Wu Jun has a girlfriend who is a banker in his family.
He certainly knows that, in general, it is necessary to make an appointment in advance to withdraw money from a bank for more than 50,000 yuan.
This is also not to say that the bank does not have money, nor is it what some people say that it only enters and sets up depositors.
This requirement is a mandatory rule issued by the People’s Bank of China, and the subordinate banks just follow it.
In general, if there is no emergency, the major bank branches are not left too much cash.
People who are more attentive in life may find that the money carriers will appear in each bank branch every morning and afternoon.
When you go to work, the trucks bring the money to you and then return to pull it away when you get off work.
At the end of the day, the bank is basically “empty”, not a cent left in the safe.
All the cash received by the bank during the day will be pulled back to the regional head office’s vault at the end of the day for storage.
There is absolutely no need to mobilise too much unused cash.
Although the domestic security is OK, but the money carriers running on the road is not 100% safe.
Therefore, there are many episodes of bank robbery in films and TV dramas, but there are basically no episodes of bank theft at night.
The thieves also know that they will go and pounce, and they will not be able to steal a single dime.
To sum up, each branch will apply for a more reasonable, rationed amount of cash from the next level according to its business situation, so as to ensure that depositors can mention money the next day.
If there is a large cash withdrawal operation, book a day in advance and the bank will add the cash for this large cash withdrawal operation to the cash request.
As to why the bank has just collected $100,000 in deposits but cannot get $50,000 in cash to the depositor, one of the reasons is because of the bank’s workflow.
Normally, when a depositor makes a large cash withdrawal without making an appointment, the teller is required to ask the business supervisor first, and in the absence of an appointment, the supervisor is required to check the remaining cash in stock.
Once the cash on hand is tighter, then this depositor’s request for a withdrawal without an appointment will be denied.
With that $100,000 deposit, the bank has a whole day’s worth of operations to consider.
Unless it’s after 3:00 p.m., the day’s business is about to end and there won’t be too many more customers coming in to withdraw money.
At this time if there is still a large amount of money left in inventory, the bank will be reasonable and agree to give you a withdrawal.
Otherwise, they will refuse on the grounds of non-compliance.
There is another reason why banks easily won’t let depositors withdraw their money without an appointment in order to keep their cash liquid.
Even if someone has just deposited $100,000 on the front foot, the bank will tell you that you cannot withdraw it.
This is because banks need to keep their cash liquid to prevent the risk of a run on the bank.
Another thing is that the bank’s deposits are credited to the general ledger.
Once it’s time for quarter-end assessments, these deposits are kept for as long as they can.
Once you don’t make an appointment to withdraw your money, the bank has a good reason to keep your deposit for another day.
So, it’s best to make an appointment with your bank on the phone well in advance before you make a withdrawal.
However, these are for ordinary depositors, and ordinary VIP depositors.
Wu Jun was obviously not in this category, and he had the privilege of being absolutely above the VIP customers.
The ICBC Centurion Black Gold Card issued to him by Jiang Yi’s former boss, Governor Luo Zhengang Luo, now had its limit raised to an extremely exaggerated 150 million.
In other words, Wu Jun could now overdraw 150 million at the bank without any collateral.
Domestic black gold card holders are conservatively estimated to be no less than a thousand.
But the one who can reach this amount of Wu Jun now, definitely not more than one hundred.
The VIP customers who hold black gold card don’t need to make reservation to withdraw cash, this is one of the privileges that differentiate them from ordinary VIP customers.
In other words, even if Wu Jun wanted to withdraw 150 million in cash right now, the bank would have to obediently give it to him.
When Wu Jun took out that Centurion Black Gold Card from his card bag, Lu Jing, who was responsible for receiving him, straightened her eyes at once.
Suddenly, Lu Jing remembered where she had seen Wu Jun.
Either in other places, or in this bank, or in this VIP reception room, she received Wu Jun, no wonder it looks familiar.
When Wu Jun contracted all the land in Xiao Wu Zhuang, he came to this branch to get cash.
That time, seven or eight money trucks were called to transport the money back from the city, which made a lot of noise.
Lu Jing had been working in this branch for almost ten years, and there was one time and only one time that she had encountered a customer who took the Centurion Black Gold Card to withdraw money, and that was Wu Jun.
“Mr Wu, how much do you want to withdraw this time, I will immediately report to our leader to let him allocate it to you.”Lu Jing thought of Wu Jun’s last big withdrawal of tens of millions of dollars in one go, ten times more cash in this branch would not be enough for him to withdraw alone.
