90. Business and rules
"What kind of business is this?"
Guan Huang's gaze swept over everyone, no one avoided it, and secretly sighed that his aura was not enough, so he stopped selling Guan Zi, and said directly:
"Just now, one of our banks launched a consumer loan, in order to lower the threshold and save procedures, there is only one requirement for customers, as long as the customers who pay wages in the bank have a quota, the loan procedures are very simple, as long as you spend a large amount, you can get the corresponding loan by editing the text message."
Hu Rui and the others looked at each other, not knowing what they meant, this felt like nothing was wrong.
Listening to Guan Huang continued: "You must know that customers who need loans do not have this consumption demand. ”
Hu Rui: "Why? ”
Guan Huang: "Since you need a loan, how can you spend a large amount of money." ”
Meng Zikun thought for a while, and finally understood, "That is to say, I was already short of money, but you asked me to spend a large amount of money before I could take out a loan." ”
"Yes, it should be said that this loan is indeed good news for ordinary customers, but there are gaps in the design process."
Hu Rui asked modestly, "What should we do?" ”
Guan Huang said directly, "We only need to advance funds for large consumption on behalf of customers, and then withdraw a certain commission." ”
Zuo Xiaolei: "In essence, the loan money was spent in advance. ”
"That's right."
"Okay, let's do something first?"
"Visit every prospect and come to an agreement."
Hu Rui: "We'll transfer all the money to your card." ”
Guan Huang smiled, "Then everyone still entrusts me to operate?" ”
"Yes, we can rest assured that you will do things."
"Go for it."
……
Several people nodded one after another, and Guan Huang was not in a hurry, and asked, "How do you divide the money in the end?" ”
Zuo Xiaolei was a little puzzled: "It's okay to divide according to everyone's capital contribution, and if you contribute half of the money, you will take half of the profits." ”
Guan Huang looked at a few people and did not speak.
Hu Rui's face changed, and when he thought of a key, he couldn't help but feel bitter in his mouth.
Meng Zikun also figured it out, and his face changed, "If you have anything to say, just say it, we brothers don't need to go around the bend." ”
Guan Huang straightened his face, "I think so, if I do this thing, I will take 20% more profits." ”
Hu Rui: "That's a bit much. ”
"Is it much?" Guan Huang asked rhetorically, "I speak straight, don't mind." ”
"It's fine."
Guan Huang: "I found the news, I have the customer list, based on this, is it too much to take 10%?" ”
Zuo Xiaolei shook his head, it's really not too much.
The business is what Guan Huang wants, and the way is also what he is looking for, charging 10% of the information fee, which is really not much.
If it was before, he could rely on strong capital to bully Guan Huang for having no money, but now it is not good, and people can always do it alone.
To put it bluntly, a few of them are dispensable, and the only key is Guan Huang.
Looking at the general situation of the project that Guan Huang only confided, there is no specific information at all, and he doesn't even know which bank.
Haicheng is also the provincial capital, although it is not as good as Beijing, Shanghai, Guangzhou and Shenzhen, but it is also a leader in the second-tier cities, with a developed economy and a prosperous financial industry.
Banking institutions, not to mention a thousand, there are always hundreds, if you look for them one by one, then the ghost will know which bank launched the loan project.
Even taking a step back, is it really a local bank in Haicheng? Will Guan Huang deliberately set off smoke bombs?
It's hard to say.
In short, in this cooperation, they are at an absolute disadvantage.
To put it mildly, Guan Huang is willing to take them to play, and he can afford them, otherwise, there are more rich people in the school, so why do you have to find a few of them.
Guan Huang swept everyone, although they were not calm, at least there was no jealousy, "The later operation is more troublesome, you need to run a lot of places, take away 10% of the profits, is it much?" ”
No one spoke.
More is not much, but it is emotionally unacceptable for the time being.
It was a bit of a feeling of being on top, but he was beaten down in an instant.
It's embarrassing.
Guan Huang continued, "In this way, if there are a few brothers, whoever is willing to take the rest of the matter will take the other 10% of the profits, how about it?" ”
Several people's eyes lit up, isn't this picking up money for nothing?
Hu Rui: "How much profit do you think we can get in the end?" ”
Guan Huang was unsure: "It's hard to say, when the bank finds a loophole and cancels this project, there will always be four or five hundred thousand." ”
One-tenth of four or five hundred thousand is forty or fifty thousand, which is not a small amount of money.
Hu Rui continued to ask, "If we do it, you don't care about it?" ”
Guan Huang nodded, "Since it is handed over to you, then let it go, contact customers, discuss the proportion of handling fees and later debt collection, you will take care of it." ”
When Hu Rui heard this, he immediately retreated.
That sounds like a hassle,
How to convince customers who need loans?
How many pips is appropriate?
What if the other party gets the loan and doesn't pay it back?
……
Zuo Xiaolei spoke first: "Forget it, it's too troublesome, I'll sit back and enjoy it." ”
When others heard this, they also gave up,
"Guan Huang, it's better for you to come, let's take 30%."
"Yes, yes, it doesn't bother the two masters."
……
Guan Huang was not surprised by this result.
In the final analysis, these people are just unhurried students, and they don't have much motivation to run a specific business when they are not short of money.
can earn "easy money", why should he earn "hard money", so in the end, he must have taken care of things.
"In that case, let's turn over the money today and start running the business tomorrow."
"In such a hurry?"
"Hurry up and run a few more orders."
In itself, it is a time difference, and once the bank reacts, the gate will be closed.
"Okay, I'll transfer it to you now", Hu Rui boarded the mobile banking and started to operate.
Guan Huang thought for a while and said, "If anyone is interested, follow me tomorrow to run the business together, familiar with the operation process, this thing, once negotiated, soon, we will help the customer pay a payment, send a text message, the bank's loan will arrive immediately, if it is fast, you can do a few orders a day, if it is slow, it will not exceed two days." ”
His purpose is naturally not to let a few people learn the specific process, but to reassure everyone and show honesty.
Hu Rui hesitated, "Forget it, I won't follow if I have something recently." ”
Others also agreed, and no one wanted to be a free coolie, and as for the issue of supervision, they probably didn't think of it.
Guan Huang was not disappointed.
However, from the bottom of my heart, I have completely given up the plan to train a few people into partners, I can't endure a little hardship, I can't do big things, and it's okay, the positioning of a few people will be clear in the future, investors!