Throwing away Xie Fang's application, so far, the Agricultural Bank of China has also seen Xie Fang's loan road.

"It's over, it's over."

With his household registration and ID card in hand, Xie Fang stumbled along the road home.

After the loan failed, then, I also saw my own way of life.

It seems that we can only work hard and grow that little bit of rice.

Although I am unwilling, this is my fate.

With a long sigh, Xie Fang didn't have any choice.

It's just that on Xie Fang's way home, he met a friend.

"Xie Fang, seeing that you are in such a bad mood, what are you doing?"

"Well, don't talk about it, I'm not planning to raise pigs, I'm just a little bit short. So, I went to the bank for a loan, but the bank asked me for a mortgage and a guarantee, and I didn't get a penny. ”

Of course, looking for a guarantor, Xie Fang can find it, but it can't be an ordinary person's guarantee, you must have certain assets, or you must have a certain reputation to be able to guarantee. It's just that these famous people, rich people, how dare he lightly vouch for Xie Fang. They will think, if Xie Fang can't pay back the money, what will he do?

"I said you were going to take out a loan."

Hearing Xie Fang's words, this Xie Fang's friend jumped up suddenly.

"What, you have the money to lend me?"

Xie Fang was confused.

"Khan, brother, you don't know my situation, you said you want to borrow a few hundred, then it must be no problem. But if you want to borrow tens of thousands, then I can't help you. However, I heard that there is a bank that seems to have invested a lot in the development of our new countryside, you can go there and have a look, maybe you can get a loan? ”

"Ah, which bank?"

"Tang Dynasty Bank."

"Isn't that the new bank?"

"Yes, yes, yes. I heard that this bank is famous in the city, you can check it out. ”

"Okay. I'll go. ”

Although I had never heard of Tang Dynasty Bank before. However, Xie Fang seems to have heard the two words of the Tang Dynasty. Moreover, I heard that it is a large company. As for what**. Xie Fang didn't know much either. Anyway, though. If he can take out a loan, even if there is a slight opportunity, Xie Fang wants to try it.

Subsequently. Xie Fang returned to the town again.

Tang Dynasty Bank. The front is.

Although he didn't know what the outcome would be, Xie Fang still walked in.

"Hello, what business do you need to handle?"

"Loan, loan?"

"Okay, this way, please."

The bank staff smiled and took Xie Fang to the other side, and. He also brought Xie Fang a glass of water.

"Thank you, thank you."

Xie Fang, who has never enjoyed such treatment. I felt a little flattered all of a sudden.

"Hello, excuse me, what kind of loan do you need?"

At this time, the staff had already begun to ask Xie Fang.

Hey, strange, why didn't he ask me if I had a mortgage?

Although it was strange, Xie Fang still said directly, "I want to raise 50 pigs and want to borrow 100,000 yuan." ”

"So, do you have any plans to raise pigs?"

"Yes, yes, yes, I've written it."

As he spoke, Xie handed over his plan to the staff.

In this plan, Xie Fang wrote very clearly, including the price of live pigs, the local market price, and how to make a profit, and other things...... Xie Fang believes that such a plan must be good. It's just that other banks don't look at his plan, only whether he has a mortgage or a guarantor.

"Okay, we'll leave a printed copy of your ID and we'll let you know if we've got the approval."

With surprise, Xie Fang left the Tang Dynasty Bank?

"Is this okay?"

It's too simple, isn't it?

However, Xie Fang also thought that maybe, the bank didn't want to reject him in person. …,

With a sigh, Xie Fang had no choice but to go home.

It wasn't until two weeks later that Xie Fang had no plans for Tang Dynasty Bank. Tang Dynasty Bank called him and said directly, your loan has been approved and you can go to Tang Dynasty Bank to get it. Hearing such news, Xie Fang really felt incredible. But he is a bank, how can he be defrauded.

So, Xie Fang, who was excited, also came directly to Tang Dynasty Bank.

"My loan approved, really approved?"

