I’m A Baller

　　 was thinking about making friends, but Wang Dashao did not take the initiative to bring the rhythm.

　　 The smile is friendly and friendly, but the attitude is firm.

　　 As the saying goes, a wife is worse than a concubine, a concubine is worse than stealing, and it is better to steal than stealing...

　　 Human nature is cheap.

　　 "Chu Xing is a predecessor, and you are so intimidated by your love."

　　 After a careful remark, Wang Dashao finally responded only to such a sentence.

　　 is neither salty nor salty, but also a little bit literal, not close in attitude, with big and small arrogance, but there is no lack of etiquette.

　　 Chu Hong's attitude is still so enthusiastic, even more enthusiastic.

　　 Although Wang Dashao lacks social experience seriously, his grasp of human nature is too accurate, and he directly hit Chu Hong's G spot with one needle.

　　 For the elites in the financial system, the first two faces of different people are just the most basic professional qualities.

　　 If you have money, then you are more close to your father. You can bring tea and water, rub your shoulders and beat your legs before and after the horse.

　　 You have no money, and you won’t even look straight.

　　 The industry that deals with money daily is so realistic.

　　 So the more Wang Yan puts on the air, the more positive Chu Hong will be.

　　 It's hard to do well!

　　 The more difficult the customer is, the more loyal it will be, and it will not change the door easily.

　　 All young and old are arrogant. How can they be like a grassroots tyrant who must compare themselves with each other, and if you have milk, you are a mother? !

　　The people's livelihood is not comparable to the four major industries, and their strengths and abilities are far from each other. All they play is service.

　　 Chu Hong's position on his bank is very clear, so he is more willing to sullen his face, replacing him with the same-level vice president of the Universe Bank here, 80% will not lick that much.

　　 Are you cold?

　　 Our universe is higher and colder!

　　……

　　 "Wang Shao, it's better to meet by chance. Today is really rare. I can tell you. Please take a moment to go to my place. I will make up the meeting gift for you!"

　　 Chu Hong's licking skills are so good, even if Wang Yan lacks anything, he is very curious about it.

　　 "You are too polite, what gift, so mysterious?"

　　 "In fact, it is not worth mentioning to you, but I believe that you must be useful when."

　　 Chu Hong sold another sentence before giving an explanation.

　　 "We Minsheng are launching the new Infinite card this year, which is our bank's highest-level credit card. The target is the ICBC Centurion Black Card. The more famous one abroad is called the American Express Centurion.

　　Of course, our strength is incomparable with American Express. The new card is not that strong in the world, but it is relatively new in China, and the rights and interests are very good. "

"Oh?"

　　 President Wang suddenly showed little interest, but he showed a lot of curiosity in cooperation.

　　 Just kidding, are you someone who needs a credit card?

　　 Your so-called rights are not enough for my brother to breathe.

　　 Chu Hong couldn't imagine that the young man in front of him was so perverted and still enthusiastic about popular science.

　　"24-hour exclusive customer service and the like are the most basic rights.

In addition, 48 times a year Magic City Yanli SPA, Jiaotong University School of Medicine twice teeth cleaning, physical examination, 48 times to pick up and drop off, 8 times golf, 88 times five-star hotel gymnasium, swimming, Jihang, Hainan Airlines, Singapore Airlines senior membership , Ritz-Carlton, Shangri-La, Four Seasons senior membership, all five-star hotels stay three pay two......

　　 In the words of those card experts, the Infinite card of our people's livelihood is an artifact of blood recovery, and the rights and interests are super value.

　　And the most important thing is that our cards are very attractive, with titanium metal coating, thick and stylish, and even emboss your signature.

　　 Think about it, when you have a dinner, everyone takes out the card to pay for the bill. Everyone else takes out a plastic card. When you take out, you directly coerce the audience. Is it extraordinarily face-conscious? "

There are a lot of 　　 bab bab, only the last sentence is interesting.

　　 For Wang Dashao, being handsome is the most important thing, and the rest can be put back.

　　 But as an economics student, Wang Yan still has a learning attitude and asks one more question.

