On this day, there are many people who have the same idea as Xiao Yao.

Lao Ma, who had contracted more than a dozen acres of melon fields, applied for a loan of 100,000 yuan from the Rural Cooperative Bank but was rejected because his interest on the last loan had been delayed for more than half a month, which was considered to be a bad creditworthiness.

But Lao Ma felt that this matter was very wronged, he was already short of money, who had nothing to do with saving so much money in the card enough for him to deduct interest from the bank?

The bank also cheated, so it sent a text message to remind it, and nothing else.

Now there are so many advertisements, so many fraudulent text messages, and hundreds of unread messages are always displayed.

If the interest is late, will you die if you make a phone call? Do so many staff members sit there blowing air conditioners? Or do they specialize in liquidating damages for honest people?

But no matter what, Lao Ma's credit is really not enough for him to borrow this 100,000 yuan.

He was about to step into a microfinance company when he received a call from the salesman of "Kejiner Huabei".

It's just a cigarette, just a simple real-name authentication, bank card information authentication, and signing on the loan contract. Then, time is also included in the kung fu of this cigarette, and 100,000 yuan will be in the account.

If he hadn't hurried to the bank next to him and took out 100,000 cash, Lao Ma really couldn't believe it.

What I also couldn't believe was Boss Jiang, the small contractor who had been rejected by several banks.

Twenty years ago, you could make a lot of money by contracting any project, but now, the small package foreman is a sandwich cake. If the contractor does not settle in time, the dime of the part-time job below cannot be delayed. The material fee must be paid here, and the goods will not be given if the money is not given there.

Boss Jiang has been a contractor for more than 20 years, although everyone sees him driving a BMW with a big belly, but in fact, he is worried about money every day.

The saddest time, before the Spring Festival, after paying the last payment, there was really only 300 yuan left in this pocket, and it was not enough to live in a hotel if you refueled the car.

Finally, Boss Jiang spent Chinese New Year's Eve in his BMW.

Who would have thought that he, a boss who has been engaged in projects for more than 20 years and has a bank turnover of tens of millions of dollars every month, actually has only 300 yuan in his pocket.

Oh no, after adding oil and dissatisfaction, not a penny is gone in my pocket.

Who is engaged in the project, who knows, the bigger the stall is, the more the demand for funds will be. Originally, it was only a loan of three or five hundred thousand, but now three or five million is not enough at all, and Boss Jiang doesn't dare to calculate the interest every month.

No, I ran into another superlative, but I owed more than a month for the goods, and I actually sued the court. Boss Jiang doesn't want to be on the blacklist yet, it can be fatal, so he must get 500,000 as soon as possible.

Those who can be mortgaged have been mortgaged, and even the microfinance company is hesitant whether it can still lend abroad in this situation, and how big the risk is, so for a time Boss Jiang thought that he was cornered.

A phone call, more than ten minutes of operation, and 500,000 cash arrived, so that Boss Jiang got through the difficulties in an instant.

It's really a God of Wealth falling from the sky!

Such unbelievable things have been staged in Lingcheng in the past few days.

Two days later, the number of downloads of "Kejiner Huabei" has exceeded 1 million, and the real-name authentication rate is as high as 97%. Of course, Song Qian also scattered 150 million red envelopes for this purpose, and on average, each real-name authentication user received more than 100 red envelopes through this application.

In addition, several wealth management products and crowdfunding projects have gathered more than 800 million yuan, and with Xiao Yao's loan, the total loan amount has reached 500 million, and you can get 4 million in interest every month.

These are actually small amounts of money for Song Qian, but they have really set off a lot of waves.

At this time, acquaintances on the street will not ask "Have you eaten" or "Where are you going", but ask: "Are you using 'Kejin Huabei'?"

When you go to convenience stores, supermarkets, or shopping malls to buy things, you don't ask "can you swipe your card" or "can you use Alipay and WeChat" when you settle the bill, but ask: "Can you use 'Kejin Huabei' here?"

Office of the Chairman of the Board of Directors of Huatai Bank.

"What's going on in the past two days? Why have deposits dropped so much?!" Lin Zhenyuan slammed a stack of statements on the table and asked the CEO.

In fact, since Huatai Bank became the largest private bank, it has not been a long, long time since it did such a thing as pulling deposits. Even from the very beginning of the deposit gift, to now the card fee is charged to ordinary depositors.

There is no way, the money is worried about thieves and rats at home, the heart can't stand the ups and downs of the stock market, and the property market is too little and no one wants it, so ordinary people's money can only lie in the bank.

Keep the money for others, pay back the interest, collect some card fees or something, there's nothing wrong with it.

Even so, in the past, Huatai Bank's total deposits, total loans, and net profit were the highest in the industry, otherwise how could it be called the largest private bank?

For the first time, all three indicators have fallen, and by a large margin.

The CEO didn't dare to say a word, because the depositors didn't save money, the previous loans were repaid and the loans were not renewed, and those who purchased wealth management products would rather not have the income and redeem them in advance.

But the CEO didn't speak, it didn't mean that Lin Zhenyuan would be satisfied, he said indignantly: "Give me a plan, and in three days' report, I want to see all the data pick up!"

Yes yes yes, you are the boss, you are right in whatever you say, even if this sentence is bullshit, even if this sentence is completely unoperable, as long as you are the boss, it is right to say it.

The CEO grinned on his face, and the MMP in his heart, like every senior worker, even with a lot of salary, still scolded the boss half to death behind his back.

After the CEO left, Lin Zhenyuan turned on the phone.

On the desktop, there is one more app.

"Ke Jiner Huabei......" Lin Zhenyuan twitched the corner of his mouth, he hadn't clicked on it yet, and he felt that it was a thing that didn't make a climate.

This software is like a virus, Lin Zhenyuan just used the computer to log in to Fangheng Securities yesterday, accidentally clicked on the advertisement, and when he exited, this application was already on the desktop.

Click Delete.

A dialog box pops up, "You have a red envelope worth 100 yuan that you have not yet claimed, you can choose to continue to delete it after receiving it." ”

Lin Zhenyuan scolded secretly, picked up the landline phone and said, "There is a virus in my computer, call someone to reinstall it." ”

The other end of the phone was ready again and again.

But when I hung up the phone, there was a knock on the door.

"Come in. Lin Zhenyuan was still angry.

Xiao Li from the logistics department walked in quickly with a small bag full of various plates.

"Inexplicably, I got a virus, mainly this software, I can't delete it!" Lin Zhenyuan pointed to the red icon on the desktop.

Xiao Li looked at it and was happy: "Chairman, this is not a virus, you can really get a red envelope." ”

"Huh?!"

Lin Zhenyuan flew an eye knife fiercely.

Xiao Li hurriedly shrunk his neck. Heart-to-heart slander: This is really a red envelope!

But taking people's money to eliminate disasters for others, even if it's a good thing, the boss says it's a virus, so delete it quickly.