Chen Xiaojian heard Xiong Liang say this, and probably knew what this person did.

This is the first time Chen Xiaojian has done this kind of thing in his two lives, and he is inevitably a little uneasy in his heart, and he doesn't know how to do it, so he unconsciously makes a finger rubbing action, and his thumb rubs the four fingers of the little finger, ring finger, middle finger and index finger from bottom to top, and subconsciously glances at Xiong Liang.

Xiong Liang knew what Chen Xiaojian was worried about, so he explained to Chen Xiaojian: "The three of us saved some money last night, but it was still far from enough. Then I called my brother again and asked if there was anything else I could do to help you. Then my brother gave me this phone number, and he said that he could rest assured. ”

Bian Yuanya followed up and said, "Brother Panda is a policeman." ”

After Chen Xiaojian heard this, he smiled faintly, and then put the card together with the bank card given by Li Bing.

Chen Xiaojian said to the three of them: "Thank you, I won't say much else, it seems hypocritical." ”

Bian Yuanya said: "It's okay, you're welcome." ”

Xiong Liang and Li Bing also nodded.

Indeed, although this money is not much, it can be regarded as a ride for the three of Xiong Liang, but they believe that Chen Xiaojian will not cheat himself.

They all felt that Chen Xiaojian was a person who could be trusted, and their intuition was right.

Chen Xiaojian said: "Class will be in a while, the three of you will go back first." I'm going to think about it a little bit. ”

When Bian Yuanya heard Chen Xiaojian say this, they all went back to the classroom. When the three of them went out, they all patted Chen Xiaojian's shoulder.

When Bian Yuanya patted Chen Xiaojian on the shoulder, he said, "It's okay to go back to the classroom later, and when the teacher asks, I'll say that you are not feeling well and go to the infirmary." ”

Chen Xiaojian smiled and did not speak. Then I watched Bian Yuanya and the three of them walk through the playground towards the classroom.

Chen Xiaojian leaned against the wall and rubbed his slightly swollen head, as if everyone had misunderstood something because he didn't explain.

actually scraped together a few thousand yuan for himself, thinking that Chen Xiaojian only felt warm in his heart, full of emotion, and then took out the card that Li Bing gave him, and looked at it in a daze, a little distracted.

In fact, these thousands of yuan are better than nothing for Chen Xiaojian. If he can't get at least 100,000 yuan, then there is not much difference between having and not having this money for Chen Xiaojian.

But since they handed over the money to themselves, Chen Xiaojian felt that they could also use the money to operate simply.

When Chen Xiaojian took out the card Xiong Liang gave him, he didn't know what to do for a while.

Chen Xiaojian took out a cigarette from his pocket, lit it and smoked it. This is Chen Xiaojian's habit a long time ago, as long as he feels that it is not easy to decide on some important matters, Chen Xiaojian always orders a cigarette.

Xiong Liang's explanation, although he didn't say it explicitly, Chen Xiaojian understood that this should be a loan shark's phone number.

It may not be good to say that usury may not be good, but in fact, it can also be called: private credit.

In fact, to say that it is a usury is indeed a bit wronged to him, after all, it is legal in the first place.

It's just that although the interest rate of private credit is very low compared with those illegal loan sharks, the interest rate is still much higher than that of bank loans.

Therefore, in the eyes of many people, the so-called private credit is just a change of usury, but I have to admit that compared with usury, the interest rate is much lower and more formal.

One of the advantages of private credit is that compared with banks, the criteria for credit qualification assessment are not unique or fixed, and they are relatively flexible.

Applying for a loan is much simpler than a bank or other official financial institution, and it has a very subjective impression.

In other words, their credit assessment does not have a very reasonable and uniform set of review standards similar to that of banks, but is subjectively judged by the handling staff, and then the loan can be disbursed after the reviewer approves it.

For example, when a legal citizen wants to take out a bank loan, whether it is a commercial loan or a car loan or a housing loan, he needs to provide a series of hard information, that is, access conditions.

Such as real estate deeds, credit cards, social security documents, etc. Then, the bank will confirm and verify the customer's qualifications based on the information provided by the customer, and review the customer's credit history and other information, and then grant a loan limit.

After the initial approval of the loan, it is necessary to provide bank card statements, passbooks, fixed deposits, etc., to confirm that the lender has the ability to repay.

These are provided to the bank for review, and only after the review is passed, can you get the money, the procedures are more cumbersome, and the process is more complicated.

