Chapter 568: The Greatest Hero
“Brother Chen, are you looking for me?”
God-given Capital.
As CFO, Bage Li pushed the door open and entered.
"Xiao Bai, sit down."
Jiang Chen, who was sitting on the boss's chair and thinking deeply, smiled and raised his hand.
When he was at Dongda University, in addition to being widely known as a "dog licker", Jiang Chen actually had another label that was buried.
That is the top student.
But only he knows that in terms of knowledge, he pales in comparison to the youngest in the dormitory.
It’s just that Bage has a shortcoming, that is, he is relatively shy, introverted, and not good at dealing with people. Such a personality is undoubtedly suitable for financial work, and it is appropriate to put him in the position of CFO.
The most important person in a company seems to be the person who manages the money, but the person who manages the money is also very important.
Bai Zhili lived up to Jiang Chen's expectations. Even though he was still young, he adapted quickly after taking office and handled the most complicated economic work in an orderly manner.
"Brother Chen, what's the matter?"
Everyone gradually grows up on their own life trajectory.
Since the establishment of Tianci Capital, Bai Zheli, who used to blush occasionally when speaking, has matured a lot to the naked eye. His previous black-rimmed glasses have become gold-rimmed half-rimmed glasses. In Luo Peng’s words, then Just a bit more manly.
“Are you tired? Do you need a holiday?”
“Not tired.”
“Are you really tired or not? It’s okay, just do it if you are tired. Rest, the company is now on the right track, there is no need to work as hard as before."
"I'm not tired, Brother Chen, you are still worried that I will not meet you, Brother Luo. He should be more tired than me. I basically stay at the company, but he travels around a lot and is exposed to all kinds of weather.”
Bage actually made jokes.
Jiang Chen smiled.
"Luo Pengcai complained to me, saying that you are not close to him. If he heard what you said, he should be ashamed to death."
Bai Zheli smiled.
Jiang Chen stopped his smile and said, "I want to ask you something."
Bai Zheli nodded and said sternly: "Brother Chen, please tell me."
"Luo Peng said that An Xin Loan is this Are you in charge of the project?”
“Yes. Brother Chen, is there any problem?”
Bai Zheli’s face changed slightly and he asked carefully.
Since the establishment of the company, Brother Chen has acted as a veritable hands-off shopkeeper. He basically never asks about the company's operations. What's going on today?
Do you have any opinions on this project?
"Don't be nervous, I just want to understand."
Jiang Chen raised his smile again, put his hands together on the table, "You also know, I once borrowed a student loan, everyone We all encounter difficulties. I understand that you invested in this project out of good intentions. I have also read the plan, and the interest rate is..."
"Brother Chen, you think the interest rate is too low. "?"
Bai Zheli couldn't help but said.
Indeed.
What is the most important thing in doing business.
Benefits.
As for his investment in this safe loan, it is basically impossible to get a huge return.
“No, what I want to say is not about the interest rate.”
Jiang Chen could tell what Betsy was thinking at a glance, and said gently: “The annual interest rate of seven points, I think It’s very suitable. We are not a commercial loan, the users we face are students and the grassroots of society, and the purpose of the loan industry should be to save people in urgent need, not to take advantage of the situation.”
"Brother Chen, what you think is the same as what I think."
Bage said quickly, feeling very touched and at the same time, happy.
Although it is unkind to be rich and do business without treachery, in fact many people are not that bad at the beginning. It is just that on the way up, they gradually only care about their own interests, and thus slowly lose their Got the original intention.
Fortunately, Brother Chen is still the same Brother Chen he knows.
“How many cities has Anxindai been launched in now?”
Jiang Chen asked.
“About forty.”
“Are they all third- and fourth-tier cities?”
“Well, almost.”
“User How many people are currently registered? ”
"Six hundred thousand people."
Bage picked it up casually, obviously familiar with all the data.
Six hundred thousand people, each person borrows one thousand, which is 600 million.
Of course.
Registered users and actual borrowing users are two different things.
Before Jiang Chen asked, Bage took the initiative to introduce: "Brother Chen, although there are not many registered users, the conversion rate is very high. Currently, 80% of users have borrowed money on the platform. Because of our The loan amount and interest are not high, so there are no bad debts for the time being.”
Six hundred thousand people.
Eighty percent.
