Shenhao Starts After Graduation / Entrepreneurship Starts After Graduation

Liu Ling was checking the work information in the bedroom. She also heard the knock on the door, but she didn't hear the follow-up sound, so she went out to check the situation, and saw An Liangbidong Li Xiyan, and she quietly went back to the room- From time to time.

"Xi Yan, who is knocking on the door!" Liu Ling's voice came over.

An Liang let go of Li Xiyan, Li Xiyan gave An Liang a blank look before responding, "Mom, An Liang is here again!"

"Auntie, I'm here to disturb you again!" An Liang said with a smile, "Our family has too many relatives, and I don't know most of them, so I just came out to take refuge."

Liu Ling understood what An Liang meant, and she threw the work documents in her hand on the coffee table, "An Liang, sit down for a while, I'll go peel two apples."

"Don't bother, Auntie." An Liang responded.

Liu Ling didn't respond either, apparently she really went to peel the apples.

An Liang glanced at the salary documents that Liu Ling had left on the coffee table. This document was a loan application, and the lender was Dia Battery Technology Industrial Company.

Dia Battery Technology Industries applied for a billion-dollar loan to develop a new battery technology.

An Liang only read the content on the first page, and he didn't pick it up to check more, because that's impolite!

Li Xiyan was looking at her mobile phone, An Liang leaned over to take a look, and this schoolgirl was actually watching Shengqing TV's report on Ansheng Construction.

"The action of the TV station is really fast!" Li Xiyan exclaimed.

An Liang responded with a smile, "Of course, this kind of thing should be reported as soon as possible. What if we, An Sheng, regret it?"

Li Xiyan checked this news on the Internet again, and while checking, she asked, "When do you start school?"

"Next month, seven, eight, nine, three days, we will open early, how about you?" An Liang asked.

"We are from the 14th to the 16th!" Li Xiyan responded with some regret, "You have already started school!"

"Are you talking about Valentine's Day?" An Liang asked with a smirk.

Li Xiyan blushed.

"Baby, every day of ours is Valentine's Day." An Liang explained, "Most of these festivals are created by merchants to stimulate consumption. We don't need special festivals!"

Li Xiyan nodded obediently, what An Liang said made sense, when she and An Liang were together, if there was a need, every day was Valentine's Day.

Liu Ling walked into the living room with a plate of apples. She put the apples on the tea table, inserted a toothpick, and said, "Anliang, eat some apples."

An Liang nodded, "Okay, thank you, Auntie."

"By the way, Auntie, what's the situation of the Dia battery technology industry?" An Liang pointed to the work documents on the coffee table.

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Liu Ling responded, "Dia Battery wants to upgrade its technology and invest in new research projects, so it hopes to obtain a low-interest loan of one billion."

"How low is the interest rate?" An Hao was curious.

"Five-year term, 3.5% annual interest rate, almost [-]% off the benchmark interest rate." Liu Ling responded.

"Is this interest rate okay?" An Liang asked back, "Our previous interest rate at AXA was only [-]%!"

Liu Ling gave Anliang a blank look, "Your Ansheng is Ansheng. According to Ansheng's situation, the possibility of your Ansheng defaulting is very small. But the situation of Diya batteries is different. Their current situation is not very good."

 …

"What's the situation?" An Hao asked curiously.

"Their sales are hindered. Although the technology of Diya Battery is advanced, both Tesla and BYD have their own battery factories, plus LG Chem, Panasonic, etc., Diya Battery is having a hard time." Liu Ling explained.

"According to the situation of Dia Battery, most of its loan applications will be rejected. After all, the default rate is high, and it is almost impossible to obtain a loan interest rate reduction." Liu Ling added.

"I see!" An Liang responded, "Auntie, is this a promotion?"

In the past, Liu Ling was the deputy manager of VIP Customer Service, so it was naturally impossible to review the loan issue.

Liu Ling nodded, "Isn't there a problem in the previous line? The deputy manager of the credit department has also been dismissed. I am now taking over the position of the deputy manager of the credit department."

"The credit department?" An Liang teased, "That's a good department with plenty of money!"

Liu Ling complained, "It's not good at all!"

"Huh?" An Liang wondered, "What's going on?"

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Can you see it?Death.

Chapter 768

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

"The current credit department is different from before." Liu Ling explained, "Take Dia Battery Technology Industry as an example. I am in charge of approving this project, so I need to be responsible for this project. If there are dead debts and bad debts, I will will also be held accountable.”

