money is not guilty

Chapter 79

Wang Chong quickly turned the car around and returned to Ma Xiaoxiao's residence.

Ma Xiaoxiao stood at the door, not daring to enter the house. When Wang Chong came, she finally settled down and shouted, "Wang Chong, look at my house."

Seeing that Ma Xiaoxiao's door lock seemed to be damaged by heavy objects, Wang Chong thought that the current thieves were too arrogant, so he just forced his way in.However, most of the people living in this community are young people. During the Spring Festival, most people go home for reunion, and there are not many people at this time.Wang Chong pushed the door open and entered, and saw that the house was turned into a mess, with clothes and jewelry scattered all over the floor.

Wang Chong asked Ma Xiaoxiao to check if there was anything missing, and he called the police himself.Donghua City's public security system was very efficient in dispatching police. In less than 15 minutes, two policemen came to investigate.

Ma Xiaoxiao checked carefully, and found that none of the famous watches, jewelry, and brand-name bags at home were missing, and said, "It's strange, nothing was missing at home?"

The policeman asked, "Have you messed with anyone recently?"

Ma Xiaoxiao shook her head. I have only lived in this community for more than a year. I am very busy with work at work on weekdays. This home is actually just a place to stay. Except for coming back to sleep every day, I seldom socialize with others. Not to mention fighting with people.

There were so many precious things in the house that they didn't take away, but they turned the house into a mess. Obviously, the people who broke into the house seemed to be looking for something.

"Will someone play a prank?"

Ma Xiaoxiao said, "If it's a prank, don't you need to turn my house into this?"

The police checked around again, and went to the monitoring room to retrieve the video, and found that no one in particular was in this community.Since Ma Xiaoxiao didn't lose anything, the police took notes for the two of them, gave them general advice, and then left.

Wang Chong helped Ma Xiaoxiao tidy up the house, so he left.Ma Xiaoxiao said: "Wang Chong, I am afraid here."

Wang Chong thought that Ma Xiaoxiao's home was stolen, and it would not be safe for her to live here alone, so he said, "Xiaoxiao, otherwise, you can move to live with me."

Ma Xiaoxiao said, "You have finally enlightened."

Wang Chong said: "The last time I let you live in, you must agree, now it's over."

Ma Xiaoxiao said displeasedly, "I don't agree, so you won't invite me more times, maybe this lady agreed when she saw that you were eager and soft-hearted?"

Wang Chong stepped forward and tried to touch her heart, "Let me see if Miss Ma's heart is soft." Ma Xiaoxiao hurriedly dodged and said with a smile: "Wang Chong, we can make an agreement for three chapters, I will live with you Yes, but you can't mess around."

Wang Chong deliberately asked: "What is disorder?"

Ma Xiaoxiao said unhappily, "You know what you're asking, scoundrel!" Even so, she quickly packed up her things, including cleaning supplies, a change of clothes, bed sheets, and bedding, and packed three big luggage full of them. Trunk, stuffed Wang Chong's trunk and the back row to the brim.Wang Chongxin said that a woman has so many things, when she moved house by herself, a suitcase could handle everything.

Wang Chong called someone to change a heart lock. After thinking for a while, he said, "From now on, you will live with me. You don't come here often. I think it's better to install a camera."

Ma Xiaoxiao said: "Who says you want to live permanently, I will go out and live for a few days, if you treat me badly, I will move out at any time." Wang Chongxin said that it is not so easy to leave with so many things in your trunk, haha !

Wang Chong had a client who was in the business of security equipment. He lost a lot of money in the business and couldn't transfer the funds, so he found Wang Chong from the small and micro department.As soon as I dealt with the boss, I found that this person has good business ability and good service attitude. During the business negotiation, the customer made an after-sales call, and he dragged Wang Chong to the scene without saying a word, so he made a sum of 30 yuan for him. The credit loan, but within three years, the boss not only turned around, but also connected orders from several large chemical factories. Now not only has the loan been repaid, but he has also become the top three security equipment company in Donghua City.Later, the customer took 2 yuan to thank Wang Chong, but Wang Chong sternly refused. Instead, he asked them to open a settlement account with Donghua Bank. Every year, there are several million in the account on average.

Wang Chong called the other party and expressed his idea of ​​installing a set of surveillance equipment. Within half an hour, the boss brought three employees and equipment to Ma Xiaoxiao's residence.

Wang Chong said: "I'm really sorry for calling you here during the Chinese New Year, Brother Li."

