There''s nothing wrong here, so Tang Qing gets up and leaves.


    In fact, it''s not all right. On the contrary, there are a lot of things. Otherwise, Dou Jiao won''t come today. It''s just that these things have nothing to do with Tang Qing, the boss of the security company. He''s here today to meet several management of the security company and draw a picture by the way.


    He doesn''t have any interest in specific affairs, just look at Tianyan''s report afterwards.


    Seeing that Tang Qing just said a few words willfully and left, Gao Ming also saw for the first time how thoroughly Tang Qing, the shake off manager, had shaken his hands. Apart from a bitter smile, what else could he do? He could only give him a look of "be careful and walk slowly.".


    "Mr. Gao, just get used to it." Dou Jiao said with a smile.


    "Ha ha, we are not ordinary people." Gao Ming said with emotion that he was young and unresponsive, but his style of work was shrewd. He said that he was young and frivolous, but he was approachable, unsophisticated and straightforward. All in all, we have to say that he is a person with great personality charm and appeal. It makes people feel kind unconsciously.


    "Of course, can ordinary people do it at this age?" Dou Jiao has a little pride in her tone. If Tang Qing had not had Lin Jiaxue, she would have been able to give Tang Qing a red line. Her mother''s family has many girls of the right age, and all aspects of the conditions are pretty good. With Tang Qing''s conditions, she is free to choose.


    However, since she met Lin Jiaxue, she never had this idea again. She knew that Lin Jiaxue was the love of Tang Qing''s whole life and could not be separated.


    "So it is."


    Gao Ming doesn''t stop.


    "Well, let''s have our meeting." Dou Jiao immediately entered the working state.


    。。。


    Leaving Gaoming, Tang Qing did not go anywhere else, but came to Fenghua asset management company.


    After such a long period of development, Fenghua asset management company has also ushered in rapid development. The 50 million yuan previously given has been used up for a long time, and Tang Qing urgently allocated another 100 million yuan in the past to maintain it until now.


    Through word of mouth and introduction of acquaintances of those customers, Fenghua asset has also made a name in the lending industry of Qingyan city. More and more small bosses are known, and the number of customers is also soaring.


    According to the statistics of the command office, so far, the total amount of loans from Fenghua asset management company has exceeded 200 million yuan, and the number of customers has also exceeded 200. It''s just a million yuan loan for each customer.


    Is it more than one million yuan?


    Not much, of course.


    But it also depends on the coverage.


    Tang Qing has restricted these loans for a long time. At present, they only serve medium, small and micro enterprises, and do not accept consumer emergency loans from large enterprises and individuals. There are also restrictions on the amount of loans. The first loan for new customers is only one million RMB, and they must provide guarantors or equivalent collateral. At this time, the customer''s credit rating is average.


    When the first loan is paid off on time, the customer''s grade will be improved and become a first-class customer, and the loan amount will be doubled. In order to avoid malicious grade swiping, only the third month after the upgrade can enjoy the treatment of the current grade.


    These two levels are only for the purpose of establishing initial trust, and at the same time, allowing the company to have time to thoroughly investigate the industry, status and personal information of the lender. When the complete personal information is filed, the amount and method of upgrading each customer''s level in the later stage will be different.


    Different customers have different credit, different personality, different industry status, different family status, different interpersonal relationship, different ability, and so on. There are too many factors. Even at the same level, their loan limit will be dynamic and flexible, and will not be rigid. After all, even if a business owner has good credit, his family will be broken The risk of cracking is quite extreme, so the loan risk is great and we have to take it into account.


    Such a hierarchical approach is extremely cumbersome and complex, not to mention private lending. No bank in the world will even consider establishing such a comprehensive and complicated audit and classification system, especially for small loans of this scale, because the cost is frightening.


    But Tang Qing wants to have a try, because even if he opens a bank in the future, what he wants to do is a bank that can make money, really serve the customers with good credit, and ensure the safety of his own funds. A pile of bad debts is not what he wants, so he has to do something different. Fenghua asset management company is a very good experimental field. If it is successful, it will be successful in the future It''s very useful. Other people can''t copy it. It''s a failure. It''s a big deal. Now the boat is small and easy to turn around. It''s not in the way.


    There are soldiers.


    Tang Qing had the strength to perfect this complicated system.


    Come to Fenghua assets.


    At this time, Fenghua is not as sparsely populated as before, but the customers are lining up, holding information one by one, waiting for audit. When Tang Qing arrives, he sees seven or eight people sitting on the chair at the door. However, Tang Qing knows that even if the mortgage restriction is relaxed, there will be no more than two people who can get loans here.


    The reason is simple.


    He had read the summary of Fenghua in this period before.


    They have received more than 1000 applications, and less than 20% of them have passed the examination, which means the mortgage restriction has been released.For example, for a factory with a value of two or three million yuan, it is very difficult for the business owner to go to the bank to pledge the loan. Even if it''s operated for a while, it''s necessary to plug some money or something, and the amount of money that can be lent will never exceed 1.5 million yuan, or even one million yuan, depending on luck.


    Of course, this is the general situation. There are many cases of one million assets with a valuation of 10 million and a loan of 5 million, but the proportion is negligible, so it is not considered.


    Although Fenghua''s loan is unrestricted, it can be guaranteed by 20% of the value of the collateral. As long as the property right is OK, and the business owner''s loan purpose is to operate the industry, the first loan is no problem. However, most of the applications that have been cut off are lying to the business owner, concealing the real situation of the enterprise, providing false information or preparing to demolish the wall Make up for the west wall.


    Tang Qing''s goal is to help the owners of medium, small and micro enterprises with good credit develop and solve their financial problems. Even if they do not make compulsory requirements for the business operation of the enterprises for the first time, many people still lie here with various purposes and want to get loans.


    Even the basic integrity can not do, Tang Qing can only say sorry to them.


    Because of his previous experience in making small loans, he wanted to help those small business owners with good credit from the very beginning, not all of them. He didn''t think he had the ability, and he didn''t want to help those illegal businessmen who specialized in making and selling fake goods, who were not benevolent and who lied a lot.


    PS: Chapter three, here we are, asking for tickets.