Back To 2005

"I can borrow 1 billion!!!!"

Zhang Qian, who heard the TT message and clicked it casually, saw the inquiry from the top customer and couldn't help shouting excitedly.

She didn't care that her shouting attracted strange looks from the other two colleagues in the office. Zhang Qian, who realized that she hadn't replied yet, suppressed the ecstasy in her heart and typed quickly.

As an established economic center in Asia, the economic impact of the financial crisis on Hong Kong City ranks first in Asia.

Many high-profile multinational companies have gone bankrupt. Even Swiss banks, which were originally performing well, have suffered a certain degree of bad debts. Bank executives have suffered from severe hair loss.

Banks are afraid to lend easily to companies with unstable operations.

However, companies with truly good assets now have stable cash flow and do not need to borrow money from banks. At this stage, they dare not easily borrow bank loans to expand their operations.

Basically, most banks' large-amount loans have experienced short-term gaps. It can be said that there is more rice and less monks.

At this time, a young rich man with excellent qualifications and abundant cash flow actually asked for a loan. So there is no need to hesitate. He will lend as much as he can.

"Including my previous 300 million? Do you want to pay it back first?"

Unexpectedly, it was so easy to get a loan from a Swiss bank. Zhou Anan remembered that she had an unsecured loan of 300 million yuan that had not yet been repaid, and couldn't help but ask.

The last unsecured loan of 300 million yuan was not a big worry for Zhou Anan, who rarely borrowed money from banks.

The target is people who lie down and count money. They are unusually sensitive to money owed to the bank. After all, it requires interest.

"No, no, you can repay the 300 million when it is due. In addition, you can borrow another 1 billion. If you need it, I will bring a team over now to handle the loan business for you. After you sign and confirm, Loan in half a day.”

Hearing that the other party wanted to repay the loan in advance, Zhang Qian quickly replied and said that she could bring her team to provide door-to-door service.

As an SS-level credit customer, you have exclusive door-to-door service.

What's more, the time of such a young rich man is very valuable. If she loses this loan business because she finds it troublesome to come to Hong Kong City to handle it, she will not forgive herself.

Like this rich man who is worth tens of billions but has no need for loans. As long as he asks for a loan, there are many banks in the mainland who are willing to provide loans to the other party and even pay him door-to-door.

Nowadays, it is a huge loan business. Not to mention her huge commission, even her salary will jump up twice.

Only success is allowed, no failure is allowed.

"Okay, I'll come back to you if I need it."

I didn't expect Swiss banks to have such humanized services. Zhou Anan, who had asked casually before, thought it was quite good.

However, he feels that this loan needs to be a little more cautious.

After all, it is not a small amount, and there is no definite news from Professor Mei.

As for the foreign milk powder company, I haven't even seen it yet.

Unsecured loans are not interest-free. If you can borrow the loan later, the interest will be lower.

"Mr. Zhou, do you find it troublesome? We can provide special review and approval here. You only need to sign a few names."

Upon hearing this formulaic answer, Zhang Qian, who thought a mainland counterpart was trying to steal the business, immediately became anxious.

"Zhang Qian, President Ying asked you to go to his office."

"No time."

At this critical moment, Zhang Qian, who was trying to get her big client to change her mind, couldn't care less.

Only account managers who have made great achievements are good managers and are qualified to stand in the middle management of the bank.

"...Zhang Qian, are you crazy? Mr. Ying calls you alas."

"I even said I'm not free."

Zhang Qian, who was tactfully persuading the young rich man, had no time to care about other things. The other party had not replied to her message for five minutes.

The problem is, she doesn't dare to push her, lest the other party get disgusted.

It’s so tiring to meet such a high-quality big customer.

My heart is tired and my body is even more tired.

Zhou Anan, who played "Super Elite" for the first time, closed the game page with a curse after putting it in the box twice, clicked on the TT that had rang twice before, and looked at the message from the account manager.

"Zhang Qian, your arrogance is getting bigger and bigger. Do you want me to come and invite you in person?"

