Chapter 158

Large customers have always been the target of competition for major banks. After the interest rate war, banks were graded according to their size. Small banks have high interest rates, while large banks have low interest rates. Big banks like Hang Seng have no interest rate advantage.

Therefore, they choose to break out from ordinary citizens and attract customers with high-quality services.

Compared with the arrogance of big banks, Hang Seng's services are more friendly to the people, and they will patiently explain to depositors. Compared with small banks, Hang Seng is safer.

Some of Lin Wei's suggestions have been made by Hang Seng. For example, they would give gifts when depositing money, but the scale was small. Gifts were products used by customers with bad debts to pay off their debts at that time. They would also organize activities to regularly explain financial management knowledge to customers. .

Before the banking crisis, Hang Seng's deposits had already exceeded the 700 million mark. In the second year after the crisis, with the spread of the Hang Seng Index, it quickly exceeded the 1 billion mark.

If Hang Seng does not do well, it will not pose a threat to HSBC.

But HSBC has a natural advantage. On the one hand, it is rich and powerful. On the other hand, they are supported by the Hong Kong government and are a note-issuing bank. They have various preferential policies and can make a lot of money out of the deposits paid by various banks.

"We can promote credit cards among potential customers."

"Credit cards?"

Everyone was stunned when they heard the word.

Lin Wei took out another piece of information from the folder and asked someone to send it to them: "There is not enough information. Let's read one copy."

After that, she waited for everyone to read it and then asked her questions.

Everyone stared at the information and looked confused from time to time. This was probably the first time they saw this pattern.

Finally, Yang Bingrong said first: "Here it is said that customers use credit cards to make purchases, and merchants deposit the consumption vouchers into the bank. How to do this specifically?"

Lin Wei explained: "After people who hold credit cards make purchases in the store, the store will have a signature The consumption vouchers are sorted out and sent to the bank on the settlement day. The bank staff then sort them out and send the bills to the customers on a fixed date every month. " Do you

have to mail the bills to the customers every month?"

: "That's right, we need to let customers know what consumption they have made this month, and mail them a detailed list. We have to sign an agreement with customers when they apply for a credit card, or they send someone to pay them back every month. Either the money will be automatically deducted from the personal account every month and the customer will be able to choose. " The credit card is a VIP service specially provided for large customers. The initial trial is to select Hang Seng 1 million yuan.

"

For high-quality customers with the above deposits, 10% will be used as the credit limit. They are all people who have the ability to repay, and the possibility of non-repayment is very low. However, depending on the situation, we will set a limit on the maximum amount of a single transaction. If the amount is exceeded, Merchants need to confirm with the bank and ask for authorization. “

In this era, credit cards are not suitable for ordinary people, but they can be implemented in the upper class, just like luxury goods, and become a symbol of personal status.

Lin Wei continued: "The most difficult part of this matter is laying out the initial line. Where can I use a credit card? It must be a high-consumption occasion with large expenditures, such as luxury stores, high-end restaurants, star hotels, nightclubs, Golf courses, car dealerships, etc. are places where rich people often appear. This will test your execution ability. Hezi can be the first pilot to conduct experiments for Hang Seng. "

"I know, I have heard of it, I am an American. "Customers told me about this kind of credit card," someone suddenly said.

Everyone looked at him.

"Then why haven't I heard you say it before?" Yang Bingrong asked.

The other party was stunned: "I didn't know how to operate it at the time, so he asked me if I had a credit card service, and didn't say much..."

Lin Wei smiled and said: "The United States has indeed begun to promote the credit card business. This business It is very popular with the local people, and we can use it as a reference. However, the situation in Xiangjiang is still different from that in the United States, so it is more suitable to start business in the wealthy circle."

Shan Bo put down the information and said, "Ms. Lin is right. , This is indeed a good way to attract big customers. "

The credit card system seems a bit complicated, which makes people doubt the feasibility of this plan and don't know how to do it, but it is certain that there are successful precedents abroad. It is not difficult to learn from it.

"Ms. Lin has done a great favor to Hang Seng this time."

With a multi-pronged approach, and with Hang Seng's execution capabilities, it is very likely that these plans will be implemented smoothly.

He has begun to look forward to it. After these plans are implemented, Hengsheng will definitely reach a new level.

"Actually, we can go one step further and upgrade the credit card." Lin Wei took out another piece of information and gave it to everyone.

besides?

Everyone was stunned, this legendary woman was really scary.

