Chapter 4872
It is actually quite difficult for Liu Ling to complete the KPI of the lending task independently.
Originally, Liu Ling thought that if she could not complete the task KPI, then she could not complete it, and at most she would be dismissed.
But now An Liang asked and showed his attitude of helping her, Liu Ling had new hope.
An Liang silently calculated the difference of Liu Ling's lending task KPI in his mind. At present, almost 3 billion has been lent out, and she can solve 2 billion by herself, so there is a gap of 5 billion?
An Liang calculated the difference gap, and then silently increased the redundancy of this gap, so as to avoid Liu "erjiusan" Ling's inability to complete the task of 2 billion by herself.
Then estimate a quota of 6 billion and let the cold chain transportation project undertake this loan task. An Liang has made a decision.
Shengqing is the leading central city in the southwest of Xia State, and it is a directly governed city. In addition, Shengqing has a permanent population of more than 30 million, so An Liang originally planned to build a large frozen warehouse in Shengqing and expand the cold chain transportation fleet.
The investment budget for the cold chain transportation project is very large. According to the cost of 80 million Xia State Yuan per 10,000 tons of frozen warehouse, it will take a lot of money to build three super large warehouses in Shengqing.
In addition, it is necessary to invest in a cold chain transportation fleet, which also requires a lot of money.
It is not a big problem to digest the 6 billion loan quota through the cold chain transportation project, and it may not even be enough.
An Liang thought about it in his heart and said to Liu Ling, "Regarding the loan, we have a project here that requires a loan of about 6 billion, but we need to discuss the loan interest rate."
When Liu Ling heard An Liang throw out a 6 billion loan project, how could she not understand that this was An Liang helping her!
"How many years do you want to borrow?" Liu Ling asked back.
The loan term is actually not important. Anliang can accept it whether it is one year, three years, or five years.
Anyway, the cold chain transportation project will make money!
The cold chain transportation project is a project that benefits the country and the people. Its original intention is to reduce the losses in the transportation link, especially the transportation losses of fruits and vegetables.
In addition, once the cold chain transportation project is completed, it will greatly hit the middleman link. After all, it connects the upstream source and the consumer terminal. In this way, it can increase the income of the upstream source and reduce the terminal price.
As for the losses of the middlemen?
This group of people has made money for too long and has made the most money. Their interests are not within Anliang's consideration.
"We don't have too many requirements for the loan term. It depends on your needs." Anliang responded.
Liu Ling looked at Anliang silently, and her heart was full of emotion.
How could she not be touched when Anliang gave her such a high-quality project?
If other people in the bankThe loan officer gets such a project, and the other party is willing to pay any price!
"Within my authority, I can give you a three-year loan, but the loan interest rate is calculated according to the lowest one-year interest rate." Liu Ling directly gave the trump card.
Liu Ling introduced to An Liang before that the current loan interest rate implemented by Gongshang Bank is 3.4% to 3.6% within one year; 3.8% to 4.0% within three years.
Liu Ling meant that she could give a maximum loan period of 36 months, but the loan interest rate implemented was 3.4%, which is indeed a very good offer...
According to the preferential loan interest rate proposed by Liu Ling, the maximum interest difference can even reach 108 million Xia Guoyuan.
An Liang smiled and replied, "No problem."
"Ah?" Liu Ling was slightly stunned.
An Liang asked, "What's the problem?"
Liu Ling said hesitantly, "This is just the best condition within my authority. If I report it, according to your good credit of Ansheng, as long as I try harder, there should be better conditions." (To read the novel of Bao Shuang, go to Feilu Novel Network!)
An Liang shook his head slightly, "It's not necessary. After all, if you continue to squeeze the loan interest rate, your performance bonus will be less, right?"
Liu Ling was silent. This was naturally true.
An Liang asked casually, "How much is the performance bonus for this loan business?"
This question is obviously a professional secret, but Liu Ling did not mean to hide it.
"I can get 3% of the net profit of the loan, averaged according to the loan period, and bear the risk of accountability." Liu Ling explained.
Liu Ling added, "The interest rate for your loan this time is 3.4%, and the loan is for three years. The three-year fixed deposit interest rate of our bank is 2.95%, so the net profit of this loan is only 0.45%."
The bank's funds naturally have usage costs, and the corresponding cost is the interest of depositors.
However, for banks, this interest is not just 2.95%.
Because not all depositors have a three-year fixed deposit, there are also a large number of current deposits and fixed deposits of less than three years.
It's just that in the loan task, in order to better calculate the cost and verify the performance of the loan personnel, the cost in the loan task is fixed to the bank's fixed deposit interest for the same period. . []
