Financial freedom starts with the daily intelligence system!

Pingchang District, Beijing.

The office of the deputy branch manager of the Industrial and Commercial Bank of China (ICBC) Longze Branch.

"Xiao Fang, this is a very rare opportunity. I hope you can seize it."

"It's not actually that difficult to meet the monthly targets."

"If all else fails, ask your friends and family for help; that should be enough to cover part of the cost."

"As long as you meet the requirements for three consecutive months, you can be transferred to the financial management department."

"You should know that the salaries of your colleagues in the financial department are much higher than those in your service department."

"Work hard, I believe in you."

Vice President Ren Jianjun looked at Fang Qi standing in front of his desk and smiled kindly.

Ren Jianjun's daughter is about the same age as Fang Qi, but she has already moved abroad for the Chinese New Year and can only stay in China for a few days throughout the year.

Fang Qi has been working at this branch for over two months now, and she has been doing a great job, being diligent and responsible.

Ren Jianjun saw all of this, which is why he was willing to help this girl.

Of course, he gave Fang Qi the opportunity, but whether Fang Qi can seize it depends on her own abilities.

At the Longze branch, the base salary in the wealth management department is 7000 yuan per month, with a performance-based commission of 1.5%.

To meet the target, a monthly sales volume of at least 60 is required.

In other words, at least 60 yuan worth of financial products must be sold each month to meet the department's minimum requirements.

If the target is not met for two consecutive months, a portion of the bonus and performance pay will be deducted.

If you fail to meet the standards for three consecutive months, it means your business skills do not meet the department's requirements, and you will be transferred to another department.

Fang Qi is now able to intern in the financial department because an employee who failed to meet the standards for three consecutive months was transferred to another department.

"Thank you, President Ren, for giving me this opportunity. I will definitely work hard and strive to live up to your expectations!"

Fang Qi knew this was a rare opportunity and thanked Ren Jianjun sincerely.

but……

Just thinking about the monthly target of 60.

Fang Qi was overjoyed, but also felt an unbearable headache.

In some online novels featuring characters with enormous wealth, 60 yuan isn't even enough for the protagonist to buy a watch or a car.

However, in reality, selling 60 yuan worth of financial products every month is quite difficult!
Due to various historical reasons.

When people talk about bank wealth management products, they think of them as scams designed to swindle elderly people out of their retirement savings, and they consider them unreliable.

Ordinary people have little concept of financial management and are unwilling to take risks, so most of them deposit their money in banks to earn interest.

The interest rates on large-denomination certificates of deposit from savings departments are quite good, and it's a sure thing with no risk involved.

Wouldn't it be better to buy large-denomination certificates of deposit?

Why would you take the risk of buying your financial products?

Therefore, it's really difficult to complete the department's sales targets without having a few high-net-worth clients or friends and relatives around you.

Some financial managers are even willing to sell their bodies in order to meet their monthly targets.

Everyone secretly knows that one of the top sales performers at the Longze branch has shady relationships with several clients.

Fang Qi stayed in Ren Jianjun's office until around 10 o'clock before leaving and returning to her new office.

Sitting down at her new workstation, Fang Qi took out a stack of documents and began to familiarize herself with several financial products that her department was selling.

These products have risk levels ranging from R1 to R5.

These correspond to the cautious, conservative, balanced, enterprising, and aggressive types, respectively.

The lower the risk of a financial product, the lower the return, and the lower the commission Fang Qi can receive.

The higher the risk of the financial product, the higher the return, and the higher the commission Fang Qi can receive.

As a veteran employee who has worked at the bank for six or seven years, Fang Qi is also familiar with the tricks of bank wealth management products.

The returns advertised on these wealth management products are much higher than those of fixed deposits, but these are all estimated, idealized returns.

Ultimately, the actual return depends on the profit received.

A financial product advertises an annualized return between 4% and 7%.

The final amount you actually receive might be only 2%, or even lower!
There is also a very small chance of negative returns, that is, losing money.

Although this situation is rare, no one can guarantee that they will not lose money.

Even those financial products that tout their stability still carry the risk of loss.

"Sales of 60..."

"It's best not to touch your parents' retirement savings if you can avoid it."

Even Fang Qi wasn't entirely confident in her own bank's wealth management products.

Her parents have always kept their savings in large 5-year fixed-term deposit certificates, and this is only the third year.

If I were to withdraw that money to boost my own performance, the loss would be quite significant.

In the first half of the month, Fang Qi still preferred to complete her sales target through her own efforts.

