Then the topic shifted to the previous reduction of interest rates, and the eighth master said with a smile: "Xiao Kun, tell everyone what you consider when you propose to reduce the interest rate." ”

At that time, I made this suggestion, in fact, I just wanted to implement it in the field I was in charge of, but I didn't expect it to be raised to the point where it was possible to implement this new standard in the whole south gate.

If my proposal is approved, it will be a milestone turning point, and no one will dare to say that the South Gate is usury, at best, it can only be regarded as private lending.

In fact, the interest rate at South Gate is really not too high, but it is more straightforward to say that it is easy to cause trouble, and now many lending companies, their interest rate seems to be not high, just four times the bank interest rate, but in fact, there are handling fees, service fees and other messy things added behind it.

They're also lending usury, but they're a little smarter.

I have learned about this, so I am very confident in convincing the big brothers at the South Gate.

I thought about it for a moment and said, "Our relationship with Sliver is like that of a mouse and a cat, we can never take it lightly, and we must always be wary of when that toothless cat will slap you." So although the two sides are getting along fairly peacefully and peacefully, no one can guarantee when the strip will attack us. Therefore, I think that it is better for our community to do things as much as possible in the future. It's like the interest rate hasn't dropped much, but it can guarantee that the strip will not take us, after all, even if we arrest our people, can we sue them for abuse of power and illegal private lending? Make! ”

The eighth master nodded and said, "You are right, let's go to the insurance company to buy an insurance." ”

Lei Ao said: "But although it seems that the interest rate drop is not much, the accumulation is not a small amount." If it really has to be implemented at the standard of four times the bank rate, I am afraid that it will reduce the income of my brothers and cause people to be distracted. I believe that in recent years, everyone has also seen that the people in Xicheng do everything, pornography, gambling and drugs, and they are doing well, and everyone is smiling together. This interest rate cut is afraid of causing a lot of commotion. ”

Hearing Lei Ao's words, Ding Crab nodded and said: "I agree with Brother Ao's words, we are already making less money now, and if we reduce interest and income now, it will definitely affect the morale of the army." ”

Long Ju also nodded on the side, agreeing with Lei Ao's point of view.

I also expected this situation, so I prepared a set of rhetoric in my heart, and immediately smiled: "Lowering the interest rate will not necessarily reduce income, the interest rate will be lowered, and the money we release will be protected, even if there is any dispute, we can stand on our feet, and the reduction of the interest rate will also attract more people to borrow." And our advantage is that we have the backing of the South Gate, we are not afraid that people will not pay back, we can completely lower the threshold, we only need to be 18 years old, just show your ID card. ”

When the eighth master heard my words, he smiled and said, "In this case, we won't become a bank." ”

I smiled and said, "There is nothing wrong with being a bank, I believe everyone has seen that the interest rate of the bank is the lowest, but why do people have higher incomes than us?" That's because there are many people who take out loans, and a single loan doesn't seem to make much money, but it can add up to a lot, so it's not a small amount. ”

"There is some truth in Xiao Kun's words."

Hearing my words, Long Ju nodded slightly, and began to change his attitude to support me.

Seeing Long Ju's reaction, I became more confident in myself, and continued: "Lowering the interest rate, although there may be a short-term decrease in income, I believe that as long as word of mouth spreads, our business will only get better and better, and our income will increase." At that time, it is not impossible for the eighth master to consider setting up a company to be responsible for this aspect of the business. ”

The eighth master nodded and smiled: "Xiao Kun, you think very far, this coincides with me." After speaking, he stood up, walked behind the bigwigs, and said as he walked: "As far as I know, many well-known big gangs abroad are seeking legalization, have established companies, and find ways to become legitimate businessmen, I think we should also make such an attempt, lowering interest rates is only the first step, if the effect is good, then we can consider a comprehensive transformation." ”

"Do you want to transform into a legitimate business? Eighth master, most of us are illiterate, but we don't know how to do business. ”

Lei Ao said again.

