Sushang Bank is a regional joint-stock commercial bank, formerly known as the city commercial bank, the city credit cooperative, the two reorganized and merged, the overall scale is not large, and the state-owned banks such as the construction of workers and peasants can certainly not be compared, even with the transportation and China Merchants Everbright these well-known commercial joint-stock banks, there is a big gap.

But in any case, no matter how small the scale of Sushang Bank is, it is after all a bank, a place to manage money, and at present, in southern Jiangsu Province, and even the whole country, the amount of funds of any enterprise cannot be compared with the bank.

In the banking industry, Sushang Bank does not rank high, but in southern Jiangsu Province, Sushang Bank is related to the economic lifeline of a number of large and small enterprises in southern Jiangsu.

Zhao Zejun has long been familiar with Lu Ting, and he has not been able to see each other due to various unfortunate circumstances.

Unexpectedly, this meeting, the other party actually took the initiative to take Rosa with him, Zhao Zejun was a little surprised, it seems that the relationship between Rosa and Lu Ting is not ordinary, at least not an ordinary superior.

After the review, everyone laughed and didn't continue to mention this little 'accident', Lu Ting led the topic to Yu Bao and Ze Pay.

Zelianke acquired Tianhong and got rid of Sushang Bank, and when he first got the news, Lu Ting, like Rosa, was a little annoyed.

This Zhao Zejun is too unconcerned about 'rules', you play with your Internet real estate, what are you doing when you come to the financial circle to plug in your legs? If you want to plug in, you can plug in, and there is no policy in the left and right countries that says that those who engage in the Internet cannot do finance.

But with such a big piece of cake and a boundless market, who are you going to plug in, so you have to insert Sushang Bank?

The previous cooperation between the two has always been very pleasant, and the leading boss of the business district in southern Jiangsu Province and the local bank in southern Jiangsu Province should have worked together.

However, Lu Ting's height was different from Rosa's, and as soon as his mind turned, he immediately thought of another possibility. Zelianke's acquisition of Tianhong Fund is already a fait accompli, and it is not illegal, and if you ask the teacher for this matter, can Zhao Zejun still spit out the meat that he ate in his stomach?

Getting entangled in the issue of fund channels will not help, and it will only make both sides unhappy and expand the rift. Zhao Zejun gave Rosa a look on his face before, not necessarily for Rosa, the little director, it is likely that it was through Rosa that he made a tough statement towards Sushang Bank, if Sushang continued to make a fuss, maybe even the business that the two sides cooperated with before would be gone.

Although there are not many assets in the Zezi system, through financial business, there is a frightening amount of money under management.

Whether it is recharged on a third-party payment platform or purchased through Yu'e Bao, this money still needs to be placed in the bank in the intermediate stage, and tens of billions of funds, or even hundreds of billions of funds in the future, no matter which bank can ignore it. In particular, if a small regional bank like Sushang can cooperate with Huayuan Financial in a stable manner, its business will definitely improve by leaps and bounds.

Lu Ting met Jianwu City this time, and contacted Zhao Zejun as soon as possible, and did not show any displeasure about Tianhong's previous question, but was unusually polite.

"Mr. Zhao, we have had relevant cooperation before, Zelianke and Zeye, the money in their accounts has been taken from Sushang Bank, and Sushang Bank has never treated Zezi system badly in terms of interest, not only more than the four state-owned ones, but also significantly higher than other commercial banks. ”

Lu Ting said, raised his glass and shook it at Zhao Zejun, took a sip, and then said with a smile: "Since the cooperation has been good, in my opinion, the funds of Huayuan should simply be placed here with us." You can rest assured that the treatment will definitely give you the best, and you will not be stuck on any conditions. Just one point, you have to use a large amount of money, more than one billion at a time, just call me in advance, so as to save my side from being caught off guard. ”

"I don't have to say that. It's the same everywhere, our two have cooperated for so long, and the run-in is very good, and I can rest assured that I can put it on the side of Su Shang. Zhao Zejun said.

Rosa, who was accompanying her, was obviously stunned for a moment, and looked at Lu Ting with some incredulity.

Such a large business, if it were replaced by any bank, even if it was the four major state-owned banks, I am afraid that Zelianke would have a fierce negotiation and bargaining, and Mr. Lu would have it in two sentences?

