Lin Jiahao was very depressed to the cashier with a happy face, as well as Chen Jie, who looked forward to it, and Cao Ning, who was disdainful from beginning to end.

Because Lin Jiahao didn't move or speak for a long time, the atmosphere suddenly became awkward.

"Should you ......" Chen Jie's expectant eyes suddenly became disdainful. The implication is that the second young master of the dignified Lin family actually brought 100,000 yuan on him to pull his sister out on a date.

Is there anyone in the paparazzi? This news is shocking!

"Aren't you going to try it once? This newly introduced product really doesn't really fit the skin, in case it breaks down......

"If you don't bring enough money, you will say it sooner!

Unlike Cao Ning, Chen Jie didn't want to save face for Lin Jiahao at all, she thought that she could knock a hard shot, but the result was only 100,000, and she was really unhappy.

"I've got something to do, let's go!"

Lin Jiahao was also depressed. But anyone who is so exposed is also depressed.

"Don't send it!"

Chen Jie shouted angrily.

As a result, before Lin Jiahao stepped out of the store, there was a voice in the store that I didn't know if it was Chen Jie or other clerks covering their mouths and laughing.

That's right, the second young master of the dignified Lin family, went out on a date with his girlfriend, and he only brought a card that could swipe 100,000 yuan, which was really embarrassing and disgraced to Huatai Bank.

……

It is said that Huatai Bank is holding a high-level meeting at this time to discuss the next marketing plan.

Suddenly, a "Kejin Huabei" appeared, both in terms of the strength of deposits and the speed of lending, which is much faster than that of banks. And this is actually a cumulative effect, just like when Huatai Bank began to grow bigger, it was able to circulate conscience, and through rapid rollout, it quickly squeezed most private banks to the brink of survival.

And compared with traditional card consumption, electronic payment is obviously more convenient.

"You all talk about your plan, whether it's unwritten or just an idea. The CEO presided over with annoyance.

He also temporarily summoned the heads of various departments, just because of the chairman's words. Of course, the decline in bank performance is indeed a very serious matter.

Because it was a casual conversation, everyone began to express their opinions after a few minutes of silence, after all, eating the bank's meal, and being a department head, it always takes a lot of brains.

This is still different from the situation where everyone in the agency bows their heads and only listens to the leader.

"I don't think that 'Kejin Huabei' will last long, they are now completely using price tactics. ”

The first to speak was the head of the finance section, who was an accounting major and was best at calculations. In fact, when "Kejin Huabei" came out, he combined with the various data he currently had and calculated it.

Everyone continued to listen to the head of the finance section, after all, he was the first to speak, and it didn't seem to be nonsense.

"Three days after the launch of this 'Kejin Huabei', I made a preliminary estimate that the red envelopes alone should be sent out at least 300 million. The difference between the deposit interest rate and the loan interest rate is completely insufficient to support their marketing methods. ”

Hearing this, everyone nodded.

"And. The chief of the finance section continued to analyze, "I don't know if you have used this 'Kejin Huabei', anyway, I downloaded it on the first day it came out, and now it is mainly used for shopping." For example, the supermarket downstairs of my house, as long as you pay with this 'Kejin Huabei', it will be 20% off, which is more preferential than the year-end promotion. And this discount, it is impossible for the supermarket to lose, it can only be the money paid by this company. According to the speed and scope of their paving, this amount will be far greater than the red envelopes they send. ”

Everyone was fascinated and nodded in agreement.

"Such a promotion method, that's killing chickens and taking eggs!" The head of the finance department finally did not forget to return to the topic, "Anyway, I don't think that the strength of a company can support them to promote it for a long time." So I think the best way for us to do that is to keep things the same. Besides, Jack Ma should be more anxious than us, after all, they are competitors, and we are physical banks. ”

After speaking, although there was no warm applause, the chief of the financial section had already brushed his existence from everyone's approving eyes.

However, in the end, it seems that a suitable plan is not given. At least, the CEO can't use this plan to make a difference.

"But no matter what, we need a solution to increase our business. The current decline in deposit levels is not significant, but loans have fallen by almost 50% year-on-year, which is very scary and has a direct impact on bank profits in the quarter. The CEO said.

Profits will be affected, and it will inevitably affect everyone's welfare, so this problem is very serious.

So there was silence for a while, and the head of the credit section spoke: "If you want to increase the amount of the loan in a short period of time, there are only two ways, one is to lower the interest rate, and the other is to lower the threshold. ”

Yes, if the interest rate is cheap or the procedure is simple, it is easy to attract lenders. In this society, there will always be people who need money, so banks can prosper for a long time.

"If you talk about the threshold, that 'Kejin Huabei' should be the lowest loan threshold I've ever seen. The head of the legal department answered, "You only need real-name authentication, and you can borrow up to 10 million." I tried to apply for 10 million, and I really passed, but in the end, the contract was not signed. ”

Although the head of the legal department felt that his entire net worth was worth more than 10 million, he was still very surprised that he could easily get a loan of 10 million with one ID card.

Indeed, if you want to borrow 10 million in a bank, it is completely impossible without physical collateral.

After more than 20 years of practice, the word "credit" has been ripped off to the point where it cannot be read. Even the so-called credit guarantee is only made when the applicant has a stable job and has enough guarantors, and the maximum amount is only 3 million.

Since the Ministry of Justice has said that the threshold for loans is the lowest, it is naturally impossible for the bank to lower the threshold. Moreover, lowering the loan threshold means that bad debts will increase, which can also affect profits and ultimately affect everyone's welfare.

"Then lower the interest rate on the loan! I think their interest rate is similar to ours. ”

After the head of the credit department made this suggestion, everyone also nodded. Seemingly, this is a good way to do it.

"In fact, our interest rate is already the lowest in the industry. "Moreover, this also needs to be approved by the board of directors." ”

This time he didn't talk about profits, he didn't talk about benefits, but just the need for the board of directors to pass this article left everyone speechless.

No one wants to continue the troubles.

There was silence for a long time.

Eventually, the CEO had to continue the meeting: "Well, let's split up and come up with our own plans." The finance department will take out the bank's business statements for the past week as soon as possible, and make an analysis report on the other party's profitability in as much detail as possible. The legal department, see if there are any legal loopholes in the company's loan contract. Credit Department ......"

In this way, things were broken down one by one, and this meeting was over.