Those things just now were enough for them to digest for a while, but they were not finished yet.

Now they have seen this woman's style.

"IBM in the United States has launched a magnetic stripe card that can be read and written. It is now used in the subways of New York and London. This card can be improved into a bank card."

"Will it be expensive?" Yang Bingrong said after reading it. Couldn't help but ask.

This kind of high technology doesn't look cheap.

"If it is used as an ordinary bank card, the cost is too high, but if it is a credit card, the cost should be within an acceptable range. On the other hand, I suggest Hang Seng purchase computers, upgrade the bank's system, and use computers to process huge data. With the magnetic stripe card, Hang Seng will usher in a new era.

"Have any foreign banks used it?" someone asked.

Lin Wei shook her head and said: "Hengsheng has to be one step ahead to be the leader."

"That's right," Shan Bo clapped his hand on the information, "Hengsheng can no longer be the one who is suppressed and beaten by rumors and controlled by rumors. Anyone can come up and step on the paper kite. "

We must achieve something this time and let HSBC take a good look!"

Next, everyone asked Lin Wei some questions about bank cards.

After almost understanding, everyone stopped and looked at her.

Lin Wei looked at them confused, what does this mean?

What are you looking at her for?

Shan Bo looked at her with a smile: "Miss Lin, do you have any other suggestions?"

Oh...

Lin Wei said quickly: "No, that's all for now."

Ah...

Everyone was actually a little disappointed and felt like they still had something to say.

After the meeting, Shan Bo and Yang Bingrong sent her downstairs in person.

Dong Menghai and others looked at their leaving figures, and their hearts that had been hanging finally dropped.

"No wonder..." someone sighed, "Queen Lin is indeed worthy

of her reputation." "Yes, it's really like doing one's work."

"I think it's average." A discordant voice suddenly appeared.

"Is this average?" Everyone looked at him in astonishment, "Old Xu, are you confused? Or do you think she is just a little girl and you look down on others."

"That's right, with this ability, what gender does it have to mention?

"No, I mean, she is so powerful, isn't she being ordered by our manager Dong to serve people tea?" Everyone

was stunned for a moment, and then laughed . stand up.

Dong Menghai wanted to find a crack to get in, but unfortunately he couldn't leave yet. Looking at the situation, the company was probably going to enter combat mode in the past few days and would definitely do something big.

Downstairs, Wu Ming has rushed over to pick up Lin Wei.

Shan Bo stood in front of the car and expressed his gratitude to Lin Wei: "This time, I really want to thank Miss Lin. Words of thanks are too redundant. Miss Lin's help to Hengsheng cannot be summarized in a few simple words. Before the Spring Festival, maybe , I will discuss with the directors to see if we can release some more equity to Miss Lin."

Lin Wei hurriedly said: "Don't be so polite, this is what you should do, I am also a member of Hang Seng, Hang Seng is good, I am too. If you can borrow some help, you don’t need to take this matter too seriously. "

Out of a total of more than 1 billion in deposits, Lin Wei has borrowed nearly 300 million. She should contribute a little. In the future, when Hengsheng becomes stronger, she can borrow more." There will be more money.

Shan Bo looked at her and couldn't help but sigh: "It would be great if Mr. He was here. If he saw you take over the Kowloon Aviation Industry, he might die in peace."

Hearing what he said, Lin Wei's eyes dimmed a bit. , Mr. He's help to her cannot be explained clearly in a few words. Before his death, he ran around for her affairs, and his presence in the newspapers coordinating all parties was seen almost every day.

Fu Wenfan, Fu Wenfan!

What exactly can be done to make this person pay?

Lin Wei smiled and said, "Years ago, I would offer incense to his old man."

...

"Has Hengsheng's affairs been settled?"

Wu Ming asked her after getting in the car.

"That's almost it." Lin Wei flipped through the newspaper.

"Do you still want to fly to Europe?" Wu Ming asked next.

"Fei..." Lin Wei paused and looked at Wu Ming, "Is everything going smoothly in Xiangjiang recently?"

"Fortunately, Cha Lian is resuming work as planned, and the Queen's Castle is also on the agenda. Kuman is right Kowloon Aviation already knows it very well. He has implemented your project well. The Causeway Bay project has also started. The sales of Hezi and Yashan are slowly recovering. There is no need to worry about the security company."

Lin Wei listened . While listening to his report, Wu Ming spoke relaxedly, but there was unconcealable fatigue in his brows and eyes.

