Rebirth of financial migrant workers

Chapter 302: Granting interest-free loans to repay small loans
Ning Minghao, who had been lying down, immediately sat up straight after hearing this.

His first reaction was that Wang Chunliang was bragging, and how could it be possible to easily find solutions to problems that had plagued various banks for many years.

But then I thought about it, this brat really has a lot of crooked ideas, and they are very effective every time. Could it be that there is really a way this time?
Facing Ning Minghao's half-suspicious and half-expected look, Wang Chunliang smiled and continued:
"Before that, I would like to report to Uncle Ning about something that Wan Ning and I encountered accidentally when we traveled to Yun Province this time."

After Wang Chunliang's brief introduction, Ning Minghao's brows furrowed more and more.

He finally couldn't help but ask:

"In other words, there are a large number of students in several universities in Dali who are taking out that special 'student loan'?"

Wang Chunliang nodded.

"There are even many families in Shuanglang Town that have gone bankrupt because they helped their children pay off their 'student loans'?"

Wang Chunliang nodded again.

"Borrowing small loans is like taking drugs. It will make people's greed continue to expand. Once infected, it will be difficult to stop until they can no longer run away."

However, students' funds are limited, so at this time, the organization will send "salesmen" to apply for loans offline for players who continue to use money. "

Wang Chunliang shook his head, opened Baidu on his mobile phone and played the game 'Tianya', and then handed it to the other party:
"The lending organization developed a game called 'Tianya', and then recruited male players online through female employees, guiding them to excessive consumption.

As a leader in the industry, he had seen and heard too many similar things, and he was no longer surprised by them.

"It seems that it is indeed more rigorous and concealed than the naked loan design. On the surface, playing games and loan top-up games are normal behaviors. This lending organization is not ordinary. This set of processes alone requires A lot of manpower and material resources. And since they can obtain 'customers' from several local universities, they probably have some collusion with university leaders."

"I remember that a naked loan case was exposed in Southwest Province last year, which caused quite a stir in the circle, and the main target of lending was students. Are the campus loans in Dali you mentioned similar to this one?"

At this point, Ning Minghao suddenly stopped. He looked up at Wang Chunliang and asked uneasily, "What is the purpose of mentioning this matter to me? Are you thinking?"

Ning Minghao curled his lips and fell on the recliner again.

He feels that this phenomenon is the inevitable result of the current barbaric development of the financial industry.

Ning Minghao looked at the phone screen and frowned even more.

"As a member of the national financial institution, should we, Mule Bank, take the initiative at this time and show our bank's style?"

Facing Wang Chunliang's question, Ning Minghao closed his eyes and replied in a bad tone:

"Even if it's a small loan, it's voluntary between you and me. You just told me that the people who took out the loans are all college students, so they should all be adults, right? I can't control my greed, who can blame me?" "Ning?" Uncle, adults should pay the corresponding price for greedy borrowing, but college students are a little different after all. They have not entered the society and lack the ability to distinguish traps. The parents behind them are even more innocent. The local residents of Dali, one year My entire income may have to be spent on repaying the loan.”

Ning Minghao interrupted Wang Chunliang's words:

"Pity is pity. If you are dissatisfied or wronged, you can go to the police or file a lawsuit. However, judging from the information you just revealed, I guess the local background of this organization must not be simple."

After saying that, he opened his eyes again, turned around and looked at Wang Chunliang:
"How come you, a brat like you, can encounter this kind of thing wherever you go? Don't touch this kind of thing, stay as far away as you can, do you hear me!"

Maybe the scolding was a bit loud, which caused the eldest lady not far away to raise her fist in protest.

Ning Minghao had no choice but to wave and smile awkwardly to show his comfort.

Wang Chunliang also blew a kiss to the eldest lady, making her smile happily.

It wasn't until Ning Minghao coughed that he turned his head and continued talking about business:
"Uncle Ning, in fact, the method I mentioned to improve the bank's reputation is related to this matter. According to my estimate, there are nearly a thousand students involved in 'student loans' in just three universities, and behind them are nearly a thousand households. family. If we help them this time, wouldn’t we worry about improving our reputation?”

Ning Minghao, who originally thought the other party had some good ideas, was immediately discouraged after hearing this:
"Help? How to help? Donate? Donating money for this kind of thing is not random!

loan? We can't let the bank give them loans and let them repay the small loans, right? Then we will be scolded to death by the people across the country.

Still 'sensational'? Banks have to be careful even in advertising, and don't dare to attract attention when making donations. If you donate too much, people will say that the bank has made a lot of illegal money. If you donate too little, people will say that we are rich and unkind.

In this case, you said you would use this matter to create a public opinion article? I tell you, the only result will be that the media will take the lead in criticizing us for showing off! "

Wang Chunliang: "Uncle Ning, let me answer your first question first. It is indeed not a donation, but a loan. Uncle, don't worry, just listen to me. This special loan can be set as an interest-free loan, that is, the borrower does not need to The interest repayment period and the loan repayment cycle are five or even ten years. If this is done, people across the country will no longer criticize our bank, right?"

"Wait a minute, it's an interest-free loan. It's not compliant. Over there is the supervision."

"Non-compliance? Two years ago, when the head office was preparing to build a fund-raising house, it provided interest-free loans to its employees. I remember that the supervision did not have much opinion on this at the time. Now we provide interest-free loans for the purpose of helping needy families. , It’s reasonable and well-founded. No supervisor would dare to say anything bad if they saw it.”

Ning Minghao rolled his eyes, said nothing, and signaled the other party to continue.

"Then the second question is, does the bank have to keep a low profile with its tail between its legs? You said that our banks don't dare to show off when donating money, and we are worried about being questioned when doing good deeds. In fact, the main reason is that when banks do these things, they lack the ability to let others know. Ways of public supervision. The solution is very simple. Our assistance to families affected by small loans is highly transparent throughout the entire process, and Shangxing TV provides special reports to guide public opinion."

"No, wait, you said that the whole process is highly transparent. That's no problem. If our bank decides to help, we will definitely do our best and not be afraid of supervision. But you said that it is unrealistic to have a special report on Star TV. Can our Mule Bank please In addition to online media, the highest level one is Hedong TV Station. They are not on the stars, and they are unlikely to do any special reports for us."

Wang Chunliang grinned when he heard this, and he stretched out his right hand and pointed in the direction of the eldest lady:
"Uncle Ning, have you seen the lady sitting next to Wan Ning? She is Wen Chuxin, the ace reporter of the Imperial Financial Channel."
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Happy Lantern Festival to all my book friends!
(End of this chapter)