　　 "You talk about rights and interests, which means that the original consumption of those rights and interests is enough to cover the annual credit card fee, right? So, isn't your bank losing money?"

　　 Wang Yan was willing to talk, and Chu Hong was happy, so he took the trouble to break the explanation.

　　 "We will not lose money, but you will definitely make money.

　　The annual fee of a private customized unlimited card is between 36,000 and 100,000, which gives you the highest level of rights and related total consumption. If you buy it all by yourself, it is estimated to cost about 200,000.

　　 Of course, you certainly don’t care about the 100,000 difference, let’s just talk about using the card.

If you have a consumption of 2 million yuan, swiping our card, the longest is a 50-day interest-free period, you should use the 2 million cash that should be spent immediately to buy one of our wealth management products-daily interest There are quite a few fractions, so you can pick it up.

　　 In 50 days, you will have a net profit of more than 15,000 in interest, and repayment is due without incurring any costs. There is a large amount of points, which is almost worth 6000+ after conversion.

　　Take the fixed expenditure of your company in official brushing as an example. Assuming that a fixed amount of 10 million is brushed out every month, if you pay with various credit cards, you will save more than 70,000 a month!

　　 is about one million a year, which is equivalent to a new car, or to raise an extra female college student without paying a penny.

　　 By extension, the salary and rewards that your company has to settle to the anchor every month may become an astronomical figure in the future.

　　 If you have the ability to allow the platform to settle for you half a month early, and at the same time settle for the anchor half a month later, and one month inside and outside, how much interest can you generate?

　　 Money makes money, isn’t that how it is played? "

　　 Fuck!

　　Niu beep...

　　 Wang Yan doesn't care about the money itself, but this idea is really inspiring.

　　 is like opening a new door.

　　 The currency knowledge learned in the past flows slowly in my mind, converging into a river, and accumulating into a lake, which makes Wang Yan feel suddenly enlightened.

　　 How did those large supermarket chains with meager or even negative profits survive, or even survive?

　　 Rely on cash flow!

　　 As long as you have cash, it’s not easy to think about it!

　　Wang Ting Entertainment is born a heavy cash flow company.

　　 Assuming that the stall will be rolled out in the future, the company has cultivated two or three hundred upper-level anchors, corresponding to about 50 platforms.

　　 An upper-level anchor on a small platform has about 3 to 500,000 monthly streams, and a large platform can reach 2 million. On average, even if each person has 1 million monthly streams.

　　 How much is that?

　　 Two or three billion!

　　 The market volume is not that big, it is impossible to win so many big anchors?

　　Yes, the current market is indeed not that big. For the time being, let’s not mention the future market growth problem, just talk about the present-

　　Wang Yan can be praised by private officials!

　　 The previous situation was that if Wang Dashao brushed 5 million, he could return about 85%.

　　 What's next?

　　 As the power of Wangting Entertainment becomes stronger and stronger, it is enough to force the platform to get the best share.

　　 Maoxiong TV, which is currently negotiating, has given extremely generous conditions close to the top.

　　 After that, every month, private recharges of 100 million, 200 million, or even 3.5 billion are used to open various accounts on 50 platforms, and there is no problem with the return ratio of 95%!

　　 Even if you swipe 1 million and return 1 million, let the platform only make a lot of fun, it’s not a problem!

　　 On this basis, Wangting Entertainment's flow will also be very terrible, as long as it can achieve a 1% monthly profit, it is a huge benefit!

　　 Wang Yan became more excited as he thought about it.

　　 Ma Dan, others lose money after washing horse milk, how come you can make a fortune in turn?

　　 It is true that young and old are not short of money, but if the clean money earned is backhanded to charity and spent on out-of-school children, seriously ill patients, and orphans, is it not fragrant?

　　 It smells so good!

　　 Of course, to make a profit, there are still two prerequisites.

　　First, tax exemption policy.

　　Second, large amount of interest-free loans.

　　 In terms of taxation, Wang Yan does not intend to make opportunities.

　　 Just follow the normal payment, pay as much as you should pay, and even use your own private money to subsidize the country.

　　Wang Yan will spend more peace of mind if the panting floating wealth can make some contributions to the country and society.

