Fang Xiachu was still thinking about the issue of commercial loan interest rate discounts at the Monday morning meeting, and after the dissolution, she couldn't help but ask Master Zhou of the Agricultural Bank of China.

"The interest rates of the four major banks are all uniform." Master Zhou didn't find her question strange, "We are all benchmarks, there are no discounts. ”

Fang Xiachu hurriedly asked again: "Then I'm the same, is there no discount?" ”

Master Zhou: "Well, it's usually the bank that has the final say, but according to the flow of your customers, it doesn't matter if there is a discount or not, and no one cares about the benchmark interest rate." ”

Fang Xiachu frowned, she was obviously puzzled: "But if I have a discount on the interest rate, wouldn't it be that the customers of the portfolio loan will give priority to our bank?" ”

"Why can't you think so?" Master Zhou was not very impatient and said, "The process and disbursement of portfolio loans are much more complicated than those of pure provident fund loans, and you can do less if you can, and no one will add money to you, stupid or not." ”

"Starting from this month, the interest rate of commercial loans will be reduced by 10%, and high-end and high-quality customers can apply for a 15% reduction in large commercial loans, and all proposals must be written." Jasmine Huang distributed more than a dozen notices of interest rate adjustment to each account manager, "So there is unfortunate news to tell you that you must also adjust the interest rate of the loan that has not been disbursed in real time, notify the customer, complete the proposal, re-enter it in the background, and submit it for approval." ”

There was a sigh in the conference room, but because Chen Zhu was there, no one dared to complain openly.

Chen Zhu swept around the crowd, and said in a calm tone: "There are less than two months left before the end of the door, 54 days, this preferential policy is our best and final sprint means, I hope you all grasp it, don't waste it." If you feel that overtime is very hard, then I can guarantee that the achievements you have created now will be rewarded to your satisfaction at the summary meeting of the good start. ”

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Fang Xiachu sat at the counter with a sad face, as Master Zhou said, except for the four big banks, the counters of other banks can almost be said to be crowded, Fang Xiachu sat all morning, only made two stalls, not to mention, not even a pure provident fund.

She looked around and saw that several other smaller bank tellers were secretly playing with their phones underneath.

Fang Xia Chu had nothing to do, so she could only take out a bunch of notes she had made before to review, and she was bored when suddenly an older couple walked up to her counter.

"Little girl, are you open?" Madame was the first to ask.

Fang Xiachu only felt that the two were very familiar, and he still didn't remember after thinking about it for a long time.

Mr. took out a DW bank card and reminded: "We came to ask half a month ago, you said that you were still studying, and also told us what materials we should bring, I said I have your bank's salary card, can you help us make a loan...... Remember? ”

Fang Xiachu's mouth was half open, and she let out an excited "ah" after a while.

Madame looked at her with a smile and said, "We came to you today to apply for a loan." ”

When Chen Zhu received Fang Xiachu's call, she was obviously a little surprised, and she asked again uncertainly: "Fang Xiachu?" ”

"Yes, yes, Mr. Chen!" Fang Xiachu's tone was a little excited, "I want to ask you a question, is it okay?" ”

Chen Zhu raised his eyebrows and said lightly: "Ask." ”

Fang Xiachu organized the language, and it could be seen that she was very nervous: "I have a customer here, and the provident fund can be loaned 700,000 yuan for 20 years; If you want to borrow 1 million for a commercial loan, it will also be 20 years. Excuse me, is there a discount? ”

"Portfolio loans?" Chen Zhu reacted, "Have you made a portfolio loan?" ”

Fang Xia Chu said firmly: "Yes! ”

"......" Chen Zhu didn't expect Fang Xia Chu to receive a portfolio loan so soon, this girl always likes to bring frightens and surprises.

Fang Xiachu urged a little anxiously: "Mr. Chen? ”

Chen Zhu calmed down, she thought for a while, and her tone became serious: "For the amount of 1 million, the interest rate can be reduced by 10%, and you tell the customer that we give a nine-percent discount, but there is a problem." ”

Fang Xiachu's excited emotions were suppressed by Chen Zhu's "but" again.

