Chen Zaitian sat quietly in his chair and did not speak.

Since he didn't speak, Xu Wenjin didn't dare to disturb him, and since Xu Wenjin didn't dare to disturb him, Li Shanchang couldn't squeak.

So the two of them could only stand quietly on the side and not speak.

Since he woke up for more than a month, Chen Zaitian has been avoiding one thing, that is, his life and career plan. The reason is not because of anything, but after all, in the previous life, after all, he has lived for more than 30 years, and he has chased fame and fortune, although he does not say that he has reached the top in his career, but he is also very human, and he has seen, thought and done too many things, and he is indeed a little tired.

On the second night after being reborn, he had already thought about it, planning to rest quietly for a while, live a dull life, not to intrigue, not to chase fame and fortune excessively, just as a long vacation for himself after more than ten years of work. If a person has been working for a long time, he will definitely want to go outside, see, relax and let go of everything in the world, and let go of the burden on his body and heart. Now he has just arrived in a new country, where he can experience foreign customs and cultures. Maybe this is a bit of a waste for his identity in his previous life, but he thinks it's really good, he really enjoys his current life, at least he is not so tired in his heart.

He doesn't know how long this holiday will last or how long it should be, he just wants to enjoy this rare holiday, a rare dream. It's a pity that what he didn't expect was that reality came so quickly and so closely.

People live in this world, no matter how noble they are, they can't do without fame and fortune. Too many people live for these two words, and too many people die for these two words. There are also too many people chasing the word two around.

No matter how he wants to hide, as long as he is still on this earth and is still reborn in the human being, the spirit of all things, then he will never escape fame and fortune, and they are always by his side.

Girls' Generation, Hyo-min, Xu Wenjin, Yoo Jae-seok, etc., who dares to say that they are not chasing fame and fortune? It's just that what they are chasing is more in line with their original intentions, more in line with the moral orientation of today's society, the original intention is good, then the fame and fortune you are chasing are also good, if your original heart is sinful, then this is bad, although the essence is the same, but it is the difference in people's hearts.

The human heart sometimes even determines your life.

If everyone is drunk, why should they wake up alone?

For Xu Wenjin's bad debts, it is quite simple for him to clean up, compared with the affairs of a province that he dealt with in his previous life, even if he was asked to take care of the entire "Southern Cave School", it would be no problem, not to mention a small handicap.

Therefore, dragons are always dragons, and insects are always insects.

After dealing with Xu Wenjin's business clearly, he immediately divided several departments according to the characteristics of their work: entertainment, usury, protection fees and action teams, and then made a business plan according to the internal management of the company in his previous life. Society is also a society, but it is just a sub-society, and it is also inseparable from the basic relationship between people and status in society, and the nature of the state and enterprises is the same, and management is naturally the same.

After all, it is the soul of a great country, and the most indispensable thing in China's thousands of years of culture is intrigue and power struggle, conspiracy, and control. Let Chen Zaitian say, even the gutter oil is invented by our big Chinese countries and used on their own compatriots for profit, where can the underworld in this small place of South Korea jump? Not to mention the management of this handicap under Xu Wenjin, he estimates that he can come up with three countermeasures in the last toilet.

Other departments are okay, just copy some management models directly, and then after some marketing methods and skills, there is no problem at all. For example, debt collection, Chen Zaitian told them that they can solve this problem from two angles. That is, first, to avoid the risk of customers running out of money. Second, if the risk comes out, we need to resolve the risk.