Even when he got to the bank, he still didn't believe it.

"Yes."

The staff of the Tang Dynasty Bank nodded personally.

"But ......"

"But what?"

As soon as you can't hear it, a bad premonition is coming.

"However, because you have no guarantee and no collateral, we will supervise the funds of your 100,000 loan. This means that the investments you use, as well as other things, must be proven to us. If we confirm that it is correct, we will provide you with a loan of 100,000 in installments. ”

"This ......"

Although Xie Fang felt that there were some troubles in this.

However, after thinking for a while, Xie Fang also nodded and agreed.

The bank is not stupid, you don't have anything, just with a plan, you borrowed 100,000. If there is no certain regulation, who knows what you are going to do with 100,000. Moreover, he is taking money to raise pigs, but it is legitimate and legal, and there is a basis, and he is not afraid of their supervision.

Immediately, Xie Fang signed a contract directly with Tang Dynasty Bank and received 10,000 yuan for the first time.

The remaining 90,000 still need to see the progress of "Xie Fang" in all aspects, and deal with it again after supervision.

After such a measure, it was soon set off a lot of discussion.

Because, since ancient times, loans need to be mortgaged, and guarantors are needed. Of course, there are some difficult households, or those who are particularly in need of help. However, the Tang Dynasty Bank set a precedent and could lend its own money without any guarantee or collateral. Although this does seem to be very gratifying, after the introduction of such a system, it has also been questioned by others.

Perhaps, now that the Tang Dynasty Bank has a lot of money, it will not feel bad if it gives out such a loan. However, outside of running for a long time, there are many such loans. There will definitely be a whole bunch of bad debts, dead debts. After all. If you don't need a loan. If you don't need anything else, if you can borrow casually, many people will desperately take out a loan.

Of course, you say what plan you want. It's all OK, and they can still say what project they want to develop.

Like what. breeding, etc.

If this is the case, then, the Tang Dynasty Bank will definitely be in just a few years. All bankrupt.

It's definitely possible.

And because of this. Some experts think. Maybe this is just a show by the Tang Dynasty Bank, or a little welfare project of the Tang Dynasty Bank. Of course, there are also experts with ulterior motives who believe that this should be another strategy of Tang Dynasty Bank to crack down on other banks. After all, other banks can't lend money, they can't lend money. A lot of people hate these banks to death. Now that the Tang Dynasty Bank is here, even if you don't need a guarantee, you can get a loan. Only a small fraction of the ...... However, this did not prevent the people from having a good opinion of the Tang Dynasty Bank.

As a result, coupled with a series of previous systems responsible for depositors, Tang Dynasty Bank has been supported by the public not long after its establishment. Many users always say that they have saved money for a lifetime and have never experienced such a good service. Some users said that they chose Tang Dynasty Bank, like what kind of deposit, withdrawal, and nationwide access, but they no longer need to worry......

Of course, like electronic payment, there are also a large number of people who have begun to choose Tang Dynasty Bank. After all, with something, of course, with something uniform. Electronic payment is Tang Dynasty Group, choose a bank, of course, but also choose Tang Dynasty Bank. ..., it's just speculation among some media.

So how could an expert, an analyst, know the strategy of the Tang Dynasty Bank?

Tang Dynasty Bank is not a show, and it is not a welfare project.

The loan measures of the Tang Dynasty Bank seem to be without guarantee and collateral, but there is a strict degree of review. For example, a marketing specialist will be asked to investigate, just like venture capital. It's just that venture capital is more specialized than small bank loans. At the same time, there are strict checkpoints for the distribution of funds.

There are some people who want to cheat loans, not to mention whether they can be cheated, even if they can be cheated, there will be more regulatory procedures for the release of funds. Would some rural friends want to cheat 120,000 yuan and get into jail? Moreover, the Tang Dynasty Bank dared to make such a loan system because they knew too well about their rural friends.

