"If you want to start a business, do you have a direction?"

Although Zhang Yida didn't believe that Xia Qian had the ability to start a business, it was not good to pour cold water on him directly.

For the sake of being a human punching bag so many times when he was a child, he decided to give him a little bit.

"Yes, I want to do Internet finance. ”

Zhang Yida looked at Xia Qian from head to toe and asked, "The Internet finance industry is very deep!

Are you sure you have the ability to do it well? I think you'd better open a courier pick-up shop at school!"

"No!" Xia Qian felt that his cousin looked down on people, and said stubbornly: "Express delivery can make a few dollars, and I will do Internet finance." ”

"You only saw thieves eating meat, but you didn't see thieves being beaten!" Zhang Yida smiled, "There are also many vertical subdivisions of Internet finance, which one do you want to do?"

"Loan! Online Loan!"

Zhang Yida shook his head, "It's not that easy to do? If you want to start a business, who is your partner? How much is the principal? How does your business develop? Who is the target of your loan? Where does the principal come from? What should I do ......if there is a bad debt?"

Xia Qian was stunned by Zhang Yida's series of questions, and after a while, he replied: "I have partners with them, and they are all my college classmates. Everyone has a total principal of 100,000 yuan.

Our business is carried out through lending, and the lending object is the user on the loan, and the loan principal depends on the 100,000 yuan, and there are bad debts, and the loan will help us collect ......"

Zhang Yida sighed with emotion: Even a college student like Xia Qian, who has raised enough capital of 100,000 yuan, has 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 LoanBei has lowered the entry threshold of the entire online loan industry.

These small institutions or individuals come in to lend money, and they know what the consequences will be with their toes.

Come in and grab a handful and run, let go of the high interest, and urge the ......

Users borrow money from regular low-interest platforms such as credit cards, Huabei, Baitiao, and Loanbei to repay the money from high-interest platforms.

In the end, good institutions are dragged down, user wallets are squeezed dry, and the controllers of high-interest platforms run away and leave a mess.

"How did you get access to the loan shell?" Zhang Yida looked at Xia Qian with a serious expression, "This platform is very dangerous, don't touch it!"

Xia Qian said disappreciably: "I think it's very good to borrow Beibei, and the slogan of people is "Let there be no money in the world that is difficult to borrow!"

Da Ge, let me tell you, last year, the loan Bei promoted 4 billion yuan, and this company is very powerful.

I also seized this opportunity last year, promoted more than 3,000 people, and earned 60,000 or 70,000 yuan!

In just two months, I promoted all the university towns near Pidu!"

Zhang Yida looked at his cousin boasting in front of him, angry and funny, and asked him: "I know the boss of the loan, Hu Gang and Wang Xiaojie." We even have partnership investments in Hanzhou Securities and Hantai Fund.

Hu Gang approached me several times, but I refused to invest in loans, do you know why?"

Xia Qian shook his head, and Zhang Yida explained to him: "I'm not optimistic about the model of borrowing Bei, sooner or later it will be broken by people with ulterior motives." ”

"Who is the person with ulterior motives?" Xia Qian asked again.

"That's you!"

Xia Qian was very angry when he heard this, how could I become a person with ulterior motives? I am more wronged than Sister Dou E!

However, he didn't dare to talk back to Zhang Yida, so he had to whisper: "I just want to make some money." ”

"You don't know the interest on the loan, right?" Zhang Yida began to educate, "The contract amount of 1,000 yuan, 700 yuan in hand, and 1,050 yuan in a week."

2600% APY!

Do you think it's breaking the law?"

"How do I know?" Xia Qian muttered in a low voice when he saw that his cousin's face was getting more and more ugly.

"You don't know, if you don't investigate clearly, you dare to do this job! Are you planning to eat the national meal in this life?"

If Zhang Yida didn't see that he was his cousin, he would never care if he lived or died.

Knowing that he was too young and blinded by money, he patiently explained to him: "Within 24% annualized, the state supports and recognizes, and 24%-36%, the state also acquiesces, but once there is a lawsuit, it will not be supported;

More than 36%, that's not legal!"

"That'...... , how many years is this sentence?"

Zhang Yida looked at his cousin who was "bluffed" by himself, and decided to add another fire, "Serious sentence of life!"

Xia Qian is really cowardly now, he is only 18 years old, but he doesn't want to take the freedom of this life for a little money.

Indefinitely, that's really worse than death!

"Da Ge, I listen to you. I'm not going to do this, I'm going to open a courier shop!"

Zhang Yida successfully "persuaded back" 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'll find you another job to be the "promotion ambassador" of Doushi, there are many beautiful girls in your school, you pull them to make short videos on Doushi and become Internet celebrities."

In addition, I will ask Doushi to give you a bonus every month based on your work performance.

