The rebirth of the wife and children

"Hi, hello, is this Mr. Shang? This is the Credit Center of the Agricultural Bank of China." A professional voice with a strong dialect of Bo City came from the phone.

Shang Fuhai was stunned for a moment: "Agricultural Bank of China Credit? What do you want me to do?"

The main thing is that his house is a loan from the Agricultural Bank of China, so he is more sensitive to this. Besides, it feels like a coincidence. He just opened a securities account in the morning, and when he was in a hurry for money, he came to the phone to send money?

"Mr. Shang, is it convenient for you to answer the phone now?"

"Okay, you can say it."

"Mr. Shang, it is like this. You are a VIP customer of our bank. Our bank can now provide interest-free loans within the policy period for high-quality VIP customer groups in accordance with the current national policies. Do you have any financial needs? "

Shang Fuhai was a little dumbfounded, he thought carefully, there seemed to be such a vague impression in the memory of his previous life, what happened later?Think of it as a liar. Even after taking the money, I didn't know what to do, so I ignored it.

But he is very short of money right now.

Shang Fuhai thought a lot for a while, and asked quite cautiously: "Is there such a thing? Why didn't I know? I haven't heard of any preferential policies in this regard."

"Mr. Shang, it's like this. Our bank has just received a policy document. Our policy is only for high-quality VIP customers within our bank. I know that you may have doubts, Mr. Shang. If Mr. Shang really has In terms of capital needs, it is convenient to take some time to come to our credit center one day to find out face-to-face, which is the branch credit center where Mr. Shang handles the mortgage." The other party seemed to sense that Shang Fuhai had something in this regard, so he directly pointed it out.

I am not afraid that Shang Fuhai will not go, but I am afraid that Shang Fuhai will treat him as a liar.

Hearing what he said, Shang Fuhai was left with doubts in his heart, worrying about where to get money, if the bank could really approve a sum of money for him, he would accept it bluntly.

As for the issue of repayment later, will he be afraid?

"Sir, what's your surname?" He asked, making sure that the other party is not a liar, it's easy to talk, a proper realist.

"Mr. Shang, you are being polite, please excuse your surname Ma"

"Oh, Manager Ma, it's like this. I'm doing business in the city right now. I just finished talking and I have time in the afternoon. How about I go there later." Shang Fuhai packed himself up again.

"Of course, we go to work at 1:30 pm, let's meet and chat."

This unexpected telephone exchange ended here, Shang Fuhai still had a few questions in his mind, but there was no one to answer his doubts for a while, so he turned around and went back to the bun shop and ate two more meat buns , At the same time, I opened Baidu search with my mobile phone and entered relevant keywords, but I couldn't find any useful information.

Calculating that the time was almost up, I headed to the Agricultural Bank where I used to get the mortgage.

At 01:30 in the afternoon, Shang Fuhai arrived at the place on time. When he saw the person who called him, all doubts were gone. This person was the person who handled the mortgage for him at the beginning.

It's just that when Shang Fuhai got the mortgage, he was completely stunned. How could he have so many thoughts, and he didn't leave his phone number. After more than a year, he also forgot the other party's voice. I didn't think of it.

I haven't been here for more than a year, and this branch of the Agricultural Bank of China has been upgraded again. The new decoration style is eye-catching. The separate isolated office room and the drinks and fruit snacks that have been prepared have made Shang Fuhai really feel the "high-quality VIP customer" treatment.

Ok!

Banks are really rich!

Manager Ma handed him a document: "Mr. Shang, this is our bank's internal policy, you can read it first, and ask me if you don't understand anything."

Shang Fuhai really read it carefully. Judging from the content of the document, there is indeed such a policy. The document clearly states that eligible high-quality customers of our bank can apply for two-year interest-free loans.

As for the loan amount, it must have not been written in this document, and Shang Fuhai felt a little itchy in his heart.

"Manager Ma, according to your policy, am I considered a qualified customer?"

Manager Ma smiled: "Mr. Shang, you are joking, we have strict policies, and we will not notify customers who do not meet the requirements of this policy."

When the man spoke, Shang Fuhai praised him in his heart: "Since I meet the conditions, I want to know how much interest-free loan I can get?"

