Lin Qiang was a little unresponsive. Does Luo Yongsheng's strong-minded thinking jump like this?

"Fund? What fund? Private equity or public?"

"The public is equivalent to the funds sold by your bank." Luo Yongsheng told, "We WeChat now have added payment function. We are not online shopping, but timely payment. The concept of anytime and anywhere. Every time users eat, take a taxi, watch movies, and any consumption behavior can be paid through our WeChat WeChat, with additional discounts. Although we did not make money in this process, users have already developed the habit of WeChat Pay."

"Just to trap users more securely?" Lin Qiang muttered.

"Generating new habits is the beginning of subversion."

"You mean..." Lin Qiang thought about it and was suddenly shocked, "Do you want to sell funds on WeChat?"

"That's what you mean, you react quickly." Luo Yongsheng explained, "The kind of fund that buys and redeems immediately, keeps the money there, which not only has higher returns than the bank, but also makes it convenient to withdraw at any time, which is convenient + affordable."

"..." Lin Qiang frowned and thought for a long time, "But banks also sell such funds?"

"After all, it is inconvenient for banks. The delay in purchasing and redemption is too large, and many young people do not deliberately manage their finances. My idea is that no matter how many hundred or thousands of yuan, they can be put in funds and make profits at any time."

"Mr. Luo..." Lin Qiang frowned and sighed, "Are you going to challenge the entire banking industry?"

"How dare you be so bold? You're joking." Luo Yongsheng quickly avoided suspicion, "Retreat a hundred steps and said that Weixun does not have this strength."

"This matter... is very difficult..." Lin Qiang pursed his lips, "but it would be terrible if it really did."

"Will it affect the bank?"

"I don't know either, it depends on the scale." Lin Qiang imagined the scene at that time, "If it really spreads to everyone like a virus, then the bank will suffer."

"You guy, don't you be so crisis-conscious?" Luo Yongsheng smiled. "When he talked to the financial consultant, he was so excited."

"Does the position different?"

"But this is really difficult." Luo Yongsheng hugged his head and said, "If you really want to do it, I don't know how many obstacles you will encounter. Politically, regulations, and commercially... let's wait a little longer."

"Indeed, IT companies are under the jurisdiction of the Ministry of Industry and Information Technology, but funds are under the jurisdiction of the China Securities Regulatory Commission. If you cross the border, you need to open up institutions. There are too many licenses to apply for."

"I'll think about it again." Luo Yongsheng glanced at his watch, "What they said should be almost done, let's go back."

"good."

"By the way." Luo Yongsheng finally patted Lin Qiang, "This is a trade secret."

"clear."

When they returned to the conference room, the few people inside had already started chatting. When they saw the two bosses coming, a group of people quickly got up.

"How are you talking?" Luo Yongsheng asked casually after sitting down.

"I have a basic understanding of Longyuan's situation, and I'm really optimistic." The subordinate stood up and pointed out the window, "The land we can invest in Longyuan is there, a street here, about 400 meters away from the subway station."

"How do you compare with Shangdi and Wangjing?" Luo Yongsheng continued to ask.

"The land cost is less, but relatively speaking, there are fewer companies of the same type around it, which makes it feel like it is isolated."

"This doesn't matter." Luo Yongsheng waved his hand, "Jijing is crowded enough. We are not a big food stall, so we can't make a bunch of people."

"Mr. Luo said," his subordinate frowned, "There is another point that those two high-tech zones have policy advantages, which are very beneficial to us in terms of taxation and government support..."

"Longyuan is also investing in investment." Lin Qiang said quickly, "I can contact the secretary here. The ability of WeChat to enter Longyuan will also bring about great development. I believe that the leaders here will give greater policy benefits."

"Oh?" Luo Yongsheng raised his eyebrows, "You even pulled the district government."

"Coincidence, coincidence."

"You are right about this. We already have a brand in WeChat. You can't be hasty when entering such a big thing." Luo Yongsheng waved his arm and said, "In this way, you can exchange contact information and ask Mr. Ma to talk about it. He is more familiar with this matter."

"OK."

"I will also ask Mr. Ma to pay attention to it." Luo Yongsheng continued to instruct, "There are too many large enterprises in those two parks, and the government cannot favor one or the other. However, when we settle in Longyuan, we are the leader and the first one. Based on our current asset scale, I believe that the district government can provide better policies."

