Fang Zhicheng thought about it and realized that this was an internal secret of Sky Supermarket Network, but it would not hurt to tell Wenfeng about it, because banks would sooner or later face threats from similar Internet financial platforms.
Fang Zhicheng explained: "Kongkongbao is a financial product. Consumers can transfer the funds in their Kongkongwang payment account to Kongkongbao and enjoy high interest rates on a daily basis."
Wen Feng was a little surprised and asked, "Interest earned on a daily basis? How high can it be?"
Fang Zhicheng said: "The interest rate is floating. The interest rate for a current account can basically reach the interest rate for a one-year fixed deposit in a bank."
Wen Feng showed an expression of disbelief and asked, "Where does such a high interest come from? Is it illegal fundraising?"
Fang Zhicheng smiled slightly and said, "Sky Supermarket Network has many online stores. The owners of these stores need a certain amount of funds for turnover and have a rigid demand for loans. Sky Supermarket Network can determine which online stores have the ability to repay loans through big data analysis, and then allocate the funds raised from individual consumers to high-quality online stores to solve the problem of capital turnover. After the online stores sell the goods, they repay the loans of Sky Supermarket Network, thus forming a capital cycle."
Wen Feng also heard of this kind of operation idea for the first time. She sighed and said, "If we do this, it will greatly promote the circulation of funds. At the same time, banks will also be in a passive position, because the model you mentioned does not have too many thresholds and can greatly speed up the efficiency of fund use."
Fang Zhicheng nodded and smiled: "Nowadays, banks have a lot of deposits, but it is difficult to lend money. In other words, a sum of money is kept in the vault and is not maximized. Internet financial platforms are working hard to solve this problem."
Wen Feng smiled and said, "Every time I communicate with you, I can always discover something. This is the difference between young cadres and us old people."
Fang Zhicheng said quickly: "You are not old at all."
Wen Feng sighed and said, "I'm old. There are crow's feet at the corners of my eyes. Look."
Fang Zhicheng pretended to move closer, only an inch away from Wen Feng's delicate face. He could clearly smell the fragrance on her face. After taking a closer look, he said seriously, "Master's wife, you have double eyelid wrinkles. Crow's feet are not like this."
Wen Feng was amused by Fang Zhicheng. She raised her red wine glass, clinked it with his, and sighed, "It feels good to chat with you. I have been tense for so many days, but now I feel much better."
Fang Zhicheng smiled and said, "I will come to see you often in the future."
Wen Feng smiled and said, "Okay!"
The two glasses clinked lightly, and Fang Zhicheng noticed that Wen Feng's eyes were a little hazy when she looked at him. He suddenly felt that this was a signal, and quickly dispelled the evil thoughts and stopped his thoughts from wandering.
Wenfeng had a good alcohol tolerance. Even though Fang Zhicheng drank a lot and was already drunk, she was still sober.
Wen Feng saw him stand up and walk, his thighs trembling, and smiled and said, "I'll tell your driver to stay here tonight, okay?"
Fang Zhicheng waved his hands quickly and said drunkenly, "It's okay. How can we live here? It's too inconvenient."
Wen Feng raised her eyebrows and smiled, "There are so many rooms, what's the inconvenience? You and Wen Di have similar figures, and there are his clothes at home. You can wear his clothes after you take a shower."
Although Fang Zhicheng was drunk, his brain was still clear and rational. When he was about to wave his hand, Wen Feng had already asked the nanny to come over. The two of them worked together to drag Fang Zhicheng to the guest room on the second floor.
Wen Feng saw Fang Zhicheng lying on the bed, sleeping soundly, and smiled helplessly. She told the nanny, "Make him some honey water and put it on the bedside table. When he wakes up, he will definitely be thirsty."
After Wenfeng went downstairs, she smiled and said to Guo Jinyuan, who was sitting in the yard reading a book, "Zhicheng will stay here tonight. You can go back first and borrow him tomorrow morning."
Guo Jinyuan nodded politely, tucked the book under his arm, and got into the car. Wen Feng stared at his back for a long time and said to herself, "Zhicheng's driver is good and very steady."
In the middle of the night, Fang Zhicheng felt his throat dry. With the dim light of the desk lamp, he touched the honey water, drank a sip, and felt a little better. After getting out of bed, he found that his clothes had been changed. He tried to recall the moment before going to bed, but he could no longer remember it.
The only thing I remember was that Wenfeng helped me take off my clothes and wipe my body.
Fang Zhicheng sighed, thinking that he had lost control of himself. He walked out of the door in his shorts and found that a few rays of light from the next room were shining through the gap. He pushed the door open and leaned out his upper body. Wen Feng was buried in the desk, reviewing documents.
Wen Feng noticed the movement at the door, looked up, and said with a smile: "Are you awake?"
Fang Zhicheng smiled awkwardly and said, "Well, I'm sorry to trouble you."
Wen Feng waved her hand and said with a smile: "It's okay to drink as much as you want with me, but try to drink less outside."
"I will follow the instructions of Master's wife." Fang Zhicheng said with a smile.
Wen Feng waved at Fang Zhicheng and said, "I feel a little sleepy, but I still have a lot of materials to read. Can you come in and chat with me and distract me?"
Fang Zhicheng smiled awkwardly and said, "I'll come after I put on some clothes!"
Wen Feng was slightly startled, then smiled and said, "Looking for pants? Your pants were washed, and I don't know where Wendi's pants are. Just wear shorts, I don't mind."
Fang Zhicheng was embarrassed. Seeing Wen Feng being so carefree, he himself was being shy like a girl, so he walked straight into the room. Wen Feng just glanced at Fang Zhicheng's lower body, with a smile on her lips, and her eyes fell on the documents again.
Wenfeng's study was quite elegant, with several pots of green radish on the table, growing lush and green, and oil paintings on the wall, adding a touch of intellectuality. Fang Zhicheng walked to the bookcase, selected a book, flipped through a few pages, and found that Wenfeng had the habit of taking notes.
Wenfeng's handwriting is elegant, yet has a feminine edge and unique charm.
Wen Feng glanced at Fang Zhicheng and said with a smile: "If you are free, please help me relieve the pressure and take a look at those documents."
The documents had been classified, and the pile shown to Fang Zhicheng did not involve any important secrets.
Fang Zhicheng walked over with a smile and joked, "I used to be the secretary for Master, and today I am also the secretary for Master's wife. I feel that my life is complete."
Chapter 1057 A Special Fragrance
Wenfeng had a special scent on her body, which should be the soap or shower gel when she took a bath. Fang Zhicheng sat opposite her, and the provocative smell with the smell of hormones kept drilling into his nostrils. Fang Zhicheng could only divert his attention and focus his eyes on the documents. Although he did not understand the professional knowledge of the bank, it was not difficult to review these documents. After all, there was mutual communication in the officialdom, and whether the materials were good or bad could be judged by experience.
Therefore, in the officialdom, there are often some people changing their positions. Those who were originally in charge of finance can also take control of the situation and handle it with ease after being responsible for industry and commerce.
Fang Zhicheng was very fast. He finished reading all the materials in less than a quarter of an hour. Wen Feng saw that he reviewed them so quickly and a look of suspicion flashed in her eyes. She glanced at a few copies and praised with a smile: "Wendy praised you for your talent before, and I just listened to him at first, but now the facts have proved that you are indeed a genius. If I were to revise these materials, it would take at least an hour, but you finished it in less than fifteen minutes, and your logic is clear and your comments are on point. It's amazing."
Fang Zhicheng smiled modestly and said, "I learned all these when I was working as a secretary under Secretary Wendi!"