I met my whole family through Baidu Tieba.

After saying, "Our Yanyu Tea House is always open for you," Shen Kang led Song Zhengping away from the entrance of the Wonka Milk Tea Shop.

Song Zhengping then asked, "You're just going to poach someone from your rival's milk tea shop right there in front of their store, and have them come work for your shop?"

"Why not give it a try? It doesn't cost anything to try anyway..."

Shen Kang talked as he walked.

As Song Zhengping listened and followed along, he gained a deeper understanding of the boy named Shen Kang in front of him.

Then the two of them walked to a coffee shop called "Sanwei Bookstore".

This shop is right next to Room 302, the same coffee shop that Guo Pinyan owns. The overall decoration is in the style that Guo Pinyan wanted, with distressed wood textures, ubiquitous vines (made of plastic), stone pillars, and of course, a large glass window facing the street.

Because it's located next to the home, laundry room, and 302 study room, it benefits from the high foot traffic. The menu is also placed inside the 302 study room, so Guo Pinyan's coffee shop has always had a pretty good business.

However, it was morning, and the coffee shop had just opened, so there weren't many people inside. There was only one guy, who had a book in his hand, sat in a corner, ordered a coffee and a plate of bread, and was eating and drinking while reading.

Guo Pinyan, the boss, didn't attend the opening ceremony of the sports meet today; he's currently squatting at the door smoking.

Upon seeing Shen Kang approach, Guo Pinyan greeted him, "You're back? Were you going to the opening ceremony of the sports meet?"

"Um."

"There's nothing worth participating in that thing, it's so boring..." Guo Pinyan was also bored out of his mind, so he started telling Shen Kang about his boring experience of participating in the opening ceremony of the sports meet in the past, with an attitude of "you are still young".

Shen Kang was also helpless. "I didn't want to go in the first place, but I was assigned to sit on the dais, which is a bit conspicuous. It doesn't seem like I can refuse to go."

"..."

Guo Pinyan remained silent, then suddenly slapped himself.

Why do you have to strike up a conversation with Lao Shen all the time?

It really doesn't mean anything.

But then Guo Pinyan asked, "Why are you sitting on the stage?"

"I don't know either, I guess it's because I donated over ten thousand yuan to the sports meet as sponsorship."

After a brief chat, Shen Kang suggested that Guo Pinyan prepare a private room for them.

In Guo Pinyan's coffee shop, all the seats are actually in the "main hall". The so-called private rooms are just Guo Pinyan's own private rooms, which are not open to the public.

According to Guo Pinyan, "How could I, a business owner, not even have a private room of my own? I'm not making money from this; I just want the style!"

However, given the relationship between Shen Kang and Guo Pinyan, they can certainly use this private room if they want.

"Okay, you can go straight in."

Guo Pinyan, having calmed down a bit, looked at Song Zhengping next to Shen Kang and, somewhat intrigued, asked, "Old Shen, aren't you going to introduce him? Who is this?"

Shen Kang had just met Song Zhengping and didn't know what his style was like, so he glanced at Song Zhengping, intending to see his reaction before deciding whether to introduce them or not.

Song Zhengping was quite satisfied with Shen Kang's reaction and secretly added a little more points to Shen Kang's score in his mind.

However, Song Zhengping had no worries about getting to know some classmates at Yangcheng University of Science and Technology, so he took the initiative to introduce himself: "Song Zhengping, branch manager of Yangcheng Bank."

"..."

Guo Pinyan felt a little numb and wanted to slap himself—why couldn't he control his mouth?

However, as a branch manager of a bank, Guo Pinyan had to be mindful of her image, so she held back.

After Shen Kang and the bank branch manager went inside, Guo Pinyan took out another cigarette, took a deep drag, and felt an intense pain in his testicles.

Old Shen has even started discussing business with the branch manager of a bank...

However, after feeling annoyed for a while, Guo Pinyan looked towards his private room in the coffee shop. It was quite interesting. A branch manager of Yangcheng Bank came to the school to talk to Shen Kang about something.

Guo Pinyan's private room maintains the same style as the outside, with stone, wood grain, and entwined plants.

There was only one table in the room.

Shen Kang and Song Zhengping had already ordered coffee when they passed the bar. Now, after entering the room, the two sat down facing each other and continued their conversation from before.

After the waiter knocked on the door and brought in the coffee they had ordered, Song Zhengping had basically learned everything he wanted to know and had a basic understanding of the situation.

Then he began to ponder silently.

Shen Kang didn't urge him; he simply picked up the cup of black coffee in front of him and drank it silently.

A while later, after Shen Kang put down his coffee, Song Zhengping finally spoke up: "I've heard some news that Anjia Housekeeping seems to be working on loan applications lately?"

