Even if it involves the movement of huge amounts of funds, banks and financial companies still need several main people in charge to make turnover. A sudden refusal to cooperate will undoubtedly involve a personal breach of contract.
Zheng Haixia nodded, feeling very depressed. Something like this happened suddenly in the company, which caught her off guard. "I can guarantee that there will be no problem. They didn't refuse directly. It's just that after the customers went for loans, they were all rejected. I just called Jiang Haibo to ask
, he said to help verify and hung up the phone."
Jiang Haibo, the vice president of Shenzhen Development Bank, manages Shenzhen Development Bank and has great power. Only with his negotiation can financial companies settle in Shenzhen smoothly.
"This person has dealt with Wang Zhongmao many times, so he shouldn't make small moves. Is he just thinking about the bank? His business has expanded recently, so he refuses loans to customers?" Shen Dapeng pondered and couldn't understand why Jiang Haibo suddenly changed his mind.
Cooperation between financial companies and banks is the norm in the industry. Both parties have the credit and funds to fill each other's gaps. In-depth cooperation will only benefit both parties.
Zheng Haixia was at a loss what to do. When something like this suddenly happened, she immediately called Shen Dapeng over because of the relationship between Jiang Haibo and Wang Zhongmao.
There is a cooperative relationship, and when it comes to business expansion, Jiang Haibo's gesture undoubtedly refuses to continue to cooperate with Wang Zhongmao in the future, and it is not an exaggeration to say that he has turned his back.
To put it more complicated, if customers cannot get a smooth loan from the bank, it will affect real estate sales, which will have a series of chain reactions, causing financial companies to be unable to operate.
"Let's go meet Jiang Haibo first. Maybe he, the vice president, has encountered some difficulties that need to be solved. Let's see his attitude before deciding on the next step." Shen Dapeng guessed without hesitation and gave Zheng Haixia's opinion.
Zheng Haixia nodded and deposited the information into the safe, "If Jiang Haibo intends to cause trouble and the funds are suppressed and cannot be withdrawn, other procedures will have to be used to open the fund gap, but it will take a long time to operate. I am afraid that he will cause trouble sincerely."
, making it impossible for our company to continue operating."
Pengzheng Financial Company has a back-up, but the back-up funds are less than half of the total amount. If similar incidents are not handled properly, who knows whether the follow-up funds can be used?
What's more, if you go to other banks to discuss cooperation, it will take a lot of time. The tedious process will have to be repeated all over again. If all matters are delayed, how can the company continue to develop.
"Let's take a look at the situation first. Jiang Haibo won't deliberately cause trouble to the company." Shen Dapeng smiled slightly and didn't care too much.
Seeing this, Zheng Haixia inexplicably felt that the pressure in her heart had become lighter. It seemed that Shen Dapeng's smile was extremely contagious, and she was as comfortable as bathing in the breeze.
Don't be impatient when things happen, and don't be alarmed when dealing with things. As young people, Shen Dapeng can do it, but Zheng Haixia can't. This has nothing to do with ability. Only extraordinary vision and structure can show the extraordinary in every move.
Many customers gathered in the bank lobby. Most of them came to apply for housing loans. Although some of them did not cooperate with Pengzheng Financial Company, they all came to Shenzhen Development Bank to apply for loans after purchasing apartment buildings.
"Manager Chen, what should I do if I can't get the mortgage application? We have paid the deposit. If we can't get the loan, the developer will charge us liquidated damages. If we can't buy the house, we will have to lose a lot of money. This is all our hard-earned money. Can we
If the loan is approved, just approve it. Besides, there is nothing wrong with the information. Your bank cannot delay the loan approval." An older man said to the bank manager Chen.
Someone next to me responded, "Our bank wants to be reasonable. We have been busy for two or three months after running around, and then we got to the bank approval stage. Two days ago, they called to say that the loan was approved and they asked us to come and handle the final procedures.
, we came here and said we haven’t been approved, isn’t the bank kidding?”
"Shenzhen Development Bank can't go back on its word. I heard that you have a cooperative relationship with the developer. Even if the bank and the developer have conflicts, it can't embarrass us ordinary people, right?"
In addition to the home buyers, there are also several business personnel who belong to financial companies affiliated to various real estate developers. When I came to Shenzhen Development Bank, I found out that they were not only stuck in the related business of Wanhai Plaza, but also in other real estate companies.
Loan operations have also been suspended.
"Don't worry, everyone. When the company approves the loan, it will take some time to verify the information. If all the information is correct and the loan regulations are complied with, how can our development bank embarrass the people?" Manager Chen persuaded with good words. As for what happened within the bank,
He didn't mention a word about the problem.
The older middle-aged man looked at the crowd around him and continued: "We don't know the bank procedures, but if we can't get a bank loan, we won't be able to get the real estate certificate. We have bought this house for several months, and we will have to buy it after the year."
Decorate it for your children to get married. If you delay it, how can your children get married if the decoration of their wedding room is not good?"
The crowd was in an uproar. You and I were telling each other our sufferings.
"Yes, Manager Chen, why don't you help me ask now what happened that caused the loan approval to fail? You can't just review the information and let us wait aimlessly, right?"
"We are even more anxious. We paid the deposit and handling fee, but now we are told that the loan approval will not be approved. This delay will not be processed until next year. It is best if we can get the loan. But if there is a problem with the bank, the developer will definitely take the contract
Let’s talk about it, who will bear our losses when the time comes?”
"Mr. Chen, please help me ask. Our Huarong Real Estate customers have applied for more than a dozen housing loans. We can't let the people wait eagerly, right?"
Manager Chen listened to the opinions raised by the people around him. It would be difficult to solve the problem today without replying. He asked two bank employees to help deal with it, and then ran to the back office.
Seeing this situation, Shen Dapeng breathed a sigh of relief. It seemed that the matter was not as complicated as he thought, and it didn't look like someone was deliberately causing trouble for the company.
Now that there is a problem with Shenzhen Development Bank, after meeting Jiang Haibo later, we will have a general solution. In terms of business, we are not afraid of problems, but we are afraid of deliberate attempts to make things difficult.
"Manager Chen, President Jiang is not in the company?" Seeing this, Zheng Haixia followed up and asked.
Seeing Zheng Haixia coming over with a young man beside him, Manager Chen was stunned for a moment, then recognized Zheng Haixia and replied with a professional smile: "It turns out to be Mr. Zheng. I was sorry just now and didn't notice you coming.
Are you asking about Vice President Jiang Haibo? He went to Yangcheng for a meeting. He left less than half an hour ago and I just wanted to call him."
There was not much distance between Yangcheng and Shencheng. Zheng Haixia came to visit her without calling Jiang Haibo, just to prevent Jiang Haibo from avoiding him.