Free heart

In Songjiang, Shanghai in August, the outdoor temperature has reached 8°C.In such hot weather, it seems that only hiding in an air-conditioned room is the wisest choice.

From 3 o'clock in the afternoon, there was a sudden drop of grain-sized raindrops in the clear sky.Even people who only want to stay in air-conditioned rooms seem to feel the coolness brought by the showers.

Zhou Lin glanced at the ground outside the glass wall, "Look, it's raining."

Shen Xiaoxiao glanced sideways, "I saw it."

"Xiaoxiao, the two manuals you mentioned are the content of the banking management system in the United States?"

"Yes, this is an obligation that banks should fulfill. Banks have the responsibility to protect the personal data and business transaction data provided to banks by individuals or household consumers and will not easily disclose them to third parties."

"You are quite right, but this is also an area where domestic banks urgently need to improve."

"In other words, my financial privacy is always in a state of no security protection?"

"You can't say that. After all, some domestic banks are wholly owned by the state, some are owned by local governments, and some are controlled by state-owned enterprises. Generally speaking, ordinary people can rest assured."

"Well, I trust you, and I can trust your classmates for the time being."

"Come on, go back and do your business."

When the two returned to the VIP window counter, Wu Wenjing looked at the time on her phone and joked, "I said, did you two go for a walk in the rain?"

Zhou Lin smiled, "Why? The two of us only talked for less than 5 minutes."

Shen Xiaoxiao sat down and said, "Director Wu Wenjing, don't you want to know how much I have saved?"

Wu Wenjing nodded, "Don't get me wrong, I just want to tell you something about financial management. Originally, this work was done by our personal financial advisor."

"Okay. So far, my RMB deposit is 2435 million yuan. There are also some fractions of US dollars, which are stored in the account of the Bank of America in New York." Shen Xiaoxiao looked at the other party intently, and said.

"2435 million?? Oh my god, Xiaoxiao, why do you have so much savings?" Zhou Lin asked hurriedly, standing aside.

"Is it a lot? I stayed in the United States for 13 years, and my father gave me 13 years of living expenses."

"Then how much living expenses does your father give you every year?"

"300 million RMB per year. In fact, I don't need that much at all. So, I save what I don't use up."

Wu Wenjing, who was on the side of the two of them, was dumbfounded, and her brain turned faster, "A little girl with tattoos all over her body is actually a 'sea turtle' rich second generation!!"

"I said, why does she only say the first name, not the last name?"

"Could it be the daughter of the CEO of Linlin Company? Well, it's very possible."

"Xiao Xiao, your...is your surname Shen?" Wu Wenjing asked with a smile all over her face.

"Do you know who I am?! Well, only the three of us and the lady sitting in the window know the content of today's conversation. Do you understand what I'm saying?" Xiao Xiao whispered.

"I see. So, what are you going to do with your deposit?"

"I don't need the money for the time being, and I want to earn some interest. So, I want to hear your opinion."

"According to your situation, set up a five-year savings project with deposit and interest. What do you think?"

"Why five years?"

"According to the latest fixed deposit interest rate this month, the annual interest rate for deposit and withdrawal for five years is 3%. Except for the project of lump sum deposit and withdrawal, only this project can obtain higher interest income at present."

"Oh, then can I get interest every month?"

"of course can."

After thinking for a few seconds, Shen Xiaoxiao nodded, "Okay. But, I have a condition."

Wu Wenjing quickly replied, "No problem, as long as I can solve it, I will never bother you."

"I know that including your bank, all domestic banks implement the "Commercial Bank Law", and there is no complete set of banking personal financial privacy confidentiality system. Therefore, there are certain risks in my bank personal account."

"Xiao Xiao, I understand what you mean. At this point, I can absolutely guarantee the safety of your account funds."

"Not just funds, but also business transaction data such as my transaction records, transaction amount, account balance, payment records, overdraft records, debit-card or credit card shopping information, etc. You must not disclose it to third parties. The government Except for public security law and taxation."

“No problem. What about the online banking side? Like, when you swipe your card while shopping, you get a text message on your phone about a change in your account balance?”

"No, the mobile communication company already belongs to a third party. The online banking business is temporarily closed today."

"Then how can I convey your business transaction data to you?"

"On behalf of the bank, send me an email at the beginning of each month with the account data for the current month."

Wu Wenjing let go of her throat, "Email, it can be done."

Shen Xiaoxiao looked at her calmly, "Really?"

"no problem."

"Okay. Then I will set up a 2 million five-year deposit and interest savings project, and the monthly interest will be collected on the 15th of each month. The remaining 430 million will remain in my debit-card account. Today I will withdraw another 5 yuan in cash."

"Xiao Chen, come and do business for Miss Shen." Wu Wenjing called the bank colleague in the window through the bulletproof glass.

"Okay, Director. It's just that 5 yuan is withdrawn..." Xiao Chen, who was wearing glasses and had short hair, faltered.

Wu Wenjing asked in a negotiating tone, "Miss Shen, the withdrawal of 5 yuan needs to be made in advance to get it. Look, should I withdraw 4 yuan first?"

Xiao Xiao nodded, "Then take 4 first."

The teller Xiao Chen said with a smile, "Miss Shen, please give me your ID card and debit card."

When Xiao Chen was handling business, Wu Wenjing said again, "Miss Shen, thank you for your support to our bank. In order to serve you better, the business department of our bank can apply for you a credit line of 200 million for free. Platinum credit card in RMB."

Shen Xiaoxiao tilted her head and asked Zhou Lin, "What do you think? If I spend 200 million in an overdraft, will Dad pay it back for me?"

Zhou Lin sat aside and played with her mobile phone, raised her head and smiled, "There is only one Shen Xiaoxiao in this world, and that is you."

"That's right. Director Wu Wenjing, what procedures do I need to apply for a platinum card?" Xiao Xiao asked.

"Just fill in the application form and the photocopies of your identity certificate, permanent residence certificate and financial resources certificate." Wu Wenjing still said very gently.