I Won a Prize of 100 Million at the Beginning, and I Became a Capital Boss

Chapter 58 Transcribe the development strategy of business!
Aya Ito felt that her May Day holiday was very fulfilling and perfect.

As a tour guide and interpreter, she accompanied Bai Xiaolu and Zheng Wentong to visit Disneyland and Disney Ocean, and accompanied them to eat, drink and play. Bai Xiaolu helped arrange the accommodation for two consecutive nights.

On the morning of the [-]rd, Bai Xiaolu and Zheng Wentong went shopping at Isetan Department Store Shinjuku, and both of them needed to help their relatives and friends to buy.

Zheng Wentong settled the part-time salary to Aya Ito, and also provided an invitation for an internship.Zheng Wentong plans to second two employees from Mihayou Technology to assist Ito Aya in building the framework of the Tokyo studio.

Zheng Wentong plans to rent an entire floor of an office building between 70 and 100 square meters in Shibuya District as the office space of the Tokyo studio. The annual rent is about 800 million yen to 1000 million yen.

After the office is rented, Aya Ito can start an internship. The salary during the internship period is 18 yen per month, and 25 yen after becoming a full-time employee. Regular workers can get a bonus of 3 to 6 months.

Converting Bai Xiaolu into RMB, Aya Ito's annual income after becoming a regular is between 19 and 23 RMB.

"Is the salary of interns who just started working in RB so high?"

In comparison, the salaries of fresh graduates from 211 and 985 in Slope Capital are only [-], while the salaries of graduates from other institutions in their first jobs in Puhai are only [-] to [-].

"Consumption levels are different. 25 yen is only enough for Aya Ito to live in Tokyo. She can only rely on bonuses if she wants to save money. That's why some RB girls go to sea. After all, this is the era of laughing at the poor and not laughing at the prostitutes."

After the holiday, Bai Xiaolu went back to school, and Zheng Wentong went back to work in the company.

He distributed the cosmetics and souvenirs he purchased to Xu Ru and Jiang Nan.

"The little deer helped pick out these little gifts. If you don't like them, it has nothing to do with me."

"Thank you, Mr. Zheng, and thank you, lady boss." Zheng Yaqing smiled with a dimple.

Zheng Yaqing changed her hairstyle. Her hair was dyed yellow. She was wearing a half-sleeve rose red shirt and black skirt, black silk and wedge high heels.

"Our company's dress code is relatively loose. Girls just don't need to wear suspenders, see-through clothes, and miniskirts, and boys just don't need to wear slippers, beach shorts, and vests. Girls should still dress up beautifully, there is no need to dress up like this Mature."

Xu Ru agreed, "Yaqing, Boss Zheng and I wear formal attire because there are some reception requirements. You don't have to follow suit."

"Okay, Boss Zheng, Miss Xu Ru." Zheng Yaqing was a little aggrieved, she paid a lot of money to buy this outfit, after all, she usually buys clothes from a certain treasure, and she was willing to place an order after shopping around.

"By the way, go downstairs and call Zheng Anguo and Yu Qiao over. I'll ask about the business situation of the transcript. Looking at their financial statements for last month, the operating income has suddenly increased a lot. I want to know what the situation is. .”

Zheng Anguo and Yu Qiao came over soon, and Zheng Wentong was waiting for them in the office.

I don't know why, when she first joined Slope Capital, Yu Qiao would still joke with Zheng Wentong, but after the Chinese New Year, every time she saw Zheng Wentong, she felt that the boss was more and more majestic.

Perhaps Zheng Anguo's humble attitude towards Zheng Wentong affected her, and she finally realized that Zheng Wentong was the boss of her immediate boss.

Zheng Wentong poured a cup of tea for Zheng Anguo and Yu Qiao, and the two quickly took it. "How is it? Is the work in the letter transcribing business going well?" Zheng Wentong asked Yu Qiao first.

"It's very good. Mr. Zheng takes good care of me. If there is anything difficult to deal with financially, Sister Yutong will help me deal with it immediately if she has time."

Zheng Anguo was a little angry, "Say it, call my brother, our company only has one Mr. Zheng."

"Okay, you are now the general manager of Transcript Business, and Yu Qiao is right in calling you Mr. Zheng."

"I read the financial statement for April, and there was an extra account receivable, but the source of income was not indicated. What's going on?"

"The number of overdue customers of China Tran Letters is indeed increasing. After all, their loans are not listed on the credit report. Customers who repay the loan for more than 6 months begin to be overdue. Many customers just know that the loan is not available on the credit report and deliberately do not repay the money."

"Because the business opening of China Transcript is relatively small, we happened to be working in Pufa Building, so we contacted Pujiang Bank and took over their overdue bank debt business. Because we are not sure whether we can cooperate for a long time, we did not indicate the source of income. .” Zheng Anguo replied.

"Yes, Anguo, you are taking the initiative and are good at using resources. Pujiang Bank will follow up and strive to become a long-term customer of Transcript Business."

"By the way, your wife's job at Jianwen is also very good. She is the champion of renting houses almost every month and has won a lot of bonuses. This elementary school teacher is really good at sales!"

"Really? I don't know, because we don't talk much about get off work after work."

Zheng Wentong knew in his heart that the reason why these small loan companies did not go to the credit report was not to facilitate customers to avoid debts, but because there were tricks in the loan contracts.

If the loan contract amount is inconsistent with the actual loan amount, the small loan company will help the loan service fee and insurance premium to be included in the loan contract in advance, so as to conceal the real interest rate of a single loan in order to comply with regulatory requirements.

