While lamenting that he was so miserable, he still had to worry about everything no matter what, but the cold wind didn't dare to be a little sloppy.

After all, the business of this loan is related to the survival of Ukrainian banks, and it is absolutely not to be taken lightly.

Therefore, after thinking for a moment, Leng Feng said.

"In this way, in addition to the lending group, set up a special asset appraisal team, as for the members, let's first transfer some of the outstanding ones from the business class of the comprehensive college!"

This asset appraisal team is the key to whether the loan can be recovered in the future, so Leng Feng is not at ease to hand over to outsiders who do not know the details, and after thinking about it, he can only transfer manpower from the business class.

Fortunately, although the students in the business class have not yet graduated, they also have a certain foundation, and they can regard this work as a rare extracurricular practice.

Even Leng Feng has already made up his mind at this time, if it performs well, once it graduates, then it will be directly absorbed into the Ukrainian banking system.

However, it is obvious that these students alone want to take on all the asset appraisal work.

Therefore, after thinking about it again, Leng Feng continued.

"In addition to the asset appraisal team, we can actually hire some professionals, such as some well-known jewelers in the province, or some experienced craftsmen, as long as we need them, we can organize them to evaluate the mortgage of the lender, and we will pay these experts a certain amount!"

"Of course, in order to avoid these experts from colluding with lenders to blackmail funds, we can also set up a special expert database, register the information of these experts according to their specialty, and select some of them by lottery if necessary!"

"But what if the lenders still can't accept it?"

Krell couldn't help but mutter.

You must know that he has encountered many situations at the beginning, when he wanted to lower the assessment amount, those loan applicants were either angry and wanted to fight with him, or they would be pitiful and make a miserable appearance, hugging their thighs is a pleading.

Even now, Krell doesn't want to think about what happened to him again!

"I said Krel!"

Now the cold wind can be said to be really speechless!, so I couldn't help but sigh deeply before continuing.

"Although our bank is a financial services industry, in the final analysis, it is actually a kind of business, and you are actually businessmen strictly speaking!"

"As a businessman, it is necessary to show patience and humility to those depositors who are like food and clothing, after all, only if they willingly deposit their gold coins in the bank, we have reserves and can lend money!"

"But make no mistake about it, those borrowers aren't among our parents, after all, they're begging for a loan from us!"

This remark is not bragging, not to mention that today's Ukrainian banks have huge reserves in their hands, and they can carry out a huge amount of lending business, and the interest rate of their loans is much less than those private loans, so Leng Feng is not worried that his money will not be released at all.

"It is undeniable that not all lenders are deliberately trying to extort our money, but there must be a considerable number of them who want to fight for as much loan amount as possible!

"However, as bankers, we need to minimize this possibility, and we also need to identify those who are trying to blackmail and firmly reject them, and at this time, we need to be humble and reasonable!"

"As for the series of tactics used by those lenders to obtain more loans, it is certainly a bit outrageous, but I am here to criticize you, Krel, to say that you are a businessman, and you have seen a lot of similar methods, right?

That's right!

Krel's eyes couldn't help but show an expression of sudden realization.

You must know that I have seen a lot of similar methods at the beginning, why did I become uncomfortable at this time alone?

Seeing Krel's expression, Leng Feng couldn't help but sigh again.

At the end of the day, it's all a mindset!

After all, this bank is still a new thing in today's Ukrainian provinces, and both Lian Qingyuan and Krell almost subconsciously think that this bank's behavior must be different from other industries, so that when they encounter something, they can't help but tie their hands and feet.

Moreover, the two are also accustomed to handing over many big and small affairs to themselves, thus developing a subconscious inertia, which is clearly one of the reasons.

It seems that it is almost time for them to let go, otherwise they will always be habitually dependent on themselves, so how can it be?

I thought so in my heart, but Leng Feng continued to say in his mouth.

"Although this banking industry is still a new thing, as a kind of business, many things from other industries are also applicable here!"

"The reason why I chose the two of you as the leaders of the bank in the first place is that both me and the Marquis are ready to make you make mistakes!"

"Of course, with the gradual improvement of the bank's various rules and regulations, as long as you strictly follow the process, then even if there is a little mistake, we can fully afford it. ”

"All in all, just let go of your heart and stride forward, whether it is me or the Marquis, we will be your strong backing!"

Speaking of this, seeing that the two people in front of him had fallen into a faint contemplation, Leng Feng couldn't help but add another sentence.

"Actually, don't look at how sufficient the bank's reserves are today, but that doesn't really belong to us, in addition to the financing of the shareholders at the beginning, the most important thing is the depositors' deposits!"

"Only when we talk about borrowing this money and successfully collecting the principal and interest, then it is really our own money, and the interest is the capital that the bank can prosper!"

"Yes, sir (big brother), we get it!"

Seeing the two of them saluting in a burst of shame and replying, Leng Feng couldn't help but nod again.

"Okay! Except for the next matters of handling personal accounts for the Governor's Palace and the Praetorian Guard, as well as acquiring the manufacturer of the Magic Crystal Card, you should put all your remaining thoughts on these loan applications during this time! As for the business class students who are your helpers, they will be selected and sent directly in the afternoon!"

"My request is very simple, you must carefully review every loan application, regardless of the amount of the loan, you must be strict!

Speaking of this, Leng Feng's face couldn't help but show a hint of a wicked smile.

"Although I don't like treacherous people very much, but as the so-called no business is not treacherous, as long as we are doing business, we need to move our hearts, and it is not okay to be too honest!"

"You know, we've lowered the interest on the loan a lot, so it's not a big deal to lower the amount a little bit when we evaluate it, right?"

"But you don't see the faces of those lenders, it's really ......"

Krell couldn't help but say with some difficulty.

I said that this guy is usually very capable, and his mind is also clever, why can't his brain turn at this time?

While slandering in his heart, the cold wind couldn't help but sink his face.

"If those people are unreasonable again, then you don't need to talk nonsense with them anymore, just press the application form for a few days like now!"

"I think they'll be more than willing to come and cooperate with you after they've experienced the ruin of their homes being forced by those loan sharks!"

Speaking of this, the cold wind couldn't help but wave his hand.

"That's it, reduce the amount by 20 percent on the basis of the original asset appraisal, and if those borrowers have any objections, let them go to loan sharks to borrow money!"

Seeing that the cold wind almost undoubtedly set the tone, whether it was Lian Qingrui or Krell, they could only nod their heads and say yes.

However, the two of them looked at each other secretly for a while, but they muttered in their hearts.

Sure enough, there is no business and no treachery!

In fact, it is not original for Leng Feng to do this, but it is what those usurers have long played with.

He knew that it was very common for those inhuman loan sharks to even directly reduce the borrower's assets by 50%, and the cold wind was merciful in comparison!

Speaking of this, Leng Feng's brain couldn't help but have a flash of inspiration, and he hurriedly said again.

"By the way, at the same time as the loan, you must strictly screen the information of the borrower, especially to check his personal credit, that is, whether you can repay the loan in full at the agreed time, and you can also set up a personal information file for it in the bank, if there is a situation of not paying on time, then you must register on the credit file, as a punishment, the next loan will be directly rejected!"