In the early days, the credit line was still manual, and the manual credit line could not be very small. Because the smaller the loan amount, the larger the audience and the larger the market. As a result, fax number database the company needs to deploy more people. In the past, it was possible for one auditor to audit 20 per day. Even with some auxiliary tools, the maximum number of audits per day was 60. In this case, it will be more difficult to carry out nationwide business, and especially if the fund is not held by the company itself, even if the fund is held by itself, it will have a holding cost.
If the company does not release this cost for a long time, then it will be a net loss, because the company still needs to pay the provider of the source of funds the interest due to the corresponding interest rate. 1. Quota calculation The calculation of the quota actually b2b data calculates the repayment ability, that is, whether the customer's repayment ability can reach the amount recognized by the company during a loan period. For example, a person with a monthly salary of 3,000, is a working-class, fax number database white-collar worker, and his income is the first source of repayment. Maybe we think that this customer has only this source of repayment.
In theory, the maximum total loan amount that this customer can afford in a year is 36,000 yuan, but it is impossible for 100% of the 36,000 to be used for repayment, so we may multiply his monthly salary by 10 to calculate 10 months. Therefore, if the credit card lends money to this customer, we will use 10 times the monthly income calculated for him to fax number database make the loan, so we also need to look at the maximum limit of the repayment ability that each customer can bear.