Aya Ito felt that her May Day holiday was very fulfilling and perfect.

As a tour guide and translator, she accompanied Bai Xiaolu and Zheng Wentong to visit Disneyland and DisneySea, eating, drinking and playing, and Bai Xiaolu helped arrange the accommodation for two consecutive nights.

On the morning of the 3rd, Bai Xiaolu and Zheng Wentong went shopping at the Isetan Department Store Shinjuku store, and both of them needed to help their relatives and friends buy on their behalf.

Zheng Wentong settled the salary of his part-time job to Aya Ito and also offered an internship job offer. Zheng Wentong plans to seconded two employees from miHoYo Technology to help Aya Ito build the framework of the Tokyo studio.

Zheng Wentong plans to rent an entire office building between 70 and 100 square meters in Shibuya Ward as office space for his Tokyo studio, with a rent of about 8 million yen to 10 million yen a year.

After the office is rented, Aya Ito can start an internship with a salary of 180,000 yen per month during the internship period and 250,000 yen after becoming a full-time employee, and a bonus of 3 to 6 months for regular employees.

Bai Xiaolu is converted into RMB, and Ito's annual income is between 190,000 and 230,000 yuan after being turned into a regular.

"Is the salary of an intern at RB so high when he first joins the job?"

In comparison, the salaries of fresh graduates in 211 and 985 in Slope Capital are only 8,000, while the salaries of graduates from other colleges and universities in Puhai are even only 3,000 or 4,000.

"The level of consumption is different, and 250,000 yen is only enough for Aya Ito to live in Tokyo. She can only rely on bonuses if she wants to save money, which is why some RB girls go to the sea, after all, this is the era of laughing at the poor and not laughing at prostitutes. ”

At the end of the holiday, Bai Xiaolu went back to school, and Zheng Wentong returned to the company to work.

He distributed the cosmetics and souvenirs he purchased to Xu Ru and Jiang Nan.

"These little gifts are all picked by Xiaolu, if you don't like it, it has nothing to do with me."

"Thank you, Mr. Zheng, thank you, boss." Zheng Yaqing had a small dimple when she laughed.

Zheng Yaqing changed her hairstyle, dyed her hair yellow, wore a half-sleeved rose-red shirt and a black skirt, black silk and wedge heels, slim, and changed from a campus girl to a white-collar female in the workplace.

"Our company's dress code is still relatively relaxed, as long as girls don't wear suspenders, see-through suits, and miniskirts, as long as boys don't wear slippers, beach pants and tank tops. The little girl should still dress up beautifully, there is no need to dress up so maturely. ”

Xu Ru agreed, "Yaqing, Mr. Zheng and I wear formal clothes because there are some requirements for reception, and you don't need to draw a scoop according to the gourd." ”

"Okay, Mr. Zheng, Sister Xu Ru." Zheng Yaqing was a little aggrieved, she bought this set of clothes but made a lot of money, after all, she usually bought clothes for a certain treasure, and she was willing to place an order by shopping around.

"By the way, you go downstairs and call Zheng Anguo and Yu Qiao over, I asked about the situation of Transcription Business, look at their financial statements last month, the operating income suddenly increased a lot, I want to know what the specific situation is."

Zheng Anguo and Yu Qiao came over quickly, and Zheng Wentong was waiting for them in the office.

I don't know why, when she first entered Slope Capital, Yu Qiao would joke with Zheng Wentong, but after the Chinese New Year, every time she saw Zheng Wentong, she felt that the boss became more and more majestic.

Perhaps it was Zheng Anguo's humble attitude towards Zheng Wentong that affected her, and she finally realized that Zheng Wentong was the boss of her immediate boss.

Zheng Wentong poured a cup of tea for Zheng Anguo and Yu Qiao, and the two of them hurriedly took it. "How's it going, is it going well at the Transcription Business Workplace?" Zheng Wentong asked Yu Qiao first.

"It's good, Mr. Zheng takes good care of me, if there is anything bad about the finances, Sister Yutong will help me deal with it immediately if she has time."

Zheng Anguo was a little angry, "I said, call my brother, there is only one Mr. Zheng in our company." ”

"Okay, you are now the general manager of Transcription Commerce, and Yu Qiao is not wrong when he calls you Mr. Zheng."

"I looked at the financial statements for April, and there was an extra amount of accounts receivable in it, but the source of income was not indicated, what happened?"

"The number of overdue customers is indeed increasing, after all, their loans are not on the credit report, and the customers who have repaid for more than 6 months have begun to be overdue, and there are many customers who know that the loan is not on the credit report and deliberately do not repay the money."

"Because the business of China Transcription is relatively small, and we happen to be working in Pudong Development Building, we contacted Pujiang Bank and took over one of their bank debt overdue business, because we were not sure whether we could cooperate for a long time, so we did not indicate the source of income." Zheng Anguo answered.

"Yes, Anguo, you are taking the initiative and being good at using resources, Pujiang Bank will follow it well, and strive to become a long-term customer of Transcription Business."

"By the way, your wife's work on Jianwen's side is also very good, she is a rental champion almost every month, and she has won a lot of bonuses, this elementary school teacher is really good at changing careers in sales!"

"Really? I don't know because we both don't talk much about work after work. ”

Zheng Wentong knows in his heart that the reason why these small loan companies do not go to credit is not because it is convenient for customers to escape debts, but because there are tricks in the loan contract.

If the amount of the loan contract is inconsistent with the actual loan amount, the microfinance company will help the loan service fee and insurance premium be included in the loan contract in advance, so as to conceal the true interest rate of a single loan in order to comply with regulatory requirements.