Wu Jun also knew that he would definitely not be able to fetch the money today, when he entered the door, he was psychologically prepared in this regard, and he didn’t want to make things difficult for Lu Jing, a small bank clerk.
Contemplating for a few seconds, Wu Jun raised his eyes to Lu Jing and said lightly, “Well …… first withdraw 200 million.”
The day before yesterday, when he talked about the sweet potato vermicelli with Cui Changfu, the mayor of Wangpo Township, according to the data he disclosed, the sweet potato vermicelli production value of the whole Wangpo Township is about two hundred million or so.
“Two, two, two hundred million!”Lu Jing’s two large khazlan eyes painted with delicate make-up widened even more after hearing the amount from Wu Jun’s mouth.
To use the most relaxed tone and say the most shocking words was just like this now, right?
Taking two hundred million first? To not say it so easily ah!
That’s 200 million ah big brother!
The highest one-time withdrawal record of this bank is 32.6 million.
This record was created by Wu Jun more than a year ago, and has been maintained until now.
Now, this record is broken by him again, and it is far away from the original record, raising the highest record to 200 million!
That is to say, this young man in front of him, who looks about the same age as himself, is properly a billionaire!
This kind of strength, this kind of wealth, not to say that it is the richest man in Ping Shan, but it can also be ranked in the top five, right?
Whoever can marry such a man, no, even if it’s just to be a lover for him, this life can be a life of fine clothes and food, left hand Hermes, right hand Prada!
“Why, what’s the problem?”It was also the first time for Wu Jun to withdraw so much cash, and he couldn’t figure out if this was in line with the bank’s regulations.
Although the funds mobilised for the last Hongfu farm expansion project was more than ten times higher than today’s amount, but that was all done within the bank account and no cash was withdrawn.
There were still some differences in details between that time and this time that could not be generalised.
Lu Jing came back from the scarlet fantasy of marrying into a rich family, looked at Wu Jun with an apprehensive face and said, “That, Mr Wu, I’m sorry that I can’t answer you right away, this matter has greatly exceeded my terms of reference, I’ll have to go and ask our leaders for you.”
“Yes, I’ll wait for you.”Wu Jun nodded and did not make things difficult for her, casually asked, “You can smoke here, right?”
“Yes yes yes, what do you smoke Mr Wu, I’ll go and buy it for you.”Lu Jing agreed repeatedly and stood up from the seat opposite Wu Jun.
“Erm, that’s not necessary, I brought them.”Wu Jun sniffed but he was a little crying and laughing, when did the bank have an additional business of buying cigarettes for customers.
Lu Jing always felt that it was so hard for her to meet such a golden son-in-law who was bubbling with golden light, she couldn’t just dryly pass him by.
One had to do something to leave a little impression on this Mr Wu as much as possible.
“Then …… Mr Wu you drink water first.”Lu Jing poured a cup of water for Wu Jun and put it on the armrest of the sofa next to him, when she put the water, she also intentionally leaned over to face Wu Jun’s direction, her neckline was slightly open, the pink underwear she wore inside was faintly visible.
Wu Jun is also a veteran in the flower world now, and he saw through the bad intention of this small staff in front of him.
However, he was not much interested in Lu Jing.
In the face of Lu Jing’s ambiguous teasing, rather like a former sage Liu Xiahui’s style, he turned a blind eye and did a Wu Xiahui.
As the bank’s VIP customer specialist, Lu Jing’s face value and figure as well as temperament are not bad.
But in Wu Jun’s eyes, it is only good.
With Jiang Yi, Governor Jiang in front of her, Lu Jing’s posture as a small staff member is really not enough to look at.
Not getting any response to her hints, a trace of loss crossed Lu Jing’s face as she straightened her waist.
Lu Jing had always been quite confident in her figure and face value.
Moreover, there were many men who pursued her, including some big bosses and rich second generation who were worth millions.
But this time, she came to her Waterloo in front of Wu Jun, throwing winks to the blind.
Think about it, a man like Chief Wu, such a big tycoon, must be surrounded by beautiful women.
Unless it is a great beauty of national colour to arouse his interest, right?
“Please wait a moment, General Manager Wu, I’ll be right there.”Even though her psyche was incomparably lost, Lu Jing still had a sweet smile on her face, hiding her emotions well.
“Well, please.”Wu Jun nodded as if nothing had happened, pulling out a lighter and lighting a cigarette.
