Chapter 143: Banks’ own hidden rules
At this time, Yin Lianyi was holding a pile of information and was about to vomit blood in the industrial area.
She originally thought that working in a bank would be just like the workplace elite dramas shown on TV, wearing high-end work clothes, holding a cup of coffee, and chatting about financial news with colleagues Agatha, Becky, and Charles.
Then you can easily earn tens of thousands of yuan a month. If you are transferred to some key departments, an annual salary of one million yuan is nothing.
But after entering the bank, she found that the uniforms were all custom-made, but the sizes might not fit her, so she had to alter them herself.
The senior office work had nothing to do with a new employee like her.
When a young employee works at a bank, he or she either sits at the counter or goes out to do business, such as deposit tasks, loan tasks, credit card tasks, financial management recommendation tasks, insurance recommendation tasks, etc.
Anyway, there are always endless KPIs to complete every day.
If you fail to complete the task, your salary will be ruthlessly deducted. With only three to four thousand yuan left, the small employees in Huadu can hardly even afford to rent a house and eat.
What gives Yin Lianyi the most headache is not the unfulfilled KPIs and the low salary, but the unspoken rules in the workplace.
She originally thought that there was a group of male classmates with excess hormones in school, and that after getting a job she could stay away from these guys and live a quiet life.
But after arriving at the bank, she found out that there were still many new dogs, but there were also intentional or unintentional hints, or even explicit suggestions, from the male leaders.
If a beautiful female employee asks to accompany her leader to a drinking party today and you agree, the leader may ask you to go on a business trip tomorrow, and may ask you to go to the office for a talk the day after tomorrow.
Yin Lianyi has been known as "Little Liu Yifei" since she was a child. Naturally, she is the main target of male colleagues and the main target of male leaders.
Yes, it's hunting.
The male leaders treated the beautiful female employees in the bank as their own harem.
Otherwise, why was the president of a bank in Shanghai arrested for having more than 30 mistresses inside the bank? This was just the tip of the iceberg, and he was later arrested for power-for-money transactions.
There are also many female employees who are forced and coerced and have to swallow their anger for the sake of their reputation and not be exposed. This is not an isolated phenomenon, but a universal unspoken rule.
Of course there are also innocent ones, for example, you are ugly, or your father is...
There are also some female employees who do not understand the situation and are self-righteous and will never compromise, such as Yin Lianyi.
Yin Lianyi, who just graduated, is of course ambitious, but her original family is not short of money, and she does not have a strong desire for money, which also gives her the confidence to say NO when facing workplace harassment.
I feel confident enough, but unfortunately my career is not always smooth sailing, so today my leader assigned me another task to go on site to verify whether the factory address where I opened the account is real.
This type of assessment does not involve any technical content. A company comes to open an account and has a registered address. Bank employees go to take a look and see, "Oh, this is a factory, this is an office space." As long as they are sure that it is not a shell company, then it's OK.
But such a job that requires no technical skills and does not increase performance appraisal is now assigned to a delicate beauty like Yin Lianyi. Anyone with a discerning eye can tell that some leaders have bad intentions.
To put it nicely, it's a "test" of you. To put it bluntly, it's asking you to "be smart" and climb up to the leadership position as soon as possible...
When Yin Lianyi received the call, she was hiding in a corner of the factory, enjoying the cool air, and cursing the section chief in her mind.
"Thirteen o'clock, you're pretty quick. Okay, I got it. I'll call the president."
Lin Sanqi was also very happy to see that the order had not been stolen:
"Tell your bank president that we'll meet at Rainbow Place at 6 p.m. I'll treat you tonight."
Yin Lianyi curled her lips. "Thirteen o'clock, you've only been out of school for a few days, and you've already learned the ways of society so well, hehehe."
Lin Sanqi thought to herself, I have tens of millions in profit, let alone treating us to a meal, even if I call you dad a few times, it would be no problem, what do you know as a little girl!
"Stop humming! Be careful of a ruptured nasal membrane or nosebleed. Hurry up and make an appointment with your bank president. I think he must be getting impatient."
President Zheng was indeed getting impatient.
The fourth quarter is coming soon. This is the time when major banks compete fiercely. Anyone who lags behind in business in the fourth quarter will have worked for a year in vain.
So in addition to normal market competition, there is also a lot of competition that cannot be made public.
For example, treating and giving gifts to attract big customers, having bank girls invite the boss to "dinner", spending money to buy deposits, etc. In short, all kinds of tricks are used.
The Tianhe branch of XX Bank where Yin Lianyi works has always been the runner-up, and is always outperformed by another bank.
Banks are typical "result-oriented" banks. The leaders of the leaders value results. Whoever is the first in the year will get all the honors, promotions and wealth, while the second in command can only watch helplessly.
The newly appointed President Zheng is young and enterprising, and he also wants to compete for the top spot.
So he made a big move and prepared to spend a huge amount of money to purchase a batch of Cordyceps sinensis, the boss of Huadu's favorite, to be used as gifts.
After all, such a huge purchase of tens of millions is like a delicious cake. Many people want to take a bite of it, but President Zheng is a greedy person and wants to take away 10% of it by himself.
