Xia Qian was surprised, then shook his head, "This is too expensive. Another ten thousand is enough for me to open another express delivery store."
Su Ying glanced at Xia Qian with hatred, "Brother, let me tell you, these 19,800 are well spent.
In addition to a set of "Mutual Talent Crash Course" tutorials, Mr. Liang also gives guidance to everyone in the group from time to time.
Do you know what the Mutual Finance Talent Crash Course is? It takes just one month to train a novice who knows nothing into a talent who can independently start a Mutual Finance business.
I have studied this course carefully, and it is described in detail."
Su Ying took a sip of wine, moistened his throat, and continued: "This course covers risk control management in multiple aspects, including traffic acquisition, pre-loan, mid-loan, and post-loan.
Take traffic customer acquisition as an example. If you are online, you can promote customer acquisition through WeChat, Tieba, loan forums, etc. and other online channels.
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 have received loans can also develop into your subordinate agents, but they must be given a certain percentage of business introduction rebates..."
Su Ying talked eloquently and taught Xia Qian all the knowledge he had learned in the paid knowledge group, including how to acquire customers, how to build a promotion team, etc.
"Actually, you don't have to hand over the 19,800."
Su Ying smiled, "Because I've almost learned it, so I'll teach you."
Xia Qian looked hesitant. Although 19,800 was expensive, he could still afford it. He mainly struggled with what his cousin had told him not to do.
Seeing that Xia Qian was silent, Su Ying felt that he needed to add some more exciting information. He opened WeChat and showed Xia Qian a picture of the WeChat group "Mr. Liang Talks about Finance".
He added: "Look at this number for yourself, this is Mr. Liang's record in March.
With a principal of 5 million, the total loan amount in the first week was 7.14 million. Well... only 5 million was actually lent, and the principal interest was cut by 30%.
After deducting 12% bad debts and adding 24% annual interest, 6.31 million was recovered with interest in the first week.
Then in the second week, 6.31 million was actually released, but the contract amount was written as 9.01 million... 8.04 million was actually recovered at the end of the contract.
…
5 million principal, four weeks a month, rolled over 4 times with principal and interest, the contract loan amount is 42.2 million, and the final principal and interest recovery is 12.76 million."
"Tsk tsk tsk!"
Su Ying let out an exclamation, glanced at Xia Qian again, and said, "Have you seen, what does it mean to make money in a good way, earning 7.76 million from 500 yuan a month?
Oh, by the way, Mr. Liang still has a team. After deducting these labor costs, he can still earn at least 5 million.
Earning 5 million yuan a month, where can you find such a good thing?"
Gu Ling was also dumbfounded and asked: "What does cutting off 30% of the interest rate mean?"
Su Ying smiled, "You don't understand this? I borrowed 1,000 and actually got 700, but you have to pay me back the principal of 1,000 after a week, plus 24% interest."
Su Ying smiled and shook his head, "This doesn't count!"
Then he added, "People in the industry call it super-interest loans."
"Is it illegal?"
Gu Ling was a little worried. What she heard today had a bit of a shock to her outlook.
"How could it be illegal?"
Su Ying laughed and said: "This is such a big deal, it's just a civil case at most.
In our hometown in Dongou, private lending is very prosperous. Interest rates such as beheading are 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 in the contract is 24% annually."
"What about the 30% beheading interest rate?" Xia Qian asked.
Su Ying waved his hand, "The electronic IOU on the loan bank didn't say this? It's just a normal loan with an annualized rate of 24%.
Lending website is only responsible for brokering loans and does not provide any guarantee.
Payments are made privately by borrowers and lenders using third-party payment software, such as PayPay and WeChat Pay.”
"What if someone doesn't pay back?" Gu Ling asked. In her opinion, this kind of online borrowing was too unreliable, and there must be many people who borrowed money but didn't pay back.
Besides, with such high interest, who will pay it back?
"This is thanks again to the awesome lending platform. They have a risk control system that can check the past repayment records of each loan applicant, as well as the status of the total debt."
Su Ying smiled and said, "By the way, there is also the debt collection team of Liandianbei, bad debts can be entrusted to them.
They can read the address book of loan applicants and bombard those who are overdue with phone calls.
Then call the relatives and friends of overdue users, insult them and put pressure on them, or pretend to be a public prosecutor to scare them..."
"The country doesn't care?"
Su Ying smiled at Xia Qian, "Lending has always been around. It has a history of thousands of years. It's just a matter of one's willingness to pay and the other's.
The country has not yet officially promulgated relevant laws, so as long as there are no vicious incidents in the collection process, it will be fine."
"Look at people like Paybay, and your cousin, it's okay to put in hundreds of billions a year."
Xia Qian said: "This is incomparable. My cousin's platform has very low interest rates. They are all formal platforms. I heard that they also obtain loan funds from banks."
Su Ying didn't say anything anymore. What Xia Qian said was right. Pay Bei and the others were indeed very formal. They couldn't compare with him and others. To put it bluntly, they were just playing around.