That is to say, there are more than 400,000 actual borrowers. According to this number, even if it is conservatively estimated, the external loans will definitely exceed 100 million.
“How many cooperations are there in total?”
Jiang Chen asked.
“Four.”
Bai Zheli adjusted his glasses and said, “Brother Chen, now that the country has begun to strengthen the control of online loan platforms, the funds available on our books are limited. So the largest The employer is the local bank.”
Jiang Chen was not surprised at all when he heard this.
After all, Tianci invested in this project and only spent five million.
“What if we bypass the bank and do it alone?”
Jiang Chen asked calmly.
Bage was slightly startled, "But Brother Chen, we don't have that much money on our books at all."
That's what investment companies are like.
In the early stage, you spend a lot of money, and only after a certain period of time can you see the feedback.
"And the benefits of this project are meager. If a large cost is invested, I'm afraid..."
Even if he really wants to do a career that is beneficial to society, Bage understands his identity and position. No matter what, he still has to The company's interests come first.
Jiang Chen smiled, without comment, and suddenly changed the topic.
"Xiaobai, I heard from Luo Peng that one of your classmates ended up going to extremes because of online loans?"
Bai Zheli nodded, his expression becoming a little gloomy.
“Brother Chen, I don’t know whether you know it or not, but the current Internet finance is really confusing. There are all kinds of online loan platforms, some of which are naked loan sharks. Not only my classmates, but also I know how many people are suffering from this."
"So you invested in this project to change the situation?"
Jiang Chen looked at him and asked.
Bai Zheli was silent for a moment, "Brother Chen, how can I have such big ambitions? This is a matter of the country."
Jiang Chen smiled.
"We have lived together for so long. I still don't understand what you are thinking. You have a righteous heart and are very noble. You should be proud of it. There is nothing to hide."
"Brother Chen, you Just don’t bury me.”
Bai Zhili smiled bitterly, but he didn’t deny it anymore.
It would be fine if he was just an ordinary person. Now that he has this ability, he really wants to do something for this society.
Of course.
He is self-aware and has no delusions about doing anything earth-shattering. However, if everyone can contribute their own strength, even if it is very meager and accumulates into a mountain, this society will become more and more beautiful. good.
"I'm not trying to seduce you, I'm telling the truth."
Jiang Chen smiled warmly, "Actually, I have always felt that you are a gift from heaven, and you are really unworthy of your talents. You should go to the government "Brother Chen, you called me here just to tease me, right?"
Bai Zheli looked helpless.
"Okay, let's get down to business."
Jiang Chen cleared his throat and said solemnly, "How much money is left on the company's books?"
"Seven million." Bage replied quickly, There is no pause.
“So few?”
Jiang Chen raised his eyebrows.
In Las Vegas, Li Shurui asked him for $50 million.
"Brother Chen, go to my office."
Bage stood up.
“What?”
Jiang Chen asked subconsciously.
“Look at the company’s accounts.”
Bage was serious.
Jiang Chen smiled, "Why are you looking at the accounts? It's not necessary. I'm not trusting you."
He pressed his hand.
“Sit down.”
Bage sat down again.
“Anxindai currently has many users, but with such a small investment, the prospects are destined to be limited. There are so many loan platforms on the Internet, and if you really want to improve the chaos of online loans, it may not be enough.”
"Brother Chen, I really don't have that big ambition..."
"Do you want to watch tragedies like your classmates happen again?"
Bai Haoran's tone paused.
“Jieyoudai, I don’t know if you have heard of it. This loan software is what you call a loan shark. Its interest rates have reached appalling levels. Once you borrow money on it, users will fall into the trap. The abyss is beyond redemption. I once saw a girl, a famous college student, who ended up having to go out for a drink because she borrowed money from it..."
"Why didn't you call the police?"
Belzheli? He couldn't help but say that in fact, he had always been confused about this.
Jiang Chen was silent for a moment.
“Xiao Bai, not everything can be solved by calling the police, and not everyone is willing to call the police.”
Bai Zheli, who had been staying in the company, looked at Jiang Chen, quietly Come down.
Same.
From leaving school to joining Tianci, he has not experienced too many dangers.
But there is a truth that he at least understands.
The world is full of colors and is not black and white.
Good deeds will be rewarded with good deeds, and evil deeds will be rewarded with evil deeds. This is just a beautiful vision.
The emergence of so many online loan platforms that violate regulations and repeated bans is enough to illustrate the problem.