Speaking of which, he was only an 18-year-old boy, but she used him as the all-powerful Wu Ming in later generations. It was indeed a bit too much.

"I won't fly to Europe for the time being," Lin Wei put down the newspaper. "There's no need for me to go over there. I can just do the remote command here."

Wu Ming breathed a sigh of relief. He was lying if he said he didn't want Lin Wei to come back. He was so busy these days. I didn't even bother to eat. Because of the time difference, it was inconvenient to call Lin Wei. I had to find a way to solve everything by myself. The pressure was so great that I couldn't sleep at night.

With Lin Wei back, he would be at least half as relaxed.

However, he looked at Xiang Linwei: "Isn't the acquisition of Cartier not over yet?"

"This is a long-term business plan and cannot be solved in a short time. There are indeed some things in the UK. I will just let Ji Chengjun handle it. Paris We need to continue to stay with them. "

It's hard to say how long it will take. After she acquired Cartier in the UK, other people who wanted to acquire Cartier will be discouraged. After all, most people who have acquisition plans want to reintegrate Cartier. Now because After her entry, the plan was ruined, and naturally she lost interest in Paris. At least Tiberie had completely given up. Without New York and London, there was no point in having Paris.

The rest depends on what Paris thinks. If you don’t want to sell it, just hold on. It doesn’t matter if you sell it to others. Lin Wei and he will continue to hold on until the other party is willing to sell it to her. After all, there is also a Cartier from New York. Stay with it.

See who can survive who.

Lin Wei thought for a while and said, "I saw Wen Jiayue when I was in the UK. She has changed a lot. It can be seen that she has grown a lot while studying abroad. You can also see A Yin. "You are more confident than before, Wu Ming... tell me the truth, do you want to go out and study further?"

"I don't..."

"Think about it carefully, you don't have to answer me right away,"

Lin Wei thought . Let him think about this issue carefully, and don't want the other party to lose a better opportunity because of his selfishness.

Wu Ming restrained his expression. The sunlight outside the car window shone on half of his face, and his expression was hidden in the semi-darkness: "Why did you send everyone around you away, leaving you alone? Don't you feel tired? "

She shouldn't actually send Wen Jiayue out. If Wen Jiayue and Song Ye were here, she would be much more relaxed.

Of course, it would be easier for her if Sheng Meiyun didn't leave.

Lin Wei smiled and said: "You don't have to worry about this. As long as I hold on here, no one can fail. There are many available people, and even if there are none, I can teach you. Even if one day I leave, it shouldn't have any impact on the company." "What matters is your thoughts, what do you think, do you want to go out and see the outside world and see the different and more beautiful scenery?"

Wu Ming slowly turned his face and looked at her, the girl's face. With a faint smile, his dark eyes were filled with tranquil and gentle emotions, and his whole person had a warm and bright color.

"I don't want to..." Wu Ming said, "I don't want to go outside, it's nice here."

By your side, I will see more scenery.

Lin Wei looked at him: "You can think about it again."

"I don't think I can learn more outside, unless you think my current level is not enough and I need to go outside for further study."

"That's not true, you think "More," Lin Wei sighed, "In that case, I will be your university and teach you reluctantly."

Wu Ming: "..."

"However, you have to supervise my studies recently. I am still not good at French when I go to France this time. You should take the time to tutor me in the evening. When I go to France next time, I must speak fluent French."

Wu Ming laughed . He looked out the car window. The sun was shining brightly and the sky was blue. He seemed to smell the sunshine.

...

Lin Wei did not fly back to Europe, and left everything to Ji Chengjun. Unless you push yourself, you don't know where your upper limit is.

"We want to hire high-paying jewelry and watch designers. You just keep an eye on those brands. If you like whichever one you like, you can start poaching them. If that doesn't work, you can create a designer co-branding. Anyway, you just want to find a way to enhance the style of Cartier in London. Of course, designers who are suitable for Hezi should pay more attention to it."

Lin Wei assigned Ji Chengjun a task on the phone: "And Di Baili, you should also pay attention."

"Di Baili?" Ji Chengjun was stunned. "Didn't they withdraw from the bidding for Cartier?"

Lin Wei said: "That's not what we're talking about. We want to acquire Tiberias."

What?

Ji Chengjun was completely stunned. How could such a profitable brand be acquired by you when others want to acquire Cartier?

