Rebirth of the Rich Second Generation's Growth Diary

Chapter 145 Let’s go, boss. This is the meaning of learning! [Please give me a monthly pass at the end of the month! ]

Although Tang Qiaoning had imagined many possible scenarios before following Li Xu to the bank, she was still a little nervous when she actually stepped into this gorgeously decorated and air-conditioned bank lobby.

In the hall, the marble floor is as smooth as a mirror, reflecting the light from the dazzling crystal chandeliers on the ceiling. Rows of neatly arranged seats are waiting for customers to come and handle business.

She used to brag in front of her dad about how capable she was, but the laundry business she had run with that scumbag Chen Feiyang ended in failure, which dealt a heavy blow to her.

The final conclusion is that it is better to work with reliable people.

There is no doubt that this reliable person can only be Li Xu, and this is indeed the case.

So after officially joining Li Xu's team this time, Tang Qiaoning imagined many exciting scenes, becoming a sharp sword belonging to Li Xu, invincible in the business battlefield.

She was not good at coordinating the overall situation, but if it was just like last time, getting a mature product and then selling it, Tang Qiaoning was confident that she could do it.

For people, the most difficult thing is to find their own position. Once you find it, you can achieve twice the result with half the effort.

But unlike the last freshman survival package, this time we are facing real people in society, and it is a bank that often deals with businessmen.

Although she had made some preparations under Li Xu's arrangement, she still couldn't help feeling a little nervous at this moment.

Li Xu and his team came to the Capital City Branch of the Agricultural Construction Bank of China, which is a high-level institution of the Agricultural Construction Bank of China.

Li Xu had naturally done his homework on this point. Unlike credit cooperatives, the Agricultural Construction Bank of China is a unified legal entity, which means that there is only one Agricultural Construction Bank of China in the country, and all the Agricultural Construction Banks under it are its branches.

Credit unions are generally called credit unions, which are large, unified and independent organizations formed by the union of independent legal entities.

The Capital Branch of the Agricultural Construction Bank of China coordinates and manages the business of the Agricultural Construction Bank of China in the entire capital, which naturally includes several branches near Peking University and Tsinghua University.

The only way to access their system is at the branch level.

Li Xu and Tang Qiaoning arrived at the business hall and were immediately greeted by a customer service manager. The manager, dressed in a neat business suit and with a standard smile on his face, asked, "Hello, what can I do for you?"

Tang Qiaoning stepped forward and said to the account manager, who was not much older than her, "We're here to discuss cooperation."

The other party almost laughed out loud, but seemed to realize that it was not very polite and restrained his expression slightly.

Some of them looked at Tang Qiaoning and Li Xu curiously, then asked with a professional smile, "What kind of cooperation do you want to discuss?"

Tang Qiaoning's emotional intelligence wasn't low either, so she could naturally sense the other party's contempt. She said, "You probably can't decide this. Could you take us to meet your leader?"

The other party's expression changed slightly. After all, he hadn't even made his purpose clear, so how could he rashly bring the person to see his leader? If he was just fooling around, he would inevitably be scolded by his leader again.

The account manager questioned it for a moment before politely declining, "I'm sorry, our leader is in a meeting. How about this? Tell us what you want to do with our leader first, and I'll report to you. Okay?"

Li Xu looked at the account manager with some approval. The other party's answer was thoughtful and appropriate. From the perspective of the account manager, it was indeed quite good. After all, he was at the level of the city branch and they were all smart people.

Tang Qiaoning was about to say something when Li Xu gently pressed her shoulder, stepped forward and said, "Hello, we're from Peking University and Tsinghua University. We have a bank card application that involves all of our faculty and students, and we'd like to discuss it with the relevant leader. If the leader is busy right now, we can go to the Postal and Workers Bank first and come back later."

After saying that, Li Xu planned to pull Tang Qiaoning away.

The account manager's eyes flickered with a hint of brilliance, and he quickly said, "Well, wait a moment. You can have a glass of water first. I'll report to the leader right away."

Just kidding. If I lose a possible business order because of my own self-willed refusal, I will be scolded to death by my boss.

After saying that, the account manager turned and walked to the water dispenser beside him, skillfully poured two glasses of water, and carefully handed them to Li Xu and Tang Qiaoning. Then he walked towards the stairs as fast as he could and went upstairs to report to his leader.

Tang Qiaoning looked at Li Xu with some admiration.

Li Xu said to Tang Qiaoning earnestly, "When conducting business negotiations in different places, you must understand their needs and present them immediately. Don't keep them in suspense. For example, banks care about business. They spend so much energy on marketing and account openings, and this is where you can manipulate them. So, you must tell them right away that we are here to open bank cards for all the teachers and students in the school. Even for a city-level branch like this, this is a huge business. Even if they are in a meeting, they must come immediately. Everyone's time is valuable."