"Anxin Loan covers 40 cities and 700,000 people, but there are as many cities in the country as there are people."
Bai Zheli continued to be silent, but looked at Jiang Chen, There seemed to be a vague guess in my mind.
"Xiaobai, if we develop Anxindai nationwide, how much capital do you estimate will be needed?"
The eyes met.
Even though he had expected it, Betsy was still shocked by the other party's thoughts.
"Brother Chen, you are saying that you want to expand the scale of Anxin Dai? Brother Chen, the profits of Anxin Dai are very limited, so it is not cost-effective at all."
Jiang Chen smiled.
"The profit is limited because the user base is limited. Your current actual users are more than 400,000, and the profit is certainly not high. But what if the user base is expanded? For example, to 4 million or 40 million..."< br>
Bage's pupils dilated.
"But Brother Chen, it's simply impossible. If we want to promote it nationwide, the meaning will be different. By then, banks may not cooperate with us."
"Who said I want to cooperate with a bank?”
Jiang Chen’s smile remained unchanged, making it hard to tell, “You only need to give me some data on how much total investment is needed to promote Anxin Loan nationwide.”
Belzheli raised his glasses again and saw that Jiang Chen was not joking.
"...Brother Chen, I can't answer you now. I have to ask them to do actuarial calculations to get the answer."
Jiang Chen smiled and nodded as if nothing had happened, "Go ahead."< br>
Bai Zheli looked at him intently for a while, then stood up, "Brother Chen, I'll go and get busy first."
"Yes."
Betsy left.
Jiang Chen turned his chair and looked at the high-rise buildings outside the floor-to-ceiling windows.
He originally planned to cooperate with Geng Long to formalize Jieyou Loan, but Geng Long did not appreciate it.
So we can only take another approach.
Since it is impossible to "lead evil to good", the best way is to use the laws of market economy to defeat loan shark platforms like "Jieyoudai".
Compared with the negligible interest rate of Anxin Dai, it is obvious what users will choose.
Once Anxindai is promoted nationwide, under the squeeze of such low interest rates, there will be a storm in the loan industry, not to mention loan sharking platforms like "Jieyoudai", even other loan software, all of them will Become a bud that has lost its soil and become ashes.
This ending is a destined result and does not require a good business acumen to analyze. The reason why no one has implemented it is because no one has the strength and determination.
The core competitiveness of Anxin Dai is an interest rate that is lower than the market. To put it bluntly, it means harming others but not benefiting oneself. How can a qualified businessman do such a transaction.
Moreover, no matter how much wealth is invested in anything else, it is probably better than doing this business.
certainly.
The bank originally had this capital.
It seems to also have this responsibility.
Sadly.
Since its birth, banks have served the rich. They always look down upon ordinary people and cannot see the suffering of the people.
Jiang Chen was not kept waiting. Bage's team was very efficient. Based on the current development situation of Anxin Loan, within three hours, Bage knocked on the door of Jiang Chen's office again with the report.
"Brother Chen, this is the result of our calculation."
He walked to the table and handed over the result of careful calculation.
Jiang Chen took the report and read it.
“Sixty-four and seven billion?”
Jiang Chen didn't seem to be frightened by this exaggerated number. On the contrary, he smiled easily: "So accurate?"
Bai Zheli stood in front of the table and said seriously: "This is still a conservative estimate. Once the whole country is used as the market, the individual The loan limit will definitely increase from the current level. Brother Chen, where can we get so much money? And it’s really not worth it.”
Jiang Chen continued to read without comment, “Don’t worry, it’s money. If it's not enough, I won't let you figure it out."
"Brother Chen..."
"Okay, I'll take a look, go ahead and do your work."
< br>Bai Zheli hesitated to speak. He looked at Jiang Chen who lowered his head to read the report, and finally said nothing more.
"Brother Chen, I'm going out first."
"Bang."
The office door opened and closed.
After reading the report, Jiang Chen raised his head and let out a sigh of relief.
More than sixty billion.
Don’t mention Tianci Capital.
Even if CX Entertainment and K.E Fashion Group are added, they can’t come up with it.
Unless all these properties are sold.
But of course this is impossible.
Jiang Chen pinched his eyebrows.
This is for the country and the people.
Not for selfish desires.
So.
No need to have any psychological burden.
(End of this chapter)