Chapter 222 The first meeting
Yao Liang is different now. Not to mention that he followed Zhou Liwen and has built more than ten apartments himself. With his special relationship with Zhou Liwen, Zhou Liwen's account opening in Shanghai has also fallen under his performance. With the rapid development of several companies in Shanghai, Zhou Liwen occasionally asks him to apply for some loans. This kid is getting more and more comfortable in the banking system.
Around the Spring Festival, Gao Sheng, Director Mao of the Credit Department, became the deputy president. As Director Mao's capable subordinate, and Yao Liang's outstanding performance in the bank, he was lucky enough to replace the position of Director of the Credit Department and transformed into a middle-level bank.
Yao Liang became the director of the credit department, which is also a good thing for Zhou Liwen. At least he is much more convenient in terms of loans. Moreover, with the development of the company, cooperation with banks will become more and more extensive in the future. It is also a resource to have such a friend who speaks in the bank.
Just like this time, Zhou Liwen won the mansion on Huaxun Road thanks to Yao Liang's help, and he loaned him 20 million yuan in one go. When Zhou Liwen was carefully looking at the documents, Yao Liang wandered around the building. The more he looked, he felt more and more about Zhou Liwen's big money, and at the same time he was extremely despised. This guy obviously had money in his account, but he was still as stingy as before. Oh... No, he should be even more stingy than before. This year, the second-hand house that was smaller than tens of thousands of yuan, and the big house that was larger than Huaxun Road. This guy was lying on his head and wanted to apply for a loan, and he almost never failed to return.
In Yao Liang's eyes, he could not understand Zhou Liwen's stinginess. You said, he could clearly take out this money, so why did he still need a loan? Yao Liang himself is a credit person, and he knows how high the loan interest is. In his opinion, Zhou Liwen's doing this is more than taking off his pants and farting. If he had the strength, he would let the bank make this money.
Zhou Liwen quickly finished reading the documents, signed the documents and handed over the things to Yao Liang. Then he handed him a cigarette and asked casually: "How is the progress of what I mentioned to you some time ago?"
"Things? What's the matter?" Yao Liangdian asked in a daze. He had just become the director, and there were too many facts about the credit department. He didn't realize what Zhou Liwen was referring to for a while.
Zhou Liwen reminded him, and Yao Liang then remembered it, patted his head and smiled, "It's the payment platform you mentioned, remember."
"You guy still remembers it. It's almost two months old. Why didn't you reply at all? What's going on now?"
"I don't know either..." Yao Liang replied subconsciously. Seeing Zhou Liwen's face change, he quickly explained: "Don't worry Brother Zhou, I'm not worried about your business, but I can't make the decision at all! Let me tell you the truth, I have handed over this report long ago, and I should have arrived at the head office according to the procedures. But you also know that the cooperation you mentioned is a project that the bank has never had before. The feasibility, policy and so on of this project must be reviewed slowly. But don't worry, I have been following this matter and I will notify you immediately as soon as there is any news."
After hearing this, Zhou Liwen's expression was slightly slower, but he still frowned slightly. What he and Yao Liang said was nothing else, but the famous Alipay. Speaking of Alipay, this is not only a guaranteed third-party payment platform, but also a bit similar to the special payment nature of commercial banks. It is not something that Zhou Liwen can do alone. The national conditions are different. In China, the country has always strictly controlled financial institutions. If you want to do the Alipay project, Zhou Liwen would definitely not be able to do it without the support of banks. So when Zhou Liwen was thinking about forming Alipay, he thought of Yao Liang, and planned to use his relationship to promote this cooperation.
But who would have thought that more than two months passed in a blink of an eye, and there was no news on Yao Liang's side. Zhou Liwen, who was a little anxious, couldn't help but ask a question today. After receiving Yao Liang's reply, Zhou Liwen couldn't help but feel a little upset. He felt that although the bank did not reject it now, it was estimated that the possibility of success was not high. If Yao Liang couldn't handle it, Zhou Liwen would have to think about his other ways and find the relationship between other banks.
Of course, Zhou Liwen himself knew that if this project was cooperated with Wei Zi and the others, it might be easier to succeed based on their background and connections. However, Zhou Liwen paid a lot of money. After careful consideration, he felt that if it wasn't for the fact that he really couldn't do it, he would do it himself. Alipay, which is a platform with a broader future than the mobile phone market, did not want to give up this future money-capacitor to others in vain. If it weren't for the fact that Alipay cannot do without bank support, Zhou Liwen even planned to swallow this cake alone.
"Don't play with me, you kid, you've become a director and talked clichés in front of me, right?" Zhou Liwen glared at him bluntly.
"Look at Brother Zhou you mentioned, how can I not feel at ease about your affairs?"
"This is still like a sentence, but I have to explain it to you clearly. You must be concerned about this matter. I will tell you the truth if it happens to you. If it happens, I will see if it happens!" Zhou Liwen pointed to the villa where he was and said in a devilish temptation: "When the time comes, I will give you a house like this, with the same decoration!"
