Chapter 799: Lend Him 2 Billion
“I can borrow 1 billion!!!!”
Hearing the TT message sound, Zhang Qian casually clicked on it and saw the inquiry from a top customer. She couldn't help but shout out excitedly.
Zhang Qian didn't care at all that her shouting attracted strange looks from the other two colleagues in the office. She realized that she hadn't replied yet, so she suppressed her inner ecstasy and typed quickly.
As a long-established economic center in Asia, the economic impact of the financial crisis on Hong Kong is the greatest in Asia.
Many multinational companies that used to have good reputations have gone bankrupt, and even the Swiss bank, which once had good performance, has experienced a certain degree of bad debts, and senior bank executives have suffered severe hair loss.
Banks are reluctant to lend money easily to businesses whose operations are not very stable.
However, companies with truly excellent assets now have stable cash flows and do not need to borrow money from banks. At this stage, they dare not easily borrow from banks to expand their operations.
Basically, most of the banks' large-scale loans have experienced a short-term gap, which can be described as too much porridge and too few monks.
At this time, a young wealthy man with excellent qualifications and abundant cash flow actually asked for a loan. What was there to hesitate about? I would lend him as much as I could.
"Does it include the 300 million I paid back earlier? Do you want to pay it back first?"
I didn't expect that getting a loan from a Swiss bank would be so easy. Zhou Anan remembered that she still had an unsecured loan of 300 million yuan to repay, and couldn't help but ask.
The last 300 million unsecured loan was a big concern for Zhou Anan, who rarely borrowed from banks.
The target is those who count money while lying down. They are particularly sensitive to the money they owe to the bank, after all, that requires interest.
"No, no, you can pay back the 300 million when it's due. In addition, you can borrow another 1 billion. If you need it, I will bring my team over to handle the loan for you. After you sign and confirm, the loan will be released in half a day."
Upon hearing that the other party intended to repay the loan in advance, Zhang Qian quickly responded and said that she could bring her team to provide door-to-door service.
As an SS-level credit customer, you will enjoy exclusive door-to-door service.
What's more, the time of such young rich people is very valuable. If she loses the loan business because she doesn't want to bother coming to Hong Kong to handle it, she will never forgive herself.
Like this tycoon who is worth tens of billions but has no need for loans, as long as he shouts out that he wants to borrow money, there are many banks in the mainland willing to provide him with loans, and some even pay for it.
With the huge loan business now, not to mention her huge commission, even her salary will jump up.
Only success is allowed, failure is not allowed.
"Okay, I'll find you if I need anything."
I didn't expect that Swiss banks have such humane services. Zhou Anan, who asked casually before, thought it was very good.
However, he felt that this loan needed to be handled with caution.
After all, it is not a small amount, and there is no definite news from Professor Mei yet.
As for that foreign milk powder company, we haven’t even seen its shadow yet.
Unsecured loans do not mean there is no interest. If you can borrow later, you will earn less interest.
"Mr. Zhou, do you find it troublesome? We can provide special review and approval here. All you need is to sign a few names."
Upon hearing this formulaic answer, Zhang Qian, who thought that her mainland counterparts were trying to poach her business, immediately became anxious.
"Zhang Qian, Mr. Ying wants you to go to his office."
“No time.”
At this critical moment, in order to make the big customer "change his mind", Zhang Qian no longer cared about the general manager.
Only account managers who have achieved results are good managers and are qualified to be middle-level managers in this bank.
"... Zhang Qian, are you crazy? Mr. Ying calls you "Ai."
"I said I was busy."
Zhang Qian, who was trying to persuade the young tycoon in a tactful way, had no time to care about other things because the other party had not replied to her message for five minutes.
The problem is, she didn't dare to urge him, for fear of offending the other party.
It’s so tiring to deal with such high-quality big customers.
The mind is tired, and the body is even more tired.
Zhou Anan, who was playing "Super Elite" for the first time, was killed twice. He closed the game page cursingly, clicked on the TT that had rang twice before, and looked at the message sent by the account manager.
"Zhang Qian, you're getting more and more arrogant. Do you want me to come and invite you in person?"