Tang Qiaoning nodded thoughtfully and said, "I understand."

Not long after, the bank's vice president, a middle-aged man named Ma, dressed in a neat suit and polished leather shoes, walked with steady steps and invited Li Xu and Tang Qiaoning to his office for a detailed discussion.

The office is luxuriously decorated. Behind the large desk is a row of bookshelves filled with various financial books and honorary certificates. There is a comfortable sofa, an exquisite coffee table, and a small bar next to it, which is stocked with a variety of high-end teas and coffees.

The president of a city-level branch is considered a senior executive in their system, and he has a strong aura and airs.

Tang Qiaoning followed Li Xu into the office and could already feel the aura.

She subconsciously glanced at Li Xu, but saw that Li Xu's face was calm and his steady temperament immediately dispelled the other party's condescending aura.

President Ma smiled and said, "Please sit down."

Li Xu didn't hesitate and sat down on the sofa. He then said straight to the point, "Hello, President Ma. I am Li Xu, a sophomore from the School of Management at Peking University and Tsinghua University."

He took a document from Tang Qiaoning and said, "We are developing a brand new campus card. Our idea is to allow users to top up their campus cards directly through online payment and check their balance via text message."

President Ma is not from a technical background, and he has no idea how to implement the function that Li Xu mentioned.

However, he keenly sensed the benefits that this function would bring to their bank's business if it were implemented. There was no doubt that this could greatly promote the card opening rate and transaction flow of China Construction Agricultural Bank.

President Ma immediately became enthusiastic. He stood up and personally took two exquisite cups from the cabinet next to him. He poured tea for Tang Qiaoning and Li Xu and said, "This sounds like a win-win situation. Let's discuss it in detail."

Then he stood up, walked to the phone, made a call and said, "Xiao Chen, call the director of the Information Department over."

After hanging up the phone, President Ma smiled and said, "Please wait a moment. I don't understand the technical issues very well. We need our professionals to discuss them with us."

Li Xu nodded, and then, in order to avoid an awkward atmosphere, President Ma sat down and took the initiative to talk to Li Xu.

It is easy to find topics. After all, Peking University and Tsinghua University are topics that can generate a lot of content.

President Ma started with Li Xu’s university, asked some questions, and chatted for a while, and they got to know each other.

Although Li Xu was only a sophomore, he had the experience of his previous life after all, and he had been with his father since his freshman year, and had met too many similar people. Naturally, he would not be intimidated when facing President Ma. He always maintained a polite and neither humble nor arrogant attitude when communicating with President Ma.

Tang Qiaoning observed carefully from the side without saying a word.

Soon, the director of the Information Department came over.

The director of the Information Department who walked in was an older young man wearing glasses. He looked to be in his thirties, with a hooked nose, and gave people a very shrewd look.

After a brief introduction, President Ma asked the director of the Information Department to talk to Li Xu, while he sat on the sofa nearby, watching with a smile.

The director of the Information Department's surname is Yuan, and his name is a single character.

Being able to get a position as the director of the information department of the capital branch naturally requires more than just outstanding skills.

After briefly understanding Li Xu's plan, he pushed up his glasses, then slowly pointed at the coffee table and said, "Student Li Xu?"

Li Xu's eyes flickered slightly, he realized that the other party was about to make a move. From the moment the director of the Information Department came in, Li Xu felt that the other party was not easy to convince, but he was not in a hurry, ready to see how the other party planned to make an attack.

Yuan Tong slowly said, "The core of your business is to connect to our bank's core system."

He paused, then slowly continued, "But the China Banking Regulatory Commission has a clear stipulation that access to the bank's core system is prohibited without approval."

Tang Qiaoning stood aside, her eyes flickering. She subconsciously glanced at Li Xu, not because she was worried, but on the contrary, she admired Li Xu's preparation.

Li Xu had asked her to prepare some things before, one of which was related to this.

When Li Xu heard Yuan Tong's words, his expression did not change, he just gave Tang Qiaoning a look.

Tang Qiaoning immediately understood and selected a document from her briefcase.

Li Xu took out the document, slowly placed it in front of Yuan Tong and said, "Director Yuan, this is the document you are talking about, right?"

Yuan Tong was stunned for a moment, then frowned slightly, and soon realized that the other party was indeed well prepared.

He nodded and looked at President Ma next to him. Seeing that President Ma had no expression, Yuan Tong said, "Yes, it is this document. It has clear regulations. Since you have already read this document, I believe there is no need for me to say more."

Yuan Tong looked up at Li Xu and asked, "So how do you plan to resolve this conflict? Are you going to contact the China Banking Regulatory Commission directly?"

