After the funds on Jumei's account arrived, the deposit assessment task of New District Marketing this year was overfulfilled, because of this large deposit, Ding Le's performance score this year was naturally rising, and he was soft to get the money.

However, Ding Le has been a man for two lives, more than ten years of experience, and the loans he has lent out are 500 million, he has long lost his concept of money, not to say that if you have money, you must live in a luxury house, drive a luxury car, dress how luxurious, eat abalone and lobster every day, and he will not be handsome because he wears LV today, in his opinion, money is just a number, which is why after shorting Bear Stearns, Ding Le can still be light.

Looking at the huge amount of money lying on the company's bank account, Xu Jing finally breathed a sigh of relief, previously affected by the funds, the construction of the logistics system has come to a standstill, and now the funds are in place, and everything can be promoted at a high speed. The company's website will soon be ready for trial launch, and all of this must be prepared before the launch without compromising the customer experience.

After calling Ding Le to spit out, she once again devoted herself to her selfless work, and her daily work schedule was full. After solving Jumei's financial problem, Ding Le focused his attention on the business of the marketing department of the new district.

After China's economy has been growing at a rate higher than 10 percent for five consecutive years, the government believes that there is a risk that economic growth will turn from too fast to overheating, and at the annual economic work conference held in December last year, it set the task of macroeconomic regulation and control in 2008 to prevent economic growth from turning too fast into overheating and from preventing prices from rising structurally into obvious inflation The policy has determined the implementation of a prudent fiscal policy and a tight monetary policy, and the focus of fiscal expenditure will be on strengthening the weak links in economic and social development, and efforts will be made to promote structural adjustment and coordinated development.

With the determination of the top-level policy, the government issued a number of documents affecting the real estate industry in the first quarter, and also raised the bank reserve ratio, after the crazy outbreak in 2006 and 2007, China's real estate market began to enter a deep adjustment in early 2008.

Haizhou has not been spared in this round of real estate "cold wave", and since the beginning of the new year, the overall transaction volume of real estate in the city has been declining. With the market volume and price reduction, the life of real estate developers is becoming more and more difficult, and at this time, there are banks taking the initiative to market loans, which is really a relief in the snow.

In recent years, Haizhou has seized the opportunity of accelerating the transfer of international industrial capital to the Yangtze River Delta region, actively implemented the strategy of attracting investment, and the amount of new foreign investment has increased by leaps and bounds, more than 100 of the world's top 500 enterprises have invested in Haizhou, and the increase in foreign-funded factories requires a large number of industrial workers, and the net inflow of population has continued to increase in recent years, which are the potential purchasing power in the future.

According to the requirements of Haizhou Bank's credit policy in 2008, real estate belongs to the priority support category, but due to the impact of the environment, Haizhou Bank has not yet granted a new credit to customers in the real estate industry this year, and the loan review committee of the head office is also tight in the approval decision. Affected by the current national policy and market sentiment, everyone is generally not optimistic about real estate.

At this point in time, a large number of real estate customer credit reports are bound to need to communicate and report to the leaders of the approval department of the head office in advance, Ding Le looked at the information at hand, and frowned secretly, the report material at hand is still a little empty.

"Fei Yang, come in!" Ding Le raised his voice and shouted loudly outside the office.

"Boss, do you still need to change the materials reported to the leader?" Fei Yang asked a little weakly.

"It's good to modify the text part slightly, the main thing is that the data support is not enough, report to the leaders of the head office, if you don't use the data to speak, they will not easily change their attitude!" Ding Le said while knocking on the table.

"Don't overemphasize the current market situation in the report, focus on the analysis of the benefits that the proposed cooperation is expected to bring us, not only from the interest income of the loan, but also from the perspective of derived resources. ”

"If we reach a cooperation now, the later mortgage business cooperation is even more important, and this must be highlighted in the report!"

Ding Le directly marked the key points, and Fei Yang kept recording them in his notebook.

Through the early visit, the current cooperation of the five developers, in the unit of statistics, there are about 3,500 households under construction or to be built, according to the 50% cooperation ratio estimated, the current average price of housing prices in Haizhou is 7,500 yuan / square meter, a preliminary estimate, will bring about 1 billion yuan of incremental mortgage loan business to Haizhou Bank.

In the past two years, housing prices in Haizhou have continued to rise, and the scale of Haizhou Bank's personal mortgage loan business has been increasing, but the senior management of the head office has not paid enough attention to the personal mortgage business, and there is only about 5 billion plates at present. The increase in loans of 100000000000000 should make the leaders excited, Ding Le thought to himself.

Fei Yang continued to revise the materials with Ding Le's instructions, and Ding Le took out the materials of the five customers again and looked at them. From his point of view, there is basically zero risk of intervening in real estate at this point in time, but the leaders do not think so.

After some consideration, Ding Le finally determined the customers who reported to the head office for credit approval for the first time, Vanke Four Seasons Garden Project and Haizhou High-tech Century Park Project.

Vanke Four Seasons Garden, the first phase is under construction, the project is surrounded by complete supporting facilities, as a benchmark enterprise in the real estate industry, both its own strength and project positioning are impeccable.

Haizhou High-tech Century Park, the first phase is about to begin, as a local developer, Haizhou High-tech has successfully operated a number of projects, and it is a state-owned background, and the ability to repay is undoubted.

Fei Yang's work efficiency is very high, Ding Le's materials have not been read, he has already fed back the revised draft, Ding Le read the basic approval, picked up his bag and rushed to the head office to report.

Downstairs in the sales department of the head office, Ding Le met Fan Xiaofeng who was walking out of the office with the customer, and wanted to say hello to him, but who knew that Fan Xiaofeng saw Ding Le as if he had met the devil, and he didn't care about sending the customer again, so he turned around and fled back to the office.

Ding Le visited Yu Jiankang first and briefly reported to him the recent work of the marketing department of the new district. After chatting with Yu Jiankang, Ding Le first found President Yang. Governor Yang is the director of the loan review committee, and as long as he is convinced, it will be easier for other committee members and the credit approval department to speak.

Ding Le's report focused on the future economic development potential of Haizhou City and the derived resources that the cooperative customers are expected to bring to the bank, and finally introduced the customers of this cooperation.

Through Ding Le's report, Yang Zongpei recognized Ding Le's keen observation and overall view of the market.

After listening to Ding Le's report, Yang Zongpei said with a smile: "In principle, I support your business, but as far as the current market is concerned, your risk control measures must be in place." ”

"Please rest assured that the leaders are all high-quality customers, the loan guarantee methods are mortgaged, and the risk is absolutely controllable!"

After President Yang agreed, Ding Lecheng struck the iron and visited Chen Hui and Wang Zhen, the leaders of the branch in charge, and when Ding Le finally came out of Ma Junhai's office, he already felt a little out of emptiness, and the day was spent on moving his mouth, which was really a little unbearable.

Ding Le walked out of the head office building and immediately called Fei Yang: "I have already communicated with the leaders, you have worked overtime in the past two days to prepare the credit reports of those two companies and submit them as soon as possible." ”

"Did the leader of the credit line have any opinions?" Fei Yang was most concerned about the loan line.

"Let's start with the plan proposed by the customer!"

"That's it!" said Fei Yang excitedly on the other end of the phone.