Winning the new financial era

Chapter 259 The Dangerous Cousin (Fourth)
"If you want to start a business, do you have a direction?"

Although Zhang Yida didn't believe that Xia Gan had the ability to start a business, he couldn't just pour cold water on him.

Seeing that he had been a human sandbag so many times when he was a child, he decided to give him advice.

"Yes, I want to do Internet finance."

Zhang Yida looked Xia Gan from head to toe with his eyes, and asked: "The Internet financial industry is very difficult! Including me and Jack Ma are walking on thin ice.

Are you sure you have the skills to do it well?I think you should open a courier and pick-up shop at school! "

"No!" Xia Gan felt that his cousin looked down on others, so he said stubbornly, "If I can make some money by express delivery, I will do Internet finance."

"You only see thieves eating meat, but you don't see thieves being beaten!" Zhang Yida smiled. "Internet finance also has many vertical segments. Which one do you want to be?"

"Borrowing! Online lending!"

Zhang Yida shook his head, "It's not that easy to do? You want to start a business, who is your partner? How much capital? How do you start your business? Who are you lending to? Where does the principal of the loan come from? What if there is a bad debt..."

Xia Gan was completely stunned by Zhang Yida's series of questions, and he thought for a while before replying: "I have partners, all of whom are my college classmates. The total principal of everyone is 10 yuan.

Our business is carried out through the loan platform, and the objects of lending are the users on the loan platform. The principal of the loan depends on the 10 yuan. If there is a bad debt, the loan service will help us collect it..."

After borrowing money, it is harmful!Zhang Yida said with emotion: Even Xia Gan, a college student who has enough capital of 10 yuan, has the opportunity to get involved in online lending.

It can be said that the one-stop service of traffic acquisition, risk control, and collection provided by Zaidaibei has lowered the entry threshold of the entire online lending industry.

When these small institutions or individuals come in to lend money, they know what the consequences will be with their toes.

Come in and grab a handful and run away, high interest rates, violent reminders...

Users borrow money from credit cards, Huabei, IOUs, and loans from regular low-interest platforms to repay high-interest platforms.

Supporting loans with loans, bad money drives out good money!The final outcome is that good institutions are dragged down, users' wallets are also drained, and the controllers of high-interest platforms make money and run away, leaving a mess.

"How did you come into contact with Zaidai?" Zhang Yida looked at Xia Gan with a serious expression, "This platform is very dangerous, don't touch it!"

Xia Gan said disapprovingly: "I think it's very good to borrow money. Their slogan is "Let the world have no hard-to-borrow money!" "

Brother Da, let me tell you that last year, the company invested 40 billion yuan in loans and promotions. This company is very powerful.

I also seized this wave of opportunities last year, promoted more than 3000 people, and earned a full [-] to [-] yuan!
In just two months, I promoted all the university towns near Pidu! "

Seeing his cousin boasting in front of him, Zhang Yida was annoyed and funny, and asked him, "I know the bosses of Lending Bei, Hu Gang and Wang Xiaojie. We even have partnerships in two companies, Hanzhou Securities and Hantai Fund." invest.

Hu Gang approached me several times, but I always refused the investment loan. Do you know why? "

Xia Gan shook his head, and Zhang Yida explained to him: "I don't like the model of borrowing money, it will be ruined by people with ulterior motives sooner or later."

"Who is the person with ulterior motives?" Xia Gan asked again.

"It's your kind!"

Xia Gan was very angry when he heard this, why did I become a person with ulterior motives?I am more wronged than Sister Dou E!

But he didn't dare to talk back to Zhang Yida, so he could only whisper, "I just want to make some money."

"You don't know the interest on the loan, do you?" Zhang Yida began to teach, "The contract amount is 1000 yuan, 700 yuan in hand, and 1050 yuan will be paid back a week later.

Annualized 2600%!

Do you think doing this violates the law? "

"How do I know?" Seeing his cousin's face getting uglier, Xia Gan muttered in a low voice.

"You don't know, you dare to do this job if you don't investigate clearly! Are you going to eat a national meal in this life?"

If Zhang Yida didn't see that he was his cousin, he would never have cared about him.

Knowing that he was too young and was blinded by money, he patiently explained to him: "The country supports and recognizes the annual rate of less than 24%; 24%-36%, the country also acquiesces, but once there is trouble When it comes to litigation, it is not supported;
More than 36%, it is illegal! "

"Then... Brother Da, how many years is this sentence?"

Zhang Yida looked at his cousin who was "fooled" by him, and decided to add another fire, "Serious sentence of life!"

Xia Gan is really discouraged now, he is only 18 years old, and he doesn't want to take the freedom of this life for a little money.

Indefinitely, it is true that life is worse than death!
"Brother Da, I'll listen to you. I'm not doing this anymore, I'm going to open a courier shop!"

Zhang Yida succeeded in "persuading" a young man who had almost gone astray, and he felt a sense of accomplishment in his heart.

He finally showed a smile to Xia Gan, and said, "Do it well! I'll find you another job as a "promotion ambassador" for DouTV. There are many beautiful girls in your school, so you can invite them to make short videos on DouTV. Videos become internet celebrities.

