New Century Bank is the sixth largest state-owned bank with a market capitalization of trillions. It manages huge financial assets and has annual profits of tens of billions.

On this day, New World Bank’s Magic City Branch, President’s Office.

"Dong dong..."

"Come in!"

A female secretary wearing a bank uniform walked into President Zhou's office holding a stack of documents.

"This is our bank's financial performance report for this year, as well as the total amount of loans issued last month, and the 18 yuan reimbursement for the taxi fare I paid for overtime yesterday. Please take a look at it, President Zhou!" the female secretary said gently.

"Got it!" Zhou Libo clicked the mouse and closed the "Fight the Landlord" interface on the monitor.

September is approaching now, and the third quarter bank performance has only been completed by less than 60%, which is a worrying situation.

With the rise of Internet business, banks still have large customers in lending, but small and medium-sized private owners have turned to third-party lending.

Originally, banks looked down on this business at all. Small and medium-sized private owners had poor credit qualifications, unstable ability to perform contracts, and bank inputs and outputs were not proportional.

However, with the help of Internet finance, whether it is financial management, savings or credit lending, it can be completely operated online, saving a lot of manpower. Banks are gradually taking a fancy to this business.

Loans are not just loans. They can derive financial products such as trusts, appraisals, and guarantees. Trusts can also be combined with equity, mortgages, financing, etc. Under the layers of penetration, loans have become products, which can be described as "face-to-face" products.

"Nothing is wrong".

Of course, banks can also avoid many policy risks.

All in all, for New Century Bank, which has a market capitalization of several trillions, it can do deposit and loan business even for 1 yuan.

The image of the bank has gradually changed from a high-ranking one to one that is close to the people...

"Where did so many bombs come from? I lost another 200,000 gold coins... Oh, just put the file on the table. I will look at it later." Zhou Lipo sighed.

After hearing this, the female secretary placed a stack of information on the case and waited for President Zhou to sign.

"Do you have anything else?" Zhou Libo asked.

"Oh, the Customer Complaints Department received an email yesterday, which was sent by an individual inquiring about a loan business of our bank. The Customer Complaints Department reported it to the Credit Department and the Risk Department, but both of them had never heard of it and could not answer it...

"The female secretary said.

In order to improve service quality, the bank has opened a "complaints and suggestions" email mailbox for C-end customers.

But everyone knows that this is just for show. Most of the emails are lost, and only a handful of letters "praising the bank" can be shown to the president.

"What? There is actually business that the bank cannot interpret?" Zhou Lipo was quite surprised.

Although two-thirds of the employees in the bank are related accounts, at least one-third of the employees are graduates of finance-related majors from prestigious universities and can be said to be experts.

In the financial industry, no matter how big the fraud is, it can be wiped clean, but there are still businesses that banks cannot understand?

"Show me that email!" President Zhou Libo said.

"I have already printed it out. I have never seen this business called Lin Tao before..." The female secretary handed over the A4 paper and bit her lip.

Humph, a bunch of trash!

Governor Zhou Libo cursed in his mind while taking the paper.

"Hello, your bank! I am a debit card user of your bank. I have opened the card for more than a year. First of all, I would like to express my gratitude to your bank. I wish the president that all your wishes will come true and all the best..."

When President Zhou Libo saw this, he couldn't help but feel very fond of this email.

"This morning, I deposited a current deposit of 10 million yuan with your bank. The account name is Lin Tao, and the deposit slip number is xsj99887445. Your bank can check it in the background."

"I am a self-employed person, and I have difficulty with capital turnover recently. During my current period of 10 million, I borrowed 2 million from your bank. I hope your bank can agree..."

What!

Governor Zhou Libo was even more frightened when he saw the last sentence.

"He deposited 10 million into our bank and then loaned 2 million more? What kind of operation is this?" President Zhou Libo also saw the mystery.

"I also asked several big bosses in the investment department, and they all said that this email is not trustworthy and seems to be a deliberate joke..." the female secretary added.

As we all know, generally borrowing from a bank requires credit, collateral, real estate, equity, guarantees, etc. The money can be released only after the bank approves it.

This is the first time that Governor Zhou Lipo has encountered this method of using "money as collateral" to lend money!

Does this mean this person is not short of money?

But why does the left hand save money and the right hand borrows money?

What they didn't know was that in order to pretend to be "bankrupt", Lin Tao needed a loan receipt issued by a bank.

"What the ministers mean is that this email is just nonsense..." the female secretary said again.

"Oh? Have you checked the deposit slip number mentioned in the email?" President Zhou Libo thought for a moment and asked.

"This user named Lin Tao did deposit 10 million yuan into our bank yesterday. The deposit certificate is true and valid." The female secretary responded.

Hoho!

The 10 million deposit certificate is real and valid!

That shows that this incident is not groundless.

"Since the deposit certificate is genuine, I think this email is not unreasonable. Think about it, he deposited the money in the bank at the current interest rate, and then borrowed money from our bank at the loan interest rate... using his deposit as a loan

Mortgage, is there any better collateral than money in this world?" Governor Zhou Libo suddenly had a flash of inspiration, as if he had discovered a new world.

"What do you mean..." The female secretary seemed to understand.

"If we lend him his money and the bank earns the interest rate difference, what's wrong with this?" Governor Zhou Lipo finally figured it out.

There is no risk to the bank.

"It is said that there is no business in the world that is sure to make money without losing money. Look at this... what is this called? This is a business that is sure to make money without losing money!" President Zhou Lipo said happily.

This method of "loaning money with money" is the first time in the history of the banking industry, filling a gap in banking business.

What banks earn is the interest rate difference, not to mention risk-free and high profits?

The female secretary looked at President Zhou in shock, thinking that Jiang was still too old to be hot, and only President Zhou could see the reason.

"This is a new business for the bank. The market may not be big, but there are all kinds of birds in the forest. Since customers have this kind of demand, why not our bank? Forward this email from Lin Tao to me.

I want to write a special proposal and promote it in the industry. I want to send a copy to the China Banking Regulatory Commission, the China Securities Regulatory Commission, and other regulatory commissions, and by the way, I also want to send a copy to the central government..." President Zhou Lipo was extremely proud.

This is your own performance, which will contribute to your career.

"Then let me hand this matter over to the people in the Risk Department and the Legal Department to take a look at it?" the female secretary said.

"If people have deposits, where does the risk come from? The collateral is money, so why do we need to evaluate it?" said President Zhou Lipo.

What a joke, do we still need to evaluate how much this 10 million is equivalent to?

In addition, everyone is afraid of borrowing from banks because the process is too long, and many companies even go bankrupt during the loan approval process.

For risk-free loans, we must handle special cases and handle them quickly and simply.
Chapter completed!