If I want to stay in this department for a long time, I can't rely on my parents' help all the time, can I?
Suddenly, Fang Qi recalled the image of her cousin-in-law who had come to the bank to conduct business yesterday.

"That guy from Lily's family seems really capable!"

"If only I could get some business from him..."

Fang Qi's eyes lit up when she thought of the LV casual outfit Jiang Tao wore when he came yesterday.

After Jiang Tao left yesterday, Fang Qi secretly searched for the same outfit Jiang Tao wore on her phone.

A set of clothes and shoes costs more than 5 yuan!
The money an average person saves in a year of working isn't even enough to buy that outfit.

Jiang Tao is the most typical high-net-worth individual within the banking system!
but……

Upon further reflection, Fang Qi felt a little guilty.

She was only close to Xu Li when she was a child.

As they grew up, one lived in the countryside and the other in Beijing, separated by vast distances.

Xu Li devotes most of her time and energy to her daughter Jiang Xue, busy with childcare.

Fang Qi's energy is also focused on work and entertainment.

The two had less and less contact, and their relationship was far less close than it had been when they were children.

But after all, they've been sisters for many years, so their relationship is definitely better than that between ordinary people.

"Find an opportunity to visit my cousin Lily and her family; we need to maintain this relationship."

Jingle Bell--

Just as Fang Qi was thinking about rekindling her relationship with her cousin Xu Li, her phone, which she had casually placed on the table, rang.

Fang Qi was taken aback when she saw the caller's name displayed on her phone.

"Cousin Lily."

"What a coincidence!"

Fang Qi was stunned for a few seconds after seeing Xu Li's call before picking up the phone and answering.

"Hey Lily, don't you think we're on the same wavelength?"

"I was just thinking of going to your house for dinner tonight when you called."

"Hehe, it's been a while since we last saw each other, I missed you~"

"No, I'm an older single woman, I probably won't get married in my lifetime."

"I'm prepared to grow old alone. I'm fine on my own. I can eat my fill and have no one else to worry about."

“My parents have already come to terms with it and have stopped pressuring me.”

"The old couple rarely come home these days; since retiring, they've been traveling all over the country visiting tourist destinations." "Okay, okay, then I'll skip lunch today and come over for a big meal tonight!"

"..."

Fang Qi and Xu Li talked on the phone for more than ten minutes before hanging up.

A phone call brought the two of them even closer.

……

East of Xiaoshahe Village.

Jiang Tao and Liu Yuan walked side by side in the fields, talking about the project development.

At this point, a large number of machines and workers have begun to enter the site.

The once overgrown wasteland has begun to resemble arable land.

"The cost of a light steel greenhouse is about 65% higher than that of a regular plastic film greenhouse."

"Mr. Jiang, we've started with something this high-end, what about the funding..."

Liu Yuan looked at Jiang Tao with a mixture of surprise and worry in her eyes.

After listening to her comparison between ordinary plastic film greenhouses and light steel solar greenhouses, Jiang Tao decisively chose the latter.

However, this would require an additional investment of about 65% on top of the original plan, which is not a small amount for this agricultural project.

"You don't need to worry about funding. Just submit a report on how much money you need. We have plenty of funds."

Jiang's Agricultural Development Co., Ltd. is a joint venture between Jiang Tao and Yuan Mengqi.
Yuan Mengqi's 1.8 million yuan exclusive consumption fund can be used.

With hundreds of millions of yuan in reserve funds at his disposal, investing in a project worth 20 to 30 million yuan is no problem for Jiang Tao.

Moreover, this project is indispensable for Jiang Tao.

To mass-produce Jiang's Delicious Barbecue Sauce, the issue of raw materials must be resolved.

Once the raw material issue is resolved, Jiang's Delicious Barbecue Sauce's profitability will be greatly enhanced.

You might break even in a year, or even six months, and the rest is pure profit!

"Mr. Jiang, you're so generous! Since you've said so, I'll go all out and get to work."

Liu Yuan had tried to persuade him as much as she could, but seeing that Jiang Tao insisted on his own opinion, she had no choice but to carry out Jiang Tao's plan.

Jiang Tao continued, "How long do you expect it to take before we can start planting? And how long before we can start harvesting?"

"If all goes well, it is expected to be completed and put into production in 2 months, and the first batch of products can be harvested in about 4 months."

As Liu Yuan walked alongside Jiang Tao, she reported to him her estimated construction period and product delivery time.

