Chapter 5037: Speaking Human Language
Things happened as Lin Feng expected.
Originally, the four major banks required that if you want to withdraw cash from a regular deposit book, you must wait for a period of time before you can withdraw cash and transfer. Or you can transfer directly to the bank, but you will be charged a 0.5% handling fee. A large number of ordinary people choose to wait for a while. However, the four major banks immediately changed their policies. As long as the depositors keep their accounts, they can reduce the handling fees according to the previous charging standards. However, you must deposit at least 5,000 yuan in the bank and keep it for three years, and you cannot withdraw it.
This policy has made many depositors who have not yet transferred their money directly choose to transfer their money to the "China United Commercial Bank". After all, it only charges a handling fee of 50 yuan, so it is still a good deal to lose a little interest and be able to buy the "Fengshen Venture Capital Fund" there immediately. As for the 5,000 yuan regular deposit book, the loss of income that cannot be transferred to the "China United Commercial Bank" is basically the same. So, it doesn't matter.
And the group of customers who have transferred money before, after hearing about this policy, naturally felt a little uncomfortable. After all, I spent my money in vain, that's 500 yuan. If I don't collect it now, I will lose too much. But think about it carefully, the income of 5,000 yuan this year is also 500 yuan. According to the regular calculation, it means that I can earn 250 yuan more than the deposit in the four major banks, which is 750 yuan in three years. It is still more cost-effective than the 500 yuan transfer fee I lost. So, I feel balanced.
This is naturally a trick played by the four major banks.
"Mr. Lin, they really opened up fund transfers. What should we do? Accept it or not!" Many bank bosses asked nervously.
If you accept it, after the funds flow in, but the money has not arrived, the depositors come to withdraw the money, but they don't get a penny. They just won the book funds. On the contrary. If you don't accept it, the four major banks will use this to criticize them for going back on their word. After all, the depositors come to transfer money. Naturally, they come mainly for the 10% return. If the depositors transfer the money over. But you refuse to accept it, then do you still have credibility?
Don't forget that China United Commercial Bank is a newly established bank, and its credibility and reputation are completely dependent on Lin Feng. If it is rejected, the reputation of China United Commercial Bank among depositors will drop to the negative pole. Therefore, they cannot refuse. Especially, Lin Feng is still under the slogan of driving the people of the whole country to get rich. If you refuse, Lin Feng's reputation will be completely ruined.
"Take it! No matter how much, continue to take it!" Lin Feng said in a deep voice.
Now, the four major banks have begun to make moves, and we can only respond to them. If you avoid taking it, it is equivalent to running away, which is not good. It will directly lead to the bankruptcy of the newly established bank, and Lin Feng will also be labeled as a "big talker". Especially, Lin Feng is now rated as S-level by an international credit rating agency. An unprecedented S-level. At such a high level, if Lin Feng is labeled as a "big talker", it will undoubtedly be a great irony.
So, now we can only continue to take it. No matter how much, take it.
More and more funds are deposited in the China United Commercial Bank. According to the data released by the Bank of China last year, the total deposit amount of banks nationwide is as high as 38 trillion yuan. And this year, it will at least rise a lot. With the increase of GDP and the increase of people's income, the deposit funds will naturally increase.
And now, the funds pouring into the China United Commercial Bank have exceeded 18 trillion yuan! And it is still pouring in like a snowball. 18 trillion yuan, this is not a small number, it is almost half of the total national deposits last year. This number is enough to prove that the Chinese people are a big country of saving money.
All ordinary people are not used to spending future money. Regardless of whether this habit is beneficial to the national economy, at least it is a dangerous warning line for the China United Commercial Bank.
At present, the cash reserves of the entire China United Commercial Bank have just broken through 1 trillion yuan. This is the sum of all funds deposited in bank branches across the country. This is usually enough to cope with daily expenses. But if these depositors need to withdraw money urgently, not to mention the same day, but within a month, as long as the four major banks do not transfer the funds, they will collapse.
At this point, all bank bosses are worried. Although it is not a matter of life and death now, it is at least a matter of fear, fearing that there will be a sudden run on the bank when they wake up one day. This has caused these bosses to have trouble sleeping for several days.
"Boss Zhang, why are your eyes so dark? What did you do this evening?" Lin Feng teased.
"I say, Mr. Lin, aren't you worried? Now the four major banks are clearly plotting against us, how can we sleep well!"
