I Am a Big Winner in Life

H2728 Liu Ling exposed herself! (2/3]

[Li Xiyan's living room. An Liang was sitting next to Liu Ling, who was pretending to check the loan application materials, and both of them were a little absent-minded. Liu Ling suddenly asked, "It's also Xiyan's birthday during the national celebration. I told her that she will come back for her birthday, will you come back too? Li Xiyan's birthday is October 5th, and the little fox's birthday is On October 1st, An Liang will definitely return to the grand celebration. "Of course!" An Liang replied with a smile. "Then we will celebrate at home and I will cook by myself. "Liu Ling responded. An Liang replied slightly embarrassedly, "This...I think on birthdays, we still celebrate outside to avoid trouble at home." The main reason is that Liu Ling's cooking skills are too outrageous! It's not that An Liang doesn't know what Liu Ling's cooking skills are like? Celebrating Li Xiyan's birthday at home? Does this beautiful witch have any misunderstanding of her cooking skills? ?Anyway, An Liang's heart is full of rejection! Liu Ling smiled secretly, she responded casually, "If you are outside, you choose a place first, I will book in advance, so as not to have no place during the national celebration. 19 "Don't worry, I will handle it. . An Liang responded. "Hmm. "Liu Ling responded, she got up and said, "Do you want something to drink? There is juice and soda at home." An Liang responded casually, "Soda water." After a while, Liu Ling brought An Liang a bottle of frozen soda water, and she prepared a cup of hot brown sugar water for herself. How could a guy like An Liang not understand Liu Ling's meaning? Laughing secretly, this beautiful witch is exposed! Because this beautiful witch's mind is only on the first level, and she doesn't think deeply at all. On the surface, through the contrast between frozen soda water and hot brown sugar water, Liu Ling, She disclosed her situation in detail, even if the situation she disclosed was false, but she expressed an attitude. This attitude is that Liu Ling is thinking in that direction! This is a typical way of thinking in psychology. If Liu Ling herself I didn't think about it, why use hot brown sugar water to hint? This is the root of the problem! Liu Ling is thinking too! That's why An Liang secretly laughed in his heart. After all, Liu Ling exposed her thoughts, and this time she refused Yes, what about next time? An Liang is actually very tangled, but now it seems that this option might be more suitable for Liu Ling? After all, An Liang is a good man. The policy of a good man is: don't take the initiative, don't refuse, don't take responsibility, I don't remember! An Liang picked up the soda water and unscrewed the bottle cap. He took a sip and put the soda water next to the hot brown sugar water, indicating that he had understood Liu Ling's suggestion. He took the initiative to ask and said, "Auntie, how are these loan application materials?|?" Liu Ling watched An Liang put the frozen soda water next to the hot brown sugar water, she was slightly relieved, and then responded to An Liang's question, "More or less Few have some problems, mainly because the risk of bad debts is too high. "Let's wait for our AXA project in Shiliwan." An Liang said casually. "By the way, Auntie, how far is your KPI?" An Liang added to ask how far Liu Ling's tasks were. Liu Ling said a little embarrassedly, "You AXA should not be short of funds, right? 99" In theory, it is indeed not bad. An Liang answered frankly. Sometimes, a frank answer is a better choice. "However, Auntie has KPI tasks, and our AXA funds are also obtained from other channels, so it is the same with your joint bank. An Liang added. A warm current flowed in Liu Ling's heart. "Auntie, how much do you have to do?" An Liang asked again. Liu Ling didn't hide it, she responded, "I'm worse than the standard loan rate now. The amount of work, your AXA loan interest rate is relatively low, not much use to me. Previously, the loan interest rate of the Beiyu Branch of the Gongshang Bank to AXA Construction was even lower than the fixed deposit interest rate. It sounds like the Gongshang Bank is losing money.

But in fact, the Common Commercial Bank did not lose any money!

Because banks have the ability to allocate funds, they have a large number of demand deposits in their hands, and the interest rate of demand deposits is very low. If the account of demand deposits is used to benchmark the loan interest rate of AXA Construction, wouldn't it make money?

The main reason is that the loan of AXA Construction will not have bad debts, and it must be a matter of making money. Therefore, the Common Commercial Bank is willing to use low interest rates to obtain the business of AXA Construction.

However, Gongshang Bank can indeed make money in this cooperation (Zhao Hao), but Liu Ling can hardly, because the loan interest rate is too low, her task cannot be completed at all.

"What is the current standard loan interest rate of your joint bank?" An Liang asked.

"Within one year, the current loan rate is 4.35%. One to three years, and three to five years, the loan rate is 4.75% for one year. The two are just different in the difficulty of review." Liu Ling explained.

"If it is more than five years, the loan interest rate will start at 4.9%, and the review will be very strict, and the inspection and review of the collateral will also be very strict." Liu Ling added.

An Liang nodded slightly, and he asked again, "If the standard loan interest rate is used, how much work does Auntie still need?"

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