I don't know who leaked the news, but I all know that Classmate Zhuang is a real big money.

It's not.

The WeChat invitation of old classmate Huang Jian is estimated to be a matter of borrowing money. Generally speaking, Zhuang Jinrong does not do private lending. He has regular private banks and investment companies, and he will not accept these information orders at all. But it's different for Sister Dana and Sister Goddess, if you can teach them to make bills from the perspective of bank loans, why not do it? Besides, Sister Dana mentioned private lending last time, and it is time to make up for this lesson for them.

It stands to reason that this Huang Jian does not conform to the basic principles of lending, he belongs to a typical black household, and the risks can be imagined. "President Zhuang has already checked his credit" but President Zhuang didn't think so, since it was a test, why didn't he give the two sisters a problem......?

"Are you there, Lao Tie?" Mr. Huang played an iron card, and the meaning couldn't be more obvious.

"In, Lao Tie, if you have any advice, just say, who is with whom, the ...... of the bargains" Zhuang Jinrong's natural talk show.

"Recently, the business is in urgent need of turnover, and I want to ask you to borrow some money, you see ?......" Classmate Huang is also a scene person, and he is simply neat.

"Oh, how much to borrow, how long to borrow?" Zhuang Jinrong replied professionally.

"Not much, 30,000, 3 months, the procedures are according to the rules of the market, and you can do what you say. Huang said matter-of-factly.

"30,000 is not much, our relationship is there, so let's do it, one person is private and the other is public, find an acquaintance in our circle to vouch, and it will be done for you in 3 minutes." Zhuang Jinrong also told the truth, a small amount of acquaintance loan like this is OK in less than 3 minutes from signing to payment!

"Acquaintances guarantee, this is easy to do, who do you say?" Huang said slyly.

"How do I know about your circle of friends? Zhuang Jinrong skillfully marked the scope for him.

"Alright then, I've got a reply to you, you're busy, 88. Classmate Huang went offline, and it is estimated that he will wait for the money and prepare to go according to the scope that Zhuang Jinrong said.

This is the effect that Zhuang Jinrong wants, what is important is that familiarity is a treasure, and there is no need to urge, Zhuang Jinrong deliberately delineated a small range for him. He knows that Huang's credit is not good, and it is difficult to get a loan in a financial institution, which is a typical subprime loan, but he likes to challenge such a list, as long as the operation is good, the risk is still controllable.

The reason why he asked Huang to find an acquaintance in the circle of classmates to guarantee was to help him screen and check through the feedback and fermentation of the circle of classmates.

After a few days, the information feedback came back, no male classmates were willing to guarantee, they all knew that the guarantee was to bear the same legal responsibility, and it was better to lend him money in person, at least with interest and good.

Seeing that classmate Huang kicked the ball back again, Zhuang Jinrong knew that classmate Huang was a typical black pot. In fact, Zhuang Jinrong had long known that there would be no male classmate to vouch for him. The reason why Huang asked him to borrow money was mainly to play the card of information asymmetry, thinking that Zhuang Jinrong had just joined the class group and didn't know much about the situation, so he borrowed the money after a time difference, but he didn't expect Zhuang Jinrong to be not only very professional but also thought of him ahead.

"Since there is no man to vouch for you, and your woman popularity is very good, you might as well try it with beautiful women. Zhuang Jinrong really wanted to help this old classmate, so he lost no time in reminding. The core of this list is women, as long as there is a woman to vouch for him, this list will not be blind, and Huang will not pit women if he has no conscience!

Sure enough, a few days later, Ma Nerve's WeChat invitation made me sit at the tea bar.

Yes?!......

Why is Ma Dongmei, the scourge star invited, could she be Huang Jian's old iron, right? Isn't Huang a super fan of Goddess Ye, how can she catch fire with Ma Nerve?...... I don't know how this classmate Huang got through her work, it seems that their relationship is not ordinary!

With a lot of questions, Mr. Zhuang came to the tea bar.

