How A Ride-Hailing Driver Comes To Dominate The World? [EN]: Chapter 459

Lin Yiren drove ahead, with Yang Chen following close behind.

Having not seen Yang Chen for so long, Lin Yiren was eager to get home and receive her injection to help regulate her endocrine system.

However, her parents were planning a trip back to their hometown to visit a friend the next day and needed some cash for the journey.

Lin Yiren needed to make a quick stop at the bank to withdraw the money and give it to them that evening.

Lin Yiren pulled over to the side of the road, and Yang Chen stopped behind her.

“Chen Ge, I need to withdraw some money. Wait for me in the car for a bit,” Lin Yiren called out.

Yang Chen: “I’ll go with you.”

Lin Yiren nodded, happily taking Yang Chen’s arm as they headed towards the bank.

Yang Chen’s personal assets were primarily deposited in Haicheng Bank, where he was a shareholder.

However, Xingchen Investment maintained a substantial amount of deposits in the Bank of China due to its extensive foreign business dealings, holding dozens of accounts totaling no less than 200 billion yuan.

Previously, some of the profits from the oil and US banking industries had been transferred to the Bank of China for currency exchange and storage.

As the two entered the bank, the lobby manager greeted them with a polite smile.

“Hello, what services can I assist you with today?” the lobby manager inquired.

Lin Yiren: “I’d like to withdraw 100,000 yuan.”

Lobby Manager: “May I ask the purpose of this withdrawal?”

Lin Yiren: “My parents are going back to their hometown to see friends and need the money for their trip.”

The lobby manager handed her a numbered ticket and said, “Please wait a moment. There are currently 10 customers ahead of you.”

Lin Yiren, anxious to get home for her treatment, wasn’t keen on waiting.

Lin Yiren asked in a low voice, “Chen Ge, do you have an account at this bank?”

Yang Chen shook his head.

Lin Yiren quickly turned to the lobby manager again, “We’re in a bit of a hurry. Is there any way to expedite the process?”

Banks typically offer priority services to VIP clients, but she wasn’t sure how to qualify for VIP status at the Bank of China.

That’s why Lin Yiren asked.

She might not qualify, but Yang Chen potentially could.

There was no harm in asking.

Before the lobby manager could respond, an elderly woman nearby voiced her displeasure.

“Honestly, you young people are something else. Why are you always trying to cut in line? We old folks have to wait our turn. Can’t you young people be patient?”

Lin Yiren quickly apologized, “Auntie, I’m sorry. We’re just in a hurry. If there’s a way to speed things up, we’re willing to try. Please don’t get upset.”

Old Lady: “How can I not be upset? I’ve been waiting in line for almost half an hour, and you come along wanting to jump ahead. Of course, I’m upset!”

Lin Yiren was at a loss for words and started to lead Yang Chen towards the waiting area.

Yang Chen said with a smile, “Old lady, please don’t get agitated. Let’s hear what the manager has to say.”

The old man beside her chimed in with a smile, “We’re all waiting in line. Why should you get priority?”

Lobby Manager: “If you’re a VIP customer of our bank, you can indeed expedite the process. However, this gentleman mentioned he doesn’t have an account with us, so that might not be possible. Madam, are you a VIP customer?”

Lin Yiren shook her head.

Lobby Manager: “Then, unfortunately, you’ll have to wait in line.”

The old man seemed intrigued by the mention of VIP customers and asked, “VIP customers don’t have to wait in line?”

Lobby Manager: “That’s correct! VIP customers of our bank enjoy priority service. Moreover, with deposits exceeding 5 million yuan, we can also provide complimentary services. For deposits of tens or even hundreds of millions, we can even arrange a position as a deputy bank manager. Usually, you wouldn’t even have to work; you’d simply receive a monthly salary.”

The annual deposit interest rate is around 1.9%, while the loan interest rate exceeds 3%. For enterprise loans, the interest rate is generally above 6%. The interest rate spread is quite significant.

If a deposit of 100 million yuan earns the bank 6 million yuan from enterprise loans while paying the depositor 2 million yuan in interest, the bank still nets 4 million yuan.

Even if they support a deputy bank manager with no real responsibilities, the bank still profits over 3 million yuan after covering the few hundred thousand yuan in annual expenses.

Therefore, the bank is certainly willing to offer a non-executive deputy bank manager position in exchange for a 100 million yuan deposit.

The customers waiting nearby were captivated by the lobby manager’s explanation.

“Really? Doesn’t getting a job at the bank require passing an exam?”

“Yes, my classmate got into the Agricultural Bank through a competitive exam. I heard it’s quite difficult. And even if you get in, you have to meet certain performance targets to become a full-time employee. It’s very challenging.”

“So, if you don’t have money, you have to rely on your skills and pass the exam. But if you have money, you can bypass the exam altogether? Is that what you’re saying?”

…

Lobby Manager: “Essentially, yes. Wealthy individuals can join by bringing their own funds, while those from ordinary backgrounds can enter based on their abilities. The bank offers different pathways for people from various backgrounds; it just depends on which path you choose.”