At present, there are three different products with monthly interest rates of 1.49, 1.89 and 2.29, of which the most lending is 2.29 for this product, borrowing 10,000 yuan, and the average monthly interest is 229 yuan.

Taking 100,000 yuan as an example, if the customer uses 36 installments, the total principal plus interest returned to China Transcription is 2,290 times 36, plus 100,000 principal, for a total of 182,440 yuan.

The regulatory structure stipulates that the upper limit of the borrowing interest rate cannot exceed 24% per annum, 100,000 yuan, 36 installments, 24% per annum, equal principal and interest repayment, and the actual repayment per month is 3,923.29 yuan.

Then if calculated according to the interest rate of 24%, the total repayment of principal plus interest in 36 installments is 141,238.44 yuan.

182440 minus 1421238, the extra 41202 is the service fee and insurance premium of 36 installments, so the company will sign a loan contract of 141200 with the borrower, the actual loan amount is 100,000 yuan, and each of the 36 installments includes 1144.4 yuan of service fees and premiums.

Of course, the offline salesman and third-party intermediary of China Transcription will tell you that you can choose to repay the loan early, and if you repay it early, no matter how many installments of the loan service fee and premium will be returned to you, and will not be charged.

Yes, it is true, many customers are actually in a hurry, maybe 3 or 6 months to turn over, when the time comes to repay the loan early, there is no need to pay so much interest. China Transcription, Yirendai and Huafu Puhui are all such borrowing routines.

However, early repayment will generally be charged for early repayment, for example, if the company repays within 6 months, it will charge 3 points of early repayment liquidated damages.

This liquidated damages are charged according to the contract amount, 141,200 times 3%, and the liquidated damages are 4,236 yuan.

If you use 100,000 yuan for only 30 days, immediately repay in advance, the annual interest rate is 24%, the monthly interest rate is 2%, 100,000 yuan is used for a month, the actual interest is 2000, plus 4236 yuan of liquidated damages, and the first installment of 1144.4 yuan of loan service fees and premiums, your actual borrowing cost is 7380 yuan!

Look at the tricks played by these loan companies, which is a financial fraud that takes advantage of information asymmetry to carry out on the people at the bottom.

Zheng Wentong's father, Zheng Xingjian, is in the pawn business, and the interest on external loans is up to two cents, 100,000 yuan a month, and the interest is 2,000 yuan.

Zheng Wentong was studying at Zhongchu University of Economics and Law at that time, and the eldest brother was working in the provincial capital, and the brothers were reluctant to inherit the pawn shop, thinking that the reputation was not very good.

But compared to these bloodthirsty small loan companies, Zheng Wentong feels that Zheng Xingjian can be regarded as charity.

Why are P2P wealth management products frequently thundering, Zheng Wentong summarized that the customer loans of small loan companies come from P2P financial management platforms.

Because many of the loans of small loan companies are not on the credit report, in order to repay the loan, they often have to scrape together and tear down the east wall to make up for the west wall, and it is difficult for the customer's real debt to be reflected in the credit report.

In order to get a high commission, some salesmen even blatantly tell customers that they should change a few issues first, make a show, and don't pay back if they don't get credit anyway.

The salesmen of the small loan companies on the market fly orders with each other, and you can't place the money here, so I will introduce you to another company for approval, and after the loan is successful, the customer and the salesman of other companies will return the points.

Therefore, after many small loan companies make money in the first two years, the overdue bad debt rate of customers rises sharply, and finally the company cannot operate, and the corresponding P2P financial management platform frequently explodes.

It is this kind of financial chaos that has disrupted the entire Internet finance industry, fishing in troubled waters, chaos, and miasma, and finally ending up in a mess.

Zheng Wentong didn't plan to make money in the market like China Transcription, Yiren Loan and Huafu Puhui, he wanted to make a product similar to borrowing, gold bars, micro loans, and money to spend, with interest calculated on a daily basis, borrowed and repaid at any time, without charging loan service fees and premiums, and the daily interest rate was not more than 6/10,000.

Also taking 100,000 yuan as an example, according to the maximum daily interest rate of 6/10,000, 12 installments of repayment, equal principal and interest repayment, the monthly repayment amount is 9340.2 yuan, a total of 112082 yuan in a year, 12082 interest.

Only when these formal lending platforms develop and grow and squeeze out the living space of small loan companies and bad online loans can they truly help the people at the bottom.

Of course, some people will say, why not borrow from the bank? Isn't the person who said this kind of thing the same as Emperor Jin Hui's "why not eat minced meat"?

In fact, the largest audience for microfinance companies and online lending platforms is small and micro business owners and individual traders, whose qualifications determine that they cannot borrow money from banks.

Because the lending market is like this, banks will desperately grant credit to high-quality enterprises that are not short of money, and customers who are really short of money have no way to borrow money, so Mr. Ma's borrowing and MYbank have indeed helped many people.

Collection Company - Small Loan Company License - Consumer Finance Company License - Bank License, Zheng Wentong listed the focus of Transcription Business in the next few years in his notebook.

"Okay, I've got the situation clear, you guys go back first!" Zheng Wentong instructed Zheng Anguo and Yu Qiao.

Seeing that the matter was over, Xu Ru returned to the office, and she mentioned it casually, "The relationship between Manager Zheng and Yu Qiao is quite affectionate, and when taking the elevator, Yu Qiao also helped Manager Zheng brush his trouser legs." ”

Zheng Wentong frowned and did not answer.