At this time, Zhang Qian, who was anxiously waiting for the other party's reply, heard a familiar and angry voice. She quickly stood up and apologized to the middle-aged man next to her: "Mr. Ying, I'm sorry, I was just talking about a loan with a customer. thing."

"Loan, what kind of loan, so you don't even have time to come to my office?"

After hearing the answer from his subordinate, the middle-aged man who was somewhat outstanding asked in a deep voice. The two account managers in the same office next to him smiled and watched the show with the corner of their eyes.

For this newcomer who was promoted to a mid-level account manager in less than two years, it took them four or five years to get there. There is too much imbalance.

"Mr. Zhou wants a loan of 1 billion yuan, and I am currently communicating with him."

"Mr. Zhou? Is this Mr. Zhou?"

Mr. Ying was quite familiar with the big clients in his subordinates' hands, and he immediately reacted, forcing a smile out of his original serious expression.

The 1 billion loan is considered the largest loan list this quarter.

"Yes, Mr. Zhou is inquiring about unsecured loans."

Seeing the attitude of her boss, Zhang Qian, who was not panicking at first, became more stable.

Of course, the premise is that she can win the loan business of this young rich man.

"Zhang Qian, I remember that Mr. Zhou's credit rating in our bank is SS level. You just said an unsecured loan limit of 1 billion yuan, which is too conservative. Tell Mr. Zhou that you can lend money within two hours within 2 billion yuan. , I will communicate with the credit department."

Holding his glasses, he bent down and looked at his subordinate's TT chat page. After Mr. Ying stood up, he said to this promising subordinate in a pleasant tone.

As for the other party's previous refusal to go to his office, it was all a trivial matter.

Subordinates who can lend money to high-quality customers are all good subordinates.

"OK."

Upon hearing the boss's bold words of delegating power, Zhang Qian nodded slightly excitedly.

"However, this loan business must be won. If it is taken away by other banks, I will only ask you. If you have any questions, come to me at any time. Of course, if it succeeds, your salary will be raised by two levels this month and your bonus will be doubled. "

A large loan involving a high-quality large customer should always be taken very seriously and promised directly.

After completing this loan, there is no need to worry about the first quarter target.

"Understood, I will definitely not disappoint Mr. Ying's expectations."

Hearing the support from her boss, Zhang Qian dared not to go all out.

She had decided that if the young rich man still hesitated, she would fly to Hangzhou tomorrow and ask him to come to their bank for a loan in person.

"Didi didi."

At this time, the TT message sounded. Zhang Qian quickly opened the computer screen and saw the reply from the big customer: "What is the approximate interest rate for 1 billion? What is the difference in the repayment period?"

"Ahem, you are busy with your business. If you have any questions, please come to me at any time."

Noticing the glances turned by his subordinates, Mr. Ying covered his mouth and pretended to cough twice before walking back to the office.

She didn't have time to pay attention to the envious and jealous looks of her two colleagues. Zhang Qian moved quickly and answered the big customers' questions with the fastest reply speed.

She swore that even when chatting with her boyfriend, she never responded so quickly.

"yeah."

After a long time, Zhang Qian, who was sitting in front of the computer, clasped her hands and shouted excitedly.

Not interested in showing off with her two colleagues in the same office, Zhang Qian simply sorted out the information and walked quickly to her boss's office.

After finishing the chat with the customer service manager, Zhou Anan thought for a moment and dialed Mr. Xia's phone number: "Mr. Xia, I have a job I'm wondering if you would be interested in?"

When you are in doubt, ask professionals. Professionals will solve professional matters. Zhou Anan has always been a person who is not ashamed to ask questions.

"Mr. Zhou, what do you mean?"

"It's like this. I need to acquire a qualified milk powder company in Australia. UBS is willing to help me find it, but I'm not sure."

"Mr. Zhou, let me send someone to Australia to do some preliminary work first. I will go over and discuss the specific situation with you."

Upon hearing that it was another big order worth hundreds of millions, Xia Qiudong signaled to several company executives who were in the meeting, walked out of the conference room and replied with a few sentences.