Parker hurriedly shook his head: "This is definitely not good, since the loan is deferred, the interest should continue to be calculated, otherwise what will the bank rely on to eat?"

Niu Xiaoqiang put forward another quid pro quo: "As long as your bank accepts this condition, all the companies under my name will only conduct business in your bank in the future, although my company has no funds now, but it will definitely earn a lot of money in the future, we will deposit the money in your bank, which can increase your bank's capital reserves, so that you have more opportunities to lend and earn interest." ”

No matter which bank it is, pulling deposits is the number one priority. The strength of a bank depends mainly on the amount of capital it has.

The profit model of banks is very simple to say, they take deposits to get the principal, and then use that principal to lend. The interest rate of depositors is very low, generally only about 2 percent, but the interest charged by banks on loans to customers is very high, generally more than 5 percent, and banks make money through this method similar to buying low and selling high.

Of course, this is just one of the profit models, and many banks in the United States have set up investment departments in addition to this. They will invest in any sector that makes money, such as the stock market, funds, or real estate.

As the head of Citibank's Boston branch, Parker was himself assigned the task of pulling deposits. He is very optimistic about the hunter company, and thinks that this company is very promising, at least it is not a problem to make 10 million dollars a year. If Niu Xiaoqiang is willing to keep his money in his own bank, this will definitely be a good thing for Parker.

After thinking for a while, he nodded slightly: "If you include this clause in the VAM agreement, I can help you fight for interest-free benefits." ”

Niu Xiaoqiang laughed: "No problem, I'll draft the agreement." ”

According to the terms of the agreement, Niu Xiaoqiang will store all his funds in Citibank in the future, and once he opens an account with another bank, he will need to bear liquidated damages of up to 10 million US dollars. In return, Citibank will waive Packard Auto Company's interest for the next eight months.

In addition, Niu Xiaoqiang also specially added such a strange clause: Citibank must keep Niu Xiaoqiang's account information conservative, and without Niu Xiaoqiang's permission, it must not disclose Niu Xiaoqiang's personal account information to any unrelated person, otherwise it will also have to bear 10 million US dollars in liquidated damages.

Parker was puzzled by this and couldn't help but ask, "Why did you add this clause to it?"

Niu Xiaoqiang said with a smile: "I don't like to be in the limelight, I am a little sensitive to personal property status, and I don't want irrelevant people to know."

Parker hesitated, "What kind of people do you mean by irrelevant people?"

"Mainly my competitors and the news media. ”

Americans are very privacy-conscious, so Parker accepted the clause, and he nodded: "Then you make these two types of people clear, otherwise if the definition is not clear enough, it will bring unnecessary disputes to both parties." ”

Niu Xiaoqiang agreed, and quickly drafted the gambling agreement. Parker carefully checked it and confirmed that all the terms were not different from the previous negotiations, which was the sign on behalf of Citibank.

Niu Xiaoqiang smiled and stretched out his right hand: "Mr. Parker, you will definitely not regret today's decision, in the foreseeable future, you will reap far more benefits than you imagined because of this matter." ”

Parker was curious, "I wonder what benefits you mean?"

"Of course, it's a large deposit, I'm a very ambitious person, and it's not my pursuit to make a small fuss. ”

Americans are more flamboyant, so Parker didn't think Niu Xiaoqiang was too arrogant when he heard this. He smiled, "I hope so." ”

Niu Xiaoqiang said hello with a smile and turned to leave.

As soon as he walked out of the office door, Parker couldn't help but mutter, "This guy is really good, maybe he can really do something big in the future." ”

Recalling the whole process of Niu Xiaoqiang from appearing to leaving, Parker found that he was completely under the control of the other party, and everything was executed according to the other party's script, which shows how powerful Niu Xiaoqiang's scheming and wrist are. Such characters are indeed more likely to reap success.

When he was sighing, Barbara's voice came from outside the door: "Mr. Niu, are you done negotiating business?"

"Well, it's all settled. ”

"Would you like to go to the lounge for a coffee break?"

"Thank you Miss Barbara for your kindness, I have something to do, I'll talk about it next time. ”

"Oh, okay, I'll send you out. ”

Parker knew what Barbara was thinking as soon as he heard it, and he couldn't help but be impressed by the performance of this bank teller, and said in his heart: I really didn't see that Barbara was so discerning that she began to have a relationship with Mr. Niu early.

Not long after, Barbara walked in. She politely proposed: "Manager, Mr. Niu is a very important customer of mine, I am already familiar with him, I wonder if his business can be handed over to me in the future?"

Parker looked at Barbara's young and beautiful face, and felt that it was more appropriate for her to serve Niu Xiaoqiang, so he nodded: "Okay, in the future, Mr. Niu's business will be taken care of by you, if you encounter a problem that cannot be solved, you can come and ask me at any time." ”

Barbara smiled and said, "Thank you, manager, I will definitely do a good job." ”

When Barbara left, Parker couldn't help but shake his head slightly: "I didn't expect that Barbara, who looks so honest, has also begun to fall." ”

In order to win over those tycoons, big banks will recruit young, beautiful and temperamental salesmen to provide them with one-on-one services. In addition to their job at the bank, these clerks make certain sacrifices, which is almost an open secret in the industry.

Barbara graduated from a university where she wasn't very top-notch, but she had a very good look, and Parker didn't think she had the heart to do that. Now it seems that Barbara is not as honest as she seems, and she is also ambitious.

Niu Xiaoqiang drove to Hewlett-Packard after leaving the bank, and he received a call from Whitman before he left the house in the morning. Whitman has submitted an application to change the company's name and redistribution of shares to the relevant authorities, and is currently going through the process, and there will be no problems in the future.

He asked Niu Xiaoqiang to allocate the promised funds in place so that he could start his business.

Seeing that there was not much time left before Christmas, Whitman's experience was that Christmas was the peak season for computer sales, and he didn't want to miss out on this great opportunity to make money.