Reborn, back to a small county town to become a wealthy family

Chapter 730 If we wait any longer, the duck that's already in our hands will fly away.
It was said that Jiang Yuanshan organized the dinner, but the gathering was actually held on the second floor of the headquarters building of the Industrial and Commercial Bank of China.

The private dining room was very large and divided into several functional areas.

In the hall is a large round dining table, which, judging by its diameter, can seat sixteen or seventeen people at the same time. Next to it is a reception area, furnished with a complete set of mahogany furniture. The place of the coffee table has been replaced by a tea tray, where a tea master should sit to brew tea when entertaining guests.

The overall style is somewhat similar to a club, except it lacks a karaoke room.

Jiang Yuanshan was very familiar with several leaders of the Industrial and Commercial Bank of China, which was evident from their initial greetings upon meeting.

"This is my son-in-law, Luo Yang."

He's not a live-in son-in-law, and his family fortune, built from scratch, is no less impressive than that of the Yuanfan Group, so he's certainly presentable when introducing himself.

"Yangyang, this is President Xue Jun."

When everyone sat down to drink tea, Jiang Yuanshan introduced the main leaders present.

In addition to Xue Xing, there are Qi Zhanpeng, head of the retail banking department; Bu Zhihao, head of the commercial banking department; Yu Qingwan, head of the wealth management department; Li Yuntao, head of the investment banking department; as well as Shen Zhipeng, assistant president; and Hua Xuanxuan, director of the administrative office.

If it were a month ago, Luo Yang might have been a little confused when he heard these names.

Fortunately, I was planning to acquire a credit cooperative some time ago, and during my conversation with Dong Xuan, I learned a lot about the organizational structure of banks.

The so-called retail banking department is actually responsible for personal savings accounts, demand deposits, credit cards, loans, and other related businesses. The commercial banking department, on the other hand, mainly serves corporate clients, providing services such as commercial loans, corporate account management, and cash management; it is what people commonly refer to as the credit department.

The wealth management department, on the other hand, provides high-end financial services such as private banking, asset management, and trust services, aiming to help wealthy clients achieve asset appreciation and inheritance.

The last investment banking division didn't just appear at tonight's dinner party by chance; the professionals in this division specialize in helping companies with IPOs, bond issuances, mergers and acquisitions, and other similar activities.

Look at the lineup sent by ICBC: deposit-taking, loans, private banking services, IPO and M&A services. There's bound to be one that suits Jiang Yuanshan and Luo Yang; it's a complete package.

Moreover, knowing that they were entertaining the father-in-law and son-in-law tonight, they didn't send any pretty young girls from the banking department. However, Yu Qingwan, who was in charge of private banking, and Hua Xuanxuan from the administration department were among the most beautiful women in the Industrial and Commercial Bank of China.

When you treat someone to dinner, you have to be so particular; that's what it means to have depth and refinement.

"Old Jiang, you're being dishonest. You've only brought out such an excellent son-in-law today. Are you afraid we'll steal him from you?"

Of course, the only person present who could speak to Jiang Yuanshan in such a tone was the bank president, Xue Jun.

Luo Yang remembered him; he had even offered a toast at his engagement banquet with Jiang Fan.

"Sigh, you know that my son-in-law spends most of his time and energy in Shanghai, especially before he graduates this June. He has to manage company affairs while also taking care of his studies, so he basically has no time to come back to Yang City."

Jiang Yuanshan had already prepared his response: "I only graduated last month, and that's when I started to have some time to take care of the businesses in Yang City. I brought him out to show him off as soon as possible. I hope you old friends will take good care of him in the future."

"Mr. Jiang, is it true?"

Xue Jun knew a little about Luo Yang, but the others didn't. After Jiang Yuanshan explained, Yu Qingwan, who was in charge of private banking, asked in surprise, "President Luo only graduated from university this year?"

Although Luo Yang looks young, most people present would not have guessed that he is only 22 years old this year.

Especially knowing in advance that this Luo Yang had founded several companies in Yang City, including a garment factory with annual revenue of two to three billion yuan and a new energy enterprise with an investment of over five billion yuan.
Moreover, judging from the conversation just now, he has even more companies in Shanghai. What does that mean?
"Yangyang and my daughter were high school classmates, and they both graduated this June. Is that even possible?"

Jiang Yuanshan felt increasingly proud: "He started working part-time in his sophomore year of college, using his wages and bonuses as start-up capital, and built his current business in just three years. Oh, by the way, you know Nayuki Milk Tea over there on the pedestrian street, right? That's one of the businesses founded by my son-in-law."

"Oh my god, Nayuki Milk Tea is a company founded by CEO Luo?"

