Chapter 1 The fastest way for ordinary people to raise start-up capital
Business Hall of Binjiang Branch of Shenmao Bank.
Qin Hao and Hu Yue almost completed the check-in at the right time.
Cheng Jiayuan looked at the two of them in confusion and asked in a low voice: "Why did you come together?"
"We both came together. We just met at the subway entrance." Hu Yue rolled her eyes at him.
"That's it." Cheng Jiayuan scratched his head honestly.
Supervisor Zhu Qiang kept talking non-stop. Qin Hao felt sleepy and couldn't help but yawn.
"Qin Hao, did you become a thief last night? You took a nap so early in the morning that your customers will see that you are damaging the image of our entire Binjiang branch..."
Before Zhu Qiang could finish what he said, Qin Hao replied angrily: "Boss, I just recovered from a serious illness. Didn't you see the sick leave note? As for it damaging the image of Binjiang branch, why don't we stand together?
Asking customers to rate us at the door, who affects the image of our bank?"
As soon as he finished speaking, the entire business hall was silent. All the colleagues looked at Qin Hao with incredulous eyes. Tao Wuji and Hu Yue secretly tugged on Qin Hao's sleeves to signal him not to conflict with Zhu Qiang in person.
.
Zhu Qiang was stunned for a few seconds, then reacted immediately and yelled at Qin Hao.
"Who are you calling ugly? Qin Hao, let me tell you, do it if you want. If you don't want to, get out of here. This is a bank, not your home."
"Hey, listening to your tone, why do I think this bank is owned by your family?" Qin Hao sneered.
Zhu Qiang was choked to the point of speechlessness, and his hand pointing at Qin Hao was trembling.
"Okay, just wait for me, I don't believe I can't cure you!"
Zhu Qiang left with a harsh word and angrily.
Hu Yue said worriedly: "Old Qin, did you take the wrong medicine today? Openly challenge Zhu Qiang, be careful he gives you little shoes to wear."
"Yes, Old Qin, this Zhu Qiang is very narrow-minded. If you make him lose face in front of so many people, he will not give up easily." Tao Wuji also reminded.
Qin Hao spread his hands: "It's as if if I don't quarrel with him, he won't give us little shoes to wear."
"Don't worry, the bank is not owned by him. After all, I am also a regular employee. He, a small supervisor, wants to fire me, so I am not qualified enough."
Seeing Qin Hao's indifferent expression, Hu Yue felt helpless: "Will Zhu Qiang go to the manager to complain?"
"No, he wouldn't dare."
"Don't dare, what do you mean?" Hu Yue and Cheng Jiayuan both looked confused.
Tao Wuji was thoughtful.
Qin Hao explained calmly: "As a grassroots leader, if your subordinates retaliate and you get angry and go to your boss to complain, what will your boss think? He will think that you have no management ability. Although Zhu Qiang, this grandson, is not a thing, he still has some brains.
.”
"Don't worry, he can only block me for a while during the assessment, and that's all he can do."
Hu Yue smiled bitterly when he heard this: "With this little ability, we couldn't complete a few tasks, and that Zhu Qiang didn't like us. Now that you have offended him to death again, he will definitely take this opportunity to retaliate against you."
"Isn't it just a deposit business worth tens of millions? Just complete the task and shut his mouth." Qin Hao said nonchalantly.
Tao Wuji and Hu Yue looked at each other and couldn't help but complain.
"For those who don't know, I think you are some kind of rich man, brother, who can easily deposit tens of millions in our bank."
Qin Hao said half-jokingly: "Maybe one day when I get rich, I can save tens of millions for each of you, so that you can easily complete the task."
"Haha, then I'll thank you first."
"Thank you too. Come on, stop daydreaming. It will burn out your brain."
The few people teased each other for a while, and not long after, the door of the business hall opened, and all the customers who had been waiting for a long time poured in. Qin Hao and the others had no time to chat and began to get involved in busy work.
While Qin Hao was handling business, his supervisor Zhu Qiang kept staring behind him. He originally planned to catch Qin Hao's negligence in his work and vent his anger, but as a result, he stood there until he got off work at noon, and Qin Hao had no business to handle.
Any flaws would give him absolutely no chance to find fault.
Zhu Qiang became even more angry now, glared at Qin Hao fiercely, and then left.
"Hu Yue, Lao Qin, Tao Wuji, let's go have dinner." Cheng Jiayuan stood up impatiently.
Hu Yue stretched out: "Well, I'm hungry too. I got up late today and didn't have breakfast."
A group of four people arrived at the cafeteria.
After they each finished serving dishes and sat down, Tao Wuji said to Qin Hao with some doubts: "Old Qin, I see that you are doing business very efficiently today. Zhu Qiang has been standing behind you all morning just now. He must be trying to find fault with you. Why?
