Taoyuan Little Miracle Doctor

Chapter 1522 Inventory
Among the bank's cash deposit business, financial management can be regarded as the most profitable business.

Especially for large amounts of cash flow, if you purchase one of the most popular financial products at the moment, it is no exaggeration to say that it takes as little as half a month and as much as two months to collect all the principal amount back.

The most valuable expression of money is the word flow.

If you just deposit it, or use the deposited money to make a loan, the interest rate is basically fixed.

Just like the deposit interest rate is two percentage points and the lending interest rate is three points, the bank can only earn one point of the difference.

But financial management is different. For example, Duanqi's cash flow financial management, which is a product for corporate application loans, injects 100 million cash into a product of a listed company. If the return rate of this product is within a week, Then this 100 million can basically earn 10,000+ in a week.

Of course, financial management has certain risks after all.

If the bet is successful, you can indeed make a lot of profit, but if it fails, the principal will also be lost.

Most of the losses are for customers, and the bank itself will basically not lose money. After all, when cooperating with merchants, there will be fixed compensation or mortgage deposits.

Now, after Manager Wu mentioned financial products, he also briefly introduced the relevant information to Wang Chen.

After listening to what he said, Wang Chen frowned and said: "If financial management can be successful, it is indeed more suitable than saving, but what if we lose money?
I know that financial management, like doing business, cannot be foolproof, but since you took the initiative to invite me to do financial management, you should also give me some protection, right? "

Manager Wu smiled and said: “Our bank will have a dedicated financial advisor for each of its product customers with more than 100 million customers.

Based on last year's overall data analysis, all our clients, with the help of financial advisors, basically achieved 90.00% [-]% profit.

Of course, the amount of profit is not fixed. After all, it involves different products, different interest rates, and different bet sizes. "

Wang Chen nodded: "In addition to the two businesses of financial management and cash deposits, does your bank currently have other ways to save money?"

Wang Chen really wanted to use this opportunity to deposit the millions given to him by Wang Pengcheng into the bank, thereby generating more money.

But in the end, saving money is just a incidental purpose.

The main purpose of his coming here is to find out about the money left by his grandfather.

If the situation permits, he will withdraw the money. If he does not meet the conditions, he will also find a way to publicize what is happening here.

Therefore, when talking about deposit methods, he also gradually brought the topic to the topic.

After hearing his inquiry, Manager Wu said: "Our bank has three ways to deposit money. The first two are the ones I just mentioned, which are financial management and normal interest rate deposits.

The third type is that our bank has opened a private depository, which is different from the first two.

To put it simply, not only does it not bring benefits to customers, but customers even have to pay a certain percentage of service fees every year. "

Wang Chen smiled and said, "Are there any requirements for depositing money in the treasury?"

Manager Wu said: “Two conditions, one is that the deposit amount must be more than 500 million, and the second is that the minimum term of the deposit is one year.

After all, this involves a lot of things. For example, we have to arrange for specialists to guard and ensure safety. If the number of years is short, our bank will not make much profit. "

Wang Chen thought for a moment and then asked: "How many people have saved money in this depository over the years?" Manager Wu shook his head: "Very few. If you count carefully, there are only seven or eight people in the past 30 years. But now, it seems that there are only two orders left.

One of these two orders was deposited in the early days of the depository. According to the president, it should also be the largest among these orders.

As for the other one, someone deposited it last year, and the amount was also very large. But according to the information I got, these two orders may become dead debts here. "

Wang Chen frowned and asked, "Why do you say that?"

Manager Wu smiled: "You are our honored guest. I can tell you this, but you must not mention it to others after you go out."

Wang Chen nodded and said, "Don't worry."

Manager Wu said in a deep voice: "The first person who came to deposit money was once a big boss of the Langya Wang family, but he left decades ago. Now he does not know whether he is alive or dead, and he has nothing to do with the Langya Wang family. There is some rancor.

So unless he or his descendants dare to risk offending the Langya Wang family, the money should always be placed in our bank.

As for the second payment, it is also related to the customer of the first payment. He seemed to be saving money here to get the first payment.

However, it is not that easy to withdraw the money in the depository, because even our bank does not have the key to the depository.

Only the person making the deposit, or someone designated by him, can do it. The lock uses a password or a face.No one else can enter that designated vault. "

Hearing this, Wang Chen asked meaningfully: "Then your bank has never thought about monopolizing the money? Although you need to open the warehouse yourself, the warehouse was built by you. If you want to monopolize it, there is always a way. Are you going to destroy the lock?"

A strange look flashed in Manager Wu's eyes: "To be honest, a former leader also had this idea and tried it.

However, most of the drawings and materials used when building the warehouse were provided by the first customer who made the deposit. To be honest, unless it is blown up with explosives, it will be difficult to open it with external force, even with a laser cutting machine. "

Hearing this, Wang Chen frowned slightly.

The first customer should be his grandfather Wang Yigan.

Previously, Wang Chen only knew that his grandfather had put the money in the warehouse, but he did not know that the construction of the warehouse was actually provided by his grandfather.

Logically speaking, even if it is 2000 to [-] million yuan, it should not be enough for the bank to agree to build a special depository for a certain person, right?

Could it be that the wealth that grandpa left here is many times more than 2000 million, or is there other more valuable treasures that banks can't refuse?

Wang Chen did not ask this question, but after thinking for a while, he changed the subject and said: "Then you have no idea how to find some people to try to unlock the face or fingerprint?
After all, the fingerprints are all different, but if the faces are similar, maybe it can be opened? "

Manager Wu spread his hands and said: "This method has been used before, because that person is the boss of the Langya Wang Family. At first we didn't ask anyone to come because of confidentiality reasons, but later, the people of the Langya Wang Family somehow found out about this. If something happened, I asked someone from their family to give it a try."

At this point, Manager Wu showed a strange expression and leaned into Wang Chen's ear and said, "To be honest, I was shocked the day they came."

"Why?" Wang Chen asked curiously.

(End of this chapter)