The next day, I told Chen Bailu about the girl coming for an interview, and Chen Bailu was very happy to say that it was very good, and solemnly asked where the appointment was.

After waiting for the o'clock, Chen Bailu actually wanted to meet the personnel girl in person.

I'm a little surprised, this girl doesn't have a high position in IU. When Chen Bailu was the president of IU, she probably didn't know this girl. Now she's jumping over here. Chen Bailu was so concerned.

Chen Bailu saw that I was puzzled, so she explained to me: "She is doing personnel at IU, if she is poached, it will be much easier to dig IU people, as long as we can poach IU's set of people, our company will soon be on the right track, and it will be much easier to recruit other people when the time comes." And she is in the personnel department, and when she comes, our company's personnel recruitment can be handed over to her to do, and it will be more professional at that time. ”

Listening to Chen Bailu's explanation, I nodded.

Chen Bailu relaxed and stretched on the co-pilot, and said happily: "In these years, no matter what kind of work you do, people are the most important."

She didn't know that she was lazy and her navel was mostly exposed. It's as white as jade, and I'm a little embarrassed.

Chen Bailu personally came to interview this girl, which made this girl also a little excited, and she was a little cowering in front of Chen Bailu, and she didn't dare to speak loudly. But fortunately, Chen Bailu is very good at adjusting the atmosphere of the scene, and in three or two sentences, she said to the hearts of this girl, so that this girl can also relax.

It's an interview, but it's actually a meeting.

We sat together at three o'clock in the afternoon and talked until dinner. Chen Bailu looked at the time and invited me to have dinner with this girl. Soil Mu Association No.

This is also completely let go. told Chen Bailu that as long as the salary can be the same as IU, she can poach most of IU's employees.

Chen Bailu was very happy, and immediately said to this girl, if you can do this, you are the personnel manager of our company.

I promise this girl that everything is bragging, and what Chen Bailu said is the real final affirmation.

The girl obviously knew this, and was immediately very happy. Say I'll come over tomorrow to join the company.

Chen Bailu nodded, and immediately said let me contact this girl, and if there is anything I don't understand, you can ask me.

This girl glanced at me, with a hint of charm in her eyes, and made me blush.

When I got home in the evening, I received this girl's WeChat.

She said to me on WeChat: Little handsome guy, you are doing well with Mr. Chen. You see how much Mr. Chen trusts you.

I didn't reply to her, and after a while she sent me another message: Xiao Tiantian.

I still didn't reply, and in less than a minute, the third one was sent to my phone, and I took it out and looked at it, and it was another bloody picture. There is also a sentence next to it: People know that you didn't sleep

I swallowed and replied, "What's the matter with you?"

She replied to me: It's okay, I just want to see if you're asleep.

I sent a little bit of it, and then she sent me a normal picture and said, "I slept, good night."

I quickly replied, uh-huh

After putting down my phone, I kind of understood.

I asked her to come to Chen Bailu's company, which was simply to lure the wolf into the house.

But the result is not particularly bad, and this girl's ability to work is absolutely fine. Just three days later, the girl had already signed her first intention to join. And he is also a very awesome character in IU, and his work ability is absolutely good.

At this time, Chen Bailu's rented office was almost usable, and before that person joined the company, we didn't have a serious office space.

When I was sure to move into the office, Chen Bailu suddenly asked me a question.

She said to me suspiciously, "What is the name of our company?"

"Ah" I was taken aback, thinking to myself my aunt, you have already received an angel round of investment, and you don't even know what the company is called, and most importantly, she hasn't even thought about it.

Because she immediately said to me again, "Ahhh ”

It's a bad question, and I don't even have experience in naming people, let alone companies.

I name a whole bunch of messy names, like Yongsheng, Xiangsheng, the names of a bunch of rotten streets.

Don't say that Chen Bailu is not satisfied, I myself am not satisfied.

In the end, I was really broken, Chen Bailu said to me: "Don't always say something untouched, we are going to do Internet business, say something reliable." ”

When she said this, it reminded me that IU's main business is Internet finance.

It may be a bit broad to say that, but it is also a bit big.

Because Alipay can also be called Internet finance, Jingdong Baitiao can also be called Internet finance, not to mention WeChat payment. The main business of IU is not the same as these three, he only focuses on one point, and says that it is called network P2P financial management, which is generally called Internet financial peer-to-peer lending platform, and it is usury if it is ugly.

Of course, they are still different from usury in the traditional sense, after all, the handling fee they charge is in line with the maximum value of the loan interest in accordance with the national law. Of course, if the money can't be recovered, their food will be just as ugly. Generally, when the repayment period is approaching, they will urge the borrower. If the borrower does not repay the money on the day of the repayment period, the platform will automatically repay the loan from the borrower's account to the platform account and charge a handling fee for one day of late payment.

If there is no money in the account bound by the borrower, then the platform will continue to urge the borrower, and if the borrower still does not repay the money after two days, the platform will notify the borrower's family, friends, bosses, etc., and tell them how much money the borrower owes on this platform. If the borrower still does not return at this point, the platform will not notify the court. Instead, contact the local platform agent and let the agent come to the door.

