Some of them reacted quickly and even thought of a point: CITIC Industrial Bank and Industrial Bank came so quickly, could it be that Chen Geng informed them?

Thinking of this, everyone's dissatisfaction is a little complicated. Pen "Fun" Pavilion www.biquge.info

Chen Geng didn't react at all, just nodded: "The news of President Ma and President Li is quite well-informed...... Well, please let them in. ”

He didn't go out to greet him, but none of the people present felt anything wrong.

……………………

President Ma and President Li, who strode in, didn't seem to see the presidents of the other banks present, and shook hands with Chen Geng with a smile on their faces: "Chairman Chen, I heard that Runhua Industry is going to make a big move next, so we are really embarrassed to come uninvited." ”

"The two are polite," Chen Geng, of course, would not be stupid and didn't know how to behave, and said with a smile: "The two presidents can come is a strong support for our work, I can't ask for it, please sit down, Xiao Li, help the two presidents make tea." ”

President Ma and President Li greeted all the presidents present one by one, and after a round of greetings, President Ma took the lead in asking: "Chairman Chen, we don't know much about the situation, we only know that Runhua Industrial seems to be preparing to carry out auto loan business, but specifically, what does Runhua Industrial plan to do?" Can you tell us a little bit about your thoughts? ”

Chen Geng nodded, and at the same time his eyes swept around everyone, and then said: "Just right, I was about to say this, I initially had two ideas, one is to refer to the more common car loan model in Western countries, Runhua Industrial set up a financial service company, and this financial service company will match consumers and banks, and we will charge a certain service fee and bank interest rate rebate ......"

Really!

As soon as Chen Geng's voice fell, the eyes of President Xie Jinsheng of the Bank of Communications and Director Xu of the Post and Telecommunications Bureau suddenly lit up: This guy is really playing the idea of interest rate rebates.

Think about it, even if you can only get a 10% rebate, this year is also tens of millions of net profits, this is not counting what he Chen Geng just mentioned what handling fee, although I don't know how that is the "handling fee" is charged, but it will not be cheap, it is estimated that a car will have to be at least hundreds of thousands of yuan, so that it is tens of millions a year, so calculated, a year is easily hundreds of millions of net profits, to say that I am not afraid of offending people, now the whole country, How many companies can have a net profit of 100 million yuan in a year?

President Xie and Director Xu are not afraid that Chen Geng will want rebates, but they are afraid that Chen Geng will not take him to play.

As for the presidents of the four major state-owned banks, their expressions were a little subtle: if he insisted on not giving rebates to Runhua Industrial, would Chen Geng command him to symbolically borrow some money from himself?

Chen Geng didn't see the change in the expressions on the faces of several bank CEOs, and then said: "But as you know, this kind of plan is relatively risky, and the country has no laws and regulations in this regard, so everyone may be a little constrained in operation, so I have prepared a second plan for the big guys, simply put, that is, Runhua Industrial borrows money from various banks, and everyone gives us a certain preferential interest rate, and then Runhua Industrial takes the money to lend to those users who are ready to take out loans to buy cars."

The biggest advantage of this is that the main body of the loan has changed, not counting whether the user will default in the future, the borrowers faced by the bank are Runhua Industrial, one is not to worry about the money lent out can not be recovered, and the other is a lot less trouble in reception. ”

Well?

How else can it be done?

As soon as Chen Geng's words fell, the eyes of the CEOs of the four major state-owned banks lit up.

As Chen Geng said, if it is to learn the way of Western auto finance loans, banks have a lot of work to do, first of all, the most basic point is to review and actually verify the qualifications of the applicant, which should also consider whether the loan applicant will have the risk of default in the future for a period of time.

After all, although the loan applicant stops repaying the loan halfway, the bank can theoretically take back the car and auction it to ensure the interests of the bank, but the problem is that there is actually a lot of risk in doing so, one of which is that the bank has no way to locate the location of the car, and it is very simple to make a fake license plate.

But if the loan applicant is replaced by Runhua Industrial, then there is no problem, not to mention that Runhua Industrial's credit status in the past is very good, and even not very willing to borrow a loan at all, in terms of volume alone, Runhua Industrial has no possibility of running away because of such a loan.

Although the premise of this is to discount the interest rate, unlike ordinary loans, this car loan is available every year, and may increase year by year, which means that the bank's profits will also increase year by year, not to mention not to mention not taking any legal and political risks at all!

From this point of view, for banks, if they choose the second cooperation plan, this is simply a business that will make sure that they will not lose money, and they will be able to break through and win anything!

Shen Daqing subconsciously shouted: "I think this second way of cooperation is the most suitable." ”

"yes, I think so, too."

"I think the second cooperation option is good."

"If it is the second cooperation plan, our ICBC Bank can raise the rebate point a little more......"

…………

Everyone was excited, even the Bank of Communications and the Post and Telecommunications Bureau in the coming year.

It's not because of anything else, it's really that Chen Geng proposed this second cooperation plan without any risk for the big guys, and with this second option, the fool went back and chose the first cooperation plan.

However, the two CEOs of Industrial Bank and CITIC Industrial Bank looked a little hesitant.

"Everybody's in love with this second option?" Chen Geng nodded: "Of course there is no problem, but as I said in the front, this second cooperation plan is equivalent to our Runhua Industry taking all the risks, so we have to make some concessions in terms of this rebate." ”

Concessions again?

Chen Geng's request made everyone a little embarrassed: now it is time to return a quarter of the interest rate to Runhua Industry as a rebate, but Chen Geng is still not satisfied?

Shen Daqing thought for a while and said, "Brother, this matter is a bit against the rules after all, this ...... Why don't we talk about it again? ”

This is a vague threat to Chen Geng: Boy, don't be insatiable, if your conditions are too high, it's a big deal that we won't do this business of your Runhua Industry, and everyone will break up.