Just then, Lin Yiren’s phone rang. It was her mother calling.

Lin Yiren quickly stepped aside to answer.

Lin Yiren: “Hello, Mom, what’s up?”

Mom: “Your aunt just called and said Ruixin [Lin Yiren’s cousin] is still looking for a job. She asked if you could help her find one.”

Lin Yiren: “That’s odd. When I spoke to Ruixin before, she said she had already found a job.”

Mom: “She said the job required frequent overtime and late nights, which she couldn’t handle, so she quit. She’s been looking for a month now and hasn’t found anything new. Just see if you can ask around. If there’s no way, then forget about it.”

Lin Yiren: “Okay, I understand. I’m at the bank withdrawing money. I’ll call you later.”

Hanging up, Lin Yiren returned to Yang Chen.

Yang Chen: “Someone’s looking for a job?”

Lin Yiren: “My cousin, Zhang Ruixin. She studied international trade and quit her previous job because she didn’t like the long hours. She’s been searching for a month with no luck. My mom asked me to help her find something suitable. Sigh… where am I going to find her a job? My aunt was always so kind to me when I was little. I feel bad if I can’t help them. It’s a tough situation.”

Yang Chen smiled, patted Lin Yiren’s head, and said, “Didn’t the lobby manager just mention there are jobs here? How about recommending your cousin to work here? Do you think that would be okay?”

Wow, as soon as he said that, everyone in the hall was stunned.

Judging by his tone,

was the Bank of China owned by his family, allowing him to hire anyone he pleased?

The old lady who had previously criticized Lin Yiren for cutting in line scoffed, “Oh please, young man, who do you think you are? Just letting anyone work here? This is the Bank of China, a state-owned institution. You can’t just waltz in and get someone a job. You don’t even have an account here. Why would they hire her?”

Yang Chen: “I don’t need to explain myself to you.”

Lobby Manager: “What is your friend’s cousin’s educational background?”

Lin Yiren: “She has a junior college degree, majoring in international trade.”

Lobby Manager: “Then there’s definitely no chance of her getting a job here based on her qualifications alone. Her education level would automatically disqualify her. Unless you have a deposit of 100 million yuan, there’s no chance.”

The annoying old lady chimed in again, “Didn’t you hear him say he doesn’t have an account? Where’s he going to get 100 million yuan?”

“Haha…” The waiting customers chuckled.

It was truly irritating. Yang Chen couldn’t possibly reveal his true identity to these elderly individuals.

Yang Chen: “Manager, please inform your president that Yang Chen from Xingchen Investment is here to see him and would like him to come out immediately.”

The lobby manager was visibly shocked and exclaimed, “Xingchen Investment? The Xingchen Investment that made a killing in the US banking industry?”

Yang Chen: “Yes! We’re in a hurry to conduct our business. Please call your president out to see me right away.”

Lobby Manager: “Okay, okay. But, sir, you’re not pulling my leg, are you? I’m going to report to the president now. Please don’t get me in trouble.”

Yang Chen: “Why would I do that? You’re overthinking things.”

The lobby manager nodded and hurried off to find the president.

Lin Yiren: “Chen Ge, do you think the president will actually come out?”

Yang Chen: “He might not give me face, but he’ll definitely respect Xingchen Investment’s 200 billion yuan deposits in the Bank of China. Don’t worry, you’ll get priority service, and your cousin is practically guaranteed that deputy bank manager position.”

Lin Yiren was so astonished that her jaw dropped.

Xingchen Investment had over 200 billion yuan deposited in the Bank of China!

Oh my god, how many zeros was that?

The old folks nearby started laughing again.

Old Lady: “You’re quite the storyteller! You just said you didn’t have an account, and now you claim to have 200 billion yuan in deposits. If you had that much money, why aren’t you on the rich list?”

Old Man: “Young man, you probably don’t even know what a billion is, do you? You dare to say you have 200 billion yuan in deposits. You might as well just say you’re the richest man in the world.”

Yang Chen: “Do you know why Zhang Sanfeng [a legendary Taoist who supposedly invented Tai Chi] lived to be over 140 years old?”

The old man shook his head and said, “I don’t know, why? Was it because he practiced Tai Chi?”

Yang Chen: “It wasn’t because he practiced Tai Chi; it was because he never meddled in other people’s affairs. We don’t even know you, so why are you constantly butting in? I just happen to be good-natured. If you ran into someone with a bad temper, they’d either hit you or yell at you for being so nosy.”

The old lady remained unconvinced and retorted, “Oh, young man, you’ve got quite the attitude. I’m just calling you out today. If you’re so tough, try hitting me. If you dare to touch me, my son will make you regret it.”

Oh, so that’s why these two old people were so bold. They were relying on their “amazing” son.

Most people rely on their parents, but they were going to rely on their son.

In the past, Yang Chen would have argued with them endlessly.

But now, Yang Chen was a world-renowned figure. Although many people didn’t know what he looked like, he had reached a certain level. He couldn’t bring himself to argue with such elderly people.

