Winning the new financial era

Chapter 283 The Flower of Sin
"Do you want 19800 yuan?"

Xia Gan was surprised, and then shook his head, "It's too expensive, adding another [-] is enough for me to open another express store."

Su Ying glanced at Xia Gan bitterly, "Brother, let me tell you, the 19800 is well worth the money.

In addition to a set of "Mutual Finance Talent Crash Course" tutorials, Mr. Liang also gives advice to everyone in the group from time to time.

Do you know what a mutual gold talent crash course is?It takes only one month to train a novice who doesn't know anything into a talent who can independently start a mutual fund business.

I have studied this set of courses carefully, and the lectures are so detailed. "

Su Ying took a sip of wine, moistened his throat, and continued to speak: "This set of courses includes risk control management in multiple links such as traffic acquisition, pre-loan, loan process, and post-loan.

Take traffic acquisition as an example. Online, you can promote customer acquisition through various network channels such as WeChat, Tieba, loan forums, etc.

Offline, you can recruit campus agents from various schools, such as campus part-time teams on platforms such as Miaofenqi and Lefenqi.

These people have many customers and know who is short of money.

In addition, customers who come to borrow money can also develop into your sub-agents, but they must be given a certain percentage of business referral rebates..."

Su Ying talked eloquently, and taught Xia Gan all the knowledge he had learned in the knowledge payment group, including how to acquire customers, how to build a promotion team, and so on.

"Actually, you don't have to pay the 19800."

Su Ying smiled, "Because I've learned almost everything, I'll just teach you."

Xia Gan looked hesitant. Although 19800 was expensive, he could still afford it. He was mainly entangled in what his cousin told him not to let him do these things.

Seeing that Xia Gan didn't speak, Su Ying felt that he needed to add more information. He opened WeChat and showed Xia Gan a picture in the WeChat group "President Liang Talks about Finance".

He added: "Look at this number yourself, this is Mr. Liang's record in March.

With a principal of 500 million, the total loan amount in the first week was 714 million, um...actually only 500 million was loaned out, with a 30% head interest cut.

After deducting 12% of the bad debts and adding the annualized interest of 24%, the first week with principal and interest was recovered 631 million.

Then in the second week, 631 million yuan was actually released, but the contract amount was written at 901 million yuan... 804 million yuan was actually recovered when it expired.

……

500 million principal, four weeks a month, rolling 4 times with principal and interest, the contract loan amount is 4220 million, and the final recovery of principal and interest is 1276 million. "

"Tsk tsk tsk!"

Su Ying let out a cry of exclamation, then glanced at Xia Gan again, and said, "See, what does it mean to make money in a proper way, earning 500 million a month for 776.

Oh, by the way, Mr. Liang still has a team. After deducting these labor costs, he can earn at least 500 million.

500 million earning 500 million a month, where can I find such a good thing? "

Gu Ling was also dumbfounded, and asked, "What is 30% head interest cut?"

Su Ying smiled, "You don't even understand this? You just borrowed 1000, and you actually got 700, but you have to pay me back the 1000 principal after a week, plus 24% interest."

Gu Ling whispered: "Is this... high... interest rate?"

Su Ying smiled and shook his head, "This doesn't count!"

Then he added, "People in the industry call it superlative loans."

"Is it illegal?"

Gu Ling was a little worried. What she heard today had a little impact on her three views.

"How could it be against the law?"

Su Ying said with a smile: "This is a big trouble, at most it is a civil case.

In our hometown of Dongou, private lending is very prosperous.Beheading or something, that's quite normal. "

Speaking of this, Su Ying smiled mysteriously, "The most important thing is that all our procedures are legal, and the interest rate cap on the contract is 24% per annum."

"What about the 30% beheading rate?" Xia Gan asked.

Su Ying waved his hand, "Isn't this written on the electronic IOU on the loan box? It's a normal loan with an annualized rate of 24%.

The lender is only responsible for matching loans and does not provide any guarantee.

The payment is done privately by the borrower and the lender using third-party payment software, such as Alipay and WeChat Pay. "

"What if people don't repay it?" Gu Ling asked. In her mind, this kind of online loan is too unreliable, and there should be many people who borrow money and don't repay it.

Besides, with such a high interest rate, who will pay it back?
"This is thanks to the awesome lending platform. They have a risk control system that can check the past repayment records of each borrower and the situation of joint debts."

Su Ying smiled and said, "By the way, there is also the collection team of Loanbei, bad debts can be entrusted to them.

They can read the address book of loan applicants and bombard overdue users with phone calls.

Then call the relatives and friends of overdue users, insult and pressure them, or pretend to be a public prosecutor to scare them..."

"Doesn't the country care?"

Su Ying smiled at Xia Gan, "Lending has existed for thousands of years, one is willing to fight and the other is willing to suffer.

The country has not yet officially promulgated relevant laws, as long as the collection process does not cause any vicious incidents, it will be fine. "

"Look at the payment of others, and your cousin, it's okay to put thousands of billions a year."

Xia Gan said: "It can't be compared. My cousin and his platforms have very low interest rates. They are all formal platforms. I heard that they also obtain lending funds from banks."

