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"There is also the issue of the amount of borrowing, and it is up to each borrower to decide how much they can borrow for the first time. If they can repay the loan within the specified time, then they can increase the borrowing amount appropriately. On the other hand, a person who has not repaid the loan must not lend him money a second time. If he pays it off after the deadline, he should also reduce the maximum amount he can borrow. ”

"The most important thing in this business is to accumulate a lot, and the interest is certainly not comparable to loan sharking, but as long as more and more people come to you to borrow money according to the rules, the profit will definitely increase."

The New Year's paintings crackled a lot of words for Huang Zhenjie, these are the key points in the loan industry system that has developed decades later, and Huang Zhenjie was of course very shocked after listening to it.

"How's that, do you understand?"

The New Year's painting looked at Huang Zhenjie, and Huang Zhenjie looked like he didn't understand.

"Can you repeat it, there are some things I don't understand too much."

The New Year's painting told him again, and this time Huang Zhenjie heard it clearly, and the surprise on his face was overflowing.

"Do you think our family can make a loan shark a regular lending company?"

"Of course, and a loan shark like your dad will always be able to hang out in one town, and there is no prospect of development at all. If you can realize my vision, you may even be able to do business in the whole city, the whole province, and even the whole country in the future. ”

"However, there are two particularly critical points to get this done, and if these two key points don't meet the requirements, then all is empty talk."

Huang Zhenjie was excited, and when he heard the New Year's painting say this, it seemed that he had been poured a basin of cold water.

"What are these two key points?"

The New Year's painting stretched out its index finger: "First, there must be enough funds. If you can't borrow it, you will have no money, and before the money you lent out is recovered, you will go bankrupt, how can you go on? ”

Huang Zhenjie tilted his head and thought for a while, and nodded in agreement: "What about the second?" ”

"The second and most important thing is to legalize the loan, and this business must be approved and even supported by the relevant state departments! Otherwise, no matter how small the interest you charge, it is still illegal. ”

Huang Zhenjie said: "Yes, legal and reasonable is the first priority, thank you, I will go to tell my dad about this, if you can really succeed, I believe he will be grateful to you." ”

Seeing Huang Zhenjie open the car door to get out of the car, the New Year's painting stopped him: "Wait! ”

"Is there anything else you'd like to add?"

"Of course! You don't think a thank you will send me away, do you? ”

Huang Zhenjie was amused by the expression of the New Year's painting: "Then how do you want me to thank you?" ”

"If you really convince your dad, I'm going to take a stake when the time comes!"

"You're going to do it with us?"

Huang Zhenjie's request made Huang Zhenjie unbelievable.

"Of course, according to my estimates, this business will definitely be very profitable in the future, and of course I can't miss such a good opportunity to make a lot of money."

I don't know why the confident appearance of the New Year's painting also infected Huang Zhenjie: "You are so confident? ”

"Of course, if your dad really wants to innovate, having me join will not only make the new system more perfect, but also have a more long-term future."

Huang Zhenjie was infected by the confidence exuded by the New Year's paintings, "Well, I believe it." When I convince my dad, I will go to Sanxin Village to find you as soon as possible. ”