Good luck! This village is full of billionaires

July 20th.

Rainbow CBD business district.

Rainbow Bank Headquarters.

Inside the President's office.

Wang Xue, the president of the bank, is reporting to Fang Yun.

She said: "Village Chief, we, Rainbow Bank, obtained a private bank license, a third-party payment license, a consumer finance license, an Internet insurance license, an Internet fund and sales license, an Internet trust license, an Internet small loan license, an equity crowdfunding license, an Internet securities license, and a personal credit reporting license half a year ago.

At the same time, Rainbow Bank has opened relevant loan links, wealth management links, fund links, etc. on the Rainbow Short Video APP, Rainbow E-commerce APP, and Rainbow Live APP.

All three APPs have opened rainbow loans.

Rainbow Loan is a loan product that realizes the whole process of online operation from application, approval to disbursement.

Users only need to borrow money from the wallet pages of Rainbow Short Video, Rainbow E-commerce, and Rainbow Live with one click, and the system will judge the personal credit situation within a few seconds, and give a loan amount ranging from 1,000 yuan to 300,000 yuan "770" degrees.

Fill in the information according to the corresponding prompts, and you can complete the loan online in just 5 minutes, and you can borrow and repay at any time.

Rainbow Bank, on the Rainbow Auto APP, opened a Rainbow Car Loan.

The user only needs to buy a car from the car purchase qualification page of the Rainbow Auto APP, and the system will judge the user's credit, so as to give a limit of 50,000 yuan to 500,000 yuan.

Rainbow Bank, on the Rainbow Real Estate APP, opened a rainbow mortgage.

The user only needs to go to the house purchase qualification page of the Rainbow Real Estate APP, and the system will judge the user's credit, so as to give a limit of 200,000 yuan to 2 million yuan.

Of course, due to the involvement in the field of consumer finance.

Our bank has set up a special risk control department.

This department specializes in collecting risk data in different fields such as customer information, product transactions, credit behavior, credit reporting, partners and third-party platforms, introduces new risk identification and algorithm technologies, and successively establishes a series of models such as customer credit extension, social scoring, credit scoring, merchant credit, and fraud detection. "

The voice fell.

Fang Yun nodded with satisfaction.

in the domestic industry.

The earning power of the banking sector is the strongest.

Such a lucrative industry.

Every business wants to enter the market whenever they have the opportunity.

For example, Ahri's MYbank.

For example, Teng Xun's Weizhong Bank.

For example, Su Ning's Su Ning Bank.

For example, Du Niang's Baixin Bank.

For example, Xiaomi initiated the establishment of Xinwang Bank.

For example, Mituan initiated the establishment of Yealink Bank.

At present, the convergence of Internet giants and banks has become a mainstream trend.

Rainbow enterprises, after owning Rainbow Bank, will give full play to the skirt effect in the financial field and further expand the financial ecology through efficient strategic collaboration.

At the same time, Rainbow Bank is also an Internet private bank.

It carries out rainbow loans, rainbow car loans, and rainbow housing loans, and provides standardized one-time credit and recycled online microcredit loans, large-amount credit loans and other products to the general public to meet the small, large, short-term, and sudden credit needs of users.

Currently, the Law on the National Bank provides:

The minimum paid-in capital for the establishment of a national commercial bank is 1 billion yuan.

The minimum paid-in capital for the establishment of a city commercial bank is 100 million yuan.

The minimum paid-in capital for the establishment of a rural commercial bank is 50 million yuan.

Once the funds are in place.

To set up a bank, you also need to go through a series of complicated approval procedures to obtain a banking license.

That's why.

The number of private banks in the country is very small, only 16.

When Rainbow Bank was established, it had $5 billion in funds, becoming the 17th private bank in China!

Wang Xue continued: "At present, Rainbow Bank has four main businesses, namely physical banking, consumer finance, wealth management and fund clearing.

A brick-and-mortar bank is an offline branch that has blossomed all over the country, and users can carry out deposits and withdrawals and other services.

Consumer finance mainly includes rainbow loans, rainbow car loans, and rainbow housing loans.

Wealth management is the distribution of money market funds, stock funds, insurance and other products through mobile apps.

Fund clearing is the business of merchant fund clearing and enterprise fund clearing.

