this man is not calm

Chapter 154

As far as the current private lending is concerned, the norms are not so clear, and practitioners are mixed with good and bad people, hiding dirt and evil, and there are many disputes.

You don’t even know what kind of business they are actually engaged in for those businesses with signs such as pawn shops and financial companies, just like the tobacco and alcohol supermarkets near enterprises and institutions that collect gifts, laymen don’t know how these small shops are Those who survived obviously had no business all day long, but the boss wore gold and silver, entered and exited luxury cars, and was quite stylish.

To be rectified and standardized is Liao Wei's answer to Jin Shang.

Nowadays, real private lending activities are a mess, let alone online small loan business.

Only banks and a very small number of licensed institutions have clear qualifications to engage in this type of business.

They can do it, but they basically don't do it because it's not cost-effective.

The so-called finance is actually a business that revolves around money services. The head effect is very obvious. It is enough to serve a very small number of large customers. Before the popularization of electronic and information technology, the management of personal small loans was very cumbersome and costly.

This is the same as Jinshang wants to cooperate with a fund company to engage in convenient payment. If there is no online channel, it will not be able to promote it at all.

Even, can the fund be advertised online, or even directly open the channels for subscription and redemption?

Anyway, the laws and regulations do not clearly say yes, nor do they say no.

"Because of the requirements of business innovation, we can open an opening for your company. In essence, the money is still circulating in the bank, fund and your company's custody account, and will not suddenly flow to inexplicable places. Even if there are any problems, we will deal with the aftermath. convenient."

Therefore, this is the basis for Liao Wei and the bank behind him to join in the cooperation. If something goes wrong, it can be easily recovered, but if it happens, it will be a big piece of cake.

"Let's do this for the time being. It's not good to take too big a step."

Jin Shang also understands Liao Wei's concerns, after talking so much, the other party has already answered Jin Shang's questions politely.

First push down the third-party payment as much as possible. Banking business such as online micro-credit is really not something that can be done in a short while.

"Finally, I have an invitation for cooperation without any suspicion of being side-fisted. I don't know if your bank is interested in issuing an online shopping co-branded credit card with Jinxi Culture?"

"How to cooperate?"

"Credit card, does it have a small amount of convenient payment function? We can't do it ourselves, but your bank can. Moreover, I see that there are advertisements everywhere recently to promote related businesses..."

"Indeed, it looks very unsatisfactory. Chinese people still have concerns about this kind of advanced consumption. They always feel that it is a shameful thing to owe money."

On this point, the two easily reached a consensus.

Although there is not much hope and no small compensation, Jinxi Culture has obtained payment convenience, Liao Wei has completed the credit card promotion task, and the performance evaluation has increased, which is a win-win situation.

In today's meeting, the key issues did not get a positive response, but at least one thing was finalized, which was more or less rewarding.

After finishing their official business, the two talked about some light topics. Seeing that it was getting late, they got up and said goodbye.

Watching Liao Wei leave, Jin Shang talked to Yin Muye about the development progress of the instant messaging software and the technical difficulties of the download tool before returning to the office.

After sitting down, I checked my phone and found several unread text messages.

"Auntie's family is here! 』

After looking at it, there is still a while before the off-duty time, but there is no need to wait, anyway, the important things are already busy.

After tidying up, Jin Shang strolled to Li Xuan's office and knocked on the door.

"Eh? Are you leaving..."

"Well! Since you don't want to go, I won't force you..."

It's okay to bring your girlfriend to meet your parents. It's really unnecessary to introduce them to the seven aunts and eight aunts. When it's time to talk about marriage, it's not too late to care.

Li Xuan herself doesn't like to be too involved in Jin Shang's family affairs.A girlfriend, after all, is just a girlfriend, after all, it's quite embarrassing to always bring this relative who knows that relative.

"I will keep the car, and you will drive home by yourself later, pay attention to safety on the road."

"Then... what do you do? It's so hot outside, how painful it is to take a taxi!"

"Old Bian came to pick me up by car, it's almost here! Dinner... Get something for yourself, I have something ready in the refrigerator, just heat it up, don't be lazy. I will try to come back as early as possible in the evening, and bring you a supper..."

"Well! Go, go, I will take care of myself!"