"Yes, Mr. Lin, every time I close my eyes, I dream that the bank has problems, people come to withdraw money, but can't, and then countless people come to make trouble, and finally the bank collapses, and we become sinners. Every day, I wake up from nightmares in the middle of the night. I haven't been able to sleep well for several days. I only see you every day, and I can take a short nap in the office, otherwise, I really can't hold on. Mr. Lin, to be honest, if this life continues, I have to find a place to sleep at your house. As long as I am by your side, I can sleep well even if I sleep on the floor!"
"Yes, yes, Mr. Lin, if this continues, you can let us sleep on the floor at your house. We are really scared, we are haunted by nightmares!"
Many CEOs complained bitterly, and the dark circles under their eyes completely betrayed their fear.
"Haha, okay, don't worry. I believe that they will make a move soon. After all, transferring all the money over is not their original intention! In this way, when the date comes, they must transfer the cash to us. So, they can't delay for long!" Lin Feng smiled lightly.
At this moment, on the other side.
"Half of the funds have been transferred to the 'Lianshang Bank'!"
"Okay, then let's execute the plan. This time, I want to see what Lin Feng will choose! The moves that person pointed out are really wonderful!" Mr. A sighed.
Originally, he was extremely troubled by Lin Feng's launch of the 'China Face Bank'. He looked around for some staff members, including some economic experts, how to deal with Lin Feng's 'China Face Bank'. These people, all economic experts, have no way. Faced with Lin Feng's unrivaled popularity, they have no way. But that person, who is far away in Chongqing, gave a move.
You want to set up a bank and make deposits. OK, all the deposits will be given to you. But I only give you the book funds, I won't give you the cash for the time being. According to banking regulations, this much money, this is more than 10 trillion, I won't say too much, I'll delay you for three to five months, and then transfer it to your capital account, that's fine, right? After all, this doesn't usually require so much money. I'm understandable that I'm delaying you for a while. However, if the book funds have passed, but the cash has not, then we are the host. I can play with you as I want.
Raising the interest rate can directly squeeze you out. However, that person said, not for the time being. Let Lin Feng swallow the bad debts of those real estate developers first. Then slowly deal with him. Although that person is very optimistic about Lin Feng, since they are on different paths, they can't work together. Enemies must always be eradicated. This time, it can be regarded as an indirect confrontation between the two sides.
"Then, let them go to Lin Feng. Throw this poison over and see if Lin Feng accepts it." Mr. A ordered.
Then, that afternoon, the four presidents personally went to the headquarters of China United Commercial Bank to visit Lin Feng.
At this time, the headquarters of China United Commercial Bank was in a state of panic. People came in person, and four of them came together. Naturally, they came prepared and saw enemies everywhere. All the CEOs looked nervous.
"Why are you nervous? This is our territory. If we are afraid of them, how can you still see people if the news spreads out!" Lin Feng snorted.
The CEOs curled their lips. They were all afraid of being cheated in previous years. To be honest, they had suffered a lot at the hands of the four major banks in previous years. They were not as good as them in terms of background, money, and people, and they also needed people in terms of business. Tell me, how can they stand up straight? However, they were also embarrassed by Lin Feng's scolding. This time, the other party came mainly for Lin Feng, and they were afraid. If the news spread out, how can they still see people!
Immediately, many CEOs raised their heads and looked at the four presidents. This time, it was also the first time that they looked at each other with equal eyes. Seeing the shock in each other's eyes, these CEOs all felt an indescribable comfort.
They also made these bank presidents look at them with new eyes, and this kind of feeling is really good. You know, everyone is equal. Since we are equal, why did you always poop and pee on our heads and bully us before? Everyone should be equal.
"Four, what do you have to say here?" Lin Feng asked lazily, "Sit down and talk!"
The four bank presidents put aside those CEOs and were too lazy to look at those who wanted to please them in the past. In their eyes, there was only Lin Feng. In fact, the key core figure in this fight has always been Lin Feng.
"Mr. Lin, we know that you have a heart to help the country. You want to lead the people of China to become rich and want to make the people of China embark on the road of moderate prosperity. You can enjoy the life of Western developed countries with houses and cars. These are all things we admire. Although we are competitors, we still admire your great sentiments!" The four bank presidents complimented.
Lin Feng waved his hand.
"Speak human language!" Lin Feng said lazily.
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◇【To be continued. 『This text is provided by x-on:Yu Aiting of the Shining Shadow Group』. If you like this work, you are welcome to subscribe and reward. Your support is the author's greatest motivation. 】 Bring your friends ( x-on:Yingcheng x-on:Xincheng Shen x-on:Zi Shuwen x-on:Yu Shu Qiong Hua Man Mu Chun )