“Last year, we worked together to promote the registration and download of Baidu Bei. After the promotion was completed, I started to study this platform.
I was very curious at the time, how could they get the money back after they had spent 40 to 50 billion?"
Su Ying looked proud, "Later, I really found a way to make a fortune.
Xia Qian, guess how much I have earned in the past few months?"
Xia Qian was also very curious. He knew that Su Ying had started doing this at the end of last year, and at that time he wanted to get himself involved.
But because of his cousin's dissuasion, he gave up. It was almost two months since school started, and he also wanted to know how much money Su Ying earned.
Gu Ling knew that her boyfriend was rich and his family was in good condition. He should have made a lot of money by doing this loan online, but she had never heard him say a specific number. At this time, she also pricked up her ears and listened carefully.
Su Ying made an "OK" gesture.
Xia Qian guessed that it was definitely not 30,000, and asked: "300,000?"
Su Ying nodded and sighed again, "The capital is less, my original investment is only 100,000 yuan.
If it was 1 million, I might be making 3 million now."
Xia Qian felt strange because he worked so hard to run a courier service and only earned 4,000 yuan a month.
Su Yingniu was enjoying herself and her life was smooth, and she actually had an income of more than 100,000 yuan a month.
"How about it?"
Su Ying looked at Xia Qian with a smile and asked, "Do you want to guard your express delivery, or do you want to do this with me?"
"Let me think about it again!"
Although Xia Qian was very tempted, his reason told him that the more profitable something is, the more risky it is.
"What else are you thinking about?"
Su Ying was also a little impatient, "I'm definitely going to take off this year, and since you are a brother, I will take you with me."
In addition, my family has raised another 1 million for me, so I will definitely do something big this year.
I already have my eye on Lamborghini, and I will buy one in full when I make enough money."
Xia Qian looked at the domineering Su Ying and for a moment he really envied him.
Even if he has a beautiful girl by his side every day, he almost owns a Lamborghini.
Winner in life!
Although he is not as good as his cousin, his height makes me look up to him.
"I don't have that much money?"
Xia Qian heard Su Ying say that his family wanted to "invest" 1 million in him, and when he thought about it, he couldn't help but feel a little disappointed.
"Your cousin has it!"
Xia Qian shook his head, "He will definitely not invest in me! I mentioned this during the Chinese New Year, and he scolded me like crazy."
"At his level, he will definitely look down on such a small amount of money."
Su Ying added: "I don't mean to let him invest. I want the two of us to form a company to establish a financial cooperation with platforms such as Yimin Wangjin or Ruimin Financial Management.
They provide us with funds and we pay interest."
"Forget it!"
Xia Qian thought for a while, but due to Zhang Yida's power, he still did not dare to agree to Su Ying's request.
Su Ying sighed, lit a cigarette by himself, and said, "You are afraid of wolves in the front and tigers in the back. If you say something unpleasant, it's unlikely that anything big will happen."
Xia Qian was not yet nineteen years old, and he was still young and energetic. When he heard this sentence, he was not happy. He said: "If you can't make it, you can't make it! At worst, I will drive for my cousin in the future."
Su Ying felt so uncomfortable in his heart, brother, why are you not moral at all?
With a cousin like Zhang Yida, it would be a waste not to use such good resources!
"Hey, this is it."
Su Ying thought of a good idea and said, "Just hide it from your cousin and say that this company belongs to me alone.
You can introduce me to him again and let me talk to him.
Just do it this way, whether it succeeds or not, I will accept your favor."
Xia Qian thought for a while, this method seemed good, but he didn't know if Su Ying could convince his cousin.
"Okay! I will help you introduce it, but you must not say that I am involved."
Su Ying patted his chest and said, "Don't worry! I will definitely not shake you out."
…
"Weimin, what are you doing with this paid-for-knowledge community? Even if you have 500 people, it's still less than 10 million.
We might as well concentrate on making IOUs and earn this 10 million in one month."
Liang Weimin’s partner advised.
Liang Weimin shook his head. He has matured a lot after experiencing several failures. He smiled and said: "Ten million is also love! Who can't live with it?
Moreover, our community is now operating, and if they don’t have enough funds, they can recommend customers to us.”
"Okay, you have a point!"
The partner asked again: "What are your plans for the follow-up? Are you going to rely on loans?"
"Lianduo Bei is still very good, and the traffic is very large." Liang Weimin praised Lianduo Bei and then said, "However, we can't put all our treasure on Lianduo Bei.
We have to consider building our own lending platform.”
"That's true!"
The partner nodded and took out his mobile phone with a smile, "Here, let me show you a baby."
"What is it?" Liang Weimin walked over.
"This figure is not bad! The new Guo Loan has recently been released, should we follow up?
With this thing, the bad debt rate can definitely be suppressed."
"Who the hell came up with this? What a talent! What a genius!"