I have ten trillion licking dog gold

Chapter 568

"Brother Chen, are you looking for me?"

Godsend Capital.

As the CFO, Bai Zheli pushed the door open.

"Xiaobai, sit down."

Jiang Chen, who was sitting in the boss chair and meditating, raised his hand with a smile.

When he was in Dongda University, apart from being widely known as "dog licking", Jiang Chen actually had another hidden label.

That is Xueba.

But only he himself knows that when it comes to knowledge, he pales in comparison to the youngest in the dormitory.

It's just that Bai Zheli has a shortcoming, that is, he is relatively shy, introverted, and not good at dealing with people. Such a personality is undoubtedly suitable for financial work, and it is appropriate to put him in the position of CFO.

The most important thing for a company seems to be the administrator, but the person who manages the money is also very important.

Bai Zheli did not disappoint Jiang Chen's expectations. Even though he was still young, he adapted quickly after taking office and handled the most complicated economic work in an orderly manner.

"Brother Chen, what's the matter?"

Everyone grows gradually on their own life trajectory.

Since the establishment and operation of Tianci Capital, Bai Zheli, who used to blush occasionally when speaking, has matured a lot with the naked eye. The black-rimmed glasses in the past have become half-rimmed glasses with gold wire. In Luo Peng's words, he is a bit more manly.

"Tired? Do you need a vacation?"

"Not tired."

"Is it really not tired or is it fake? It's okay, just rest when you're tired. The company is on the right track now, so you don't have to work as hard as before."

"I'm not tired, Brother Chen, you are still worried that I will fail to meet you. If you want to say tired, Brother Luo should be more tired than me. I basically stay in the company, but he often travels everywhere. show."

Bai Zheli actually knew how to joke.

Jiang Chen smiled.

"Luo Pengcai complained to me, saying that you are not close to him. If he heard what you said, he should be ashamed to death."

Bai Zheli smiled.

Jiang Chen restrained his smile, "Ask you something."

Bai Zheli nodded, and said seriously, "Brother Chen, tell me."

"Luo Peng said that you are in charge of the Anxindai project?"

"Yes. Brother Chen, what's the problem?"

Bai Zheli's complexion changed slightly, and he asked cautiously.

Since the establishment of the company, Brother Chen has acted as a veritable hands-off shopkeeper, basically never asking about the company's operations, what happened today?
Do you have any comments on this project?
"Don't be nervous, I just want to understand."

Jiang Chen raised his smile again, folded his hands together, and put them on the table, "You also know, I used to take out student loans, and everyone has difficulties when you vote for this project, I understand that it's because of Good intentions. I have also read the proposal, the fixed interest rate..."

"Brother Chen, do you think the interest rate is too low?"

Bai Zheli couldn't help but said.

indeed.

What is the most important thing in doing business.

interest.

And it is basically impossible for him to invest in this peace of mind loan to get too rich returns.

"No, I'm not talking about interest rates."

Jiang Chen could see what Bai Zheli was thinking at a glance, and said gently: "I think the annual interest rate of seven points is very suitable. We are not a commercial loan, and the users we are facing are students and the grassroots. Moreover, the purpose of the loan industry is to It should be urgent to save people, not to take advantage of the situation.”

"Brother Chen, what you think is the same as what I think."

Bai Zheli said quickly, his heart was very moved, and at the same time, he also felt grateful.

Although it is said that being rich is not benevolent, that there is no profiteering and no business, but in fact, many people were not so bad at the beginning, but gradually only cared about their own interests on the way to the top, and thus gradually lost their original intentions.

Fortunately, Brother Chen is still the Brother Chen he knew.

"How many cities has Anxindai been launched in?"

Jiang Chen asked.

"Probably around forty."

"Are they all third- and fourth-tier cities?"

"Well, almost."

"What about users? How many people are currently registered?"

"Three million people."

Bai Zheli took it from his mouth and obviously knew all the data by heart.

There are 60 people, and each person borrows [-], which is [-] million.

of course.

Registered users and actual borrowers are two different things.

Without waiting for Jiang Chen to ask, Bai Zheli took the initiative to introduce: "Brother Chen, although there are not many registered users, the conversion rate is very high. At present, 80% of the users have borrowed money on the platform. Because our loan amount and interest are low. High, so there are no bad debts for the time being.”

60 million people.

80.00%.

