"19,800 yuan?"

Xia Qian was surprised, and then shook his head again, "This is too expensive, adding another 10,000 is enough for me to open another express store." ”

Su Ying glanced at Xia Qian, "Brother, let me tell you, this 19,800 is worth it."

In addition to a set of "Mutual Finance Talent Crash Course" tutorials, Mr. Liang also instructs everyone in the group from time to time.

Do you know what a crash course for mutual finance talents is? It is a month to train a novice who doesn't know anything into a talent who can independently start a business with mutual funds.

I have carefully studied this set of courses, and I have explained it in detail. ”

Su Ying took a sip of wine, moistened his throat, and continued: "This set of courses includes risk control management in multiple links such as traffic acquisition, pre-loan, loan, and post-loan.

Let's take traffic acquisition as an example, if you are online, you can use WeChat, Tieba, and loan forums...... and other network channels to promote customer acquisition.

Offline, you can win over the campus agents of various schools, such as the campus part-time teams of platforms such as Miao Installment and Happy Installment.

These people have a lot of customers and know who is short of money.

In addition, customers who have taken out loans can also develop into your subordinate agents, but they must be given a certain percentage of business referral rebates......"

Su Ying talked eloquently and taught Xia Qian all the knowledge he learned in the knowledge payment group, including how to get customers, how to build a promotion team, etc.

"Actually, you don't have to pay this 19,800. ”

Su Ying smiled, "Because I've learned almost, I'll teach you." ”

Xia Qian hesitated, although 19800 was expensive, he could still afford it, he was mainly entangled in what his cousin told him, and didn't let him do this.

Su Ying saw that Xia Qian didn't speak, and felt that he had to add some more fierce material, so he opened WeChat and showed Xia Qian a picture of the WeChat group of "Mr. Liang Says Finance".

He added: "Look at this number for yourself, this is Mr. Liang's record in March."

5 million principal, the total amount of loans lent in the first week is 7.14 million, well...... In fact, only 5 million was lent, and the interest was cut by 30%.

After deducting 12% of bad debts and 24% annualized interest, 6.31 million yuan was recovered in the first week with interest.

Then in the second week, 6.31 million was actually released, but the contract amount was written as 9.01 million...... The actual recovery of 8.04 million was due to expire.

……

5 million principal, four weeks a month, rolling 4 times with principal and interest, the contract loan amount is 42.2 million, and the final recovery of principal and interest is 12.76 million. ”

"Tut-tut!"

Su Ying let out an exclamation, glanced at Xia Qian again, and said, "See, what is the way to make money, 500 earns 7.76 million a month."

Oh, by the way, Mr. Liang still has a team, and after deducting these labor costs, he can at least earn 5 million.

5 million to earn 5 million a month, where can I find such a good thing?"

Gu Ling was also stunned on the side, and asked, "What do you mean by cutting off 30% of your head?"

Su Ying smiled, "You don't understand this, it's just to borrow 1000, and you actually get 700, but after a week, you have to repay me 1000 principal, and you have to add 24% interest." ”

Gu Ling whispered, "Is this ...... High...... Loans?"

Su Ying smiled and shook his head, "This doesn't count!"

Then he added, "Industry insiders call it super loan shark." ”

"Isn't it going to be illegal?"

Gu Ling was a little worried, what she heard today was a bit shocking to her three views.

"How can it be illegal?"

Su Ying said with a smile: "This is a big trouble, at most it is a civil case."

In our hometown of Dongou Town, private lending is very prosperous. It's normal to cut off your head or something. ”

Speaking of this, Su Ying smiled mysteriously, "The most important thing is that all our procedures are legal, and the interest rate cap on the contract is 24% annualized." ”

"What about the 30% head-cutting interest?" Xia Qian asked.

Su Ying waved his hand, "The electronic IOU on the loan shell doesn't write this, it's a normal loan with an annualized rate of 24%."

The loan is only responsible for matching the loan and does not provide any guarantee.

The payment is done privately by the borrower and the lender using third-party payment software, such as Alibei and WeChat Pay. ”

"What if people don't pay it back?" Gu Ling asked, in her mind, this kind of online borrowing is too unreliable, and there should be a lot of people who don't pay back the borrowed money.

Besides, who will pay back such a high interest?

"This is thanks to the awesome lending platform, they have a risk control system, which can check the past repayment records of each borrower, as well as the co-debt. ”

Su Ying said with a smile, "By the way, there is also a collection team of Loanbei, and bad debts can be entrusted to them."

They can read the borrower's address book and bombard overdue users with phone calls.

Then call the relatives and friends of the overdue users, abuse and pressure, or pretend to be the public prosecutor to scare them......"

"The state doesn't care?"

Su Ying smiled at Xia Gan, "Borrowing has always existed, thousands of years old, one is willing to fight and the other is willing to suffer."