Manager Ma didn't answer him directly, but tapped the keyboard on the computer for a while, followed by a credit of 23.5 on the display screen towards Shang Fuhai, and there was a line of algorithms below.

Shang Fuhai calculated all the contents carefully, good guy, his house has been revalued according to the bank's evaluation calculation method, and the part that needs to be repaid is removed, and Shang Fuhai's regional social security is added. The annual income repayment flow and so on are considered comprehensively.

To put it bluntly, he had been ripped apart inside and out.

If he didn't really want to take this sum of money, Shang Fuhai really wanted to throw his fist at it. Your uncle, I don't have any secrets with you!

Manager Ma said again: "Mr. Shang, according to our bank's comprehensive evaluation of you, you can get a two-year interest-free loan of 23.5 yuan. There are two repayment methods: monthly repayment and annual repayment. You still have Any questions?"

Shang Fuhai squinted at him for a moment, and said, "Manager Ma, are you not afraid that I won't pay you back?"

"Mr. Shang, you are joking. The property under your name is still in our bank and has not been released..." Manager Ma said half a sentence with a smile, and Shang Fuhai understood the rest of the sentence. If you don't want to pay back the money, right? At that time, the house will be owned by the bank, and they have lowered the amount of the appraisal. Are they afraid that the house will not pay off the debt?

Where is the bank?

"Then what procedure do I have to go through? How long will it take to get the money?" Shang Fuhai didn't talk nonsense anymore. He also needed money. The money was earned back.

Manager Ma smiled brightly this time, from the heart.

There are also loan tasks assigned to them by the higher authorities. Every time a full amount is completed, there will be a bonus. As for whether the other party can repay the loan at that time, they don't care. The bank has a special department to deal with related affairs. Besides, the bank has less bad debts every year.

"Mr. Shang, your relevant loan information has been recorded in our bank. If you want to increase the amount, you can re-issue an income certificate and social security payment certificate. If the amount does not need to be increased, we can prepare the relevant loan contract now. You It just needs to be signed."

"For a loan, I can help Mr. Shang make the loan within 5 working days."

"Within 5 working days, the loan can be released so quickly?"

"Mr. Shang, the main reason is that the review of customer qualifications takes a long time, but you are a high-quality VIP customer of our bank. In terms of qualifications, we don't need to delay too long." Manager Ma gave a reasonable explanation.

Hearing what he said, Shang Fuhai remembered another thing. It was what the account manager of Ping An Insurance said when he went to Ping An Insurance to receive gifts with his neighbors in the community. As long as he is a customer of Ping An China, he can apply for Ping An Insurance Loans, they can do it within 48 hours!

The premise is that you must be a customer of Ping An.

At the same time, he thought of all kinds of Huabei, Youqianhua, Weiweidai, etc. that would be derived in a few years later. Any amount of [-], [-], can be released in minutes...

Hearing what Manager Ma said today, Shang Fuhai probably understood that this should be the same routine.

Chapter 6 It's Not A Fuel-Efficient Lamp

"Damn it, today's annual leave is worthwhile, and two major things have been done at once. No, congratulations tonight." Shang Fuhai smiled and narrowed his eyes.

The girl Yuanbao is too young, she really can't stand the toss, it is impossible to come out when she goes out to eat, it is past four o'clock, and it is not far from buying something delicious to take home, so Shang Fuhai went around and bought a few Sample.

When he returned home with sauced beef, pork trotters, and Bocheng's most characteristic Ganoderma lucidum roast chicken, Xu Fei, who was wandering in the living room with her daughter in her arms, was stunned.

"I said Dahai, what's the matter with you, you've been promoted and made a fortune, but you're still struggling, tell me..." Xu Fei asked him, and then looked at Naiwazi with a smile: "Yuanbao, look, your father is scheming, Knowing to please your mother, tell me if he did something wrong, hehe."

"Delicious food can't stop your mouth. You work so hard to take care of your children at home, why don't I buy you some delicious food." Shang Fuhai smiled, winking and flicking small ingots, which made her bark her teeth and dance. Called, and lifted the bag containing things in his hand.

"I said daughter-in-law, just take care of my daughter. I have turned around a lot to buy these three items. The pig's trotters are cooked in old soup, the beef with sauce is also specially made, and the ganoderma roast chicken you like to eat is a mess. There are not many big materials in it.”

