I met my whole family through Baidu Tieba.

After listening to Song Zhengping's words, Shen Kang understood what Song Zhengping meant by this mortgage model.

In summary, it's a combination of mortgages:

First, data asset collateral involves pledging Anjia Home Service's customer data as "data assets" to prove customer loyalty and business stability.

Banks assess the value of data based on factors such as customer quality, purchase frequency, and average transaction value. According to Song Zhengping's estimates, 30% to 50% of the data asset's estimated value can typically be loaned out.

Secondly, there was the issue of equipment collateral, specifically the dozens of electric scooters owned by Anjia Household Services.

Afterwards, other forms of collateral can be added, such as Shen Kang's personal status as a college student for student entrepreneurship loans, and supply chain finance models—based on data generated from Anjia Household Services' sales of rice cookers to Anjia Technology. As long as genuine orders and accounts receivable are provided, these can also be used as collateral…

"...If we go through this whole process, based on the data in the document you provided, we should be able to get a loan of around one or two million."

After Song Zhengping finished his explanation, he gave a final overall assessment.

However, after saying that, he added, "Of course, all of this is based on the data and information you provide. If there are any discrepancies in our on-site investigation, then the results will certainly change accordingly."

Song Zhengping was used to being cautious; after all, he had seen some materials that were very well prepared, but discrepancies were found during the on-site investigation and verification process.

Afterwards, the two had a preliminary discussion about the loan interest rate, and even went out for lunch together. They then returned to Guo Pinyan's coffee shop private room to continue their discussion. By around 1 p.m., the loan negotiations between Yangcheng Bank and Anjia Housekeeping were nearly complete.

However, this does not mean that the loan will be approved immediately.

What they discussed today was only a willingness to cooperate and a general direction. Whether the loan will be approved and the specific loan amount are still matters for the bank to follow. At present, we can only say that the chances are very high.

"...The coffee at your friend's shop is indeed quite good."

After the business was settled, Song Zhengping sat down and relaxed, no longer discussing business matters.

After all, Shen Kang, besides being a potential business partner, also has another identity: the boy his daughter is suspected of liking.

Now that Song Zhengping has a basic understanding of Shen Kang, he is quite satisfied. Naturally, he wants to explore the relationship between Shen Kang and his daughter to see how far things have progressed.

Song Zhengping then showed some interest and asked, "Speaking of which, you're a freshman and Qingru is a junior, and you're not even in the same major. How did you two meet? I'm doing fine."

Shen Kang glanced at Song Zhengping and briefly recounted what had happened between them on the day of freshman registration.

After he finished speaking, Song Zhengping asked a couple more questions, and he then recounted their several subsequent interactions.

Song Zhengping was somewhat surprised after hearing this.

Judging from his daughter's behavior, he thought the two children were already dating. At the very least, they should be in a state of ambiguous friendship, but he never expected that the two children actually had so little interaction.

So, it was his daughter who secretly liked this Shen Kang? Song Zhengping thought to himself.

He knew all too well how high his daughter's standards were.

But after meeting Shen Kang today, Song Zhengping realized that this young man was indeed very different from ordinary male college students. He could understand why his daughter might secretly like him…

Song Zhengping thought for a moment, smiled, and casually started chatting about everyday things: "Actually, Qingru asked me to come to your school today. I don't usually have much time to spend with her, and I feel quite guilty about it, so I squeezed out some time to come today. I didn't expect to run into you like this, and we ended up chatting about business for ages. I bet she's really itching to get back at us right now, hahaha..."

Song Zhengping believed that Shen Kang was so smart that he should be able to understand what he was trying to express.

Afterwards, Song Zhengping chatted with Shen Kang about some everyday things, and the conversation drifted to Shen Kang's love life: "...Shen, you must have quite a few girls who like you at school, right?"

"Maybe."

Shen Kang said with an upright expression, "I don't know much about it. It's mainly because I'm not interested in dating. Rather than dating, I'd rather put all my energy into my career."

"..."

Song Zhengping's eyelids twitched. He wasn't sure if Shen Kang had misunderstood him, so he reminded him, "You're a college student now, it's perfectly normal to date. As long as you manage your relationship and career well, it won't affect your career. On the contrary, having a girlfriend can motivate you to work harder for her and promote your career development."

Shen Kang, however, remained righteous and shook his head, saying, "It's not that I'm afraid of affecting my career, it's just that I'm simply not interested in dating."

Upon hearing this, Song Zhengping was even more confused about what Shen Kang meant, so he could only say, "Your career is on the rise right now, so it's normal to have these thoughts. It's not too late to talk about it after you graduate and your career stabilizes."