It should be said that many people are kind by nature. They have a natural reverence for the government and the public in their hearts. Even if they owe money to their friends and relatives, they will not fail to repay the money they owe to the bank, let alone the money they owe to the state. In this way, there are many fewer malicious loans.

Even if there is, investigate this person's character in the village, and everything will be OK. You say, if you are idle every day and don't do anything, even if you have a big plan, you will be shot in the same way. Therefore, although such a system is relatively good, it can effectively help the local economy, especially the rural economy.

As long as the rural economy comes together, the urban economy will develop normally. Then, whether it is for the Tang Dynasty company, or for the whole of China, there are countless benefits.

This is only the domestic banking system, but in fact, Chen Jiayi is more interested in the international market.

Only by doing your business internationally, to be global, that is a real financial empire.

Financial empire.

This is even more terrifying than the Internet empire.

Although the Internet empire connects everyone in the world, the Internet is only a technology, a technology. When emerging technologies emerge, emerging technologies emerge, and the Internet may also be eliminated. Then, with real money in your hands, no matter which country or which society you are in, you can mix it up.

It's just that Chen Jiayi has had some headaches recently.

How difficult it is to build a financial empire. Even some strategies in China have annoyed Chen Jia.

Pressing his temples, Chen Jiayi felt very tired.

Yes, it seems that the Tang Dynasty Bank is missing a big manager.

That's right, because Tang Dynasty Bank has just been established, time is a little urgent, so Chen Jiayi also took over the management of the position of CEO of Tang Dynasty Bank. It's just that Chen Jiayi has a shortcoming, if he wants him to take the helm in the general direction, he can get by. However, he is asked to make a company grow slowly, step by step. Among them, it is necessary not only to absorb talents, but also to manage the entire company, both internal and external, and then there are other ...... Just think about it. Chen Jiayi has a big head.

For example, the other day, my sister's. The Agricultural Bank learned that the Tang Dynasty Bank had robbed them of their business. So, taking advantage of the rules of the Tang Dynasty Bank, they went to various villages one after another, and asked many villagers to apply for loans from the Tang Dynasty Bank. Although they do. Such a loan may not be available. However, all of a sudden, the Tang Dynasty Bank received tens of thousands of such loans. Until the post. Only then did they find out that it was actually the Agricultural Bank of China.

So, Chen Jiayi also returned a tooth for a tooth. Tens of thousands of people were called across the country. I went to the Agricultural Bank every day to open an account. Because it takes a long time to open an account, and there is no profit. As a result, the Agricultural Bank of China could not operate at all. In the end, with the mediation of the relevant state departments, the two sides stopped the attack. ..., although it seems quite exciting, and the fight is inseparable. The crowd of onlookers also secretly applauded.

But, after all, it's hard work. Tired Chen Jiayi half to death.

Chen Jiayi seemed to remember that he hadn't done such a thing for several years.

It's just that although Chen Jiayi sighed, the position of CEO of Tang Dynasty Bank is not easy to find.

At the beginning, Tang Dynasty Group did invite a headhunting company to look for it. Although the headhunter recommended a few to come, the interviews were not very in line with Chen Jiayi's requirements. Until now, Chen Jiayi sighed that he couldn't find a suitable candidate for a while.

……

Qi Xiangdong is the manager of Standard Chartered Bank in Africa, he started as a small teller at the beginning, and now he is the manager. still remembers that when Qi Xiangdong was sent to Africa, he felt that a dark life had begun. Because, at that time, in his image, Africa was a primeval forest, and when you go there, you are dealing with the indigenous people.

This kind of life, I'm afraid that some people will tremble their legs when they hear it. Even, until he got on the plane, he was still wondering if he would have to go to the forest to find food by himself when he arrived in Africa. It's just that after arriving in Africa, he found that African countries are not what he imagined.

Although Africa is very backward, it is not a primeval forest.

It wasn't until a few years later that Qi Xiangdong had fully adapted to life in Africa, and he was full of infinite expectations for Africa. He believes that in today's increasingly global development, only Africa has incomparably huge development potential. As for the rest of the place, Europe and the United States, forget it...... They have long since matured.

