golden fishing village

Chapter 564 Villager Loan Evaluation
Fang Ming stared at Ying Xiuxiu with bright eyes, and said half-jokingly and half-seriously: "You are the president of the bank, how can you not be of help? Isn't it easy for you to get a loan?"

Ying Xiuxiu said seriously: "Mr. Fang, although I am the president of the bank, I don't have a lot of authority. Every loan in the bank is reviewed by the risk control department. They will evaluate the lender's credit qualification and Repayment ability, and then decide whether to grant the loan. The assessment of the risk control department is a complete set of models, and it is not for me to decide.”

The corner of Fang Ming's mouth curled up a little: "President Ying, don't make yourself so pitiful. There is nothing wrong with banks needing the approval of the risk control department to issue loans. But in this approval process, the role played by the president is not small The information held by the risk control department is provided by your president and managers."

"If you want to grant this loan, you can naturally prepare more complete materials to cater to the taste of the risk control department. In this way, the success rate of the loan will be much higher."

Hearing Fang Ming's words, Ying Xiuxiu also showed a surprised expression.

What Fang Ming just said was indeed correct.

But she did not expect that Fang Ming was so familiar with the operation process of bank loans.This is not like the ability of an ordinary fisherman.

She couldn't help taking a look at Fang Ming, and then asked, "Mr. Fang, have you ever been to college?"

Fang Ming nodded: "I have read it."

"Which university, which major?"

Fang Ming replied with a smile: "Jiangsu University, majoring in economics. When I was studying at school, I went to your provincial bank as an intern for two summer vacations. So I am familiar with the internal procedures of the bank."

"A high-achieving student majoring in economics at Jiangsu and Zhejiang University! And he also took an internship in the provincial bank?"

Hearing Fang Ming self-reported his family name, even Ying Xiuxiu couldn't help being surprised.

She never expected that the young guy in front of her would have such a glamorous resume!
That's all for graduates from Jiangsu and Zhejiang University.

After all, there are many college students who graduate every year.Although rare, you can always encounter one or two a year.

What really surprised Ying Xiuxiu was that he once went to a provincial bank for an internship as a college student.This qualification is incredible, at least it can prove that his working ability has been recognized by the provincial government.

Generally speaking, as long as there are no major problems during the internship period, the possibility of directly entering the provincial bank after graduation is very high!

Moreover, this kind of school usually enrolls the sons of the provincial bank, and they will definitely be regarded as training objects!
Ying Xiuxiu couldn't help asking: "Mr. Fang, why didn't you go to the provincial bank to work?"

Fang Ming looked around and said with a faint smile, "Isn't it good that I'm on Moon Island?"

Ying Xiuxiu was stunned for a moment, and immediately understood.The current moon island has good scenery and good air, and life is very comfortable.

Moreover, Fang Ming is a shareholder of Hongfu Restaurant, so his income must not be low.In comparison, this is indeed a little better than working in a provincial bank.

Ying Xiuxiu nodded and said, "That's right. A talent like Mr. Fang is the same everywhere."

Fang Ming continued: "President Ying, let's continue to discuss the loan issue. According to your bank's assessment conditions, the core issue is nothing more than the credit rating and repayment conditions, right? For the villagers of Moon Island , these two are not a problem at all.”

Ying Xiuxiu smiled wryly, and said, "Mr. Fang, forgive me. I think these two are the biggest problems for the villagers of Moon Island."

"Villagers in Moon Island have no fixed jobs and income. They may not even pay social security for employees. So for banks, there is no way to evaluate the credit rating of fishermen. And no formal job means no fixed income. Income. In this case, how can we guarantee that the fishermen can repay the loan on time?"

Hearing Ying Xiuxiu's words, Aunt Fu on the side was dissatisfied and said: "President Ying, look at what you said. If you don't borrow it, you won't borrow it. How can you say that we don't repay the loan on time?"

"That's right. We Moon Island people don't mess around."

"We are not the same as people in the city. People in the city often have old Lai and the like. If we Moon Island people do this, we will not be poked and scolded."

"..."

Hearing the voices of dissatisfaction from the crowd, Ying Xiuxiu was also a little embarrassed.She explained to everyone: "Everyone, I don't mean that. Of course I believe that you are creditworthy people. But the bank's credit evaluation is a complete system model. I don't count this thing."

Aunt Fu was dissatisfied and said: "It's not a model. It's just that we don't trust us country people. A Ming, let's stop building a house. If you don't have money, don't ask them for a loan."

"That's right! It's a big deal to rebuild in two years! According to our current income, we will definitely be able to save enough money in two or three years at the latest."

"Hmph! Only when you spend your own money can you rest assured! Don't be angry!"

"Can you save enough money to build a house in two or three years?"

Hearing what the villagers said, Ying Xiuxiu and Zhu Xiuying showed surprise at the same time.

The two of them could hear clearly just now that it takes at least 100 million to build a villa!

Even if every household has 30 deposits now.This also means that the villagers will have to save 70 in the next three years!
On average, more than 20 yuan is saved every year!

This is not a small amount.

I am afraid that more than 90% of the urban residents in Ningzhou have income.

Fang Ming smiled at everyone, and said, "Aunt Fu, don't worry. President Ying is not to blame for this matter. The rules in the bank are indeed like this."

"Maybe President Ying is not familiar enough with our Moon Island. I'll talk to her again."

Then, Fang Ming said to Xiuxiu: "President Ying, let's talk about the issue of credit investigation first. The villagers of Moon Island have almost never applied for a credit card. Even if they have a credit card, they have never expired. So the credit investigation The records must be in order. Do you agree with that?"

Ying Xiuxiu nodded: "If the credit information is blank, I can explain it to the risk control department. But Mr. Fang, you have also done an internship in the provincial bank. You should know that the most important review condition is actually the income level."

"If your income is large enough, you can actually relax the conditions for credit investigation."

After Ying Xiuxiu finished speaking, she paused.

The meaning is self-evident.

The point is whether the income of the villagers is enough or not.

She just heard from villagers that she can save more than 20 yuan a year.To be honest, Ying Xiuxiu couldn't believe it.

As the president of the bank, it is impossible to save so much money in a year.

Fang Ming smiled and said, "If you only look at the income, this is even easier. Aunt Fu, tell President Ying about your monthly income."

(End of this chapter)