Shen Kang remained righteous, shook his head again, and emphasized once more that he was not interested in dating, and would not date now or in the future.

Song Zhengping's expression changed slightly.

Shen Kang was clearly not an ordinary college student. Just as some of Song Zhengping's words had an underlying meaning, Song Zhengping believed that some of Shen Kang's words also had an underlying meaning.

Shen Kang repeatedly emphasized that he wouldn't date, clearly conveying a hidden meaning to himself.

This slightly annoyed Song Zhengping. He was usually aloof and everyone around him catered to his every whim, but now he was dealing with someone like Shen Kang, and with his daughter involved, he finally couldn't hold back. He tapped his finger on the table and said, "Speaking of which, this data asset collateral model ultimately carries considerable risk. Although I'm a branch manager, it's not like I can just make decisions on my own. There's still an approval process. Xiao Shen, you need to be mentally prepared."

When Song Zhengping was with Shen Kang before, he was always very easygoing, like a kind uncle next door.

Now, finally, some official authority is showing.

Shen Kang grinned and nodded. "President Song, you've already given me a lot of face by being willing to talk to me. I also believe that our cooperation will be a win-win situation and beneficial to everyone. As for whether it will work out in the end, let's do our best and leave the rest to fate. I won't force it. Even if it doesn't work out, I'll still be very grateful to you, President Song."

It's just a loan; it's good to have it, but it doesn't matter if it's gone.

He would never change his life principle of not dating because of something like this.

Song Zhengping was even more frustrated—this kid was completely unyielding.

But as he was feeling depressed, Song Zhengping suddenly laughed in exasperation, looking at Shen Kang in front of him.

This kid is actually quite interesting.

"Alright."

Song Zhengping stood up. "I originally came to see my daughter, but now that we've finished talking, I should go."

Shen Kang also stood up. "Then I'll see you off."

After dropping Song Zhengping off at the coffee shop, Shen Kang noticed that Guo Pinyan had returned—she had left when he and Song Zhengping went out to eat earlier—and was now sunbathing outside the coffee shop with Liu Jing. They sat in two rattan chairs, each with a drink beside them, chatting idly while watching the passersby, looking quite content.

When Shen Kang and Song Zhengping came out, Guo Pinyan only glanced at them before turning her head away and talking to Liu Jing, leaving only the back of her head in their direction, clearly not wanting to cause trouble.

Just as Shen Kang was about to send Song Zhengping away, he suddenly asked, "President Song, should I also notify the company to prepare to cooperate with your investigation and verification?"

Song Zhengping remained expressionless. "Of course we'll take it. Otherwise, wouldn't all that talk have been for nothing?"

Shen Kang nodded. "Okay, I understand. Take care, Director Song."

Standing at the entrance of the coffee shop, watching Song Zhengping leave and disappear into Xiaodong Street, Shen Kang returned to the private room inside the coffee shop, closed the door, and made a phone call to Kang Zhengyang.

When he received the call, Kang Zhengyang was in a meeting in a conference room in the Bank of America Building, discussing loans and cross-city business expansion.

Attendees included Li Xiangjun from the Training Department, Li Su from the Platform Technology Department, and Song Xiaoyu from the Finance Department.

"...Should we open only one branch in one city first, or how many at the same time? We need to decide this as soon as possible so I can make a training plan." Li Xiangjun was speaking, her expression somewhat helpless.

The opening of a city branch is just around the corner, but the higher-ups still haven't decided how many stores to open at the same time, which is making her job very difficult.

Kang Zhengyang was also helpless and could only say, "I understand your difficulties, and we will finalize this as soon as possible..."

As he was talking, his phone vibrated.

Kang Zhengyang glanced at the phone on the table, and after seeing the caller ID, he immediately picked it up and answered, "Hello, President Shen."

"I have something to tell you. I just spoke with people from Yangcheng Bank, and we've reached a preliminary agreement. Next, we'll move on to the on-site investigation phase. Call everyone over now, and we'll have a quick conference call."

Have preliminary intentions been agreed upon?

Kang Zhengyang was taken aback when he heard this.

In the morning, Shen Kang asked him to fax over some documents, so Kang Zhengyang knew that Shen Kang was also busy with loan-related matters. However, what Kang Zhengyang didn't expect was Shen Kang's efficiency; in just half a day, they had finalized the initial intentions and were ready to move on to the on-site investigation and verification stage!

Kang Zhengyang immediately asked, "How many tens of thousands of yuan was the loan discussed?"

"One hundred and fifty to two hundred."

"One hundred and fifty to two hundred!"

