Yang Meihua's temperament is really good, this is Chu Xi's first impression of her.

Even if he is nearly half a hundred years old, his figure is still very well-proportioned and tight, and the light makeup is delicate and decent, which makes people look very comfortable. Xu was out of the same industry, and involuntarily shortened the distance. Could you have learned anything else from her?

Chu Xi thought so in his heart, and smiled slightly: "Aunt Yang, which outlet do you work in?" ”

"The one at the intersection of Binjiang Avenue and Jiangnan Avenue."

Yang Meihua was looking through the information that Chu Xi had prepared in advance, and her hand stopped and glanced at her, "Little girl, you look about the same age as my daughter, and you just graduated, right?" ”

"Oh, I've been there, it's very close to my home." Chu Xi looked like he was bent most of the time, "Aunt Yang, I've been graduating for several years. Yesterday, I heard Uncle Cai say that your daughter is still studying. ”

"yes, you look so small." Speaking of her daughter, Yang Meihua is very proud, and naturally she has become more talkative, Cai Ziqi will be a senior next semester, and it is easy to secure a graduate school according to her grades, but she herself wants to go abroad more. learned that Chu Xi also studied at a university abroad, so he consulted a lot of information related to studying abroad in detail, and also wrote down her number. As for other aspects, there is no difference from what Cai Junqiang said.

After Cai Junqiang and his wife left, Chu Xi thought about his work notes, and when he proposed a mortgage to Yang Meihua just now, Yang Meihua's answer was that they had planned to do so before, and they had also consulted several banks, but the loan amount was pitifully low, and when they asked, they knew that they were all determined according to the price on the deed.

Of course, the amount on the deed was small when this house was bought early, but now the market value has already doubled or tripled. As soon as the two of them are combined, the amount of demand is not much anyway, and the interest rate for a year is negligible, so they are too lazy to toss. She wrote:

5. When it comes to mortgage loans, the customer is not willing to merge with other banks' consumer loans.

6. The wealth management of other banks expires within two months, and the customer is interested in the one-year fixed-rate open-ended net worth wealth management product of our bank, and can increase the marketing.

Suddenly, she patted her head, yes, it's so stupid, why did she forget to check their credit after thinking so much.

The credit report of the two is not complicated, and a few pieces of paper are gone. In addition to the mortgage applied for fifteen years ago, it was also settled early five years ago.

At present, the debt is 600,000 yuan, which is two personal consumption loans of 300,000 yuan each, which is also in line with Cai Junqiang's one or two personal consumption loans with an amount of 230,000 yuan. They have no external guarantees and have never had an overdue record. Both of them have more than a dozen credit cards, and only one or two are commonly used, and the amount is hundreds and thousands, which is negligible.

But Chuxi noticed that the two loans were just issued two months ago, and the capital needs of 900,000 yuan in just three months, are they really just for their daughter to study abroad? I had a loan enquiry record with four other banks in a month, and this is the fifth one.

She concluded as she muttered to herself: Be cautious and intervene. Consumer loans are a business variety that has been vigorously promoted by various banks recently, and the interest rates are about the same, and the amount is not large, but fortunately, it can be borrowed and repaid at any time, and how much is used.

The target customer groups are mainly civil servants, employees of public institutions, and employees of listed companies, and they can basically harvest dozens or hundreds of businesses in one unit.

The day before, Cai Junqiang mentioned the leader he introduced, and he had his phone number in his address book, and Chu Xi was hesitating to make this call. She emboldened herself and made two copies of the notes on the page of her client analysis and took them to the reed's office.

"President Lu, a customer came yesterday who wanted to apply for a loan, and it was introduced by Mr. Zhou. But I feel..."Chu Xi wanted to use some more appropriate words to describe it, while handing over his notes, "You see that this is the basic situation of the customer, I may not have analyzed it comprehensively, but I feel that he is not very reliable." If I can't do it, I haven't figured out how to explain it to Mr. Zhou..."

Lu Wei took the note, looked at Chu Xijuanxiu's handwriting, the 123456 listed on it, she thought this little girl was quite interesting, and then her eyes stayed on "Conclusion: Cautious intervention".

She smiled and said, "Okay, I got it." You go back first and wait for my news before you do it. ”