Li Xu sneered inwardly. The essence of negotiation is gaming, and gaming involves devaluing the other party's strengths and exaggerating their weaknesses, while simultaneously doing the opposite for your own. This creates a huge disparity and facilitates a price premium. As long as the negotiation is successful, it means none of these issues are a problem. If Li Xu hadn't done his homework beforehand, he might have been fooled.

Before this, Li Xu had considered all the difficulties that would be encountered in the process of communicating with the bank and the corresponding solutions, and asked Tang Qiaoning to be adequately prepared.

Li Xu remained calm when the other party raised this question. He slowly flipped to the fourth page of the document and pointed to a line of words, saying, "The China Banking Regulatory Commission only stipulates that these types of funds must be approved. However, if we use 4899 to access them, there will be no problem."

When Yuan Tong heard the number "4899", he was stunned for a moment. Then, his face changed visibly and he asked in surprise: "How did you know this code?"

President Ma showed a puzzled expression and asked, "What is 4899?"

Yuan Tong then frowned and explained: "The code for public utility fees."

Li Xu smiled and simply explained, "I have an acquaintance who works at a bank."

You should know that this code is actually not difficult.

The system used by banks when handling business for customers corresponds to a string of digital codes for each business. For example, if you want to deposit money or withdraw money, it would be very troublesome to search for these different businesses by typing, so they are all simplified into digital codes.

An excellent front desk teller has at least dozens of commonly used business codes in his mind. The four, eight, nine and nine are not the codes for front desk business, but the codes for back-end financial accounts, such as public utility fees.

Li Xu said, "According to regulations, as long as the public utility fees are recorded, regulatory restrictions can be avoided."

The reason why Li Xu said the code number in front of Yuan Tong instead of directly saying the public utility fee was also meaningful.

Strictly speaking, these business code numbers are not confidential. If you are interested, you can find out through various channels.

Using codes instead of utility fee account names is a way of telling the other party: "I'm familiar with your bank's procedures and regulations. Please don't use this information gap to play tricks on me."

As expected, Yuan Tong realized that Li Xu was very clear about their business. After thinking for a moment, he nodded and said, "Using public utility fees for access is reasonable, but it has never been done this way before. We need to discuss it."

He looked at President Ma and said, "President Ma, right?"

President Ma just nodded.

At this point, Li Xu had understood one thing. When he explained the entire plan clearly to President Ma, the other party actually had a scale in his mind as to whether to cooperate or not, and probably agreed. Now their negotiations were more about paving the way for the final division of rights and interests.

Thinking of this, Li Xu immediately perked up and prepared to see what other tricks the other party would use.

As expected, after carefully reading Li Xu's materials, Yuan Tong quickly noticed a loophole. He suddenly raised his head and said, "These funds will enter a funding pool..."

He narrowed his eyes and looked at Li Xu. "According to the current management regulations, this is not in compliance with regulations. You don't have the qualifications to do so."

Hearing this, a smile appeared on Li Xu's face, and Tang Qiaoning looked at Li Xu with some admiration.

It can be said that Li Xu had already seen through the two questions raised by Yuan Tong. Just now in the car, Li Xu had mentioned the flaws that the other party might raise, but he did not expect that they would be verified so quickly.

Solving the qualification problem is actually very simple. Both Li Xu's father and Tang Qiaoning's father can help with this matter. However, Li Xu's business this time is intended to participate in the upcoming entrepreneurship competition. Once the resources of the family business are used, there is no way to pass the qualification review of the competition.

Li Xu looked at Tang Qiaoning, and Tang Qiaoning nodded.

He took out another document from the briefcase. This document was made overnight by Li Xu in the office of the School of Management. He placed it solemnly in front of Yuan Tong. The red words "School of Management of Tsinghua University" were eye-catching.

Yuan Tong only took a glance and clearly understood that the other party was not only well prepared, but also knew all of their tricks.

Li Xu smiled and said, "Our college has established a dedicated management account, which is under the dual supervision of the college and the university's finances. The use of funds will also be managed by the School of Management of Peking University and Tsinghua University. There will be no compliance risks, and naturally no regulatory policy risks. Please rest assured, Director Yuan."

There was silence for a few seconds after the topic came to this point. Yuan Tong looked through Li Xu's materials again, then put them down with some helplessness and looked at Vice President Ma. His eyes seemed to say, Boss, I have found all the ways to help you lower the price, but the other party really has no flaws.

President Ma was silent for a moment, then smiled and asked, "From a technical perspective, is it difficult to connect to our system? Is it expensive?"

Yuan Tong was about to speak, but suddenly remembered that Li Xu was from Peking University and Tsinghua University. He must know whether this thing was difficult or not. So he hesitated for a moment, and said honestly: "It's just a matter of working overtime. It's easy to do."