"You keep an eye on it first. It's not that we will acquire it now, but that it is possible in the future."

Lin Wei has never heard of the brand Tilbury. What does this mean? It means that it is gone and encountered a business crisis during the development process. If so, they have a chance to win this brand.

Lin Wei likes the style of Tiberias very much. Their chief designer is also the current brand leader Ian. The flower-style clothes he designed are very distinctive and deeply loved by people. Even men's clothes are also very popular. .

After Cartier, the second target they aimed at was Tiberias.

Even if you don’t want this brand, you still have to recruit this designer. Designers are the soul of a brand.

Ji Chengjun on the other end of the phone slowed down his breathing and said, "I understand."

Lin Wei said that she would no longer fly to Europe. Her pressure immediately increased, and she was particularly afraid of messing up the acquisition of Cartier.

Lin Wei is not worried, believing that the department store queen in her previous life will not let her down.

"Relax, if you need anything, communicate with me in time. After the acquisition of Cartier is successful, you will probably graduate, and I will give you a brand new contract."

Huh?

Ji Chengjun was curious.

"You'll know when the time comes."

After hanging up the phone, Lin Wei picked up a newspaper.

It was already evening now, and because of the time difference, Lin Wei often called Ji Chengjun after dinner.

She stared at a report in the newspaper, which stated that Yuan Guodong and Fu Wenfan intended to cooperate and establish a trading company together.

Banana, you guava!

Lin Wei clenched her fists.

Wu Ming came over to urge Lin Wei to go to class, but saw her frowning tightly.

Wu Ming glanced at the newspaper in her hand and thought: "He has been very close to Yuan Guodong recently. I heard that Yuan Guodong also intends to let him join Wheelock's board of directors. I don't know whether it is true or not."

With the help of HSBC, Yuan Guodong Wheelock was successfully captured, and now the newspapers are full of reports about this incident.

But the trends in the newspapers these days are a bit subtle, and some people are starting to compare her with Yuan Guodong.

One side said that Kowloon Airlines and Wheelock were incomparable, and that foreign companies were of greater significance. Lin Wei was not qualified to be compared with Yuan Guodong. She was just opportunistic and took advantage of Fu Sheng's loopholes.

One side said that Yuan Guodong took advantage of HSBC's strength, while Lin Wei used her small skills to make a big difference. The scale of the Kowloon aviation industry is not small. She defeated Fu Sheng and HSBC together with Hang Seng. This is the real showdown between Chinese capital and British capital.

The two parties were quarreling fiercely.

Lin Wei didn't know when she had such a group of fans. The two parties were arguing like celebrity fans, attacking each other, saying that Yuan Guodong was born with mud legs, and that Lin Wei was a refugee who escaped from Hong Kong. Later, they became more and more talkative. The more unpleasant it sounds.

Inexplicably, Lin Wei and Yuan Guodong "became enemies". It was clear that Lin Wei had attended Yuan Guodong's celebration banquet a few days ago, but as a result, the two became fierce enemies in the newspaper.

Fu Wenfan, on the other hand, made a profit of hundreds of millions of yuan by selling Wheelock stocks, and he wanted to start a company with Yuan Guodong.

Lin Wei had reason to doubt: "Do you think this Fu Wenfan is deliberately provoking..."

As he was talking, Yuan Yujun suddenly came in and started rummaging around.

"Auntie, what are you looking for?" Lin Wei saw her looking very anxious.

"The deposit certificate, I obviously put it in the drawer in the bedroom, why is it missing?"

Lin Wei blinked and said, "What deposit certificate?"

"It's a deposit certificate worth 100,000 yuan from Chase Bank. I started..." Yuan Yujun suddenly His face changed, and he slapped his thigh, "It can't be that damn girl, right? Before she went back to school, I saw her sneaking out of my bedroom, and she said something about getting some books for her dad. Damn girl, actually If you dare to steal anything, see if I don't skin her!" She rushed to the phone angrily and wanted to call her daughter in the United States.

As a result, Lin Wei held it down.

"If it's her own thing, it doesn't count as stolen," Lin Wei said. "And there's a time difference. If you call her at this time, wouldn't you disturb her rest? Have you forgotten the last time? Do what you don't want others to do." Shi Yuren, you were dissatisfied with A Yin for disturbing everyone's rest, and you couldn't disturb her rest."

Yuan Yujun disagreed: "Nanny, what are you talking about? She is stealing money. If you indulge her in this kind of thing, it will cause big trouble. "Yes."

