Rebirth Starts From 2006

Three days later, Zhou Na bumped up to the manager again, and said with a smile, "Manager, has the shop's mortgage application been approved?"

Manager Yu of the credit review department glanced at him, took out a folder from a pile of documents at the corner of the desk and handed it to her, and said seriously, "Xiaona, the loan application you handled failed the preliminary review."

"Did not pass?"

Zhou Na was startled, her mind was buzzing, she quickly took the folder and opened it to read. After a few seconds, she quickly found the review comments, her eyes froze, "Is there a possibility that the market will be relocated?"

Raising her head suddenly, Zhou Na looked at Manager Yu and asked, "Manager, what does this mean? There is a possibility of relocation? So should I move or not?"

Manager Yu leaned back, leaned on the back of the chair, and slowly shook his head solemnly, "This news cannot be confirmed, but as long as there is a risk of relocation, the audit department will issue objections. There are too many certainty factors, and after the relocation of some markets, it is not uncommon for the value of shops to be halved or even lower, and we cannot take this risk.”

After saying this, Manager Yu sighed imperceptibly, and continued, "Actually, if there is no risk of relocation, this order can be regarded as a very high-quality project, but... forget it, you will treat it as if you didn't take over the business. Find it again."

Zhou Na came out of the manager's office with a desolate expression. Zhang Jin, who had been waiting outside, came over immediately, and said with a smile, "How is it? Have you passed it? How many approvals?"

The next second, when she saw Zhou Na's expression, her heart skipped a beat, and she asked cautiously, "Why are you like this? Could it be bad news?"

"It's just bad news," Zhou Na shoved the folder into Zhang Jin's arms dejectedly, "Look for yourself."

Zhang Jin was taken aback, and quickly picked up the folder to look through it. After a few seconds, his face changed instantly, and he said through gritted teeth, "Banana and lychee, I think it's banana, you guava, you look like a dog." Damn, you dared to cheat on the loan, and even cheated on my old lady, it's an unforgivable crime!"

Immediately, he took the folder as Chen Yang, and slammed it shut.

She herself was under the pressure of heavy loan tasks. It would be fine without this order, but this order was delivered to her door, which made her very happy for a few days, but it turned out to be such an ending, which a normal person could not bear.

But Zhou Na was a little puzzled when she heard her words, she blinked and blinked at her, "Cheating a loan? That's not the case."

"Why not," Zhang Jin said angrily, "I don't believe that he didn't know that the market was going to be relocated, and he came to take out a mortgage loan, and it was a revolving loan. Isn't this a fraudulent loan?"

Zhou Na slapped her on the forehead with a slap, and scratched her hair hard a few times,

"Ah, what are you doing?" Zhang Jin waved her hands to knock off the claws, and glared at her viciously while combing her long hair.

After winning a hand, Zhou Na's mood improved a lot, suppressed her triumphant smile, and said seriously, "You are stupid, you forgot what he said before, the money from the loan will be used to buy shops, and promise He will recycle the pledge, and he bought the store with the money he cheated, so what good is it for him? Waiting for the store to depreciate?"

"Yes," Zhang Jin also realized at this time, looking at the good sister with a puzzled face, "Why?"

"I don't know why,"

Zhou Na took the opportunity to pat her girlfriend's head again, then walked back with her head held high, and said at the same time, "If you ask me to guess, there is only one reason!"

Zhang Jin is not an idiot, and immediately caught up and said, "He firmly believes that the market will not move, and will definitely continue to appreciate?!"

"Bingo, that's right," Zhou Na snapped her fingers, then said with a pretty face, "but unfortunately, he is not from our credit review department, and no matter how confident he is, it doesn't help. It seems that we The pen list should be yellow."

"By the way," Zhou Na stopped suddenly, turned to look at Zhang Jin, and said with a smile, "Aren't you very interested in this handsome guy? I'll give you a chance. You can call me for this return call!"

Before Zhang Jin could speak, Zhou Na immediately raised her finger and pointed at her, "Rejection is a cover-up, do you want to cover it up?!"

It's a pity, who doesn't know who has been a sister for more than ten years, Miss Zhang Jin proudly raised her head and smiled, and slapped the folder on her chest, "You can handle it yourself!"

After speaking, he walked away in a catwalk, still secretly happy in his heart, hee hee, it feels good.

Back in the office, Zhou Na sat blankly at her desk for two minutes before opening the folder with a bitter face, and dialing the number on it.

At this moment, at the Guangzhou Railway Station, Chen Yang was hovering at the exit, waiting for Zou Rong to come out, when suddenly the phone rang, he took out the phone from his trouser pocket and saw it was an unfamiliar landline number,

Press the answer button, "Hi, hello, who is this?"

Zhou Na took a deep breath, showed a professional smile, and said, "Hello, Mr. Chen, I'm Zhou Na from the credit department of Shijing Sub-branch of Min'an Bank. Is it convenient to talk now?"

"Okay," Chen Yang smiled slightly, "Is the result of the loan approval?"

"Yes," Zhou Na bit her lip and said, "I will now officially inform you that unfortunately, your loan application was not approved."

Did not pass?

Chen Yang was slightly taken aback, and couldn't help pressing the center of his eyebrows, did he remember wrongly? In fact, Min'an Bank's review is very strict, not very loose as I remember?

After thinking for two seconds, he said, "Can you tell me the reason?"

Then I heard a voice on the phone, "Yes, that's it. After the investigation of our audit department, there may be relocation in the market where your shop is located. After careful evaluation, our audit department gave two The first is that your application was not approved, and the second is that if you can accept 50% of the loan ratio, you can re-initiate the application without re-examination, and our credit department can directly release the loan."

Fifty percent?

The corner of Chen Yang's mouth twitched, bah, I still need to find you for such a low ratio, do other industries dare to lower it? !

It seems that there is a reason for the decline of Min'an Bank in the future. The business capability of the risk control and review department is so low that high-quality assets are downgraded and a higher proportion of loans is given to low-quality assets that are more risky. UU Reading www.uukanshu. Com like this, no problem is strange.

However, Chen Yang didn't intend to give up just like that. After all, in these years, there is only one bank that can issue a 12% loan ratio. Pingfa Bank and China Merchants Bank who followed up first will wait until next year Introduced, a rare opportunity.

It seems that there is only a plan B.

With one hand in his pocket, Chen Yang kept his eyes on the exit of the station, and said with a leisurely smile, "Miss Zhou, don't be joking about the 50% quota. Regarding the rumored market relocation, in fact, I I knew it a long time ago, and frankly speaking, this is just a rumor, and it has never been confirmed in any way, and your bank's audit department actually used it as a basis for rejection, which really makes me doubt the professionalism of your bank."

Zhou Na was furious when she heard it, what do you mean? How dare you doubt the professionalism of the bank? know what you're talking about you? !

Immediately took a deep breath, and said to the phone with a cold face, "Mr. Chen, I'm really sorry, our bank has very strict risk assessment standards..."

As a result, before he finished speaking, he was interrupted by the opposite party, and only heard the voice from the microphone saying,

"Okay, I don't need to talk about these useless nonsense, but I have a suggestion. Isn't your risk control department worried that the relocation of the market will affect the safety of funds? Then, you can send this list to People from your strategic development department have a look, oh, if your sub-branch does not have a strategic development department, you can give it to your president first, and ask him to find someone from your Guangzhou branch. Maybe your branch will have different opinions. Take a look. How will they assess the risk of market relocation! If they don’t understand, you can ask me again, but I will charge a consultant fee at that time, and if you want to ask, hurry up, I will only wait for you for two more days , don't wait for the time."