Chapter 133 Gunlibao

When he was almost at the third floor, Lin Fan's smile on his face gradually calmed down and his face was expressionless.

Wu Chuan looked around with a look of light, and he vaguely saw that there were many eyes in the corners around him, looking at them.

After a while, I arrived at the third floor.

A young man stood at the entrance of the stairs and greeted them.

The young man is about 20 years old and wears suits and ties and glasses, giving people a gentle and gentle feeling. A warm smile on the corner of his mouth makes people feel like spring breeze and it is easy to create trust.

"Hello, two gentlemen!"

The young man said: "My name is Xu Zhi, I am the director of the marketing department of Zhuoqianbao Financial Company. Just call me Xiao Xu."

As he said that, Xu Zhi reached out to Lin Fan and the others.

After a simple handshake, Xu Zhi brought Lin Fan and Wu Chuan into the living room.

"Please sit down, two!"

Xu Zhi asked the two to sit down.

Lin Fan was not polite either. He sat on the sofa, but Wu Chuan stood behind him, crossed his hands in front of him, looked at the entire living room with his eyes silent.

Xu Zhi was slightly stunned, then smiled, as if he had thought of something, and without asking more questions, he made tea for Lin Fan.

"Sir, look very handsome and young. Haven't you asked Mr. Daming yet?" Xu Zhi smiled.

"Lin Fan."

"So it's Mr. Lin, I'm lucky to meet you!"

Xu Zhi still had a smile on his face: "I heard that Mr. Lin wants to buy our company's financial products. But to be honest, most of the people who buy our company's products are older uncles and aunts, and our main sales targets are also people in their fifties and sixties. This is the first time I have met such a young customer."

This sounds like a declarative sentence, but it has a meaning in it. How did you know our financial products and the age group of our sales targets? It’s not like you!

Lin Fan could naturally hear the meaning, and he smiled:

"I heard from my father-in-law that he said that he would make 5 million in a year. When I thought, it was an opportunity for me, and I had to hold on! I immediately found your company's location and rushed over without stopping, wanting to buy your financial products."

"I see!"

Xu Zhi immediately understood, and his vigilance disappeared.

"Minister Xu, I have a doubt. Can you answer it for me?" Lin Fan said again.

"Mr. Lin, you said that it is my responsibility to answer questions for customers." Xu Zhi smiled slightly.

"I have one million on it now. If I buy all your financial products and don't make ten million in a year, what should I do?" Lin Fan asked hesitantly.

"Impossible! Mr. Lin, don't worry about this. Since we Zhuan Qianbao dares to advertise like this, we must have this kind of confidence!"

Xu Zhi waved his hand and looked serious:

"Let's do this, let me tell you about the operation process of our Zhuanqianbao. After you understand, you will definitely have great confidence in our financial product."

"Okay, you say." Lin Fan took a sip of tea, looking expectant.

"The name of our financial product is Gunlibao, which means that Gunli, keep going." Xu Zhi instructed:

"The operation process is that when customers buy our Gunlibao product, we use this money to lend, online and in various channels. The main lending targets are some college students and graduates who have just left campus."

He smiled: "Mr. Lin, people of this age have a characteristic, you should know that college students like to consume and pursue excitement, and if they want to achieve this goal, they must be rich."

"But what money can a student have? I'll give my family a 2,000 yuan living expenses a month. This 2,000 yuan is useless in modern society? You think that college students, buying clothes, buying digital products, checking rooms with their partners, eating hot pot, etc., will cost money. Two thousand yuan is not enough!"

Lin Fan nodded: "What you said makes sense, keep talking."

"What should I do if I don't have enough money? I can only borrow money! College students have another characteristic, that is, they need face. An adult will ask their parents for money when they enter university, which is so embarrassing, and this money is used for food, drink and fun."

"Since that's the case, they only have one way to go, borrow money from various platforms and financial institutions online, which is why our Goulibao financial products exist."

Xu Zhi was a little thirsty, took a sip of tea and continued:

"We will lend all the money given to us by customers to these college students and earn interest. For example, 1,000 yuan is lent to a person, with a period of seven days. After the expiration, if we repay 1,300 yuan, we will make 300 yuan in vain."

"The interest rate is so high?"

Lin Fan's eyelids twitched: "Borrow one thousand yuan for seven days, repay the loan of one thousand three thousand when it expires. Is this usury? Is the law allowed it?"

"The law does not allow it, we can take advantage of the legal loopholes!"

Xu Zhi gives Lin Fan a look you know:

"For example, if a college student borrows 1,000 yuan, we can lend him 75 yuan. Of which 25 yuan is the service fee, and the service fee is not considered interest! After the seven days expires, we will pay back 1,050 yuan. After this calculation, the interest is only 50 yuan, not much!"

Lin Fan nodded: "If I calculate this way, it's really not a loan shark. But those students are not fools, would they borrow this money?"

"Of course!"

Xu Zhi said: "They will feel that this amount of money is not much anyway, and they can be paid back in a week. Even if they can't pay it back, they can still repay it in installments. If they can't pay it back in installments, they can also borrow money from other financial institutions and break up the east wall to make up the west wall. Mr. Lin should not doubt the consumption and repayment ability of college students."

He added: "Of course, if someone doesn't pay back the money, then we have other means of dealing with it, such as violent debt collection, bombing the college student's mobile address book, and making the student famous."

"This is the most amazing trick. College students love face, so how can they make their address book bombarded? In the end, they will still pay back the money. Even if they use loans to support loans, they will have to pay it back."

Hearing this, Lin Fan frowned slightly.

Most college students are indeed mentally polite as Xu Zhi said, loving face but having no money.

However, Xu Zhi's company used this mentality to lend money to usury, which made him a little disgusted.

Xu Zhi said proudly: "In order to deal with these college students who can't afford to pay back their money, our company has also set up a collection department, which bombs 24 hours a day, sends lawyers' letters, entrusts third parties to come to the door, and even directly finds school leaders to put pressure on them from multiple parties. So far, there are really few college students who dare not pay back the money."

"Two days ago, there was a student who couldn't bear the pressure and jumped off the building. But what does this have to do with us? He borrowed money himself, one is willing to fight and the other is willing to be beaten. Mr. Lin, do you think so?"
Chapter completed!