Chapter 993 Online Lending

"It is impossible to solve this problem manually, and we are studying relevant technologies to improve the public opinion environment of Weibo by technology. As a highly open social platform, Weibo has rich topics and many people as its advantages, and hundreds of millions of users are not so easy to manage. After this incident, I will readjust the operation of Weibo and try to make it more positive. Hang Yu said.

"Looking at your performance, your company has so many products, and the most influential one is Weibo, this thing is done well, I believe the country will pay more attention to Jiangyan Company." As for the matter of auditing, while it is still early, I will simply ask Chen Bingrong out for a meal, and let's have a good talk. Liu Shengjian said.

"Is it convenient now?" Hang Yu asked.

"If he doesn't come out, let's go to his house. Liu Shengjian said.

Just do it, Liu Shengjian immediately picked up the phone and dialed Chen Bingrong's private number, and the other party was very hesitant to learn that Hang Yu wanted to eat with him, but finally agreed.

About a relatively close Su restaurant, less than a kilometer, a small box was booked.

Twenty minutes later, the three sat together.

"Minister Chen, I'll give you a glass first. In line with the principle of respecting the old and loving the young, Hang Yu got up first to toast.

"Boss Hang is too polite, I should respect you first. Chen Bingrong said.

People are like this, they don't leave room when they don't meet, and once they meet each other, they become very polite.

This is also the reason why Liu Shengjian strongly asked the two sides to meet, because he knew that only face-to-face could things be discussed, and it was impossible to say it clearly on the phone.

With Hang Yu's social status, eating together, Chen Bingrong will definitely give face.

After toasting, Liu Shengjian smiled and said, "Lao Chen, you should have had a meal with Yunshan a long time ago, I remember that you have a daughter who has just graduated from college." If you had known each other earlier, maybe you would have become Yunshan's father-in-law, how good it would be. ”

Chen Bingrong shook his head and smiled: "You have known Yunshan for a long time, and I haven't seen you as his father-in-law." Besides, there are dragons and phoenixes among people like Yunshan, and I don't know about my daughter. ”

Liu Shengjian said: "Chen Xuan is much more beautiful than the two in our family, smart, and the age is more appropriate. ”

Chen Bingrong said: "Don't mention it, she found a boyfriend when she was a sophomore, and she is still in a remote rural area. It's not that I dislike rural people, it's just that that kid doesn't look like an honest person, and I'm so angry that I ...... I really don't know what's going on with the little girls now, so I love to find those flowery intestines, sissies. The last time I went home for the New Year, both of them were dressed like stars, I asked, good guy, a dress adds up to 20,000 or 30,000 yuan, which is more than I use in a year. I asked them where they got the money after working outside for half a year, and said they were buying it with a loan. Tell me, can you live like this? Sure enough, she couldn't even take out a red envelope of ten yuan during the Chinese New Year, and she asked her mother for money. ”

Liu Shengjian was a little surprised when he heard this, and said: "No, the last time I saw her, she was very simple, not such a child who can spend money." ”

Chen Bingrong said: "It's bad to learn on the Internet, I read those messy articles every day, what girls have to learn to dress up, beautiful youth and so on." The Internet is not shallow, boys play games, girls learn to make up and dress up, none of them like to study and are unwilling to work, and hedonism is very rampant. ”

Liu Shengjian was a little embarrassed when he heard this, he wanted to speak to Jiangyan Company, but he didn't expect Chen Bingrong's impression of the Internet to be so bad, it is difficult for such a person to make sense.

"Do you know where they borrowed money?" Chen Bingrong asked Liu Shengjian, but glanced at Hang Yu.

"I guess it's not micropayment. Hang Yu said.

"It's micropayment, and the lending function you just launched has greatly stimulated young people to consume ahead of time. My daughter doesn't earn enough money for a year, she borrows a lot, and if she can't afford to pay it, she sends bills to her mother. My wife felt sorry for the children, so she took out the bank deposit to pay off the debt, and then sent back tens of thousands of yuan in bills after a month. If this continues, my savings will be spent on her in less than three years, how will she live then?" Chen Bingrong was a little angry.

Liu Shengjian doesn't know how to say it, young people have poor self-control, there are so many temptations in society, there are always many people who will fall, and the business can't be blamed for this. However, today's merchants want to empty the pockets of users, and they do have certain responsibilities, but they are not illegal, so they are not easy to manage.

"I can understand your feelings, but there are requirements for micropayment loans, first of all, you need to provide a monthly salary and the situation of the unit, and secondly, you need to have a certain credit limit. This greatly limits the amount of borrowing and can help many users who need money urgently. You should know better than me about the problem of private lending, and the lending function of micropayment is definitely much safer than those unknown loan channels, and the interest rate is much lower. Nowadays, in order to satisfy their vanity, many college students borrow usury on various informal online platforms, which is called harmful. The emergence of micropayment can be said to prevent many people who have borrowing needs from embarking on the road of usury to a certain extent. Hang Yu said.

"According to you, you also helped my daughter. Chen Bingrong drank some wine, a little upset.