"You have a conscience." Most of the little grievances accumulated by Xu Fei after taking the children at home for a whole day dissipated immediately.

While Shang Fuhai was going around between his wife and children and the company, time passed and it was afternoon in a blink of an eye.

Seeing that he was leaving get off work in an hour, Shang Fuhai summarized the day's affairs and reported to the manager according to the usual practice.

Before the report was finished, the mobile phone in his trouser pocket vibrated. Shang Fuhai ignored it and continued to report the rest of the work. After leaving the manager's office, he took out his mobile phone and took a look. It's the fixed number that Manager Ma called last time.

"What is Manager Ma doing on the phone?" Shang Fuhai frowned, unable to figure it out, so he pressed the call back.

The two of them were still courteous, and then Manager Ma said: "Mr. Shang, I am calling to inform you that the loan has been approved. If you agree, our bank can arrange for you to transfer the loan to your mortgage repayment account now." .”

"So fast!" Shang Fuhai beamed with joy.

"Mr. Shang, you are my client and you really need funds. I will definitely do my best in the spirit of being responsible for the client." Manager Ma described it in a calm tone.

Shang Fuhai understood instantly, and he accepted the favor: "Manager Ma, you have helped me a lot. Look at this, please give me a chance to treat you to dinner this Saturday."

After another push and push, the other party agreed.

"YESIR" Shang Fuhai made a scissors finger.

After waiting for less than 10 minutes, the phone buzzed and vibrated again. A message beginning with the Agricultural Bank of China flashed across the screen. Shang Fuhai was so excited that he even entered the password wrong twice. calmed down.

“您尾号6185的储蓄卡账户11月25日16时35分收款235000元……”

Shang Fuhai suppressed the joy in his heart. After work, he rode his Bidwin electric donkey with a speed of 25KM per hour and rushed home. There was no special expression on his face when he entered the door.

Cooking and serving as usual, the two of them packed up and went to sleep in the master bedroom. Only then did Shang Fuhai take out his long-unused Agricultural Bank of China online banking key from his backpack, and with a thing the size of a USB flash drive, he went into the second bedroom. Close the door and turn on the computer in the second bedroom.

It was only after seeing the words "transfer successful" that Shang Fuhai relaxed.

Fortunately, I had this online banking USB-shield at the beginning, otherwise I would have to ask for leave tomorrow and go to the bank counter to handle such a large amount of transfer.

Then just wait until after 8:[-] tomorrow to transfer the money in the associated bank account to the securities account.

Go to sleep.

Nine ten in the morning the next day!

Shang Fuhai strolled to the warehouse on the east side of the company, euphemistically saying that there was a task up there, and the system had to randomly check the inventory samples to see the quality.

After all, he was a grassroots manager in the quality department. Besides, this kind of operation would happen once in a while, and the finished product manager in the warehouse would not doubt him, so he left directly.

Shang Fuhai found a corner that is not easy to be found by himself, took out his mobile phone to open the mobile terminal of CITIC Securities, and it was a transfer operation. After the messy work, he endured it for two days since Monday, and looked at the market again .

"Western Securities closed at 19.52 yesterday, down 0.51%..."

"It's not a big increase, but there's still money to be made. This price is just right..." Shang Fuhai is secretly proud. If the increase is too high these days, even if he knows that there will be a big market in the future, he will still feel that he is losing money. same.

Now it is neither high nor low, 4 cents higher than the first purchase, earning more than 300 yuan, meaning.

Regardless of whether the closing price fell yesterday, the stock price still jumped up and down during the call auction period, so that it did not rise regularly until 9:22.

Sure enough, they are not fuel-efficient lamps, and this shows the signs of fighting.

Looking at the situation, Shang Fuhai knew that he could no longer care about the dime. He directly took 19.9 yuan as the median value, and started to place orders in separate batches with an average price of 19.87 yuan. Finally, 118 yuan was sold at an average price of 8 yuan. 126 lot, plus the 19.82 lots I bought before, I hold a total of [-] lots of Western Securities, and the cost of holding positions is [-] yuan, and the value continues to increase...

Afterwards, Shang Fuhai shut down the client terminal. He thought it over. Now that the market is in such a situation, it’s enough to check it once every three to five days. When the market reaches around 5000 points, he will definitely withdraw in advance. He has no ability to make fluctuations. Do T to earn the difference.

