Director Jiang, formerly the deposit manager of the branch, enjoyed drinking and playing mahjong. He was also said to have a record of repairing the Great Wall for 36 consecutive hours.

Li Cheng, Meng Jianghong, and Zhang Dahe agreed not to report their suspicions to President Hou for the time being, but to contact Director Jiang first.

The highway engineering company was the deposit department's largest client at the time. Its presence or absence directly affected the performance of the deposit department and the income of all branch owners.

President Hou would definitely not want to see such a loss of customers, and neither would anyone in the branch.

But Li Cheng thought that if the tycoon left, he should just leave. Why bother asking them to leave? It was obvious that they were leaving because the bank that had poached them had offered them better conditions.

Li Cheng and his friends were well aware of this better condition, which was the so-called deposit incentive.

This deposit incentive is called many things, such as reward, fundraising fee, and the easiest one to understand is called "benefit fee".

Li Cheng asked Meng Jianghong, and found out that the deposit department of the engineering company had always given them "benefits" at a rate of 0.02%.

This amount of money is not a small sum in a year, and Meng Jianghong and her colleagues rely on this money to maintain many of their clients.

However, in recent years, this expense has been increasing because of fierce competition. If you pay 0.2%, I will give you 0.3%. In this way, the kickbacks have increased and become an open secret in the bank.

It has even become a means for many people to make money.

The happiest people are the wealthy. They rely on their vast sums of money to manipulate multiple banks. And they, on the other hand, take the highest bid and reap the benefits.

In Li Cheng's opinion, this was something he had to do.

Banks survive by lending money, but if you want to lend money, you must have money in hand, right?

Even if you have money, you can't lend it all out because there's something called a deposit reserve, which is retained in proportion.

That is to say, if you have 100 yuan in your hand, you may only be able to lend out 70 yuan, or even less.

Therefore, if you want to make more money, you need to lend more. If you want to lend more, you need to have more deposits.

President Gao once said, "There are only two key areas for a bank: deposits and security."

He said this when he was guarding the leader of the higher-level security department.

He also said, "There are only two key areas in banks: deposits and credit."

This is what he said to the leader of the credit department.

Of course, he also believed what the leader of a certain department said: "There are only two key places in a bank, one is deposits, and the other is something."

Although President Gao's words were just polite remarks, one thing is certain: he knows the key part of a bank, which is that there must be deposits.

A bank cannot be called a bank if it has no deposits.

With this said, you can imagine how powerful those wealthy investors are in front of the banks!

Now, the rich man is about to leave, but Li Cheng is not in a hurry. Meng Jianghong feels that Li Cheng is still not good at his business!

"Li Cheng, even if Director Jiang tells the truth, do we still have a chance to win back the engineering company?"

Li Cheng didn't even think about it and shook his head and said, "Given our current conditions, it's almost impossible to bring them back."

Meng Jianghong thought so too. The deposit incentive on her side has always been controlled at 0.2%, and the branch will definitely not give out more money.

The branch’s spirit in this regard has always been that money is only one of the means to win them over, and the most important thing is to establish an unbreakable relationship with them.

This method of not willing to spend more money and relying on emotions to make up for it is called "generating electricity with love" by Meng Jianghong.

But that's not necessarily the case. If this wealthy client is really important to the branch, President Hou might offer a little more money to retain them.

After Meng Jianghong expressed her thoughts, Li Chengze said, "What if someone else offers a higher commission than us? Should we continue to increase the commission percentage?"

Meng Jianghong thought to herself that this was obviously not going to work. If yours is high, then so am I. In the end, everyone will suffer, and the rich will profit.

Li Cheng added, "The highway engineering company's deposits can reach tens of millions per day, making them a very good client. However, if they want to take advantage of this and raise prices, we can't let them do that."

Meng Jianghong said with a worried look on her face, "What can we do if we don't spoil them? We don't have anything else to make them choose us."

Li Chengxin said yes, the business capabilities of various banks are similar. For these tycoons, it just depends on which bank pays the most.

The unspoken rules of this industry will ultimately harm yourself.

While Li Cheng was thinking about his worries, the car had already stopped downstairs of Director Jiang's house.

Li Cheng looked outside and said, "Yesterday, I called Mr. Li while he was waiting for me, but he hung up without saying a word. So, I'm sure this matter is related to him."

Meng Jianghong felt that Director Jiang had just retired and was her former director, so she said, "Let Dahe and I go up. After all, once you show up, it seems like you're representing President Hou to bring charges."

Li Cheng thought about it and realized that he had used President Hou's name to scare him yesterday.

After Meng Jianghong and Zhang Dahe went upstairs, Li Cheng had nothing to do, so he got out of the car and strolled around the yard.

This yard is the newly built dormitory. President Hou and Zhang Dahe's parents live in this yard.

Li Cheng looked at the courtyard, which looked new in every way, and thought that this place was much better than the other dormitories.

However, Li Cheng believes that in a few years, those old dormitories will be better than here.

Housing reform is coming soon. Once it happens, all these dormitories, whether old or new, will become private property. And with that, the public housing that has existed for decades will disappear.

With the disappearance of public housing, people have only one way to live, which is to buy commercial housing.

The booming real estate era is about to arrive, and when that time comes, the role of banks will become even more important. It can even be said that without the participation of banks, the real estate era will not arrive.

And the big dogs are still the big dogs. As long as the banks exist, they can bargain.

Just as he was thinking about it, Li Cheng's cell phone suddenly rang------

"Li Cheng, Director Jiang wants you to come up."

After asking for the floor and room number, Li Cheng walked towards the stairs.

Director Jiang asked me to come up. I guess he was scared by the phone call I gave him last night.

If this is the case, the traitor must be Director Jiang.

Director Jiang lived on the third floor. Li Cheng thought to himself that based on Director Jiang's years of work and his position before retirement, he definitely wouldn't be able to get the third floor.

This old man, I guess, has taken advantage of Director Jiang again.

While thinking about this, Li Cheng had already arrived at the third floor------