"What's the problem?" She asked cautiously.

Chen Zhu: "The entry of the commercial loan part is in our own background of CCAS, and you have to come over after work to learn how to enter it. You also need to write a proposal for the application of interest rate reduction, and the template is from Master Huang, so you have to learn how to write it yourself. If you don't think that's a problem, then you move on; But if you feel that you can't do it, I won't force you, the decision is up to you. ”

Fang Xiachu: "......"

Chen Zhu whispered gently: "If you decide to do it, you can fill out the contact form and let the customer bring it to the bank to get a stamp, and I will wait for you." ”

After the call, Chen Zhu would look in the direction of the door almost every hour to see if there were any customers with the contact form to stamp, but the results were very disappointing.

At lunchtime, even Huang Jasmine saw her absent-mindedness, and couldn't help asking, "What's wrong?" ”

Chen Zhu shook her head, she couldn't help but ask tentatively, "Has Fang Xia Chu looked for you?" ”

"Nope." Huang Jasmine's tone was casual, "What? Do you still hold out hope that the eldest lady will work hard? ”

Chen Zhu glanced at the other party disapprovingly: "She is a good child." ”

"You're half right." Huang Jasmine said harshly, "She is indeed still a child. ”

Chen Zhu didn't bother to argue with her anymore, and held his chopsticks in an awkward posture to pick the gill cover on the fish's head. Huang Jasmine watched it for a while, she couldn't bear it anymore, so she helped her pick it out herself.

Huang Jasmine sighed: "I sometimes feel like your old mother. ”

Chen Zhu consumed the fish head and said sincerely: "I think so too." ”

Jasmine Huang: "......"

In the afternoon, the loan amount was finally handled one after another, and the account manager headed by Huang Jasmine almost shuttled next to the loan accounting on the second floor and the printer on the third floor, dozens of loans had to be released before the accountant rolled the account at 6 o'clock, and Huang Jasmine finally couldn't bear to complain directly to Chen Zhu.

"How many times a day, but they don't release the money until the end, they think it's fun to toss us?!"

Chen Zhudu personally went into battle to help sandwich the stamped handling page and the loan IOU together: "According to past experience, if we hadn't started urging from the morning, we wouldn't have been able to release the money today." The risk of a one-day interest rate change if you drag it out for a day, think of that terrible workload. ”

Huang Jasmine said hatefully: "I don't want to, I choose a dog leash." ”

Chen Zhu smiled, she quickly clamped the remaining materials in her hand, and went out with Huang Jasmine, and when she was halfway there, she saw Fang Xiachu holding a stack of folders with a considerable number of folders, sweating profusely.

When Fang Xiachu saw Chen Zhu, her eyes lit up suddenly, and she quickly pulled out a contact form, on which 1 million yuan was written, and Fang Xiachu's signature was almost indistinguishable.

"Mr. Chen!" Fang Xiachu smiled brightly, "Stamp!" ”

"I don't think it's a very good experience to let customers run a kilometer just to come over and get a stamp and then go back." Fang Xiachu tried to explain, "So I confirmed with the guarantee company, and they agreed that I would bring it back for stamping on the same day and make up for it the next day." ”

Huang Jasmine sat in front of the computer desk, she stared at the girl's sweaty forehead, took out a tissue and handed it over: "Wipe it, do you want to drink water?" ”

Fang Xiachu nodded, and Huang Jasmine got up in person and went to the water dispenser to fetch her a glass of water.

"Thank you......" Fang Xiachu said muttered as he drank.

Huang Jasmine's tone unconsciously became gentle: "Drink slowly, be careful not to choke." ”

Fang Xiachu was in a hurry to finish drinking, and then continued: "I want to learn, what is that......"

"Background entry and proposal for CCAS?" Jasmine Huang spoke for her.