That is to say, there are more than 40 actual borrowers. According to this figure, even with a conservative estimate, external loans will definitely exceed [-] million.

"How many companies are there in total?"

Jiang Chen asked.

"Four families."

Bai Zheli adjusted his glasses, "Brother Chen, now the country has begun to strengthen the control over online lending platforms, and the available funds on our books are limited. Therefore, the biggest employers are local banks."

Jiang Chen was not at all surprised when he heard this.

After all, Tianci invested in this project and only spent 500 million.

"What if you bypass the bank and do it alone?"

Jiang Chen asked calmly.

Bai Zheli was slightly startled, "But Brother Chen, we don't have that much money on our books."

That's what investment companies do.

In the early stage, a lot of money is spent, and after a certain period of time, the feedback can be seen.

"Besides, the benefits of this project are meager. If a large cost is invested, I'm afraid it will be a bit..."

Even though he really wants to do a career that benefits the society, Bai Zheli understands his identity and position. No matter what, he still has to put the company's interests first.

Jiang Chen smiled, noncommittal, and suddenly changed the subject.

"Xiaobai, I heard from Luo Peng that one of your classmates went to extremes because of online loans?"

Bai Zheli nodded, his expression became a little gloomy.

"Brother Chen, I don't know if you understand or not. The current Internet finance is really too chaotic. There are all kinds of online loan platforms, and some are even naked usury. Not only my classmates, I don't know how many people are deeply familiar with it." Suffer from it."

"So you invested in this project to change the situation?"

Jiang Chen looked at him and asked.

Bai Zheli was silent for a while, "Brother Chen, I don't have such big ambitions, this is a matter for the country."

Jiang Chen laughed.

"We've lived together for so long. I don't know what you think. You have a righteous heart and are very noble. You should be proud of it. There is nothing to hide."

"Brother Chen, don't bury me."

Bai Zheli smiled wryly, but he didn't deny it anymore.

It would be fine if he was just an ordinary person. Now that he has this ability, he really wants to do something for this society.

of course.

He has self-knowledge and has no delusional intentions to do earth-shattering events, but if everyone can contribute their own strength, even if it is very meager, the society will become better and better.

"I'm not burying you, I'm telling the truth."

Jiang Chen smiled warmly, "Actually, I have always felt that you are a gift from God. You are really inferior. You should work in a government unit. That way you should be able to make greater contributions to society."

"Brother Chen, you called me here just to tease me, right?"

Bai Zheli showed helplessness.

"Okay, let's get down to business."

Jiang Chen cleared his throat, and said solemnly, "How much money is left on the company's account?"

"700."

Bai Zheli answered quickly without any pause.

"so little?"

Jiang Chen raised his eyebrows.

In Las Vegas, Li Shurui asked him for 5000 million dollars.

"Brother Chen, go to my office."

Bai Zheli got up.

"What?"

Jiang Chen subconsciously asked.

"Look at the company's accounts."

Bai Zheli was serious.

Jiang Chen smiled, "What are you doing looking at the accounts? It's not necessary. I'm still not at ease with you."

He pressed his hand.

"sit down."

Bai Zheli sat down again.

"Anxindai currently has a lot of users, but with such a small investment, it is doomed to have limited prospects. There are so many loan platforms on the Internet. If you really want to improve the chaos of online loans, it may not be enough."

"Brother Chen, I really don't have that much ambition..."

"Do you want to watch the tragedy like your classmate happen again and again?"

Bai Haoran's tone froze.

"Jieyoudai, I don't know if you have heard of it. This loan software is what you call a usury. Its interest rate has reached an appalling level. Once you borrow money on it, users will fall into the abyss and never recover. I will I met a girl, a famous college student, who ended up having to accompany her for a drink because she borrowed money from her..."

"Why don't you go to the police?"

Bai Zheli couldn't help but said, in fact, he has always been puzzled by this.

Jiang Chen was silent for a while.

"Xiaobai, not everything can be resolved by calling the police, and not everyone is willing to call the police."

Bai Zheli, who had been staying in the company all this time, looked at Jiang Chen and became quiet.

Also.

From leaving school to joining Tianci, he has not experienced too many dangers.

But there's a reason he at least understands.

The world is full of colors, not black and white.

Good is rewarded with good, and evil is rewarded with evil. It is just a beautiful vision.

