rebirth of change

Chapter 360 Limin Small Loan Company

On the first day after Chen Kangjie started school, he heard the students talking about the old man coming to Liuzhi. He is already a middle school student. After everyone was exposed to politics, they also began to care about these things. Everyone discussed very intensely. Talking about his source of information, Chen Kangjie sat in his seat without saying a word, as if he seemed to have nothing to do with himself.

"Chen Kangjie, have you seen the old man?" Fan Xuexi turned his head and asked.

"I guess Chen Kangjie must have seen it, otherwise he wouldn't have said nothing." Before Chen Kangjie could speak, Zhang Qiang answered for him.

Not to mention, this guy really guessed right. After following Chen Kangjie for a while, he became smarter.

"Hey, of course I saw you, we still eat together every day, don't you believe it?" After Zhang Qiang finished speaking, Chen Kangjie said with a playful smile.

"Just brag, you might as well say that you came with me." Fan Xuexi was very disdainful of Chen Kangjie's 'speaking out loud'.

"Hehe, it's because you don't believe me, so you can't blame me." Chen Kangjie was just relieved, anyway, he told the truth, whether you believe it or not is up to you.

Before everyone had a clue, the class bell rang. Everyone was concentrating on listening to the class. Only Chen Kangjie was doing his own thing. He had to quickly hand over the writing to Li Wendong. Anyway, Chen Kangjie wrote it in English, and Zhang Qiang couldn’t read it at all. I understand, besides, Zhang Qiang is already used to Chen Kangjie always doing things that he doesn't understand in class.

At the end of April and the beginning of May, the sales statistics of Chen Kangjie's first book with intellectual property rights came out. In a whole month, the printing factory reprinted three times, and the sales exceeded 4000 million copies. With the huge number of the first month As a foundation, Li Wendong is assured that this book will sell more than [-] million copies.

Li Wendong simply regards Chen Kangjie as the god of wealth and lucky star. Being able to own the exclusive publishing rights of Chen Kangjie's books not only makes him a lot of money, but also makes his life very comfortable. The company's development is booming. The only thing that worries him is those The journalists who have played no more, can't find out who is the real author, and all focus on him, anyway, he must know.

As a last resort, Li Wendong can only hide from the small media. For the big media, he should try his best to promote the company's image and other self-published books. Anyway, if you want to interview, you can only give you this information. If you want to inquire about the author's identity, that is It is absolutely impossible to tell, without Chen Kangjie's permission, if he leaked his words, he would definitely offend the God of Wealth, and the loss would not be worth the gain, so he had to sleep without a mask.

By the end of April, Zhong Kefan and He Huideng had sorted out the plan of the small loan company. After Chen Kangjie read it, he thought it was feasible. According to the latest financial policy, there was no such regulation. Zhong Kefan and the others went to the People's Bank of China Consultation, the answer is to apply upwards from the local 'government'.

"Jie Shao, do you think we should apply for this or they will handle it themselves?" Ouyang Zhenhua asked while sitting on the sofa.

After the Chinese New Year, Ouyang Zhenhua was able to return to Hong Kong to rest for a few days. Other executives and employees who had been working overtime during the Chinese New Year were also given a week off. Everyone returned home to rest. Ouyang Zhenhua processed Chen Kangjie’s new book in Hong Kong After the release, I received a call from Zhong Kefan and the others, saying that the plan had been completed and came back.

Zhong Kefan and the others went to Singapore and Hong Kong specifically for this plan. They still listened to Chen Kangjie's advice, anyway, they can spend with public funds. If they don't come up with a satisfactory plan, they will not only not get this attractive position, but also At risk of losing your job, so it's a fight to the death.

In addition to foreign countries, they also studied and studied in Mingzhu and Pengcheng for a month in the Mainland. How to avoid risks, I searched through the current laws and regulations, but I couldn't find any restrictive provisions, and of course I couldn't find any encouraging and supportive provisions.

A total of 12 yuan allocated to them was not used up, only more than 6 yuan was spent. The two of them were visiting other places and stayed in cheap hotels. They did not stay in high-end hotels when they went abroad. They chose economical hotels , in Liushuipan, almost no public money was spent, and they paid for it from their own wages in towns and towns. Anyway, their wages have doubled several times.From this point of view, Chen Kangjie is also a kind of investigation for them. If they really waste 12 yuan, Chen Kangjie will feel uncomfortable. related to the work to be done.

To be a small loan company like this, character is very important. If you don't have the hardworking and thrifty heart of serving the public, it is easy to make mistakes. The kind of people who spend money extravagantly must also be poor when it comes to loan approval and inspection. Random, it is difficult to strictly control each joint.

When Ouyang Zhenhua saw Zhong Kefan and He Huideng, he found that they had almost lost a lot of weight. It seemed that the past few months were not in vain, and a lot of labor and thought were spent.

"Let them do it themselves. These things can only be cleared up by themselves from the beginning to the end. At most, they can give them some pointers." Chen Kangjie stood near the window and said without thinking.