"Take your Ansheng Construction as an example again. In order to win high-quality customers like your Ansheng Construction, we offer extremely favorable conditions, and there is no performance at all." Liu Ling sighed.

An Hao asked curiously, "About AXA's loan, does Auntie have any achievements?"

Liu Ling shook her head.

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

An Liang suddenly realized, "I understand!"

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

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

"The interest rate of the six-year loan we gave you to AXA from Gongshang Bank is 2.5%, and the total interest is 15%, which is a full income of [-] million yuan. It seems that our Gongshang Bank is guaranteed to make a profit, but theoretically speaking , our Gongshang Bank is losing money." Liu Ling explained.

Anliang nodded in understanding. If the same 20 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 3000 million.

In theory, Gongshang Bank lost 3000 million.

But actually it won't!

Because very few depositors will save for six years at a time, let alone 20 billion funds for six years.

Gongshang Bank will still make money. Gongshang Bank brings together a large number of idle funds of retail investors, and then lends to AXA Construction. The interest rate paid by Gongshang Bank to retail investors may be current or short-term, so Gongshang Bank Banks still make money, just not as much.

"I don't have any performance at all for loan customers like your Ansheng Construction. I just used it as a promotion consideration, and then I got a symbolic bonus of 1 yuan." Liu Ling explained.

this...

The project with a loan of 20 billion yuan actually only received a bonus of 1 yuan in the end.

An Liang was powerless to complain!

But that's how the bank works.

Liu Ling continued, "For other loan projects, our performance has a commission of one-thousandth to five-thousandth, but the liability risk is also very high."

"Still taking your Ansheng Construction as an example, if I can lend you a loan at an annual interest rate of 3%, and the interest for six years is 18%, that is 3.6 million interest." Liu Ling explained.

Liu Ling continued, "The loan income interest of 3.6 million, minus the theoretical maximum expenditure savings interest of 3.3 million, our bank generates 3000 million profits."

"Your AXA Construction is a top-level creditworthy company. The internal rating of our bank is very high, and the repayment rate exceeds 99%. Therefore, I can get the highest-grade five-thousandth profit performance, which is 15 performance." Liu Ling added.

"Isn't it difficult?" Liu Ling sighed.

An Liang nodded, "It's really hard! It's impossible for high-quality customers to accept a higher loan interest rate, but if it's lower than the savings interest rate, you have no performance."

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

Li Xiyan heard Liu Ling talking about work for the first time, and she suddenly felt that Liu Ling was really not easy...  

"Mom, thank you for your hard work!" 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 half-jokingly said half-seriously, "In the future, if I need a loan, I will contact my aunt."

"Okay, I will help within the scope of my authority." Liu Ling promised.

"What if the quota is high?" An Liang asked casually.

"How high?" Liu Ling asked back.

"Several billion!" An Liang responded, "We mainly cooperated with Gongshang Bank in Beijing. Currently, we have two records of loans of 20 billion. The interest rate is 0.8%, and the loan period is 10 days."

Liu Ling exclaimed, "A ten-day loan cycle?"

"Yeah!" An Liang replied affirmatively, "Actually, it was ten days, but we all paid back the arrears within a week."

"Is there any collateral?" Liu Ling asked additionally, "Is it just a credit loan?"

"Of course there is a collateral! And the absolute value of the collateral is 20 billion!" An Liang responded.

"The person who handles it will die of laughter!" Liu Ling said with a sigh, "Your ultra-short-term loan, and there is sufficient collateral, our bank generally does not calculate the depositor's interest, and the percentage of the share for the handle is special. high."

"I guess it's at least [-]%?" Liu Ling sighed.

"Is that 160 million?" An Liang asked back.

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

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

"No problem!" Liu Ling agreed directly, secretly looking forward to the next time! .

Chapter 769

02:30 in the afternoon.

After An Liang finished eating the last piece of apple, he said, "Honey, shall we go to the IFC?"

Li Xiyan first looked at Liu Ling next to her, and she gave An Liang a fierce look, signaling An Liang not to be too arrogant, and even called her affectionately in front of her mother.

Li Xiyan snorted, "Why are you going to IFC again?"

"It's New Years, let's go buy new clothes." An Liang responded, "By the way, Auntie, you also go together, thank you for the good terms you fought for Ansheng before, if you didn't tell me, I would have thought that Ansheng's loan was It's a big deal!"

Liu Ling responded, "It is indeed a big business, mainly reflected in the weighting coefficient of promotion."

"Hey!" An Liang issued another invitation, "Auntie, you can go too!"

Li Xiyan said coquettishly, "Mom, why don't you go with me too!"