Fang Xiachu hurriedly nodded frequently, and then was a little embarrassed: "I'm delaying you from work." ”

Huang Jasmine laughed: "I have to work overtime anyway, it doesn't matter." ”

Fang Xiachu blinked: "Master Huang, do you work overtime every day?" ”

"Almost." Huang Jasmine opened the background of CCAS and motioned for Fang Xia Chu to come closer, "This red website is the background of CCAS, you can record this URL later, so that you can also open and operate on the provident fund." ”

Fang Xiachu hurriedly took out a notebook and quickly recorded it.

Huang Jasmine continued: "Each account manager has his own background account and password, and Mr. Chen has already helped you apply for it, and you will have it later." ”

"I'll have it too?!" Fang Xiachu was a little surprised, "But I'm a temporary worker." ”

Huang Jasmine: "This is linked to performance, it doesn't matter if it's temporary or not, your performance is yours, and Mr. Chen will not allow any situation that eats performance." ”

"That's ......" Fang Xiachu wanted to speak and stopped, "Mr. Chen, she ......"

Huang Jasmine said lightly: "Don't look at her as a bad look, she feels stern and rigid, rigid and pedantic, in fact, she is a very good leader, responsible, and attaches importance to her subordinates." She admires you very much, and told me early on that if you come to ask me, let me teach you well. ”

Fang Xiachu didn't expect that she would have such a high score in Chen Zhu's heart, and she didn't complain about Chen Zhu behind her back, although she couldn't help but snicker when she was praised occasionally, feeling that she had fought for a breath, which made Chen Zhu look down on her, and she didn't dare to despise herself casually, but this was the first time she learned from others that Chen Zhu had never looked down on her as she thought.

"You'll understand after a long time together." Huang Jasmine looked at Fang Xia Chu and said, "If the workplace is like a battlefield, Mr. Chen is our solid backing, with her, everything you charge into battle is worth it." ”

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When Jasmine Huang finally raised her head from the computer, the wall clock on the wall had already passed 11 o'clock. She stretched her arms behind her head and began to slowly clean up.

Chen Zhu's office light was still on, and the people inside were reluctant to raise their eyes when they heard the movement.

"Going back?" Chen Zhu rubbed his sore eyebrows, "How did Fang Xia learn?" ”

Huang Jasmine spread her hands: "She is really very smart and has a strong learning ability." ”

Chen Zhu smiled knowingly: "I said don't underestimate her, she is a good child." ”

Huang Jasmine said "um", but it was rare that she did not refute it, and obediently agreed.

Chen Zhu looked at the remaining materials in front of her, and untied her hair a little tiredly, she grabbed her hair and sighed: "Forget it, I will definitely not be able to finish reading it today." ”

"No one has to read it today." Huang Jasmine helped her clean up the materials on the table and put them neatly in categories, "Let's go." ”

Chen Zhu turned off the lights and got off the elevator with Huang Jasmine, neither of them had the strength to chat, so they punched the cards back and forth, and went to pick up the car separately.

When Chen Zhu drove the car out of the basement, she found that the doors of the bank's compound were closed, so she had no choice but to park the car aside, simply turn off the fire and wait for the security guard on duty to open the door.

Just as he was leaning his head back against the driver's seat and closing his eyes, the window was suddenly knocked on a few times.

Chen Zhu opened his eyes, lowered the window, and saw Huang Jasmine holding two candies in her hand.

"Eat." Jasmine Huang handed her a strawberry-flavored one, "Add some sugar." ”

Chen Zhu peeled off the wrapper and put it in her mouth, and the sweet smell of strawberries instantly spread in her mouth: "Where did you get it?" She asked.

Huang Jasmine leaned on her car, with sugar in her mouth, looked up at the night sky, and said after a while: "That little girl gave it to Fang Xiachu." ”

Chen Zhu was stunned, then chuckled and said "Hmm", relaxed his body and leaned on the back of the chair.

"Sugar is so sweet......"

"yes."

CCAS: Bank of China's online approval system for retail loans, a business platform for credit or card department review and approval, which can determine everything from the repayment date to the limit, including card rejection.