Jiang Tao pressed, "Can it go any faster?"

Liu Yuan said, "Currently, this construction period is the most economical. If you want to shorten the construction period, the investment will be about 8% higher."

Jiang Tao: "How much shorter can the construction period be at most?"

Liu Yuan: "To ensure the quality of the project, it can be shortened to about 3 months at most."

Jiang Tao: "3 months...can't it be any faster?"

Liu Yuan nodded: "We can't go any faster, or the quality won't be guaranteed."

"Then three months is fine. The shorter the construction period, the better. It doesn't matter if it costs more money."

After listening to Liu Yuan's report, Jiang Tao did not hesitate to spend money to shorten the construction period.

Compared to the profits from starting production and sales of Jiang's Delicious Barbecue Sauce earlier,
The cost of shortening the construction period is negligible.

Liu Yuan nodded in final agreement:

"Then I'll do as you say! I'll go talk to the construction team in a bit and ask them to bring a few more pieces of equipment to the site."

Jiang Tao said, "I'll leave things to you here. If you need more people, just hire as many as you require."

Liu Yuan smiled and said, "I was just about to tell you about this. I'm really short-handed on my side."

"You don't need to tell me about small things like hiring in the future. Just handle it yourself."

Jiang Tao trusted Liu Yuan a lot and gave her a lot of power.

"By the way, how's the strawberry I gave you coming along?"

After discussing agricultural development, Jiang Tao changed the subject and talked about the strawberries he had previously entrusted to Liu Yuan for cultivation.

According to the system's intelligence, that strawberry was a highly valuable mutated variety.

In the future, once that variety begins to be cultivated and produced on a large scale, it will also generate considerable profits.

When Jiang Tao first acquired that strawberry, he was thinking of selling it directly to the Academy of Agricultural Sciences to make some money.

After all, according to the system's intelligence, the Agricultural Research Institute's offer was as high as several million.

However, after Jiang Tao's assets began to expand rapidly, he started to look down on those few million.

He decided to keep the mutated strawberry for himself to cultivate, and let Liu Yuan develop this new variety.

When this rainbow strawberry is successfully cultivated and mass-produced, it will be available on the market.

With its unique appearance, it could definitely become a signature product of Jiang's Agricultural Company.

At that time, Rainbow Strawberry will also play a significant role in promoting the company's development and publicity.

"All 38 plants are growing very well and are expected to bear fruit in about half a month."

"Mr. Jiang, what's so special about our strawberries?"

So far, Liu Yuan, who is in charge of strawberry cultivation, has not discovered anything special about the strawberries she cultivates.

After all, the plants are still in the growth stage and have not yet started bearing fruit.

They look exactly like regular strawberries, with no difference whatsoever!
Jiang Tao laughed and said, "I'll keep you in suspense for now. You'll know what's so special about it when it bears fruit."

"Alright, I'll be watching!"

Seeing that Jiang Tao was keeping quiet, Liu Yuan pressed him for more information.

She had asked Jiang Tao this question no less than five times, and the answer was always the same.

Her curiosity had already been piqued to a fever pitch by Jiang Tao.

The first thing she does when she gets home from get off work every day is to check on the strawberries she is cultivating.

They take better care of those strawberries than they take care of children.

Jiang Tao and Liu Yuan walked and talked in the fields, and it was already past 10 a.m. when they returned to the roadside where they had parked.

Jingle Bell--

Just as Jiang Tao was about to say goodbye to Liu Yuan and leave, his phone rang again.

He took out his phone and saw that the number displayed was still the same unfamiliar number that he had already hung up on twice.

This time, Jiang Tao answered the call with a simple swipe of his finger.

"Hello, are you Mr. Jiang?"

"I am Ma Jinsong, a top lecturer in action education. We met yesterday."

The moment the call connected, Ma Jinsong's polite voice came from the other end, completely unlike his arrogant demeanor from yesterday.

Who is Ma Jingsong? Have we met before?

Jiang Tao wore a mocking smile, pretending not to recognize Ma Jingsong.

"Ahem, yesterday at Black Bull BBQ we..."

Although Ma Jinsong knew that Jiang Tao was playing a trick on him, he didn't dare to get angry and patiently helped Jiang Tao recall the process of their meeting.

Jiang Tao asked knowingly, "Oh, it's Instructor Ma. What can I do for you?"

"Mr. Jiang, first of all, I sincerely apologize to you for what happened yesterday..."

Ma Jingsong immediately began apologizing without saying a word. (End of Chapter)