Su Ying didn't say anything more, Xia Gan was right, Wei Bei and the others were indeed quite formal, and they couldn't compare with others, so to put it bluntly, they were playing around the edges.

"Last year, the two of us worked together to promote Zadaibei Registered Download. After the promotion, I started to study this platform.

I was very curious at the time, how could they get back the money after spending four or five billion yuan? "

Su Ying looked smug, "Later, I really discovered a way to get rich.

Xia Gan, guess how much I have earned in the past few months? "

Xia Gan was also very curious. He knew that Su Ying had started to do this at the end of last year, and he wanted to recruit himself into the group at that time.

But because of my cousin's persuasion, I gave up.It was almost two months since school started, and he also wanted to know how much money Su Ying made.

Gu Ling knew that her boyfriend was rich and his family was in good condition, and he should have made a lot of money from this online loan, but he had never heard him say the specific figures.At this moment, she also pricked up her ears and listened carefully.

Su Ying made an "OK" gesture.

Xia Gan guessed that it must not be 3, and asked, "30?"

Su Ying nodded and sighed again, "The capital is less, my original investment is only 10 yuan.

If it is 100 million, it may be earning 300 million now. "

Xia Gan felt strange, so he set up a courier service by himself, worked hard, and only earned 4000 yuan a month.

Su Yingniu is soaking, and her life is nourishing, and she actually earns more than 10 yuan a month.

"How about it?"

Su Ying looked at Xia Gan with a smile on his face, and asked again: "Do you want to guard your courier, or follow me to do this?"

"I'll think about it!"

Although Xia Gan was very tempted, his reason told him that the more money he made, the more risky he was.

"What else are you thinking about?"

Su Ying also got a little impatient, "I'm definitely going to take off this year, so I'll take you because you're a brother.

In addition, my family raised another 100 million for me, and I will definitely do a big job this year.

I'm already optimistic about Lamborghini, and I'll buy one with full money when I earn enough money. "

Xia Gan looked at the domineering Su Ying, and was really envious of Su Ying for a while.

It's fine to have a beautiful girl to accompany him every day, but he almost owns a Lamborghini.

Winner in life!

Although it is not as good as my cousin, but its height is also very impressive.

"I don't have that much money?"

When Xia Gan heard Su Ying say that his family would "invest" 100 million in him, thinking about himself, he couldn't help but feel a little disappointed.

"Your cousin has it!"

Xia Gan shook his head, "He definitely won't invest in me! I mentioned this during Chinese New Year, and he scolded me bloody."

"At his level, he definitely doesn't care about such a small amount of money."

Su Ying added: "I don't mean to let him invest. It's the two of us forming a company to establish a financial cooperation with platforms such as Yimin Wangjin or Ruimin Financial Management.

They provide us with funds, we pay interest and so on. "

"forget it!"

Xia Gan thought for a while, but due to Zhang Yida's lust, he still didn't dare to agree to Su Ying's request.

Su Ying sighed, lit a cigarette by himself, and said, "You are afraid of wolves and tigers, so if you say something that doesn't sound good, it won't make a big deal."

Xia Gan was not yet 19 years old, and he was young and full of energy. When he heard this sentence, he was unhappy. He said: "If you can't make it, then you can't make it! At worst, go and drive my cousin later."

Su Ying felt so uncomfortable, brother, why are you not up to the mark at all?

With a cousin like Zhang Yida, it would be a waste to use up such a good resource!

"Hey, that's it."

Su Ying thought of a good way, and said: "You just keep it from your cousin, and say that this company belongs to me alone.

You introduce me to him again and let me talk to him.

Just do it like this, whether it succeeds or not, I owe you a favor. "

Xia Gan thought about it, this method seems to be good, but I don't know if Su Ying can convince his cousin.

"Okay! I'll recommend it for you, but you must not say that I am involved in it."

Su Ying patted his chest, "Don't worry! I will never shake you out."

……

"Weimin, what are you doing with this knowledge payment community? It's less than 500 million when you have 1000 people.

Why don't we concentrate on making good IOUs and earn the 1000 million in a month. "

Liang Weimin's partner persuaded.

Liang Weimin shook his head. Having experienced several failures, he has matured a lot. He smiled and said, "1000 million is also love! Who can't follow?
And our community has started to operate, and they can recommend customers to us if they don’t have enough funds. "

"Okay, you're right!"

The partner asked again: "What's the plan for the follow-up? Just rely on loans to do it?"

"Xiandai is still very good, with a lot of traffic." Liang Weimin praised Qiandai, and then reversed, "However, we can't put all our treasures on Qiandai.

We have to consider building a lending platform by ourselves. "

"It is!"

The partner nodded, and took out his mobile phone with a smile, "Come on, let me show you a treasure."

"What is it?" Liang Weimin walked over.

"This figure is not bad! Recently, the new fruit loan, should we follow up?
With this thing, the bad debt rate can definitely be suppressed. "

"Who the hell came up with this? It's a genius! A genius idea!"

　Thanks: Akshwarya, lmc0226, Bodhidharma jungler for the reward!

　　
　
(End of this chapter)