"You want to start a business, do you have a direction?"
Although Zhang Yida did not believe that Xia Qian had the ability to start a business, it was not easy to pour cold water on him directly.
Seeing that he had been the target of so many human beings when he was young, I decided to give him some advice.
"Yes, I want to do Internet finance."
Zhang Yida looked at Xia Qian from head to toe and asked, "The Internet financial industry is in deep water! Jack Ma and I are both walking on thin ice.
Are you sure you have the ability to do it well? I think you should open a express delivery shop in school!"
"No!" Xia Qian felt that his cousin looked down on others and said stubbornly: "How much money can I make from express delivery? I will do Internet finance."
"You only saw thieves eating meat, not being beaten!" Zhang Yida smiled, "Internet finance also has many vertical subdivisions. Which one do you want to do?"
"Lending! Online lending!"
Zhang Yida shook his head, "It's not that easy? If you want to start a business, who are your partners? How much is the principal? How will you develop your business? Who will you lend to? Where will the principal of the loan come from? What should I do if there are bad debts..."
Xia Qian was confused by Zhang Yida's series of questions. He pondered his thoughts before replying: "I have partners who are my college classmates. Their combined capital is 100,000 yuan."
Our business is launched through Lianduibei. The lending targets are the users on Lianduibei. The loan principal depends on the 100,000 yuan. If there is a bad debt, Lianduibei will help us collect it..."
Borrowing money is very harmful! Zhang Yida lamented: Even college students like Xia Qian who have scraped together 100,000 yuan have the opportunity to get involved in online lending.
It can be said that the one-stop service of traffic acquisition, risk control and collection provided by Diandaibei has lowered the entry threshold for the entire online loan industry.
When these small institutions or individuals come in to lend money, they know with their toes what the consequences will be.
Just come in, grab a handful and run away, give high interest rates, and rush...
Users borrow money from regular low-interest-rate platforms such as credit cards, Huabei, Baitiao, and Loebei to repay the money from high-interest platforms.
Loans are used to support loans, and bad money drives out good money! The final outcome is that good institutions are brought down, user wallets are drained, and high-interest platform controllers take advantage and run away, leaving behind a mess.
"How did you come into contact with Lianyibei?" Zhang Yida looked at Xia Qian with a serious expression, "This platform is very dangerous, don't touch it!"
Xia Qian said disapprovingly: "I think borrowing money is very good. Their slogan is "Let the world have no difficulty borrowing money!"
Brother Da, let me tell you that last year, Lianduibei promoted 4 billion. This company is very powerful.
I also seized this opportunity last year and promoted more than 3,000 people, earning a total of 60,000 to 70,000 yuan!
In just two months, I promoted it to all the university towns near Pidu!"
Zhang Yida was angry and amused when he saw his cousin boasting about his achievements in front of him, and asked him: "I know both Hu Gang and Wang Xiaojie, the bosses of Lianduibei. We even have partnerships with Hanzhou Securities and Hantai Fund." invest.
Hu Gang approached me several times, but I refused to invest or borrow money. Do you know why?"
Xia Qian shook his head, and Zhang Yida explained to him: "I am not optimistic about the loan-to-pay model. Sooner or later, it will be ruined by people with ulterior motives."
"Who has ulterior motives?" Xia Qian asked again.
"That's your kind!"
Xia Qian was very angry after hearing this. Why did I become a person with ulterior motives? I am even more unjust than Sister Dou E!
However, he did not dare to talk back to Zhang Yida, so he could only whisper: "I just want to make some money."
"You don't know the interest on loan money, right?" Zhang Yida began to educate, "The contract amount is 1,000 yuan, you get 700 yuan, and you will pay back 1,050 yuan a week later.
Annualized 2600%!
Do you think doing this violates the law?"
"How do I know?" Xia Qian muttered as he saw his cousin's face getting more and more ugly.
"You don't know, you don't investigate clearly, how dare you do this job! Do you plan to make a living in the country in this life?"
If Zhang Yida didn't see that he was his cousin, he would never care about his life or death.
Knowing that he was too young and had been blinded by money, he patiently explained to him: "Within 24% annual growth, the country supports and recognizes it; between 24% and 36%, the country also acquiesces, but once there is trouble, If you go to court, you will not be supported;
If it exceeds 36%, it is illegal!”
"Then... Brother Da, how many years will this sentence last?"
Zhang Yida looked at his cousin who had been "bluffed" by him, and decided to add another fire, "Serious punishments include life imprisonment!"
Xia Qian was really scared now. He was only 18 years old, and he didn't want to risk his life's freedom for a little money.
No time limit, that is really life worse than death!
"Brother Da, I listen to you. I don't want to do this anymore. I'm going to open a courier shop!"
Zhang Yida successfully "persuaded" a young man who almost went astray, and he still felt a sense of accomplishment.
He finally showed a smile to Xia Qian and said: "Do it well! I will find you another job to be the "promotion ambassador" of DouShi. There are many beautiful girls in your school, so you can invite them to do DouShi filming. Video becomes an internet celebrity.