At present, Zhongyanxin mainly produces three different products with monthly interest rates of 1.49, 1.89 and 2.29 respectively. Among them, the 2.29 product is the product that lends the most money. The average monthly interest is 229 yuan for a loan of [-] yuan.

Taking 10 yuan as an example, if the customer has used up 36 installments, the principal plus interest returned to China Transcript will be 2290 multiplied by 36, plus 10 principal, for a total of 182440 yuan.

The regulatory structure stipulates that the upper limit of the loan interest rate cannot exceed the annual interest rate of 24%, 10 yuan, 36 installments, the annual interest rate is 24%, equal repayment of principal and interest, and the actual monthly repayment is 3923.29 yuan.

Then, if calculated according to the interest rate of 24%, the total repayment of principal plus interest for 36 periods is 141238.44 yuan.

Subtract 182440 from 1421238, and the extra 41202 is the service fee and insurance premium for 36 installments. Therefore, China Transcript will sign a loan contract of 141200 with the borrower, and the actual loan amount is 10 yuan. The term includes service charges and insurance premiums of 36 yuan.

Of course, the offline salesperson and third-party intermediary of Zhongyanxin will tell you that you can choose to repay the loan in advance. If you repay in advance, no matter how many installments the loan service fee and insurance premium will be returned to you, they will not be charged.

Yes, it is true. Many customers are actually in a hurry, and they may be able to turn around in 3 or 6 months. When the time comes, they will repay the loan in advance, and they will not have to pay so much interest.China Transcript, Yirendai and Huafu Pratt & Whitney are all such borrowing routines.

However, early repayment generally requires early repayment liquidated damages. For example, Zhongyanxin stipulates that early repayment within 6 months will charge 3 points of early repayment liquidated damages.

The liquidated damages are charged according to the contract amount, 141200 multiplied by 3%, and the liquidated damages are 4236 yuan.

If you only use 10 yuan for 30 days, repay the loan immediately in advance, the annual interest rate is 24%, the monthly interest rate is 2%, and the 10 yuan is used for one month, the actual interest is 2000, plus 4236 yuan for liquidated damages, and For the loan service fee and insurance premium of 1144.4 yuan in the first period, the actual borrowing cost you paid is 7380 yuan!
Look at the routines played by these loan companies. This is the use of information asymmetry to carry out financial deception on the bottom masses.
Zheng Wentong's father, Zheng Xingjian, is in the pawn business, and the interest on foreign loans is up to two cents, 10 yuan a month, and the interest is 2000 yuan.

Zheng Wentong was studying at Zhongchu University of Economics and Law at that time, and his elder brother was working in the provincial capital. Both brothers were unwilling to inherit the pawn shop, thinking that the reputation was not very good.

But compared to these bloodthirsty small loan companies, Zheng Wentong felt that Zheng Xingjian was already doing charity.

Zheng Wentong summed up why P2P wealth management products frequently exploded. Customer loans of small loan companies come from P2P wealth management platforms.

Because many of the loans of small loan companies do not go through the credit report, in order to repay the loan, they often make up things and make up for the other. It is difficult for the customer's real debt to be reflected in the credit report.

In order to get a high commission, some salesmen even blatantly told customers that they should change a few installments first, just to make a show.

The salesmen of small loan companies in the market fly bills to each other. If you can’t make a payment here, I will introduce you to another company for approval. After the loan is successful, the customer and the salesmen of other companies will return the points.

Therefore, after many small loan companies made money in the first two years, the overdue bad debt rate of customers increased sharply. In the end, the company could not continue to operate, and the corresponding P2P wealth management platform frequently exploded.

It is this kind of financial chaos that has disrupted the entire Internet financial industry. Fishing in troubled waters, chaos and smog, finally ended up in a mess.

Zheng Wentong didn't intend to make money in the market like Zhongzhuanxin, Yirendai and Huafu Pratt & Whitney. He wanted to make a product like Zaibai, gold bars, Weiweidai, and Youqianhua, with interest calculated on a daily basis. Borrow and repay immediately, no loan service fees and insurance premiums are charged, and the highest daily interest rate does not exceed [-]/[-].

Also taking 10 yuan as an example, according to the highest daily interest rate of 12/9340.2, 112082 repayments, equal principal and interest repayments, the monthly repayment amount is 12082 yuan, a total repayment of [-] yuan a year, [-] interest.

Only when these formal lending platforms grow stronger and squeeze out the living space of small loan companies and non-performing online loans, can they truly help the people at the bottom.

Of course, some people will say, why not ask a bank to borrow it?Doesn't the person who said this have the same meaning as Emperor Hui of Jin said "why not eat minced meat"?

In fact, the largest audience of small loan companies and online loan platforms are small and micro business owners and individual traders, whose qualifications determine that they cannot borrow money from banks.

Because the lending market is like this, banks will desperately grant credit to high-quality companies that are not short of money, and customers who are really short of money have nowhere to borrow money, so Mr. Ma's borrowing and online merchant banking have indeed helped many people.

Collection company - small loan company license - consumer finance company license - bank license, Zheng Wentong listed the work priorities of the letter transcribing business in the next few years in his notebook.

"Okay, I've figured out the situation, you guys go back first!" Zheng Wentong told Zheng Anguo and Yu Qiao.

Seeing that Xu Ru returned to the office after talking about the matter, she casually mentioned, "Manager Zheng and Yu Qiao have a very close relationship. When taking the elevator, Yu Qiao even smoothed Manager Zheng's trouser legs."

Zheng Wentong frowned, but did not answer.

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(End of this chapter)