In terms of physical outlets.

Rainbow Bank has 140 offline branches, 300 ATMs, and 11 global overseas correspondent banks in major cities across the country.

The total assets of physical banks reached 140 billion yuan.

The operating income reached 3.386 billion yuan, and the net profit reached 1.388 billion yuan.

The balance of bank loans and advances reached 78.03 billion yuan, the balance of deposits reached 104.787 billion yuan, the balance of non-performing loans reached 1.218 billion yuan, the non-performing loan ratio was 1.57%, and the provision coverage ratio was 260.64%, continuing to maintain a high risk offset capacity.

In the field of Internet finance, there are currently 20 million registered users, more than 8 million credit users, and a total of more than 30 billion yuan of loans issued. "

The voice fell.

Fang Yun nodded slightly.

There is a big difference between internet banking and brick-and-mortar banking.

For brick-and-mortar banks, it is difficult to expand customers, but the profit margin per customer is high.

Internet private banks, it is simple to expand customers, but the profit margin per customer is low.

Rainbow Bank, which integrates physical and Internet finance, operates very well.

Fang Yun asked: "President Wang, is there a problem with the funds of Rainbow Galaxy, do you need the village fund?" (read the violent novel, go to the Feilu Novel Network!)

"Not for now!"

Wang Xue said with a smile: "Rainbow enterprises now deposit part of their funds in Rainbow Bank.

This also made the deposit of our bank reach 104.787 billion yuan.

These funds alone are enough for Rainbow Bank to grow steadily!"

"That's good!"

Fang Yun smiled and nodded.....

The current Rainbow Bank has not yet achieved profitability and is in a state of loss.

But he wasn't in a hurry.

The banking sector is very profitable.

Over time.

Rainbow Bank will definitely be able to turn losses into profits and become one of the most commonly used consumer financial products by ordinary people.

......

At the same time.

Netizens are talking about Rainbow Bank.

Among them, they are very interested in their "rainbow loan" line.

Although this is a loan product.

But netizens still want to know how much money they can borrow.

They click on the "wallet" page of Rainbow Short Video, Rainbow E-commerce, and Rainbow Live, and click "Borrow Money" with one click, and the system will judge the personal credit situation within a few seconds and give a loan amount ranging from 1,000 yuan to 300,000 yuan.

Fill in the information according to the corresponding prompts, and you can complete the loan online in just 5 minutes, and you can borrow and repay at any time.

Users with good credit have a higher loan amount.

For users with average credit, the loan amount is decent.

As for users with poor credit reports, there is no quota.

But soon......

Netizens were shocked by the "quota" of the rainbow villagers!

Some Rainbow villagers also clicked on Rainbow Loan.

It is worth mentioning.

After the rainbow villager fills out his personal information.

Rainbow Bank's big data algorithm gives an exaggerated amount of 10 million yuan per person!

Apparently.

Rainbow Bank has a strong confidence in the repayment ability of Rainbow Villager.

Big data believes that every Rainbow villager has a fixed income.

There are 2,800 households in Rainbow Village.

You can get 10 million yuan in dividends every year.

Even in a family unit.

Every 3.4 rainbow villagers, it only takes a few years to repay the loan!

The most exaggerated.

Rainbow villagers use Rainbow Loan without any interest!

......

In this regard, netizens were stunned.

"Damn?!10 million yuan?!"

"Wardday, the Rainbow Villagers are too cool, aren't they?"

"Although the amount does not represent the deposit, it is related to the ability to repay. But the amount of 10 million yuan still scares me!"

"Damn! Don't you want to be so exaggerated? I tried my rainbow loan limit, and it was only 50,000 yuan! The rainbow villager limit is 200 times that of mine!"

"Even if the amount is high, forget it! The most exaggerated interest-free loan! The interest-free loan of 10 million yuan is also outrageous!"

"Our company's turnover has exceeded 10 million, but there is still interest when you go to Xia Guo Bank, Xia Guo Agricultural Bank, Xia Guo Industrial and Commercial Bank, Xia Guo Construction Bank, and apply for commercial loans!"

"Drought is dying, waterlogging is dying! Rainbow villagers are too happy!"

"I will be reincarnated in the next life, and I must be a rainbow villager!".