Boss Li laughed, "My wife and children went on a trip to Hainan. Anyway, I have nothing to do at home, so I just came to visit friends. Besides, I haven't visited you since you became the president. Back then, you helped It’s only right for me to come here.” He glanced at Ma Xiaoxiao, his eyes lit up, and he praised, “Are these younger siblings? You really have discernment.”

Ma Xiaoxiao smiled slightly and poured tea for the two of them.

Boss Li said: "President Wang, I have installed a set of smart home equipment for you this time. The whole house has no dead-end monitoring, and it can be controlled remotely. You can check the situation in your home through the mobile APP."

Wang Chong asked, "How much?"

Boss Li said: "You took such good care of me back then, why are you talking about money now? I came here to recognize you as a friend. If others want to pretend, they have to wait until after the fifteenth day of the first lunar month, ha!"

Wang Chong firmly disagreed, and finally gave a cost price of 1 yuan.In less than an hour, the equipment was installed, and Boss Li installed the app on both Wang Chong and Ma Xiaoxiao's mobile phones. After teaching them how to use it, he left with a few workers.

Back in Yujing Dongfang, Wang Chong helped carry the salute upstairs. Ma Xiaoxiao took a fancy to Wang Chong's bedroom. This bedroom faces the sun, with a park outside and a lake view in the distance. Wang Chong rushed to the second bedroom next door, which made Wang Chong feel very depressed.

"Xiaoxiao, look, this bedroom is quite big, if it's really not possible, let's squeeze together."

Ma Xiaoxiao glared, "What a beautiful idea? This house will be my girl's from now on! You go out, I have to change clothes." Wang Chong took a beer, sat on the sofa and watched TV, his mind was full of horses. In the picture of Xiaoxiao, after a while, Ma Xiaoxiao went to take a shower, changed into her pajamas, and walked around the living room humming a song. Wang Chong was upset by her tall figure and uneven lines. chaos.

"Wang Chong, what are you looking at?"

CCTV International's political news was broadcasting on TV. Ma Xiaoxiao sat beside her and watched it for a while, feeling bored, so she grabbed the remote control, found a Korean drama, and watched it with gusto.

Wang Chong has no feelings for this kind of love, and always feels that it is okay for this kind of TV drama to trick little girls into tears. At this age, it seems a bit silly. He is preparing to read in the study and prepare things for tomorrow's meeting. In the end, Ma Xiao Xiao stopped, "Why don't you watch with me."

"I want to work."

"I don't care. Otherwise I'll cry for you."

Wang Chong had no choice but to sit down and watch with Ma Xiaoxiao for a while. The plot was probably that the rich male protagonist and the poor girl came together because of non-money love, and then there were family conflicts, family competition for property, or one of them got it. Although terminally ill, a rotten street routine, is not interesting, it still has many fans in the market.

The scene where the overbearing and unreasonable mother-in-law made things difficult for the heroine was being shown on TV. The heroine was wronged and quarreled with the heroine. Wang Chong yawned a little while watching it, but Ma Xiaoxiao burst into tears and said: "Wang Chong, if your mother and I fall into the river, who will you save first?"

Wang Chong thought that Ma Xiaoxiao usually looked very smart and independent, so why would she ask such silly and sweet questions? Do all lustful women like to ask this question?This question implies a mystery, the answer is to save your mother first, if you don’t love her, save your girlfriend first, you are not filial, it is clearly a proposition, Wang Chong secretly called for help, thinking that I am famous in my life, how can I get to this point .

Thinking of this, he scratched his head and asked Ma Xiaoxiao, "Who will fall in first?"

"Fall into the river at the same time!"

Wang Chong asked again: "Is the river deep?"

"Is this important?"

Wang Chong said: "Of course it's important, you are 1.7 meters, my mother is only 1.6 meters, if the river is shallow, of course I will save the shorter one first."

Ma Xiaoxiao said angrily, "The water is five meters deep!"

Wang Chong asked: "Which river?"

"Why are you like this? I asked who would you save first if you fell into the river, and you asked me which river, is it interesting? Come on, if your girlfriend and mother fall into the river at the same time, who would you save first?"

Wang Chong shrugged, "Then you go ask if, I'm not if, how do I know who he will save first?"

After saying those words, Ma Xiaoxiao was so angry that she yelled and slapped Wang Chong with a hammer, "I'll let you argue, you scoundrel!" Wang Chong ran into the room with his head in his arms, and Ma Xiaoxiao Asking him to open the door, Wang Chong poked his head out and said with a smirk, "Private territory, come in at your own risk, okay?"

Ma Xiaoxiao hurriedly backed away, snorting coldly, "I don't care about you." She went back to pack her luggage, opened the cupboard in the next bedroom, and suddenly saw a wedding dress hanging in the cupboard. She almost exclaimed, she quickly covered her mouth, but her eyes were filled with tears of happiness.

