself, Mr. Fang and Uncle Fang, because in Gu Yucheng's view, only the three of them can fully mobilize the funds of the Fang family.As for the six credit cards with an overdraft limit of 1 million yuan, they should be prepared for his parents, second uncle and his wife, grandma and aunt, and the rest are for aunts and uncles.Such an arrangement is quite reasonable.It is in line with the economic status of these people in the Fang family.

"Uncle Gu, are you still satisfied with the production level of these cards?" Fang Mingyuan put the credit card back on the table and asked.These cards are all made by the card factory in the Fang family's industry, which is not yet very eye-catching.As early as a year ago, Fang Mingyuan tried to introduce several card making machines from European and American countries, and set up a factory in Fengyuan. Although the business volume was not large and the profit was even negligible, he trained a group of well-trained workers and mature designers.

This time the Bank of Communications decided to issue credit cards, Fang Mingyuan and Gu Yucheng just said hello, and the business fell into his hands.

"Satisfied, satisfied, very good," Gu Yucheng nodded repeatedly.Fang Mingyuan's card factory has designed many tricks in a short period of time, and produced sample cards and sent them to the branch. Compared with other banks in Fengyuan City, the quality is not higher. 01 :30 o'clock.Gu Yucheng felt that it was worth the money.

Fang Mingyuan smiled. He spent a lot of money and invited famous credit card designers in Hong Kong to train the designers in the factory for half a month, and let them practice for so long. The demands of the Chinese people in the near future cannot be met, and these people are too useless
"Then..." Fang Mingyuan elongated his voice.

"The agreement will be formally signed after the festival, and all the credit card production of the Bank of Communications in the five northwestern provinces will be handed over to you," Gu Yucheng replied happily.The Fang family is now his noble family. In just a few short years of acquaintance with Fang Mingyuan, he has already made a triple jump and has become one of the most powerful people in the Bank of Communications outside the head office. What else can he do? satisfy?What's more, for the Bank of Communications, now in Qinxi Province, the largest private enterprise customer is the Fang family. Of course, he has to give face to this little convenience.

Fang Mingyuan smiled and said, "Uncle Gu, I want more than these."

Gu Yucheng raised his head in surprise and said, "What else? Bank of Communications' credit card production business across the country is not in my hands."

"No, no, no." Fang Mingyuan shook his head and said, "Uncle Gu, I actually want to do another card business of your bank?"

Gu Yucheng couldn't help being a little confused, what card business did the Qinxi Branch of the Bank of Communications not hand over to Fang's family?Even the employee's ID card and meal card have now been handed over to Fang's card factory.

"Uncle Gu, has your Bank of Communications ever thought about turning the current deposit booklet into a card, which can be used for consumption in stores like a credit card, but when you swipe the card, the deposit account will directly deduct the money in the account, and then you can swipe as much as you want?" There will be no overspending, overdraft, or use of recurring interest on the money. You can also transfer and withdraw money through the ATM machine, but you cannot overdraft, and the amount in the account will be charged according to the demand deposit." Fang Mingyuan held a credit card between his fingers, Shaking in front of Gu Yucheng, he said, "Tell me, those young people who are not qualified and cannot apply for a credit card will be obsessed with this way of spending like a credit card? At least in front of people who don't know, they can act as Credit card people, isn't it? It's a very face-saving thing."

In the early 90s, the number of people who could use credit cards was like drops of water in the vast ocean in China's huge population, and the proportion was simply negligible.At this time, the credit card business of the major banks is purely cultivating the market, and the annual investment and profit are completely disproportionate.Even after 2000, even in first-tier cities like Beijing, Shanghai, and Fengyuan, there are still many citizens who do not meet the standards for issuing credit cards.

So in this period, the utilization rate of the card-swiping equipment prepared by the stores, as well as the ATM machines in the streets and alleys, is actually not high. Robbers, robbers, etc., the favorite thing is to rob Chinese tourists, and save them the trouble of trying to find a way to cash out the money in the card.

Gu Yucheng's eyes lit up immediately. Fang Mingyuan's idea undoubtedly catered to the fashion-seeking young people. Although their income is not high now, as time goes by, they are bound to become the backbone of society. At that time, that is when they are eligible to apply for a credit card.If the Bank of Communications can provide them with the services that Fang Mingyuan said from now on, it will undoubtedly attract a huge future customer group in advance
Moreover, apart from raising some costs, the bank does not have any risks