Hua Xuanxuan, the director of the administrative office, exclaimed in shock, "Many of the young women in our office love this milk tea the most, especially in the summer. They feel uncomfortable if they don't have a cup every day."

"Tsk, Old Jiang, you've kept this a secret pretty well!"

Xue Jun also looked at Luo Yang with surprise, then said to Jiang Yuanshan, "I've never heard you mention this to us before, so you're finally willing to show it off now?"

For seasoned veterans like them, many of their words require a deeper understanding.

In Xue Jun's view, bringing his son-in-law to the dinner party this time, seemingly to show off his son-in-law's business, was actually to give everyone present the underlying impression: my son-in-law has a lot of high-quality assets and is a highly sought-after customer by banks. You guys better watch out.

Sure enough, while Jiang Yuanshan and Xue Jun were talking, Qi Zhanpeng, who had deposit-gathering goals, Bu Zhihao, who needed to do lending business, and Yu Qingwan, who wanted to enrich her private banking and trust management services, all had their eyes light up.

In their view, the fact that Jiang Yuanshan specially brought Luo Yang to tonight's dinner party meant that he wanted to form a connection with the Industrial and Commercial Bank of China.

If you have the will, things will be much easier.

Even if we can't think of any business opportunities in Shanghai, we can always do some business here in Yangshi, right?

This anticipation continued even at the dinner table.

"Mr. Luo, let me toast you."

With deposit-gathering goals in mind, Qi Zhanpeng launched the offensive: "I didn't expect you to achieve so much at such a young age. If President Jiang and Xue Xing hadn't said it themselves today, who would have believed it?"

As far as he knew, Zhengyang Group regularly had hundreds of millions of yuan in liquid funds in its accounts, making it a true major savings account holder.

After getting to know each other over drinks, they can then use the excuse of visiting each other at home.

Over time, a relationship will develop. Even if you can't get all the business, and there's a shortfall in your annual targets, asking for help to open an account and keep tens of millions in savings within six months is still a good thing.

For Luo Yang, it didn't matter where he deposited his money, as long as it was in one of the four major banks.

Since Jiang Yuanshan brought him here today to make connections, he has to drink this glass of wine.

Bu Zhihao, who had a need for lending business, couldn't sit still any longer.

"President Luo, when Guangfan Wind Power landed in the development zone, the city provided a policy-based interest-free loan. This business was designated to Bank of China, which is a real pity. If it had been given to our Industrial and Commercial Bank of China, we would have become friends long ago."

"Yes, it was designated by the city, we didn't have a choice."

Luo Yang smiled and picked up his cup. "Good things come to those who wait. After graduating this June, I will gradually devote more energy to Yang City, and I will have more opportunities to communicate with Director Bu in the future."

"Mr. Luo is right."

Bu Zhihao raised his glass with a big smile and said, "Meeting the right person at the right time, that's what you call fate!"

Director Bu

Before toasting, Luo Yang joked, "I'm male, and I like women!"

His words immediately drew a burst of laughter.

"Mr. Luo, perhaps we shouldn't emphasize this point here?"

After Luo Yang finished drinking, Yu Qingwan, one of the three beauties of Yang City Industrial and Commercial Bank, said, "Besides me and Xuanxuan, everyone here shares the same hobbies as you."

Judging from the way she was speaking, she was about to walk over to him with her glass to offer him a toast.

"Director Bu, you know what, we really are destined to meet."

Luo Yang quickly interrupted Yu Qingwan; "This morning, I took some people to check out the mountains near Shuangfeng Town, and we immediately spotted a great spot there, planning to locate our project there." "Mr. Luo, you're planning to invest in a project in Shuangfeng Town?"

Sure enough, Bu Zhihao's eyes lit up when the topic of project investment came up: "What specific projects, and how much is the total investment?"

"A modern agricultural demonstration base."

While replying to Bu Zhihao, Luo Yang glanced at Jiang Yuanshan; "The total investment budget is about 1 million yuan. We have raised a little over 5000 million yuan of our own funds so far. My father-in-law may provide some support, and the rest will require support from banks."

Upon hearing the term "modern agricultural demonstration base," especially since it was located on the outskirts of Shuangfeng Town, Jiang Yuanshan's lips twitched immediately.

He instantly realized that his son-in-law was running a resort.

"You're still short of money?"

Jiang Yuanshan immediately chimed in, "I can support you, but you'll have to give me shares proportionally, registered under Fanfan's name."

"President Jiang, you're all family. Shares and such are fine as a token."

Bu Zhihao quickly spoke up, saying that with Jiang Yuanshan's strength, he could easily fill the remaining wallet, but if he were to make a move, what would the bank have to do with it?

"Dad, how could I possibly ask for such an exorbitant amount?"