Kang Zhengyang was startled again, then overjoyed.

He thought the loan amount would be small, which was why the efficiency was so high, but he didn't expect it to be even higher than they had previously estimated!

"No need to call them, we're in a meeting right now. Li Su, Li Xiangjun, and Song Xiaoyu are all here," Kang Zhengyang said immediately.

"That's perfect, put it on speakerphone."

After turning on speakerphone, Kang Zhengyang placed the phone in the middle of the table.

Shen Kang's voice also came from the phone's speaker, announcing the news to everyone present.

Upon hearing this news, everyone present became excited, and Song Xiaoyu even cheered.

But Shen Kang immediately gave everyone a heads-up.

"Don't get too excited yet. We need to be prepared for the possibility that we might not get the loan."

Everyone was stunned again when they heard Shen Kang's words coming from the phone's speaker.

Kang Zhengyang asked, "The preliminary agreement has been reached, and you didn't exaggerate the data or make empty promises, Mr. Shen. As long as we show them our normal business operations and data, is there any chance of any changes? Or did you really exaggerate to them, Mr. Shen?"

"He wasn't exaggerating, but there's a bit of a hidden story behind this loan."

Since it concerned a major event for the company's development, Shen Kang did not hide anything and told the whole story: "It was a female classmate of mine in college who helped me get this loan. Her father is a branch manager of Yangcheng Bank."

"My conversations with the other party went quite well until the end, when it seemed like they wanted to tie the loan to my relationship status. From what they said, it sounded like if I didn't date his daughter, the loan might fall through."

"..."

"..."

"..."

Silence fell over the meeting room.

The expressions on the faces of the four senior executives from Anjia Household Services present at the meeting were all very strange.

They never expected that the loan would come about in this way; it sounds rather outrageous.

They even suspected that Shen Kang had drunk too much at noon and was starting to talk nonsense.

Song Xiaoyu was the first to speak up, asking, "President Shen, did you drink alcohol at noon?"

"What are you saying!"

Shen Kang's indignant voice came from the phone speaker and echoed throughout the conference room.

Song Xiaoyu continued, "But what you're saying is really outrageous. Are you some kind of Tang Sanzang (the monk from Journey to the West)? Someone actually came to your door to offer you a loan just to get you to be their son-in-law."

"Ugh."

Shen Kang sighed deeply on the other end of the phone, "That's how Commander Chang is. It's normal that you can't understand. I'm used to it."

"Why did the municipal government suddenly contact me and offer me some policies? Old Kang was puzzled at the time, so I gave him a brief analysis, saying that maybe the daughter of a high-ranking official had taken a liking to me."

At this point, everyone in the conference room heard a "slap" sound from the other end of the phone, which seemed to be Shen Kang clapping.

"See! Now it's proven, isn't it? That's how handsome guys are. Old Kang, you doubted my analysis and deductions back then, but look at this, look at this!"

Kang Zhengyang repeatedly said, "Yes, yes, I shouldn't have doubted your analysis and deduction, President Shen."

Only Li Su truly trusted Shen Kang.

After all, when Shen Kang first appeared in their dormitory, he was a complete "love guru"—to this day, the magnificent scene of more than a dozen girls wanting to add Shen Kang on QQ is still deeply imprinted in Li Su's mind.

This has now been further confirmed, to the point that Li Su couldn't help but say, "Brother, when are you free? I'd like to come to your school and ask you to give me another lecture. I've been getting a lot of private messages from girls on your Beiming Community forum lately, and some are even asking me to take a picture of my genitals and send it to them. I don't really know how to handle this."

Li Su certainly had a happy trouble.

Following Shen Kang's advice, he became a headless knight fitness blogger in the Beiming Community and truly experienced Shen Kang's joy.

Day after day, his private messages were overflowing, mostly from girls. Some were normal greetings, asking what his major and class were, while others were more direct, expressing a desire to be friends. Some were even outrageous, sending just "kk".

At first, Li Su didn't understand what the abbreviation "kk" meant. After asking the other party, he learned that it meant "take a look".

In addition, several more confident girls sent their own photos as well.

Li Su had never experienced anything like this before, so he wanted to learn from Shen Kang again.

Upon hearing Li Su's words, Shen Kang on the other end of the phone immediately perked up.

"Take a picture of the lower part? Is it the lower part I'm thinking of?"

"Yes, that's right. She just sent a 'kk' directly."

"Wow, this senior is really outgoing."

"Big brother, you really do understand what this means. I had to ask her again to find out what it meant."

"Of course I understand. I've seen more than you've walked a road, and KK is just a beginner."