How to avoid the risk of customers running out of money. This starts with a holistic analysis of the client's financial situation. In addition to considering the customer's creditworthiness based on the customer's past bank records, financial records, and personality, etc., we also make accurate data analysis. For larger loans, the customer must also be asked to show his plan for the use of the loan, and someone must be assigned to supervise their use. In addition to these regular analyses, there will also be some clients who may not meet our borrowing criteria in the conventional analysis, but they have a loan plan that has great potential and is likely to bring great benefits, so we can decide how much we borrow based on the degree of confidence in their loan plan, and of course the interest rate of this borrowing is relatively higher. Also, there is the issue of interest rates. It is not possible to apply the same interest rate to every customer, which is unfair to some customers. Different interest rates should be applied to different customers. Those who have high credit in the past, have borrowed here and repaid, and are willing to borrow for a long time, such good customers must relatively lower the interest rate. For those who have bad credit and no borrowing records, short-term borrowing, the interest rate should be relatively increased, and for those particularly bad customers, such as taking money and drugs, it is necessary to resolutely refuse to borrow.

The second point is how to solve this problem when the risk of customers having no money to pay back.

The first is the debt-to-equity swap. In the past, when gang groups like Xu Wenjin and others failed to repay a customer, they often snatched all his cash and smashed his property. Let Chen Zaitian say that it is not right to do this. The right thing to do is to keep the client's cash in his hands so that he can have enough cash flow to sustain the business, and then convert his debts into equity and become a shareholder of the client. In this way, the interests of the customer are integrated with our own. Then, it's time to start helping customers turn things around. Then, naturally, you can share the profits of customers in the long run. This is known as a debt-to-equity swap. The advantage of this is that it can not only make the relationship between itself and the customer from antagonism to unity, but also allow itself to obtain stable income from the customer for a long time. This practice is aimed at customers who own a company and have a certain level of operational capacity.

The second is disguised repayment. That is, if the customer can't pay back, but they don't have a business, then you can let them contribute to us with their skills or relationships, and then we can offset the arrears with their contributions. For example, if a lawyer owes us a debt, then we can ask him to be our free legal counsel and help us pay the money in the lawsuit. If there is a doctor, he will be a free doctor for all of us. If it's a stockbroker, he's going to help us speculate on stocks. Or if someone is well-informed, then we need them to help us provide all kinds of information, if someone has more interpersonal relationships, then we can ask them to help us introduce us to some useful people, or let him help us introduce people to borrow money, or introduce people to deposit, and so on. This is useful to most people, because I will be useful in heaven, and everyone has strengths. Rather than kill him, we should let him use his strengths to pay off our debts. This can be regarded as an indirect solution to the unemployment problem for the United States. Because their job is to pay our debts!

Chen Zaitian naturally has a set of things to say about these. directly asked Li Shanchang and Xu Wenjin to record with a pen, and at the same time took out a tape recorder to record on the side, anyway, he didn't plan to say it a second time.

As for the action team, Chen Zaitian was directly handed over to Xu Wenjin. Chairman Mao has a good saying: The barrel of a gun hits the regime, since it wants to be black. In society, the armed forces of the 'barrel of guns' must naturally be had, and they must be strong enough and ruthless enough.

This is naturally Xu Wenjin's favorite, Chen Zaitian gave him the task of cleaning up all the members under his own market within a month, those who are a little more literate can help the internal work management of the organization, and the illiterate ones are directly included in the action team, at least to form an excellent team. Let them train every day in addition to eating and sleeping, physical training and fist and foot kung fu training, as for the specifics, Xu Wenjin should know better than him, what Chen Zaitian has to do is just to help him straighten out and rationalize these things.

And the little gangsters and hooligans at the bottom who are attached to them, those who can run errands will run errands, those who are literate will be cultivated, and the rest will all get out if they make trouble.

For the management of the entire organization, it is completely operated according to the company's model, and everyone has a matching job, salary, and benefits. In the past, those who ate and spent indiscriminately were naturally not allowed, and income and expenditure were recorded in a unified account, and expenditures must have invoices. Since better management of the company's finances, it can also reduce expenditure and avoid taxes reasonably.

Fortunately, Xu Wenjin's handicap is still small, and there are only about ten formal organization members under him, and now everything is still too late to start anew, and it is easy to adjust, and it will grow stronger in the future, and everything will follow the route of his return, the difference is that the work has changed from one person to many people, and the territory has changed from this small piece to the whole city.

