Rebirth of the Super Banking System

Chapter 362 Attack on Fenghua Assets (Subscribe!)

Gao Ming had nothing to do here, so Tang Qing got up and left.

In fact, it's not nothing, but there are a lot of things. Otherwise, Dou Jiao wouldn't come today. It's just that these things have nothing to do with the dumping boss Tang Qing.

He didn't have the slightest interest in participating in specific matters, and he would just look at the report of Tianyan afterwards.

Seeing Tang Qing just say a few words willfully and then leave, Gao Ming is also the first time he sees how thorough Tang Qing is, what can he do other than a wry smile. eyes.

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

"Hehe, our President Tang is really not an ordinary person." Gao Ming said with emotion, saying that he should be more important, but there is a hint of shrewdness in his behavior, saying that he is young and frivolous, but he is approachable, has no air, and acts candidly. , I have to say, this is a very charismatic and infectious person. It makes people feel kind.

"Of course, can ordinary people do this at this age?" Dou Jiao said with a little pride, if it wasn't for Tang Qing having Lin Jiaxue, she would not be able to help Tang Qing's red line, her mother's family is not A young school-age girl, her conditions are not bad in all aspects. With Tang Qing's conditions, she was chosen at random.

But since she met Lin Jiaxue, she has no such idea anymore. She knows that Lin Jiaxue is the love of Tang Qing's life, the kind that can't be separated.

"Too."

Gao Ming nodded.

"Okay, let's have our meeting." Dou Jiao immediately went to work.

. . .

After leaving Gaoming, Tang Qing did not go anywhere else, but came to Fenghua Asset Management Company.

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

Through word of mouth and acquaintances from those customers, Fenghua Assets has also made a name for itself in the lending industry in Qingyan City. There are more and more small bosses who know it, and the number of customers has naturally skyrocketed.

According to the statistics of the command room, up to now, the total amount of loans from Fenghua Asset Management Company has exceeded 200 million yuan, and the number of customers has exceeded 200. Converted down to each customer is only a loan of one million yuan.

Is it more than one million yuan?

Certainly not much.

But it also depends on coverage.

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

When the first loan is repaid on time, the customer's level will be upgraded, becoming a first-level customer, and the loan amount will be doubled. In order to avoid someone maliciously brushing the level, only the third month after the upgrade can enjoy the current level of 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. The amount and method will vary.

Different customers have different credit, different personalities, different industry status, different family conditions, different interpersonal relationships, different abilities, etc. There are too many factors. Even if they are of the same grade, their loan amount is different. It will be dynamic and flexible, and it will not be rigid. After all, even if a business owner has good credit, but the family has the risk of breaking up, and his personality is relatively extreme, the loan risk is great and has to be taken into account.

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

But Tang Qing wanted to give it a try, because even if he opened a bank in the future, what he wanted to do was to be a bank that could make money, serve customers with good credit, and at the same time ensure the safety of his own funds. A pile of bad debts was not what he wanted. , he will do something different. Fenghua Asset Management Company is a very good test field. It will be very useful in the future. Others still can't copy it. out of the way.

There are soldiers.

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

Come to Fenghua Assets.

At this time, Fenghua is not as sparsely populated as before, but customers are lined up, one by one, holding materials, waiting for review, when Tang Qing arrived, he saw seven or eight people sitting on the chairs at the door, but Tang Qing Qing knew that even if the restrictions on collateral were lifted, no more than two would be able to get loans.

the reason is simple.

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

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

For example, for a factory with a value of two or three million yuan, it is very difficult for the business owner to go to the bank to pledge a loan. Even if it is operated, and some money is put in or has a relationship, the funds that can be loaned out will never exceed one and a half million yuan. Even one million yuan depends on luck.

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

Although Fenghua’s loan has loosened the restrictions, it can be guaranteed at a 20% discount on the valuation of the collateral, and as long as there is no problem with the property rights, and the business owner’s loan is used for business operations, then the first loan must be no problem. However, most of the applications that have been cut are the business owners who lied, concealed the real situation of the business, provided false information, or prepared to tear down the east wall to make up for the west wall.

Tang Qing's purpose is to help the owners of medium, small 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 there are still many people who are holding their own. This is the purpose of lying here, trying to defraud a loan.

Even the basic integrity can not be achieved, Tang Qing can only say sorry to them.

Due to the experience of making small loans in his previous life, he wanted to help those 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 and selling. , For the rich, unkind, and unscrupulous businessman.

PS: Chapter 3, here we come, ask for a ticket.

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