Wang Chong seemed sullen, but he actually cared about himself very much. He only tried it on once, so Wang Chong secretly bought this wedding dress. Ma Xiaoxiao couldn't help but want to try this dress. But after thinking about it, if Wang Chong put it on for herself, then she must be the happiest woman in the world.She closed the cupboard, tiptoed back to the room, lay on the bed, giggling.

The next morning, Ma Xiaoxiao got up, Wang Chong ran back in the morning, breakfast was ready, today was the first day of work, Wang Chong said with a sense of ceremony: "I have eaten you for more than three years in the four years of college, in order to celebrate On the first day of our cohabitation, I specially prepared breakfast for you."

Opening the lid, it turned out to be tofu nao and fried dough sticks. Ma Xiaoxiao said, "On such a grand day, you just want to use tofu nao and fried dough sticks to deal with me. Wang Chong, you are too stingy, right?"

Wang Chong chuckled, "You also know that I'm not good at cooking. Why don't you run back and go to Yonghe to buy something to eat? I'll buy a cookbook later, so I can study cooking carefully."

Ma Xiaoxiao waved her hand, "Forget it, I don't believe in your craftsmanship. In the future, this kind of work will definitely be mine again. Unexpectedly, I, Ma Xiaoxiao, who does not touch the spring water with my fingers, will dry-clean clothes, cook, mop The work in the land has become a yellow-faced woman, no one wants it, hehe..."

Wang Chong said: "Then how can I be willing?"

Ma Xiaoxiao chuckled, "Then all the housework will be yours!"

Wang Chong was speechless.

Ma Xiaoxiao grinned as she ate breakfast, testing Wang Chong while eating, "Wang Chong, after I moved in, I have a lot of clothes, and the cabinets at home are not enough. Do you want to buy another wardrobe?"

Wang Chong said that there are quite a lot. There are five or six sets of cabinets at home, and I can't even use one by myself.Ma Xiaoxiao also said that there is a closet next door, and I plan to use it to store clothes, is that okay?

Wang Chong said oh, and said that you can use it as you like.

Ma Xiaoxiao went to the bathroom, and when she went to look at the cabinet again, she found that the wedding dress had already been hidden by Wang Chong. Ma Xiaoxiao secretly laughed, and said to see how long you want to keep it from me.

As soon as he left the house after breakfast, Wang Chong received a text message, informing all branch presidents and department heads to go to the head office conference room for a meeting. This is Lin Tianhua's usual routine.

On the first day of work, a meeting was held. In addition to looking forward to this year's work, Lin Tianhua would arrange some trivial and detailed tasks for the whole bank, such as submitting work plans, writing opinions on the bank, arranging daily tasks, and even arranging middle-level and above cadres. Do some things in person, etc., in this way to fully mobilize the employees, keep them busy, and quickly enter the working state, so as not to be like other companies, after the fifteenth day of the first lunar month, the employees are still out of state.

As soon as the meeting ended, Donghua Bank was busy from top to bottom. The various departments of the head office began to issue explicit orders to the branches, and the presidents of the branches also began to arrange work for the deputy on site or remotely, so that they would not be idle at first.

Wang Chong returned to the sub-branch, convened a meeting with all the employees of the bank, conveyed the spirit of Lin Tianhua's work meeting at the beginning of the year, broke down some of the work arranged, arranged for the office to supervise various departments, and then took Zhang Feifan to find Liu Xueyi.

Liu Xueyi contacted him a few years ago and planned to cooperate with the bank to start the comprehensive membership service business. They planned to build a comprehensive service center. Integrating together, let car buyers join the membership and pay a one-time maintenance fee of 2 yuan for three years. In addition to car maintenance, each consumption can be exchanged for the same amount of points, and then the points can be returned to refuel and exchange for organic vegetables. , supermarket shopping, etc., you can also enjoy free hot springs, accommodation, etc.

Liu Xueyi wanted to give a loan to a client by pledging a certificate of qualification. At the end of the year, there were many things in the industry, so it was delayed until the next year. Today, as soon as he went to work, Liu Xueyi called Wang Chong and invited him to come over for inspection.

Wang Chong felt that the model was a bit novel, which was good for customers, but he couldn't see where the profit point was, so he planned to go there himself.The meeting place was a new resort built by Liu Xueyi not far from the BMW 4S shop in the suburbs.