Zhao Wanli said: "Yes, Eighth Master, it's okay for us people to fight, but if we want to do business, it will be difficult for us." ”

The eighth master said: "We must keep pace with the times, otherwise we will be eliminated by the times, just like now I am learning the computers that young people play, and it is not bad to play games in my spare time." It's the age of computers, and how many people don't know how many people don't understand computers? Do you feel like you're going to be left behind? Aren't all here doing business? In fact, you have been doing it for a long time, aren't bars, nightclubs, and KTV all businesses? It just needs to be a little more standardized. ”

Hearing the words of the eighth master, Brother Yao, Zhao Wanli, and Xie Feng all nodded.

Lei Ao is more stubborn, and he still doesn't think it's appropriate.

I pondered for a while, and felt that if Lei Ao nodded first, the problem should not be a big deal, and immediately said: "Actually, I haven't finished my words yet, if Brother Ao thinks that lowering the interest rate will lead to a decrease in income, there can be other ways to make up for it." ”

When Lei Ao heard my words, he became interested and asked, "What way?" ”

I said: "The reduction of interest rates can be real or fake, it is really calculated in strict accordance with the bank's four times the interest, and no half of other additional fees are charged, and the fake is that we clearly reduce the interest rate, but in fact, we can make up for the loss by charging service fees and other ways." In addition, when signing the agreement with the customer, it can also be stated that if the repayment is overdue, a late fee will be imposed, which can also bring a considerable income. As for whether to choose a true or false fall, it depends on the meaning of the eighth master, the true drop is more conducive to the long-term, but the fake drop can keep the current interests. ”

When the eighth master heard my words, he couldn't help but look at me.

"Bang Bang!"

Guo Tingting, who had been sitting on the sofa without interjecting, suddenly clapped her palms and interjected with a smile: "I think Mo Xiaokun's suggestion is very suitable, let's take a fake first, and then decide depending on the situation, if the effect is good, you can cancel the service fee." ”

When I saw Guo Tingting interjecting, I was quite surprised in my heart, and glanced at Guo Tingting, and it happened that Guo Tingting also looked over.

Eyes met, and I felt as if she was a little interesting to me, and quickly looked away.

I can't mess with women anymore, and this woman is still the eighth master's beloved daughter, if I let the eighth master know that I am good with Xia Na, and then hook up with Guo Tingting, the eighth master will have to dismantle me.

The eighth master also agreed with my words very much, and immediately made a decision, saying: "It's so decided, each hall has the right to choose independently, if you are worried that it will reduce the income, you can fake it first." ”

"Alright then!"

Although Lei Ao still couldn't accept it, the eighth master made a decision, and there were not a few people who supported him on the spot, so he had to nod and agree.

After the interest rate revision plan was passed, the eighth master seemed to be in a very good mood, and he actually invited everyone to stay for dinner, and specially invited me, which made me a little flattered.

In the process of waiting, Lei Ao and the others couldn't stay idle, and proposed to find poker to drink, and the eighth master was also a mixed person, so he didn't think it was inappropriate, so he immediately asked people to send wine and poker.

Because it was the first time I came to the eighth master's house, I was afraid that I would get drunk and make jokes, so I didn't join in.

Guo Tingting saw that I was alone, so she walked over and asked me with a smile, "Why don't you play with them?" ”

I laughed and said, "I have a stomach ache and can't drink." ”

Guo Tingting said: "You're quite bored here, come with me, I'll take you to have some fun." ”

This is not particularly meaningful, but I can't help but think of Li Xiaoling, if Li Xiaoling says to take me to have something fun, then there must be some new tricks, to find excitement.

Looking at Guo Tingting again, she actually had such a little impulse, her fine skin and tender flesh must be very beautiful.

Although I don't really want to have anything to do with Guo Tingting to avoid getting into trouble, Guo Tingting opened her mouth, and I can't refuse, after all, the other party is the eighth master's beloved daughter, and I can't afford to offend, so I have to nod and agree to Guo Tingting.