Teacher Wei turned his head to look at Xu Xiaoai: "What kind of loan is he putting at the bottom?" ”

Xu Xiaoai hurriedly said with a smile: "This is similar to a personal consumer loan, so there are from tens to hundreds to tens of thousands, tens of thousands, tens of thousands, and millions, and the largest amount will not exceed one million." Error-free updates @"

"I see, it's probably similar to a credit card, and it's a small amount of diversification to manage his own risk, so you can show me the terms of their bank's loan."

Xu Xiaoai was already ready, she showed Teacher Wei the loan conditions one by one, and after Mr. Wei read it, he took out his mobile phone: "What is the app of this bank?" ”

Xu Xiaoai took out her mobile phone and showed Teacher Wei the icon of the app.

Mr. Wei downloaded the app directly in front of Xu Xiaoai, opened it, and sure enough, the online review was very simple, submit the ID card, and the mobile phone number can wait for the review.

"How long does it take for a general review to be paid?"

"I tried before, after applying, they will check the credit in the background, and compare with the audit standards in their system, and you can also find a lot of real-name information through the phone number, such as the provident fund, the pension and social security, which are the elements of their review, if there is no big problem, they will immediately be reviewed by the computer, and the payment will be made within 5 minutes, which is very fast, so it can be done 24 hours a day without interruption, and the amount of data generated will be so large."

Mr. Wei finally understood: "How is the use of such customer funds managed?" ”

"For this part of the review, they used to ask the customer to fill in the purpose of the funds when lending, if the loan is less than 100,000 yuan, it is actually generally used for consumption, and it can't do anything big, as long as the customer promises that he will use it for consumption, the system will automatically approve it."

"What if the customer goes to buy wealth management?"

"Anyway, it can't be seen from his account, if the customer transfers the money to other banks and then invests in the stock market or real estate, then they have no means at present, they can only pass the customer's promise, if they find that there is misappropriation in the later stage, they can immediately collect the loan."

"What is their default rate now?"

"We've checked and their default rate isn't as high as that of credit cards. Because after all, the amount of the loan is too small, most of them are about 10,000 yuan, and some people have not felt the existence of interest at all, it should be that people with normal salary income use it for consumption in advance, and when the salary is paid, they will pay back the money one after another. ”

"Then why don't you go and apply for a credit card from the bank?"

"Mr. Wei, the bank's credit card interest rate is much higher than his here, although there is a 50-day interest-free period, but if you don't repay the money later, the annualized interest rate is about 18%, and some are even higher. And like this kind of Internet bank, his loan interest rate is not so high, generally below 10%, you say that for the customer, as long as he can afford it, of course he will choose the Internet bank, and the term is longer. ”

"Going around, or is it because the leverage added to the circulation of its underlying assets is too large, we may not be able to hold it, and the account period will be extended after it is leveraged, have you asked an accounting firm to do a calculation of this piece?"

Xu Xiaoai took out the calculation table and showed it to Mr. Wei: "We have done a good job of calculating, the accounting firm has extended the period of distribution, this single business is allocated about once every six months, and its overall payment period is once every three months. ”

"Now it's definitely like this, but after the circular purchase, can its cash flow still match?"

"At present, we set it this way, as long as the cash flow of the underlying collection can be enough to allocate the priority part, then the inferior does not care how much money is returned. Because the inferior is the bank itself, and after the circular purchase of this project, the final income is given to the inferior, and the yield is considerable, and the inferior does not care about the length of time, and would rather give priority as a safety cushion. ”

Under Xu Xiaoai's crackling explanation, Mr. Wei finally felt a little relieved: "Then it seems that you still have a thorough understanding of this project."

It's not impossible to buy in cycles, and there are already a lot of them in the open market. But in the private market, investors don't know if it's acceptable, as long as it can guarantee priority returns, the project can be done. ”

"However," Mr. Wei's painting style changed, Xu Xiaoai's heart lifted, and seeing that there was about to be a dawn, don't put forward any other requirements. @*~~

"However, this piece of circular purchase, I ask you to use a special account to manage it."

"Yes, yes," Xu Xiaoai hurriedly took over: "We have asked this Internet bank to open three accounts, namely the principal account of the reserve, the interest account and the margin account. The return of principal and interest can be used as a revolving release, but the margin is used to cover the priority of returns. The three accounts are managed separately, and our business can be monitored at any time, and the transfer authority of these three accounts must be stamped with our company's seal. ”

"This is very good, you are still more thoughtful, if there is a margin can advance the priority income, then I don't think there is a big problem, but you have to explain to the company at the review meeting that you still have management of the underlying assets, if there is no management at all, the company will definitely not let you pass."