"Zhuang Daqian, what are you busy with? I don't miss my sister for so long, it seems that your central air conditioner is not warm, and you don't take ......your sister with you if you have any good things," as soon as he sat down, Ma Nerve's opening remarks floated over crookedly, "You are so iron with Classmate Huang, you still want me to guarantee 30,000 yuan? I annoyed him to death." ”

"He's your male fan, if you have any difficulties, you'll definitely find Sister Ma. Zhuang Jin Rongyun flattered the horse nerves lightly. Sure enough, it's a matter of guarantee, it seems that this script has to change the heroine, I thought that Huang was looking for a guarantee from Goddess Ye, but I didn't expect it to be replaced by a horse nerve.

"You big villain, it must be your bad idea to let him find me, in order to fulfill your interests, you will betray your sister, and you still say that you have any good things to share with me, and your sharing is for me to guarantee it?"

"If he runs away, shouldn't I pay it back?!......"

It seems that Ma Nerves is not willing, and he is not angry.

"Well, that's true in law, but how can he run away with you, the true Buddha, you are the red sun, the attraction is too great, no one can run out of the palm of your hand. Zhuang Jinrong said seriously in the first half of the sentence and jokingly in the second half. When did I say that I would share it with you, I would be close, and Mr. Zhuang would not say anything.

"Then I won't vouch for him, all the good things are left to you alone, I didn't kill anyone and I lost blood, right, Classmate Zhuang?" Use your sister's connections, make money is your own, and it is your turn to borrow that good thing?

"Actually, I made this list for you, otherwise I wouldn't have taken it. How could Zhuang Jinrong not know her careful thoughts, but he felt that since he had changed the heroine by mistake, why not take this opportunity to test classmate Ma? Anyway, he was preparing to build a female version of finance, wouldn't it be better to have multiple connections. Thinking of this, he said very scenely.

"Do it for me? That's a good feeling, you have to be specific, my brain is not good, and I haven't reflected it yet." "The horse's nerves are confused, did I misunderstand him?!......

"First, from Huang's WeChat invitation to borrow money, I already knew that his credit was not good, otherwise he wouldn't have asked me for this. Stranger 'borrowed, he must have entered your blacklist;Second, I know that there must be no male classmates to vouch for him, and he has to vote for you in the end;Third, he is your hardcore fan, although he is black in the social credit environment, but in your heart is still red, no matter how difficult it is, he can't pit his sister, he still has this bit of blood; fourth, if you lend him this list personally, the effect is not good, he doesn't cherish it, it is better for me to take it for you, and it is easy to collect interest and can be interpreted;Fifth, although my name is on the IOU, but in fact the money is invested by you, you quietly transfer the money to me, and I will transfer it to him, so that it is not only safe but also can not be goofed;SixthSeventh, the worst result is that he does not repay the debt, and I am more expert than you in the lawsuit to collect the debt; Eighth, as a guarantor, you borrow or not, the legal responsibility and risk are the same, it is better to invest in my name, you come to collect interest and profit cost-effective: ninth, I have long listed your contacts and resources as the front of finance +, we share resources, win-win cooperation, help each other, Tenth, today is the first day of the opening of the financial boss training class, I will send you this gift package from Mr. Huang, this is my meeting gift, how about it? Sister Ma, this kind of perfect good thing to share with you, are you still satisfied?" Classmate Zhuang changed the line of flattering Goddess Ye a little in one breath, and said it to Sister Ma.

"Nuan Nan deserves to be a Nuan Nan, your sister has received this heart, I want to invite you to dinner, how can you be idle?" Ma Nerves were moved beyond measure, compared to his own careful thinking, Zhuang Nuan's pattern is really unusual! I misunderstood him so much, ridiculed him, slandered him, people not only did not care about but gave him a chance, I am really too muddy! This kind of subverting the realm of the three views is no longer as simple as sharing the financial feast, this is the accumulation of virtue and goodness, and the benevolence is great, praise for our God of Wealth......

"Please eat for free, if you really want to thank me, use your network resources to help me deal with 50 learning machines, 100 movie tickets, I won't let you help in vain, a learning machine will receive a commission of 30 yuan, a movie ticket will be 5 yuan, and you will give money after selling, how about it? Sister Ma, there is no difficulty, right?"

