Rebirth

Gao Ming here is nothing, Tang Qing got up and left.

In fact, it is not okay, but there are quite a few things. Otherwise, Doujia will not come today, but these are not related to Tang Qing’s Boss. He came to see several management layers of the security company today, and by the way, draw a vision.

He has no interest in participating in specific matters, and he will see the report of the sky afterwards.

Seeing Tang Qing, he said a few words and left. Gao Ming is also the first time to see Tang Qing. This shopkeeper is so thorough, except for the bitter smile, he can only send the ‘careful walking’ Looks awkward.

“Gao, the habit is just fine.” Dou Jiao said in the side with a laugh.

“Hehe, we are really not ordinary people in Tang.” Gao Ming said with emotion, saying that he is less or less, but he is savvy in his style of work, saying that he is young and frivolous, but he is approachable, has no shelf, and is temperamental. I have to say that this is a very personal and attractive person. People feel uncomfortable and unwilling.

“Of course, can people do this at this age?” Doujiao took a little pride in her tone. If Tang Qing had Lin Jiaxue, she couldn’t help but bring Tang Qing a red line. My mother’s family may not. Girls of less age, the conditions in all aspects are not bad, with the conditions of Tang Qing, it is casually picked.

However, since she met Lin Jiaxue, she did not have this idea anymore. She knew that Lin Jiaxue was the kind of love that Tang Qing had in his life.

“Also.”

Gao Ming did not stop nodding.

“Okay, let’s open our meeting.” Dou Jiao immediately entered the working state.

. . .

Leaving Gaoming here, Tang Qing did not go elsewhere, but came to Fenghua Asset Management Company.

After such a long period of development, Fenghua Asset Management Co., Ltd. also ushered in rapid development. The 50 million RMB that was previously used has long been used up, and Tang Qing has urgently allocated 100 million yuan in the past to maintain it.

After the word-of-mouth and acquaintances of those customers, Fenghua Assets has already made a name in the lending industry in Qingyan City. The number of small Boss is also increasing, and the number of customers is naturally skyrocketing.

According to the statistics of the command room, as of now, the total amount of loans from Fenghua Asset Management Co., Ltd. has exceeded 200 million yuan, and the number of customers has exceeded 200. Each customer is also converted into a loan of one million yuan.

More than one million yuan?

Of course not much.

But this also depends on coverage.

These loans, Tang Qing, have been restricted early. Currently, they only serve medium, small and micro enterprises. They do not accept consumer emergency loans from large enterprises and individuals. The amount of loans is also limited. New customers can only borrow up to one million yuan for the first time. And the guarantor or equivalent collateral must be provided, at which point the customer credit rating is average.

When the first loan is repaid on time, the customer level will be upgraded and become a first-class customer. The loan amount will be doubled. In order to avoid malicious leveling, 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 give the company time to conduct a thorough investigation of the industry, status, and personal information of the lender. When the individual complete information is filed, each customer upgrades the level later. The amount and method will vary.

Different customers, different credits, different personalities, different industry status, different family status, different personal relationships, different abilities, etc. There are too many factors, even if they are at the same level, their loan amount is also It will be a dynamic and flexible change, and it will not come rigidly. After all, even if a business owner has good credit, but the family has a risk of rupture, its personality is still extremely extreme, and the risk of this loan is large, and it has to be considered.

This level of arbitrage is extremely cumbersome and complicated. Not to mention private lending, no whole world or even a bank will consider such a comprehensive, complex audit classification system, especially for small loans of this size, because the cost is high enough to be scary.

But Tang Qing wants to try, because even if he opens a bank in the future, he will also be a bank that can make money, can really serve the customers with good credit, and at the same time guarantee the safety of his own funds. A bunch of bad debts is not what he wants. He will do something different. Fenghua Asset Management Co., Ltd. is a very good experimental field. It will become useful in the future. Others will not be able to copy it. It will fail. If it is not necessary, it will be a good turn. Not in the way.

There are soldiers.

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

Come to Fenghua Assets.

At this time, the wind is not as sparse as before, but the customers are all lined up. Each and everyone holds the information and waits for the review. When Tang Qing arrives, he sees seven or eight people sitting in the chair at the door, but Tang Qing knows that even if the collateral restrictions are released, there will be no more than two loans.

the reason is simple.

Before, he had read the summary of the time.

They received more than a thousand applications submitted, of which less than 20% passed the review, which still released the collateral restrictions.

For example, in a factory with a value of two or three million yuan, it is very difficult for a business owner to go to a bank to pledged a loan. Even if it is operated, if it is money or a little related, the amount of money that can be loaned will never exceed one hundred yuan. Even one million yuan has to look at luck.

Of course, this is the general case. Some one million assets, the valuation of 10 million, and the loan of five million are many examples, but they are negligible compared to the ratio, so they are not considered.

However, Fenghua’s borrowings can be guaranteed by the 20&off of the collateral valuation, and as long as the property rights are no problem, the business owner’s borrowing purpose is to operate the industry, then the first loan is definitely no problem. However, most of the applications that have been chopped are the business owners who are lying, concealing the real situation of the company, providing false information or preparing to dismantle the east wall to make up the Western Wall.

The purpose of Tang Qing is to help the well-developed small, medium and small enterprises Boss develop and solve their financial problems. Even the first loan does not require the company’s business conditions, but there are still many people holding each The purpose of this kind of lying is to lie and want to defraud the loan.

Even the basic integrity can’t be done, Tang Qing can only say sorry to them.

Because of the experience of making a small loan in the past, he wanted to help Boss, a small credit company, from the beginning, not all. He didn’t think he had this ability, and he was not willing to help those who made fake fakes. An unscrupulous businessman who is rich and ignorant.

PS: The third chapter, come, ask for a ticket.