"Yes, yes, I know, I will go back and describe the measures made by the underlying assets in detail in the due diligence report, focus on the report at the meeting, and ask Mr. Wei to help us say a few kind words when the time comes."

"There is no such thing as a good word, as long as you operate this project and there will be no problems in the later stage, then everything is Amitabha."

"Teacher Wei, don't worry, if something goes wrong, our department estimates that we won't be able to get the year-end bonus."

Xu Xiaoai is telling the truth, if there is really a problem with this single business, it is not a small problem, the distribution to investors is billions of dollars, how can she afford to pay in advance...

finally passed the level of Teacher Wei, and a lot of the content in it still has to be attributed to some tips given to her by Zhou Ye.

Xu Xiaoai has been a little restless since she started treatment with Chu Yu last night, she always feels that people are very tired and tired, one is to recall the previous things, and the other is to avoid getting mixed with the current work, she feels that she has a split personality.

After a busy day, she held another line of meetings in the afternoon, and she reported their recent work performance to the president, who was still satisfied with their momentum.

At the meeting, they were only asked to control the operational risks, and the progress of the asset securitization system is also in progress, and it has entered the stage of formal bidding, all of which are being promoted normally by Lu Shanshan.

Xu Xiaoai has arranged it, and she and Ding Liang are going to go to this Internet bank again, supplement the materials needed by the central platform, and strive to attend the meeting next week.

"If this order can really be won, then our task at the end of the year will be 200 billion yuan." Su Jin took a small notebook and registered the completion of their department's performance in real time.

"Su Jin, let's see if the scale of the business in the early stage has dropped relatively quickly?" Ding Liang asked suddenly.

"It depends on the scale of establishment, we currently have nearly 65 billion, but the scale of existence is indeed decreasing, and there are only more than 40 billion left."

"That's not because it's constantly doing principal returns, as an asset securitization business, it's not due to repay the principal, but to repay it one after another, it's normal, Ding Liang, what do you care about this?"

Ding Liang's eyebrows raised: "Of course I care, think about it, even if our 1000 billion target is completed this year, will we still be given new performance indicators next year?" I don't think it's going to be any lower than this year. This year is our first year, and next year, if we still want 100 billion, the lower the scale of our existence, the less beneficial it will be for us. ”

Xu Xiaoai knocked on the table with a pen for a while: "Ding Liang, you think too much, this year's 1000 is a new addition, and next year's will definitely continue to be added on this basis." The new base will not be less than 100 billion, in fact, it has nothing to do with the scale of existence, you just need to keep running forward, and make another 100 billion, the more the scale of existence, the better, and end the previous project as soon as possible, in order to free us from cumbersome survival matters. ”

Ding Liang is this.

reacted: "Yes, Xiao Ai, is the company too ruthless to us, how can this 1000 billion be so easy to do?" ”

"Don't be discouraged, you think about the foundation of 100 billion this year, these banks must have other assets to do next year, as long as your first order is smooth, but then it will naturally come to you, you have to believe that the growth rate of banks is faster than ours, I think as long as 100 billion is completed this year, and these customers are maintained, then 120 billion next year will not be a problem."

"Shanshan, Datongtong Bank has made nearly 50 billion for us this year, and next year we will find a way to let him give us 80 billion, and also reduce some of the difficulties for us and other small banks to maintain."

Lu Shanshan blinked: "Xiao Ai, I want to too, but Zhou Ye and President Zhou have been staring at you all day long, and he wants you to come and go to connect with him." ”

Xu Xiaoai frowned: "Don't listen to other people's nonsense, your ability can already handle them, I still have to run other businesses, how can I be tied to Chase Bank all day long, they and we are a strategic cooperative relationship, no matter what, they will not give us business, you can rest assured to do it boldly." ”

Lu Shanshan and Ding Liang glanced at each other and blinked, the two knew that they had long sensed the relationship between Zhou Ye and Xu Xiaoai, and they were definitely not as high-sounding as Xu Xiaoai said.

Xu Xiaoai sighed in her heart, this Zhou Ye was indeed too obvious, and even the people around her felt it, which was really detrimental to their work and cooperation.

Picking up the mobile phone, Chu Yu's message came: "Tonight's treatment continues, we have to strike while the iron is hot, pull out all your heart knots and tumors from the bottom of your heart within these days, and come back immediately after work. ”

Xu Xiaoai's hand holding the mobile phone was a little tight, she packed her bag, the time to get off work had arrived, she didn't delay at all, and hurriedly went home.