Shenhao started after the college entrance examination

At Li Xiyan's house, An Liang was discussing work matters with Liu Ling, and Li Xiyan was also listening.

"The credit sector today is not what it used to be."Liu Ling explained,"Take Dia Battery Technology Industry as an example. I am responsible for approving this project, so I need to be responsible for this project. If there is a dead debt or bad debt, I will also be held accountable."

"Taking AXA Construction as an example again, in order to win over high-quality customers like AXA Construction, we offered extremely favorable conditions without any performance to speak of."Liu Ling sighed.

An Liang asked curiously,"As for AXA's loans, does Auntie have no performance?"

Liu Ling shook his head.

"Do you know the nature of bank profitability? Liu Ling asked An Liang.

An Liang suddenly realized,"I understand!""

"Your bank eats the interest difference, the low interest rate for savings customers and the high interest rate for loan customers, and then earns the difference, right?"An Liang explained.

Liu Ling nodded affirmatively,"That's right!"

"The six-year loan interest rate our Gongshang Bank gave you to AXA is 2.5%, with a total interest rate of 15%, which is a full income of 300 million. It seems that our Gongshang Bank is guaranteed to make a profit, but in theory, We discuss that the bank is losing money."Liu Ling explained.

An Liang nodded in understanding. If the same two billion funds are deposited 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 It sounds like Gongshang Bank has lost 30 million yuan.

But in fact it won’t happen!

Because few depositors will save 2 billion yuan for six years at a time.

Gongshang Bank will still save 2 billion yuan for six years. To make money, Gongshang Bank brings together a large number of idle funds from retail investors and then lends them to AXA Construction. The interest rate paid by Gongshang Bank to retail investors may be current or short-term, so Gongshang Bank still makes money, but Just don't make much

"For loan customers like your AXA Construction, I have no performance at all. I am only considered for promotion, and then I received a symbolic bonus of 10,000 yuan."Liu Ling explained.

This...

The project with a loan of 2 billion yuan only received a bonus of 10,000 yuan in the end.

An Liang was unable to complain!

But that's the bank's rules.

Liu Ling continued,"For other loan projects, our performance has a commission of one thousandth to five thousandths, but the liability risks we bear are also very high."

"Still using your AXA Construction as an example, if I can lend you a loan at an annual loan interest rate of 3%, and the interest for six years is 18%, that is an interest of 360 million. Liu Ling explained.

Liu Ling continued,"The loan income interest of 360 million, minus the theoretical maximum expenditure of 330 million savings interest, our bank will generate a profit of 30 million"

"Your AXA Construction is a company with top credit rating. It has a very high rating within our bank and a repayment rate of over 99%. Therefore, I can get the highest-grade profit performance of 0.5%, which is 150,000 yuan. Liu Ling added

"Is it difficult?"Liu Ling sighed.

An Liang nodded,"It's indeed difficult! It is certainly impossible for high-quality customers to accept higher loan interest rates, but if it is lower than the savings interest rate, you will have no performance."

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

The first time Li Xiyan heard Liu Ling talk about work, she suddenly felt that it was really not easy for Liu Ling.

"Thank you for your hard work, Mom!"Li Xiyan said sincerely.

Liu Ling responded,"Actually, it doesn't matter. I don't pursue high income, so naturally I won't be too tired. An

Liang said half-jokingly, half-seriously,"If I need a loan in the future, I will contact my aunt.""

"Okay, I'll help to the best of my ability."Liu Ling promised.

"What if the limit is very high?"An Liang asked casually

"How high? Liu Ling asked back

"Billions of dollars! Anliang responded,"We used to mainly cooperate with Gongshang Bank in Beijing. We currently have two records of 2 billion loans. The interest rate is 0.8% and the loan cycle is 10 days."

Liu Ling exclaimed,"Ten-day loan cycle?""

"Um! An Liang responded affirmatively,"Actually, it was said to be ten days, but we all paid back the debt within a week.""

"Is there any collateral? Liu Ling added,"Or is it just a credit loan?""

"Of course there is collateral! And the collateral is definitely worth two billion!"An Liang responded

"The person who handled it was going to die laughing!"Liu Ling sighed,"For ultra-short-term loans like yours, and with sufficient collateral, our bank generally does not calculate interest for depositors, and the share ratio given to the handler is particularly high."

"I guess it's at least ten percent, right? Liu Ling said with a sigh.

"Is that 1.6 million?"An Liang asked back.

"Um! Liu Ling nodded affirmatively,"But there are almost no such customers. I have been in the industry for more than ten years and have only heard of it once. What you are talking about now is the second time." An

Liang responded with a smile,"Then next time we need a loan, I hope Auntie can help with it.""

"no problem!"Liu Ling agreed directly, and she secretly looked forward to the next time!