As a private credit, it is very simple. In the words of many people, "As long as you have an ID card, then you can borrow at least 50,000 yuan." ”

It's a new industry that has just been on the rise for a long time, and it will grow more robustly in the future, complementing the diversity of borrowing in another way.

Chen Xiaojian took a deep puff of cigarette and then came out of his nose. The stimulation of cigarettes made Chen Xiaojian's thinking clear again.

Chen Xiaojian has almost thought of all the ways he can think of, but he really hasn't thought of raising funds through private credit.

When Chen Xiaojian couldn't go through other roads, Chen Xiaojian began to think about the possibility of doing private credit.

Chen Xiaojian now needs a large amount of cash, and there is not much time left for Chen Xiaojian to raise funds.

In terms of the review method of private credit, it is completely timely, and it is even rich.

Chen Xiaojian's use of this money will not be very long, it will only take a little more than a month.

Because the period of use of this money is not long, even if he may choose a higher method with a higher interest rate at that time, Chen Xiaojian can fully accept such an interest rate.

The review time, lending time, and loan interest all fully meet Chen Xiaojian's needs, so Chen Xiaojian can fully accept this way of credit borrowing.

Thinking about this, Chen Xiaojian felt that such a loan method was completely provided for his current self.

Chen Xiaojian began to think further, he thought of various methods for two days, but he didn't think of any good way, but Bian Yuanya and the three of them only spent one night to help Chen Xiaojian think of such a method.

While admitting that everyone has blind spots when thinking, Chen Xiaojian feels that it may have something to do with his own style of doing things.

As a service person working in the car sales industry, at least once was. Chen Xiaojian has subtly developed the habit of avoiding risks, and feels that he must not do anything that he is not completely sure of.

It is precisely because of this reason that even because of his previous work experience, Chen Xiaojian is very aware of the way of credit, but in Chen Xiaojian's heart, the idea of "I'd rather not do it than do it wrong" makes Chen Xiaojian subconsciously filter out this way.

Chen Xiaojian sighed secretly in his heart, in fact, he still has a lot to work on, after all, he has decided to live a completely different life, so naturally it is impossible to be the same as in his previous life.

In any case, at least because of Bian Yuanya and the three of them, Chen Xiaojian has taken a solid step forward from the first small goal he set.

It's just a small step, but it's a very important one. Because if this step can't be taken, maybe Chen Xiaojian can only give up such an opportunity and start waiting for the next opportunity again.

The last thing Chen Xiaojian wants now is to wait.

After thinking about this, Chen Xiaojian snuffed out the cigarette in his hand and returned to the classroom, Chen Xiaojian had already made a decision, do it.

Chen Xiaojian is now really glad that he chose liberal arts instead of science in high school.

If he had chosen science, Chen Xiaojian would have crashed into the wall and died.

Next year's college entrance examination will adopt a new model. As the first generation of candidates for the college entrance examination reform, many high school students are confused, and even many high school teachers are confused, because they feel that they have no way to keep the pulse of the college entrance examination.

After the reform of the college entrance examination, the original N+X model became the 3+2+X model.

The total score of the college entrance examination is the sum of three subjects: language, mathematics and foreign language, the other two minors, and the other four main courses are all completed in the second year of high school.

This is the first time that the college entrance examination is divided into two assessments, and the second year of high school is also known as the legendary "small college entrance examination".

Chen Xiaojian felt that he was lucky, because the "small college entrance examination" had been completed, and the results were all good, all of them were A's.

If Chen Xiaojian hadn't started the "small college entrance examination" when he crossed over, or was in the process of "small college entrance examination", then it is estimated that Chen Xiaojian would have planned to drop out of school directly.

As a liberal arts student, Chen Xiaojian took two minors in politics and history in addition to the three main courses of language, mathematics and foreign languages.

There are a total of five courses, and Chen Xiaojian is very confident in other courses except mathematics.

Language has always been Chen Xiaojian's strength, even if he has been away from textbooks for many years, it will not affect Chen Xiaojian too much, because there are really too few things to memorize in Chinese.

Politics is a subject that is not easy to do well, but it is even more difficult to fail the exam.

History has always been very good because of Chen Xiaojian's interest, and now, it may be even better than when he was in high school.

The weakest English is no longer a problem.

Now the only problem appears in mathematics, originally Chen Xiaojian's mathematics scores were only okay, but now for so many years, he has almost forgotten all the things in high school mathematics.

If he wants to take the math test now, Chen Xiaojian feels that he can only take the test for more than ten or twenty points.

After all, mathematics is not English, there are almost no multiple-choice questions, all of them are questions that require calculations, and now these are completely blank for Chen Xiaojian.