If Chen Kangjie showed up, it would be really easy, but Zhong Kefan and the others would lack a chance to practice.

After Ouyang Zhenhua conveyed Chen Kangjie's intentions to Zhong Kefan and He Huideng, the two did not shirk it. This was their responsibility in the first place.Ouyang Zhenhua also allowed them to set up a preparatory office. The office is temporarily located in Master Kong's company, and a room is specially allocated here for them to work.

To set up a preparatory office, it is necessary to recruit personnel and organize documents.To this end, the two recruited five employees, three men and two women. Two of them are their alumni, and also Chen Kangjie's alumni. The other three came to Shancheng University, Pearl University and Strait University. The majors are not required to major in finance. There is a girl who works as a secretary who majors in marketing. They are willing to come because of Hongyuan's background and high salary. Once this kind of start-up company develops, they, the veterans, are very likely to become executives.

After Zhong Kefan and the others sorted out the application documents, they went to Chen Qigang. Chen Qigang took a look at the document and thought it was a good thing, but the district couldn't handle it. He had to find He Baoguo, and the city applied to the relevant department.

He Baoguo spent a whole morning studying Zhong Kefan's material, and felt that once successful, it would be like nectar for the development of local small and medium-sized enterprises.He specifically called Zhong Kefan and He Huideng for an interview, and then took them to the superior People's Bank in the name of the city's 'government'.It was the first time that Zhong Kefan and He Huideng dealt with high-ranking 'government' officials in a working relationship, and they felt that it was nothing more than that, the leaders got along very well.

From the Provincial People's Bank, they brought back two pieces of information. First, the contribution ratio of a single investor in a microfinance company cannot exceed [-]%, and secondly, their loan interest rate is the lowest commercial loan interest rate stipulated by the People's Bank of China. In other words, the interest rate of small loan companies is low.

These two problems are not a problem for Chen Kangjie. A single investor does not exceed 8000%, that is, at least ten investors are required. Chen Kangjie plans to let Guohao Aircraft invest 8000 million yuan, Tengfei Automobile contributes 8000 million yuan, and Anycall Communications contributes 8000 million, Mengting Tourism 8000 million, Free Semiconductor 8000 million, Huawei Software 8000 million, Coy Electronics 3000 million, Qiantong Logistics 8000 million, Tongda Expressway 8000 million, Ouyang Zhenhua personally 500 million, Zhong Kefan and He Huideng each have 8 million yuan, and together eleven legal persons have contributed 3000 million yuan. After each subsidiary company contributes, Hongyuan will subsidize these investments to them. Anyway, Chen Kangjie originally arranged [-] million yuan. Ten thousand U.S. dollars is used as the share capital of the small loan company.

Zhong Kefan and He Huideng did not expect that they had 500 million yuan in capital. They had no money at all. If it was 500 yuan, they could barely take it out. 500 million yuan was something they would never dare to think about in their entire lives.Ouyang Zhenhua told them that the company gave them an advance. Of course, the 5000 million can't be said to be given to them all. It can be regarded as a reward for the senior management. As for how to distribute it, they will divide it themselves in the future.

As for interest rates, Chen Kangjie has no intention of relying on microfinance companies to make money at all. He is worried that the People's Bank of China will set high interest rates. If the loan interest rate is high, it will increase the burden on small and medium-sized enterprises and entrepreneurs. On the contrary, he welcomes low loan interest rates. attitude.Chen Kangjie's reply was that the calculation was based on [-]% of the minimum loan interest rate of commercial banks, and the interest obtained would be used as the company's management expenses, and they could control the lending risk within a reasonable range.

Chen Kangjie named the company Limin Small Loan Company. Under the coordination of the municipal government, the City Federation of Trade Unions sold a six-story old office building to Limin Company at a low price.This building is always old, but the location is good. It is on the street in the city center. Limin Microfinance Company has spent 500 million renovations, and it has a new look. The exterior walls, interior walls, roof, doors, windows, and floors have all been repainted. However, with the addition of modern office equipment, it looks like a company with a fresh air of the times.The purpose of buying this building for renovation is to save time, and the Federation of Trade Unions can also get a sum of money. Otherwise, their office building is almost half idle. With this money, they can do other things.

Neither Chen Kangjie nor Ouyang Zhenhua attended the opening ceremony of the small loan company. It was all handled by Zhong Kefan and He Huideng, but the 'government' was very supportive. Executive Vice Governor Zhang Shan, Municipal party secretary Liang Minkuan and mayor He Baoguo all came forward. CCTV, China Youth Daily, Provincial TV Station, Provincial Daily, Financial News and other news media gave important reports on the first small loan company in the country.Zhong Kefan and He Huideng, two young people who have just graduated, as the general manager and deputy general manager, their high-spirited images appeared in the media for the first time, and they began to be known by the Chinese people for the first time. In order to deepen the publicity, the two, He also accepted exclusive interviews with financial reporters from CCTV and Provincial TV.