Yao Liang's eyes suddenly widened. He knew the price of this house. In addition to decoration, furniture, etc., it was almost 6 million. Zhou Liwen threw out such a big piece of pie at once. It would be absolutely impossible for Yao Liang to be unmoved. When he was visiting, he felt in his heart that it would be great if he could live in this place one day, but he didn't expect that the opportunity would be in front of him in a blink of an eye.
He couldn't help swallowing his saliva, and Yao Liang finally calmed down.
"Brother Zhou, you're hurting me."
Looking at Yao Liang with a wry smile, Zhou Liwen asked with a smile: "I'm hurting you? Have you seen that there is such a harm to people in this world? If so, please find someone to show me?"
"Nonsense, how can I sleep at night if you mention this condition? If I have insomnia, who can't cause it if it's not yours?"
"Hahaha!" Zhou Liwen was happy as soon as he heard this, patted his shoulder and said, "Then you can find a way to get it done. Besides, you have also seen the original plan. This matter is also good for your bank, and it will be a win-win situation."
Yao Liang was amused and cried by Zhou Liwen, so he begged for mercy: "My brother, I am just a little director, and I don't have that much power. I have no way to do this matter if the bank doesn't criticize it! Our bank is one of the four major banks in the country. How can the leaders above do what you imagine? If I can make the decision, how can I not do it for you? Now I can only wait for the news from above."
Yao Liang was right. They had a great banker and had a great career. Zhou Liwen, who had worked in state-owned enterprises, also knew the moral character of the above people. Seeing Yao Liang's appearance but lacking in strength, Zhou Liwen didn't know what to say for a while.
Looking around, Yao Liang was still reluctant to let Zhou Liwen go to the bargaining chips. If it was really done, taking such a villa would mean he would have been working hard for decades! After a few glances and racking his brains, Yao Liang finally figured out a curved way to save the country. He suggested that Zhou Liwen contact with the Shanghai Bank and see if he could make this happen through them.
"Shanghai Bank?"
"Yes! I have something to do with them. Their presidents are very familiar with each other." Yao Liang quickly explained that the name of Shanghai Bank seemed to be quite loud, but in fact, its predecessor was the urban credit union. A few years ago, the urban credit union in Shanghai was reorganized and the urban credit union in each district and county was unified to establish the Shanghai Bank. So from this point of view, Shanghai Bank is just a local bank, and compared with Yao Liang and his banks, they are just a minority.
However, local banks naturally have the advantages of local banks. Its biggest advantage is that they are loose policies and flexible operations. In Yao Liang's opinion, it is not a little difficult to cooperate with their banks. Even if the head office has an intention, it is not that simple to operate formally. However, if the goal is changed to Shanghai Bank, it may be much easier, not to mention that Yao Liang has many acquaintances with the Shanghai Banking System, so they are different from their conversations.
This suggestion made Zhou Liwen interested. After carefully asking about the situation of Shanghai Bank, and after confirming the possibility, Zhou Liwen immediately made a decision to let Yao Liang come forward to contact Shanghai Bank to see the chance of cooperation. In order to appease this kid, Zhou Liwen also made a promise that as long as this matter is done, let alone Shanghai Bank, even small banks such as Hangzhou Bank and Rural Commercial Bank, what he promised will still be fulfilled.
Hearing this promise, Yao Liang could not sit still. He was as excited as if he was injected with chicken blood. He didn't even eat lunch and hurriedly said goodbye.
After Yao Liang left, Zhou Liwen saw that it was noon. He went out to find a famous individual noodle restaurant nearby to eat spicy noodles. The spicy noodles in this restaurant are well-known in Shanghai, and there are many people in line at noon. Zhou Liwen finally waited for an empty chair, ordered a portion of spicy noodles and a poached egg, and then a portion of curry beef soup, and ate it with delicious taste like ordinary people around him.
After eating the noodles, he bought a newspaper from the newsstand opposite, and Zhou Liwen walked back leisurely. When he walked to the villa, he saw a middle-aged man in ordinary clothes standing not far away, as if waiting for someone.
Zhou Liwen didn't pay attention to the other party, and walked straight up the steps. When he was taking out the key and preparing to open the door, he asked a question from behind.
"You are... Zhou Liwen, are you?"
"I'm." Zhou Liwen turned around and replied, then suddenly remembered: "Are you Mr. Li?"
"Yes, it's me, just call me Lao Li." Dong Li replied with a smile.
Zhou Liwen didn't expect that the chairman of a very famous private enterprise was almost the same as an ordinary middle-aged man, and he had no car nearby. Could it be that this Li Dong, who has a billion-dollar asset, actually took a taxi?
"I'm so sorry for letting you wait for a long time. I thought you would have to arrive later, so I went out for a meal just now." Zhou Liwen quickly shook hands with the other party apologetically.
"Haha, it's okay. I took a taxi directly after getting off the plane. I didn't expect that the road would be smoother and it was earlier." As expected, Dong Li rushed over like this. Zhou Liwen smiled and asked him if he had used lunch. Dong Li said politely that he had eaten something on the plane and was not hungry now. Zhou Liwen didn't force himself and opened the door and invited him in to sit.
Chapter completed!