"No difficulty, no difficulty, Sister Bao is on it, it's a piece of cake, look at my performance. Sister Ma is full of confidence and has a large contract, quite a bit of the style of a sister in City B......

Let's talk about Sister Dana here.

I haven't even seen Zhuang Jinrong's shadow for a few days, and I don't know where he went?

Ay!......

Originally, he was the central air conditioner, how could he expect to monopolize him? Anyway, whether he was there or not, she was busy alone, forget it, or I should continue to practice!

Just when Zhuang Jinrong was not doing his job, his WeChat voice arrived. Thinking about Cao Cao and Cao Cao, it is so effective, it shouldn't be a thought, right? To be honest, it's really a little unaccustomed to not seeing you for a few days......

"What are you trying to figure out? Are you scolding me there? Where are you I'm going to pick you up, I have to give people 50 learning machines and 100 movie tickets. Zhuang Jinrong always felt that his ears were hot, and he knew who did it when he guessed.

"Ahh This Zhuang Banxian is really a god, even I know that I scolded him, it seems that I blame him.

After a while, Zhuang Jinrong's small broken car arrived.

"Honestly explain what you've been doing these days, Comrade Central Air Conditioning. As soon as he got out of the car, Guo Dana asked without anything.

"What are you doing, aren't you here to sell the goods? You can't be idle and have nothing to provoke Goddess Ye, right?" Zhuang Jinrong deliberately brought out Goddess Ye to show his innocence, which was also his usual practice of grafting, impassionedly telling lies and making drafts.

"No, how can I smell the smell of horse nerves on your body, you shouldn't fool around with her, right?" Although Guo Dana is short-sighted, his nose is smarter than a dog, "Is it your loss in exchange for her charity, and then run to me to show your hard work, if you don't make it clear, I'm willing not to sell it." Although Guo Dana doesn't like Goddess Ye, he doesn't want to see Ma.

"I confess, I confess, but you must not be angry, this is what you forced me to say, you can't blame me. Zhuang Jinrong deliberately pretended to be pitiful and found a good way out for himself.

"Here's how the story happens......" Zhuang Jinrong thought to himself, if you don't interrogate me, I also have to simulate this typical case with you, "You know Huang Jian, an old classmate, right?"

"You know, isn't it one of your old irons? What's wrong? He helped sell him?" Guo Dana looked surprised.

"Yes and no, to be exact, he indirectly helped us sell it. "Zhuang Jinrong doesn't sell Guan Zi either.

"Indirect?" Guo Dana was even more puzzled.

"Let me tell you this, if classmate Huang asks you to borrow 30,000 yuan, can you borrow it?" Zhuang Jinrong asked deliberately when he wanted to test Guo Dana's financial quotient.

"Of course not. ”

"Why? Please give me more than three reasons. Zhuang Jinrong continued to guide.

"First, I don't like him, and I don't have anything to do with him, second, I heard that he is a black account, and he is very risky, third, he doesn't meet any of the basic principles of borrowing that I know, and so on, and so on, and so on. Guo Dana is also full of confidence. She is highly educated, and she has read books and learned a lot of theoretical knowledge on the Internet, and her basic lending skills are not difficult for her.

"Haha, the fault lies in the so-called theories and principles you read, do you remember the article we broke up before? You were arguing in a hurry at the time, and you almost broke off the friendship......" Zhuang Jinrong felt that it was more appropriate to use Huang's specific case to explain the differences in that article.

"That article is so good that Huang definitely does not conform to these theories and principles. Guo Dana always felt that he was right, so he insisted again and again.

"I'll just say, fake experts kill people, if you listen to their fools, you won't be able to take a list, let alone do a good job. Zhuang Jinrong deliberately reminded her.

"Well, let's make a bet, if you can convince Sister Ben to invest 30,000 yuan in classmate Huang, I will forgive you for fooling around with Ma Nerve. Guo Dana said matter-this can really be had!

"That's what you said!" Zhuang Jinrong is worried about how to fool the past, now that the opportunity has come, this is what you took the initiative to bet, today it depends on how I get your 30,000 yuan into the hands of classmate Huang.