How's that going? That's a good job, isn't it? The whole school of pretty girls is going to revolve around you.

When you graduate, I will support you in setting up an MCN institution. ”

Xia Qian was already fascinated by the beautiful blueprint that Zhang Yida had drawn for him, and began to fantasize about the beautiful days he would be "surrounded by beauty" in the future.

He nodded heavily at Zhang Yida, "Brother Da, don't worry, I will definitely deceive the most beautiful girl in our school." ”

"How can it be called cheating? That's called signing! After Shake Vision, it definitely has a future, much better than those live broadcast platforms. ”

Xia Qian has now given up his "mutual gold dream", and began to discuss the advantages and disadvantages of shaking his eyes with Zhang Yida, he said:

"Although the experience is very good, it is very addictive. But I can't make any money!

"There are not enough users yet, and we will not consider commercial monetization this year. ”

Xia Qian was a little embarrassed, "Then how can I convince people to join Shake Vision?"

"You're ...... like that"

Zhang Yida began to teach "tricks".

After a while, Xia Xiaorong came to ask the brothers to go out to dinner.

Before going out, Zhang Yida emphasized to Xia Qian again, "You must not touch the mutual money, if you really want to do it, when you graduate, I will send you to Indonesia." ”

"Brother Da, don't worry! I listened to what you said, I don't want to be dark in this life!"

At the dinner table, Xia Xiaorong asked, "What are you two talking about in the study? ”

"Huh!" Zhang Yida hurriedly found a reason, "We just talked about starting a business, Xia Qian wants to work and study, and asks me what to do?"

I made a move with him and opened a courier collection store. ”

"This is a good thing! Xia Qian, this kid has been smart since he was a child, and he will definitely be better than your brother in the future. Zhang Qinghua praised with a smile.

"I don't dare to compare with my Da Go, in the future, I can rely on my own efforts to buy a suite in Rongcheng, and I will be satisfied!"

Zhang Yida's uncle Xia Guoping also rarely praised his son, "I am finally sensible, learn from your brother." Don't be ambitious, open the express store in a down-to-earth manner.

If you are short of money, your family will also support you. ”

"There is no shortage of money, I earn tens of thousands of dollars by working part-time, which is enough to open the express 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, his parents didn't believe it: You only went to college for half a year, and you earned tens of thousands of yuan, do you think you are your cousin?

In the end, it was Zhang Yida who helped to break the siege and explained the "coin" behavior of borrowing Beibei, and finally his uncle and aunt reluctantly accepted the matter of their son making money.

Looking at the indignant Xia Qian, Zhang Yida also felt that his uncle and aunt were a little too much, and he should give more trust to the child.

So Zhang Yida said: "Actually, when I first started my business, my parents didn't trust me. Or you can't say you don't trust, you just think you can't do well.

I had no choice but to secretly take the family's real estate certificate to make a mortgage, which was enough to raise enough capital for the start-up. ”

Zhang Qinghua and Xia Xiaorong couldn't hold back their faces: This kid, why do you say everything?

"Actually, I said so much just to let my uncle and aunt have more trust and understanding of Xia Qian. ”

Xia Guoping knows the ability of this nephew, the chairman of a listed company and the richest man on the Forbes list......

Therefore, even if Zhang Yida is a junior, what he says should still be taken seriously.

So Xia Guoping nodded, "Yida, you're right, it's my uncle and aunt who didn't do a good job, and we will definitely change it in the future." ”

"That's right!" Ni Ling also echoed her husband and said, "We must learn from the eldest sister and eldest brother-in-law!"

"You two don't say that Xia Qian, this is not good, that is not good. Isn't that "encouragement education" in vogue now?

The more encouragement you have, the more confident your child will be in doing things. ”

Xia Xiaorong turned her head to look at Xia Qian again, and said with a smile: "Come on, Auntie has always supported you." It's okay if you fail, just accumulate experience!"

After her uncle's family left, Xia Xiaorong said to Zhang Yida: "Why did you encourage your brother to start a business?

"How do you know if you're the one if you don't try it?" Zhang Yida couldn't tell his mother all about Xia Gan's dangerous thoughts, so he had to come up with a reason.

"You, you!" Xia Xiaorong pointed at Zhang Yida, and said, "After that, have you ever thought about letting your brother go to work in your company?"

"No!" Zhang Yida shook his head like a rattle, and when he saw that his mother's face was not good-looking, he explained:

"Our company is now all professional managers, and it is not fashionable to insert any relatives into it.

I supported him in starting a business, and I thought about supporting him in the future. He just needs to do his own business. ”

"That's okay! Your uncle's family is such a child, and you have the ability to take care of it now that you have the chance. ”

"Okay, I'll try!"