"If they don't come, they won't come! Hold off on recruiting people in advance, how much money do we have in our account? ”

Only then did he close the office door, and Ye Zheng asked Zhang Min the company's core question. When this online loan platform didn't arrive, he was worried that something would go wrong and stayed up all night, and now that he bought it, he had to worry about this mess.

He still has 3 million in cash, but this is an emergency fund, if there is no capital to lay a foundation, it is easy to cause panic among users, and then he may face the risk of crazy withdrawal. Although the platform is very poor, it must give users the illusion that it is not bad money.

"There are only 700,000 funds left in the company's account! However, these days, an average of 50,000 yuan of investment goes into the company's account every day! Zhang Min followed him and reported seriously.

"Only 50,000?" Ye Zheng turned his head and glared at her.

He knew that the recent situation of September Online was very bad, and after Xiao Nan took over Baiyun Investment, he intended to give up this money-burning machine. According to Zhang Min, since the beginning of this year, online has achieved "zero advertising costs" in September, which can be described as extremely poor.

It's just that I didn't expect that this old online loan platform only has an average investment of 50,000 yuan a day, which is a world of difference from those who cheat money and run away. People can raise hundreds of millions of funds in three months, and they don't have more than 5 million in three months, which is really embarrassing.

"Now the average interest rate on our platform is 13%, which is not competitive in the market at all!" Zhang Min pursed his lips and shook his head helplessly.

Ye Zheng was also very happy to take over the company, but in the face of this mess, she was also helpless. He was especially aware of Ye Zhengzhì's financial situation and knew that this road would be difficult.

"Our interest rate is going up right away!" Ye Zheng sat on the sofa and immediately made a decision.

Ye Zheng actually has the gambler's factor in his blood, otherwise he would not have run back to Guzhai to quarry. Now gnaw this hard bone, if you are more steady, not to mention that it is not in line with his character, you will have to go back to study obediently in the end.

Why did he study so hard, not so that his mother could live a better life and not need to look at the faces of those rich people? Now that there was such an opportunity, there was no way he could back down.

"How much?" Zhang Min asked.

"How about 20%?" Ye Zheng clenched his fists tightly and said seriously.

"That's not right!" Zhang Min immediately shook his head.

"Why?" Ye Zheng was puzzled.

"Judging from our current interest rate, if it is raised by more than 20%, I am afraid it will cause a run on more than 3 million! Although the money may come back, these investments that were originally absorbed with 13% interest eventually become investments with 20% interest. Zhang Min explained.

This is just like the interest rate of the bank, if the one-year fixed deposit rises from 3% to 6%, it will immediately cause a large number of people to change the deposit, which will make the bank suffer greater losses.

"It doesn't matter, it's nothing to pay more interest!" After Ye Zheng understood it, he immediately shook his head.

Now he has actually become a tiger, and from the moment he accepted this company, he has become a "loser". Then there are only two ways to go, one is to find a way to make money to make up for it, and the other is to tear down the east wall and make up the west wall.

Although raising interest rates now will hurt his own interests, it is a thing that has to be done. It's not just a matter of mending the wall, he needs to "use money to make money", otherwise sitting is a dead end.

"Boss, why don't we take a more moderate approach and gradually raise the underlying interest rate." Zhang Min is mentioning yì again.

Ye Zheng didn't listen to other people's opinions, he understood that raising the interest rate to 20% at once would certainly absorb a lot of money. But again, he'll be taking on heavier interest and will immediately face the risk of a run and other unknown risks, which is a good idea to gradually improve.

"Okay, let's start with 16%!" Ye Zheng nodded.

……

In the evening of the same day, a new target will be released online in September, with an interest rate set at 16%. This move really worked, and the investment amount suddenly increased from 50,000 to 250,000 that night, a full fivefold increase. It can be seen that netizens still attach great importance to interest rates.

After dealing with the company's affairs, Ye Zhengzhì returned home and received a call from Gu Li and learned bad news.

"The Seventh Po is dead!"

……

This is actually expected, at the beginning of the month, Ye Zheng sent the seventh woman to the people's hospital in the city for a physical examination, and the results were found to be advanced liver cancer. It's just that she didn't expect that after only half a month, her old man died.

No one can escape birth, old age, sickness and death, which is indeed embarrassing.

Ye Zheng originally wanted to call the tiger girl, but he didn't know what would happen to this little girl, and whether she would eat in a big gulp. But seeing that the hour hand was already ten o'clock in the evening, and he put down the phone again, in fact, he didn't know how to comfort him.

If his mother died, I'm afraid no one would be able to comfort him!

One night without a word, the next day.

Ye Zheng called Hu Niu's phone, but it couldn't get through, showing that the phone was turned off. If it was before, he might have gone back to Guzhai to have a look, but now that he has just taken over the company, there are too many things for him to deal with.

"Boss, no!"

Ye Zhengzhì's car was stuck in a traffic jam, and he received a call from the anxious Zhang Min.

"What? Is there a run on the website? ”

As soon as he heard that there was a run on the website, Ye Zhengzhì's heart suddenly twitched, and his mind was buzzing. In the event of a large-scale run, he would not be able to cope with the situation at all, and at the same time he could not understand how such a serious accident could suddenly occur.

Not to mention that a debt-ridden platform like Ye Zheng is like a bank, if there is a sudden large-scale run, I am afraid that it will eventually lead to bankruptcy.

This qiē is all because of a post on the Internet.

The post was posted on a well-known forum, with the title "Scammer's New Move, Buying Old Platforms and Absorbing Chips with High Interest!" 》

……

The general content of it disclosed that a boss surnamed Ye acquired September Online, a subsidiary of Baiyun Group, and raised the interest rate by 3% on the day he took over. According to insider information, the platform's interest rate will continue to rise after that, eventually reaching an attractive 24%.

And the boss surnamed Ye of this platform has no intention of operating at all, the purpose is to absorb chips at high interest rates, and then run away.

The post smacked of aggression and was followed by baseless speculation, but the post became inexplicably popular.

"The conscience of the industry, thank you for the warning!"

"Who is still online in September, it is already OUT, recommend a small loan!"

"I just paid back yesterday, fortunately I haven't invested yet, hurry up and get back the bank!"

……

Too many of them here are obviously trolls, and they deliberately put up the post, the purpose is self-evident, it seems that they want to put September Online to death. And this effect is also obvious, a large number of members poured in, one after another, have applied for divestment.

Half an hour after Ye Zheng rushed over, he received a withdrawal application of 1 million.