When the two came to the resort, Zhang Feifei said, "This resort used to be owned by a boss named Hou. It is said that he ran away due to loan sharks last year. For some reason, it was transferred to Liu Xueyi's name." Wang Chong said it was simple. Check it out.He turned on his mobile phone, and after a little bit of Baidu, he found a piece of information about the lawsuit from the original owner of the resort. He also knew the plaintiff. It was Liu Xueyi's financial manager who demanded that the resort be sealed up and transferred to their name.

Liu Xueyi was meeting a client, and the staff took the two of them around the resort and found nothing special.After half an hour, Liu Xueyi came to see the two, "It's a crime to call the two of you over just after the new year! I was talking about cooperation with President Zhao of Minfeng Bank just now. Come on, sit down and have a drink." Tea!"

Wang Chong got straight to the point, "The thing Mr. Liu said about cooperation years ago, and the materials your financial manager gave me, I simply flipped through it, but I didn't understand it, so I brought Xiao Zhang here to learn it."

Liu Xueyi laughed, "This is also a new model I've come up with recently. I just bought a hotel here, and I can't attract many customers in the suburbs. After thinking about it, it's better to make it a membership-based activity center and use my 4S The store business has driven this place, and at the same time, I have contacted some supermarkets and gas stations in various urban areas to become my chain store. Don’t your banks pay attention to comprehensive services? We also learn from others to stimulate business.”

Wang Chong said a little strangely: "I know that your car maintenance profits are very high, but it's only about 50%. Members pay 2 yuan in maintenance fees, and your profit is only 1000 yuan, but it's points equal to face value for customers. How can it cover the cost of shopping in supermarkets, resorts, and gas stations? Especially gas stations, if customers choose to spend all [-] points on gas, wouldn’t you be at a loss?”

The financial manager said: "The resort is ours in the first place, and there is no cost. This point can be ignored. Whether it is a franchised supermarket or a gas station, we have limited each usage quota for them, which can basically cover the profits. It can be said that , but from the perspective of profit, this magician has no profit, but we can use the membership model to collect cash flow, buy financial products, and the interest alone is almost enough for us.”

Wang Chong still felt that something was wrong, and asked, "How long has your membership system been launched?"

"It will be launched in November at the end of the year. At present, more than 500 members have been recruited. The membership fee ranges from 1 to 5, and the bonus points are also different. At present, nearly 2000 million cash flow has been collected. Downstream franchise stores, We can settle accounts every six months, and this model is still working.”

Liu Xueyi smiled and handed over the promotional leaflet of their model.

Wang Chong studied it carefully. From the customer's point of view, they recharge their membership, they can do maintenance services normally, and the extra points can also go to refueling, accommodation, and shopping. They are definitely willing; from the perspective of franchise stores, customers rely on Points are used to spend, and Liu Xueyi will settle the bill at that time, which is equivalent to having a group of customers, so he is naturally willing.The only problem is that this model Liu Xueyi can't make a profit at all.

But Wang Chong saw that Liu Xueyi was full of energy, so he didn't talk about Shenmen.As for cooperation, Liu Xueyi provides loan facilities for new car buyers, and at the same time wants to use the certificate of qualification as a pledge to raise part of the funds from the bank in order to quickly occupy the market.

Coming out of the resort, Wang Chong asked Zhang Feifan, "What do you think of this model?"

Zhang Feifan said, "It's very good. If I buy a car from here, even if I spend an extra 2 yuan, I will add a membership, so that the maintenance fee for the next few years will be eliminated, and the 2 yuan can be used as equivalent cash." go shopping."

Wang Chong asked, "This is such a good thing, of course you are willing."

"What, master, is there a problem?"

Wang Chong recalled the matter involving their financial manager's lawsuit, and a flash came to his mind, "If they use this money to lend usury, on the premise of no accidents, maybe they can cover the cost."

Zhang Feifei suddenly said: "No, I joined the membership and paid 2 yuan. I definitely can't spend it all at once. Even if the car runs diligently and maintains 2000 yuan every quarter, there are only 2000 yuan points. I have to spend the 2 yuan." It will take at least two and a half years. With this model, it is difficult to make a profit, but it is very easy to quickly gather a sum of money in a short period of time!"

Wang Chong secretly praised in his heart, just as he figured out this link, Zhang Feifan also thought of it, this kid's ability has improved by leaps and bounds after being instructed by himself, thinking of this, he is quite proud.

"Okay, you kid can become a teacher!"

Zhang Feifei said: "Master, are you going to abandon me? I still have a lot to learn from you!"

Wang Chong said unhappily, "Don't be poor, we should intervene cautiously in this business, and at the same time inform the channel department that the business of Liu Xueyi's 4S stores will also be suspended for a while."