The key point is that other positions in the bank also need to be taken care of. After distributing money around, if there are not more than ten or twenty points, this order cannot be obtained at all.
Every industry has its own rules, every bank has its own unspoken rules, and the Cordyceps industry also has its own unspoken rules, which is that second-level distributors cannot directly cooperate with banks without going through the third-level distributors in Huadu.
Otherwise, what do third-level dealers make?
But the profit margin of third-tier dealers is less than 20%, and they still have to pay taxes, rent, and other costs. If all of this is disbursed at once, how can the dealers earn anything? Are they selflessly contributing to President Zheng and others?
In addition, first-grade and special-grade Cordyceps are scarce commodities, so there is no shortage of buyers. Therefore, the Cordyceps purchase order of Tianhe Branch suddenly came to a standstill.
President Zheng is already considering it. If it really doesn't work, he can try other health supplements, such as bird's nest, ginseng, fish maw, etc.
Just at this moment, President Zheng received a call from Yin Lianyi.
When the bell rang, President Zheng smiled slightly. This female subordinate was very beautiful, but very disobedient. Even though he hinted at her several times, she would not take the bait.
This actually aroused great interest in President Zheng.
For men, the less likely a fish is to bite, the more tempting and challenging it is. If they can't catch it, they will be so anxious that they will scratch their heads.
Therefore, President Zheng has been testing Yin Lianyi, assigning her many extra work tasks, and even giving her the task of purchasing expensive gifts such as Cordyceps. This is what is called "staying up all night."
Some might ask, "How could President Zheng be so bold? Yin Lianyi wasn't even his confidant, yet he dared to let his subordinates know about such a private matter as taking kickbacks? Isn't he afraid of being reported?"
President Zheng is really not afraid.
Putting aside the fact that kickbacks are an unspoken rule within the industry, what bank purchase is without some ulterior motive? Could the higher-ups even investigate?
Even if he was reported, so what? He was in the financial industry, so he naturally had ways to make money.
The money will not be given to him at that time. It will be transferred to an unknown account. Once it is transferred in, it will be automatically dispersed to countless small accounts, and then transferred from abroad or Hong Kong, and no one will be able to check it.
Those who deal in finance are bold enough and have dirty hearts.
"Hello, is this Xiao Yin? What's going on?"
Yin Lianyi felt a chill when she heard the greasy man's voice, but she still said respectfully:
"President Zheng, the cordyceps procurement mission you assigned me last time has already been filled. It's from the Huadu Lingnan Hall, and they happen to have a batch of first-rate cordyceps."
"Lingnan Hall?" President Zheng thought about it and seemed to have no impression, but he didn't care.
"Okay, then let's have them come to the bank sometime. I need to check the quality of the Cordyceps. We're going to give it to our big clients, so we can't be careless."
Yin Lianyi took a deep breath and continued in a low voice:
"Mr. Xiaolin of Lingnan Hall said he wants to invite you to dinner at Rainbow Square tonight. I wonder if President Zheng is free tonight."
President Zheng thought to himself that Yin Lianyi usually never attended dinners or drinking parties, but since she was the one who set her up this time, she had to attend, right? What a great opportunity to bring her down.
"Okay, then we'll meet at 6pm. Xiao Yin, you, the middleman, can't be absent then."
Yin Lianyi rolled her eyes, but replied respectfully, "Okay, no problem."
The little girl thought that since her old classmate Lin Sanqi was treating her to a party that evening, nothing would happen to her. Although the two had been fighting in school for more than ten years, they still trusted each other on major issues.
6pm, Rainbow Square.
This is a famous seafood restaurant in Huadu. It is decorated magnificently. The crystal chandelier in the lobby alone is so bright that it blinds Lin Sanqi's eyes.
Lin Sanqi had already circled around the crystal chandelier several times, making clicking sounds.
Seeing Lin Sanqi's inexperienced look, Yin Lianyi felt that she had lost all her face and quickly grabbed her old classmate:
"Alright, alright, you're such a fool! What's so good about a lamp? I'm telling you, when President Zheng comes here soon, you have to cover for me."
Lin Sanqi's mind was full of question marks. He turned around and looked at Yin Lianyi:
"That's not right. Shouldn't you be covering for me? Your bank president is coming soon, and you should put in a few good words for me to get the order."
"Idiot, it's because our bank president is here that I asked you to cover for me. You had to pretend to be my boyfriend at the critical moment to prevent that guy from constantly targeting me."
Lin Sanqi thought to herself, beautiful women are indeed troublemakers, and they are prone to causing trouble wherever they go. If her classmates had not known for more than ten years that she was a gentle on the outside but strong on the inside, a chaste and heroic woman, she would have been easily mistaken for a green tea girl.
"Pretending to be your boyfriend, um, what good does that do me? How about I kiss my brother first and take the interest."
Yin Lianyi stepped on Lin Sanqi's instep: "Little thief, do you want to die?"
"Ah, it hurts, it hurts, there are so many people watching, you idiot..."
At this time, a voice sounded from behind: "Xiao Yin, what are you doing?"
(End of this chapter)
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