Good luck! This village is full of billionaires

July 20th.

Rainbow CBD Business District.

Rainbow Bank Headquarters.

Inside the president’s office.

President Wang Xue is reporting to Fang Yun.

She said: “Village chief, our Rainbow Bank obtained a private bank license, a third-party payment license, a consumer finance license, an Internet insurance license, an Internet fund and sales license, an Internet trust license, and an Internet micro-loan license six months ago. Equity crowdfunding license, Internet securities license, personal credit license.

At the same time, Rainbow Bank has opened relevant loan links, financial management links, fund links, etc. on the Rainbow Short Video APP, Rainbow E-commerce APP, and Rainbow Live APP.

Three All APPs have opened Rainbow Loan.

Rainbow Loan is a loan product that realizes online operation on the Internet throughout the entire process from application, approval to disbursement.

Users only need to go to the wallet page of Rainbow Short Video, Rainbow E-commerce, and Rainbow Live Broadcast. Click to borrow money, and the system will determine your personal credit situation within a few seconds and give you a “770” loan amount ranging from 1,000 yuan to 300,000 yuan. Fill in the information according to the corresponding prompts, and you will be able

to In just 5 minutes, the loan can be completed online and can be repaid at any time.

Rainbow Bank has launched Rainbow Car Loans on the Rainbow Auto APP.

Users only need to go to the car purchase qualification page of the Rainbow Auto APP, and the system will determine the user’s qualifications. Credit, thus providing a limit of 50,000 yuan to 500,000 yuan.

Rainbow Bank has opened Rainbow Home Loans on the Rainbow Real Estate APP.

Users only need to go to the home purchase qualification page of the Rainbow Real Estate APP.���The system will determine the user’s creditworthiness and provide a credit limit of 200,000 yuan to 2 million yuan.

Of course, since it involves the field of consumer finance.

Our bank has specially established a risk control department.

This department specializes in collecting risk data in different fields such as customer information, product transactions, credit behavior, credit reporting, partners, and third-party platforms. It introduces new risk identification and algorithm technologies, and gradually establishes customer segmentation credit, social scoring, and credit scoring. , merchant credit, fraud detection and other series of models. ”

The words fell.

Fang Yun nodded with satisfaction.

Among the domestic industries,

the banking sector has the strongest earning power.

Such a hugely profitable industry.

As long as there is an opportunity, every company wants to enter.

For example, Ali’s website Commercial banks.

For example, Teng Xun’s Weizhong Bank.

For example, Su Ning’s Su Ning Bank.

For example, Du Niang’s Baixin Bank.

For example, Xiaomi initiated the establishment of Xinwang Bank.

For example, Mi Tuan initiated the establishment of Yilian Bank.

At present, the integration of Internet giants and banks has become a mainstream trend.

Rainbow companies, after owning Rainbow Bank, will exert a cluster effect in the financial field and further expand the financial ecology through efficient strategic collaboration. At the same time,

Rainbow Bank is also a An Internet private bank.

It carries out Rainbow Loans, Rainbow Car Loans, and Rainbow Home Loans, and provides the general public with standardized one-time credit, recurring online small credit loans, large credit loans and other products to meet the needs of users with small, large, and Short-term, sudden credit needs.

Currently, the National Bank Law stipulates that the

minimum registered paid-in capital for the establishment of a national commercial bank is 1 billion yuan. The minimum

registered paid-in capital for the establishment of a city commercial bank is 100 million yuan.

The minimum registered paid-in capital for establishing a rural commercial bank is 50 million yuan.

After the funds are in place,

establishing a bank requires a series of complex approval procedures to obtain a banking license.

Because of this,

there are a large number of domestic private banks . Few, only 16.

When Rainbow Bank was established, it had US$5 billion in capital, becoming the 17th private bank in China!

Wang Xue continued to report: “Currently, Rainbow Bank mainly has 4 businesses, namely physical banking, consumer finance, Wealth management and money settlement.

Brick-and-mortar banks are offline branches that have spread all over the country. Users can carry out deposits and withdrawals and other services.

Consumer finance mainly includes Caihong loans, Caihong car loans, and Caihong housing loans.

Wealth management is the agency sales of monetary funds, stock funds, insurance and

other products through mobile APPs.

Fund clearing refers to businesses such as merchant fund clearing and corporate fund clearing.