　　As for large interest-free loans...

　　I'm afraid that an infinite card is not enough...

　　 But it doesn't matter, there are so many domestic banks, one for each, I can't kill you!

　　 What should I do if the live broadcast platform does not cooperate?

　　 It’s okay. We will set up another overseas fund, open dozens of leather bag companies, and acquire dozens of small platforms. They are not under each other, and they are independent.

　　 I don’t want you to make money and balance your income and expenditures. It’s enough if you can pay employees’ salaries and pay business tax for utilities.

　　 The survival of the fittest among platforms, and the same is true for employees.

　　 A good platform for the final victory, the development and development, the listing.

　　 The good employees who won in the end will be promoted step by step to become the core team of the group!

　　 Two or three years later, when your historical mission is completed, I will also hold an elite division in hand and complete the substantive rule of the entire live broadcast industry!

　　 The live broadcast industry is indeed not big, but there are many things that can be done...

　　 At the moment Wang Yan made up his mind, an unprecedented magical shadow that shrouded the entire live broadcast industry, like an iron curtain, began to faintly condense.

demon king?

　　Because of blowing Sting!

　　……

　　The so-called pattern does not lie in the size of the industry, but in the perspective of the problem.

　　 Standing from a high place overlooking, I use the positive side of the industry and use it to the extreme, instead of getting stuck in it, it is the pattern.

　　 Inspired by Chu Hong, Wang Yan completed the overall layout of the live broadcast industry in an instant. The strategic plan was clear and clear, and he was courageously advancing without contending for the gains and losses.

　　 The slight change in mentality is reflected in his temperament and attitude, making Wang Yan's performance more calm and leisurely, with an atmosphere of holding the overall situation.

　　 He Miaomiao is a godlike woman, but she noticed such a small change in the first place.

　　 looked at Wang Yan sensitively, then kept looking suspiciously, crying wildly in his heart: What's the matter? Suddenly it looks like my dad!

　　 Dog, what are you doing again? !

　　 Wang Yan ignored He Miaomiao, she didn't have a chance to guess, and if she had that time, it was better to do business.

　　 asked Chu Hong with interest: "Chu Xing, it sounds interesting, but what's the amount? A small amount of more than one million dollars is really not a toss."

　　'S words were so crazy, but Chu Hong admitted.

　　 Subconsciously glanced at Miss He, then President Chu swallowed straight.

　　Don't get me wrong, it's not because of the fairy-like face, but because of the watch and earrings of Miss He.

　　 Simply estimate the price in my heart, dear, 15 million can't be beaten!

　　 The shape of Vacheron Constantin's art master S12G-9479 is so recognizable. It has a woven pattern and nearly 200 top diamonds. As soon as it was born this year, countless ladies and ladies fell over.

　　Price...950,000 euros.

　　 The net worth of the female companion is so amazing, what kind of strength is Wang Yande? !

　　 is definitely more terrifying than the rumors!

He gritted his teeth inwardly, and Chu Hong smiled and said: "The amount of 3 million, I will approve it directly for you, no need to trouble you with anything! If it is no matter how high, Lao Chu, I don't have the authority, I can only trouble you to cooperate... "

　　 "Good intentions, my personality is straightforward, telling you the truth is meaningless."

　　 Wang Yan shook his head calmly, not showing regret, let alone showing any interest.

After 　　, I just turn to the topic.

　　 "I was about to take a photo of the two-story office building in the magic city recently. I just have a question to ask you."

　　 Chu Hong was a little anxious, but he had a lot of experience and knew that he couldn't eat hot tofu in a hurry, so he was still very stable.

　　 "Don't hesitate to tell me, it is an honor for me to make some professional opinions and suggestions!"

　　 "Thank you, I am short of suggestions."

　　 Wang Yan nodded, and said slowly: "It was a two-tier court judicial auction. The estimated price is 480 million yuan, and the auction price is 320 million yuan. The location is...

　　 I would like to ask, how does your bank give prices for similar asset evaluations?

　　 If I want to use those two floors to inject Wangting Entertainment, how should I get the value?