When did Zhao Zejun become so easy to speak?

Lu Ting didn't have any obvious mood fluctuations, he was very calm, and said, "Then according to the old rules, I will send someone to serve you when I go back." ”

After speaking, he drank the wine in the glass in one gulp and said with a smile: "Mr. Zhao, this time to enter the financial industry and make such a big move, it must be ambitious." Our Sushang Bank is a small bank, but the bank is in the financial circle, after all, it is a superstructure, if there is anything that can help, you can just ask, don't be polite. ”

Zhao Zejun also smiled, such a large fund trusteeship, of course, it is impossible to finalize it in two sentences, since it is a cooperative relationship, Sushang Bank must of course give other sincerity.

"I have some ideas, I want you to talk to Mr. Lu. ”

Zhao Zejun tapped the table with his fingers, thought for a while, and said, "Tianhong has the qualifications for loans and guarantees here, and it is a waste of resources to be idle in vain. However, I don't have enough funds to make a loan, and I can't use the money from my clients to buy funds. Therefore, I want to cooperate with Sushang Bank to develop the guarantee business. Zelianke does guarantee business, and Sushang Bank lends. ”

Lu Ting was slightly surprised, "Mr. Zhao, hasn't Huayuan been doing small business loans before, why are you ready to do guarantee business again?"

"The small loans of enterprises are too affected by the policy, and the policies of each province are different, so I want to expand one province by another, the workload is too much, and the benefits are very small, and it is not cost-effective. But the guarantee is not the same. Zhao Zejun said.

"Yes, there is a difference. The guarantee can be leveraged, and 100 million assets can be leveraged by 1 billion. The general guarantee fee is 1.5 to two points, counting the leverage, your guarantee income is 15%-20%, and the guarantee is not limited by region, and the policy is relaxed. ”

Lu Ting laughed: "Mr. Zhao, you are going to do a big job, ambitious!"

"Since there are financial companies in hand, it is better to lay out early, and the earlier you enter the market, the sooner you will occupy the market. Even if you can't make money in the short term, you can still accumulate experience, after all, I am doing it across banks, and I am still a beginner in the financial industry. ”

Zhao Zejun also smiled faintly, and then continued: "In terms of the original loan business, I also want to split it, and the small loans for enterprises are only for southern Jiangsu Province, and the money does not go from the bank, but directly from my Zelianke." This can be regarded as the support and feedback of the Zezi system to the hometown enterprises. In addition, on the Internet, I want to open a 'personal microloan' business, which requires the support of the bank. ”

"Online personal small loans?" Lu Ting thought for a while, "Just like Yu Bao, take the Internet, that is, your Zepay channel, and give users loans through the Internet?"

"Yes. Zhao Zejun said.

"Mr. Zhao, as long as you do a good job of market research, have perfect legal preparations in advance, and have collateral, the risk of guarantee is not large. But what kind of risk control mechanism do you have on the Internet to lend to millions of people who don't know the details?" Lu Ting asked.

"I'm going to build a personal credit rating. Zhao Zejun said: "According to the online consumption records and personal repayment records, a step-by-step personal rating system is established to determine the loan amount." ”

Seeing that Lu Ting was still a little uneasy, Zhao Zejun paused and said with a smile: "Mr. Lu, I still know a lot about Internet users, and the vast majority of netizens are ordinary people. Very few people will deliberately default on their debts for hundreds or thousands of dollars. ”

"What if there really is?" Lu Ting asked.

Personal online loans are very troublesome to do, this kind of short-term small loans, the amount of a single loan is not small, the time is short, so the interest is not high, but the total amount is huge, there is a great risk, and it is difficult to control the risk.

He could see that Zhao Zejun made a guarantee for the purpose of making money, and that the main reason for making online personal loans was not to make money, but to occupy the market and compete for paying Internet users.

The bank can't do it, once there are too many bad debts and bad debts, the money can't be recovered, and he, the president, can't explain to all sides.

"You can rest assured that the Internet is a virtual world, and every user has a piece of personal information on the Internet. On the Internet, Zelianke can grasp not only a user account, but a full range of user information, which is more complete than the household registration management of the Public Security Bureau. Not to mention anything else, since the user uses Alipay, his personal bank account information is in the hands of Zelianke. ”