Hang Yu didn't know how to explain to him, could it be that "if there is no micropayment loan, your daughter will go to the fruit loan", such words must not be said, otherwise he will completely offend the other party.

But Hang Yu thought so in his heart, and it can be seen from Chen Bingrong's description that Chen Xuan should be a girl who is at the forefront of fashion, and her vanity is definitely much heavier than that of ordinary girls.

"Lao Chen, you've drunk too much. Liu Shengjian said.

"I've only had a few drinks, not much, and today I want to talk to Boss Hang about this online lending and advanced consumption, who is harming today's young people. Chen Bingrong said.

"There is no micropayment, there is no Alipay, there is no Jiangnan Mall and Taobao. Ali developed earlier than Jiangyan Company, you really have to blame, blame the surname Ma. Liu Shengjian said.

"If the man surnamed Ma sits in front of me, I will talk to him about it. Chen Bingrong said.

Liu Shengjian and Hang Yu glanced at each other, and he wondered if this meal was wrong.

Hang Yu didn't want to debate this topic with Chen Bingrong, because debate was a bottomless pit, and Hang Yu was not sure or able to convince a person with very different ideas.

It's like a parent who hates online games very much, and if you want him to accept online games, it's not just a matter of words to succeed. Even e-sports has developed very well, live streaming has become popular, and playing games can make a fortune, but most parents still don't agree with online games.

Why? Because it's not their children who succeed.

Micropayment lending is of course beneficial, helping some people who are in urgent need of money, and also inhibiting illegal online lending platforms to a certain extent. But Chen Bingrong's dislike of micropayments is the same as those parents who hate games.

Because his daughter not only did not get help, but embarked on a "chopping road" because of this.

Chen Bingrong is not a corrupt official, he does not have much savings, and he saves it for his daughter to buy a house and get married. Before this, he couldn't imagine that his daughter could spend tens of thousands of dollars a month.

And for most of his life, he saved less than 300,000.

Because of his lifelong consumption habits, there is basically no other consumption except eating and drinking, and the couple spends so many thousand yuan a month. Occasionally buying a piece of clothing for dozens of yuan, and a few hundred yuan of clothes is more expensive in his opinion.

"It seems that our concepts are quite different, and first of all, I have to admit that many young people are indeed spending ahead of time. But there are still relatively few people who are as advanced as Gui Qianjin. There are many young people in our company who have just graduated, men and women, most of them make their own money and spend it themselves, and many of them send money home, or save money to buy a car and a house. If you don't believe it, you can come to our company to take a look and ask, if I tell half a lie, I will cover the consumption of expensive money in the future. Hang Yu said.

"According to you, it's my daughter's fault. Chen Bingrong was already obviously angry, and this sentence was said by staring at Hang Yu.

Hang Yu was not afraid of him, and looked at him and said, "You should know better than me what your daughter's character is." In the face of Chen Bingrong's vexatious trouble, Hang Yu did not retreat.

The most embarrassing thing is naturally Liu Shengjian, who hurriedly reconciled the atmosphere: "Young people's self-control is almost normal, and my little daughter is also buying, buying, buying, and being sensible when they suffer from society." ”

Chen Bingrong gradually withdrew his gaze, and his expression became cold: "What you said makes sense, but this has nothing to do with our audit, I am just acting on orders." ”

The implication is that you can't help Hang Yu.

"I take the liberty of asking, what order did Minister Chen take?" Hang Yu asked.

"Government secrets, inconvenient to answer. Chen Bingrong said.

"Forget it, anyway, we met today, and Minister Chen is welcome to visit tomorrow. Hang Yu toasted him another glass of wine.

I haven't eaten much yet, because the two sides have completely different concepts, or the generation gap problem has caused the two sides to not get along, so the meal ended early. Liu Shengjian expressed regret for this, but he did not force the two to negotiate.

After the separation, it was already past seven o'clock in the evening, and Hang Yu and Liu Shengjian returned to his house again.

Gu Qingxiu has already returned, this time Liu Shengjian did not let her avoid it, because things are inevitable, it doesn't matter if she knows, anyway, the result will be known tomorrow.

"I cooked at home and went out to eat, I don't know what you think. Gu Qingxiu said.

Liu Shengjian ignored her and said to Hang Yu: "I didn't expect Lao Chen's opinion on micropayment to be so big, which also reflects a reality, your company is indeed unpopular in the hearts of many people." ”

Hang Yu said speechlessly: "I don't want to embarrass him, you look at the news of online fruit loans, that's what hurts people." If there is no micropayment lending, there will definitely be more female college students taking out loans on illegal platforms, and then they will know whether micropayment is good or bad. ”

Liu Shengjian said: "Time is not on your side, when they realize this, it is estimated that it will be a matter of the Year of the Monkey and the month of the horse." As it stands, you're going to have to do your best to get the inspection. You have a license to open these functions, as long as there is no problem with the account, even if Lao Chen doesn't like micropayment, there is nothing you can do. ”

Hang Yu nodded and said, "I understand." ”

That being said, but he was a little worried, looking at Chen Bingrong's attitude, not only would he not release water, but he would probably find fault.