"What are you going to do?"

Wang Yunxi's eyes widened, looking Wang Yan up and down.

"The third master wants to use money, I won't say a word. If you want to use it, you have to give my brother a reason, and then inform the third master. ”

Reason?!

I'm going to buy three good habits!

How is it really legitimate...... Hey, Castle Peak Psychiatric Center, please come here!

Wang Yan laughed twice and haha: "I'm joking with you...... Why do I need so much money......"

"Bastard! Teasing your brother?"

Wang Yunxi laughed and cursed, and continued to nibble on watermelon.

It's not funny, I really want money, but you definitely won't give it......

Wang Yanna wanted to cry without tears, and he didn't want to be seen, so he had to continue to chat.

Xizi is in a very good mood today, and she talks very much, and she talks about the inside story of the industry.

Wang Yan was very interested, but he was very responsible, and finally understood 90%.

The whole process is actually not complicated, and in summary, it is basically five points of self-proof-

You have to prove that you are you (ID card, mobile phone call logs)

You have to prove that you are borrowing voluntarily (fill in the form on the spot, video recording)

You have to prove that you have the ability to repay (employer, proof of income)

You have to prove that you have creditworthiness for repayment (credit report)

To be able to find you in case of problems (proof of address, emergency contacts)

Above, the things required are very clear, and there are verification measures in each link.

However, there is still no guarantee that there will be no problems.

According to Wang Yunxi, there are now many people who make a living in the small loan industry, both inside and outside, and those who suck blood and grab money.

Some ignorant local bosses entered the market with checks, wanting to get a piece of the pie, but in less than a year, they were emptied by the store managers below.

Loans that are not on credit are easy to give rise to old people, and then there are salesmen and customers who should cooperate with each other, and the bad debt rate suddenly jumps up, hollowing out a local boss, which is easy.

Wang Yan asked casually: "Brother Xizi, have you helped the customer get it?"

Wang Yunxi took out a cigarette, lit it, and raised an index finger with an ambiguous smile: "A customer can at least get this number!"

"10,000 yuan?" Wang Yan was startled.

Brother Xizi nodded, and then sighed abruptly: "Good customers are hard to find......"

Wang Yan found it incomprehensible: "Then you cheat, the customer doesn't pay back, and the company can't look for it like crazy?"

"Find a yarn!"

Wang Yunxi pouted disdainfully.

"Brother will tell you the truth, really open up, customers with real ID cards and real information are not afraid to find.

What can you do with the door-to-door collection?

Those who don't dare to fight or scold can only discuss and grind slowly. The case is not qualified to be filed, and the judicial department is not bothered to pay attention to our small loan case at all, and it should be handled as an economic dispute and a mud.

As for those who use false information, they really can't be found.

Huaxia is so big, how much collection does the company have to raise to cover it?

Even an outsourced collection company won't gnaw on the kind of list that can't find anyone, and it's not a big immortal, can it be counted?

Now in our industry, 15% of bad debts are basically allowed by default, and after the fake information loan is discovered, it is directly thrown to the bottom of the collection library, and no one pays attention to it at all, anyway, it will be cleared once a year.

In case the company goes bankrupt, it will be sold directly, and the employees are all working for money, who will bother with that effort!"

After making the final summary, Brother Xizi repeatedly advised: "There are often such things in the industry now, everyone tacitly agrees, just don't get caught anyway." Don't you go out and mess around, you know?"

"Don't worry, I've got it. ”

Wang Yan has always been a very stable child and has a lot of credit, otherwise Wang Yunxi would not have said so much at all.

After thinking about it, Wang Yan felt that there seemed to be only a little obstacle left in the whole process, so he asked casually.

"How do you deal with return visits? Isn't it strict?"

Wang Yunxi smiled, as if to say: naïve.

"There is only one way to visit a store, and that is to check your workplace address on the spot. Generally, as long as it does not come with a purchase contract, they will not go to the home address to check it. ”

"Once the application is submitted, the company's headquarters will call you and your main contact person separately to confirm your identity. ”

"If you make a mistake in answering a question, then you don't have to worry about lending. ”

"In fact, there is no need to worry, because the salesman who receives the order will definitely help the customer to conduct drills in advance and familiarize himself with the specific process. ”

"And in our industry, there is also a special answering company, like we sometimes receive special customers, we will find a answering company, to pretend to be the contact of the customer. ”

"People are skilled in business, never goof, and even sell good mobile phone numbers. ”

Wang Yan couldn't help but be speechless: "So powerful?"