Therefore, it is terrible to be uneducated, and it is even more terrible to be educated. If you are a small organization like society, you can imagine what kind of effect it will have. Of course, he is just providing a planning plan, which can be regarded as an overall outline of development trends and models, and the real implementation still depends on some talents who also have some cultural knowledge. Therefore, he gave Xu Wenjin another task, that is, the management of each department must recruit some people who are at least educated, and don't be as illiterate as them.

It's easy to say, but it's definitely not easy to do, Chen Zaitian can think that his good days are over, at least for the first month, he has to call every day to understand the progress of everything and the existing problems, and then come over once a week.

One afternoon, the three of them had been sorting out these questions and materials, and most of the time it was naturally Chen Zaitian talking, and the two of them were listening carefully and taking notes. Afterwards, Li Shanchang was amazed, calling him a genius and a god, and admired and admired him so much that he threw himself to the ground.

Xu Wenjin's matter is over, but it should be his turn.

What should I do in the future?

After thinking about it carefully, Guangguang raised the amount of money in his pocket, this time he didn't even need to go to the toilet, and he could come up with at least six or five in the time to spit out a mouthful of phlegm. The simplest is naturally to bet on football, the future World Cup, NBA games, etc.; Then there is the lottery, and he may not remember the rest, but he still remembers the lottery with the highest amount of $640 million in the United States, which caused a sensation all over the world at that time, but this will have to wait until 2012 to go;

Of course, it is impossible for these to be immediately effective now, and in the case of betting, it is impossible for him to remember the results of all future football games, and he knows about those large-scale football and basketball events, but this will have to wait for people to start playing before he can place bets. There is nothing to say about football in 09, and the NBA in the 08~09 season has just passed. However, despite the wait, he is absolutely confident that he will become one of the few wealthy people in South Korea in the next three years with these so-called bugs.

But there will be so many things, so many things, so much money to take care of in the future, one person will not be busy, and you will have to get a company, but what kind of company? And his current funds are still limited, otherwise even if he knows that the Spanish national team will win the world championship title in the 2010 World Cup, it will not be much fun to bet three or five hundred thousand at that time, at least he will have to make tens of millions of dollars back. (He's also a little afraid that these soccer events won't change the odds and some of these betting deals because he is reborn because he is reborn.) So, there's still a problem of finding a way to make some money before that.

Chen Zaitian really didn't expect that his question would be more nerve-wracking than Xu Wenjin's confused account.

Xu Wenjin now feels light, he originally hated troubles the most, and now the biggest troubles before have been solved by his third brother, he is very happy. His third brother is really powerful, no matter what he does since he was a child, he is better than him, he used to fight with him, but now that he doesn't fight, he still has to come up with ideas. And he also found that the third brother was more calm and sophisticated than too many people he had seen, and he couldn't even think about those methods and methods, and he could just talk about them and say them reasonably, and they became a set of plans, and he really admired them.

But the third brother seems to be troubled now, in his opinion, no matter how big the trouble is, it shouldn't be as big as the mess he had before, such a person can solve his troubles casually, can he still have troubles? Can't solve your own problems on your own?

Looking at Chen Zaitian's frowning brows and pondering for a long time, Xu Wenjin hurriedly asked, "Third brother, what are you thinking?" ”

Chen Zaitian touched his head, leaned back against the chair and said casually: "Hey, it's not a big deal, it's just that I want to do something in the future, and I want to get some side business or something, but I don't know what to do, and then I don't have much money at present." ”

"Isn't it! Are you bothered by this? Xu Wenjin looked at him with wide eyes.

"yes, otherwise what do you think, or you can tell one." Chen Zaitian rubbed his temples, this problem is really not small, the main reason is that he doesn't pay much attention to any line of work, and he feels bored, but according to the current situation, he has to do it. "I guess you kid can't think of a reason."

