Chapter 360

Gaoming is OK here. Tang Qing gets up and leaves.

In fact, it's not OK, but there are many things. Otherwise, Dou Jiao won't come today. It's just that these things have nothing to do with Tang Qing's boss. He came here today to meet several management of the security company and draw a vision.

He didn't have any interest to participate in the specific affairs. He could read the Tianyan report afterwards.

Seeing Tang Qing, he said a few words at will and left. For the first time, Gao Ming saw how thoroughly Tang Qing left the shopkeeper. What can he do except to smile bitterly? He can only look at him carefully and slowly.

"President Gao, it's good to get used to it." Dou Jiao said with a smile.

"Ha ha, we Tang are not ordinary people." Gao Ming said with emotion that he is a young man, but his work style is full of shrewdness, that he is young and frivolous, but he is approachable, has no airs and is straightforward. In a word, he is a person with great personality charm and appeal. It makes people feel kind unconsciously.

"Of course, can ordinary people do this at this age?" Dou Jiao's tone is a little bit proud. If Tang Qing had not had Lin Jiaxue, she would not have been able to help but lead a red line to Tang Qing. Her mother's family could have many girls of suitable age, and the conditions in all aspects were good. Depending on Tang Qing's conditions, it was optional.

However, since she met Lin Jiaxue, she has no such idea. She knows that Lin Jiaxue is Tang Qing's lifelong love and inseparable kind.

"Yes."

You can't stop being smart.

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

。。。

Leaving Gaoming here, Tang Qing did not go anywhere else, but came to Fenghua asset management company.

After such a long time of development, Fenghua asset management company has also ushered in rapid development. The 50 million yuan previously given has long been used up, and Tang Qing has allocated another 100 million yuan in an emergency to maintain it until now.

According to the word-of-mouth and the introduction of acquaintances, Fenghua asset has also become famous in the loan industry of Qingyan city. More and more small bosses know about it, and the number of customers has also skyrocketed.

According to the statistics of the command office, up to now, the total amount of loans from Fenghua asset management company has exceeded 200 million yuan, and the number of customers has also exceeded 200. It's only a million yuan loan per customer.

More than one million yuan?

Not much, of course.

But it also depends on coverage.

These loans have been restricted by Tang Qing for a long time. At present, they only serve small, medium-sized and micro enterprises, and do not accept consumer emergency loans from large enterprises and individuals. The amount of loans is also limited. The first loan of new customers is limited to a maximum of one million yuan, and the guarantor or equivalent collateral must be provided. At this time, the credit rating of customers is average.

When the first loan is paid off on time, the customer's level will be improved and become a first-class customer, and the loan amount will double. In order to avoid someone abusing the level maliciously, only the third month after the upgrade can enjoy the treatment of the current level.

These two levels are only for the purpose of establishing initial trust, and at the same time, the company has time to thoroughly check the industry, status and personal information of the lender. When the complete personal information is filed, the amount and method of upgrading each customer's level will be different in the later stage.

Different customers have different credit, different personalities, different industry positions, different family conditions, different interpersonal relationships, different abilities, and so on. There are too many factors. Even at the same level, their loan limit will be dynamic and flexible, and will not be rigid. After all, a business owner's credit is good, but the family is broken The risk of cracking, the character of which is quite extreme, is so great that we have to take it into account.

Such a hierarchical approach is extremely cumbersome and complex. Let alone private lending, no bank in the world will even consider such a comprehensive and complex audit classification system, especially small loans of this scale, because the cost is too high to be frightening.

But Tang Qing wants to try, because even if he wants to open a bank in the future, what he has to do is to be a bank that can make money, can really serve the customers with good credit, and ensure the safety of its own capital. A pile of bad debts is not what he wants, and he has to do something different to come out. Fenghua asset management company is a very good experimental field, and it will be in the future It's very useful. Other people can't copy it. It's a failure. It's a big deal. Now the boat is small and easy to turn around. It's OK.

There are soldiers.

Tang Qing has the foundation to perfect this complicated system.

Come to Fenghua assets.

At this time, the flow of people is not as sparse as before, but the customers are all queuing up, holding information one by one, waiting for review. When Tang Qing arrives, he sees seven or eight people sitting on the chair at the door, but Tang Qing knows that even if the restrictions on collateral are released, there will not be more than two people who can get loans here.

The reason is simple.

Before that, he read the summary of this period.

They have received more than 1000 applications, less than 20% of which have passed the examination and approval, which is still the release of the mortgage restrictions.

For example, in a factory with a value of 23 million yuan, it's very difficult for business owners to go to the bank to pledge loans. Even if it's put into operation, or if it's related, the amount of money that can be loaned out will never exceed 1.5 million yuan, or even a million yuan.

Of course, this is the general situation. There are many examples of a million assets with a valuation of 10 million and a loan of 5 million. However, compared with the proportion, it can be ignored, so it is not considered.

However, although Fenghua's loan has been liberalized, it can be guaranteed by 20% of the value of the collateral. As long as the property right is OK and the owner's loan purpose is to operate the industry, the first loan is certainly OK. However, most of the applications that have been cut off are lies of the owner of the enterprise, concealing the real situation of the enterprise, providing false information or preparing to demolish the east wall Make up for the west wall.

Tang Qing's purpose is to help the bosses of medium, small and micro enterprises with good credit develop and solve their capital problems. Even for the first time, they didn't make mandatory requirements on the business operation of the enterprise, but many people came here with various purposes to lie and cheat for loans.

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

Because of his previous experience of making small loans, he wanted to help those small business owners with good credit, not all of them. He didn't think he had the ability, nor was he willing to help those illegal businessmen who specialized in counterfeiting, profiteering and lying.

PS: Chapter three, here we are. Please ask for tickets.