Kunpeng Project
The bank, in the end, lifted a stone and shot itself in the foot, and the credit system formulated by itself will soon become a big joke.
The foundation of the bank, it can be said that this credit system, regardless of the amount of money, as long as it is to approve the loan, the credit check must be done, married, even the spouse's credit is not let go, but where there is an overdue record on the credit report, or the number of inquiries is too much, it is basically equivalent to the bank's blacklist, almost can break the idea of taking money from the bank. In the past few decades, no one has ever doubted the credit of the People's Bank of China, whether it is a large bank or a small bank, a state-owned bank or a private bank, but now, things are developing in the opposite direction, and this set of proud credit information system is backing up the banks.
Nowadays, almost all banks are complaining about the difficulty of lending, today the president of the bank begs the customer to lend money, tomorrow the account manager squats in the customer company for several days in order to make a loan, and even some banks have come up with the idea of lending money to send to primary school tutoring classes, which is really hard.
Why is it so hard to get a loan? It is forced by this credit information system that through the screening of credit information, there are fewer and fewer subjects that banks can lend. The bank's credit information covers the credit history of a subject for five years, so I asked, can an ordinary person guarantee that he will not make a mistake within five years? What's more, what is the current environment, and how many good people can be looked down on by banks?
I have already done an analysis, in the past, in order to complete the assessment goal, the bank to buy deposits is a routine operation, now the bank for the assessment, began to buy loans, ask who to buy, of course, those enterprises and individuals with beautiful credit, but the question is, are they short of money? Anyway, the bank doesn't care, only these people can approve the loan, the bank will only "add icing on the cake", and never do anything "to send charcoal in the snow", the result,The money is given to people who are not short of money, while enterprises and individuals who are really short of money are struggling on the edge of credit ratings.
Now the credit is not good, most of the debts are those who love to toss, want to start a business, want to do something, you honestly go to work, get a fixed salary, no bad habits, this kind of people generally do not go into debt. Why can't the economy get up now? Why can't the employment rate go up? Why can't the bank's money be released? Ordinary people are old people who fail to start a business, and if they want to turn over, they can't get a loan if they want to do things, and those who honestly get their wages are unwilling to toss. This leads to the fact that those who want to do things cannot get loans and have no capital. Everyone is gone, how to improve employment and stimulate the economy?
The credit system is not a good thing, of course, without this system, the bank's risk control will be laid off, but can this thing also be adjusted with the times, I think it is necessary.
You see the bank likes the enterprise and industry, the best is the credit is clean, even the best record of checking the credit is not the best, this kind of enterprise is not short of money at all, the bank is doing everything possible to stuff the money to you, as a result, the enterprise feels good about itself, how easy it is to take this loan, the boss is happy and decided to expand production, and even play cross-border. This is good, overcapacity, tight capital chain, good companies have been dragged bankrupt. Wait until you are short of money, now it's okay, the bank is going to draw a loan, the smile on the face of the account manager and the branch president is gone all of a sudden, turning your face is faster than turning a book, if you really have no money to pay back, you will receive a summons from the court in the next second, the main one is to let you recognize the reality of the world.
I won't say anything else, let's think about it, is this the case with Evergrande, when the real estate industry was rich, Xu Jiayin was still using Hermes's belt, at that time you said how attentive these banks were, you don't want to use money, but also to hold your hand and stuff the money to you, some people even do not hesitate to lend money in violation of regulations, as a result, Brother Belt feels good about himself, as if the bank was opened by his own family, the money is really Xu Jiayin, take so much money, buy land all over China, Evergrande's bubble is not just blown up?
And those small and medium-sized enterprises that are really short of money, some bosses really want to do something practical, but unfortunately there is no way, there has been an ugly overdue record on the credit report, there is this phenomenon, the door of the bank has been closed to you since then. Society has changed, and so has the credit reporting system of banks. Society has changed, I'll just say two points.
In the past, our financial system was mainly banks, some friends with investment bases and doors, at most they were to buy a**, speculate**, but now, how developed information is, P2P has appeared, and there are all kinds of insurance, online loans, including trusts, the financial environment is changing so fast, there will be many people who don't know what is safe and what is risky, in this case, it is easy because of information asymmetry, and a good person's credit will also have bad deeds. You click on the Internet casually, and the credit report may be spent!
This second point, the economy was in a period of rapid development before, the cake was getting bigger and bigger, almost anything could make money, buying a house could make money, opening a ** could make money, a big factory moved a brick, and you could also live a very moisturizing life, but now, the economy has entered a new stage of high-quality development, in other words, the period of rapid development has ended, and the wealth of society has become a stock cake, especially in the current transition period, money is becoming more and more difficult to earn, can you really want to start a business, People who want to do things are more forgiving? Give them one more chance? Maybe there will be a second Ma Yun and a second Ren Zhengfei!
I believe that the vast majority of people in the world are honest, if it is clear that they don't want to repay the money, they don't have to rack their brains to tear down the east wall and make up the west wallCan you go further on the basis of the credit report to understand what the reason is that the customer is overdue on the credit report, and do more supplementary due diligenceFor these enterprises and individuals who really need money, be more tolerant, be patient, only give money to people who can be responsible for hard work, our society can have hope, this point, I'm afraid it's not enough to just look at credit, do you agree with me?