As she said this, she wanted to pick up the phone again, but Lin Wei pressed the phone without letting up at all.

"What you have learned is a lesson. She is doing this just to learn from you. If you can't do something, you can't ask her. As a parent, you must set a good example. Auntie, it's your fault this time. If you insist on doing this, I will Change A Yin's homestay so that you can't contact her."

"You..."

Lin Wei looked at her with a calm look and a firm attitude.

Yuan Yujun's face was as dark as the bottom of a pot. She said angrily: "I have to make this call today. No one can stop me. Even if I don't stay here anymore, I am still Sun Muyin's mother. I have to take care of myself." No one can interfere with her child. How could she dare to do such a thing before? As a result, if I don't care anymore, she will be lawless and will be scolded as uneducated and undisciplined by her parents."

Lin Wei let go of her hand ! , smiled and said: "Then give it a try and see if you can see your daughter again in the future."

Yuan Yujun was furious: "We don't need you to take care of our family affairs..."

"That's enough for you!" A voice interrupted Yuan Yujun's anger, "Awei is right, don't mess around and steal your daughter's money, you are Why do you have the nerve to say that you want to discipline your daughter? If you continue to do so, A Yin will be destroyed by you sooner or later!"

Sun Boran appeared at the door of the living room.

"What are you talking about?" Yuan Yujun looked at Sun Boran, "I am her mother, why can't I take care of her? Why do I need other people's consent to take care of my own daughter?"

Sun Boran yelled angrily: "Don't argue here, if you You want to show off your power, change places, and go back to your old house. You keep saying that Awei is an outsider, eating and living with other people. How do you have the nerve to stay here? "

"I..." Yuan Yujun was speechless, "I was just here. I'm so angry, I'm just talking nonsense."

"What you say is a waste of time. Why don't you think of the consequences when you say bad words to others? What do you want the people who hear you to think?" Sun Boran stopped to take a breath, and then said, "Let's go. Let's pack up our things, we'll move out tomorrow."

Yuan Yujun's face turned pale immediately, and she subconsciously looked at Lin Wei, but Lin Wei was still the same as before, showing no emotion or expressing any opinions.

"No, I..." Yuan Yujun panicked a little.

She is already used to the life here and is familiar with the neighbors. How can she adapt if she moves back?

What should I do if my neighbors ask?

"Nanny...are you going to drive us away?" she asked Lin Wei.

Yes, she drove Song Ye away, why can't she drive them away?

Yuan Yujun was completely panicked.

Sun Boran said coldly: "Don't ask Awei, what did you ask her to say? You did this kind of thing, what do you think others think? Don't you think it's embarrassing? Do you want to throw my face to the ground?"

Lin Wei turned to look at them and said: "I don't have any intention to drive you away. To me, you are elders. With you in this family, I will feel more at ease. Having someone to help organize things makes me feel like It's back to the days when I was with my parents."

Sun Boran was a little stunned.

Yuan Yujun was also stunned.

Lin Wei smiled and said: "But if you are not happy staying here, I will not stop you from leaving. People are free, everyone is the same, so I hope that uncle and aunt will think about it carefully when they go back. Impulsive, no matter what decision you make, I will respect it."

Hearing what Lin Wei said, Sun Boran felt indescribable shame. They are so old, and they are not as good as a child.

He sighed: "Then we will go back first and won't disturb you anymore."

Wu Ming watched the whole argument. He had discovered a long time ago that Lin Wei liked liveliness and crowds, but she was not greedy and would not Keep anyone by your side.

This is probably a sign that a person is independent enough.

Wu Ming wanted to comfort her, but suddenly he heard Lin Wei say -

"Wu Ming, let someone do something for me."

"What?"

Lin Wei gritted her teeth and said, "Tell the media that Fu Wenfan wants to give Yuan Guodong Become a door-to-door son-in-law."

Huh?

Wu Ming was stunned for a moment before he understood what Lin Wei meant. How did she come up with this idea?

Lin Wei turned to look at Wu Ming: "You don't think I've gone too far, do you?"

Wu Ming smiled and said, "What's this? Don't talk about being a gentleman when dealing with people like this."

He I thought she was thinking about the dispute just now, but I didn't expect that her mind was always on Fu Wenfan. It seemed that she really hated this person.

"You're right," Lin Wei nodded heavily, "If I do bad things in the future, you will always advise me like this."

Wu Ming: "..."