In early April, the top leader of the insurance system was investigated, and Shang Zhongyuan became the number one deputy in the insurance system, temporarily presiding over the work of the insurance system.

The license of CEFC Consumer Finance, a subsidiary of the Slope Group, was approved, and Zheng Qingsong continued to serve as the general manager of CEFC Consumer Finance Co., Ltd. Pu Hai. Silver. Supervise. The bureau approved the change of the registered principal of CEFC Consumer Finance from 300 million yuan to 1 billion yuan, and Slope Investment became the largest shareholder.

Liang Hongxia, an individual shareholder of CEFC Microfinance, chose to withdraw, and Zheng Wentong bought 1.5% of the equity of CEFC Microfinance held by Liang Hongxia for 10 million.

Zheng Wentong met Liang Hongxia in the slope investment, after two years of turmoil, Zheng Wentong found that Liang Hongxia's demeanor was tired, and perhaps selling the equity early was also a relief for her.

Liang Hongxia said: "The sale of equity was an idea given to me by Anguo, he has not come out yet, he wants me to go home and take care of my two children to study, there is no need to continue to stay in Puhai." ”

"For those of us ordinary people with no education and no background, it is our fate to return to the roots, and when An Guo comes out of the detention center, I am ready to remarry him, after all, children can't live without their father." Liang Hongxia said.

She suffered her husband's cheating and betrayal, and also let Zheng Anguo leave the house. If Liang Hongxia remarries Zheng Anguo now, this 10 million is also Liang Hongxia's premarital property.

Regarding Liang Hongxia's choice, Zheng Wentong was not surprised and expressed understanding. "Anyway, after all, I took Anguo out to do things, and no one wants to see the current situation. If you are someone else who wants to leave the country, I will support it. ”

"But you have to stay in Anguo for the two children, the second master can help bring it, you can take all the money away, and I will find someone to help take care of these two children." Zheng Wentong said.

Liang Hongxia shook her head when she heard Zheng Wentong say, "After all, An Guo and I have been husband and wife for so many years, love has long become family affection, and I don't want to find another one." Because I don't know if he likes my people or my money. ”

"At my age, it's impossible to have another child. At the moment, my hope is nothing more than these two children, and I have to educate them well for Anguo and not let them go down the wrong path. ”

"If An Guo didn't report Yu Qiao and chose to turn himself in, I'm afraid you won't forgive him. The last time I went to the detention center to see him, he looked good and had been actively reforming. He also persuaded me to remarry, and I knew that he was sincere, and I saw that he was a lot older, and suddenly I didn't hate him so much. Liang Hongxia said.

"I came together with An Guo, and it was Sister Yuling who was the matchmaker, and An Guo didn't read much. He said that your mother introduced him to a good daughter-in-law, and as long as Uncle Jianjian has something to do in the future, as long as he greets him, he is duty-bound. ”

"When he was young, he worked with Uncle Xingjian, and the year before last, he worked with you. He bought a house, bought a car, and prepared to take his children to Puhai to study. ”

"I was really happy at that time, and we finally got out of the mix. As a result, after the incident in his east window, my heart was steady. Because according to his character, he will suffer such a thing sooner or later, and when he comes out, he will be able to live in peace. Puhai, an international metropolis, is not suitable for ordinary people like us. "Liang Hongxia.

Zheng Wentong also studied in Zhengjiacun Primary School when he was a child, Liang Hongxia was his teacher at that time, Liang Hongxia taught the first to third grades alone, because Zheng Wentong and Zheng Anguo are relatives, so Liang Hongxia also has a special preference for him, Liang Hongxia wants to call Zheng Wentong uncle according to generation. Zheng Wentong called Liang Hongxia Teacher Liang, and Liang Hongxia jokingly called Zheng Wentong Uncle Wentong when she got out of class.

"After you go back, use this money to do some small business, if there is someone who can't open your eyes, let my dad come forward to help you deal with it."

After Zheng Wentong finished admonishing him, he hesitated for a moment and asked Liang Hongxia, "An Guo didn't go to Puhai, and these things won't happen later, do you blame me for bringing An Guo out?" ”

Liang Hongxia knew that this was also Zheng Wentong's heart knot, "It will definitely be strange at first, but this is Anguo's own problem, and it has nothing to do with you." His appearance and personality are originally very popular with girls, and after arriving in Puhai, he has a few dollars in his pocket, so he naturally can't avoid attracting bees and butterflies. ”

"Not only do I not hate Anguo now, I don't even hate Yu Qiao anymore, because without Yu Qiao, there will also be Wang Qiao and Li Qiao. Only after he has suffered a loss can he live honestly, this is the character that determines fate. Liang Hongxia concluded.

Does character determine fate? Zheng Wentong was thoughtful. If Zheng Yaqing had gone to Transcription Business as a treasurer, she would definitely keep a distance from Zheng Anguo, and if Yu Qiao had gone to the Slope Public Welfare Foundation, she might still fall on another scumbag.