President Ma nodded, stood up and said with a smile, "It's true that heroes emerge from youth. When I was your age, I couldn't even use a computer, let alone start a project."

He extended his hand and said, "Then we have a good time working together."

Li Xu felt extremely emotional.

At this moment, the significance of studying hard after rebirth is fully demonstrated.

If he was still the ignorant self in his previous life, even if someone helped him complete the project, he would be ripped off when he came to negotiate with others because he did not understand the policies.

Or maybe, just now, when Yuan Tong was answering Governor Ma, he boasted about how difficult it was to develop this function.

But precisely because I understand, even though I am not an expert, the other party cannot fool me about these details.

He took a deep breath, feeling extremely proud.

At this point, he was completely certain that the path he had chosen after his rebirth was correct!

After working so hard for so long, the harvest season is finally here. His eyes sharpened, and only at this moment could he confidently say that he is no longer the Liu Adou who could be manipulated by anyone in his previous life!

But the matter at hand wasn't over yet. The other party had already made two moves, but Li Xu hadn't yet made one. Li Xu smiled and said, "Yes, it's a pleasure to work with you. However, we still need to discuss the details of how to work together."

President Ma smiled again, "Yes, yes. I'll have the director of our business department and the director of the information department talk to you in detail."

Li Xu nodded and said with a smile, "The next step for our project is to classify all access control systems in the entire school. In other words, our campus card is a rigid and necessary product that covers 200,000 daily active users. Our goal is to connect to all banks in the capital."

Upon hearing this, President Ma's smile froze.

Tang Qiaoning watched Li Xu from the side, her eyes full of the look on Li Xu's face during the negotiation.

She looked at President Ma and Yuan Tong with some pride. They had been so majestic just now, but she didn't expect that Li Xu's words would make them change color.

For the Agricultural Construction Bank, this project can only make money if they have exclusive access. If they cannot have exclusive access and all banks are connected to this system, it will be equivalent to having no marketing. However, if they do not get involved, it will be a waste of such a large market share.

You know, judging from the attitude of Li Xu and his team, they are planning to promote this system. We are not fools. If this system is really promoted in all the universities in the city or even on a larger scale, the loss will be even greater if we don't participate.

Now Li Xu has completely turned the tables, and this is an open conspiracy, a naked open conspiracy.

President Ma was silent for a moment, then smiled and said, "Little brother, is your family in business?"

Tang Qiaoning looked at President Ma with some surprise. It was surprising that he could judge people so accurately.

In fact, this is not difficult to guess. After all, Li Xu has already introduced himself as a student of the School of Management. If you study in the management school of a top university, there is a high probability that you are either rich or noble. If your family does not have some money, why would you study financial management?
Li Xu didn't hide it, nodded, and said, "My father runs a small business."

President Ma laughed and said, "You don't seem like a small business owner."

Indeed, whether it is the targeted preparations made in the early stage, the completion of the project, or the grace and skills displayed during the negotiation, they are far from what a so-called small businessman can show.

President Ma got the answer he wanted and stopped playing tricks. He said seriously, "Little brother, since you know our bank's tricks, I won't keep you in suspense. We want exclusive access. I hope your system will only support our Agricultural Construction Bank. As you know, our Agricultural Construction Bank has the most users in China. This is a strong alliance, a perfect match. As for the terms, don't worry, there will definitely be no better terms than our bank."

Li Xu looked at President Ma's sincere expression and smiled secretly.

The negotiation between the two lasted for more than two hours. At this point, some details had basically been finalized, and the next step was to wait for the system to be developed.

When I came out of the Agricultural Construction Bank and just walked to the gate, the sun was shining outside and the streets were busy with cars and people.

Tang Qiaoning looked at Li Xu's back, and suddenly jumped onto his back with cheers: "Great, Li Xu, you're really amazing."

Li Xu felt Tang Qiaoning's fragrance coming from behind him. She had a great figure and her weight was just right when she lay on his back.

Li Xu intended to pat Tang Qiaoning's legs to get her down, but he didn't expect that the pat would hit her butt directly. Li Xu's eyes suddenly widened, but he pretended to be calm: "Get down..."

But Tang Qiaoning stopped talking at this time. She remained silent, and put her hands behind her back with a serious and aggrieved look, gently pressing the back of her hands on the place where Li Xu had just patted her.

Li Xu feigned ignorance and continued, "See? We can't give Agricultural Construction Bank the exclusive access they requested because it would make the students' experience less than ideal. But on that basis, we're giving them twenty days' notice to access the platform. It's a kind of balance. You should also use this technique when negotiating with others in the future. Uh, what's with that expression on your face? Am I wrong?"

Tang Qiaoning listened absentmindedly, turned around silently, walked to the side of the car and said, "Let's go, boss."

(End of this chapter)