“Okay, okay, I get it; your son is amazing. But please, stop interrupting, or even if your son is awesome, I’ll have to confront him,” Yang Chen warned subtly.

Old Man: “Confront us if you want to; are we supposed to be afraid of you? When my son gets here, you can confront him then.”

Just then, the bank door opened.

Li Mao, the owner of Xin Rong Ji [a company that Yang Chen dealt with previously], rushed in.

Damn it!

They were Li Mao’s parents.

When Li Mao saw Yang Chen, he quickly and humbly approached him, saying, “President Yang, please have mercy. I’m begging you, okay?”

Li Mao’s parents were completely dumbfounded.

They had expected their son to come and help them intimidate Yang Chen, but instead, he was begging for mercy?

Old Man: “Son, what do you mean? Why are you begging him as soon as you see him? I didn’t even say anything; how did you know we were going to teach him a lesson?”

Li Mao: “Ah? Why would you want to teach President Yang a lesson? I’m so sorry, President Yang; there must be some misunderstanding here. I…”

At that moment, President Zhao Hong arrived.

“President Yang, hello, hello, welcome to the Binhai branch of the Bank of China. I’m President Zhao Hong. Your visit is a great honor for our branch.”

As Zhao Hong spoke, he shook Yang Chen’s hands enthusiastically, with an extremely flattering expression.

At this point, no one had any doubts.

The handsome young man before them was indeed Yang Chen, the head of Xingchen Investment who had made a fortune in the US banking industry.

Yang Chen: “Hehe… President Zhao, there’s no need to be so formal. My girlfriend wants to withdraw 100,000 yuan. Please take care of it for her immediately.”

Zhao Hong: “No problem at all! Quickly escort this lady to the VIP reception room and process her withdrawal of 100,000 yuan immediately.”

The lobby manager bowed respectfully and invited, “Madam, please come with me. This way, please.”

Yang Chen smiled at Lin Yiren, and she followed the lobby manager to the VIP reception room.

Yang Chen: “President Zhao, I overheard your lobby manager saying that a deposit of over 100 million yuan qualifies someone for a deputy bank manager position. Is that correct?”

Zhao Hong: “That’s absolutely right. Is President Yang looking for a job for someone?”

Yang Chen: “My girlfriend’s cousin has a junior college degree in trade and has been struggling to find a job. She’s looking for something stable, like a nine-to-five position. Do you think she’d be suitable for a deputy bank manager role?”

Zhao Hong: “Absolutely, she’s perfect! Oh my, what do education level or major matter? It’s all up to you, President Yang! How about this: have her come in tomorrow, and we’ll make her a deputy bank manager. If she’s capable, I’ll assign her some real responsibilities. If she’s a little less experienced, it’s fine if she doesn’t do much; her salary and benefits will be exactly as per the deputy bank manager’s standards, with no deductions whatsoever.”

Yang Chen: “Haha… Okay! Then I’ll thank President Zhao on her behalf.”

Zhao Hong:

“President Yang, you’re too kind. Why are you thanking me? I’m just doing what I should. President Yang, if you need anything in the future, just let me know, and we’ll be sure to fulfill your requests.”

200 billion yuan really made a difference. The president was incredibly accommodating.

At that moment, Li Mao’s parents approached.

Old Man: “Hehehe… President Yang, we’re sorry; we were wrong earlier. We were being nosy. We apologize and hope you won’t hold it against us old folks.”

Old Lady: “Yes, yes, yes, President Yang is generous; please don’t be petty with us. We formally apologize to you and this young lady and beg you to forgive us.”

Li Mao: “President Yang, I truly know I was wrong too. Please have mercy and give me and Xin Rong Ji another chance. I’m begging you.”

Yang Chen: “Do you know what kind of people I despise the most? It’s those who are both incompetent and love to show off, and no matter how much others try to advise them, they won’t listen. They squander opportunities when they’re given and then come begging for forgiveness when they can’t handle the consequences. Unfortunately, all three of you fit that description. President Zhao, please have them removed.”

Zhao Hong nodded and immediately summoned the security guards.

The security guards raised their shields to block Li Mao’s family, and Zhao Hong seized the opportunity to escort Yang Chen and Lin Yiren out of the bank.

The customers waiting to be served couldn’t help but comment.

“Well, that fits my idea of a big shot. A big shot should be decisive and never be soft-hearted.”

“President Yang is right. They had a chance at the beginning; all they had to do was keep quiet, but they just wouldn’t listen, as if they thought they were so important. Now they come begging for forgiveness; don’t they realize it’s too late?”

“So cool, not only is he handsome, but he also handles things so decisively. Isn’t this the domineering president from those romance novels? The president has to be as humble as dust in front of him. It’s so satisfying to watch. How great would it be if I had such power? I’d be willing to live ten years less.”

…

Li Mao watched Yang Chen get into his car and drive away, and a wave of despair washed over him.

Now, his only hope was to seek help from the vice mayor or even the mayor to intercede on his behalf.