My friend is the president of a bank. Is there any business we can cooperate with?

Funny, bank branch president, what kind of business cooperation can we have? You think too highly of the bank branch president. Compared with history, at present, the authority of bank presidents has generally been severely reduced, and the approval authority for the most "fertile" loan business has basically been transferred to the level of prefecture-level branches or provincial branches. However, the pressure of bad debt assessment It still remains with the branch president, which means there is no more "oil and water".

About 14 years ago, it was true that branch presidents had great authority, and a former classmate of mine got in because of this. She cashed out mainly in the name of corporate loans, as well as corporate loans, such as 10 million, for which she had to collect 1 million in kickbacks, and some vicious "beheading loans" - she even had to withhold 3 million for a corporate loan of 10 million. Another classmate of mine who is the general manager of a securities firm knows this very well, because the stock account was opened with this classmate. At that time, we usually bought stocks, such as stocks worth more than ten yuan, usually tens of thousands of shares. Buy, and this bank president buys hundreds of thousands of shares, hundreds of thousands of shares. It's scary to say. I don't know how many years he was sentenced in the end, but his husband is also a section chief. Currently, he only has the minimum living standard left in his monthly salary, and the rest is deducted to cover the illegal amount. Her husband visits her once a week and is still in custody.

The last time I asked another classmate of mine to help a neighbor get a loan and cash it out in the name of a decoration loan, I found out that the current bank loan authority has basically been "received" to the provincial branch level - —At least this is the case for China Construction Bank and Industrial and Commercial Bank of China. Joint-stock banks may be relatively flexible, or they may have stricter risk control—because joint-stock banks have greater liquidity management pressure.

Therefore, your friend's appointment as branch president probably does not have "any cooperation" conditions. It is just that he can have some "space" in terms of the provision of loan flow. However, supervision is currently very strict. , and continues to tighten this "space".

Moreover, the current economy of third- and fourth-tier cities is relatively poor, and it is difficult to invest in loans that are very profitable and only short of funds. If you use this "crooked brain", you will face huge illegal risks, not only for yourself. , and it will seriously implicate your friend in jail. It's best not to think too hard.

You can ask him how many tens of millions he can save to get a bank job.

You can also ask him, can he get a wall calendar if he saves 200,000?

You can even boldly ask if the meal is just to attract deposits. [Laughing]

Just kidding~~

In fact, the power of a bank branch president is not great.

Although cleaning outsourcing and security outsourcing may seem inconspicuous, they are all big chain jobs and cannot be decided by him personally.

However, if you have a very strong relationship,

you can use his title to network some relatives, friends and classmates to make deposits in his bank.

Suppose that with the help of your continuous deposits, your friend completes the task well, then his career will go smoothly and he may be promoted to the next level. Only then will he add the title of interest partner to your friend status. At that time, you will truly be equal, mutually beneficial, and cherish each other.

If you want to benefit from your friends, first help them.

It’s the end of the year now, and maybe what he needs most is to complete the deposit task. Everything will become clear after the small gathering. I'm not a banker, so I'm just talking nonsense.

[Snoring]

Generally speaking, the president of a loan branch can sign for loans within 5 million, and you can probably use that little power. You don’t have the opportunity to get involved in personnel promotions and the like, so run around more. Go to major banks and get familiar with a few account managers. You can operate some loans. The fees are about 3 to 4 points. You can figure out how much the account manager and bank president will rebate. The money comes in pretty fast. Some loans mainly charge It refers to those with good credit but insufficient loan qualifications. For example, the state currently supports loans to small and micro enterprises but does not encourage loans to individual residents. The customer has a house mortgage and has no reasonable purpose. In this way, you can help people operate it. For example, for example, the current construction In a bank, you can register a business without any expiration date, but you must issue a tax invoice. You can pay a few dozen yuan in tax in the first month, and then you can get a loan. The president will give you the green light all the way, and the money will be easy to make. Yes, there are many tricks in it. Many people here don’t understand it. They have never been to a bank to get a loan, but they still talk nonsense there. They think they own a house, so why don’t they give me a loan, or earn an interest difference to cross the bridge? To cross the bridge, you need your own funds. It's more than one million and the risk is quite high. I've encountered people who embezzled public funds. In the end, people have gone through this bridge. You can help them pay the bill. Currently, helping people with loans is the most stable and has the highest return ratio, but you Be careful not to deceive others and ruin your reputation. Sometimes customers will have problems, and you have to have a way to deal with them. Don't cut off your own path. There are still many things you don't understand, so just ask, and you will see replies from time to time

