Chen Xiaojian sat and drank a sip of water, rubbing his thumb and index finger of his right hand lightly, looking at the reception room.

The place is not big, so there is a table and four chairs. The wall is not painted with white paint, but is very fashionable with wall covering, which looks more elegant.

There are three paintings hanging on the wall, all of which are relatively small in size, and the style of painting is postmodernist, anyway, Chen Xiaojian didn't understand what the painting was.

Maybe even the person who painted this painting doesn't know what he is drawing, but he just thinks that he is painting. Maybe the boss who bought this painting doesn't know what this painting is about, but he thinks that this painting is full of connotation when he looks at it, and it is hanging when he looks at it, which is completely in line with his taste.

Of course, it is also possible that all three paintings are treasures. But Chen Xiaojian knew that this possibility was not possible.

Chen Xiaojian waited for a long time, and the door of the reception room was opened.

The one who opened the door was a man who looked to be about thirty, with a white face, a little handsome, and a sense of maturity.

White shirt, black trousers. The shirt did not have a trace of wrinkles, the trousers were very hot, and the seams of the trousers were clearly visible.

Black leather shoes, polished and shiny, dark blue tie, look good material. The hair was short, and the sleeves of the white shirt were rolled up to the elbows, giving it a clean look.

In fact, many people have a misunderstanding about private lending, if they have not been in contact with it, many people will think that those who do private lending are generally mixed with society, the kind of green dragon on the left and white tiger on the right, big and thick arms. Vulgar and unbearable, open and close the mouth of the three-character scripture.

In fact, after I really got in touch with it, I found that the basic private loans are polite, and the service is much better than that of the bank or something.

Private credit in many big cities is actually the same as many white-collar offices, computer uniforms, meticulous.

Of course, if you can't change the loan, it will probably be the same as you imagined in your heart.

After the white shirt came in, he pulled out a chair and sat down, pushed a business card to Chen Xiaojian, and said, "Hello Mr. Chen, I am the financial manager here, Ye Liren, I am very happy to serve you." ”

Chen Xiaojian took the business card, picked it up and looked at it, the white business card, with the name, position, and phone number marked on it. It's very clean, unlike some other companies' business cards, which are colorful and very cumbersome to look at.

Of course, Chen Xiaojian also knows that the so-called financial manager is actually a general term, and it is estimated that the most basic position of all people in their store is the manager.

In fact, this is also a way to win the favor and recognition of customers, and I don't often see TV and say, "Call your manager." ”

It's like you can't handle things if you don't have a manager.

Chen Xiaojian put away the business card and said, "Hello, Manager Ye." ”

Ye Liren said "en", then took out a service manual from under the negotiation table, opened it and handed it to Chen Xiaojian, and pushed it in front of Chen Xiaojian.

Ye Liren said: "Mr. Chen, can you tell us about your needs? ”

Chen Xiaojian flipped through the service manual, which said that there were many packages. The loan term is different, the amount is different, the lender's qualifications are different, and the corresponding loan methods and interest rates are completely different.

Chen Xiaojian doesn't want to do business or buy a house or a car, and he only needs a short-term loan. After looking at it for a while, I didn't find what I was looking for.

Chen Xiaojian closed the service manual, took a sip of water, and said, "It doesn't seem to have the kind I need." I'll tell you directly, and you can recommend it for me. ”

Ye Liren responded: "Okay, if you need to say anything, just say it." ”

Chen Xiaojian said: "I think of a sum of money, the more the better. The more money, the better, but it won't last long, it should be around a month. And you should be able to tell that I don't have a car or property to mortgage for you. ”

Ye Liren listened to Chen Xiaojian's words and said, "Mr. Chen, I can understand your thoughts. But you have to know that all the people who come here to borrow money are hoping that the more the better. But there is always a limit, and you just tell me what the minimum amount you can accept. ”

Chen Xiaojian listened to Ye Liren's words, and did not answer immediately, but took out a cigarette from his pocket and lit one. Chen Xiaojian thought for a while and said, "I understand what you mean, then I'll say it directly." The lowest bottom line I can accept is between 100,000 and 150,000. ”

This is the number after Chen Xiaojian thought about it, Chen Xiaojian knew that it was almost impossible for him to receive a higher amount, after all, he did not have fixed assets such as houses and cars to use as collateral for borrowing.

In the end, it is impossible to reach the amount of mortgage borrowing for unsecured loans.

