Reborn Super Bank System

There was nothing wrong with Gao Ming, so Tang Qing got up and left.

In fact, it is not all right. On the contrary, there are a lot of things. Otherwise, Dou Jiao will not come today. It's just that this has nothing to do with Tang Qing, the boss of the hand-off. He came today to meet several managements of the security company and draw a vision by the way.

He didn't have the slightest interest in participating in specific matters, and he just had to read Tianyan's report afterwards.

Seeing Tang Qing just say a few words so headstrongly, he left. Gao Ming is also the first time he has seen how thoroughly Tang Qing is shaking his hand, the shopkeeper, what else can he do besides a wry smile, he can only be sent to'walk carefully' Look at me.

"Mr. Gao, just get used to it." Dou Jiao said with a grin.

"Hehe, our President Tang is really not an ordinary person." Gao Ming said with emotion, saying that he has nothing to do, but his style of behavior reveals the slightest shrewdness, saying that he is young and frivolous, but he is approachable, has no pretensions, and acts rashly. I have to say that this is a very charismatic and infectious person.People feel kind unconsciously.

"Of course, can ordinary people be able to do this at this age?" Dou Jiao had a little pride in her tone. If Tang Qing had Lin Jiaxue, she would have been unable to help Tang Qing. Does her mother's family have any? There are few girls of school age, and the conditions are pretty good in all aspects. With Tang Qing's conditions, they are randomly selected.

But since meeting Lin Jiaxue, she has not had this idea anymore. She knows that Lin Jiaxue is Tang Qing's lifelong love, the kind that can't be separated.

"Yes."

Gao Ming couldn't help but nodded.

"Okay, let's have our meeting." Dou Jiao immediately entered the working state.

...

Leaving Gaoming, Tang Qing did not go elsewhere, but came to Fenghua Asset Management Company.

After so long of development, Fenghua Asset Management Company has also ushered in rapid development. The 50 million renminbi given before has long been used up, and Tang Qing urgently allocated 100 million renminbi in the past, and it has been maintained until now.

After word of mouth from those customers and introductions from acquaintances, Fenghua Assets has also made a name in the lending industry in Qingyan City, and more and more small bosses are known, and the number of customers has naturally skyrocketed.

According to statistics from the command office, up to now, the total amount of loans from Fenghua Asset Management Company has exceeded 200 million yuan, and the number of customers has also exceeded 200.After conversion, each customer is only one million yuan in loan.

Is it more than one million yuan?

Of course not much.

But it also depends on the coverage.

These loans have been restricted by Tang Qing early on. At present, they only serve small, medium and micro enterprises. They do not accept emergency consumer loans from large enterprises and individuals. The amount of loans is also limited. The first loan for new customers is limited to RMB 1 million. And must provide a guarantor or equivalent collateral, at this time the customer credit rating is average.

When the first loan is paid off on time, the customer's grade will be upgraded and become a first-class customer, and the loan amount will be doubled. In order to avoid malicious brushing of the grade, only the third month after the upgrade can enjoy the current grade treatment.

These two levels are only to establish initial trust, and at the same time allow the company time to conduct a thorough investigation of the lender’s industry, status, and personal information. After the complete personal information is filed, each customer will be upgraded later. There will be differences in amounts and methods.

Different customers have different credits, different personalities, different industry status, different family status, different interpersonal relationships, different abilities, etc., etc. There are too many factors, even if they are of the same level, their loan amount is also different. It will be dynamic and flexible changes, and will not be rigid. After all, even if a business owner has good credit, but the family is at risk of breaking down, and his personality is relatively extreme, the loan risk is large and it has to be considered.

Such a grading method is extremely cumbersome and complicated. Not to mention private lending, no bank in the world will even consider such a comprehensive review and classification system, especially for small loans of this scale, because the cost is so high.

But Tang Qing wants to try, because even if he opens a bank in the future, what he wants to do is a bank that can make money, can really serve the vast number of creditworthy customers, and at the same time ensure the safety of its own funds. A bunch of bad debts is not what he wants. , He needs to do something different. Fenghua Asset Management Company is a very good test field. It will be very useful in the future. Others can’t copy it. If it fails, it’s not a big deal. Not in the way.

There are soldiers.

Tang Qing has the confidence to perfect this complicated and brain-burning system.

Come to Fenghua Assets.

The Fenghua at this time was not as sparse as before, but customers lined up, holding documents one by one, waiting for review. When Tang Qing arrived, he saw seven or eight people sitting on the chair at the door, but Tang Qing knew that even if the collateral restrictions were released, there would be no more than two loans that could be obtained.

the reason is simple.

He had read the summary data of Fenghua during this period of time before.

They received more than 1,000 application materials, and less than 20% of them passed the review. This still loosened the collateral restrictions.

For example, for a general factory worth two to three million yuan, it is very difficult for a business owner to go to a bank to pledge a loan. Even if it is operated, the amount of money that can be borrowed will never exceed 1.5 million yuan. Even some one million yuan depends on luck.

Of course, this is the general situation. There are many examples of assets of 1 million, valuation of 10 million and loans of 5 million, but the ratio is negligible, so it is not considered.

Although Fenghua’s borrowing is restricted, it can be guaranteed at a 20% discount on the valuation of the collateral, and as long as the property rights are okay and the business owner’s borrowing is used for business operations, then the first loan is definitely okay. However, most of the applications that were cut down were business owners who lied, concealed the true situation of the business, provided false information, or prepared to tear down the wall to make up for the wall.

Tang Qing’s goal is to help those bosses of small, medium, and micro enterprises with good credit to develop and solve their financial problems. Even the first loan is not mandatory for the business status of the enterprise, but many people still hold their own I came here to lie for this purpose, wanting to defraud the loan.

Tang Qing could only apologize to them if he couldn't even do basic integrity.

Because of his previous life experience of doing microloans, he wanted to help small business owners with good credit from the beginning, not all. He didn't think he had this ability, and he was unwilling to help those who specialize in counterfeiting. , For the rich, unkind, and unscrupulous businessman.

PS: Chapter 3, here comes, ask for votes.