Rebirth Starts From 2006

In contrast, Zhou Na and Zhang Jin's eyes lit up,

Although the person is sitting, it can also be seen that the height should be more than 1.8 meters. The person looks about 27 or 28 years old. He is obviously sitting but straight, neither immature nor ignorant It makes people feel too mature, just at the age of youth, and the most important thing is that he is handsome enough!

Looking at his attire, he was covered with familiar brands, and the price was just right, matched with his age, appearance and temperament, not too ostentatious, but not underestimated, it seemed just right,

The most rare thing is that sense of fashion, which is definitely more than ten years ahead of the current so-called fashion, which cannot be brought up by ordinary families.

The two looked at each other secretly, and nodded invisibly, um, it should be a high-quality stock!

Walking in front of Chen Yang, Zhou Na bent slightly and spoke first, "Mr. Chen, I am Zhou Na from the Credit Department of Min'an Bank. This is my colleague Zhang Jin. I am very happy to serve you."

Zhang Jin gritted her teeth lightly, hum, doesn't my wife have a long mouth, I need your introduction!

Immediately, he took a half step forward, smiled with six teeth that showed his charm after two months of training, and said softly, "Mr. Chen, I am very glad to serve you. Excuse me, do you want to apply for loan business?"

Chen Yang sighed slightly in his heart, it really was Chu'er, how could he go straight to the topic without even sitting down when he entered the door?

The most important thing is, are you still grabbing words? !

However, his face remained calm, with the corners of his mouth slightly raised, and he said, "Yes, come here to inquire about the loan situation, but, would you please sit down first?"

Hearing this, the two of them blushed immediately. Resisting the urge to roll their eyes at each other, they smiled awkwardly at Chen Yang, and then sat opposite Chen Yang from left to right.

Faced with this young child, Chen Yang felt that there was no need to go around, and he would not afford this opportunity without being bullied, so he abandoned the original plan and decided to use the straight-forward strategy. He picked up the briefcase and put it on the table. Li took out three real estate certificates, put them in front of the two of them, and said, "How much money can I borrow for the three shop property certificates of the largest fruit and vegetable wholesale market in South China and even the country? What is the interest rate? How many options are there for repayment? How long is it? Are there any other additional preferential conditions..."

A series of questions made Zhou Na and Zhang Jin feel dizzy.

Uh, sir, you are so proficient, do you often take out loans?

However, the two of them are professionally trained financial elites after all, and they quickly realized that

Zhou Na picked up the real estate certificate and looked at it. It was indeed a shop in the fruit and vegetable wholesale market. However, is the largest fruit and vegetable wholesale market in South China and even the whole country so awesome?

At this time, Zhang Jin also read the real estate certificate, and smiled at Chen Yang, "Mr. Chen, you want to use these three berths to apply for a mortgage at the bank, right?"

Chen Yang shrugged and said expressionlessly, "Otherwise, why am I here?"

Wow, this man speaks so aggressively!

Hmph, minus one point!

Zhang Jin's face froze, and she complained secretly, then returned to normal, and said with a smile, "It's like this, Mr. Chen, according to our bank's regulations, you can fill out a loan application form today, and then our risk control department will give you an answer. Assess and inspect the collateral, determine a loan scope, and if there are no other problems, the loan can be released within five working days."

"Five days? So long?" Chen Yang frowned suddenly, "Can there be any results within three days?"

Sure enough, he is a rookie. He himself graduated from a finance major. Several students in his class have joined the bank to work. Naturally, he knows some inside information. Under normal circumstances, a bank's loan procedures are either completed or a month or two. Fortunately, it took five days to open his mouth, and this was the last card that was directly blown.

Zhang Jin froze again, took a deep breath, tried to maintain her most beautiful smile, and said, "This is Mr. Chen,

Risk assessment requires a process, five working days, which is already very, very fast. Under normal circumstances, it usually takes 20 to 30 working days. "

God, five working days is too slow, what should I do if I make people wait for five months? If it weren't for my mother's eagerness to make up this month's performance, it would be impossible to give such a fast speed,

That's right, it's just for performance, hmph, it has absolutely nothing to do with whether this person is handsome or not!

