Wen Wan seriously helped them analyze: "As long as it involves borrowing money...... Then there will definitely be a bad guy who owes money and doesn't pay it back, this is a matter of probability, and there are still risks to some extent, so I still advise you to consider carefully. ”

"But right...... Personally, I don't think it's a big problem, after all, the two of you are also well-known in the underworld, and in some ways it is also a one-handed cover, so why bother against you for such a small amount of money? ”

Black and white impermanence nodded in agreement, what he said is very reasonable, they still have many ways to wear small shoes for others, dare not pay back the money?

Wen Wan touched her chin thoughtfully, and put forward another idea with the theme of "borrowing money", "If the conditions allow and the funds are sufficient, you can also engage in Huabei and borrowing in the underworld." ”

Black impermanence: "Huabei? ”

Bai Wuchang: "Borrow? ”

The two ghosts exclaimed in confusion, and Wen Wan realized that there was no such thing in the underworld, and hurriedly gave them a simple popular science and said: "We have been opening mobile payment for many years. ”

"To put it simply, it is to deposit money in the bank, and then bind the payment software on the mobile phone, and you can directly transfer and pay through the payment software when you go out, so you don't have to go out with money."

"Then the payment software has also derived some lending functions, Huabei and borrowing are simply another name for the lending function, borrowing money has not been repaid and the credit will be directly blocked."

"Credit information?" Black and white impermanence is full of question marks.

Wen Wan explained simply: "Credit is simply a person's creditworthiness, once it is blocked, it will have a great negative impact, such as housing loans and car loans will not be able to be handled, job search will also be blocked, and you will not be able to enjoy the government's preferential policies." ”

"Is it so serious?" Black Impermanence couldn't help but gasp.

"Hmm." Wen Wan nodded lightly, and then continued to analyze: "It's because the consequences are serious, so no one will dare to cross the rules!" ”

After she finished talking about the operation mode, she made a serious suggestion: "If you really want to do this, you can refer to it, I think it is a good project without competitors." ”

"Speaking of which...... The underworld is really outdated now, and now there is not even a mobile payment, and it is inconvenient to go out with money! But if you want to do this, it doesn't matter, you can do it with cash, it's trouble! ”

Hei Wuchang couldn't help but sigh when he heard this, and said with some resentment, "The world is developing so well now, it really makes me envious!" I'm so envious, I'm really envious! ”

"Poofhaha!" Wen Wan couldn't help but laugh out loud when she saw her friend's lost look.

Compared with the underworld, the current world can not only be described by the words "well-developed", it can be said that it has thrown out more than ten times.

She also feels that her life is very happy now, with mobile payment, express delivery, takeaway, this series of convenient operations, and many happy entertainment items.

She can live this happy life, not as hard as the underworld, I really have to thank the country! Thanks to the party! It is really a blessing to be a Chinese person! The sense of national honor is bursting!

"We're all so miserable, don't laugh!" Hei Wuchang sighed helplessly.

My friend is unlucky and I gloat, my friend is beaten and I turn around and run, my friend owes me a hammer, I really can't find a person who lacks virtue more than gentleness!

But Wen Wan is still a rare time today, and comforted as if kind: "Don't be disappointed, don't be discouraged, don't be envious, you work hard, remember my ideas and work hard, one day the Difu will definitely be able to live such a life!" ”

As soon as the words fell, Bai Wuchang waved his hand lightly, and a thick paper book and a brush suddenly appeared in his hand.

"You...... What are you doing here? Wen Wan couldn't help but be a little stunned.

"In order to live this life one day, I want to remember these good ideas from you! A good memory is better than a bad pen! Bai Wuchang replied seriously, with an imperceptible pride in his tone.

Just when he felt that he was about to be praised for his serious and hard-working attitude, he saw Wen Wan's face incredible, and complained in disbelief: "It's been so many years, and you are still writing with a brush and paper of such poor quality??" ”

"I give full marks to this wave of retreat and locking the mansion in the underworld!" She shook her head and sighed.

Then he raised his hand and patted the shoulders of the two friends, and said sympathetically, "I know you are miserable, but I really don't know that you are so miserable!" I didn't feel anything about it when I heard you say it just now, but now I feel that I feel the ......."

"Don't worry, I will definitely do my best to help you without reservation! It's really miserable! It's miserable! ”

Wen Wan sighed frantically, her willingness to do her best to help was obviously a good thing, but black and white impermanence felt very sad. In fact, they also feel that they are quite sad, but it is different from others saying it and saying it themselves.

After glancing at each other in impermanence and impermanence, he sighed deeply at the same time, and kept muttering in his heart, isn't their brush good enough? Aren't they good enough with this paper? This is already the top paper and pen in the underworld, how come it is nothing in the world? ?

Wen Wan was laughing non-stop, but after catching a glimpse of their lost little expressions, she quickly stopped laughing, and then reached out and took out a small portable notebook and pen from her bag.

She shook the notebook and pen in her hand, then pulled out the cap of the pen and stuffed it over, explaining what she just said, "I don't look down on the meaning of writing with a brush, calligraphy is our traditional art, and I myself like to write calligraphy." ”

"But the brush is still more suitable for calligraphy, and it is more comfortable to use a ballpoint pen and a pen for dense note-taking, so you can use this to remember."

Hei Wuchang didn't even glance at the stationery in his arms, and stretched out his hand and stuffed it directly to the brother next to him, he was really not interested in what pen was comfortable to write, after all, he was not a ghost who loved to learn much.

What he is more concerned about now is, do people like to carry paper and pen with them when they go out?

He couldn't figure it out, and finally he couldn't hold back his curiosity, so he had to ask, "...... Are you all in vogue now to go out with pen and paper? ”

"Huh?" Wen Wan was a little confused when she heard this, but she still shook her head and replied truthfully, "No." ”

"Then why do you go out with paper and pen?" Hei Impermanence broke the casserole and continued as if asking the end.

Wen Wan smiled helplessly, and deliberately showed off and said, "Because I'm red!" ”

Black Impermanence: "......"

Bai Wuchang: "......"

Damn it! It is really loaded!!