The Nangang Branch of the Shenzhen Development Bank is located on the first floor of the building where the Taihua Hotel is located. Nangang is the hometown of the big boss and the headquarters of the head office. Therefore, the Nangang Branch of the Shenzhen Development Bank is designated as a first-class branch, along with the branches in Beijing, Shanghai, Guangzhou and Shenzhen.
Branches are at one level.
But because the Taihua Hotel is a temporary residence, the area is not very large. After the Mayflower Building is completed, the Nangang Branch will move its offices and business there. They have rented half of the ground floor, and they are still in the building.
I rented one floor of the office building above as office space.
The Nangang branch has already opened. The bank is not like other industries, so there is no big promotion. It only aired an advertisement for three days during the prime time of CCTV. Even so, it is already very powerful.
When Pan Jie convened a meeting with the management and operation staff of Nangang Branch, the business hall could no longer accommodate any more customers. The lobby staff found stools and placed them outside so that customers in line could take a break and at the same time open more emergency rooms.
More windows speed up processing.
You will never find such services in state-owned banks.
The vast majority of customers come here to apply for operating credit loans, and most of them are self-employed, with the mentality of giving it a try.
Personal loans are a new thing in this era. Many people are afraid to borrow a lot of money. For example, Wang Shuanggui, who is at the end of the queue, is only 27 years old. After working for a few years, the factory disappeared and he became a laid-off worker.
I became a fishmonger and wholesaled fresh sea fish from the fishing towns below and sold them in the market. At first I sold them in the streets. After I made some money, I rented a stall in the market and settled down.
However, he found that it took too much time to buy goods from the fishing town below and bring them back to the city. He bought the goods in the morning and then took the shuttle bus back to the city. It was almost noon. After such a long time, the fresh sea fish was no longer fresh, and it could only be eaten.
It's very troublesome to freeze it with ice.
The three-wheeled motorcycles produced by Fangfang Machinery Factory form a group, officially named the Zhifu series. One of them is a water tank type, and the cargo compartment at the back is changed into a closed aerobic water tank, which is filled with water.
By starting the oxygenator integrated with the water tank, the conditions for fresh food transportation can be achieved.
With this kind of motorcycle, many problems do not need to be solved. You can pull it whenever you want, and there are no restrictions on the shuttle bus time. It is still fresh, which is much better than the frozen freshness.
Wang Shuanggui is keenly aware that with this kind of motorcycle, his business will definitely be better than others. However, the price of 7,800 yuan puts him off, which is a full 1,000 yuan more expensive than the basic cargo-carrying model.
However, when he went to the store to find out more, the salesperson told him that he could apply for a loan now. He only needed to pay half of the money to drive away, and apply for a loan for the remaining half.
Previously, Hua Xia United Bank launched this service in the mainland through Shenzhen Development Bank. However, because it was in the initial stage and there was no branch in Nangang, the Nangang area is the hometown of the big boss. When the branch would not be built for a while, he found
ICBC cooperates and carries out this business through ICBC. The lender is still Shenzhen Development Bank. This is why Pan Jie’s secretary said that Shenzhen Development Bank and ICBC have cooperation.
Taking this opportunity, Shenzhen Development Bank simply cooperated with ICBC on this business and launched this business through ICBC in cities without Shenzhen Development Bank branches. ICBC naturally welcomed it with both hands, since it did not have to bear risks and made money.
Why not.
After the Nangang Branch opened, the business cooperation with ICBC in the Nangang area naturally stopped, and the Nangang Branch of Shenzhen Development Bank carried out the business itself.
After asking around, Wang Shuanggui learned about the situation. He rode for more than an hour from the south of the city early this morning. He thought he was early, but when he arrived, he realized that he was among the latest wave, and it looked like
People kept coming.
After waiting for a while, he started chatting with the people in the team and learned that many people were applying for credit loans. He became interested and asked, "Can you get a loan without a mortgage? Is it fake?"
"Probably not, you see it is clearly written here. You can apply for it if you have a self-employed business license, and you can get a loan of at least 3,000 yuan." The middle-aged man in front pointed to the contents of the brochure in his hand.
Wang Shuanggui asked, "Brother, can you lend it to me?"
"Look, there must be some in the bank. When the girl comes later, you can ask her for a copy." The middle-aged man handed it to Wang Shuanggui and followed the brochure with his eyes.
The booklet is very beautiful, made of oil paper, and colorful, making people love it.
Wang Shuanggui carefully held it and opened it and read it carefully. Although it was only a palm-sized folded booklet, the content was exciting. It introduced in detail personal business loans, small and medium-sized private enterprise business loans, and business loans for enterprises above designated size.
Three types of loan business situations.
He couldn't understand the latter two, but he understood the first. As the elder brother said before, as long as you have a self-employed business license, you can apply for a business loan of 3,000 yuan to 100,000 yuan, without the need to mortgage anything.
He couldn't help but think that if he could do it, it wouldn't be too much. As long as he had 10,000 yuan, he could take down the two adjacent stalls to expand the business area, hire two more workers, and sell all the seafood. Now he only needs
To be able to sell fish, we have neither the manpower nor the funds to expand.
In fact, he had hesitated for a long time before making up his mind to buy a motorcycle. Between buying a motorcycle and expanding his stall, he chose the former to improve efficiency and then expand the scale.
If you have more money, you can do both things together.
After returning the brochure to the elder brother in front of him, Wang Shuanggui thought that when he applied for a motorcycle loan later, he would ask if he could apply for a business loan at the same time.
At this time, a female bank staff member came out, wearing a gray-black uniform-style slim coat that covered her knees, but you could see the black silk on her calf. She was obviously wearing black silk underneath, and her shoes were black flat shoes.
A red and yellow silk scarf was tied around her neck, a name tag was pinned to the left chest of her coat, and her hair was combed into a bun at the back.
This girl is like a fairy.
What's even worse is that all the female staff at Shenzhen Publishing outlets are dressed in the same way. Just a few of them standing there is enough to make countless men lose their minds.
Boss Yao, who was not doing his job properly, directly designed the uniforms of later generations of bank ladies, covering all four seasons, and even distributed uniform style work handbags.
Many college students majoring in finance and economics even gave up the opportunity to work in state-owned banks for the beautiful uniforms of Shenzhen Development Bank and chose Shenzhen Development Bank.
The lady in the bank lobby with a sweet smile came over and said sweetly, "Comrades who are applying for motorcycle loans, please come here and queue up. Please pay attention, this is for business loans. Comrades who are applying for motorcycle loans, please come here."
Come and line up here.”
Wang Shuanggui took a quick step up, glanced at the young lady secretly, and then did not dare to look again. He lowered his head slightly and followed the instructions.
When we arrived, we realized that he was the first one. Looking back, there were only a few people behind him.