In addition, I asked Douvision to give you a monthly bonus based on your work performance.

How about it?Not bad for this job!All the pretty girls in the school will be around you.

After you graduate, I will support you to set up an MCN institution. "

Xia Gan has been fascinated by the beautiful blueprint drawn by Zhang Yida, and he begins to fantasize about his beautiful days "surrounded by beauties" in the future.

He nodded heavily at Zhang Yida, "Brother Da, don't worry, I will definitely trick the most beautiful girl in our school into TikTek."

"How can it be called cheating? That's called signing a contract! DouTV will definitely have a future in the future, much better than those live broadcast platforms."

Xia Gan has now given up his "mutual gold dream" and started discussing the advantages and disadvantages of Doushi with Zhang Yida. He said:
"Although DouTV has a very good experience and is very addictive. But you can't make money! There is a reward for the live broadcast!"

"Users haven't circled enough, and commercial realization will not be considered this year."

Xia Gan was a little embarrassed, "Then how can I persuade people to join Douvision?"

"You are like this..."

Zhang Yida began to teach the "unique trick".

After a while, Xia Xiaorong came to ask the two brothers to go out for dinner.

Before going out, Zhang Yida emphasized to Xia Gan again, "You must never touch mutual funds. If you really want to do it, I will send you to Indonesia after you graduate."

"Brother Da, don't worry! I've listened to what you said, I don't want my life to be dark!"

At the dinner table, Xia Xiaorong asked: "What are you brothers talking about in the study room? You went in for several hours before coming out."

"Eh!" Zhang Yida hurriedly found an excuse, "We just talked about starting a business, and Xia Gan wants to work and study, so ask me what I can do?

I made a move with him and opened a courier collection store. "

"This is a good thing! This kid Xia Gan has been smart since he was a child, and he will definitely be more promising than your brother in the future." Zhang Qinghua boasted with a smile.

"I don't dare to compare myself with Da Ge. I will be satisfied if I can buy a suite in Rongcheng with my own efforts in the future!"

Xia Guoping, Zhang Yida's uncle, also rarely praised his son, "Finally, I am sensible, and I will learn from your brother. Don't be too ambitious, and open the express store in a down-to-earth manner.

If you are short of money, the family will also support you. "

"There is no shortage of money. I earn tens of thousands from my part-time job, which is enough to open the express delivery station."

"What kind of part-time job do you do? How can you still earn tens of thousands? Why didn't you tell your parents about this?" Aunt Ni Ling asked aloud.

No matter how Xia Gan explained, his parents couldn't believe it: He only went to college for half a year and earned tens of thousands of dollars. Do you think you are your cousin?
In the end, it was Zhang Yida who helped out and explained the behavior of "scattering money" after borrowing money. In the end, the uncle and aunt reluctantly accepted that his son made money.

Looking at the aggrieved Xia Gan, Zhang Yida also felt that his uncle and aunt had gone too far, and he should give more trust to the child.

So Zhang Yida said: "Actually, when I first started my business, my parents didn't trust me. Or I can't say they don't trust me, they just think you can't do well.

I had no other choice, so I secretly took the property certificate of my home and used it as a mortgage, which was how I got enough capital to start a business. "

Zhang Qinghua and Xia Xiaorong couldn't hold back their face: this kid, why is he talking outside?
"Actually, the reason I said so much is to make my uncle and aunt trust and understand Xia Gan more."

Xia Guoping knew about this nephew's abilities, the chairman of a listed company, a rich man on the Forbes list...

So even if Zhang Yida is a junior, he should still pay attention to what he said.

So Xia Guoping nodded, "Yida, you're right, it's uncle and aunt who didn't do a good job, we will definitely change it in the future."

"Yes!" Ni Ling also echoed her husband and said, "We must learn from our elder sister and elder brother-in-law!"

"You two don't want to say that Xia Qian can't do this, that's not good. Isn't that "encouragement education" popular now?

The more you encourage, the more confident your child will be in doing things. "

Xia Xiaorong turned her head to look at Xia Gan again, and said with a smile, "Come on, Auntie has always supported you. It doesn't matter if you fail, just use it to accumulate experience!"

After her uncle's family left, Xia Xiaorong said to Zhang Yida: "Why do you encourage your younger brother to start a business? Is it so easy to start a business?"

"How will you know if you're the one if you don't try?" Zhang Yida couldn't tell his mother about Xia Gan's dangerous thoughts, so he had to make up a nonsense reason.

"You, you!" Xia Xiaorong pointed to Zhang Yida, and said, "After that, did you ever think about letting your brother work in your company?"

"No way!" Zhang Yida shook his head like a rattle, and seeing his mother's unsightly face, he explained again:
"Our company is now full of professional managers, and it is not popular to insert some relatives into it.

I support him in starting a business, and I just want to support him in the future.He can do his job well. "

"That's fine! There is only one child in your uncle's family, and you are capable now, so take care of him if you have the opportunity."

"Okay, I'll try my best!"

　Thanks: Oh, speed, book friend 20171201150846437, the guardian, the little P boy who makes soy sauce for the reward!

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(End of this chapter)