Song Xiaoyu, who had been listening nearby, also cheered up and joined the discussion, asking, "So what exactly does 'kk' mean?"

Shen Kang's voice came from the loudspeaker: "Kids shouldn't ask such questions."

Song Xiaoyu was furious. "I'm older than all of you!"

"Don't ask such questions, ma'am."

Of all the people in the conference room, Kang Zhengyang was the most mature and composed. Seeing that the topic was veering off course and turning into a tea party, he coughed heavily a few times to bring the conversation back on track: "President Shen, weren't we discussing the loan?"

"Huh? It seems that's really the case?"

Shen Kang's voice came from the phone's speaker.

Kang Zhengyang looked somewhat helpless, while Li Xiangjun sat to the side, wanting to laugh.

Shen Kang coughed, finally steer the conversation back on track: "Indeed, we were discussing loans, Song Xiaoyu, and you've been leading the conversation on all sorts of nonsense!"

Song Xiaoyu felt wronged. "I..."

Before he could finish speaking, President Shen cut him off, saying, "Getting back to the point, you should be aware of the special circumstances surrounding this loan, right?"

Everyone said they understood.

Kang Zhengyang then said, "President Shen, you said the other party tied this loan to your relationship, and also told us to be prepared for the possibility of not getting the loan. So you rejected him, saying you didn't want to date his daughter?"

"Yeah, I said I'd never be in a relationship in my life. He didn't look too good at the time, so everyone should be prepared."

Although they had calmed down for a while, the expressions of the attendees were still somewhat strange when they heard Shen Kang's voice coming from the loudspeaker.

What the hell is this aloof male god?

Song Xiaoyu couldn't help but say, "Why don't you, President Shen, sacrifice yourself for the sake of our company's future and agree to their offer?"

Shen Kang's voice came through the speaker, calmly: "Oh, I've got it. Song Xiaoyu, I'll tell He Qiuzhu what you said."

"..." Song Xiaoyu chuckled dryly, "I was just kidding, President Shen..."

Song Xiaoyu still quite liked He Qiuzhu and didn't want her relationship with He Qiuzhu to deteriorate. She hadn't thought of He Qiuzhu just now, and was blinded by greed, which was why she had said that.

But as soon as she finished speaking, Song Xiaoyu remembered something else and raised her voice: "President Shen, didn't you say you would never date in your life? What do you mean by mentioning He Qiuzhu? Are you admitting she's your girlfriend?"

"I just wanted to pass on what your good friend said to her, like a greeting between good friends. Like, could you please pass on my greetings to your mom? Is there a problem?"

"Why did you send my mother your greetings?"...

Seeing that the topic had veered off course again, Kang Zhengyang quickly slapped the table to bring it back on track. "President Shen, let's skip the 'greeting your mother' part and get back to business. So, since you've already refused, should we still prepare anything?"

"It's my business if I refuse, and it's his business whether he approves it or not. But I've already told him that we'll be conducting an on-site investigation. Since that's the case, we're naturally prepared. Let's treat it as a very promising loan and do our best. That's what I wanted to tell you when I called today."

"You all just give it your all, leave the rest to me."

Upon hearing this, Kang Zhengyang's heart skipped a beat. "So, Mr. Shen, you have a backup plan?"

When asked about Kang Zhengyang's topic, Shen Kang only chuckled softly through the phone speaker without offering a reply, leaving everyone present with their own thoughts.

Then Shen Kang changed the subject and began assigning specific tasks: "This field investigation is comprehensive, so it requires the full cooperation of all departments. Li Xiangjun..."

Shen Kang assigned the tasks one by one.

After the brief conference call ended, Shen Kang hung up, and everyone went back to their respective tasks. Then, their meeting resumed...

Meanwhile, at Yangon Tech, in the coffee shop

After finishing his call, Shen Kang came out of the private room and walked to the door. He saw Guo Pinyan and Liu Jing still sitting comfortably at the door, watching people come and go, and clouds rise and fall.

"You two look like a retired elderly couple," Shen Kang casually remarked.

Liu Jing was quite happy to hear Shen Kang refer to her and Guo Pinyan as husband and wife, and thanked him with a smile.

Guo Pinyan rolled her eyes at Shen Kang, saying, "You're the old one."

He really wanted to ask Shen Kang what the branch manager of Yangcheng Bank had talked to him about when he came to the school, but he was afraid of getting harassed, so he held back.

Shen Kang wasn't annoyed. He pulled up a chair and sat down next to Guo Pinyan.

Guo Pinyan glanced at him again. "Are you free today?"

"I need to talk to you about something."