Grassroots lawyers also have spring

Chapter 638 Risk
"Don't work too hard. Our family is better than the top and the bottom is more than the bottom. We can get by! Besides, I also make money, and I don't need you to support me. Why are you working so hard? The body is the most important thing!" Wu Hongyan's eyes showed a hint of blame. color.

"That is to say, but in this city, it is difficult to move without money. Sometimes I really want to work for a few more years and go back to my hometown to develop. Where is the pace of life not so fast! It is not so tiring! Of course, the customer resources are not as good as here. "Wang Chuan said helplessly.

"Seeing me like this, do you still want to be a lawyer?" Wang Chuan held his wife's hand, raised his head and asked with a smile.

"It's hard to say, I feel pretty good in the company. Let's have a look again. I'll come out to be a lawyer when you are stable. One of the two of us must be more stable." Wu Hongyan smiled and said: "Okay! Let's eat first, After eating, go take a hot bath. Relax! Get a good night's sleep!"

"Yes! Ma'am." Wang Chuan stood up and said, making Wu Hongyan lean forward and back with a smile.

Early the next morning, Wang Chuan received a call from Zheng Shuang (Zheng Tongzi) as soon as he arrived at the law firm.

"Brother, long time no see. How are you doing?" Zheng Shuang said.

"Busy all day long! Come over when you have time! We haven't seen each other for over a year," Wang Chuan said.

"Okay! By the way, big brother, a friend introduced me to a legal consultant business, but I can't do it here, do you want to know more about it?" Zheng Shuang said.

"Okay, let's make an appointment to come to the office to talk!" Wang Chuan said.

"Okay, you are here in the afternoon. I will make an appointment for you later. If the other party's time is convenient, I will make an appointment for you for an afternoon interview and go to your office." Zheng Shuang said.

"Okay, I'll wait for your letter." Wang Chuan said.

At 03:30 in the afternoon, two men came to the Yuanfang Law Firm. They had a small cut, casual clothes, a three-quarter hairstyle, a suit, and a handbag under their armpits.Xiao Guo let them into the conference room.

"Hi, I'm Wang Chuan." Wang Chuan entered the conference room, introduced himself after sitting down.

"Hello, Lawyer Wang, my surname is Jing, and he is the business manager of our company, surnamed Zhou." Xiaocuntou said with a smile.

"Mr. Jing, Mr. Zhou, hello. I heard from Lawyer Zheng that you are looking for legal counsel, is that right?" Wang Chuan asked.

"Yes, our company is relatively large now, and we want to regulate it and prevent people from being sued, so we want to hire a legal adviser." Xiaocuntou said.

"Our team is mainly engaged in the legal consulting business. I don't know what kind of business your company is in, and what industry?" Wang Chuan asked.

"We mainly do financial business!" Xiaocuntou said.

"Financial business, what does your company do specifically?" Wang Chuan asked.

There are a lot of financial businesses, such as trust, banking, factoring, small loans, fund companies, etc. The other party doesn't say what kind of business they do. It's hard for Wang Chuan to judge whether his team can handle it, let alone the business behind Good job.

"We're in the loan business," said the man with the thirty-seven haircut.

"Loans? Does your company have business dealings with banks, or has a relationship with trust companies? Does your company have a financial license?" Wang Chuan asked suspiciously.

Looking at the two people in front of them, they don't look like people from a bank or a trust company.

"We don't have a financial license. We lend money by ourselves. Our company has a dedicated fundraising team and a dedicated lending team. We want to standardize loan contracts and personnel management," Xiaocuntou said.

"Then your fundraising costs must be high," Wang Chuan said.

"It's not bad, the annual rate is about 20.00." The man with a thirty-seven cent haircut said: "Our loan interest rate is high, starting at 50.00% and up to [-]%. According to the customer's situation, the interest rate of each loan is different. So there are still earned."

"The business we are doing is, in modern terms, P2P business. Many companies are doing it." Xiaocuntou said proudly.As if standing on the top of the new wave, overlooking the world.

Usury!Isn't this the legendary non-suction usury?Wang Chuan was shocked.

"Oh, that's it! For the legal advisory unit involved in financial business, the partners of our law firm have to hold a meeting to study the industry and legal regulations. One is to confirm that there are relevant professional lawyers who can undertake the relevant business, and the other is to consider the issue of pricing. That is the question of attorney fees.

You two wait for two days, I have a letter, let me tell you. "Wang Chuan thought for a while and smiled.

"Okay, then we won't stay any longer, we have to go to the next law firm, and we'll talk later!" The little cropped man said as he got up and left the law firm with the man with the three-to-three haircut.

Wang Chuan is still very cautious in dealing with consulting units, not all companies do it.For example, financial companies such as p2p, because there are no clear regulations in the law, there are certain problems in their legality, so he is still very cautious.

Although this kind of company is booming at this time, and the streets are full of advertisements and opening stores, Wang Chuan still has a keen sense of risk.

He once talked with Ouyang Qiao about the hot P2P business in the market, but Ouyang Qiao dismissed this kind of business at all.

Ouyang Qiao does not understand how the law stipulates, but from the perspective of a financial practitioner and a bank executive, he feels that P2P is very risky.

He knows the level of risk control in his bank, even if the bad debt rate of the loans released in this way is still high, not to mention the weak level of risk control or the p2p that basically grows savagely without considering risks, the bad rate must be frighteningly high.

In Ouyang Qiao's words, this kind of business can earn some money by doing it in the early stage, and it's enough to land as soon as possible. Don't think about earning the last copper coin.Because the bad debts of p2p companies will become higher and higher, and the only way to solve it is to tear down the east wall to make up for the west wall. One billion, even tens of billions, hundreds of billions are possible, and it will be difficult to quit at that time!Basically, there is no possibility that there will be eggs under the cover of the nest, and none of the institutions that provide services for them will escape.

Moreover, such companies that raise funds publicly for external lending are suspected of being illegal. Fatty Wan has been in contact with such cases, and in all likelihood they will be deemed illegal by the court, which is extremely risky.

Therefore, Wang Chuan is very cautious in dealing with such customers and tries not to participate, so as not to implicate his team in the event of a customer accident.

Seeing that it was almost time to get off work, Wang Chuan's cell phone rang.

"Hello, are you lawyer Wang Chuanwang?" A middle-aged man's voice came over.

"Hello, I am. Who are you?" Wang Chuan said.

"I'm Lawyer Li. I have a business I want to talk to you about. I don't know if it's convenient for you after get off work. I want to meet and chat with you." The other party said.

"Okay, come to the law firm or go to your place?" Wang Chuan said.It's a good thing for peers to recommend business to your door!

(End of this chapter)