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运用IT后台的技术优势,招行巧妙探索出一条新的小微贷款的运营道路。前年,自己做生意的康祥想从一家股份制银行贷点款用于资金周转,他甚至为此抵押了位于深圳八卦岭的房子,但银行的审批结果让他大失所望,他竟然只能拿到10万元。“银行的人非说我的房子在郊区。”康祥对此啼笑皆非,“是因为八卦岭的那个岭字吗?”后来康祥才搞清楚,原来这家银行的相关信贷审批人员没有驻扎在深圳的,缺少实地勘察,他们只能从纸面揣测房子的位置好不好。这听起来像是一个笑话,不过,康祥的故事并不是个案,以前像康祥这样
Using the technical advantages of IT back office, China Merchants Bank cleverly explored a new road of operation for small and micro loans. Two years ago, Kangxiang, who was doing business, wanted to borrow money from a joint-stock bank for capital turnover. He even secured a house in Bagua Ling in Shenzhen for this purpose. However, the result of the bank’s approval disappointed him. He could only get 100,000 yuan. “The bank’s people are not saying that my house is in the suburbs.” “Kangxiang was ridiculous,” because of Lingling Bagua? "Later, Kang Xiangcai made it clear that the bank’s relevant credit approvers did not Stationed in Shenzhen, the lack of field surveys, they can only speculate from the paper the location of the house is not good. This sounds like a joke, but Kangxiang’s story is not a case, as before,