"See you later!"
-
Half an hour later, Jin Shang saw his aunt Jin Lanyun at home, whom he had not seen for many years.

The second aunt, who is about 43 years old, looks quite young, but she is a little fatter, her face is much rounder than before, and a double chin is faintly visible.

The aunt who seems to be quite "blessed" in appearance always seems to have a smile on her face, which is similar to Zhang Wei.

In addition to aunt Jin Lanyun, there is also the eldest son Zhang Yunying, who is in his early 22s this year, looks a little thin, wears glasses, graduated from college last year, and manages the farm and ranch business at home with his father.

The third daughter, Zhang Yunluan, is less than 16 years old and is about to enter the first year of high school.

The youngest son, Zhang Jiu, is nine years old and is still in elementary school. He was forced to do homework when he first arrived here.

The names of the children in this family are also interesting. They are all birds, or a room full of raptors, with divine birds such as phoenixes mixed in.

Probably, it is the worship of god birds in the same line on the grassland; in reality, many types of hawks and falcons are also an important force in controlling the flooding of rats and hares, and there are even a few carrion raptors, which play a role in preventing epidemics.

Therefore, there is no need for any animal and environmental protection rules and regulations, and the local people will consciously protect these natural guardians.Correspondingly, many families also like to name their children a bird of prey.

The eldest son was a little less talkative and polite. The three daughters were very delicate, but they couldn't hide their expressions of ready to move. Probably they were taught by their mother not to be rude when going out.

The youngest son has a thick head and a thick head. It is probably the first time he has come to the capital. He is a little too excited. He will be forced to do his homework, and he looks a little unhappy.

Zhang Wei, who arrived two days earlier, chirped and introduced what he had seen and heard during this period to his family.

That's right, the last time I came here, many years have passed since now, and the capital city has changed a lot. The mansion of the Jin family and his son used to be just a not densely populated suburb, but now it is quite lively like a big city.

Especially the largest transportation hub in the Gyeonggi area, after the opening of the Gyeongseo Railway Station, the vicinity has become the first stop for foreigners to come to the capital. It is really a bustling scene.

To be honest, Jin Shang thinks this family is quite interesting, everyone has different dispositions, hobbies, social interactions, language styles, ways of doing things, etc., the only thing is that the unique frankness is common.

Of course, this doesn't mean that they can't understand the atmosphere of getting along with others. They have a relatively accurate grasp of subtle emotions, but they lack some perfunctory and polite manners.

At this time, Jin Shi and Lao Bian were cooking and preparing dinner, and her mother, Mei Xinghong, was on the phone. It seemed that the studio had something to discuss.

Jin Shang, who came back not long ago, was chatting with his aunt's family.

"Uncle is very busy? I didn't see you this time..."

"It's a business matter! The price of beef and mutton has risen a bit in the past two months, so I'm busy contacting the wholesaler and selling it quickly."

"In the past few years, the price of meat has really not improved, and it has been hovering at a low level."

"No!"

Mentioning this, Jin Lanyun couldn't help complaining,
"Especially the beef, it's all high-quality goods, but it can't be sold at a price! It is said that it has been impacted by the cheap beef imported from abroad. Many pastures here have suffered a lot from raising beef cattle. They have changed to dairy cows, milked cows, and processed milk powder. Yes. Our family has also reduced the share of beef cattle and opened a moderately large milk factory. As a result, I don’t know if it will work..."

"The absolute number of newborns is increasing steadily, and the infant milk powder market should have a bright future. Don't worry, my aunt..."

The difficulties are only temporary, and Jinshang is still sure of this, especially since the population is increasing year by year, the demand for basic consumption is increasing, especially the economic improvement is becoming more and more obvious, and consumption upgrading will also be put on the agenda.

Jin Shang has not yet learned about the specific situation of overseas beef imports, so it is difficult to comment on it. According to the experience of his previous life, there are very few major sources of meat resources in the world that can do as well as South America’s Pampas Plateau Patagonia. It is unbelievable that the cost of transporting products from the region across the Pacific Ocean is lower than that in China.

"I hope so. Your uncle has also been on fire for the past two years. He always runs to the local office to see if there is any improvement. The result..."

A sigh, showing his mood, regardless of the family's great fortune, it would be quite painful if he really suffered a loss.

