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

Chapter 764 That Kind of Secretary
After the dinner, Dong Xuan followed Luo Yang back to Tomson Riviera.

"Are you satisfied with the arrangements I made for today, Mr. Luo?"

Looking at Cong Shanshan and Chu Weiwei, who had already changed into their nightgowns and were opening champagne in the living room, Luo Yang couldn't tell for a moment whether this arrangement referred to Zhou Nanjiang or the two girls.

"I'm satisfied with everything."

Having obtained what he wanted, and gaining an advantage in the crucial negotiations for the acquisition of the headquarters building, Luo Yang was in a good mood.

"I'm going to take a shower. Let these two little girls serve me first."

As if she were back in her own home, Dong Xuan felt no sense of unfamiliarity.

As she spoke, she walked towards the guest bedroom, leaving her long dress on the living room floor along the way.

What have you been busy with lately?

Luo Yang hadn't seen Cong Shanshan and Chu Weiwei for a while, mainly because he had been visiting Tomson Riviera less often and had been quite busy recently, so he had almost forgotten about them.

Of course, this is something I'm too embarrassed to say.

"What can lowly nobody like us possibly do?"

Although Cong Shanshan harbored some resentment, she dared not show it in front of Luo Yang. She could only pout and say, "I work during the day, run business, and after get off work I watch dramas with Weiwei at home. Occasionally we go out shopping. I repeat the same routine week after week."

"Is that right?"

Luo Yang smiled and looked at Chu Weiwei: "You are my personal service manager, shouldn't you be busy with things around me? In the past few days, I have hardly used my personal account, and you haven't contacted me for any business. Tell me, what exactly have you been busy with?"

"I'll rack my brains to figure out how to make your money grow."

Unlike Cong Shanshan, Chu Weiwei wasn't afraid of Luo Yang. She knelt down beside the sofa, massaging Luo Yang's thighs while jokingly saying, "I always want to earn more so I can curry favor with you and gain your favor. I made a small fortune recently, and tonight I've been summoned by you."

Wow, that's some serious teasing.

"Really."

Luo Yang reached out and grabbed her chin: "Tell me, how much money have you made for me lately?"

Bank wealth management products are actually quite similar to fund products. They both use customers' money to generate more money and then provide a certain return. However, this return has an upper limit. No matter how much is earned, the portion exceeding the upper limit is not related to the customer who provided the funds.

"Anyway, there are a lot."

Chu Weiwei gave a vague response.

She was merely Luo Yang's personal asset manager, and had nothing to do with asset management at all; she was just joking.

If you asked her to tell you how much she earned, she honestly wouldn't know.

"That's it"

Luo Yang didn't expose her, but let it go gently, turning to Cong Shanshan and saying, "As a senior business manager, you seem quite relaxed. It seems that Ningbo Bank's business in Shanghai isn't doing very well."

"It wasn't very good to begin with."

While pouring Luo Yang a drink, Cong Shanshan replied with a wry smile, "The financial market in Shanghai is mostly dominated by the four major banks and other banks like Pudong Development Bank, China Merchants Bank, Huaxia Bank, and CITIC Bank. Even the leftover scraps have to be fought over with banks like Guangfa Bank, Jiangsu Bank, and Zhejiang Commercial Bank. For small fry like me, without the support of a big boss, all I can do is maintain relationships with old clients and occasionally close one or two small deals each month."

She was lucky to be able to get involved with Luo Yang at the very beginning of his business, and this entrepreneur rose to prominence so quickly, expanding from nothing to a group company worth tens of billions in less than three years.

In the past two years, the business that Luo Yang gave her alone has been enough to make her live a full life.

The so-called maintenance of old customers mostly involves the Ling Shi Gong Group and its subsidiaries, so she doesn't need to spend too much energy on it.

"Is the competition really that fierce?"

Luo Yang stroked his chin, unable to help but think about the commercial bank he would eventually establish.

If things are really as difficult as Cong Shanshan described, then for a period of time, banks will only be able to rely on their own group's business to provide financial support.

"Mmm, it was very intense."

Chu Weiwei, who was on the other side, stopped her massage and looked up at Luo Yang, saying, "Leaving aside the acquisition of the headquarters building, which involves loans of billions, even if any of your subsidiaries wanted to borrow tens of millions or hundreds of millions, as long as they had connections, leaders like Dong Xing would be at the forefront, pulling strings everywhere, and even personally making appearances."

At this point, she kissed Cong Shanshan.

"Sister Shanshan and I are only fit to massage your legs and be your maids!"

"gab."

Luo Yang shook his head in disbelief: "I remember Kunpeng Technology took out a loan of 1 million yuan in March or April, and even asked district leaders for help. This kind of thing is mutually beneficial with banks. It's not as bad as you say."

