Wang Xiaomeng, a reporter from Qianlong TV, almost bit her tongue. She was frightened by Hui Hongfang's words.
Today, the TV station received a report from the public that there will be a bank run at Qianlong Commercial Bank today and the bank may go bankrupt.
She is here to report the big news!
If this is true, Qianlong Commercial Bank will be the first local bank to go bankrupt!
Banks will also go bankrupt, such news will definitely cause a sensation!
She had already visited the business hall. There was a long queue with citizens waiting anxiously to withdraw money. The counters of commercial banks were fully open and the atmosphere was really tense.
Depositors are the foundation for banks!
But Hui Hongfang's attitude is simply contempt for current depositors!
"Manager Hui, did I hear it wrong?" Wang Xiaomeng asked. She wanted to confirm it again and even had some doubts about whether the young girl in front of her was a bank manager. What she said sounded completely unprofessional.
"No, that's what you heard!" Hui Hongfang said, "According to the board's arrangement for the bank, Qianlong Commercial Bank will only serve a small number of private clients in the future. Our main business will be commercial investment, corporate loans, and corporate depositors. The existence of those small depositors now actually takes up a lot of our manpower, which is a bit uneconomical!"
"You mean, the existence of those small private depositors wastes the bank's manpower!"
"That's right!" Hui Hongfang looked at Wang Xiaomeng, her expression apologetic. "We'll only serve the wealthy in the future. Qianlong's bank cards will be made of platinum and gold, and only about a thousand will be issued annually. These cards will come with many value-added services. Our benchmark is the American Express Black Card."
Wang Xiaomeng suddenly felt a little excited, and her scalp felt tingling. He naturally knew about the black card because she went to college in a big city and it was a symbol of status among the rich.
"The standards for a black card are very high. Can they be achieved?"
"It's happening!" Hui Hongfang smiled. "Our future customers will mainly be business people, so my first step is to start cooperating with the local transportation system. We've already signed contracts with airlines at the local airport. If you become a customer of our bank, you will automatically become a VIP customer of those airlines. Bank card holders can board the plane directly through the VIP channel without having to buy a ticket. You can freely take classes with all airlines at the local airport!"
"For business people, time is money!" Hui Hongfang said. "We're still in talks with some high-end local restaurants, but everyone's very interested, so signing a contract isn't a problem."
It's a good thing for both parties to cooperate. With the bank's endorsement, these cardholders are wealthy, high-quality consumers. We are just giving them some privileges and preferential treatments. In the end, they still have to pay for the meal. Why is the local catering industry unwilling to cooperate?
"We've already started a large-scale recruitment drive, primarily targeting these high-quality clients!" Hui Hongfang said, "The average salary starts at 3,000 per person. These cardholders will have their own professional butler-style service!"
Wang Xiaomeng was stunned and her heart was pounding!
She suddenly wanted to have a card like this, but after thinking about it, she felt that it was not realistic because such a card must be very expensive.
"A platinum card like this, the fee..."
"One million annual fee!" Hui Hongfang said.
Wang Xiaomeng covered his heart with his hands, damn, it was too cruel. He didn’t even ask if anyone would use such a card!
Just because she can’t afford it doesn’t mean others can’t!
There are still a lot of rich people in the local area, and those bosses just like to save face. What could be more face-saving than taking out a card that no one else has when paying the bill?
This is an era when the business card business is booming. Why? Because everyone likes to save face!
From now on, the Platinum Card is a face!
Hui Hongfang smiled and said, "Don't be surprised, it's actually quite normal, right? We already have over thirty customers, and the number of new customers per year will not exceed one thousand in the future."
So I really don't care about the small savers.
More than 30 customers bring the bank 30 million in revenue every year, and they can earn that much without doing anything.
These people’s money is the foundation of the bank!
Wang Xiaomeng nodded. "So there's no bank run at all, right?"
"We have tens of billions of dollars on our books. How could there possibly be a bank run?" Hui Hongfang said with a smile. "Of course, the bank doesn't have much cash right now, but we can transfer it from other banks. We'll probably lose tens of millions of dollars in savings today, but that's a good thing for us."
Wang Xiaomeng sighed inwardly. She knew that the reporting call was bullshit. Commercial banks were not short of money but too rich. They simply looked down on those small depositors!
"Our newspaper has a good influence locally. Manager Hui, does your bank need advertising?" Wang Xiaomeng smiled awkwardly.
Print media are having a hard time now. Online portals provide faster and more news, which has taken away their living space, but newspapers need advertising.
She also has the task of promoting advertising. "I think your bank's model should be reported vigorously so that more bosses can see it!"
"That's not a problem!" Hui Hongfang said, "How about this: we'll run the ads, and we'll subscribe to your newspaper for all of our clients. But there's one request: if your newspaper contains negative news about our bank clients, I need you to keep us informed and suppress it if possible. If you agree, we can have a long-term partnership."
This matter is too big for Wang Xiaomeng to make the decision!
"I need to contact our editor-in-chief!"
She immediately contacted the editor-in-chief and introduced the situation. Hui Hongfang personally talked to the other party and quickly established a cooperation framework.
Millions of dollars in advertising fees a year can be exchanged for public opinion protection for customers, which is totally worth it.
Outside the bank, several people stood at the door, looking at the long line of customers inside, and their expressions became uglier and uglier as they watched.
"That's all Mr. Guan is talking about?"
Guan Longhe and several bosses came specially to watch the fun. Chen Chen forced them to buy the shares they had, and they felt uncomfortable. Guan Longhe went to report it and brought people to see how ugly Chen Chen's face would be.
But Chen Chen didn't show up at all. Hui Hongfang just came over, took a look, and asked someone to open all the windows to handle business for everyone, and then left.
There was no such thing as a crazy bank run.
Guan Longhe felt embarrassed. "That shouldn't be the case. We all know the financial situation of commercial banks. How can they possibly handle so many people withdrawing money? There must be over 500 people here, and the other branches are probably about the same!"
“But I just resisted!”
It’s not that we can hold on, but that nothing will happen. The people they called to cause trouble won’t even have a chance to cause trouble!
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