Rebirth of financial migrant workers

Chapter 64+192
"Reporter Li, have you seen that this Sanlimiao branch has used all kinds of dirty tricks?"

"Xiao Li, I think you should severely criticize the Sanlimiao branch in your report for seriously violating fair competition by giving commissions to real estate consultants. This malicious way of seizing the market really damages the image of Mule Bank!"

Xiao Li's eyes flashed, and he quickly wrote down in his notebook:

'The main reason why our bank has repeatedly been at a disadvantage in the competition in the mortgage market is that some branch business managers have rigid ideas and lack of marketing initiative.'

Guan Peijuan continued to remind her kindly:

"Reporter Li, they spent 270 yuan on each transaction. You must emphasize this amount in your report. This is a huge waste of industry resources!"

After listening, Xiao Li continued to record:

'. I am jealous of the front-line marketing staff of the branch. As the branch business department, I can't even come up with 270 yuan when marketing customers. I have to make people wonder where the expenses reimbursed by the head office of some branches are used.'

16:30 Imperial City time,
At present, Sanlimiao Branch has signed 163 contracts.

The elites of China Construction Bank closed the team and left the sales department early.

Sister Jun poked Wang Chunliang with her finger and pursed her lips:

"Construction Bank gave up?"

Wang Chunliang: "I have made an agreement with Mr. Jian. Tomorrow we will reduce the information service fee to the normal market price of 70 yuan per transaction. In exchange, China Construction Bank will not kill one thousand enemies and lose eight hundred yuan today." Compete on price with us.”

Sister Jun: "Originally, our expenses were only enough for today's 270 yuan. Mr. Chunliang, this is another waste of money."

"Mr. Chunliang, if you have a difficult and complicated disease, please come over here!"

After receiving the call for help, Wang Chunliang rushed to the scene, only to see Li Xiao holding a stack of credit reports and worrying.

Li Xiao: "Mr. Chunliang, this customer graduated not long ago. He applied for a credit card when he was in college. He didn't pay it back many times and didn't take it seriously. Now the credit report has been overdue a total of 11 times. This situation is far beyond what we usually say. The cumulative number has not exceeded 6 and the consecutive number has not exceeded 3. But if I reject it like this, I feel it is a pity."

Wang Chunliang looked at the credit report, then looked at the customer, and asked:

"Are the parents here?"

"coming!"

Wang Chunliang put on a sad look on his face:
"Your son's overdue payment is a bit serious! It's hard for a normal bank to accept it."

The middle-aged man has rich social experience, and he will know that there is something wrong when the other party says:
"Manager, can you think of a solution? The child was young and ignorant at the time. Now he knows the seriousness and regrets it. I still have some savings from running a business at home. Do you think there are any remedial measures? Do you need to find someone to take care of it? Please just say it!”

Wang Chunliang waved his hand:
"Serious banking business does not require those crooked ways. There is indeed a way. First, you and your wife need to provide joint liability guarantees for the children's loans. Secondly, you need to deposit a five-year time deposit of 15 yuan in our bank."

Middle-aged man: "That's it?"

"Yes, that's all."

"Then what are you waiting for? Hurry up! Thank you so much, manager!"

While the three clients were going to pay the down payment, Li Xiao squeezed in beside Wang Chunliang and was interrupted when he was about to speak.

Wang Chunliang: "Our bank's documents have never said that loans cannot be obtained if the loan is overdue for more than 6 times. This is just a consensus reached by some old mortgage managers and branch approval.

Whether a customer can get a loan depends mainly on the actual risk, rather than certain rules and regulations. Don't put the cart before the horse.

Like the customer just now, his parents are not very old, and the main force in repaying the mortgage for the house is his parents. In this case, adding the joint and several liability guarantee of the parents effectively controls the risk.

In addition, for cities like Hedong where housing prices are at low levels and there is huge room for improvement in the future, the risk of residential (non-apartment) mortgage loans is actually very low. Even if the customer really does not pay back the money, the house can be easily liquidated. Li Xiao: "How about saving 15?" "

Wang Chunliang: "If an individual makes a mistake on the credit level, he or she must accept punitive requirements. Otherwise, wouldn't it be very unfair to those customers who are not overdue?"

Sister Jun asked softly:
“Could this be the deposit-loan linkage warned by the Banking Regulatory Center?”

Wang Chunliang: "Isn't it reasonable to increase deposit requirements similar to margins for individual risky loans to reduce risks? Some departments are really crazy."

Sister Jun quickly covered Wang Chunliang's mouth.

After a while, several real estate consultants surrounded Wang Chunliang.

"Can you handle this kind of child who is overdue more than 6 times?"

"It depends on the specific situation. Problems like the customer just now are not big."

"Then what are you waiting for? I'll make an appointment with the client!"

On the other side, Dr. Ma's 'friend' who had been entangled for a long time found Xia Man.

'Friend': "Mr. SUNNY, the Sanlimiao branch has snatched away almost all of today's customers through high commissions, seizing the financial room, etc. Should we intervene?"

Xia Man's two jewel-like eyes seemed to look at the mentally retarded, and she asked word by word:

"Have our Shuanghe Real Estate employees participated in this and affected the fairness of the competition? What competitive methods did the Sanlimiao Branch use without harming our interests? What are you yelling about here?!"

20:30 Imperial City time,
There is still one and a half hours left before the end of the first day of trading.

Currently, Sanlimiao Branch has signed 192 contracts.
There are 8 transactions left before the task.

At this moment, Guan Peijuan and Dr. Ma no longer care about their own business, but are sitting near the signing point of Sanlimiao Branch.

Dr. Ma: “Mr. Guan, what’s going on with their 200-order task?”

Guan Peijuan: "According to the news from the retail department of the head office, it seems that Wang Chunliang made a bet with Vice President Zhang. The bet is whether Sanli Temple can sign 200 orders on the first day of opening."

"It's so difficult. The bet is probably at least the position of the second-level department manager of the branch. What a pity. There won't be many customers at this time, and they still have 8 orders left, haha."

"You deserve it. If you are betting against the leader, even if you are just a little bit short, it will be a failure. This time the Sanlimiao Branch invested a lot of money, and it will not end well."

After Guan Peijuan finished speaking, she glanced at Dr. Ma, only to find that the other person was staring straight ahead as if he was possessed.

She curiously followed the other person's gaze and turned her head, only to see a beautiful figure in pink professional women's clothing jump into the center of her field of vision.

Qianying walked down from the second floor with brisk steps, and finally stopped in front of Wang Chunliang at the signing point of Sanlimiao Branch.

She said with a playful nasal voice:
"Manager Wang Chunliang, how many mortgage loans can one person take at most?"

Wang Chunliang could not give an emotional answer:

"3 strokes."

Qianying said with some regret:

"That's a pity. I can only help you complete three orders. Manager Wang Chunliang, I'm buying three houses. Please help me handle the mortgage. Thank you!"
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(Try AI painting 1or2?)
(End of this chapter)