Wang Yunxi proudly threw out a new word: "Industrial chain, understand?"

I don't understand, I don't understand, big guy society!

Wang Yan just wondered: How high is the profit to give birth to such a strange industry?

And the loan shark can actually get into the campus, and it is naked and forced to pay debts, it is simply rampant to the home, I'm afraid I don't know how to write dead words, right?

Just as he was about to ask about the campus loan again, Wang Yan's parents came back.

Comrade Lao Wang looked at his son, who was obviously very energetic, and asked curiously: "Xiao Yan, what are you doing today? Have you had a lot of fun with your classmates?"

Wang Yan said with a smile: "I didn't go out, but I chatted with Brother Xizi, it's quite interesting." ”

When my mother came up, she supported Wang Yunxi: "Xizi go and bring a bucket of ice water, let's eat cold noodles today!"

The family began to work on dinner.

Chilled cold noodles, full of shredded cucumbers, tomato slices, capers, spicy cabbage, cut an egg, a few slices of sauce beef soaked in, cold and sweet and sour, refreshing and appetizing, not to mention how refreshing.

It's a pity that there was no European Emperor crit.

After eating, Xizi said goodbye and went to the village to play billiards, Lao Wang went to play 1 cent mahjong, and his mother Wang Xiufang went to square dance, and they all went out of the house.

Wang Yan didn't have anything to do, so he went out to open a black Internet café with his friends, and passed the addiction of robbing children.

I was sprayed until more than 10 o'clock and went home to sleep.

When I woke up the next morning, I was sleepy-eyed and just a little awake, so I immediately opened the panel.

Take a look at it and let it take a breath of air.

Well, the system is still there, not a dream!

Just as he was about to close the panel, his eyes suddenly kept looking, and the whole person was awake.

In the system mall, there is one thing lying upright - a habit cultivator!

I'll go!

Why didn't you refresh?!

Ask the system directly, and the explanation is: the system mall is open for the first time, and the refresh function will be officially opened after a full natural week.

It's so humane!

In other words, the [Habit Builder] will stay in the mall for a full week, and it will not be brushed off until midnight the next Monday.

Wang Yan was so happy that he danced for a while, and was suddenly stunned.

Wait a minute!

Money!

The second-level system, which pays more than 2,700 yuan a day, still takes 11 days to save enough 30,000 yuan!

the!

Finally, there is another opportunity, and this time it must not be missed!

was so anxious that he turned around, Wang Yan suddenly thought of the chat with Brother Xizi yesterday, and his heart moved.

Small loans!

As long as you can do it, a sum of money is enough!

And there is plenty of time, and if it goes well, you can pay the next day or even the same day!

Wang Yan immediately rushed back to the bedroom, picked up the book and pen, and sorted out the process.

After the one, two, three, four, and five columns, Wang Yan realized that one of the biggest problems was...... Age and identity.

According to Kikoko, no company would lend money to high school graduates.

It is enough to say that you are 18 years old, but in fact, it is basically impossible to make it under 20 years old.

Moreover, there must be a formal job, preferably as a civil servant and a public institution, and at least three insurances and one housing fund for ordinary work.

Therefore, Wang Yan's ID card is definitely not good.

Unless......

Wang Yan's eyes burst with excitement, and he immediately rushed into his parents' bedroom and pulled out an ID card in the sundries drawer.

Name: Liu Dapeng

Age: 22 years old

Nationality and ID number omitted.

YES！

Liu Dapeng, now known as Liu Yupeng, is Wang Yan's cousin and the only son in his aunt's family.

Brother Dapeng is in the Special Economic Zone, I don't know why he moved his household registration once, and his name and address have changed.

At that time, I was catching up with a chaotic period of household registration management, and I was looking for acquaintances to do things, but the old ID card that should have been invalid was not collected, and it was kept at Wang Xiufang's place, and it could be used normally.

When Wang Yan didn't get his ID card, he secretly went to the Internet café to surf the Internet, using Brother Dapeng's ID card, and there was never a problem.

So, it's a fake ID card that works!

The biggest puzzle solved!

In theory, there is a possibility of success in the matter of making small loans.

Next, we must take every step of the way, sort out all the details, do it solidly, and turn the possibility into a victory!