Physical outlets.

Rainbow Bank already has 140 offline branches, 300 ATMs, and 11 global overseas correspondent banks in major cities across the country.

The total assets of physical banks reached 140 billion yuan.

Operating income reached 3.386 billion yuan, and net profit reached 1.388 billion yuan.

The balance of bank loans and advances reached 78.03 billion yuan, the balance of deposits reached 104.787 billion yuan, the balance of non-performing loans reached 1.218 billion yuan, the non-performing loan ratio was 1.57%, and the provision coverage ratio was 260.64%. It continued to maintain a high risk compensation capability.

In the field of Internet finance, there are currently 20 million registered users, more than 8 million credit users, and a total of over 30 billion yuan in loans. ”

The words fell.

Fang Yun nodded slightly.

There is a big difference between Internet banks and brick-and-mortar banks. For

brick-and-mortar banks, it is difficult to expand customers, but single customer profit margins are high.

Internet private banks, it is easy to expand customers, but single customer profit margins are low.

Rainbow Bank , integrating physical and Internet finance, operates very well.

Fang Yun asked: “President Wang, are there any problems with Rainbow Galaxy’s funds? Do you need village funding? ” (To read exciting novels, go to Feilu Novel Network!)

“Being not!

Wang Xue said with a smile: “Caihong enterprises now deposit part of their funds in Rainbow Bank. ”

This also brings our bank’s deposits to 104.787 billion yuan.

These funds alone are enough for Rainbow Bank to develop steadily!”

“That’s good!”[]

Fang Yun smiled and nodded……

The current Rainbow Bank has not yet achieved profitability and is in a state of loss.

But he was in no hurry.

Banking is very profitable.

over time.

Rainbow Bank will definitely be able to turn losses into profits and become one of the most commonly used consumer financial products by ordinary people.。

……

at the same time.

Netizens are talking about Rainbow Bank.

Among them, they are very interested in their “Rainbow Loan” quota.

Although this is a loan product.

But netizens still want to know how much money they can borrow.

They click on the “wallet” page of Rainbow Short Video, Rainbow E-commerce, and Rainbow Live Broadcast, and click “Borrow Money” with one click. The system will determine their personal credit status within a few seconds and give a range of between 1,000 yuan and 300,000 yuan. loan amount.

Fill in the information according to the corresponding prompts, and you can complete the loan online in just 5 minutes, and you can borrow and repay at any time.

Users with good credit scores will have higher loan limits.

For users with average credit, the loan amount is quite satisfactory.

As for users with poor credit, there is no limit.

But soon…

netizens were shocked by the “quota” of Rainbow Villagers!

Some Rainbow villagers also clicked on Rainbow Loan.

It is worth mentioning that.

After Rainbow Villagers fill in their personal information.

Rainbow Bank’s big data algorithm gives an exaggerated limit of 10 million yuan per person!

Apparently.

Rainbow Bank has strong confidence in the repayment ability of Rainbow Villagers.

Big Data believes that every Rainbow villager has a fixed income.

There are 2,800 households in Rainbow Village.

You can get 10 million yuan in stock dividends every year.

Even as a family unit.

For every 3.4 rainbow villagers, it only takes a few years to repay the loan!

The most exaggerated thing is.

Rainbow Villagers use Rainbow Loan without any interest!

……

Netizens were stunned by this。

“Damn it? ! A quota of 10 million yuan? !”

“Ward day! The Rainbow Villagers are so cool, right?”

“Although the limit does not represent the deposit, it is related to the repayment ability. But the 10 million yuan quota still scares me!”

“Oh my god! Do you want to be so exaggerated? I tried my rainbow loan limit, and it was only 50,000 yuan! The quota of Rainbow Villagers is 200 times that of mine!”

“It doesn’t matter if the limit is high! The most exaggerated thing is that there is no interest! A 10 million yuan interest-free loan is outrageous!”

“Our company’s turnover exceeds 10 million, but if we go to Xiaguo Bank, Xiaguo Agricultural Bank of China, Xiaguo Industrial and Commercial Bank of China, or Xiaguo Construction Bank to apply for a commercial loan, there will still be interest!”

“Drought will kill you, and floods will kill you! The Rainbow Villagers are so happy!”

“Same people but different fates! When I reincarnate in my next life, I must be a rainbow villager! ”.