In a bustling nightclub in Jakarta, Xia Gan raised his bottle and invited two other people to drink.
Su Ying was not as dashing as Xia Qian. He was almost worried to death, so he had no time to drink.
Together with Brother Hua and several relatives from his hometown in Dongou, he pooled together tens of millions and prepared to replicate in Indonesia the way to make a fortune in China.
Who would have thought that after only half a year, I would encounter a taxi driver? It was so unlucky.
I didn’t lose money, but it cost a lot of money to build the system and purchase traffic in the early stage, and I basically couldn’t make two.
There is also a debt that has not been recovered. Indonesian officials have issued instructions to the people not to pay back the money. It is estimated that many Indonesian people must have defaulted on the debt. There is no expectation of recovering much of this debt, and it can only be accrued as bad debts.
The APP was also named by the Indonesian OJK and was removed from the Google App Store.
It is estimated that this lending business will no longer be possible in Indonesia.
Brother Hua was older and had experienced more things. He smiled and comforted his little brother, "Su Ying, don't be discouraged.
There is a saying... Oh, the world is so big, I want to see it.
If Indonesia doesn’t work, let’s just change it. Isn’t there Vietnam, the Philippines, Thailand, and Malaysia?
If that doesn't work, go to India. I've heard in the past few days that many teams like ours plan to move to India. With a population of 1.3 billion and nearly 500 million Internet users, the market is larger than the entire Southeast Asia combined.
There are also those going to Kenya in Africa, Ukraine, Brazil and Mexico in Eastern Europe.
The world is huge and there are many markets.”
Xia Qian also learned about the taxi incident from them, and comforted him: "Yes, Brother Hua said it well, why hang yourself on a tree?"
"Come here, take a piece of Huazi and relieve your troubles."
Xia Qian took out a pack of soft Chinese and gave one to Brother Hua and Su Ying each.
The three people began to puff away their words.
"Brother Xia Gan, your cousin is more comfortable. This time all the gold diggers were buried in the mines. Water sellers like them will be much less affected."
Xia Qian didn't understand it at first, but after thinking about it for a while, he understood what Brother Hua meant.
He smiled and said, "I generally don't know much about my cousin, and he doesn't like to tell me about it."
Brother Hua smiled and said, "I don't mean anything else. I just want to say that Mr. Zhang is smart. Tiance Technology sells systems and Pure City sells traffic. It's much better than what we end up doing ourselves."
Su Ying interrupted, "Xia Qian, didn't your cousin tell you anything?"
Xia Qian shook his head, "I didn't explain anything and just told me to fend for myself."
Brother Hua laughed "haha", obviously not believing what he said.
"Brother Xia Qian, we are all on our own. Do you have any good suggestions for the next step?"
Brother Hua waved his hand, "Say whatever you want, it doesn't matter if you say it wrong."
Xia Qian glanced at Brother Hua and said calmly: "I'm new here. I don't understand anything. It's really not easy to give advice."
Brother Hua turned his head and gave Su Ying a look. The latter understood and said, "I see that both Yimin Wangjin and Yimin Dai have entered the Indian market. I was wondering if we could start some cooperation with these two companies." ?”
Xia Qian asked: "What kind of cooperation?"
"For example, by selling us some rejected traffic that has not passed the review, they can recover some traffic purchase costs, and we can also save some costs, and we can even become a loan supermarket."
Su Ying said with a smile: "The loan supermarket actually has a lot of potential. You don't have to bear the loss of not being able to recover the loan, and the income is guaranteed during droughts and floods."
In order to be more persuasive, he added: "Your cousin actually started in the financial supermarket business and also did the loan supermarket business.
I’m definitely not lying to you, you can ask him to verify all of this.”
Xia Qian knew something about the loan supermarket, but he didn’t know much about it.
He said: "I don't know if Da Ge will agree to this matter. If it affects him, he will definitely not agree."
Su Ying patted his chest and assured, "This is absolutely no problem. This business model is no problem at home, let alone abroad."
"Okay! I'll ask him."
…
“Buy rejection volume?”
Zhang Yida was stunned for a moment and asked: "What do you want to do? Open a loan supermarket?"
"Yes, that's right, it's a loan supermarket. Su Ying said that whether it's the markets of Southeast Asian countries or India, as long as it's a place where Yimin Wangjin and Yimin Dai do business, they can accept rejections."
Zhang Yida thought for a while and said, "Wait a minute, I'll ask where the rejected quantity is going now."
After hanging up the phone, Zhang Yida made a call to Chen Shaojie and Zhuang Chuguang, president of Yimin.com Overseas.
"If you reject the order, you will definitely go to takeout. These are all customers who spent money to buy it. If the payment fails, a link will be arranged for them to jump. It is equivalent to using waste."
Chen Shaojie asked Zhang Yida: "Mr. Zhang, why are you asking?"
Zhang Yida replied: "There is a company that wants to sign a cooperation agreement with us to undertake long-term loan rejections for branches in various countries."
"That's absolutely fine. As long as the quantity is large, the price can be discounted."
Zhang Yida asked again: "If something happens to the loan supermarket, will it have any impact on us overseas?"
"Even if there is an impact, the impact will be very limited, because the loan supermarket will continue to distribute traffic. This has gone through several hands, and the accountability cannot be traced to us."
Zhang Yida nodded, "Okay, I'll ask him to contact you.
By the way, what is the situation in Indonesia now?"
Chen Shaojie reported: "It was better than we expected. After the demonstration was over, it was turned off.
After all, our country is now Indonesia’s largest import and export partner, accounting for 15.3% of Indonesia’s entire import and export volume.”
Zhang Yida said: "That's good, let's not increase the business volume for the time being.
Develop business in several other countries in Southeast Asia and India to diversify some risks.
Otherwise, the risks will be too concentrated, and once the Indonesian market is over, most of the entire overseas business will be paralyzed."
Chen Shaojie said "hmm" and said: "This plan is being prepared, and this year it is expected to open up markets in Africa, Eastern Europe and Latin America.
If all goes well, we will be able to find almost all developing countries suitable for project implementation."
Zhang Yida reminded: “I would like to emphasize again that we must pay attention to risk control and do not go to countries that are not suitable for landing.
It would be ridiculous if you turned global lending into global charity, and people in the third world will definitely like you."
Chen Shaojie laughed, "Absolutely not. From our point of view, risk control and long-term development always come first."
…
"Is it done?"
Su Ying was so happy that he almost jumped up when he heard the good news from Xia Qian after making the phone call.
"These rejections are all junk customers. Are they of high value?"
Xia Qian was puzzled. He felt that his cousin had thrown away a bag of garbage, and he and others happily went to dig for food in the garbage dump.
“You just entered the industry and you still don’t understand that even if it is garbage, it is garbage thrown out by the leading companies.
In the eyes of those small workshop companies, these are the best customers.
Because the risk control standards are different, the two levels of customers are very divided."
Su Yingzhi said proudly, "You can't make big money in this business, but small money is definitely stable and safe."
He and Brother Hua discussed it for a long time before deciding to learn from Ruixiang and become a water seller.
Don't worry about whether others have struck gold or not, my water has been sold anyway.