But he secretly regretted that he didn't have a bad impression of Liu Xueyi before, and Liu Xueyi also supported him a lot. He didn't expect all the things before, but he just wanted to please and use him deliberately.

When Wang Chong returned to the sub-branch, he heard a few people talking about it. When he saw Wang Chong came back, they all fell silent. Wang Chong felt strange. Not long after, Su Lei came over and said, "Wang Xing, President Liu has applied for retirement! "

Wang Chong wondered, "Which President Liu?"

"President Liu Jianguo! It is said that he submitted his resignation letter to the board of directors early this morning, resigned from the position of director of the board of directors, and submitted an application for retirement to the human resources."

Wang Chong was surprised. Liu Jianguo was only 57 years old this year, so logically he was not yet at retirement age.Su Lei then added, "President Liu has worked for 35 years, and he applied for early retirement."

Wang Chong snorted. For so many years, the battle between Lin Tianhua and Liu Jianguo finally came to an end with Liu Jianguo's retirement.

This is also expected, Lin Tianhua is young and powerful, and has a lot of means. Over the years, he has used his power to continuously consolidate his position.Although Liu Jianguo has a deep relationship, he has always been a deputy, which is still inferior compared to him. If Tianma Group can succeed that time, there may be a chance, but it falls short.

When things got to this point, Liu Jianguo had no hope of making a comeback, so he might as well retreat bravely, and if he could retreat with his body, it would be a good start and a good end.

After all, he was his old boss. The next day, Wang Chong went to the head office to visit Liu Jianguo.After the last board meeting, Liu Jianguo was really depressed for a long time, and he hardly ever went out. After submitting his resignation letter yesterday, he felt much more relaxed. He was a little surprised to see Wang Chong coming to visit.

Liu Jianguo stood up, let Wang Chong into the room, and said, "Wang Chong, since I resigned, people have avoided me when they saw me. I never thought you would come to see me at this time."

Wang Chong smiled and said, "You are my old leader. You have dedicated your whole life to our bank. Now that you are retiring with honor, no matter how you say it, it is something worth celebrating."

Liu Jianguo waved his hand and said: "Hey, if I could become the president not long ago, maybe I would like to make a fuss. I broke up with President Lin this time, and I don't have the old face to stay here any longer. Instead of eating a vegetarian meal, Why don't you take the initiative to give up the talents and leave the opportunity to young people like you, and you can still get a good reputation. I have been busy all my life, and I finally have time to rest."

Wang Chong knew that he was unwilling, but in the current situation, it might be the best plan to apply for an internal retreat. Otherwise, Lin Tianhua would have various means to deal with him. Question: "Old leader, do you have any plans after retirement?"

Liu Jianguo said with emotion: "When I'm free, I really don't know what to do. This kid called from abroad and asked me to help take care of my grandson. I'm going to live with your aunt in Australia for a while. Hey, the place of life is not good. Familiar, what are you going to do?"

Wang Chong said: "Have you set a schedule? Why don't I invite my former colleagues to get together and see you off?"

Liu Jianguo laughed, "It's good if you have this kind of heart, see me off? Those people heard that I retreated, and they wished to separate from me one by one. If they saw me like a jackal, how would they dare to eat with me? That is, You, if it were someone else, Lin Tianhua would be the first to clean up."

Wang Chongxin said that was indeed the case. Lin Tianhua knew that he and Liu Jianguo were very close, but he never said anything.Now that Liu Jianguo has given up his arms and surrendered, he will not do anything to him, but others are different. Those who followed Liu Jianguo's footsteps will sooner or later be settled by Qiuhou. It is said that the head of the Sanjiang branch Qin was transferred to the head office yesterday. Although the Policy Research Office is transferred at the same level, this department is like the eunuch's baby, dispensable.

Wang Chong chatted with Liu Jianguo for a while, got up to say goodbye, and before going out, Liu Jianguo suddenly asked: "Wang Chong, I heard that you have a new girlfriend recently?"

Wang Chong was moved when he heard the words. He and Lin Tianhua were only in a working relationship. Lin Tianhua and Wang Chong had never talked about anything other than work. Liu Jianguo was different. In the past few years, he had introduced several girlfriends to him, but in the end they didn't make it.

For this, Wang Chong was very grateful. Hearing Liu Jianguo's question, he said, "It's my classmate from the university. They just got together recently."

Liu Jianguo snorted, "Hi, college students, you know the basics. You should cherish this hard-won opportunity, lest you regret it in the future."

Wang Chong always felt that this sentence was a bit awkward, but he didn't think too much about it. After saying goodbye, he walked out of Liu Jianguo's office.