Shen Kang's heart skipped a beat, and he thought, "That's it." So he nodded and said, "Yes, that's right."

"Could you elaborate?" Song Zhengping asked, looking very interested.

Shen Kang had chatted with him for a long time, all for this moment, so he naturally started to speak: "Mainly because conditions are very good in all aspects right now, our Anjia Housekeeping plans to expand outwards..."

Shen Kang explained Anjia Household Services' current expansion prospects, and finally brought up the issue of banks, saying, "...Although the banks we've contacted are quite optimistic about our business, our asset-light model is our Achilles' heel. Even if some banks are willing to lend, the amount they can lend is mainly based on Anjia's meager fixed assets, which is relatively small and cannot meet our business needs."

Song Zhengping nodded. "Currently, everyone is indeed doing more of this kind of lending based on collateral of actual assets."

As he spoke, his fingers tapped unconsciously on the table in front of him.

Then, changing the subject, "However, financial models are constantly innovating. For example, I think we can use some new financial models to do this with your Anjia Home Service case, such as data asset collateral."

Large banks like China Construction Bank prioritize stability.

Regional banks like Yangcheng Bank cannot compete with larger banks in many areas of business, and therefore are more adventurous.

At this point, Song Zhengping looked up at Shen Kang and said, "You just mentioned a lot of numbers, including the number of clients of your Anjia Home Services, repeat purchase rate, etc... These numbers sound quite interesting to me. May I take a look?"

Shen Kang smiled slightly, "Of course."

The student-run print shop on Xiaodong Street has a copier, a printer, and a fax machine.

Shen Kang asked Song Zhengping to wait a moment, then immediately went to the store, made a phone call, and asked Kang Zhengyang to fax over some relevant information.

With these data in hand, Shen Kang returned to the coffee shop.

Guo Pinyan was still squatting at the door when she saw Shen Kang go out and come back with a lot of papers and documents. Guo Pinyan's true nature kicked in, and she wanted to ask him something.

Fortunately, not long after the two incidents, he immediately remembered them and then snapped out of his daze. He quickly covered his mouth, staring blankly at Shen Kang with his dry eyes, but remained silent.

"?"

Shen Kang noticed that Guo Pinyan was behaving strangely and was quite puzzled.

However, Lao Guo often acted erratically, and he was used to it, so he ignored him and went straight to the private room.

After receiving the documents, Song Zhengping began to read them.

Every now and then, he would ask Shen Kang some questions, and Shen Kang would answer them one by one.

The more Song Zhengping looked and listened, the more surprised he became.

Previously, he had only seen Anjia Home Service employees running around everywhere, which gave him a vague impression that "Anjia Home Service is rising rapidly".

But now, holding this internal document, Song Zhengping realized just how fast this local housekeeping company in Yangcheng was operating.

Founded in July, Anjia Home Services has served over 7 families in Yangcheng to date.

Moreover, 67% of these customers had made repeat purchases.

Throughout October, Anjia Household Services received over 26,000 orders in Yangcheng! These included routine cleaning services as well as new services recently launched by Anjia Household Services. The total revenue for October reached over 3.86 million yuan!

Of course, this internal document also shows that although Anjia Household Services has a high turnover, its costs are also very high, resulting in a relatively low net profit margin, but it is still acceptable.

Moreover, Anjia Housekeeping has some other advantages.

"...You mean, Anjia Household Services will be exempt from taxes for the next three years?" Song Zhengping asked, looking at Shen Kang sitting in front of him.

Shen Kang nodded, "Yes."

"Are you sure?"

"Yes, it's confirmed with the government."

After hearing this, Song Zhengping thought to himself, "Anjia Housekeeping seems to have something to do with the government."

Then he learned even more.

"Our Anjia Home Service has also been featured in the newspapers. Of course, it was actually a political task, mainly to cooperate with the official policy of promoting a new direction in the home service industry. And coincidentally, our Anjia Home Service just happened to fit the new direction that the authorities wanted to promote in the home service industry, so it just so happened that we were featured in the newspapers..."

After hearing Shen Kang say these things, Song Zhengping nodded to himself, thinking that there was more to the story about the An family.

Did this coincidentally align with the official new policy direction for the domestic service sector?

You're kidding me!

As someone working in the banking system, Song Zhengping knew all too well that there were no "coincidences" or steps that perfectly matched the above. It was all just a matter of receiving the information first and making arrangements in advance.

Clearly, this is what Shen Kang's Anjia Housekeeping service is all about.

In Song Zhengping's view, this company is becoming increasingly complex...

Song Zhengping thought silently, and he no longer had any doubts about lending money to Anjia Household Services.

He also had a plan for how to conduct this loan, and he directly discussed it with Shen Kang: "I think we can use a financial model based primarily on data asset collateral..."