Li Hengwu is the second son and grandson.

However, she became the bride of others

Zhang Yida coughed dryly, "What, I wish them a good life and good health for a hundred years."

"Hey"

Li Hengbo sighed, "Don't ridicule it, every family has a scripture that is difficult to read." ”

Zhang Yida understood this, and did not dwell on this issue, and said with a smile: "Just rush our relationship, your Li family has to give me two digital bank licenses."

"I heard you right, you want two"

Li Hengbo's sharp voice came from the phone.

Zhang Yida smashed his mouth, how do you feel that Li Hengbo is also a little girly

Don't be infected by his cousin, stay away from them in the future.

"Ruixiang, Yimin Net Finance, Yimin Wealth, Yimin Loan, Ruixin, these are 5 companies, one company is not too much"

Li Hengbo was laughed at, "Big brother, in addition to Ruixiang, do the other four companies have a dime to do with us?"

Zhang Yida secretly made a mistake, he knew that Temasek should have been tied to the chariot.

"Then let's do it, look at my friend's face, in addition to Ruixiang, the other four companies form a consortium to apply, and you give me a digital wholesale bank license. ”

Li Hengbo smiled bitterly, "Do you really think that Singapore is our Li family, our aunt spoke out in the media and strongly opposed the third generation of the Li family." ”

Zhang Yida knew who the "aunt" Li Hengbo was talking about, yes, the youngest daughter.

is also a strange woman, in her 60s, and has never been married in her life.

And he recognized his identity as a Hakka very much, but the father and son deliberately put aside their blood ties with China and never returned to their hometowns to worship their ancestors.

And some politicians of Chinese descent in Asia, when necessary, will go to China to seek their roots and worship their ancestors, or to recognize their Chinese ancestry.

For example, Lien Chan, Chiang Hsiao-yan, and Annette Lu in the Philippines, Korasan, Aquino, and Doult in the Philippines, Chuan-Lu Pai, Thaksin, and Yingluck Shinawatra in Thailand, and Roh Tae-woo and Roh Moo-hyun in South Korea;

Former Malaysian Prime Minister Abdullah Abdullah is also in contact with Malay relatives on Koh Choung;

Even Indonesian President Suharto, who was murderous, had quietly visited his ancestral hometown of Xinghua in Fuzhou before he fell seriously ill.

"It's not okay to have two licenses, or else, mix some of your local enterprises, let's join forces to apply for two head offices."

Li Hengbo felt that it was still a little tricky, so many pairs of eyes staring, they didn't dare to be too partial.

"In this case, I will ask Aunt Jing. ”

Zhang Yida immediately realized that the "Aunt Jing" mentioned by the other party should be Temasek's CEO He Jing, who is also the first lady of Singapore, and is quite energetic.

"Okay, I'll leave it to you, my bottom line is that Ruixiang holds a digital bank, and Yimin 4 companies hold a digital wholesale bank. ”

Li Hengbo felt that Zhang Yida was still too greedy, and said with a smile: "Let me tell you this, Grab, as the largest Internet group in Southeast Asia headquartered in Singapore, they must have one, and SEA can also get one."

Leech Gold will take another one, Ruixiang will take another one, and give another one to the local consortium.

The five licenses are now divided, so there is more.

Anyway, it's going to open later, why don't you get one first, and wait for the second phase to open."

Zhang Yida felt that this plan was okay, but he still told Li Hengbo to be careful about this matter and accept his favor.

"How's the harvest falling?"

Zhang Yida left Fan Hongyang and Fang Yuhan alone, and cared about the top priorities of the two companies.

Fan Hongyang said with some shame: "I'm sorry, Mr. Zhang, the company has really done its best, and there are still 65 billion to be collected." ”

"We are also a little short of the set target, and we still have 22 billion to collect. ”

Fang Yuhan sighed, "In addition to these problems, there are some new problems. ”

"What's the problem?" Zhang Yida asked.

"Debt evasion"

Fan Hongyang's eyes were serious, "Because of the current P2P serial thunderstorms, the country is also retreating."

Therefore, many borrowers mistakenly think that they do not have to pay back the money they borrowed from P2P.

Because there is no credit investigation, the platform collapses, and no one comes to collect debts.

This money, borrowed is equal to earned. ”

Fang Yuhan nodded, "Yes, there are quite a few such people." In addition, the "Anti-Collection Alliance" group has been organized.

In the group, a group of loan brothers comfort each other, encourage each other, and even share their experience in fighting debt collection. ”

Fan Hongyang took out his mobile phone, opened the pictures, handed them to Zhang Yida, and said: "Mr. Zhang, take a look, it's so rampant now, the situation is not optimistic."

