I copied my daughter in the parallel world

Regarding the loan matter, after Gu Cheng notified her last time, Sun Wei immediately found a relatively powerful state-owned bank in the local area, seeking advice and help from the other party. Running water, the existence of Sun Wei itself is a customer that the bank needs to win over. After all, for people in the banking industry, there is nothing more coveted than a stable depositor, and it is also related to whether their position is stable, and Whether the performance is up to standard.

This bank is also one of the branches of the country's four major banks. It is also the bank with the largest scale and energy in the local area. It is also often loved by all local companies and merchants. At the same time, it often carries out some savings rewards. Combination, it is precisely because of this means and ideas that its local performance capabilities far exceed those of several other competitors.

Although it has already completed more than a month's performance in the local area, the service attitude of this bank is quite convincing. Issues involving depositors, no matter how big or small, will be resolved with a more positive attitude. The arrogance of big banks, every time I go to the bank to handle my own business, I can be infected by the smiling and sincere attitude of these professionals, and at the same time, the idea of ​​storing funds in this bank for a long time is getting stronger and stronger.

Because of the particularity of the real estate agency industry, Sun Wei almost always needs the bank to handle the corresponding matters. Whether it is the transfer of real estate or other businesses, they all have an indispensable connection with the bank. The amount of in and out of the company is 10 cents fast, and the monthly turnover maintains a relatively healthy attitude, so the bank still treats this kind of customers preferentially. Find out your own shortcomings, and then make corrections to serve customers with a better and more reasonable attitude.

During this process, I was advised by some bank professionals that the company does not have any intention of lending at present. This is an unreasonable thinking and idea in the company's development process. The loan of a small amount of funds can bring the relationship between the two parties closer, and at the same time, it can make the fixed bank deposits have a better flow direction, and bring more benefits to the bank itself.

Don't underestimate these commercial loans. The amount of each loan itself is 10 cents, and the interest rate is also 10 cents high. It is also a way for the bank to maintain its own benefits. Enjoying the return of these interests can often Let the bank manage funds in a relatively stable manner, and at the same time, there are not too many bad debts.

Each loan of the company has been approved by multiple personnel to ensure that the company maintains a normal and profitable state. At the same time, even if there are some crises, the value of the company itself can withstand the amount of the loan.

At that time, Sun Wei was limited by the influence of Gu Cheng's thinking, so she didn't have an urgent need for a loan, and she didn't have much to mortgage. In addition, the company's shares were all concentrated in Gu Cheng's hands. , what I own is only a negligible little bit, and there is nothing necessary to take a loan itself, so I can only reject the sales promotion of these salesmen with a regretful attitude. …

It is a pity within the bank that the customer did not negotiate a loan, because compared with other companies, real estate intermediaries are more adequate to resist the crisis of risks, and at the same time, their own property prices are constantly soaring. Value, but also allows them to have more items that can be mortgaged.

For banks, it is very easy to know something, because they have a relatively large network of contacts, and they can easily find out a lot of information that ordinary people in the market cannot find.

I understand that the real estate agency company Sun Wei is in charge of currently has too many properties under the name, and the registrants of these properties are all the major shareholders of this company, and the loan mortgaged by real estate is almost the least risky, not to mention these , the value of the real estate itself is in a stage of rising, and most of the loan amount is about 80% of the real estate. Compared with giving the money to other companies, the money flows in this direction. It is more secure and stable, and there is not much possibility of losing money.

Although it is a pity, since the customer does not have this demand, I really can't force it. If I continue to entangle, I may offend the other party. If the other party transfers my company's account from my bank If you go to a competitor, it will be completely worth the loss.

Although the current business atmosphere and overall performance of the bank are very good, in the eyes of these practitioners, no customer is not important, even mosquitoes are meat, right?What's more, taking one's own customers away is undoubtedly pushing the other party to one's own competitors, which is a very severe consequence for their company.

The salespersons themselves have given up on this idea and sales. After all, everyone has different business methods. If they have determined that the other party does not have this demand, they need to shift their goals and choose another customer who is suitable for sales.

Because with the development of the social age, people still have a relatively large demand for funds, but because most of the people who are getting rich first are relatively conservative in their thinking, and feel that it is difficult to borrow money from banks to develop their own business. Things that are acceptable, let alone borrowing money, this thing itself has a bad reputation among the people.

These customers who put down farm tools from the mound and turned into businessmen are more feudal in their thinking. At present, it is still relatively difficult for the bank to promote the loan business. It often takes a lot of effort and can't get a better result.

Unexpectedly, when I was about to give up, I suddenly received a phone call from Sun Wei. The words revealed that their company wanted a loan. Although I didn't know the direction of the loan and what the specific reason was, the other party only needed an attitude. Loosening is good news in the eyes of the staff. The two parties met and discussed immediately. After learning that the loan will be mortgaged with real estate, the staff became more eager, because this is a very The effect of easy approval, the value of the collateral is still soaring, this is the result that almost every loan officer prefers.