"Even if you have the ability, even if you are foolish, even if you make a move, I will see how many brushes you have as Master Zhuang?" Guo Dana also urgently wanted to know what the core of President Zhuang's credit was? She only admired people with real skills.

"Brush 1: According to the principle of seven non-loans and eight prohibitions of credit, Huang meets all the requirements of one and even enters the blacklist, which is a typical subprime loan. Don't say that he doesn't meet the theories you've read, even ordinary lenders won't lend to him, so it's too late for such a person to hide, how can he lend to him? ”

"Then you still said you wanted me to lend it to him?" Guo Dana interjected impatiently.

"However, finance is nothing more than deduction, and lending is nothing more than transfer. If I can transfer Huang's risky to the risk-free of Ma Nerve, then you can't take this list?"

Continue on...... "Guo Dana seems to be in a state."

"To put it bluntly, it is to let powerful and reputable people provide endorsements and guarantees to pass on and minimize risks. For example, it is like a joy in the countryside, and the bride does not make a bride and a bridesmaid. Zhuang Jinrong wanted to laugh when he said this, because he had just returned from making trouble with his bridesmaids, and he still had the smell of horse nerves.

"What you said seems to be very reasonable and impeccable, but why do we choose Huang's subprime loan as the main borrower? So many high-quality customers, some of them don't even need guarantees and endorsements, isn't your bridesmaid theory a big move to take off your pants and fart?" Guo Dana also said with great disdain that she was not so easy to fool.

"That's a good question. Brush 2: In the final analysis, the so-called private lending is the improvement and supplement of formal license finance, which is destined to be only the transfer and lending of funds between geography, blood and affection. That is to say, it must be microfinance between acquaintances, which limits its scope to be very narrow and small. Think about it, you are not a bank, it is impossible to issue loans to unspecified people, first, you don't have so much money, and secondly, this is also illegal. So you can only solve the financial needs between the circle of friends, relatives, career circles and other acquaintances around you, to put it bluntly, you have no choice. Of course, you can also choose not to borrow from anyone, then it is another matter, we do not raise the bar. Since there are so many network resources around you, and you want to make some extra money through private lending, you must cherish and cherish the invitation of every acquaintance. To put it bluntly, good customers can't borrow from you, they are all monopolized by licensed finance, so if you want to take this favor loan, you can only choose a general among the lame or a lame from the blind......" Zhuang Jinrong felt that what he said was clear enough.

"Although we didn't have a choice, after all, after graduating for so many years, we still don't know how lame this yellow cripple is. Guo Dana still felt that Master Zhuang couldn't untie all her heart knots.

Brush 3: The biggest obstacle to borrowing is information asymmetry, you can't know all the borrowers very well, or you can only know -- what they want you to know, you can only get infinitely close to the truth, but never know what the truth is, even they don't know whether their truth is winning or losing. Since information asymmetry is a common problem all over the world, you can only make vague decisions based on limited information that is as close to the truth as possible. Nothing is absolute, and it is impossible for a person to defeat probability. So instead of lending you the opaque and so-called good people who seem to know you very well, it is better to lend you the yellow and black goods that you know very well and are very transparent, anyway, he is already black and can't be blacker anymore. With this mental preparation, you only need to add a double insurance to him......" Zhuang Jinrong is still very satisfied with his theoretical level.

"And what is this double insurance?" Sister Guo was a little confused when she heard this.

"It's the horse nerve you smell, her guarantee and endorsement are double insurance, and this goes back to the brush one I just said. In addition, the so-called blacklist is not absolute, it is only the state of the dishonest person at a certain point in time or a period of time, but compared to the whole person's life, it is nothing, there are many things in life counterattack, ten years in Hedong and ten years in Hexi, it is estimated that it will not take three years to turn over more people, who can guarantee that the yellow and black goods will not turn over the day? How's that? I've explained it clearly, right?" Zhuang Jinrong said confidently.

"Well, the thinking is clear, the logic is rigorous, the reason is well-founded, and the village is harmonious, but there is one thing I don't know, why does Sister Ma Shen not do such a good thing in your name, but can it be my turn?" Guo Dana said with a sly smile.

"It was originally made by borrowing my famous horse god sister!" Ah?!......hh Fooled, how did I tell the truth, Zhuang Jinrong didn't mention how annoyed.