As a branch president of a commercial bank, it is useless to tell you, and you will be annoyed to death by him. He will ask you for deposits, loans, and busy quotas every day. At most, he will buy you a meal. Mao has no power. No, it is a sandwich biscuit between the branch employees and the head office. Both sides are frustrated. People who have been there tell you that you should comfort him more because it is really difficult for him.

At first glance, I didn’t want to respond to your question, but after a closer look, it seems okay, so let’s briefly talk about it.

Your friend is the branch president, but you need to distinguish whether it is a credit-granting bank (with loan approval authority) or a non-credit bank (without loan approval authority).

Credit-granting banks generally use loan approval authority to exchange interests with customers, and can allow them to help with deposits, financial management, accounts and other banking matters within the customer's acceptance range, but the premise is that it is legal, compliant and reasonable, such as Regardless of the customer's ability and endurance, whether it is possible to achieve double profits, do not make unreasonable demands or kill the goose that lays the egg. If you have truly solved practical difficulties for your customers and gained benefits, you will be grateful to them. Needless to say, they will thank you. It all depends on your expectations (desires). Let me first say that you will always be happy with what you have.

If you are a non-credit bank, you should provide honest and practical services and sincerely influence customers. You should have good financial products in hand, product configuration plans suitable for customers, give priority to customers when giving gifts, and provide customers with personalized products in a targeted manner. Provide customers with some timely and effective information. If customers establish a very good relationship with you and think of you when they have any difficulties or needs, you can also solve their problems and you will also get various benefits.

The benefits mentioned above can only be obtained through long-term high-quality service and sincere treatment of others. If you want to make quick money or a windfall, you can use it. If you want to make quick money and windfall, you can refer to other netizens’ replies and read the bank’s various penalty cases. They have teachings, and you can learn it if you study hard

The president of a branch has quite a lot of management authority, but the most important ones are in attracting deposits and handling business. Of course, when it comes to business, there are also many opportunities for cooperation.

When I was doing business in the past few years, I was fortunate to have contact with several branch presidents, and I felt very good about them. I think there are several points on which we can cooperate in business:

1. Paper, daily necessities, and gifts.

For banks, the most commonly used items are paper, daily necessities, and gifts. Paper, many readers may understand at first glance. All companies need to use printing paper, white paper, etc., and banks are no exception. So, what about daily necessities and gifts?

When you go to a bank, you will often see disposable paper cups next to the water dispenser.

Don't underestimate this paper cup. The daily flow of depositors in banks is often quite large. In addition, the use of bank staff and the use of high-net-worth customers means that the consumption of this paper cup is not small. Many readers may think that paper cups don't make much money at all. Manufacturers that make paper cups for banks often also make other stationery products, such as pens, tapes, staples, etc., which banks need.

Therefore, you can talk to the branch president about this aspect of business, and cooperation is possible.

Then there are gifts. Banks also consume a lot of gifts. Of course, these gifts are not sugar-coated bombs as everyone knows, but benefits or gifts for depositors, high-net-worth customers, and employees. When there are no holidays, the bank will launch a campaign where deposits of 50,000 will give gifts and deposits of 100,000 will give gifts. Then, this gift is also a business, you can recommend it to your friends. Although the consumption is limited, it happens every year, and it is also a good business cooperation.

2. Opportunities for indirect cooperation with the president.

The business world pays attention to connections. Banks are financial institutions, which can also be understood as institutions that do capital business. Therefore, if the friend of the subject is the president of a bank branch, he will naturally come into contact with a lot of corporate executives, which can prompt you to indirectly form a cooperative relationship.