Xu Wenjin heard what he said, thought about it, and suddenly had a stirring in his head, and couldn't help scolding: "You don't need to think about it, don't I have a ready-made one now." ”

"Huh?! What ready-made. ”

"My company, third brother, didn't you just say it, let me reintegrate all the businesses in the organization, according to me, don't be so troublesome, let's just get a company, and the business in the organization is the company's business." Third brother, you will be the president, and I will be the chairman and minister. Haha, that's a great idea. "It's great, it's great! Xu Wenjin was secretly happy in his heart, if he got such a company, he would be able to tie the third brother to himself, and let him take care of the troubles of the organization and the company in the future. Suddenly, Xu Wenjin felt that he was actually quite smart, but sometimes he was a little lazy and used his brain.

In order to be afraid that Chen Zaitian would not be moved, he continued to instigate: "I know that you must be afraid of trouble, third brother, as long as we get such a company together, you just need to come over and take a look when you are free, take care of it, and give us some methods and ideas. When the time comes, the third brother wants to be your agent, and you can be an artist if you want to. ”

Depend on! Chen Zaitian couldn't help but curse in his heart. What has become of such a company, there are usury, protection money, and violent gangs in its business, and if this company wants to talk about it, it will definitely be destroyed by the government in less than three days. Moreover, this kid obviously wanted to help him go into the water, and then he was so chic.

However, scolding and scolding, Xu Wenjin's idea is not impossible, as long as he is secluded and handles those sensitive businesses, it also saves him his troubles, and he doesn't have to bother to get any other companies, and he naturally doesn't need to spend money. Moreover, the temptation of the last sentence is still quite great for him, not to mention that he is also his younger brother, and he can do whatever he does, so it is better to pull him along.

"That's fine, but you'll have to listen to me."

"Okay, no problem, third brother." Xu Wenjin stood up happily and gave him a military salute in a funny way. "Be sure to obey the commander's orders."

"That's what you said, first of all, you have to restrain your brothers in the market, and you must not fight, abuse violence, and so on. Give me rules, if you like to fight, then give me my own fight, build an underground boxing gym, I don't care who you like to kill, it just can't affect the company's business and image. As for the rest, I'll talk about it when I think about it. ”

Open an underground boxing gym, the third brother has a lot of ideas, and he knows how to think about himself too well, Xu Wenjin is now happy. "I'll go register the company tomorrow." He wished he was going now, it seemed that he was right to let the third brother personally go out to be his chief. "Then third brother, what kind of bright name should we come up with for this company?"

"Huh? Doesn't your gang have a syndicate name to manage you? ”

"There's a fart, if I had it, I could still do this. The business of the organization is the responsibility of the senior brothers, in addition to helping the company to be optimistic about its companies and nightclubs, the rest are developed by ourselves, as long as we pay the membership fee on time. ”

"How much do we have to give them in this company?"

Xu Wenjin smiled and said, "Hehe, it's not too much, it's just a dry stock." ”

Chen Zaitian nodded, Yicheng is a dry stock, it's okay, at least it can save a lot of trouble in the future on the territory of the "Southern Cave School". He thought for a moment and said in a deep voice: "Let's call it Red Star Company!" ”

"Red Star... Firm? ”

"Yes, the shining five-pointed red star, the Red Star Company."

"Ah, I'm so tired." Chen Zaitian stretched and yawned. "What time is it?" It's been an extra day, and his ass hurts a little.

Li Shanchang, who had been looking at him with adoring eyes on the side, looked at the time and said, "It's almost 20 o'clock." ”

"Damn, it's so late, this is the end of the day, you don't have anything to do at night, third brother, let's drink and eat barbecue together in a while."

Chen Zaitian rubbed his eyes. "It's eight o'clock in the evening, it's been a long time, at night, there should be nothing to do at night." At this point, he snapped open his eyes and stood up. "It's eight o'clock in the evening?"

Things, what will he do, tonight is Xu Xian's birthday, yesterday Yun'er said in his ear, invite him to go over to celebrate Xu Xian's birthday.