After leaving the door, she directly took the stairs up to the first floor.
This kind of branch that was opened in the county was unlike those large business locations that were opened in the downtown area of Shimen.
This branch where Lu Jing was located only had two floors, upper and lower.
Downstairs was the hall that handled all kinds of comprehensive business, and upstairs was the administrative staff, as well as the offices of the small and micro loan department.
Upstairs, she came to the door of the office that had the president’s office hanging on it.
Lu Jing was just about to reach out and knock on the door when a sudden bellowing voice from inside the office startled her.
“I don’t care what method you use! Three more days until the deadline! 20 million in savings must be pulled up for me!”
“If we don’t meet the target again this year, not only will it be yours, even my bonus will be gone!”
Lu Jing could hear that the one who was storming inside was Chen Zhiming, the bank president.
Although I did not hear the voice of the one who talked to Chen Zhiming, but I can think with my feet, the one who was scolded on the other end of the phone must be responsible for the storage Zhao Minister.
Look at the end of the year, the banks have begun to account for the completion of this year’s various tasks and indicators.
The degree of completion of the indicators is directly linked to the year-end bonus.
The higher the degree of completion, the higher the coefficient of the year-end bonus, and vice versa, the lower the degree of completion, the lower the coefficient of the year-end bonus.
The sub-branch where Lu Jing was working failed to complete the savings task last year.
Chen was criticised by name during a meeting at the head office in the city and lost face.
Last year, the year-end bonuses of the employees of this branch’s various departments were also greatly reduced, and none of them got the full amount.
If the target is not met this year, not only will Chen Zhiming’s face not be able to hang on, it is estimated that the year-end awards will also be affected even more than last year.
Thinking about these things, Lu Jing was also helpless for a while.
The staff in the bank all know that the head of the bank and the local richest man, Li Dang, don’t deal with each other too well, and can’t pull in a single penny of deposits from Li’s group.
Even, Lu Jing had heard some gossip.
It is said that there is a secret rule within Li’s Group, but the employees know it by heart – that is, they cannot deposit money in the local ICBC.
Even the family members of the group’s employees are not allowed to make deposits in ICBC.
If you are found out, or reported by anyone, then you are ready to process your departure!
Although it wasn’t explicitly stated, this rule had already become a consensus among the employees of Li’s Group.
Li’s Group employees amounted to tens of thousands of people, plus the employees’ families, properly more than 100,000 people.
To know, the entire Ping Shan County is only 500,000 to 600,000 people!
I can use my feet to understand how difficult it is for Lu Jing’s branch.
Offending the richest man in the area and still wanting to have a good time, that’s just dreaming.
Chen Zhiming this small branch president, obviously does not have and the local richest arm wrestling strength.
Although Ping Shan is small, but the five lines are complete.
State Bank, Construction Bank, Agricultural Bank, Bank of Communications, and in recent years just up credit unions.
These banks in the county are more than one business office.
Li Dang away from the industrial bank group still run, the day as usual.
ICBC away from the local richest man, but the days are not good, every year for the task index worry.
Lu Jing also knows that the situation in front of us, can not be blamed on the president of the bank Chen Zhiming.
It is rumoured that Chen Zhiming refused a violation of the loan of the Li Group, so it was the richest man knocked, education.
Chen Zhiming was also a man with a backbone, and had fought hard until now without compromising with the richest man.
Hearing Chen Zhiming hang up the phone, Lu Jing then reached out and knocked on the door of the room.
“Come in!”
Chen Zhiming’s somewhat unhelpful voice resounded within the office.
Lu Jing didn’t care and pushed the door into Chen Zhiming’s office.
“Is there something wrong Little Lu?”Chen asked as he raised his eyes to Lu Jing after seeing her entering the door.
Chen Zhiming had a slim figure, aged around fifty years old, wearing a black suit formal dress with black framed glasses, looking very literate.
Lu Jing stood still two metres in front of Chen Zhiming’s desk and said truthfully, “Governor Chen, there is a VIP downstairs who wants to handle a large cash withdrawal.”
“Hmm? How much to withdraw?”Chen frowned slightly.
He, however, knew that if it was just an ordinary cash withdrawal business, Lu Jing wouldn’t have come up to him to report.
The business that the following one wanted to handle was definitely beyond Lu Jing’s remit.
The business that was beyond Lu Jing’s remit was definitely not an ordinary small business.
Lu Jing gulped and said, “Two, two hundred million!”