Gao Ming didn't have anything to do here, so Tang Qing got up and left.

In fact, it's not nothing, but there are a lot of things, otherwise Dou Jiao wouldn't have come today, it's just that these have nothing to do with Tang Qing, the boss who threw off his hands, he came today to meet a few managers of the security company, and by the way, draw a vision.

He didn't have the slightest interest in participating in specific affairs, just look at the report of Tianyan afterwards.

Seeing that Tang Qing just said a few words so willfully and left, Gao Ming also saw for the first time how thoroughly Tang Qing shook off the shopkeeper, what else could he do except smile bitterly, he could only send a 'be careful and slow walk' gaze.

"Mr. Gao, it's good to get used to it. Dou Jiao said with a smile on the side.

"Hehe, our Mr. Tang is really not an ordinary person. Gao Ming said with emotion, saying that he is less and more important, but his style of action is revealing a trace of shrewdness, saying that he is young and frivolous, but he is approachable, no shelf, and acts recklessly, all in all, I have to say that this is a person with great personality charm and appeal. It makes people feel intimate unconsciously.

"Of course, can the average person do this at this age? Dou Jiao's tone was a little proud, if it weren't for Tang Qing having Lin Jiaxue, she wouldn't help but give Tang Qing a red thread, her mother's family has a lot of school-age girls, and the conditions in all aspects are not bad, with Tang Qing's conditions, it is random to choose.

But since she met Lin Jiaxue, she no longer had this thought, she knew that Lin Jiaxue was the love of Tang Qing's life, and she couldn't be separated.

"Yes. ”

Gao Ming couldn't help nodding.

"Alright, let's have our meeting. Dou Jiao immediately entered the working state.

。。。

Leaving Gaoming, Tang Qing did not go elsewhere, but came to Fenghua Asset Management Company.

After such a long period of development, Fenghua Asset Management Company has also ushered in rapid development, and the 50 million yuan given before has long been used up, and Tang Qing urgently allocated 100 million yuan to the past to maintain it until now.

Through the word of mouth and acquaintances of those customers, Fenghua Assets has also made a name for itself in the lending industry in Qingyan City, and there are more and more small bosses who know it, and the number of customers has naturally skyrocketed.

According to the statistics of the command room, up to now, the total amount of loans issued by Fenghua Asset Management Company has exceeded 200 million yuan, and the number of customers has exceeded 200. In this way, each customer is only a loan of 1 million RMB.

Is 1 million RMB more?

Not much, of course.

But it also depends on the coverage.

Tang Qing has long made restrictions on these loans, and currently only serves small and medium-sized enterprises, and does not accept consumer emergency loans from large enterprises and individuals, and there are also restrictions on the amount of loans, and the maximum amount of loans for new customers is only one million yuan for the first time, and must provide a guarantor or equivalent collateral, and the customer's credit rating is average.

When the first loan is paid off on time, the customer level will be upgraded, and the loan amount will be doubled to become a first-level customer.

These two levels are only to establish initial trust, and at the same time allow the company time to conduct a thorough investigation of the lender's industry, status, and personal information.

Different customers, different credit, different personalities, different industry status, different family conditions, different interpersonal relationships, different abilities, etc., etc., there are too many factors, even if they are at the same level, their loan amount will be dynamic and flexible, and will not come rigidly, after all, even if a business owner has good credit, but the family is at risk of breakdown, and its own personality is still relatively extreme, the loan risk is great, and it has to be considered.

Such a hierarchical method is extremely cumbersome and complicated, not to mention private lending, and no bank in the world will even consider such a comprehensive and establishment of such a complex review and classification system, especially for small loans of this size, because the cost is frighteningly high.

But Tang Qing wants to try, because even if he opens a bank in the future, what he wants to do is a bank that can make money, can really serve the majority of customers with good credit, and at the same time ensure the safety of his own funds.

There are fighters here.

Tang Qing has the confidence to improve this complex and brain-burning system.

Come to Fenghua Assets.

At this time, Fenghua is not as sparse as before, but customers are lined up, one by one holding the information, waiting for review, when Tang Qing arrived, he saw seven or eight people sitting on the chair at the door, but Tang Qing knew that even if the restrictions on collateral were relaxed, there would not be more than two people who could get a loan.

The reason is simple.

He had read the summary information of Fenghua during this period before.

They received more than 1,000 submissions, of which less than 20 percent were approved, which still lifted the collateral limit.

For example, in a general factory worth two or three million yuan, it is very difficult for business owners to go to the bank to pledge a loan, even if they operate it, stuff some money or have some relationship, the funds that can be loaned out will definitely not exceed 1.5 million yuan, or even 1 million yuan, some depend on luck.

Of course, this is a general situation, there are many examples of 1 million assets, 10 million valuations, and 5 million loans, but they are negligible compared to the proportion, so they are not considered.

Although Fenghua's loan is relaxed, it can be guaranteed according to the 80% of the valuation of the collateral, and as long as the property right is okay, and the business owner's loan is used to operate the industry, then the first loan must be no problem, but most of the applications that have been cut are business owners who are lying, concealing the true situation of the enterprise, providing false information, or preparing to tear down the east wall and make up the west wall.

Tang Qing's purpose is to help the owners of small, medium, and micro enterprises with good credit to develop, solve their financial problems, and even make the first loan not even mandatory for the business status of the enterprise, but there are still many people who lie here with various purposes and want to defraud the loan.

couldn't even do basic integrity, Tang Qing could only say sorry to them.

Because of the experience of doing small loans in his previous life, he wanted to help those small business owners with good credit from the beginning, not all, he didn't think he had the ability, and he was not willing to help those illegal businessmen who specialized in making and selling counterfeits, being unkind to the rich, and lying a lot.

PS: Chapter 3, here, ask for votes.