There are so many illegal online lending platforms emerging one after another, and repeated prohibitions are enough to explain the problem.

"Anxindai covers 70 cities with [-] people, but how many cities are there in the country and how many people are there?"

Bai Zheli continued to remain silent, but looking at Jiang Chen, a guess seemed to pop up in his heart.

"Xiaobai, if you want to develop Anxindai nationwide, how much money do you estimate will be needed?"

Four eyes facing each other.

Even though he had expected it in his heart, Bai Zheli was still shocked by the other party's thoughts.

"Brother Chen, are you saying that you want to expand the scale of Anxin Loan? Brother Chen, the profit of Anxin Loan is very limited, and it is not worthwhile to do so."

Jiang Chen smiled.

"The profit is limited, that's because the user base is limited. Your current actual users are more than 40, of course the profit is not high. But what if you expand the user base? For example, expand to 400 million, 4000 million..."

Bai Zheli's pupils dilated.

"But Brother Chen, it's impossible at all. If you want to promote it nationwide, the meaning will be different. At that time, the bank may not cooperate with us."

"Who said I'm going to work with a bank?"

Jiang Chen's smile remained the same, making it hard to see the depth, "You just need to give me a piece of data to promote Anxin Loan across the country, and the total investment is enough."

Bai Zheli raised his glasses again, and saw that Jiang Chen was not joking.

"...Brother Chen, I can't answer you now, I have to ask them to do actuarial calculations to get an answer."

Jiang Chen smiled and nodded as if nothing had happened, "Go."

Bai Zheli stared at him for a while, then got up, "Brother Chen, then I'll go get busy first."

"Ah."

Bai Zheli left.

Jiang Chen turned the chair and looked at the tall buildings outside the French windows.

He originally planned to cooperate with Genglong to formalize Jieyoudai, but Genglong didn't appreciate it.

So there was only one other way to go.

Since it is impossible to "guide evil to good", the best way is to use the laws of market economy to defeat usury platforms like "Jieyoudai".

Compared with the negligible interest rate of Anxindai, it is obvious how users will choose.

Once Anxindai is promoted across the country, under the pressure of such a low interest rate, there will be a storm in the loan industry, let alone a usury platform like "Jieyoudai", even other loan software will all become branches that lose their soil , to ashes.

This ending is a doomed result and does not require a good business acumen to analyze it. The reason why no one has been implementing it is because no one has the strength and determination.

The core competitiveness of Anxindai is the interest rate lower than the market. To put it bluntly, it is harming others and benefiting oneself. How can a qualified businessman do such a transaction.

And such a huge wealth investment, no matter what else it is used to invest, it is probably better than doing this business.

of course.

The bank originally had this capital.

It seems to have this responsibility too.

Sadly.

Since its inception, banks have served the rich. They always look down upon ordinary people, and they can't see the hardships of the people.

He didn't make Jiang Chen wait any longer. Bai Zheli's team was very efficient. Based on the current development situation of Anxin Loan, Bai Zheli knocked on the door of Jiang Chen's office again in three hours.

"Brother Chen, this is the result of our calculation."

He walked to the table and handed out the result of careful calculation.

Jiang Chen took the report and read it.

"640?"

Jiang Chen didn't seem to be intimidated by this exaggerated number, instead he smiled lightly: "So accurate?"

Bai Zheli stood in front of the table, serious and serious: "This is still a conservative estimate. Once the whole country is used as the market, the personal loan limit will definitely increase from the current level. Brother Chen, where are we going to get so much money? And, really Not worth it."

Jiang Chen was noncommittal, and continued to read, "Don't worry, I don't have enough money, and I won't let you think of a way."

"Brother Chen..."

"Okay, let me take a look again, you go to work."

Bai Zheli hesitated to speak, looked at Jiang Chen who was looking down at the report, but finally didn't say anything.

"Brother Chen, I'm going out first."

"boom."

The office door opens and closes.

After reading the report, Jiang Chen raised his head and let out a light breath.

More than 600 billion.

Not to mention Tianci Capital.

Even if you add CX Entertainment and KE Fashion Group, you can't get it out.

Unless all these industries are sold.

But of course this is impossible.

Jiang Chen squeezed the space between his eyebrows.

This is for the country and the people.

rather than for selfish desires.

and so.

There is no need to have any psychological burden.

(End of this chapter)