At this moment, Zhang Qian, who was anxiously waiting for the other party's reply, heard a familiar and angry voice, and quickly stood up to apologize to the middle-aged man next to her: "Mr. Ying, I'm sorry, I was just talking to a client about a loan."
"Loan? What kind of loan doesn't even give you time to come to my office?"
After hearing the answer from his subordinate, the middle-aged man asked in a deep voice, while the two account managers in the same office watched the show with a smile out of the corner of their eyes.
For this newcomer who was promoted to mid-level account manager in less than two years, there are too many imbalances for them as it took them four or five years to get to this point.
"Mr. Zhou wants to borrow 1 billion yuan. I am communicating with him now."
"Mr. Zhou? Is that Mr. Zhou?"
Mr. Ying was quite familiar with the big clients of his subordinates. He reacted immediately and forced a smile on his originally serious expression.
The 1 billion loan is considered the largest loan order this quarter.
"Yes, Mr. Zhou is inquiring about an unsecured loan."
Seeing her boss's attitude, Zhang Qian, who was already calm, became even calmer.
Of course, the prerequisite is that she can get the loan business of this young rich man.
"Zhang Qian, I remember Mr. Zhou's credit rating in our bank is SS level, right? You just mentioned the unsecured loan limit of 1 billion, which is too conservative. Tell Mr. Zhou that the loan will be released within two hours for less than 2 billion. I will communicate with the credit department."
Holding his glasses, he bent over to look at his subordinate's TT chat page. After standing up, Mr. Ying spoke to this promising subordinate in a friendly manner.
As for the fact that the other party did not go to his office before, it was just a small matter, a small matter.
Subordinates who can lend money to high-quality customers are good subordinates.
"OK."
Upon hearing the boss' bold words of delegation of power, Zhang Qian nodded in agreement with a little excitement.
"However, we must get this loan business. If it is taken away by other banks, I will only ask you. If you have any questions, feel free to contact me. Of course, if it is successful, your salary this month will be increased by two levels, and your bonus will be doubled."
Since it is a large loan involving a high-quality major client, Mr. Ying should attach great importance to it and make the promise directly.
After completing this loan, I don’t have to worry about achieving my first quarter goals.
"I understand. I will definitely not let Mr. Ying down."
Hearing her boss's support, Zhang Qian dared not to give it her all.
She had made up her mind. If the young rich man still hesitated, she would fly to Hangzhou tomorrow and invite him to apply for a loan from their bank in person.
“Ding ding ding.”
At this time, a TT message sounded, and Zhang Qian quickly opened the computer screen and saw the reply from the big customer: "What is the approximate interest on 1 billion? What is the difference in the repayment period?"
"Ahem, just go ahead and do your thing. If you have any questions, remember to come to me anytime."
Noticing the look his subordinates were looking at him, Mr. Ying covered his mouth, coughed twice, and walked back to the office.
Zhang Qian had no time to pay attention to the envious and jealous looks of her two colleagues. She answered the questions of important customers at the fastest speed she could.
She swore that even when she was chatting with her boyfriend, she didn't react so quickly.
"yeah."
After a long time, Zhang Qian, who was sitting in front of the computer and looking forward to it, clenched her hands and shouted excitedly.
Not interested in showing off to her two colleagues in the office, Zhang Qian simply sorted out the information and walked quickly towards her boss's office.
After finishing the chat with the customer service manager, Zhou Anan thought for a while and called Mr. Xia: "Mr. Xia, I have a job. Are you interested?"
When you are in doubt, ask professionals. Professionals will solve professional problems. Zhou Anan has always been a person who is not ashamed to ask questions.
"Mr. Zhou, what do you say?"
"It's like this, I need to acquire a qualified milk powder company in Australia. UBS is willing to help me find one, but I'm not sure."
"Mr. Zhou, let me send someone to Australia to do some preliminary work. I'll go over and talk to you about the details."
Upon hearing that it was another large order worth hundreds of millions, Xia Qiudong signaled to several company executives who were in a meeting, walked out of the meeting room and gave a few replies.
(End of this chapter)
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