10 million is enough, He Qing bypassed this topic, and inevitably came to a girl's favorite gossip: "How are you and Yi Lian doing?"

Juchen doesn't seem to talk about his private life: "It's still the same." ”

He Qing: "It doesn't seem that the relationship is too close?"

Ju Chen: "Oh, maybe, but there is no need to be so intimate, to enjoy the feeling of being in love, warm and long, a rare life experience, why worry?" He is not in a hurry, anyway, he can date Pei Li from time to time, in fact, he and Pei Li are the closest lovers.

He Qing put his hand on his cheeks and complimented: "There are not many people who can be worthy of Professor Ju now, so young, so knowledgeable, and rich." ”

Juchen: "I don't have any money, if only I were really rich, now I'm worried about the annual interest rate of crowdfunding." ”

He Qing: "The interest rate is only 5%, and the interest you hand over to me to manage your finances is higher than this." Crowdfunding reached 120 million, which is really amazing. ”

Juchen: "You know these numbers very well. ”

He Qing: "You can use it to lend, now online loans are very popular, and they are all usury, we can help you collect money, you should have confidence in this regard, right?"

Ju Chen's heart was shocked, this is really, why is the mysterious organization called a mysterious organization? Of course, there is a mysterious power, and this aspect is Juchen's shortcoming.

As far as Juchen knows, most of those who do online loans have "mysterious power" behind them, otherwise they can't do it at all, don't listen to those successful bigwigs fooling what Wei Guangzheng, without the despicable evil behind them, they can't succeed.

I have to ask, "How much interest can you give me?"

He Qing: "This is my personal business, you have to keep it secret, I will give you 10% interest." ”

Juchen was taken aback, this condition is really good. He has about 120 million cash in his hand, mainly in the form of cryptocurrency, half of which can be used for lending, and he also has 6 million a year, and the problem of corporate debt seems to be no longer to worry about, the only thing worth worrying about is whether the mysterious organization is reliable.

"Can I redeem it at any time?"

He Qing chuckled: "Of course not, it will take at least half a year to redeem." ”

Juchen shook his head: "It seems that it still can't be done, because I am very likely to invest, otherwise why does Apple have 2 or 300 billion US dollars in cash in its hands? ”

He Qing: "You can be given a one-month redemption period, but the interest rate should be reduced to 7.5%. ”

Juchen: "What about a week?"

He Qing: "That's too short, it can only give you 5.5%." ”

Juchen: "So little...... Think about it. ”

He Qing: "A week, it is equivalent to redeeming at any time, which is too difficult, and you can't find a better investment than me with 5.5%." ”

In fact, He Qing's heart is pounding, she is rarely involved in this aspect of the operation, until now she has slowly entered the role of the powerful figure of the mysterious organization, during this time, she has been in contact with various characters within the organization, because Renmei can speak, and has been liked by a lot of people, who doesn't like to contact with such a beauty?

Juchen actually wants to get involved in the business of online loans by himself, and this business is quick to make money.

Who needs money? Who can really have the ability to repay the money? Juchen thought about it, and thought of the old drivers who were substitute drivers, because the substitute drivers were hard, riding portable battery cars in the wind and rain, and always dealing with drunk car owners, and often being scolded.

These veteran drivers need money to buy their own cars and do taxi business, but they may not have the money. Lend money to these old drivers, the annual interest can reach the level of usury, and the car itself is a mortgage, so you can't lose anything, and you rarely need to collect money.

Old drivers don't necessarily need one person to bear a car, two or three people can work, two people can work in two shifts, three people can work in three shifts, they need a middleman to match.

As for what kind of taxi they need, let them decide for themselves, you can buy Wuling Hongguang or Buick GL8, both are magic cars for passengers, and it is also very convenient to be a hitchhiker.

Juchen wants to make a taxi platform by himself, and the payment is through his own APP, which is convenient to deduct the driver's monthly payment. The current ride-hailing platform has basically monopolized, and it is difficult for the new platform to turn over, so it can only steal the leftovers of some giants, just like the feeling of the ancestors of dogs tens of thousands of years ago picking up bones from humans.

Fortunately, the main purpose of Juchen is not a taxi platform, but the car loan itself, as long as there are some gimmicks, such as: the driver of the monopoly does not want the order, you can transfer the order to his driver.

After the transfer order, the original driver can also get a part of the share, which increases their income, which is regarded as an information fee.

Juchen's previous two projects were related to substitute driving, so he could easily obtain the data of relevant promotion targets and sell them "car loans". The difference between his car loan and ordinary car loans is that the owner can buy a car with others, and he can withdraw at any time, just pay a handling fee, anyway, it is used for operation, zero risk.

He even came up with the bad idea of "sharing license plates", because many places in first-tier cities need local license plates to make special cars, as long as the color of the car is the same, it is not impossible to share license plates, and it is very convenient to organize and do this on a large scale.

In this way, the cost advantage is obtained, and everyone can think about the price of license plates in first-tier cities.

Share ownership, share license plates, buy a GL8 for 200,000 yuan has become 100,000, 70,000, plus 1, 20,000 license plate fees, car owners who do not use his financial services, need 300,000 less, more cost-effective!

That way you can spend your cash.

If you borrow 60 million yuan, you can make a net profit of 12 million yuan (about 1.8 million US dollars) a year, which is much more cost-effective than handing over to He Qing, a black intermediary, and you can also have a taxi app project, and you can train programmers on PCC.

The driver can pay off the loan in a year or two, at this time the taxi does not take a commission, when they repay the loan, they can start to take a commission, the monopoly collects 20%, he only needs 8%. When the 60 million US dollars or about 400 million RMB are released, 4,000 cars are bought, and they all join his taxi app, at least 400 per car can be charged every month, a total of 1.6 million, and 20 million a year, about 3 million US dollars.

After figuring out this idea, he began to look for a project manager, he likes to turn an idea into a project, and the less important ones can be handed over to the manager, this time he happened to meet his old classmate, the middle-level cadre of the IT company named Tian Qingwen, a fan of Juchen, can give an opportunity to get rich for the old classmate.

It is better to be a project manager under Juchen than to be a middle-level manager, and he will be a senior cadre of the company in the future.

By the way, I invited Tian Qingwen to travel to New York, at Columbia University, they used to dream of the Tooth Tower, come to yo-yo, and go back to drink a bottle of good wine together, and the last time I drank with He Qing, Rüdesheim has not finished drinking.

The two brothers walked around the campus, Juchen felt very leisurely, sometimes, with buddies, there is more feeling than with beautiful women, especially an old classmate who worships him so much.

Tian Qingwen was very excited: "I can finally mess with Brother Chen, this is my dream all along." ”

Juchen smiled: "You're welcome." ”

Tian Qingwen: "Do you have time to do research as a professor? I see that you are very busy. ”

Ju Chen: "It's okay, the students I select are all very capable of learning, I'm a little jealous of them, their graduation papers are likely to be selected in top scientific journals, kink theory and three-dimensional space are really a match made in heaven, the great mystery of the universe."

When I watched "The Three-Body Problem", I felt that Da Liu's description of the four-dimensional space was particularly awkward, and I always felt that something was wrong, but I couldn't think of it, and then I studied it and found that it was very likely that more dimensions would not necessarily bring a more complex world, and it was also possible to collapse the complexity of the universe. ”

Tian Qingwen sighed: "I want to be your student when I hear it, do I still have a chance?"

Juchen laughed and patted the old buddy's shoulder: "Forget it, you're not young, I'm afraid you don't have that energy." ”

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