"Okay, don't act anymore, since your sister Ma Shen has already done it, then you will lose our bet, let's be honest and honest, who helped sell these learning machines and movie tickets?" Guo Dana showed a victorious smile.

"You cheat, you cheat, you play tricks, you ......" Zhuang Jinrong was disagreed and aggrieved as a child, as if a good boy had done a great deed, not only was he not praised but was ridiculed.

"I'm kidding you, my sister knows that you have worked hard and paid a lot these days, so let's talk about your real ideas and ideas. Guo Dana saw Zhuang Jinrong puffing up like a child, and knew that his madness was coming, so he hurriedly comforted him.

"It's pretty much the same! It's not the scenery that no one appreciates, and it's not the strategy that no one cooperates. My vision is this, I want to build a 'second' finance that is different from traditional finance, and use high-tech and big data to achieve 'finance + everything' or 'everything + finance', so as to achieve resource sharing, win-win cooperation, help each other, and take what they need. Take this case of yellow and black goods borrowing as an example, it seems to be finance, integrating Huang and Ma, but in fact, it is sharing, sharing you and me, so as to achieve a win-win, three-win, and win-win situation, so that all people can achieve a new pattern of financial ecology in which everyone is for me and I am for everyone, and of course, it is also the financial empire I dream of......" At this time, Zhuang Jinrong regained his former self-confidence, his spirit was bright, and his eyes were bright.

Looking at the beating light in his eyes, Guo Dana was lost again, this big boy who was still wronged and tricked a second ago, but at this moment he is building everyone's dreams, what a contradictory person is this?!Innocent?Innocent?Cunning?Extraordinary?...... It seems that they are all and they don't seem to be touched, I once thought that he was fooling around and fooling around these days, but I didn't expect him to be experimenting and imagining in the first place...... If it really follows people's wishes, then this second financial empire is really very desirable, anyway, I am determined by Zhuang Jinrong's potential stock, and no one wants me to be laid off halfway......

"Why don't you come and help, I'll settle accounts with you after the delivery is over." Just as Guo Dana was secretly distracted, Classmate Zhuang put his foot against her and said.

"What's the account? Every transaction is clear and well documented, and I didn't smuggle. ”

Seeing Zhuang Jinrong holding ten learning machines at a time, Guo Dana quickly retracted his thoughts and stepped forward to help.

"What's the account? Forgot it so quickly? Who did you say was fooling around?...... Zhuang Jinrong smiled maliciously and said that it seemed that he was going to take the opportunity to overturn the case.

"My sister knew that she was wrong, she misunderstood our big president, my sister apologized, and I invited you to eat powdered chicken. Guo Dana smiled flatteringly and said, coaxing this bad boy, just a chicken leg.

"Is the pink-skinned chicken delicious? Is there such an exciting place in City B?" Zhuang Jinrong teased Sister Guo with bad intentions.

"Do you like to eat or not, drive with me......" Sister Dana's face was as ashamed as a red cloth, and whoever wants to say that this child is honest in the future, I will scold his uncle. The entire first-class scoundrel Zhuang Hu Diao, who was still aggrieved and pretended to be pitiful just now, will be so happy again, it seems that he really can't get used to it! Guo Dana's ruthlessness at this time has come up.

Powdered chicken, as the name suggests, is mainly made of the best powdered skin and local chicken, its process is a must, its secret recipe except for the proprietress no one knows, even if it is analyzed by high-tech means can not be known, it is known that it is made of more than a dozen kinds of Chinese herbal medicine. First, the fire is boiled, and then it is simmered, and if you want to eat, you must make a reservation in advance.

Sister Dana knew that Zhuang Jinrong was the most impatient to wait, so she made an appointment early to prepare, and ate when she arrived, without waiting. Zhuang Jinrong ate so heartily that the two of them ate more than three catties, and they couldn't walk. Guo Dana timely proposed to go out to eliminate food and clear his mind, it just so happened that Zhuang Jinrong also has a habit, whenever he encounters a major decision, he likes to stay outdoors, not only to enjoy the scenery but also to broaden his mind, so he hit it off......