Didn't he know what it meant to be the head of the credit unit before he was thirty?

Long Gu Chang coughed a little comfortably, took a sip of tea, leaned forward slightly, and continued to look at the young man, his eyes were dark, his shoulders were shrunk and his back was hooked, he didn't look energetic, and he lacked the vitality of a young man. Pen & Fun & Pavilion www.biquge.info there are no ornaments on the whole body, no rings, no necklaces, it looks very clean and dedicated, but I don't even wear a watch, and the clothes are very ordinary. Often, this indicates that his financial situation is ordinary.

This is critical.

With the level of Chief Long, as well as his daily persistence in studying, he has long understood that bank loans are different from loans between acquaintances. As a for-profit institution, it is impossible for banks to lend money to people who are struggling to recover their principal and interest to help them tide over the storm. ---- for the sake of its own image, of course, this situation cannot be said explicitly, nor absolutely.

But the people who have the most urgent need for money, those who have the most difficult lives, do not get loans, and the less urgent or rich people in the popular sense can easily get large loans, although this is a cruel situation, but it is indeed a reality.

The possibility of this young man succeeding in taking out a loan has been largely cut off. Chief Long came to a conclusion, he watched the young man turn the trifold to the end---- the speed was too fast, this time was just enough to drink two sips of tea, Chief Long frowned again---- and looked at it in turn, the back was a promotional picture and slogan, there was no specific content.

The young man raised his head: "There is no mention of the loan business I am looking for." ”

The young man seemed to come prepared, which surprised the dragon chief, and he changed his impression of the young man slightly.

"I'm sorry, this is the latest information, there is only a part of the loan business introduction above, it is not complete, just most of the common business types."

"Do you have any other business information?"

"Of course, there are many more, but what kind of help do you need?" Although Chief Long felt that the possibility of the success of the loan for the young people on the other side was very small, he did not slack off because of this.

Now, unlike in previous years, grass-roots banks are gradually integrating with the international community and basically operating in the manner of commercial institutions. ---- complaint number is printed just below the nameplate.

"I want to handle the 'college student entrepreneurship loan' business."

Chief Long's heart moved, and his body sat up a little straighter, but his face did not show anything, and he still said slowly, "College student entrepreneurship loans, so do you want to handle the loan business for enterprises or individual entrepreneurs?" ”

"I want to handle the individual." The young man folded the finished material, flipped it between his hands, and then turned it around, and the dragon chief remembered that he had read a book on psychology, which was an unconscious movement of the body after concentrating.

"There are changes in policies and various terms and conditions in this area of business every year, and there is no separate information for the time being." The dragon chief twisted slightly and said.

He wasn't lying, he was just saying two things that had no causal relationship. If there is a misunderstanding because of this, it is not his fault. ---- bundle of materials sent from the provincial branch two months ago in the drawer under the desk, it has not been opened yet.

"Oh......"

In Chief Long's opinion, the young man opposite seemed to have decided that there should be a piece of information, and after hearing the negative answer, he seemed to be a little surprised. The young man stopped turning the fold in his hand, tilted his head and frowned, as if an invisible person was talking to him, and after a while he continued to ask, "What information do you need to handle this kind of loan business, and what kind of process is it?" ”

Chief Long finally waited for the question he wanted to hear. He breathed a sigh of relief and let go of the faint uneasiness in his heart, the information items specially sent by his superiors were clear and explained, which could make it easy for those who saw it to understand the business.

The reality is that most of the grassroots banks are reluctant to start such businesses as loans for college students, but this attitude cannot be clearly stated, because after all, this is a policy-based loan policy decided by the highest administrative body in China.

This embarrassing situation is mainly due to the high risk of such loans. While pursuing the profitability and liquidity of funds, banks should also consider their safety. Compared with other loans, loans for college graduates to start their own businesses are risky. Banks generally do not take out loans easily if they have just graduated from college, lack social work experience, and do not have suitable collateral or guarantees.

Even if college students have the right program on hand, it's just an isolated phenomenon. As a business, the cost of the bank's investment in issuing such loans is not proportional to the income. ---- a large number of more mature projects are queuing for loans due to lack of funding.

What's more, in private, no one is happy to be dragged down by such a high-risk, low-return project, and the existence of the information concealed by the head of the dragon is also because of this.

Of course, not showing the information does not mean that we will not provide consultation.

Mr. Long is always very warm and sincere to customers, and his business ability is also quite skilled.

At least on the surface.

"There are a lot of materials needed, such as relevant documents, recommendation letters, project application forms, academic certificates, ......" Chief Long said in detail at the moment, the more detailed he said, the easier it is to make the consultant feel complicated, and he can't find his head---- so he gives up.

"And what about the specific loan process?" But the young man seemed to listen more and more earnestly, nodding his head again and again, as if he had memorized it after listening to it once.

During the conversation, time passed quietly, and the young people were consulting on various details such as relevant documents, recommendation forms, project application forms, relevant national policies, loan procedures, processes, etc.

Young people ask very specifically, back and forth, meticulously, and many of the questions are to the point, hitting the joints.

The unsuccessful Captain of the Dragon was surprised to find that in the process of asking questions, the young man would inadvertently repeat the questions he had asked a long time ago, as if he was comparing the answers that the Captain had provided before.

It looked as if you could remember what he had said after listening to it.

Of course it can't be! Chief Long was alert, this situation made him gradually suspicious, he guessed the true identity of the guy opposite, looking at the age, this guy shouldn't look like a shrewd person who would come to take out a loan after careful research, could it be an inspector sent down by his superiors?

After the angle of thinking changed, Chief Long's eyes also changed: the carelessness and shyness of the young man when he entered the door turned into confidence, impoliteness and unenthusiasm became dependence, ordinary clothes were not decorated to disguise his identity, and the young man's foreign accent provided strong proof for Chief Long's speculation.

In addition, this guy is very serious about flipping through the trifold, but the speed is very fast, is this not sure that he has already read the information?