　　 In the future, if Wangting Entertainment wants to use asset loans to expand its operations, how much cash can it probably lend?

　　The so-called listening at the same time, I would like to know the people's livelihood's views on such projects. "

　　 Chu Hong was taken aback for a moment, his eyes quickly lit up with a fiery light.

　　Wang Ting Entertainment wants a loan? !

　　 The bait thrown by Master Wang worked.

　　The intermediary business of domestic commercial banks is not well developed. Loans are the lifeblood of banks. To put it simply and crudely, the ultimate purpose of domestic banks to absorb reserves is to lend them all.

　　Of course, we must lend to trustworthy people and companies.

　　 So the actual situation is always particularly ridiculous——

　　 The better the qualifications and the big companies that are not short of money, the more banks want to ask them for loans.

　　 Small and micro enterprises that are really short of money to operate, on the contrary, cannot get too many loans.

　　Wangting Entertainment is a small and micro enterprise, but it is a special company with good qualifications.

　　 There is no debt, the monthly flow explodes, the cash flow is tens of millions, and it will even soon have a net asset of 500 million!

　　 The office buildings in Pudong’s core area are used for mortgage loans, and there is almost no risk.

　　 It may not rise much when it rises, but it is impossible to fall when it falls. It is very stable.

　　 Chu Hong was excited, and immediately began to wonder: How can we take Wang Yan down?

　　 What they like?

　　Ai Jialiang never said why Wang Yan is so good...

　　 I wondered for a long time that I didn't have it, and his expression was serious, as if he was thinking about Wang Yan's problem. That was a hard work.

　　 In fact, such a simple question does not require a brain, and can answer it with the toes.

　　 was almost the same, and Chu Hong finally spoke carefully.

　　 "Under normal circumstances, we will use the data of a designated third-party evaluation company, combined with the opinions of the internal credit department, to make a comprehensive credit line confirmation.

　　 For the time being, I am not sure about the issuer of your office building evaluation report, but in my experience, the valuation of 480 million yuan is not a big problem, and Haiguang Building is definitely worth that price.

　　 After next year, it will be the peak season for office leases and sales. When that happens, you can make another assessment, and it may even exceed 520 million.

　　 If you need it, Old Chu, I will help you intervene, 600 million is not impossible...

　　We grant credit at a maximum of 30% off, and the maximum mortgage loan line for your company is 350 to 400 million.

　　 Another one, the overall market value and profit margin of your company will affect the loan interest rate.

　　Your company has not yet been listed. The conventional method of market value statistics is nothing more than a price-earnings ratio or a price-to-book ratio. Your company's current price-to-earnings ratio is very good-looking, but since you will inject heavy assets immediately, it is better to calculate it based on the price-to-book ratio.

　　 is usually twice the valuation of net assets. In other words, your company can be called a large enterprise with a market value of 1 billion!

　　 The current benchmark loan interest rate is 6% for less than 5 years and 5.6% for less than 1 year. On your terms, the interest rate must fall by at least 20% to be sincere!

　　 I think there should be a lot of colleagues to fight for. "

Ok? !

　　Can the bank's benchmark interest rate go down? !

　　 Wang Dashao was shocked.

　　 No matter how many books I read, no matter how much theoretical knowledge I have, I haven't really experienced anything, I still can't understand the real society.

　　Fart people grassroots, of course, can’t enjoy that kind of treatment, but for large companies, affiliates, and potential stocks, what is the floating interest rate?

　　 Chu Hong didn't find any expression on Wang Yan's face. For fear that he was not satisfied, he was trying to hold back bad.

　　‘Wang Shao-young is very hot, and he takes pretty girls wherever he goes. Maybe it will be a miraculous effect if he turns around and lets go of the flowers. ’

　　 That certainly can't, we are not the kind of cats.

　　 Decent Wang Congrong smiled and waved his hand: "Chu Xing has been praised. Our Wangting Entertainment is just a small company. Buying a two-story building is my personal desire to give employees a sense of belonging and stabilize the military.

　　 When I will inject capital to the 1 billion level, I am embarrassed to pretend that I am a large company..."

　　 is called modest, but it is really showing off wealth.