Luo Yang, ever the opportunist, followed up by saying, "If you put up ten or twenty million, I'll give Fanfan 30% of the shares."

"We'll take care of the rest!"

Before Jiang Yuanshan could even speak, Bu Zhihao had already taken over the business.

Simple, right?

A loan of tens of millions of dollars was agreed upon by the person in charge of credit just because he mentioned the name of a project at a dinner party, and he wasn't drunk when he said it.

It's not that simple, actually.

It's worth noting that the person who endorsed Luo Yang was Jiang Yuanshan, one of the top bosses in Yang City.

Even without Jiang Yuanshan, Luo Yang's numerous high-quality companies would make obtaining a loan much easier.

"Old Xue, I told you this dinner should be on me, but you insisted on having it here."

Seeing how quickly Luo Yang and Bu Zhihao had become friends and even verbally closed a loan deal, Jiang Yuanshan immediately chuckled and teased Xue Jun, "So you had already anticipated that my son-in-law would bring business tonight, which is why you're being so enthusiastic. Looks like I'll have to drink a lot more tonight to make some money back."

As he spoke, he picked up the small wine cup in his hand and downed two qian of Moutai in one gulp.

"Hahaha"

Xue Jun also picked up a wine cup and drank with him. After finishing his drink, he jokingly said with a smile, "Are you worried that I don't have enough wine for you? There's plenty tonight!"

"Oh dear, if I had known you were planning to drink like this, I would have had someone bring up an extra case from the warehouse."

Hua Xuanxuan, who was in charge of administration, also joined in the fun: "I'll go tell the cafeteria later to ask the chef to add a couple more dishes so we can enjoy our drinks tonight."

While they were joking around, Bu Zhihao had already added Luo Yang on WeChat.

"Old Jiang, judging from your expression just now, you were also surprised, weren't you?"

Xue Jun and Jiang Yuanshan sat side by side, and Xue Jun took the opportunity to turn to them and say, "Your son-in-law is very good at handling things."

"More than just good at getting things done."

Jiang Yuanshan sighed, "Being too outstanding isn't good either!"

"tsk"

Xue Jun glared at him and said, "If you keep showing off like this, I'll make sure you go home in bed tonight."

"You think I'm showing off on purpose?"

After taking a deep drag of his cigarette, Jiang Yuanshan said, "When he was dating my daughter, his family was just an ordinary family. In fact, after three years, they almost went bankrupt. I thought this guy was going to be a live-in son-in-law. But I never expected that he would start from scratch and build up his assets in just three years, which were no less than mine. With a son-in-law like that, can you believe how frustrated I am?"

"Pah!"

Xue Jun spat at Lao Jiang: "Isn't this showing off? I also have a daughter who's a sophomore in college this year. If you don't want this son-in-law, you can give him to me."

"Eh?"

Jiang Yuanshan immediately objected: "The young couple is already planning to get their marriage certificate, what are you meddling in for?"

"It seems we really are going to become a family."

Xue Jun glanced at Luo Yang, who was chatting with Bu Zhihao, and then said, "Old Jiang, are you planning to pave the way for your son-in-law? You're in your prime, what, are you already planning to hand over the reins?"

He misunderstood the meaning behind Jiang Yuanshan bringing Luo Yang to the dinner.

"What shift handover?"

Old Jiang paused for a moment, then explained, "It's nothing. I just brought him out to expand his network. Don't be fooled by my son-in-law's wealth; he rose to prominence too quickly and doesn't really have any connections outside the family. I'm helping him fill that gap."

How could Yuanfan Group be handed over to his son-in-law?

It is to be handed directly to the grandson surnamed Jiang.

"Yes, that is indeed his weakness."

Xue Jun also agreed with Jiang Yuanshan: "Studying at university while starting a business...tsk, it's unbelievable. You really managed to find such luck. Why didn't my Xiaofei have this kind of luck?"

Just as Jiang Yuanshan was about to respond to Xue Jun, the atmosphere at the dinner table changed again.

This change came from Yu Qingwan.

In her view, the most likely benefit she could get from Luo Yang was private banking services, since wealthy people always need high-quality services, as well as asset management and appreciation.

There are more options outside, but in a small fourth- or fifth-tier city like Yangshi, the Big Four banks are the first choice.

But to everyone's surprise, it was the department that had the most difficulty that got the business.

Seeing Bu Zhihao chatting enthusiastically with Luo Yang, Yu Qingwan felt that Bu was being unreasonable.

They've already gotten all the benefits, yet they still won't let go.

Shouldn't we leave some opportunities for other departments?

Can't wait any longer.

If we wait any longer, the duck that's already in our hands will fly away.
(End of this chapter)