Chu Xi hurried back to the unit and went straight to the personal department office on the second floor, Xu Yanlu was already waiting at the elevator door, and grabbed her arm and asked as soon as she saw someone. "Have you ever taken a personal consumption loan named Cai Junqiang?"

Several years have passed, Chu Xi thought for a while and responded, "I did it." ”

Two years ago, not long after Chu Xi joined the company, it was the hottest season of the year, Cai Junqiang went to the hall to consult about loans, saying that a certain leader introduced him to find an account manager surnamed Xu, and was bumped into by Chu Xi.

I can also make it clear on the phone while complaining about the loan consultation, and I still have a special trip in the summer, isn't it too hot? However, Chu Xi still politely took him to the second floor, and the personal department said that Xu Yanlu's surname was Xu, and she was right.

No one was found in the office, and no one answered the phone. Chu Xi explained the situation to the customer again, asked for his opinion, and could tell her the general situation and needs to convey it on his behalf, and then contact him after Manager Xu came back to make an appointment, or call directly later.

Cai Junqiang replied, telling her the same, and sat face to face and drank a cup of tea.

Out of politeness, Chu Xi didn't look at the other party for a long time, but her professional habits dictated it, she glanced at it roughly, subconsciously pursed her mouth, and silently concluded: Around fifty years old, her hair has turned a lot gray, and she doesn't seem to be resting well and haggard; Well-dressed, it is a niche men's clothing brand, the price is slightly higher but not unacceptable, she often buys this brand of clothes for her father, so she recognizes it at a glance; Both the watch and the pouch are classic styles from many years ago.

During the chat, Chu Xi extracted some information: Cai Junqiang was forty-nine years old at the time, and he guessed this, a civil servant; His wife, Yang Meihua, works in a state-owned bank, and both have certain positions, and her income is quite considerable. Both parents are still alive and well, and they have only one daughter, 22 years old, who is applying to study in the UK for postgraduate studies.

The husband and wife each have a car, a commercial house in their own name, and a house in their daughter that they bought four years ago with a mortgage for 30 years. Since the daughter is not financially independent, they have always been repaying as a co-repayer.

I moved into a new house two years ago, and the old house is in a very good location near a key high school, and it is currently rented out to the families of day students attending this school for a lot of rent.

When asked about the other liabilities under their names, Cai Junqiang only said that he couldn't remember it clearly, and vaguely said: "There are probably one or two consumer loans like your bank, and the amount should be two or three hundred thousand." ”

This loan requires 300,000 yuan, and his explanation is that his daughter needs a few months of fixed deposit certificate to go abroad for a visa, and most of their cash is trapped in the stock market, and the closed-end wealth management they purchased has not yet expired.

Chu Xi left his and Xu Yanlu's contact information respectively, and informed him of the materials needed for the loan.

Xu Yanlu nodded, "Yes, I know this situation, so I was not temporarily arranged to study and train." ”

The result of the discussion between the two of them was that since Cai Junqiang's loan was Chu Xi's intervention first, let her do it, and repay her own loan next time. It is not uncommon for this kind of business to be borrowed and repaid among account managers, and of course, Xu Yanlu is not short of such a loan.

Chu Xi has always had the habit of recording customer situations since she worked, and after contacting Cai Junqiang, she wrote in her notebook:

1. Preliminary judgment that the customer meets the access conditions;

2. Have a stable job and a regular source of income;

3. The customer does not have high requirements for interest rates and has collateral;

4. The use is suspected to be him, and it needs to be understood in depth.

Chu Xi wrote and scratched on the scratch paper, trying to sort out his thoughts clearly. She has not been in contact with the loan business for a long time, and she does not know much about the doorway, and the most simple and intuitive way is to look at the customer's asset-liability ratio, source of funds and whereabouts.

The next morning, Cai Junqiang and his wife came to the bank to find Chu Xi, and the loan was officially accepted. She slandered, and it seems that funds are still quite tight. Her instinct told her that the purpose of the loan was definitely not what he said, but what it would be, she couldn't think of for the time being.