Good thing you didn't fall into his hands."
"Isn't that right? I've been sweating for Lao Qin this morning. Lao Qin, you can do it." Hu Yue agreed.
Qin Hao laughed and scolded: "You have so little confidence in me? After all, Tao Wuji and I are in the same class, and we were assigned to the Binjiang branch at the same time. I didn't put my mind on it before, and it's not really my job."
Hu Yue curled her lips: "You said you were fat and you were out of breath. I don't know who's business has been wandering in the middle and lower reaches all year round."
Tao Wuji joked seriously: "Actually, I think Lao Qin is right. His ability is definitely no problem. I just don't know which beauty he is focusing on. Anyway, it is not used for business."
Cheng Jiayuan rolled his eyes: "I remember that last time, that person named Jingjing almost destroyed our business hall. Who was he coming for?"
The three of them pointed their chopsticks at Qin Hao in unison.
Qin Hao sighed and shook his head: "Oh, you two, you have brought Cheng Jiayuan into trouble. In the past, classmate Cheng Jiayuan was so honest and honest, and those who were close to Mo were black."
"Haha~~~"
The four of them quarreled for a while, and when the meal was almost finished, Tao Wuji said seriously to Qin Hao.
"Old Qin, to be honest, you should calm down recently and focus more on your business. Don't let Zhu Qiang take advantage of you..."
Before Tao Wuji could finish speaking, Qin Hao waved his hand and said: "Don't worry, from today on I will wash my hands in a golden basin. I will turn back my prodigal son and focus on my career. I will strive to take a step up every year and become a member of our Binjiang branch within five years."
President."
Tao Wuji and Hu Yue looked at each other and couldn't help but shake their heads. They didn't take Qin Hao's "nonsense" to heart at all.
Cheng Jiayuan, on the other hand, focused all his attention on Hu Yue and did not take Qin Hao's words seriously.
The boring working time in the afternoon passed by in a flash. After Qin Hao finished handling the last customer's business, he came to Tao Wuji's counter and handed over his ID card and credit card application form.
Tao Wuji was obviously taken aback: "Old Qin, what are you doing?"
"Isn't it obvious? Apply for a credit card. If you complete a task, I will get some money to spend."
"Are you trying to cash out your credit card?" Tao Wuji asked suspiciously.
Qin Hao spread his hands: "Otherwise, why would I apply for a credit card?"
"Are you short of money? How much is the difference? I will lend it to you first for emergency use. There is no handling fee for cashing out the credit card?"
"Are you so rich? Then you can borrow 100,000 to 80,000 yuan for use, and I will pay you back the principal with interest next month."
Tao Wuji became anxious when he heard this: "One hundred and eighty thousand, why do you need so much money?"
"One hundred and eighty thousand may not be enough, the more the merrier. Don't ask anymore. I'm going to close the account after get off work soon. Do it for me quickly. We'll talk about it later."
Seeing Qin Hao's resolute attitude, Tao Wuji had no choice but to help.
When he got off work, Zhu Qiang naturally had to talk to Qin Hao about Yin and Yang, and he nagged everyone for a while before letting everyone go off work.
On the way back, Hu Yue asked curiously: "Old Qin, what were you doing in front of Tao Wuji's counter when you just got off work?"
"Obtain a credit card, otherwise what else can we do?" Qin Hao replied casually.
Tao Wuji couldn't help but persuade again: "Old Qin, why are you so urgent for money? To be honest, I saved some money..."
"Come on, you saved your wife's money. I can't afford it if you lose it. Don't worry, I have to pay the rent soon. I have no money in my pocket. Please help me. I will pay it back when my salary is paid next month."
Yes." Qin Hao patted Tao Wuji on the shoulder.
Tao Wuji and Hu Yue both breathed a sigh of relief after hearing this, and then the four of them left separately. Cheng Jiayuan reluctantly watched Hu Yue's figure disappear at the subway entrance.
After returning home, Qin Hao placed all the remaining credit cards of the original owner on the bed. There were more than 20 credit cards in total, from various banks.
To put it bluntly, although the original owner was a playboy, he was still quite economical when it came to money.
He doesn't have many overdrafts on these credit cards, and basically uses these credit card points to redeem various coupons.
According to the limits of these credit cards, Qin Hao can overdraft a total of 240,000, which is barely enough as a start-up capital.
Of course, this amount of money is definitely not enough to start a business. The first pot of gold still has to be earned in the stock market.
Later, Qin Hao went to a store that specializes in cashing out, and took out all the cash from more than 20 credit cards. A 3% handling fee was deducted, and he only got more than 230,000 yuan.
After returning home, Qin Hao opened the original owner's previous securities account. As a graduate majoring in finance, it was naturally impossible for him not to have a securities account.