"Mr. Luo, your loan is supposed to be interest-free, how can it be treated the same as a normal commercial loan?"

Cong Shanshan pouted and said, "Do you remember when Jiang Xiaobai wanted to get a 5000 million loan? Even though he knew the chances were slim, Dong Xing still went to your office to try and get it done. It was only because you delegated the authority to the branch company that the deal fell through."

"I remember this."

Hearing this, Luo Yang remembered it.

"It's only because Dong Xing was considering your feelings at the time. If it were anyone else, they would definitely keep pestering you." Cong Shanshan continued to ramble on; "Let's not even talk about the industry rules. They won't give up until they treat you to a couple of drinks and use their charms to seduce you a few times."

Gee.
"Why have I never been a victim of a honey trap?"

Luo Yang stroked his chin and muttered something longingly.

"How not?"

Chu Weiwei looked at Luo Yang with her bright eyes and pointed to her nose: "Aren't I one?"

Luo Yang: "."

"Oh right, you mentioned industry rules earlier, what are those?"

His face flushed red, and Luo Yang quickly changed the subject.

"Hehe, Mr. Luo doesn't even know this."

Chu Weiwei blinked her eyes, glanced at Cong Shanshan, and seeing that she didn't stop her, continued, "It's about getting rebates on loan business."

"?"

Luo Yang was stunned for a moment.

He really didn't know what that thing was.

"Explain it?"

"It's not complicated."

Chu Weiwei explained directly, "Commercial loans have interest rates, but the interest rate negotiated for each loan will not be the same. Of course, this difference refers to the fact that it fluctuates around the industry average interest rate at the time, with some rates higher and some lower."

Luo Yang listened very carefully.

According to Chu Weiwei, at a certain point in time, the national banking system's interest rate for commercial loans was between 6.1% and 6.3%. However, in actual commercial operations, the loan interest rate could be negotiated down to 6.0%, 5.95%, or even 6.3%, or even higher than the benchmark figure of 6.3%.

It depends on the specific case. Some loan companies may not have sufficient credit or collateral, so the risk of the loan is relatively high, and the interest rate may exceed the average rate. However, some companies' loans are considered high-quality loans, so the interest rate is often lower than the average level when negotiating.

Regardless of whether the interest rate is higher or lower than the average, the loan business will give a rebate to the relevant business personnel on the interest rate.

Of course, this rebate cannot be high; it could range from a few per thousand to a few per ten thousand.

Don't underestimate rebates of a few per thousand or a few per ten thousand, because corporate loans often involve tens of millions, hundreds of millions, or even billions of yuan.

For example, the acquisition of the headquarters building alone involves debt restructuring of over 3 billion yuan, and the interest needs to be renegotiated. Even if the rebate involved is only a few ten-thousandths, the resulting figure is not small.

"So this is ah."

After understanding, Luo Yang muttered something to himself, then smiled a moment later: "Every industry has its internal rules. As a boss, if you insist on breaking the established rules, then others will recoup their losses elsewhere. That's human nature, and there's no way to avoid it, so it's better to stay out of the open."

Just like in hospitals, many doctors are actually unwilling to accept red envelopes, but they feel uneasy if patients' families don't give them.

I forced it in, and I felt good about it afterward.

This is a dilemma. From the hospital's perspective, this phenomenon should be cracked down on, but from the perspective of the patient's family, they hope to gain psychological comfort through this behavior.

Zhou Yu beats Huang Gai; one is willing to hit, and the other is willing to be hit. What to do?
So most of the time, we just turn a blind eye.

Luo Yang also has this way of thinking, which is why he didn't react much after listening.

Just like when he was working part-time at the real estate company, especially during his time as marketing director, all sorts of people offered him kickbacks, even beautiful women, afraid he wouldn't accept them.
"It must be so wonderful to be Mr. Luo's subordinate."

Seeing Luo Yang's reaction, Cong Shanshan couldn't help but exclaim, "When are you going to set up your bank? I'm really looking forward to working for you."

Eh?
Chu Weiwei looked at Cong Shanshan with a puzzled expression, then looked up at Luo Yang.

"What are you talking about? I don't understand."

She asked, looking puzzled, "What bank?"

Cong Shanshan then stuck out her tongue.

She accidentally let it slip. Although Chu Weiwei was also with Luo Yang, she didn't dare tell the little girl directly, but instead glanced at Luo Yang first.

"It's nothing, I'm planning to acquire a commercial bank."

Luo Yang reached out and touched Chu Weiwei's long hair; "If you're willing, you can come and work at my bank."

"Okay, okay!"

Chu Weiwei's eyes lit up, and she happily said, "I want to be your secretary!"

As she spoke, she curled her pink tongue slightly: "You know, that kind of secretary."

(End of this chapter)