Zheng Wentong personally sent Liang Hongxia out of the slope to invest, and Liang Hongxia asked Zheng Wentong, "I heard that the company is going to buy a house near Lujiazui?" ”

Zheng Wentong said: "There are considerations in this regard, but the price has not yet been negotiated. ”

Liang Hongxia said: "If the company succeeds in buying a house, Mr. Zheng, you will be able to brag about it at the beginning, and I guess Manager Jiang Nan will also choose to resign, right?" ”

Zheng Wentong did not deny it, Zheng Wentong knew that Liang Hongxia's guess was right, and Jiang Nan's investment in the slope had been marginalized.

Jiang Nan's career development in Slope Investment has entered a bottleneck, and Jiang Nan, who has lost Zheng Wentong's trust, cannot enter the equity incentive list of Slope Investment.

The reason why Jiang Nan stayed on the slope to invest, and the reason why Zheng Wentong did not fry Jiang Nan is nothing more than a thinking inertia.

After Zheng Wentong won the lottery and returned to China, he said in front of Jiang Nan that he would buy a building in Lujiazui in the next five years, and Jiang Nan thought that Zheng Wentong was bragging.

The employees of Slope Investment began to ridicule when the boss could buy a house in Lujiazui, and after Slope Investment really bought a house in Pujiang District, opposite Lujiazui, Jiang Nan did not have the face to continue to stay in Slope Investment.

On April 12, users of Weitoutiao, Weiyin and Weiread found that these three apps had quietly launched micro-loan business, providing users with cash loans between 10,000 and 200,000 yuan.

The daily interest rate ranges from 2/10,000 to 6/10,000, and the repayment methods include equal principal and interest installment repayment and interest first and principal later, and the local loan service is provided by CEFC Consumer Finance Co., Ltd.

If the borrowing method is calculated according to the minimum daily interest rate of 2/10,000, the annual interest rate is 7.2%, the monthly repayment amount is 8661.9 yuan, and the interest on borrowing 100,000 yuan is 3942.8 yuan, and if the maximum daily interest rate is calculated at 6/10,000, the equal principal and interest is calculated, and the one-year interest of borrowing 100,000 yuan is 12,082.4 yuan.

The micro-loan business is the same as WeChat's micro-loan, which is also an invitation system, and it is not available for customers to apply. If the customer already has a quota, they only need to supplement their personal information, and after the face recognition is passed, the online loan can be realized within five minutes.

Zheng Wentong set a loan target of 8 billion yuan for CEFC Consumer Finance in the coming year, and strictly controlled the scale of lending. Like Pinduoduo's Xiaopin business, CEFC Consumer Finance also solves the problem of funding sources by issuing micro-loan ABS.

Zheng Wentong called Zheng Qingsong and talked to him about the design of CEFC's consumer finance risk control system.

"If a customer has both equal principal and interest and principal repayment methods, the customer will only use the repayment method of interest first and principal at a time, and when the loan is about to expire, the customer will repay the loan in one lump sum."

"This shows that the customer's repayment funds are not his own, but borrowed funds from other channels to repay first, and then lend them out to repay others at that time, so this kind of customer should consider canceling the repayment method of interest first and principal later, and reduce the loan amount to reduce the risk."

"If another customer also has two repayment methods, and he only uses the equal principal and interest repayment method each time, it means that he cares more about interest, and if the customer assessment conditions meet the standard, he must increase the amount and reduce the daily interest rate for the customer, so that the customer's loan from other platforms can be transferred to our platform." Zheng Wentong said.

In addition to this, if the customer browses the content of micro headlines, micro audio or micro reading, if there is any telecom fraud or network. Bet. The content of the blog must be determined to be high-risk in a timely manner, and not only use the electronic credit report to determine whether the customer is high-risk. ”

"In case the customer borrows the micro-loan and is deceived or used for the Internet. Bet. Bo, this kind of borrowing has a particularly high risk of overdue, and it is difficult to recover losses. Zheng Wentong confessed.

Zheng Wentong has already begun to pass the problem of user groups in the launch of Weiyin Express, and the proportion of users who use Weiyin APP to open micro-loans is obviously much higher than that of users of Weiyin Express.

Imagine a customer who is willing to spend a long time browsing videos in exchange for gold coins and then withdraw to a bank card, this kind of customer who cares about the income of a few yuan a day is obviously not the target customer group of micro-loans.

However, the timing of the launch of the micro-loan was very cleverly chosen, and a certain actress broke out a scandal abroad.

Wang Luodan, who is of the same type as her, posted a message in the circle of friends: "Spring is coming".

Zheng Wentong doesn't care about the grievances between actresses in the entertainment industry, and when the same type of actress terminates the contract, Wang Luodan is naturally the number one beneficiary. However, Zheng Wentong felt that Lao Han offended a lot of people this time, which made the capital behind a certain actress very dissatisfied, and Lao Han could only withdraw from the circle this time to keep safe.....