The temperature in the business hall is maintained at 26 degrees and the air is flowing smoothly, which is much more comfortable than outside. The lady at the counter is not wearing a coat. The long-sleeved T-shirt underneath is dark white, which looks very international.
"Sir, please take a seat." The lady at the counter raised her hands and said with a smile.
Wang Shuanggui was flattered by being called sir for the first time. He quickly sat down with an embarrassed smile, only daring to sit on half of his buttocks. The chair was cushioned and very comfortable, and the armrests were also cushioned, which was very comfortable.
"Are you going to apply for a motorcycle loan for getting rich?" the sister at the counter asked with a smile.
Wang Shuanggui nodded quickly, "Yes, yes, I want to buy the fresh food transport type. I have made an agreement with the salesperson at the store. They said that I can apply for a loan here."
"Yes, have you brought your ID card, personal business license, bankbook, payment receipt, and vehicle information?" asked the lady at the counter.
"Bring it, bring it, bring it all." Wang Shuanggui quickly took out the materials from his bag and took them out one by one.
The lady at the counter took it and said, "Please wait a moment."
Then check them one by one, and there will be a dedicated person to copy the ones that need to be copied. The customer does not need to make copies by himself. In less than ten minutes, the loan contract will be out.
The lady at the counter took the contract and explained it to Wang Shuanggui, "Mr. Wang, this is the loan contract. Take a look at it. If there are no problems, sign and take fingerprints in these places."
Then he took a red and yellow themed magnetic card and said, "This is a debit card. It has more functions than a passbook. The card number is equivalent to the passbook number. After you make a payment, the money will be transferred to this card. Take this card."
Go to the store to pay the balance with your card and then you can pick up the car. For subsequent repayments, the bank will automatically deduct it from your card, so you have to deposit the principal and interest that should be repaid in the current period before the repayment date. Now we will do it for you
To activate the use of the card, please set a six-digit password."
Wang Shuanggui looked at the simple and elegant bank card. He didn't quite understand it, but he thought it was very powerful. Chinese people never doubt the credibility of banks. This is the foundation laid by state-owned banks, so there is no need to worry.
He didn't even know that the debit card he was getting now was the first debit card in China and the first in the first batch of the first-generation debit cards issued by Shenzhen.
Set the password, and then read the contract. Obviously, most of them can't be understood, but Wang Shuanggui is not interested in looking at other conditions. The three parts of confirming the loan amount, the number of installments, and the amount of principal and interest to be repaid in each installment are the same as those discussed with the store before.
After that, I decisively signed my name and took a fingerprint.
Being able to borrow money is already an unexpected blessing, and there is no need to be picky at all. People in this era blindly trust banks because there is a country behind them. As long as the country does not collapse, the bank will not collapse. There is nothing to be afraid of.
The car purchase loan was completed in less than twenty minutes. Wang Shuanggui hesitated and asked, "Um, comrade, I want to ask if I can apply for a credit loan, that is, a self-employed business loan."
The lady at the counter already knew about Wang Shuanggui's situation. She smiled and said, "Mr. Wang, your self-employed business scope is the retail and wholesale of aquatic products. According to our policies, it fully meets the requirements for self-employed business loans."
"I, I just got a car loan, can I also apply for a self-employed business loan?" Wang Shuanggui couldn't believe it. To be precise, he didn't believe that such a good thing could happen.
The lady at the counter smiled and said, "Yes, car purchase loans and self-employed business loans are two different businesses. There is no conflict. As long as you meet the conditions, you can apply for them."
Wang Shuanggui thought for a while, gritted his teeth and said, "Okay, can I do it now?"
"Yes, the information you have brought is complete, but you have to go to the self-employed loan window and queue up." The lady at the counter said.
Wang Shuanggui was overjoyed and stood up quickly, "Okay, okay, I'll line up. Thank you, thank you, thank you, comrade."
"Mr. Wang, please wait a moment."
The lady at the counter took out a beautiful gift box with the words Seagull Watch printed on it and a line of small words at the bottom: Shenzhen Development Bank issued the first debit card souvenir. She smiled and said, "Mr. Wang, because you are our
As a customer of Shenzhen Banking's first debit card, we have prepared a small gift for you, a Seagull watch worth 1,000 yuan."
"Watch?" Wang Shuanggui's eyes widened and he took it in his hand in a daze.
I stumbled back to the original queue and queued up. It took me a while to regain my senses. I quickly took it apart and took out my watch to look at it. It was exquisite and worth a thousand yuan. I put it on on the spot, regardless of the time on it.
It hasn't been adjusted yet.
It immediately attracted everyone's attention, and Wang Shuanggui introduced it with a slightly raised chin, which immediately caused a sensation.
So, some people started asking for debit cards, and then more and more people asked for debit cards. They all got gifts, but they were not watches, but shopping coupons from Yuanda Wanjia Supermarket, worth 100 yuan!
At this time, not to mention there were hundreds of people in line, even if there were a thousand people, we didn't care, and we felt so comfortable.
Although I didn't get a Seagull watch, the 100 yuan shopping voucher is still very good. If used to buy daily necessities, it will be enough for the whole family for half a year.
Wang Shuanggui chatted with the people in front and behind him again. When he was excited, he introduced the business he handled. He praised Shenzhen Issuance both in words and in words. Soon almost all the customers in line knew about car loans and self-employed business loans.
It can be overlapped. The excellent service attitude of Shenzhen Issuance Co., Ltd. is constantly giving thumbs up, which in turn is a criticism of state-owned banks.
Wang Shuanggui didn't wait long, because the branch opened several emergency windows. This was because after Pan Jie, who was in the meeting, learned of the situation, it was cold outside, so he immediately ended the meeting early and sent all the management of the Nangang branch away to do business.
Office help.
Pan Jie himself is also responsible for a window and personally handles business for customers.
He is definitely not showing off, because he started out as a counter clerk. This is a job he has held for three full years, and he can move faster than many people.
Nangang Branch currently only has the branch business department, and other locations have not yet had time to open. It is also when the comprehensive loan business is launched, and the flow of people is very large.
The president of Nangang Branch gave Pan Jie a hand and asked Pan Jie to be driven away and replaced with a specialized support staff member.
After completing another order, Pan Jie received the next person, reviewed the information, and asked with a smile, "Mr. Wang, you are retailing aquatic products in Jiefang Market. Is the fresh food business good now?"
The family-like conversation made Wang Shuanggui relax and nodded with a smile, "It's good. More and more people are eating seafood. Several docks in the city can't supply it, and it's also more expensive. We all come from the towns below.
It’s good to buy goods from a small wharf and then sell them in the market. It’s better than going to work.”
"Well, this business is very promising. As long as you work hard and work hard, it's only a matter of time before you get rich." When receiving each customer, Pan Jie would have a casual chat. This is a good way to understand the market conditions.
.
Pan Jie said, "Mr. Wang, I have read your information. Based on your situation, you can apply for an operating credit loan of 10,000 yuan."
"10,000?" Wang Shuanggui was surprised.
He originally thought that as long as 3,000 yuan was enough, he was afraid that if it was more than 3,000 yuan, he would not be able to approve it, he was afraid that it would not be enough, and he was even more afraid of losing money.
"Yes, your purchase of a three-wheeled truck that transports fresh food to get rich means that you are very optimistic about future development. I also believe that the aquatic product market will get better and better." Pan Jie said with a smile, taking the printout
The contract was handed over by the clerk, "This is a contract, you can sign it at any time. Because you already have a debit card from our bank, the principal and interest of each installment will be automatically deducted from this card."
After Wang Shuanggui came to his senses, he signed and stamped his name without hesitation.