As soon as the voice fell, Zhou Na who was next to him immediately spoke and said with a smile, "If Mr. Chen is sure to take a loan from our bank, I can urge the audit department to shorten the evaluation time as much as possible, but it will take three working days at the earliest." , I also hope that Mr. Chen can understand."

When Zhang Jin heard this, she lost control of her left hand. She stretched out from under the table to the left, pinched someone's thigh, gently pinched a piece of meat, rotated, and rotated again...

Then, caught by a small hand, hiss...

Forget it, let her go for now, and if you dare to tear down my mother's platform, she must look good in the future!

"Um,"

Chen Yang didn't know about the secret battle under the table, so he responded vaguely. In fact, judging from the efficiency of this era, five working days is indeed very fast, and three working days is unimaginable. These two are really inexperienced , if you change to an old fritter, it will take a month to open your mouth, which is the normal rhythm.

After a pause of two seconds, Chen Yang asked again, "What about the interest rate?"

Zhang Jin immediately said first, "Mr. Chen can rest assured about the interest rate. In order to give back to the majority of users, our Min'an Bank has recently launched a series of preferential loan policies. The interest rate is as low as 5.4% for loans of less than half a year. 5.85% for more than half a year to one year, 6.03% for medium and long-term loans for one to three years, 6.12% for three to five years, and 6.12% for five-year loans The above is 6.39 percent."

Zhou Na next to her gasped, her little hand under the table stretched to the right uncontrollably, and kindly gave back to her best friend with a fleshy spin,

Even if the time is short, you dare to quote the reserve price directly. Do you really think that the manager will not swear if she is easy to talk to?

Chen Yang saw the beautiful woman on the opposite side, who should be called Zhang Jin, and suddenly sat up straight, thinking that she was going to continue talking, but just smiled, without making a sound, and said softly, "It's okay, better than five It is true that the bank has a little discount, but compared with China Merchants Bank and Guangfa, it seems that the advantage is not obvious."

Not satisfied?

I thought that if you were good-looking, you would be easy to talk to, but I didn't expect that all capitalists are equally black!

Zhou Na slandered, and said calmly, "Mr. Chen is joking, the loan interest rate of our Min'an Bank can definitely be compared with any peers, and, compared to the loan interest rate, Mr. Chen should be more concerned about the loan interest rate." Quota!"

When Chen Yang heard it, he was shocked, nodded unconsciously, and said, "Then what is your mortgage loan ratio?"

Zhang Jin immediately raised her head and said confidently, "If it is really as Mr. Chen said, it is the largest fruit and vegetable wholesale market in South China. For such high-quality assets, the highest approval ratio of the bank can be given to 120%. !"

One hundred and two percent? !

Chen Yang raised his brows lightly, hey, yes.

That means that assets with an appraised value of 150,000 can be loaned up to 180,000.

It turns out that the enlarged loan policy was launched this year?

Generally speaking, in order to control risks, banks will grant loans at a rate of 90% or even lower of the appraised value of the subject matter, but Min'an Bank has given it 120%. Wrong, in the past two years, Min'an Bank has gone crazy in order to improve its performance.

This development method of expanding risks has indeed helped Min'an Bank achieve very good performance in the early stage. If it develops smoothly, it may indeed help them climb to the second echelon.

Moreover, if I remember correctly, after Min'an Bank, other small banks, and even a few second-tier banks have also started to make large-scale loans, and they have seized a lot of credit from the five major banks in a short period of time. market share,

However, they were unlucky. A year later, they encountered a global financial crisis. Many pledges depreciated in value, resulting in a large number of bad debts. The pace of expansion of Min'an Bank stopped there, and it turned to a conservative operation, trying its best to digest bad debts and bad debts. , Barely kept the position of the third echelon, and was no longer able to seek improvement.

In addition, with the pressure from the five major banks, the Banking Regulatory Commission also urged all commercial banks to cancel this kind of loan policy that expands risks and does not respect martial ethics. At least Chen Yang has never heard of anyone having such a business.

So, this time point is very delicate, early, there is no such a favorable policy, late, even more hopeless.