If the amount of the loan is less than 100,000, to be honest, there is really no point in what Chen Xiaojian wants to do. So why do you need to come to this private credit?

Ye Liren listened to Chen Xiaojian's words, frowned, and said, "If you don't have a mortgage, you still want to borrow so much, it's very difficult." ”

Chen Xiaojian said: "I know it's difficult, but it's because of the difficulty that I came to you, isn't it? If I have all the information, I'll just go to the bank to borrow money, why do I still come to you, you say yes." ”

Ye Liren said: "There is nothing wrong with saying this, and compared with bank loans, our loan methods are indeed much simpler, and the conditions are much simpler. But no matter how simple it is, there are still conditions. And Mr. Chen, you ......"

Chen Xiaojian said: "If you have anything to say, it doesn't matter." ”

Ye Liren said: "Okay, then I'll take the liberty." I think if I'm not mistaken, Mr. Chen probably doesn't have a regular job either. In that case, what are you going to do to pay it back?"

Chen Xiaojian said: "What you said is not wrong, I really don't have a regular job. And in case you don't know, it's not just that I don't have a job. I'm just a high school student right now. As for what you said I will pay back, I can't answer this question, I'm really sorry. ”

Although Ye Liren already felt something in his heart, when Chen Xiaojian personally said that he was only a high school student, Ye Liren still felt that things were a bit ridiculous.

Ye Liren has been doing this for some years, and he has come into contact with countless people, all kinds of people, but there is no one like Chen Xiaojian.

High school students, all little guys, although they are all adults, have to admit that in the eyes of many people, they are just good babies.

How could a good baby who has not been in contact with society have contact with someone like Ye Liren who has a special job?

Ye Liren pondered for a while and said, "In this case, there is actually a way to do it. ”

When Chen Xiaojian heard that there was really a way, the stone hanging in his heart fell down. Chen Xiaojian knew that they would not be untargeted.

As long as it is said that there is a way, there is really a way. Just to see if it's a good idea or a bad idea. Generally speaking, there are more good methods.

Chen Xiaojian said: "Then you can introduce it to me." ”

Ye Liren said: "Since you can think of coming to us to borrow money, then you can also know some of our policies, or you have heard of them." We have so many policies, and there is one policy that meets your needs better. Although it is not completely possible in the strict sense, it can be tried by the big brother. ”

Chen Xiaojian said: "What policy?"

Ye Liren said: "The 'Youth Entrepreneurship Fund' is a special way to borrow money for school students. As long as you are sure that the lender is a student, then you can apply for a start-up fund of 100,000 to 500,000 yuan. ”

Chen Xiaojian said: "The 'Youth Entrepreneurship Fund' is good, but you should know that I will not use this money to really make a business plan." ”

Ye Liren said: "I know that in fact, many people don't use 'entrepreneurship funds' to start businesses. Just like how many of the people in your school who receive subsidies for extremely poor students are really extremely poor students?"

"That's good, I'm afraid that I will have to come up with some entrepreneurial plan or something, not to mention anything else, it's just too late in time. Chen Xiaojian was relieved when he heard Ye Liren say this, and then asked, "Then what do you mean by rubbing the edges?"

Ye Liren said: "In fact, when this 'Youth Entrepreneurship Fund' was first formulated, it was specifically for college students. After all, many college students now want to start their own businesses and approach the 'pride of the sky'. ”

Chen Xiaojian saw that when Ye Liren said "the pride of the sky", there was a trace of contempt in his eyes. This is also normal, in the eyes of Ye Liren and others, an ordinary college student in an ordinary university is not a big deal, and he has all kinds of bad problems.

Chen Xiaojian, as a person who came over, didn't say anything, because Chen Xiaojian had also seen many such so-called college students.

Chen Xiaojian said: "Manager Ye, you said that this plan is formulated for college students to start a business, but I just said that I am not a college student, I am only a high school student now, and I am only a sophomore in high school. ”

Ye Liren said: "Blame me for not making it clear, although this 'Youth Entrepreneurship Fund' was specially formulated for college students when it was originally formulated. But it may be that no one ever thought that high school students would also apply for loans, so when the policy was formulated, there was a small loophole. ”

When Chen Xiaojian heard this, he immediately reacted to what Ye Liren meant. So he looked at Ye Liren and said, "Your consciousness is to say ......" When he spoke, he was a little emotional and spoke a little fast.

Ye Liren said: "It seems that you can also hear it, it is indeed a bit incredible. Such a mistake occurred when this policy was first formulated. ”