It's going to be busy as hell.

Well, I was busy making a cup of instant coffee with sugar and making a cup of green tea, chatting with managers of the same level in other departments, and I couldn't stop talking for two hours when I met someone who could chat.

Just ran into one, Bian Yunchao from the production department.

"Old Shang, to tell you the truth, I'm just here to play insurance." The old side has encountered troubles, and he is not dealing with the newly transferred superiors, so he finds someone to chat with.

He glanced around and lowered his voice: "Let me tell you, I even set up two stalls outside, with an investment of more than 20 yuan. My wife watched them all, and hired two people. Seriously, The 6000 yuan I earn in the company just happens to be a salary for those two workers. If it weren’t for this insurance, I would have left my mother a long time ago, who is used to his problems..."

This is true. Bian Yunchao has more than two stalls outside. In his previous life, the two of them discussed this issue more than once. He has engaged in clothing wholesale, rented land in a shopping mall to set up a children's playground, and rented a house in a university campus. The milk tea shop later made a fortune and even opened a maternity and baby shop...

What you can't think of, this guy has done everything, but thanks to his good wife, he has been working among several stalls, otherwise this guy can still be a safe insurance company in the company?

"Old Bian, I invite you to find a rest day, and you tell me about the opening of the store." The two chatted for a while, and Shang Fuhai finally said.

Bian Yunchao doesn't hide it either. According to him, he does so much business, and what he does is not a high-tech business. Even if he teaches you personally, he may not necessarily make money.

"Okay, I'll make an appointment with you if you have free time." Bian Yunchao readily agreed.

Time moved forward little by little, and when it was Saturday, he usually rested at home to take over his wife's babysitting. Shang Fuhai kept in mind the matter of inviting Manager Ma of the Agricultural Bank of China to dinner, and made a promise to Xu Fei. N benefits, this is allowed to leave.

Before leaving the house, lunch was prepared for the two of them.

The communication with Manager Ma was very pleasant. At least both of them were smiling. Manager Ma also repeatedly said that if there is still a need for funds, as long as it is within the rules, it is a matter of one sentence.

Good guy, that's a beautiful statement, but Shang Fuhai really believed him.

What is 'within the rules'?

Shang Fuhai spent nearly 1000 yuan on this meal, and he also spent a lot of money to get such a scene.

A few dogs are not fuel-efficient lamps!

Chapter 7 Accidents Are Everywhere

After separating from Manager Ma, Shang Fuhai did not go home directly, but wandered aimlessly along the side of the road.

He has been thinking about a question for the past few days, is it necessary to continue to rely on the company?

This 'first pot of gold' start-up capital is in hand, although it is a loan, what does it matter?

If the experience of his previous life hadn't been a dream, if the course of time hadn't been flapped by his unexpected little butterfly, then the general direction would not have changed.

He has already embarked on the road of driving cattle. If there is no accident, he will do nothing else. When the 126 calves in the west are raised into big cattle, he will have at least more than 100 million, even if he pays back the 23 5. He still has 80 million, not to mention he has prepared two spare tires...

Now that this is the case, is it necessary to stay in the company now?Or quit your job and do something else?What could it be?

His mind was empty again, and Shang Fuhai's steps began to go astray, and he arrived at Bocheng Commercial Street.

Since it was a Saturday, the loud noise of the dense crowd woke him up.

When I came back to my senses, I looked forward, and there were wide-open store doors everywhere. There were various fast food chains, branded clothing stores, jewelry stores, etc., and there was a comprehensive chain store Chao RT-Mart across the street.

"Go buy a piece of clothing for my wife? Or buy a piece of jewelry?" Shang Fuhai looked at the store and thought about it, and then gave up. Not counting the securities account, he now only has more than 1000 disposable deposits at any time. You have to swipe your credit card, and wait until the cows are mature for clothes and accessories.

"It seems that my daughter's diapers are almost gone. The box of milk powder I just bought last time still has four buckets, and it can last for another two months."

From RT-Mart, Shang Fuhai carried two packs of Kao diapers, a box of silicone toys, and a bag of pork ribs weighing less than 10 catties, and a small consumption expenditure of 400 yuan. This time, the disposable savings directly fell to the living security. The warning line.