Teacher Jin has a friend who makes environmental protection equipment and has a good relationship with the president of a branch. At a dinner party, I met another boss who was engaged in breeding and wanted to purchase environmentally friendly equipment. After that dinner, the environmental protection equipment was successfully sold. Therefore, the bank president’s network can indirectly help you broker business cooperation.

Hello friends!

You can consider becoming an intermediary, but you should also be careful of the risks. If you have a familiar friend with good credit, you can help with a loan. If you have an acquaintance with a lot of money, you can help him save some financial products with high interest rates, and you may also be able to charge some agency fees.

My friend is the branch president of a joint-stock bank and wants to do business. It's better to be cautious about this, and you must have a psychological bottom line.

Although it is said that it is not illegal and can make a little money without any embarrassment, once you start to hit the road, you may not be able to stop. Sometimes it may just be too profitable, and if you are not strong-willed, it may be difficult to stop.

Here you can consider being an intermediary to help with two aspects. One is to help customers with loans, and the other is to help customers save high-interest deposits.

Therefore, if you are considering doing business, you should be cautious and have a psychological bottom line.

If you want to gain something, you can also be an intermediary to help some customers get bank loans. As long as you understand the customer's qualifications and other conditions in advance, provide full service to the customer, and the loan interest rate is within the bank's regulations and is relatively favorable, then the customer may understand. It is relatively reasonable to charge an agency fee in this way.

Of course, the key link here is the customer's loan qualifications and the ability to repay the loan. If the customer has these aspects, it may be relatively safe.

In doing so, we must also do a good job in customer service, achieve customer satisfaction, and comply with the requirements of various bank regulations.

Therefore, you can act as an intermediary to help customers obtain loans.

If the bank has some internal high-interest deposits or financial products, it can also help introduce them to customers and help customers handle these products in a timely manner. If the service is good, they may also be able to earn some intermediary fees.

Helping customers with financial management may be a bit more difficult, but if banks really often have high-interest deposits and financial products, you may also make some money as an intermediary.

Therefore, helping wealthy customers deposit high-interest deposit products and financial products in banks can also earn some intermediary fees.

Your friend is the president of a bank branch, so you must be cautious when doing business. If you really want to do it, you can consider becoming a loan intermediary or helping customers with financial management. In this way, you may make some money, and the risk is not too high.

Help them find quality customers.

My friend is the branch president of a bank. In fact, he is also the branch president in disguise. He can take over the sales business of the bank. In fact, banks belong to the financial industry, and the development of the financial industry cannot be separated from sales. Banks , insurance, securities, etc. all require capital investment. If a friend is a bank president, you can use your own resources to be a middleman, connect your friends, and earn a certain amount of profit yourself.

1. Be a middleman and introduce business to the bank president

The commission for small deposit business is not very high, but the commission for large loan business will be relatively large, or for batch account opening, Opening credit card, ETC and other businesses requires interpersonal relationships. Individuals can look for these opportunities, introduce them to the president's friends, and make an appointment with the president's friends to earn a certain amount of commission profit. In this way, you only need to introduce your friends to your friends and you can earn Take profit.

2. Introduce people to go to the bank for interviews

In addition to using your own personal connections, you also need to make good use of the president’s friends. Although the positions in the bank are no longer hot jobs, you can Introduce people to the bank for interviews and sell favors to others so that you can get help if needed in the future. It is just an interview opportunity.

3. Contract the bank to purchase materials

Banks need a lot of paper, paper cups, and holiday gifts every day. If you have these resources, you can use the bank to After contracting the procurement of materials, banks usually purchase them in large quantities, so that they can profit from each purchase. Of course, the premise is that they have the source of these materials and the price/performance ratio is reliable. Bank procurement also has standards.

Finally, my friend is the president of a bank. If you can be a good friend, your own abilities will not be much worse. It is not difficult to use the contacts you have established to help the president's friends develop business. After all, everyone basically maintains a business relationship with the bank, the only difference is the size.

Apply for some interest-free loans, and then go to other banks to deposit half of it on a regular basis. Make a small profit every month. Remember to send me a red envelope [shy]