Someone who responded quickly even thought of one thing: CITIC Industrial Bank and Industrial Bank came so quickly, was it because Chen Geng notified them?

Thinking of this, everyone's dissatisfaction became a little complicated.

Chen Geng didn't react any way, just nodded: "The news about President Ma and President Li is quite well-versed... Well, please come in."

He didn't go out to greet him, but no one present felt that there was anything wrong with it.

………………………………………

President Ma and President Li, who were stroking in, seemed not to see the other bank presidents present, shook hands with a smile on their faces: "Mr. Chen, I heard that Runhua Industrial will make a big move next, so we will come uninvited. I'm so embarrassed."

"You two are kind," Chen Geng certainly wouldn't be stupid and didn't know how to be a human being. He smiled and said, "The two presidents can come because they are strongly supportive of our work. I can't even ask for it. Please sit down, Xiao Li, and help the two presidents make tea."

President Ma and President Li then greeted the presidents present one by one. After a round of greetings, President Ma took the lead and asked: "Mr. Chen, we don't know much about the situation. We only know that Runhua Industrial seems to be preparing to carry out car loan business. But what exactly is Runhua Industrial going to do? Can you introduce your ideas to us?"

Chen Geng nodded, glanced around everyone, and then said: "It just so happened that I was about to say this. I had two initial ideas. One was to refer to the more common car loan model in Western countries. Runhua Industrial established a financial service company, which will connect consumers and banks. We charge a certain service fee and bank interest rate rebate..."

really!

As soon as Chen Geng finished speaking, President Xie Jinsheng of the Bank of Communications and Director Xu of the Post and Telecommunications Bureau lit up: This guy is indeed the idea of ​​making interest rate rebates.

Think about it, even if you can only get a 10% rebate, it will have a net profit of tens of millions this year. This is not the case that Chen Geng mentioned the handling fee. Although he didn't know how the "handling fee" was collected, it would not be cheap. It is estimated that a car will cost at least hundreds or thousands of yuan, and in this way, it will have tens of millions of yuan a year. After all, it will be easy to make a net profit of hundreds of millions a year. To be honest, if you are not afraid of offending people, there are only a few companies across the country that can have a net profit of 100 million yuan a year?

President Xie and Director Xu are not afraid of Chen Geng’s rebate, but are afraid that Chen Geng will not take him to play.

As for the presidents of the four major state-owned banks, their expressions were a bit subtle: If he insisted on not giving Runhua Industrial a rebate, would Chen Geng have directed to borrow some money from himself symbolically?

Chen Geng seemed to have not seen the changes in the expressions on the faces of several bank bosses, and then said: "But everyone knows that this kind of plan has a relatively high risk, and the country does not have laws and regulations in this regard, so everyone may be a little restrained when operating it, so I have prepared a second plan for everyone. Simply put, Runhua Industrial borrows money from various banks, and everyone gives us a certain interest rate discount, and then Runhua Industrial uses the money to lend to users who are preparing to buy a car with a loan.

The biggest advantage of doing this is that the subject of the loan has changed. It does not count whether the users will default in the future. The borrowers faced by banks are Runhua Industrial. One is that you don’t have to worry about not being able to collect the money you borrowed. The other is that you also lack a lot of reception troubles.”

Um?

Can I still operate like this?

As soon as Chen Geng finished speaking, the eyes of the bosses of the four major state-owned banks lit up.

As Chen Geng said, if you learn how to borrow money from Western auto finance, banks have a lot of work to do. The first and most basic point is to review and actually verify the applicant's qualifications, and also consider whether the loan applicant will have a risk of mid-term default in the future.

After all, although if the loan applicant stops repaying the loan in the middle, the bank can theoretically take back the car and auction it to ensure the bank's interests, the problem is that doing so actually has great risks. One of the things is that the bank has no way to locate the position of the car, and it is also very simple to make a fake license plate. Once the loan applicant successfully applies for the loan, he disappears with the car, and the bank cannot cry even if he cries.

But if the loan applicant is replaced by Runhua Industrial, then there is no problem. Let’s not talk about Runhua Industrial’s previous credit status, and it is even not willing to borrow money at all. In terms of size, Runhua Industrial has no possibility of running away because of such a loan.

Although the premise of doing this is to discount the interest rate, unlike loans in the ordinary sense, this car loan is available every year, and may increase year by year, which means that the bank's profits will also increase year by year, not to mention that there is no need to bear any legal or political risks at all!

From this point of view, for banks, if they choose the second cooperation plan, it will be a sure profit and no loss. It can make banks lose their business and they will win whatever they say!

Shen Daqing subconsciously shouted: "I think this second way of cooperation is the most suitable."

"Yes, I feel that way."

"I think the second cooperation plan is good."

"If it is the second cooperation plan, our ICBC Bank can increase the rebate point a little more..."

…………

Everyone was moved, and even the Bank of Communications and the Post and Telecommunications Bureau were no exception in the coming year.

It’s not because of anything else that Chen Geng proposed this second cooperation plan without any risk for everyone. With this second choice, the fool went back to choose the first cooperation plan.

However, the two bosses of Industrial Bank and CITIC Industrial Bank seem a little hesitant.

"Everyone likes this second cooperation plan?" Chen Geng nodded: "Of course it's okay, but I'm talking about it, this second cooperation plan is equivalent to our Runhua Industrial taking all the risks, so everyone has to make some concessions in this rebate."

Make concessions?

Chen Geng’s request made everyone a little embarrassed: Now he has to return one-quarter of the interest rate to Runhua Industrial as a rebate, but Chen Geng is not satisfied yet?

Shen Daqing thought for a while and said, "Brother, this matter is a bit contrary to the regulations after all. This...why should we discuss it again?"

This is a hidden threat to Chen Geng: Boy, don’t be greedy. If your conditions are too high, at worst we won’t do the business of your Runhua Industrial. Everyone will break up...

a
Chapter completed!