"Then, President Lin." The subordinate looked at Lin Qiang, "Do I contact you?"

"Ok, touch time at any time."

"Okay." The subordinates had fully understood what Luo Yongsheng meant and took the opportunity to say, "We will also focus on discussing Longyuan when we go back, and temporarily set Longyuan as the first choice."

"You guys decide this, I don't understand real estate." Luo Yongsheng waved his hand and smiled.

On the surface, WeChat must be a democratic innovative enterprise.

After seeing off Luo Yongsheng and his party, Lin Qiang's thoughts could not calm down for a long time, and Luo Yongsheng's ideas were still echoing in his mind.

At present, 90% of personal financial product transactions occur in banks.

In the bank's personal financial business, except for treasury bonds, there are only three aspects: financial management, funds and insurance. Financial management has the lowest risk and the lowest returns; some funds are like stable stock markets, with a little fluctuation every day and can be purchased and redeemed at any time; insurance is purely for sale, and banks earn commissions. As for gold, foreign exchange, trust and other products, sales volume is very unstable and does not belong to the core.

In modern financial business, insurance is gradually declining, and financial management and funds occupy more people's vision, and these two products gradually tend to be homogenized. The core of them is to concentrate the scattered wealth to earn more profits.

It can be said that at this stage, the only channel for ordinary people to access these products is through the bank's account manager.

In Luo Yongsheng's vision, all this will be easily done on the Internet and on mobile clients.

No longer needing marketing for countless account managers, just a pop-up window.

No longer long-term contracts are needed, just one confirmation is needed.

There is no longer a need to come to the bank every day to detect the rise and fall of products, just a light finger.

Easy, affordable, anywhere, anytime, this mechanism has almost destroyed the publishing industry. The journalism industry has even endangered the communication industry and physical retail industry.

Now, is it the banking industry?

While marveling at Luo Yongsheng's wild thoughts, Lin Qiang was also reexamining his position.

"Hey, what's wrong?" Zheng Shuai patted Lin Qiang and asked, "What did you talk to Luo Yongsheng? He was absent-minded when he came back."

"This guy is quite terrible." Lin Qiang tried not to think about those things, but just shook his head, "This group of IT elites can't afford to offend them."

"Haha, we must admire him when we do this." Zheng Shuai smiled. "But it is a virtual thing after all, it depends too much on innovation. It comes and goes quickly. Relatively speaking, the bank will be longer."

"Yes." Lin Qiang didn't think about this and turned to the other side and said, "Xijun. You get off work first, go to the October house to have a good chat with her."

"I'm afraid you're going to have a meeting!" Mo Xijun nodded quickly and walked back quickly.

"Aren't you going?" Zheng Shuai smiled with his eyebrows raised, "Wenjun can't say when will he be back."

"Eh?" Lin Qiang smiled, "I just saw the beauty you and Luo Yongsheng bringing you back and forth. Do you want to ask you for contact information?"

"You can speak softly! I took a few more glances."

...

In the following month, both Jijing Branch and Longyuan Branch entered a stage of rapid expansion.

At the entire branch level, under the great incentive and pressure of Huang Guangyao, he launched a counterattack and continued to win over all the customers he had with Jijing Bank. Even a steady leader like Zhu Fengshan was forced to run out every day like a chicken blood, which shows the strength this time.

On the other hand, Jijing Bank basically stopped vicious competition for corporate business. It mainly targeted units and companies under the municipal party committee system. Chen Xingyuan used his years of contacts and terrible relationship network to reach cooperation with many agencies and state-owned enterprises, and made great achievements.

As for Longyuan, there were 13 teams carrying out official affairs, including 4 people stationed in Taiwan, 3 people were process matter personnel, and the remaining 6 people were divided into two groups, led by Mo Xijun and Liao Liang, and launched a locust-like invasion in Longyuan.

When China Construction Bank was preparing to carry out corporate business, the office desks of each office building in Longyuan were basically placed on United Bank's business card.

In October, with Xia Xin's secret help, he successfully obtained a position in the branch's business department. Although it was not as dazzling as the previous chairman and secretary, it was in line with the style of October. After negotiation, the official entry time was set after the Spring Festival, which was a great face sold by the branch's manpower to Lin Qiang.

...