Once the agent comes to the door, 95% of the money can be recovered. Of course, agents also have to charge handling fees and late fees. And the remaining five percent, four percent can be repaid by selling the things in the borrower's home, and the last one percent is estimated to be repaid through the court, but his information has been uploaded to the platform, and the late fee continues to be calculated.

Of course, there will always be some bad debts, but in that case, it is estimated that there will not be one out of 10,000.

But, most importantly.

The money that is loaned out is not all the money of the platform itself.

Rather, it comes from the money of many investors, and almost all of such platforms will provide wealth management products with far higher bank interest rates, and after purchasing these wealth management products, the money flows into the platform. The platform then uses this money to lend money to people who need it, or use it to invest in some projects, and through this kind of entry and exit, it can almost be regarded as making unlimited money without principal. That is, almost everyone envies, money begets money

This is the real main business of IU, by those who buy financial products to invest money, they take the money to invest, the business model is similar to that of insurance companies, but it is simpler than insurance companies, and the risk is much higher than insurance companies.

On top of that, it's a zero-sum game, and once the people who invest are not proportional to the people who take out the loans, the game will crash. It is not uncommon for this kind of P2P company to go bankrupt and run away in China, and almost all of them are unplayable games with broken capital chains.

IU is a leader in the industry, but it is still far from the first.

Now Chen Bailu wants to open such a company, it is very important to give a company name, after all, the most important thing in this kind of company is the word trust, if others do not trust your company, they will not use money to buy your financial products, so the company will not be able to survive at all.

I hesitated for a long time, and I couldn't come up with a good name.

Generally speaking, the companies in the same industry are called what Ding, what loan, what treasure, what online and so on. If I can't help but be vulgar, I guess it's okay, but it's not too ugly and vulgar.

Suddenly, I looked at Chen Bailu with some surprise, swallowed and said to her, "It's better to call us Bailu." ”

Chen Bailu frowned and looked at me with some puzzlement.

I hurriedly explained: "No matter what financial credit we call, it sounds average, and the most important thing for us to run a company is integrity, just use your name, you see the Gree mobile phone made by Dong Mingzhu's eldest sister, and the boot is a photo of yourself to give a speech, saying that this is called respecting users, let's simply use your name, so it is easy to be trusted, and you have a good image, suitable for being a spokesperson." ”

After speaking, I swallowed and looked at Chen Bailu with a blank eye.

Chen Bailu frowned, and after a while, he stretched out, nodded with charm and said, "It seems to be the truth, but the spokesperson still lets others do it well." ”

I instantly smiled, and Chen Bailu said, "I'll go back and ask others to see how the name is." ”

I nodded in agreement.

After deciding on the name, I talked to Chen Bailu about some more details, and only after confirming everything did the two of us leave the meeting place. When I got in the car and asked her if she wanted to go home, she hesitated and said to me, "I want to meet someone on a trip to Jing'an Temple." ”

After I drove to Jing'an Temple, Chen Bailu went in alone and asked me to wait outside.

I sat in the car and lit myself a cigarette.

Although Chen Bailu also smokes occasionally, she hates me for smoking, so I don't usually light a cigarette in front of her. Of course, I didn't smoke before. But after all the worries I've been going through lately, I've come to get caught up with it. When I was studying, I hated smoking in my class, and I had a fight with someone because of this.

Now I feel a wonderful feeling when I see myself becoming the way I hated at the beginning, but it is not uncomfortable.

Perhaps, this is also a kind of growth.

Looking at the cigarette burning in my fingertips, I suddenly smiled.

In fact, I know who Chen Bailu came to Jing'an Temple to meet, and I also understand why she didn't let me in.

In the far corner of Jing'an Temple, there is a hut, Chen Bailu's mother Huang Fei sits in front of the table in the house, the house is full of incense, filled with a unique rustic taste. Huang Fei is a very strange woman, she is a devout Buddhist, but she is also a Christian who goes to church.

Believing in two completely different religions at the same time, in the eyes of true believers, this is an act of betrayal, but Huang Fei does not think so, and she once said a famous sentence: The belief of no religion can make people truly transcendent, so I only have more faith in one family, so that when I see God, I can ask him, what do you think of Shakyamuni

Chen Bailu came to Concubine Huang, knelt on the futon, took out an incense stick, and put it in the incense burner to worship.

Only then did I really see that the thing on Concubine Huang's table was not a Buddha statue, but a bowl of water.

There was a lot of dust after the burning of incense floating on the water, and when she saw Chen Bailu coming, Concubine Huang opened her eyes and asked her what she was doing here.

Chen Bailu asked Concubine Huang when she would leave Jing'an Temple and go home for two days.

Concubine Huang shook her head and said that she was going to India in the next few days and would not go back.

Chen Bailu was a little hesitant, but Concubine Huang saw her daughter's thoughts at a glance and asked her if she had anything to say.

Chen Bailu asked Huang Fei what the company's name meant by Bailu

Concubine Huang pondered for a while and said: "The time and place are favorable, you only owe people, and you can succeed if you believe in it." ”

Chen Bailu was stunned and asked, what is harmony

Concubine Huang smiled and said, who gave you this name

Chen Bailu did not hesitate and told her mother everything.

After Concubine Huang heard this, she smiled and said to Chen Bailu that there was already a person

Chen Bailu was stunned for a moment, then understood what Concubine Huang meant, nodded and withdrew from the hut.