Siheyuan: The Idiot in Charge

Chapter 295 A great harvest

"Hansheng, we transferred all the shares. Is it really right?"

Seeing the current situation of the bank, several shareholders felt inexplicably regretful.

He and others were frightened and confused.

Maybe some shares should be left.

Cheng Hansheng said quietly: "There is a dark road ahead of the business. Who knows what the future of the bank will be?"

"That's right, forget it, they've all become meat in the family's cooking pot. There's no point regretting it now."

"They can turn things around as soon as they take over. That's their strength. There's no need to be jealous."

"Yeah, they didn't force us to give up our shares, so who can we blame?"

"Yes Yes……"

"I heard that he is from the Mainland. He is so young and can spend so much money at once. I'm afraid this Mr. Jia's background is not simple!"

"Hush! Brother, be careful what you say!"

"Yes Yes Yes……"

……

There are three employees in the large household room.

Cheng Hansheng and his party consisted of seven people.

So, three people applied and four people waited.

Shi Xingyue was busy making tea for Cheng Hansheng and others.

"President Shi, don't worry about us, you are busy with your business."

"That's not possible. You are all veterans of Yuyu Bank, and you will also be our bank's valued customers in the future. No matter how busy you are, you must take good care of us. How can you neglect us?"

"Hahaha, President Shi is so polite!"

"What did Mr. Cheng say? You are my senior. Please forgive me if I fail to take care of anything."

"Hmm, the opening situation is pretty good, right?"

"It's okay, but it's still a little short of Jia Dong's goal."

"Oh? Jia Shaoyu's target?"

"Well! Our goal, Mr. Jia, is to have more money than we can pay."

"Yesterday, more than 20 yuan was paid out, but today it is just the same."

Cheng Hansheng asked in disbelief: "Only more than 20 yuan was cashed out in one day yesterday?"

"Yes, Director Cheng! When many depositors saw the strength of our Dongsheng, they gave up the idea of ​​cashing out and switched to deposit. Our bank's interest rate is also high, and the existing ones have begun to increase."

"High interest rates?"

"Yes, our current five-year annual interest rate for ordinary customers is 6.5%. If large customers apply for agreed deposits, the interest rate will be even higher."

"Agreed deposit?"

"."

A qualified business manager must not only act vigorously and resolutely, but also be sophisticated.

When Shi Xingyue was at HSBC, she spent a lot of time in the big account office and had rich experience in dealing with big customers.

Coupled with her sincere attitude, she can definitely be called a social cow.

And Cheng Hansheng and several shareholders--

He was soon deceived by Shi Xingyue.

In addition to withdrawing the loan, several people deposited the rest of the funds into Dongsheng Bank.

They are all 10-year long-term agreed deposits with an annual interest rate of 7.2%.

You can withdraw it at any time, and only pay the current interest rate if you pay in advance.

As a major customer, when you need funds, you can apply for a deposit pledge loan. The maximum loan amount is 90% of the deposit.

You can also provide guarantee for others by pledging deposits, up to 80% of the loan limit.

Cheng Hansheng and several shareholders left with satisfaction.

As a leader among Chinese, Cheng Hansheng and several shareholders each have their own circles.

Their influence cannot be underestimated.

Take them down, and the people in their circle will follow suit.

a week later.

Existing business doubled and the bank began to get on the right track.

Jia Weidong asked Shi Xingyue to start integrating the credit department, and at the same time established the investment department, legal department, and security department.

The focus of the credit department has changed.

First, strictly control external lending, especially in the high-risk real estate industry, and no loans will be made.

Second, increase efforts to collect overdue loans, and whoever handles the loans will be responsible.

Rewards will be given if recovered.

If there are any difficulties, the Legal Department and Security Department will fully cooperate.

If the loan cannot be recovered, then the collateral will be recovered, and all land, unfinished buildings, etc. will be collected according to the order.

<divclass="contentadv">The investment department has two main jobs.

1. Cooperate with Hongda Construction Company to develop the recovered land and unfinished projects and provide financial support.

All properties are for rent only and not for sale for a short period of time.

Second, invest in gold.

In the future, the bank will reserve 25% of the funds as reserve funds for deposits.

The remaining funds were used to purchase gold and slowly buy London gold.

In the past decade or so, banks have been the safest way to invest in gold.

First, the purchased gold can be used as bank reserve gold, which can be quickly liquidated when the bank is in crisis.

The second is high returns.

68 years ago, the price of gold was below $35 per ounce, but by 80 it would skyrocket to $850 per ounce.

As long as you take action before gold plummets in 80, the profit will be...

With such huge profits and no risk at all, why lend money?

The general direction is determined, and the specific management is left to Shi Xingyue.

Jia Weidong once again became the hands-off shopkeeper.

The next thing to do is to set up a security company.

The first is site selection.

The location of a security company is very important.

Office and accommodation are easy to solve, but the key is to have a training ground.

In fact, the Yuen Long Farm site is quite large and is very suitable for team training.

It's just that the location of Yuen Long Farm is too remote and can only be used as a training base for reserve personnel.

A security company is established to serve its own industry.

If you are too far away, you will inevitably be out of reach if an emergency occurs.

I took Chen Shoushan around Tsim Sha Tsui and selected a piece of land that had not yet started construction among several properties under the bank's name.

This land is very close to Tung Shing Bank and Tung Shing Gardens.

It covers an area of ​​more than 11 acres, which is enough for the security company's office, camping and daily training.

After the land is selected, the next step is to let the designers of Hongda Construction carry out planning and design.

Jia Weidong drew a sketch for the designer.

Offices, command centers, daily training venues, canteens, dormitories, gun stores, garages

After completion, it will be comparable to a modern small barracks.

It can accommodate about 500 security personnel, almost a battalion.

The company name was also decided.

Blue Shield Security Company.

Chen Shoushan serves as the general manager of the security company, and Ma Xiaojun serves as the deputy general manager.

The captain of the farm guard was changed to Shi Xiaoyong.

half a month later.

Construction of the security company's construction site officially started.

Then, Jia Weidong made adjustments to the company's personnel.

Lou Xiaoe still serves as the general manager, and Chu Xiaodan also serves as the financial director.

The financial director is a very important position, and outsiders are definitely not as trustworthy as their own colleagues.

When the company was first established, Chu Xiaodan was just an employee introduced by Shi Xingyue.

It's different now.

Chu Xiaodan is his own woman.

One of the registered, legal wives protected by Hong Kong law.

It would be perfect to let her be in charge of her own purse.

It took more than a month, and the goal of coming to Xiangjiang this time has been achieved.

After acquiring banks, a large number of mortgaged properties and land were also collected by Jia Weidong.

The value is immeasurable. In a few years, it will be conservatively estimated to be several hundred million.

Great harvest.

After everything was straightened out and arranged, Jia Weidong continued to be the hands-off shopkeeper.

Apart from occasionally visiting a few construction sites and banks, I spend the rest of my time with my wife and children.

Time flies, and it’s the end of August in a blink of an eye.

It's time for Jia Weidong to return to the mainland.

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