At the end of the month, people from the entire Longyuan Branch were crowded in the conference room, and it was crowded.

After reporting to the public and private supervisors, Lin Qiang's expression was mixed.

"The personal business has exceeded 50 million, and the sales performance is also good, which is a good thing." Lin Qiang praised Zheng Shuai and the people behind him, "I have basically not focused on my personal concerns this month. It seems that everyone has completely entered the state. After the meeting, prepare to sign a bonus order."

The private staff were relieved. They were afraid that Lin Qiang would have too high business requirements, so they would naturally feel at ease when they heard these words. There were many Xiao Xiao and others, and they began to see stars when they heard the word "bonus".

For Lin Qiang, this result can only be considered as a matter of moderation, not unexpected, nor below expectations. There is no way. It is completely dependent on the local environment for private business. It is not easy for Zheng Shuai to do this. Almost everyone has only rested for four days this month, and he can no longer put pressure on the attack.

"As for the couple," Lin Qiang looked at the materials in his hand and frowned, "It's a bit miserable if it's less than 8 million."

The venue was silent and everyone was depressed about official affairs.

"The responsibility lies with me." Mo Xijun raised his tone and broke his silence. "The expectations for oral agreements were too high and too optimistic. In fact, they were not prepared for their delays."

"I have a responsibility, too." Liao Liang rubbed his forehead and said, "Although there are many customers, most of them just conduct simple account opening and other operations. The actual amount of funds won is too small, and the people on my side have put in too much time and energy, which is not worth the effort."

"These are all expected." Lin Qiang waved his arms and smiled, "There is no intention to blame everyone. The biggest responsibility is me. Generally, the governor relies on relationships to bring big orders to maintain the operation of the entire branch. However, my ability is limited, so everyone can only make more efforts."

"President Lin." Mo Xijun said, "We are the new branch. We will definitely go through this stage."

"Yes, so I don't blame everyone." Lin Qiang pursed his lips and asked Liao Liang, "We already have loan qualifications. There are so many real estate agents around and so many house purchases and transactions. We are the only bank with loan qualifications in Longyuan. Why are there only two house loans this month?"

Liao Liang immediately replied: "In fact, more than a dozen real estate agents have come this month to consult about loans here, but in fact... they are all here to talk about rebates... I asked you before, you said you should not promise rebates for the time being, and in the end they had to take customers to the city bank."

"Are there any more than a dozen..." Lin Qiang asked. "Can you estimate how much business volume there will be in this area every month if we give a rebate?"

"No need to estimate, I have talked to the real estate agents." Liao Liang said seriously, "Longyuan currently has 12 real estate agents, and the amount of house purchases and sales is large. It is conservatively estimated that the monthly order volume is more than 300. Among them, at least 200 loans are involved..."

"200 transactions..." Lin Qiang pursed his lips again, "This cannot be ignored. I went to the branch to talk to relevant people to see if I could get a rebate. Although the profit of personal housing loans is very low, for us, the legs of fly legs are also flesh. If the volume can be increased, it will be considered a considerable performance."

"Those people revealed that other banks are now about 0.3%, and I don't know whether it is true or not." Liao Liang stood up and said, "If I can fight for it, I can guarantee that I will win over all real estate agents as soon as possible."

"Ok, thank you for your hard work." Lin Qiang said to Mo Xijun, "Xijun. Don't be discouraged. It is a very tedious thing for companies to change cooperative banks. They need to prepare and wait. What's more, most of the ones you contact are government-backed institutions and enterprises. The efficiency will definitely not be too high. Keep a close eye on them and keep it up, and you will get rewards at any time."

"Yes..." Mo Xijun was encouraged and his expression eased a little. "Longyuan Hospital has confirmed that it can be transferred in the middle of next month, and the permanent funds are at least tens of millions."

"Please," Lin Qiang glanced at the audience and said suddenly, "I have heard a bad statement recently. I will correct it here. Everyone has seen that our private business is now ahead of public business. Therefore, some people feel unbalanced, and they feel that the profits earned by tiring and tiring to be divided equally with the leisurely ones. I understand this view very well. I have experienced such a thing. I have no intention of explaining too much here. I just say in a simple sentence - soon, we will enter the situation of public maintenance and private affairs. The one that feels unbalanced will be public personnel. Please try to restrain your thoughts and remarks now so as to avoid conflicts within us."
To be continued...