The state has not officially introduced relevant laws yet, as long as the collection link does not cause any vicious incidents, it will be fine. ”

"Look at people paying Bei, and your cousin, it's okay to put hundreds of billions a year. ”

Xia Qian said: "This can't be compared, my cousin's platform has a very low interest rate, they are all regular platforms, and I heard that they also get loan funds from banks." ”

Su Ying didn't speak again, Xia Qian was right, they were indeed quite regular, and they couldn't compare with others at all, to put it bluntly, they were playing a side game.

"Last year, the two of us partnered together to promote the loan, and after the promotion, I began to study this platform.

I was very curious, how can they make money back after they threw out four or five hundred million yuan?"

Su Ying looked proud, "Later, I really studied a way to make a fortune."

Xia Qian, guess how much I've earned in the past few months?"

Xia Qian was also very curious, he knew that Su Ying had started to do this at the end of last year, and he wanted to pull himself into the gang at that time.

But because of my cousin's dissuasion, I gave up. It's been almost two months since school started, and he also wants to know how much money Su Ying has earned.

Gu Ling knew that her boyfriend was rich and his family conditions were good, and he should have made a lot of money by taking out this loan online, but he had never heard him say specific figures. 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, "Is it 300,000?"

Su Ying nodded and sighed again, "The capital is less, and my original investment is only 100,000 yuan."

If it was 1 million, it might be 3 million now. ”

Xia Qian's heart is strange, he makes a courier by himself, he is tired and tired, and he only earns 4,000 yuan a month.

Su Yingniu was soaking, her days were moisturizing, and she actually had an income of more than 100,000 yuan a month.

"How?"

Su Ying looked at Xia Qian with a smile on his face, and asked again, "Do you want to guard your courier, or do you want to follow me to do this?"

"Let me think again!"

Although Xia Qian was very tempted, reason told him that the more profitable things were, the more risky they were.

"What else are you thinking about?"

Su Ying was also a little impatient, "I'm definitely going to take off this year, seeing that you are a brother, I will take you with me."

In addition, my family has collected another 1 million for me, and I will definitely do a big job this year.

I'm already optimistic about a Lamborghini, and when I make enough money, I'll buy one in full. ”

Xia Qian looked at Su Ying, who was domineering and leaking, and was really envious of the other party for a while.

It's okay to have a beautiful girl with you every day, and even a Lamborghini is about to have it.

Winner in life!

Although it is not as good as his cousin, his height is also very impressive.

"I don't have that much money, do I?"

Xia Qian heard Su Ying say that his family was going to "invest" 1 million in him, and when he thought about himself, he couldn't help but feel a little lost.

"Your cousin has it!"

Xia Qian shook his head, "He definitely won't invest in me!" I talked about this during the Chinese New Year, and I was scolded by him for being bloody. ”

"At his level, he definitely can't look down on this little money. ”

Su Ying said again: "I don't mean to let him invest. The two of us set up a company to establish a financial cooperation with platforms such as Yimin Netfinance or Ruimin Wealth Management.

They give us money, and we pay interest. ”

"Forget it!"

Xia Qian thought about it, and because of Zhang Yida's obscenity, he still didn't dare to agree to Su Ying's request.

Su Ying sighed, lit a cigarette to himself, and said, "You are afraid of wolves and tigers, and it is difficult to achieve great things if you say something unpleasant." ”

Xia Qian was not yet nineteen years old, and he was young and vigorous, so he was not happy when he heard this, and he said: "If you can't make it, you can't make it! ”

Su Ying felt uncomfortable in his heart, brother, why don't you go to the Tao at all?

With Zhang Yida's cousin, it's a waste not to use such a good resource!

"Hey, that's it. ”

Su Ying thought of a good way and said, "You just hide it from your cousin, just say that this company belongs to me alone."

You refer me to him again and let me talk to him.

Just do it, whether it succeeds or not, I will accept your favor. ”

Xia Qian thought about it, this method seems to be not bad, but I don't know if Su Ying can convince his cousin.

"Okay, I'll introduce you, you can't say I'm involved. ”

Su Ying patted his chest, "Don't worry! ”

……

"Weimin, what are you doing in this knowledge payment community? 500 people are full, and it is less than 10 million.

It's better for us to concentrate on making IOUs and earn the 10 million in a month. ”

Liang Weimin's partner persuaded.

Liang Weimin shook his head, he has matured a lot after several failures, and he smiled: "10 million is also love!

And our community is running, and they can still push us customers if they don't have enough funds. ”

"Okay, you have a point!"

The partner asked, "What are your plans for the future?"

"The loan is still very good, and the traffic is very large. Liang Weimin praised the loan Bei, and then reversed, "However, we can't put all the treasure on the loan Bei."

We need to consider building our own lending platform. ”

"That's right!"

The partner nodded, and took out his mobile phone with a smile, "Come, I'll show you a baby." ”

"What is it?" Liang Weimin walked over.

"This figure is okay, right! Recently, the new fruit loan, should we follow up with a wave?

With this thing, the bad debt rate can definitely be suppressed. ”

"Who came up with this? It's a talent! Genius idea!"