　　On costume beep, Wang Yan is definitely a master.

　　 Chu Hong's heart is too hot, biting to death, wishing to jump up the fishing line.

　　 is still the sentence: human nature is cheap.

　　 The more inattentive Wang Yan was with loans, the more Chu Hong wanted to lend him.

　　 In fact, it’s not a dignified vice president who is particularly fond of fools. If someone else is acting for Chu Hong, he can only get two sneers and a ridicule: silly beep!

　　 Wang Yan is different.

　　 Chu Hong's view of the big and young is: the strength is unfathomable.

　　 Putting normal people to judge the whole thing, they will feel that Wang Dashao is not bad for money.

　　 I’m really short of money, just don’t buy those two floors and invest the 320 million yuan directly in Wangting Entertainment. How much can you do?

　　 Buy the property with cash first, and then take a loan. Is it okay?

　　 Neurotic, right? !

　　Only people who are not short of money can spend a lot of money to build a headquarters in the initial stage of the development of an entertainment company.

　　 is not any necessary production equipment, renting a building does not affect the operation at all, who is not a big local tyrant who toss that stuff!

　　Anyone with normal intelligence will make the same judgment.

　　Who would have thought that Wang Yan actually didn't have anything, and he was short of money, so he expected the two-story office building to produce food?

　　 So Chu Hong was cheated and not injustice.

　　 Right now, the big governor has already begun to consider how far he must relax the conditions in order to "coax" Wang Yan to open a basic account and make a loan at his home.

　　 Hey, it's hard to ask for help...

　　 I can't bear my wife, I can't catch a gangster, come, give it a favor!

　　 "Wang Shao, talk about other things slowly, you have to keep the meeting gift!

　　 If you think that the card limit is too small, then do so. When your two-story office building is available, you can come to me to make a proof of assets. The procedure is very simple, and you are guaranteed not to delay your time!

　　 Then I will help you apply for a large personal credit, and I will give you a card of up to 20 million, which is almost enough to spend? "

　　 Chu Hong was sincere on his face, but secretly smiled in his heart.

　　 If you are really doing credit granting in our house, you can't help it if you don't get a loan at that time!

　　 Play routines with me, master, you are still tender!

　　 quack...

　　 So kind, what can Wang Yan do?

　　 had to reluctantly give face!

　　 "Well, Chu Xing, you put so many high hats on me, and you don't agree to anything, it seems that I am very unkind...

　　Thanks to you, get a credit card to play...

Hey! I can tell you in advance, only this time, not as an example!

　　 I least like to owe favors in my life..."

　　Wang Dashao smiled bitterly, shook his head, and sighed, like a second-generation juvenile-minded ~www.readwn.com~ was put up by face and couldn't get off.

　　 Chu Hong was very proud and laughed.

　　"Wang Shao, don’t be kidding! Why are you owing favor? It is obviously my old Chu who brought in another top customer and contributed a lot to the new card business!

　　 Favor, count my old Chu owes you!

　　 I don’t want to say much, but you must give me a chance when you come back. Let me thank you very much! "

The actor Wang Xi was full, and nodded with a smile but a smile: "Okay, there are so many expensive credit cards with an inexplicable annual fee. I am in a bad mood! Next time I have a chance, I will kill you. Don't complain, let's talk about it. make friends!"

　　 "It's done! The gentleman says it's hard to chase the horse!"

　　 Chu Hong was overjoyed and felt that his relationship with Wang Dashao had finally made substantial progress, and he was extremely happy.

　　 He Miaomiao glanced at the overjoyed Chu Hong with pity, and silently rolled his eyes.

　　 idiot!

　　 Although I don’t know where the pit is, if the dog doesn’t pit you, this princess will be named Wang after the dog!

　　My dad is also true, always telling me about the sinister society, people's hearts are unpredictable.

　　 Where is the sinister?

　　 Each one is as mentally retarded, but the dog is the most sinister!

Huh? !

　　 The dog is so insidious and cunning, did he cheat me?

　　 Suddenly, Missy finally realized that there seemed to be something wrong.

　　………………………….

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