In addition, I will ask DouShi to give you a bonus every month based on your work performance.
How about it? This is a good job! All the pretty girls in the school will be around you.
After you graduate, I will support you in setting up an M organization."
Xia Qian had been fascinated by the beautiful blueprint Zhang Yida had drawn for him, and began to dream about his beautiful days in the future "surrounded by beautiful people".
He nodded heavily towards Zhang Yida, "Brother Da, don't worry, I will definitely trick the most beautiful girl in our school into dithering."
"How can it be called cheating? That's called signing a contract! DouShi will definitely have a future in the future, and it is much better than those live broadcast platforms."
Xia Qian has now given up on his "mutual gold dream" and began to discuss the advantages and disadvantages of dithering with Zhang Yida. He said:
"Although TikTok is a great experience and very addictive, you can't make money! There are rewards for live broadcasts!"
"We haven't attracted enough users yet, so we won't consider commercial monetization this year."
Xia Qian was a little embarrassed, "Then how do I convince people to join DouVis?"
"You are like this..."
Zhang Yida began to teach "unique tricks".
After a while, Xia Xiaorong came and asked the two brothers to go out for dinner.
Before leaving, Zhang Yida emphasized to Xia Qian again, "You must not touch mutual funds. If you really want to do it, I will send you to Indonesia after you graduate."
"Brother Da, don't worry! I've listened to everything you said. I don't want to be in darkness for the rest of my life!"
At the dinner table, Xia Xiaorong asked: "What were you two talking about in the study? You went in for several hours before you came out."
"Uh!" Zhang Yida quickly found an excuse, "We were just talking about starting a business. Xia Qian wanted to do a work-study program and asked me what I could do?
I gave him a suggestion and opened a courier collection store."
"This is a good thing! Xia Qian has been smart since he was a child, and he will definitely be more promising than your brother in the future." Zhang Qinghua praised with a smile.
"I don't dare to compare with my brother Dago. I will be satisfied if I can buy an apartment in Chengdu with my own efforts in the future!"
Zhang Yida's uncle Xia Guoping rarely praised his son, "Finally, he is sensible. Learn from your brother. Don't be too ambitious, and be down-to-earth and open a courier store."
If you are short of money, my family will support you."
"There is no shortage of money. I earned tens of thousands from my part-time job, which is enough to open a courier station."
"What kind of part-time job do you do? Can you still earn tens of thousands? Why didn't you tell your parents about this?" Aunt Ni Ling asked aloud.
No matter how Xia Qian explained it, his parents didn't believe it: He only went to college for half a year and already made tens of thousands of dollars. Do you think you are your cousin?
In the end, it was Zhang Yida who came to the rescue and explained Lianbei's behavior of "throwing money". Finally, my uncle and aunt reluctantly accepted that their son was making money.
Looking at the aggrieved Xia Qian, Zhang Yida also felt that his uncle and aunt had gone too far and should give more trust to the children.
So Zhang Yida said: "Actually, when I first started my business, my parents also didn't trust me. Or I can't say they didn't trust me, they just felt that you couldn't do a good job.
I had no choice but to secretly use my home’s real estate certificate as a mortgage loan, and then I scraped together enough capital to start a business.”
Zhang Qinghua and Xia Xiaorong were a little embarrassed: Why does this kid say everything to others?
"Actually, the reason I say so much is to make my uncle and aunt have more trust and understanding of Xia Qian."
Xia Guoping knew what his nephew was like. He was the chairman of a listed company and a rich man on the Forbes list...
Therefore, even though Zhang Yida is a junior, what he says should still be taken seriously.
So Xia Guoping nodded, "Yida, you are right, it was my uncle and aunt who didn't do it well. We will definitely change it in the future."
"Yes!" Ni Ling also echoed her husband, "We must learn from the eldest sister and brother-in-law!"
"Don't you two say that Xia Qian is not good and that is not good. Isn't "encouragement education" popular now?
The more you encourage, the more confident your children will be in doing things."
Xia Xiaorong turned to look at Xia Qian again and said with a smile: "Come on, Auntie will always support you. It doesn't matter if you fail, just accumulate experience!"
After her uncle's family left, Xia Xiaorong said to Zhang Yida: "Why do you encourage your brother to start a business? Entrepreneurship is so easy to start?"
"How will you know if you are the right one if you don't try?" Zhang Yida couldn't tell his mother all Xia Qian's dangerous thoughts, so he had to make up a nonsense reason.
"You, you!" Xia Xiaorong pointed at Zhang Yida and said, "In the future, have you ever thought about letting your brother work in your company?"
"No!" Zhang Yida shook his head like a rattle. Seeing that his mother's face looked ugly, he explained:
“Our company is now full of professional managers, and it is not popular to insert relatives into the company.
I support his entrepreneurship, and I just want to support him in the future. He can just do his own business well."
"Okay then! There is only one child in your uncle's family. Now that you are capable, take care of him more when you have the chance."