Investment banks did not handle small businesses. Even the company's business had to be above 10 million yuan, including loans and deposits.
Although 50 to 60 million was totally acceptable.
However, wasn't this amount a little too low?
The investment in futures, foreign exchange, stocks, and financing could be as high as 10 billion. Small businesses were really boring.
"A mere 50 to 60 million? That's too little!"
"I thought they were going to take out a loan of a few hundred million yuan ~"
Jiang Feng shook his head in disappointment. Li Zimeng almost fell off her chair.
Listen, is this guy speaking human language?
50 to 60 million is too little. Do you think that everyone runs a bank like you? Tens of millions was not a small amount…
She narrowed her eyes and replied helplessly," I can't help it. My parents 'company is too small. They can't take out too much collateral.”
"It's very difficult to get a loan of tens of millions!”
"Brother Jiang Feng…can you help me…"
Li Zimeng was very conflicted, ashamed, and embarrassed. She hesitated to speak, wanting Jiang Feng to use the back door.
However, she was a little loli who had never asked for help since she was young. She felt very ashamed and embarrassed.
After all, 50 million was not a small amount!
" Yeah, sure," Jiang Feng replied nonchalantly." I'll take a look at your parents 'company and see how it's doing."”
"By the way, what are your parents 'names?”
"Sun Jingyi, Li Dekai!"”
He checked the bank's computer system.
Li Zimeng/Li Dekai/Sun Jingyi
In an instant, the character information popped up. The contents of this information were available to all employees of the bank.
[Relationship: Mother/Father]
Native Place: Yandu, Shu Province
Age: 17/45/42
[Wealth: 65 million yuan]
Rating: A A
[Potential: 71,500]
Total Liabilities: 5 million RMB
Property statistics: Dekai Construction Co., Ltd., Shanghan Garment Co., Ltd., Jinbi City Residence ×1, Audi ×2
[Limit of credit: 500 million yuan]
"Hmm, not bad. 500 million yuan and you can get a loan without collateral. A mere tens of millions is indeed too little.”
It was basically impossible for the system's evaluation to be wrong. If it was wrong, the system would be responsible anyway. He would not take any commission.
If Jiang Feng did not violate the rules, he would not be responsible!
Pledge? The system did not consider mortgage loans.
It was all about credit evaluation and potential evaluation. The system evaluated how much the other party could lend.
Jiang Feng introduced with a smile.
"Okay, no problem. Don't worry, Zimeng.”
"Your parents can borrow 500 million yuan!”
The little loli looked at the computer in a daze and asked,"This, this doesn't require collateral?" A direct loan of 500 million?"
Her face was full of surprise and disbelief. Bank loans required assets as collateral and risk assessment, right?
Jiang Feng shook his head and denied confidently,"
"No need. Our Tianfu International Investment Bank has a stronger evaluation system. We only look at the credit rating.”
Li Zimeng was very excited and very grateful. She sat on one of Jiang Feng's legs and acted cute,"
"Thank you, Onii-chan. Thank you so much!”
"Hiss ~~~ No need, no need to thank me. Our bank also wants to lend out a loan.”
Jiang Feng stroked the loli and checked the system.
Player: Jiang Feng
[Level: LV-1]
Type: Investment Bank
Name: Tianfu International Investment Bank
Network: 1
[Exchange][Management][Branch][Investment]
[Mission][Safety][Support][Evaluation]
He found the two functions in the [Investment] function that had not been set up yet,[Saving] and [Borrowing], and considered setting the interest rate.
There would definitely be interest for deposits and loans!
And there were different types of projects--
Storage: Current, Fixed, 1/3/5 years
Borrowing: mortgage, ultra-short, ten-year, commercial loans, student loans, poverty relief loans, and so on. He could set them all!
However, the system clearly stated that-
The loan interest rate was not lower than the deposit interest rate.
Basically, they ruled out poverty relief student loans.
Moreover, investment banks did not do personal business. Even if they wanted to help others, they might not be able to do so.
"Unless I open another bank in the future…" Jiang Feng knew that he could open a new bank when the system level reached (LV-9).
Currently, he could only serve corporate clients.
Then the interest rate of deposits and loans was very important!
Based on the national bank's deposit and loan interest rate-
Time-interest rate, deposit, loan
Short term: 0.30%*** 4.35%
1 year: 1.75%*** 4.75%
3 years: 2.25%*** 4.75%
5 years: 2.75%*** 4.90%
The loan interest rate was much higher than the deposit interest rate. Moreover, this was only the basic interest rate. The loan interest rate could still be negotiated.
It was normal to raise the interest rate if the mortgage was insufficient!
6%, 7%, 8%, they were all fine. A 7% commercial loan was very common, unless you had enough collateral.
"However, our bank doesn't need it. It's fine as long as the base interest rate is flat. We don't rely on loan interest to make money.”
"The rate of return on financial investment is still high!”
Jiang Feng carefully thought about the future settings.
Time-interest rate, deposit, loan
Short term: 0.30%*** 4.35%
1 year: 1.75%*** 4.75%
3 years: 2.25%*** 4.75%
5 years: 2.75%*** 4.90%
It was exactly the same as the national bank. It was based on the system's evaluation of credit. There was no interest rate increase or mortgage.
A loan of 100 million, 4.75 million a year.
100 million in savings, 1.75 million a year.
"Sigh, garbage, too garbage. It's far worse than short selling crude oil futures the day before yesterday. What's the use of this money?”
A loan of one trillion yuan only had a few tens of billions of interest per year. He could get a few billion yuan, which was far less than the day before yesterday.
As expected, he couldn't rely on loan interest to earn money!
" Forget it, let's just implement this interest rate."
Setting successful! Bank interest rate determined
Okay, it was done. He could lend the money now. Jiang Feng laid on the chair leisurely and stroked Lolita's head.
It was great to have money, but opening a bank was even better!
There was no need to scheme against each other for business.
No wonder everyone wanted to find a secure job. Many people would rather spend their lives in a state-owned enterprise than go to a private enterprise.
.
.
Next door, in the finance department's office, Li Shu Hua and Jiang Zhen Tian were having a friendly discussion regarding their daughter-in-law.
"Old Jiang, our son seems to be very interested in that little loli. Could he be dating her?”
"Yes, it's possible. So what?”
Jiang Zhentian casually asked as he read the newspaper.
"What do you think?" Li Shuhua shook her head and questioned. This little girl was quite cute, but she was short!”
"Will it affect the genes of future generations?"
"Will there be no way to give birth?"
"It's possible, but what can we do?" Jiang Zhentian frowned and replied. Stop him? I'm afraid it's not good ~"
Li Shuhua shook her head and denied it." No, no, no. What era are we in now? Of course we can't have an arranged marriage!”
"Then what do you want?" Jiang Zhentian was dumbfounded as he looked at his wife's mysterious smile.
Li Shuhua's eyes flickered as she replied calmly,"
"Since we can't force him to change.”
"Then we can only encourage him to find another one.”
.
This book comes from：m.funovel.com。