Zhang Yida took a look at it, and it was all screenshots of some QQ groups and WeChat group chats, and the content talked about various anti-collection strategies and tricks.

"You're afraid of collection, do you know what you're afraid of collection?"

"Record the collector, provoke the other party, as long as he dares to curse, immediately take the recording to complain to him. ”

"Yes, 315 has only cracked down on a wave this year, and these financial companies are not afraid of death and let them come. ”

Zhang Yida pinched his eyebrows, this is a fatal blow

Now which company dares to be too high-profile and is beaten as a routine loan, it is not reasonable.

"The most serious is the emergence of anti-collection intermediaries and anti-collection companies. Fan Hongyang said with a heavy face, "Because of the algorithm mechanism of platforms such as Shake and Kuaishou.

If you're interested in collections, loans, and debts, the algorithm will recommend them to you.

This vortex effect soon involved all borrowers on short video platforms, forming a new type of anti-collection alliance.

It's like putting up torches in the dark, and everyone has a goal and quickly gathers.

In the past, the members of the anti-collection alliance were just stragglers, but through these short video platforms, they began to form a huge army with core leaders.

At present, on many short video platforms such as Douyin and Kuaishou, there are hundreds of such well-known accounts.

Their number of fans ranges from thousands to tens of thousands, forming an anti-collection alliance of at least one million people.

In addition, the leaders of the anti-collection coalition are extremely professional.

There are three main types of leaders who have encountered debt problems themselves and come to share their experiences;

One is the loan intermediaries, whose business volume has declined, so they have turned against each other and joined the anti-collection camp.

The third group, and the most lethal, is a wave of newcomers who have worked in finance and collections.

In their words, so many people in the collection industry have been arrested, everyone shouts and beats, and they are often complained, and they are under a lot of pressure.

If you don't want to waste your expertise, you can just join the enemy camp."

Fang Yuhan took over and said, "Now the anti-collection is developing in the direction of teamwork, centralization and specialization.

With the addition of these leaders, their gang has become more and more adept at dealing with collections.

In the past, the borrower answered the call for collection, but he didn't dare to return the bill when he was scolded.

It's good now, take the initiative to call to flirt with the collection of sister paper.

It's not just us who do mutual money, but also commercial banks, licensed consumer money, and credit card collections, they dare to deal with it like this.

Taking the concept of "interest-free accounting" as an example, according to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:

Under special circumstances, if the amount owed by the credit card exceeds the cardholder's ability to repay, but the cardholder is still willing to repay, the issuing bank may negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement, with a maximum period of not more than 5 years.

This means that if you can't repay the money, you can negotiate with the bank, and one option is not to increase the interest and repay the principal slowly.

Many borrowers don't understand this, and there are financial professionals who teach them to do so.

Quarrel with the bank, complain on the phone, and strive for negotiation to deal with it.

If the bank does not agree, it will go to the CBIRC to complain and ask for the suspension of interest.

Even these professional anti-collection companies have a template for speech, including company closure, personal illness, unemployment, and even the mother's diagnosis of cancer.

And these companies use short video accounts to gather borrowers, attract them to WeChat accounts, and start peddling their anti-collection services.

For example, knowledge payment, business school courses, buying members, charging 1020 service fees, and so on. ”

Fan Hongyang said earnestly: "The purpose of the anti-collection alliance is only to obtain the service fees of borrowers, so it only pursues short-term benefits, and in the long run, it will harm these borrowers."

For some unreasonable demands, financial institutions may seem to compromise, but they will put these borrowers on the list of dishonesty, and it will be difficult to borrow in the future.

Of course, some platforms that put anti-aircraft guns, especially those that bundle insurance to cut off interest in disguise, I think this kind of refund is reasonable.

But we Yimin Netfinance is not, from the operation to the present, I dare to pat my chest and say that I have never let go of a loan that exceeds the 36 compound annual interest rate.

Including the handling fee, it definitely does not exceed 36.

Our kind of business is innocent

The profits are already thin, and if they are done like this, I am afraid that they will have to pay a loss report card in the second quarter. ”

Fang Yuhan suggested: "Mr. Zhang, I don't think it is necessary to cooperate with relevant departments to crack down on some for-profit intermediary companies.

We can ignore other families, dare to break ground on our heads, and want them to look good.

Only by knocking on the mountain and shaking the tiger can we stabilize the situation. ”

Zhang Yida pondered, this situation is not the same as the fraudulent loan in Tazhai Village.

Even commercial banks don't have a problem with these people, what can they do

Change the short video recommendation algorithm

alarm

Send a text message to the borrower to guide them correctly

Speaking of which, it's all about the word "money".