I Am a Big Winner in Life

Chapter 769

At Li Xiyan’s house, Anliang is discussing work with Liu Ling, and Li Xiyan is listening.

“The current credit department is different from before.” Liu Ling explained, “Take Dia Battery Technology Industry as an example. I am responsible for approving this project, and I need to be responsible for this project. If there is a bad debt, I Will also be held accountable.”

“Take your AXA Construction as an example again. In order to win over high-quality customers like your AXA Construction, we have offered extremely favorable conditions, and there is no performance at all.” Liu Ling sighed.

Anliang asked curiously, “Does the auntie have no performance regarding AXA’s loan?”

Liu Ling shook her head.

“Do you know the nature of bank profit?” Liu Ling asked Anliang.

Anliang suddenly realized, “I understand!”

“Your bank takes the interest difference, low interest rate for savings customers, high interest rate for loan customers, and then earns this difference, right?” Anliang explained.

Liu Ling nodded affirmatively, “Yes!”

“The six-year loan interest rate we gave you at AXA by Gongshang Bank is 2.5%, and there is a total of 15% interest, which is a full 300 million yuan in income. It seems that we Gongshang Bank will make a steady profit, but in theory, , Our Commercial Bank is losing money.” Liu Ling explained.

Anliang nodded in understanding. If the same two billion funds are stored regularly for six years, the annual interest rate is 2.75%, and the total interest for six years is 16.5%, that is 330 million.

In theory, Gongshang Bank lost 30 million yuan.

But in fact it won’t!

Because very few depositors will save six years at a time, let alone save two billion of funds for six years.

The Gongshang Bank will still make money. The Gongshang Bank pools the idle funds of a large number of retail investors and lends them to AXA Construction. The interest rate that the Gongshang Bank pays to retail investors may be current or short-term, so we will discuss it together. Banks still make money, but not much.

“For loan customers like your AXA Construction, I have no performance at all. I just use it as a consideration for promotion, and then I get a symbolic bonus of 10,000 yuan.” Liu Ling explained.

This one…

The 2 billion loan project actually only received a bonus of 10,000 yuan in the end.(Read more @ wuxiax.com)

Anliang is unable to complain!

But this is the bank’s rules.

Liu Ling continued, “For other loan projects, our performance has a commission of one to five thousandths, but the risk of responsibility is also very large.”

“Take your AXA Construction as an example. If I can lend you a loan at an annual interest rate of 3%, and the interest rate for six years is 18%, that would be an interest of 360 million yuan.” Liu Ling explained.

Liu Ling continued, “The interest on loan income of 360 million yuan, minus the interest of the theoretical maximum expenditure of 330 million yuan, our bank generates 30 million yuan in profit.”

“Your AXA Construction is a top-level credit enterprise. The internal rating of our bank is very high, and the repayment rate exceeds 99%, so I can get the top grade five-thousandths of profit performance, that is, the performance of 150,000.” Liu Ling added.

“Isn’t it difficult?” Liu Ling sighed.

Anliang nodded, “It’s really difficult! High-quality customers are certainly unlikely to accept higher loan interest rates, but if they are lower than the savings rate, you have no performance.”

“If there are bad debts, it will be more troublesome, and the responsibilities must be divided.” Liu Ling sighed, “I can only say that the basic salary is higher than my previous position. Try to be careful to avoid possible bad debts. ”

It was the first time that Li Xiyan heard Liu Ling talk about work-related matters. She suddenly felt that Liu Ling was really not easy…

“Mom, thanks for your hard work!” Li Xiyan said sincerely.

Liu Ling responded, “In fact, it doesn’t matter. I don’t pursue high income, so naturally I won’t be too tired.”

Anliang said half-jokingly and half-seriously, “I have a loan request here in the future, and I will contact my aunt.”

“Okay, I will help within the maximum scope of authority.” Liu Ling promised.

“What if the quota is high?” Anliang asked casually.

“How high?” Liu Ling asked back.

“Billions!” Anliang replied, “We used to cooperate with the Beijing Gongshang Bank. At present, there are two records of loans of 2 billion, the interest rate is 0.8%, and the loan period is 10 days.”

Liu Ling exclaimed, “A ten-day loan cycle?”

“Yeah!” Anliang replied affirmatively, “Actually, it was ten days, but we all paid back the arrears within a week.”

“Is there any collateral?” Liu Ling asked, “Or simply a credit loan?”

“Of course there is collateral! And the absolute value of the collateral is 2 billion!” Anliang responded.

“The handlers are going to laugh to death!” Liu Ling said with a sigh, “Your ultra-short-term loans, and there are sufficient collaterals, our banks generally do not calculate depositor interest, and the ratio of the share to the handlers is special. high.”

“I guess, at least 10%, right?” Liu Ling exclaimed.

“That’s 1.6 million?” Anliang asked rhetorically.

“Yeah!” Liu Ling nodded affirmatively, “but there are almost no such customers. I have been in the business for more than ten years and I have only heard of it once. You are talking about the second time now.”

Anliang responded with a smile, “Then next time we need a loan, I hope Auntie can help me deal with it.”

“No problem!” Liu Ling agreed directly, and she secretly looked forward to the next time! .