However, the original owner's stock trading method was basically to trade one stock at a loss, chasing the rise and killing the fall. The result was that every time he sold the stock, it went up. The stock that originally rose well fell as soon as he bought it. The original owner was so angry that he never stopped trading.
I have never traded in stocks.
.........
The next day, after the market opened at 9:30 in the morning, Qin Hao took advantage of his free time to go to the toilet to transfer all the money he had deposited into his bank card in the morning to his securities account, and then bought all of one stock: 002695 (Huang Shang Huang)
)
According to Qin Hao's memory, the major shareholder of "Huang Shang Huang" will soon propose a plan of transferring 10 to 30, and then the stock of "Huang Shang Huang" will experience a surge.
When Qin Hao returned to his seat, Tao Wuji next to him asked in confusion: "Why did it take so long to go to the toilet?"
"Diarrhea." Qin Hao said casually.
"Oh, be careful. Zhu Qiang came here just now, and I helped you fool him."
"Thanks."
Taking advantage of the fact that the peak period of the first wave of business processing has passed and the business hall is not that busy, Hu Yue has no customers for the time being, so he said to Qin Hao and the others.
"The positions will be fixed at the end of this month. I heard that a mobilization meeting for the positions will be held today, and Zhao Xinghui will personally come on stage to speak."
Tao Wuji's eyes were full of longing. Zhao Hui was not only the president of Binjiang Branch, but also the most senior and best-performing vice president of Shenmao Branch in recent years. He had always regarded him as his life goal.
"Being able to get Zhao Xing's guidance will definitely benefit me a lot."
Qin Hao joked: "Tsk, tsk, it's a pity that you didn't flatter me in person."
Hu Yue covered her mouth and smiled softly.
Tao Wuji hurriedly defended: "This is not flattery, Zhao Xing is the person I respect the most, and I hope to become a banker like him in the future."
"Then you have to go to the public affairs department first. You won't be able to achieve your goal by staying at the counter." Qin Hao said.
Hu Yue encouraged Tao Wuji: "Tao Wuji can definitely go to the public affairs department. His performance is so good, right Cheng Jiayuan?"
Cheng Jiayuan obviously hesitated for a moment, and then nodded in agreement.
Qin Hao glanced at the little fat man meaningfully: "Not necessarily, I heard that our business office only has two places for transfer to the public department this time, and we still don't know who will win."
"Keep a normal mind. Even if I stay at the counter, I will still do my job." A worried look appeared on Tao Wuji's face.
When they were about to get off work in the afternoon, Qin Hao and the other four were called to the small meeting room upstairs. In addition to them, there were many newcomers who had just been employed for two years and met the requirements for reassignment.
Not long after we sat down, the lights in the conference room went out, and a vice president gave a eloquent speech for almost half an hour, and finally got to the point.
"Within today, thank you all for your hard work, please submit your work summary and job placement intention form by email. The leaders of each department will make allocation decisions based on your usual work performance and personal wishes."
Hu Yue looked at Qin Hao: "By the way, Lao Qin, you haven't said which department you want to go to yet?"
"I? I must stay in the business hall. I can't bear to leave you friends."
"How come you are always so out of shape?" Hu Yue rolled her eyes at Qin Hao.
Qin Hao spread his hands: "I would like to go to the public affairs department, but do you think Zhu Qiang will let me go?"
"Then you were so impulsive a few days ago."
"It's not impulsive. Anyway, based on my previous performance, it's never my turn. If you quarrel, just quarrel. It's no big deal."
Cheng Jiayuan asked Hu Yue cautiously: "Hu Yue, what about you? Which department do you want to go to?"
"Me? Anywhere will do. Anyway, I'm not as ambitious as Tao Wuji, but he is about to go to the public ministry. From now on, our 'Four King Kong' will become the 'Three Musketeers'" Hu Yue regretted
The way.
When Tao Wuji heard this, he said nervously: "Shh, this has nothing to do with it, don't talk nonsense."
"Anyway, you have the best performance in our business office. If you didn't go to the public department, there must be something shady." Hu Yue said nonchalantly.
Qin Hao noticed that Cheng Jiayuan had begun to sweat, so he patted his shoulder playfully.
"The air conditioner here in Chengjiayuan is so cold, why are you still sweating?"
"But, maybe I'm more afraid of heat." Cheng Jiayuan explained stumblingly.
"Really? Isn't it because of puffiness? It's better to find an old Chinese doctor to take a look."
Only then did Cheng Jiayuan realize that Qin Hao was teasing him, and just as he was about to fight back, a middle-aged man with a Chinese character walked into the small venue surrounded by bank leaders.
"Zhao Hui, is it really Zhao Xing who organized the mobilization meeting for us?"
