Zhi Yuye had come here a long time ago and sat watching the grand scene of the business department of Shenzhen Development Bank Nangang Branch. She had been sitting there for more than an hour and she didn't feel tired at all.
For more than an hour, the number of customers coming to handle business continued to increase. She had only seen such a grand event when the bank was being run.
She came over more than ten minutes ago and saw that Pan Jie was handling business in person, so she didn't want to go in and disturb him. She just wanted to know what business the people in line were going to handle.
She would not find out in person, but would go back to where she was and sit there while her secretary and assistant went to find out.
The secretary came back within a few minutes and said, "Chairman, most of those people are in the loan business. Shenzhen Development Bank has launched operating credit loans for individual merchants. They are the so-called self-employed in mainland China, and most of them are."
"What's the specific situation?" Zhi Yuye asked.
The secretary was stunned and shook his head, "I didn't ask for the details."
Zhi Yuye's face turned cold, "Then let me ask?"
The secretary was shocked and said quickly, "I'm sorry, Chairman, I'll ask."
Went there in a hurry.
This time I came back more than ten minutes later, and the assistant also came back. The assistant was more rigorous in his work, and he inquired more comprehensively.
The assistant said, "Based on the information from the lobby manager and the brochure, Shenzhen Development Bank has launched a comprehensive loan program, which includes credit loans for individual operators, business loans for small and medium-sized private enterprises, loans for enterprises above designated size, and car loans.
."
"Most of the customers in line are here for credit loans for individual operators. According to the requirements of Shenzhen Development Bank, as long as you have an individual merchant business license, you can apply for a credit loan of 3,000 yuan to 100,000 yuan. Business loans for small and medium-sized private enterprises
The limit range is from 100,000 to 1 million, and loans to enterprises above designated size are more than 1 million. The car purchase loan is only for one product, which is the Zhifu series three-wheeled motorcycles produced by Zhifu Motorcycle Factory under the Direction Machinery Group. The maximum loan amount can be
Seventy percent of the price.”
"The interest rate is the same as that of state-owned banks, but the review is very relaxed, and the repayment method is very flexible, with a variety of repayment methods to choose from."
Zhi Yuye asked, "How loose is it?"
"As long as you have an individual business license, you can get a loan of at least 3,000 yuan, and the loan can be made on the same day. Many people just made the payment directly after completing the procedures and signing the contract," the assistant said.
Zhi Yuye was stunned, "No on-site inspection?"
"Yes, I asked around and found that no on-site review was done for those with a value of less than 10,000 yuan. All loans were issued directly," the assistant said.
Zhi Yuye was extremely surprised. Looking at the long queue, he thought in his mind, according to this scale, even if the average loan per person is 5,000 yuan, Nangang is a populous city, with a permanent population of more than 7 million, and there are more than 100 self-employed people.
Wanjia, that’s 50 million.
The key is that this review standard is too loose.
The assistant said, "By the way, Shenzhen Development Bank issued the first debit card. It was the first debit card in Mainland China. It was just issued. They already have their own electronic settlement system and there are automatic machines in the business hall.
Teller machine.”
Zhi Yuye realized that Shenzhen Publishing was unusual. From these phenomena, it can be seen that it is already leading the country in many aspects, whether it is services, business or hardware.
The key is financial resources, which are so strong!
In the Nangang area alone, 50 million yuan of business credit loans for self-employed individuals will be issued. How much is it for the entire Guangdong Province? How much is it for the whole country?
It seems that the strength of Shenzhen Development Bank is stronger than imagined.
The assistant said, "I just mentioned it to President Pan. He said he would come over to see you right away."
Zhi Yuye felt better now and glanced at the secretary, who lowered her head in fear.
Not long after, Pan Jie came out and strode over.
Zhi Yuye quickly stood up and went to greet him.
Pan Jie said, "Miss Zhi, please sit down."
Zhi Yuye said, "President Pan, your bank's business is doing very well. I just asked about it when I was free, and it seems that they are all here to apply for loans."
"Yes, we are a joint venture bank controlled by Hong Kong capital. The loan business we launch is mainly small loans for self-employed individuals and operating loans for private enterprises. Speaking of which, if your loan is signed, it will be our first in the mainland.
A foreign-invested enterprise.”
"President Pan is courageous and I admire him very much," Zhi Yuye said.
Granting loans to self-employed individuals and private enterprises is unimaginable in this era. Even twenty years later, it will be very difficult for private enterprises to seek loans from state-owned banks, especially small and medium-sized private enterprises.
Pan Jie said with a smile, "It is our big boss who has the courage. Our big boss is very optimistic about the private economy in the mainland and has a heart to contribute to the development of diversified economies."
Zhi Yuye did not hesitate and said, "President Pan, I agree to carry out the loan according to your plan. I wonder if I can sign the contract today?"
"So urgent?" Pan Jie was stunned.
Zhi Yuye said, "President Pan, I agree to transfer the US$30 million that I intend to invest into the supervision account. You should also give me some convenience in terms of the time of payment."
Pan Jie thought for a dozen seconds and made up his mind, "Okay, I'll just be arbitrary and sign the contract today."
Please immediately go to the big customer room of the business hall and Pan Jie will do it in person.
The president and chairman personally took action, so the efficiency was naturally much higher. After the contract was drawn up, Zhi Yuye also prepared the funds. After signing, the funds were immediately transferred to Shenzhen Development Bank's supervision account. Because the funds were in
Overseas, so Shenzhen Development Bank entrusted Hua Xia United Bank to collect the money.
Strictly speaking, these operations are not in compliance with financial procedures, and some are even illegal, so Zhi Yuye is grateful to Pan Jie for his help.
Because we had to wait for news from overseas, it took until almost dark to complete all the procedures. This speed surprised Zhi Yuye.
Pan Jie put the contract belonging to Zhi Yuye into the bag, handed it over, and said, "Miss Zhi, the procedure is complete here. The funds will be transferred to the supervision account before twelve o'clock tomorrow, and you can use it in the afternoon.
After the joint venture company's contract is signed, the collateral change agreement will be signed so that there will be no other problems with the money."
After a pause, he said, "However, you'd better complete the signing of the joint venture contract as soon as possible. After all, if our loan is to be strictly investigated, there will be many problems."
"Okay, please rest assured. We expect the contract to be signed within a week. In fact, I'm more anxious than you are. After all, my money is all in your custody account." Zhi Yuye said with a smile.
Pan Jie stood up and said, "Okay, I wish you success."
"Let's make money together, Mr. Pan. It happens to be dinner time. Let me treat you to a meal." Zhi Yuye said happily.
Pan Jie said apologetically, "I'm really sorry. We have a game tonight. We made an appointment in advance, Miss Zhi. Let's wait for another day. I'll treat you another day."
"Okay, let's make another appointment another day, President Pan. Goodbye."