Chapter 4871

The problem is that there are too few reliable loan applications. Liu Ling cannot complete the loan task stipulated by Shengqing Branch of Gongshang Bank, but he cannot lend money randomly to complete the task.

Liu Ling's work is indeed quite unsuccessful because he has to complete the corresponding loan task and strictly review the loan qualifications.

As Liu Ling narrated, An Liang understood Liu Ling's dilemma.

Under normal circumstances, this dilemma is quite difficult to solve.

After all, there is a capital cost to obtain a loan from a bank. If the funds borrowed from the bank cannot cover the loan interest rate, it is easy to have the risk of bad debts due to failure to repay the loan.

But this problem is a small problem for An Liang.

An Liang has the ability to make money!

Although An Liang is not Batman, nor an orphan, An Liang and Batman have the same superpowers.

The problem Liu Ling encountered is indeed a small problem under the ability to make money for An Liang.

"What is the current loan interest rate of your Beiyu branch?" An Liang asked.

Liu Ling was slightly stunned, but she did not refuse An Liang's help. Instead, she answered An Liang's question, "The current loan interest rate is the same as our previous cooperation."

Liu Ling's personality is more mature. She is not pretending to be reserved. If An Liang wants to help her, she will certainly accept it without hesitation.

Does it have to be forced to die and suffer for the sake of face?

That is something that only idiots who have not been beaten by society can do.

Liu Ling added, "The one-year loan interest rate is between 3.4% and 3.6%, and the specific interest rate depends on the specific negotiation."

This flexible loan interest rate, of course, requires specific negotiation, and this loan interest rate is a preferential interest rate for An Liang.

"For loans over 12 months and under 36 months, the interest rate is between 3.8% and 4.0%; for loans over 36 months and under 60 months, the interest rate is between 3.95% and 4.5%." Liu Ling explained the corresponding loan interest rates in detail.

As for the interest rate for loans over 60 months?

That needs to be discussed in detail!

An Liang asked casually, "What is your KPI?"

Liu Ling sighed, "Quite a lot. After being promoted to vice president, I was directly tasked with lending 10 billion this year, and the bad debt rate cannot exceed 1.5%, otherwise I will be held accountable."

"How much has been lent out so far?" An Liang asked curiously.

"Not much." Liu Ling answered truthfully, "Even with the help of AXA and the support of your supply chain, less than one-third has been lent out so far."

"Under the current environment, a large number of companies have no expansion needs, and naturally no capital needs, so the lending task is proceeding relatively slowly." Liu Ling added.

This progress is indeed a bit slow!

It is already mid-June, more than half of 2021 has passed, but Liu Ling has only completed less than three months of the loan task.One-third, and more importantly, even so, there is still support from Ansheng Construction and Ansheng Construction's supply chain.

I have to say, this progress is really too slow, right?

But Anliang can understand.

As Liu Ling said, one of the reasons is that the current environment is indeed not very good. The relationship between Xiaguo and Bald Eagle is deteriorating, and the global integrated trade environment is also collapsing.

In addition, the supply side is becoming more and more abundant, and the demand side continues to be weak, which affects the upstream enterprises' unwillingness to expand production scale.

Secondly, Liu Ling has been in office for too short a time, and has not accumulated enough fixed customers, nor has he relevant background, so it is indeed difficult to lend money.

An Liang thought for a while before adding, "If there is no external force, how many loans can you lend out in the remaining half of the year?"

An Liang added, "Safe lending."

Liu Ling thought silently for a while before responding, "If there is no external help, I can lend out a maximum of 2 billion safe loans."

"I don't want to lend some risky loans because the risk level is too high and it's too troublesome to control them." Liu Ling added.

Risk is indeed the biggest problem.

Some guys go to banks for loans just to cheat money!

As the saying goes: the one who owes money is the boss.

If you owe the bank 10,000 yuan and don’t pay it back, the bank will take legal action to educate you; (To read the exciting novels, go to Fulu Novel Network!)

If you owe the bank 1 million yuan and don’t pay it back, the bank will still take legal action to educate you;

If you owe the bank 100 million yuan and don’t pay it back, the bank will care about you and ask if you have any difficulties that need to be solved;

If you owe the bank 1 billion yuan and still don’t pay it back, the bank will ask you about your well-being, fearing that you will commit suicide by accident, and will care about you more than your own parents!

Liu Ling originally worked at the Beiyu Branch of Gongshang Bank. She used to do the lending business, so she was naturally very familiar with these intricacies. Therefore, after becoming the vice president in charge of the loan business, Liu Ling would rather fail to complete the KPI task than to issue loans indiscriminately.

If you fail to complete the KPI task, at most you will be criticized, and the more serious one is dismissal. []

But if you lend money recklessly just to meet your KPI, you may even be investigated for corruption and sent to jail.

So how should you choose? Liu Ling is still confused. .