It's just that Qi Xiangdong never imagined that when he thought that Standard Chartered Bank, with its countless branches in Africa and Asia, would be able to go all out in the future and build itself into an unparalleled financial empire in the world. Qi Xiangdong was shocked to find that Standard Chartered Bank had already intended to sell to Changjiang Group.

After learning such information at that time, Qi Xiangdong, as the manager of the African region, suggested to the headquarters of Standard Chartered that the African and Asian markets are definitely the most potential markets for Standard Chartered Bank. Even, his potential surpasses that of Hong Kong/Hong Kong. Although many branches are now suffering losses due to the impact of the financial crisis and the lack of deposits of Standard Chartered Bank. However, Qi Xiangdong believes that as long as it persists for a year or two, Standard Chartered Bank can definitely recover its former glory. It's just that Standard Chartered Bank at that time had already made a plan, and how could it manage Xiangdong's opinions.

For this reason, Qi Xiangdong submitted his resignation to Standard Chartered Bank. Because, in his opinion, he is willing to go to Africa because he is interested in the future development of Standard Chartered Bank. However, Standard Chartered Bank has now sold its most potential assets, and Qi Xiangdong has become disheartened. There is no point in staying at Standard Chartered anymore.

Immediately, Standard Chartered Bank was sold to Cheung Kong Group for more than $80 billion. Immediately, the Changjiang Group was sold to the Tang Dynasty Company again at a net profit of several billion dollars. So far, more than 95% of the branches and branches of Standard Chartered Bank in Africa and Asia have all been handed over to Tang Dynasty Group.

"No wonder the Tang Dynasty Group was able to develop so strongly."

Qi Xiangdong, who had returned to China, muttered to himself.

This step-by-step strategy of seizing opportunities is unmatched by any institution in the world.

After finishing speaking, Qi Xiangdong looked at the information on Tang Dynasty Group's recruitment of CEOs.

"So, I should recommend myself?"

……

Tang Dynasty Group.

After dealing with the heavy tasks today, Chen Jiayi wanted to take a break in the afternoon. No, after eating Chinese food, Liu Liang said to Chen Jiayi, "Mr. Chen, there is a person who came to apply for the position of CEO of Tang Dynasty Bank. "...," asked Zixian to go for an interview. ”

Chen Jiayi has interviewed N before, always with a lot of expectations, but in the end he is always disappointed.

During the interview, Chen Jiayi had no interest.

"Okay."

As soon as Chen Jia ordered him, Liu Liang was about to leave.

It's just that after a while, Chen Jiayi said, "Wait, let's take a look at this guy's resume first." ”

Although the resume is not very important, it can be used to get some knowledge of the person. Probably because Chen Jiayi was too concerned about the position of CEO of Tang Dynasty Bank, he knew that there was no drama, but he still wanted to take a look. Until, when Chen Jiayi saw that this person had served as the African manager of Standard Chartered Bank, Chen Jiayi became interested.

"Liu Liang, check this person Qi Xiangdong."

Soon, it didn't take five minutes for Chen Jiayi to get Qi Xiangdong's complete information. According to the information, Qi Xiangdong is the Africa regional manager and is fluent in many African Chinese. Previously, for some reason, he suddenly submitted his resignation to Standard Chartered Bank. Until now, he has returned to China.

"Qi Xiangdong?"

After reading the information, Chen Jiayi thought about it for a while.

Strictly speaking, Qi Xiangdong does not quite meet Chen Jiayi's requirements.

Although Qi Xiangdong is fluent in many African languages, this is his advantage. However, as a superior, language is only a small advantage, not a decisive one. Tang Dynasty Company has excellent simultaneous translation, will not be in various Chinese languages, the same can. However, you must have a strong sense of the big picture and the ability to operate in the future.

However, Qi Xiangdong is only the division manager and does not seem to have an operation on the overall situation.