In recent years, excessive grazing has been prohibited, and desertification control has become increasingly stringent. The area around Yuerhai is considered good. Most of the Mobei area is a plateau desert, and the ecology is extremely fragile, so the regulation there is even stricter.

It's hard to say more about the specific situation. Relatively speaking, the second aunt's family is not bad. The income is small, but the expenses have increased greatly. It seems a bit embarrassing in the past few years.

"By the way, Ashan, where is your grandmother now?"

"The last time I wrote, it said that I was traveling on the snowy plateau. I don't know where I am now. I don't think I will be able to come back in a while."

That is a fairy character, and Jin Shang also has to admire his ability, he will really live until he is old, and he will continue to toss until he is old.

"Well, it's a rare time for the family to get together. Fortunately, it's summer vacation and I can bring my children to visit the capital. Also, it is said that your eldest aunt is temporarily living in the area of ​​Yunnan and Guizhou..."

"Geological exploration work, it is inevitable to run around."

Jin Shang responded casually, saying that it was geological work, and it was not easy to ask more about the specific situation, since it was quite complicated anyway.

"Don't talk about it, when they are free, they will definitely come back."

Jin Lanyun said with a big grin,

"Ah Shang, who was so young, became so big in a blink of an eye. I heard that you made a girlfriend, why didn't you bring it back for me to meet?"

"It's a little embarrassing, we meet... There is a chance."

"Ok!"

Jin Lanyun didn't bother with these things either, but took advantage of the situation and said,

"I heard that you have graduated with a master's degree now and started your own company to make a lot of money. If only a few of my family are useless, it would be half as good as yours."

"Overrated!"

From what I can see now, let’s not mention how much the children of the second aunt’s family are capable of. At least they are good people. Untimely move.

After chatting for a while, the table was full of food, and Jinshi invited everyone to sit down. It was a rare gathering for a family dinner, and the atmosphere was very harmonious.

At the dinner table, Jin Shang also found out that his aunt Jin Lanyun and his mother Mei Xinghong were not very close, and the topic of the two was limited to child rearing, what to eat and drink at this time.

More, I actually don’t know how to start.

It's been too long since we haven't seen each other, it's strange!

After dinner, Jin Lanyun's family accompanied Mei Xinghong to go for a walk and shopping, Lao Bian was busy cleaning the house and preparing the bedroom, and Jin Shang and Jin Shi, the father and son, cleaned up the dishes and cleaned the kitchen.

"I went to see Liao Wei in the afternoon. How did the conversation go? His parents have a little friendship with our family. As long as it's not too difficult, they should help. Of course, favors are mutual, use a little thinner, and each other needs each other. , the relationship will be stronger and more durable.”

"I understand! I told him about possible future cooperation at the company level. Although I am trying to bypass the third-party payment, sooner or later I still have to do it myself. It is better to ask for others than to ask for yourself. Since external requests cannot achieve the goal, I'm going to close the door and play tokens myself..."

In essence, it is still used as a valuable commodity that can be used and circulated within Jinxi Culture, which is a bit different from prepayment.

To put it simply, member prepayment is cash paid in advance. Although the ownership has already belonged to the company, if the customer asks for a refund, they can still get it back through channels.

Tokens are different. It’s like going to a game hall to buy copper plates for coin-operating. Generally, they are non-refundable. You can’t use them up this time, and you can continue to play next time. You can even use them and take them back as small hobbies.

Refunding tokens is essentially initiating a return, not a request for a refund of the advance payment.The former is to apply for after-sales, and the latter is to cancel the transaction, which is not the same thing.

"Can you do it?"

"There is still a little bit of certainty! Buy one hundred Jinxi coins for one yuan, you can buy value-added membership services of instant messaging software, you can read paid novels online, you can buy movie tickets, concert tickets, coupons, ball tickets, books, clothes, Signed album jerseys, etc. They have the same purchase effect as real money advances, and even, with Jinxi tokens, there are more discounts, such as monthly subscription services, limited-time discounts and the like..."

Burning money to buy users, in the final analysis, has one purpose, tying users to their own cars and making them unable to get off. If you have money, you can buy a money market, but if you don’t have money, you can buy a personal market.

Those who are cash-strapped "kill time" play with them, and those who have ample money want to have fun.

It would be even better if we could sell more goods by the way.

(End of this chapter)