Chapter 11 Bank Account Opening
As soon as Yang Wendong heard this, he knew that what he had just said for a long time was not in vain, so he said: "Thank you, the price here is cheap, whether it is for public or private use , it’s definitely a good deal.”
“You are very good at business and very interesting. I never thought I could meet you here. A very interesting person." Elena said with a smile: "I have been in Hong Kong for more than ten years and I know many businessmen. You are very similar to them. I think you may become one of them in the future."
"I hope so." Yang Wendong smiled. In his previous life, he had been doing sales and running his own business in the Mainland for more than ten years, and he might have picked up some similar habits.
Whether a person is in business or has done sales that often contacts outsiders, people with rich social experience can actually tell.
Elena nodded and said: "Then I hope that one day you can become a big factory owner and recruit a large number of people to work for you. This can also solve the poverty problem of ordinary people in Hong Kong."
" I think so too." Yang Wendong nodded, there's no harm in fantasizing about it now.
"Well, I am very happy to communicate with you today." Elena added: "If I come to you next time, I may give you a very generous order. In that way, you can Recruit squatters to work for you."
"No problem." Yang Wendong nodded.
He and Zhao Liming can only make bamboo tubes at a limited speed, and rats are probably everywhere in Hong Kong except for some large buildings on Hong Kong Island.
If the business can really grow, it will definitely need to find other people to help.
It’s just that the speed must be fast, because this thing has no patent protection. Even if Hong Kong has a patent law with enforcement power, it cannot protect this thing. The cost of going to court will cost you.
When others can do it, he needs to quickly spread the stall. Originally, he didn't have any good ideas, but now, Elena seems to be the breakthrough.
Elina picked up the mousetrap on the ground again, and was about to turn around when she suddenly came back and said: "By the way, when it comes to transactions involving relatively large amounts, the Hong Kong government can only issue checks. , you have to go to a bank to open an account."
"Open a bank account?" Yang Wendong frowned. This matter is a bit difficult for him now!
In any era, if you want to open a bank account, there are fees and deposit restrictions. In the early 21st century, this was the case for domestic banks. It should only be stricter in Hong Kong now.
"Are you worried that the bank won't open an account?" Elena seemed to see Yang Wendong's difficulties, and said: "I know a Chinese bank called Liao Chong Hing Bank. They can accept very small deposits. You can try opening an account there."
"Liao Chuangxing Bank?" Yang Wendong suddenly thought of some memories.
It seems that this bank is somewhat famous in the history of Hong Kong banks because it was the first bank to go bankrupt due to a run.
"Brother Dong? What are you thinking about?" After Elena left, Su Yiyi patted Yang Wendong and asked.
Yang Wendong came back to his senses and said with a smile: "Nothing, I was thinking about the bank."
Su Yiyi hesitated for a moment and asked: "I haven't been to the bank yet, can I go with you?"
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"Uh..." Yang Wendong suddenly After a pause, he said: "Of course."
In this era, the conditions for opening a bank account are generally very high. Most Chinese cannot meet the threshold for opening an account. Even if they have money, many British banks do not No Chinese customers are accepted.
Discrimination is so ubiquitous. Even some successful Chinese have some status because of some local reasons in the UK, and local people are needed to assist in the management of Hong Kong.
The poor people in squatters are not qualified to go to banks. Many people may have never entered ordinary restaurants.
"Then go tomorrow?" Su Yiyi asked.
Yang Wendong said: "Well, let's go tomorrow and make a decision as soon as possible."
"Okay." Su Yiyi agreed. She usually didn't ask why, especially when Yang Wendong had just faced the ghost easily. Man, it made her feel very powerful. ……
The next day, before it was fully light, Yang Wendong went out for a walk and went to the nearest Liao Chong Hing Bank.
Su Yiyi also deliberately changed into a slightly better dress, although there were a few patches on it.
The two didn’t know the location of Liao Chong Hing Bank until they walked into Tsim Sha Tsui Town and asked several stores.
Just walking here, the distance is not very far, but it took Yang Wendong almost more than an hour.
After arriving at the place, not far away, he found many people queuing in front of the bank, which was very lively.
Not sure what the situation was, Yang Wendong still came to the end of the queue at the door and asked the person in front: "Brother, let me ask, what is the lowest account opening fee in this bank?"
Front The person replied: "There is no account opening fee, but when opening an account, you need to deposit 100 yuan."
"Oh." Yang Wendong nodded, feeling quite happy, and he brought 120 yuan.
This is all his belongings. Before he traveled through time, his predecessor also had a deposit of more than 60, which was his savings over the past few years. In these ten days, he also made money by selling rat traps. A lot.
After deducting the daily management fee for setting up the stall and the salaries of Zhao Liming and Su Yiyi, there is only about sixty yuan left.
The queue was very long, and Yang Wendong could only wait quietly. But around him, there were always people discussing:
"Hey, you are here to save money too?" one person asked.
“Isn’t this nonsense? Why else would you come to the bank?” said another person.
"No, I just want to ask, is it true that the monthly interest rate of Liao Chong Hing Bank is 6%?" the person who just asked continued.
“This is what is written in the newspaper. It can’t be false.” Another person replied: “And with so many people queuing here, it must be true. If it is false, the people in front are not allowed to cause trouble. Huh?”
"Same." Several people were discussing about interest.
Yang Wendong was also quietly listening to the sounds around him. This was also a rare way for him to obtain news from the outside world.
Those who can come to the bank to deposit money, even the low-demand Liao Chong Hing Bank, have a much higher status than squatters.
However, the 6% bank deposit interest rate also shocked him. With such a high interest rate, it is no wonder that a run crisis broke out at Liao Chuang Hing Bank a few years later.
After waiting for another hour, Yang Wendong came to the bank counter, handed over the 100 yuan cash paper and ID card he brought, and said: "Open an account."
"How long will it last?" the staff inside asked.
“If you don’t save it, put it in the current account.” Yang Wendong replied.
Suddenly, many people around him looked at him in surprise.
(End of this chapter)