In the afternoon, Zhennan.

Lin Nanchao drove to Hongling Road, Luohu, while Lin Qinghe sat in the passenger seat and thoughtful.

Since Lin Qinghe asked Lu Zhou that night, he has also found many friends to learn about this online loan.

But although this online loan has been around for two or three years, the transaction volume is really small. Most of the veterans who really lend money in society have never been exposed to this thing.

Unexpectedly, when they found out, Lin Qinghe, an Internet layman, found something. An old friend revealed to him that a company in Hongling, Shenzhen was looking for money and doing online loans. It is said that they also initiated "equity financing" on their official website.

It should be a company that is short of money and is nervous, Lin Qinghe thought.

I was going to come to Luohu early in the morning, but when I talked about this at breakfast, Lin Nanchao mentioned that the money he made was from the bottom of Hongling.

When Lin Qinghe thought about it, he simply asked his son to demonstrate the entire loan process for him.

So Lin Nanchao was driven over to the scene. Lin Qinghe thought that it was useless to talk about Lin Nanchao, but at least he could make his knowledge.

Lin Nanchao was unwilling to come, but after hearing his father say that he had to go to another company in Hongling to play. This second company, his father was planning to talk about making a chess and card game.

When he heard this, he became interested and followed him happily. "From the future, he will do this. What's the matter with the credit card accounts?" Lin Nanchao thought so naturally.

......

At the end of the Hongling Mountains, Zhou Shiping, who was over 100 years old, was lying on a lunch break in the small broken room at the original site of the company.

The room was cramped, but there were four upper and lower bunks.

After a while, he woke up, got up and sat by the bed, as if he was worried.

At a short while at noon, he dreamed of the scene five years ago. Zhou Shiping missed his daughter this time.

Five years ago, he suffered losses in stock trading and had debts of nearly millions. His wife couldn't stand it, and his daughter was still young and could not endure it with Zhou Shiping. Five years have passed since marriage and separation.

He had to have not seen his ex-wife and daughter for five years, he thought.

But life has ups and downs. Five years ago, he was alone and was so poor that he had to sleep overnight at the train station. Two years ago, he found out the way of online loans and started a new journey in this small and broken house.

Zhou Shiping himself is a stock investor at least, probably knows some financial businesses, but he knows nothing about the Internet.

There must be seven or eight employees working in the company's website business, but he doesn't understand, and the employees don't understand it very much. As a result, this will take a cycle of about seven or eight months, and it was not until the beginning of last year that it was officially launched.

In the past year 2008, Hongling has developed smoothly. After all, there are small things to do and big things to do.

But Zhou Shiping also understood that he was a bold person after all.

Hongling now relies on two sums of money to lend money, one is the capital invested by oneself, and the other is the money invested by netizens.

But online lending is a new thing now. Zhou Shiping has great ability and is also troubled by the conservative attitude of investing netizens.

The person who lends may be broad-minded, but the ones who come in with the money are different.

So, for Zhou Shiping, money is a big problem.

Two months ago, he thought about it for a long time and thought of "equity crowdfunding". So he asked the company's technician to post a notice on Hongling.

There are many people following the sound, but most of them are tens of thousands or tens of thousands of dollars to make small fuss.

Zhou Shiping would not refuse this time. It would be different if he had a small amount of money. With just a few more people, it would be different if he had to make up. Now, Hongling's "crowdfunding" can now be considered as the future shareholder of Hongling, but roughly, there are only 30 or 40 people.

And he was going to wait for more money, so Hongling should almost start the shareholding reform.

Zhou Shiping put on his coat, got up and walked towards the new company's address, and walked to the company. It happened to be two o'clock in the afternoon when he was working.

"Honey, there is a boss in the conference room who wants to ask about the situation. He looks like someone with some strength, who is coming to 600 in a Mercedes-Benz."

Zhou Shiping looked at his wife. After founding from Hongling, she was usually responsible for finance and rarely cared about other things. It seems that the boss here arrived in advance, and it was difficult to grasp the reception, so she could only come forward.

"How to say it?"

"It sounds like I have to do it myself, I'm here to inquire."

Zhou Shiping was unwilling to hear that, and he had to build from scratch, making it easy to talk. It might be fine to understand technology and finance, but the layman was like him and made a fuss for seven or eight months.

Since the boss is interested in this matter, Zhou Shiping is sure, and he can only make a lot of money.

"Okay. I'll go and talk."

When he opened the door, Zhou Shiping said enthusiastically, "Sorry, boss, I've been waiting for a long time."

While shaking Lin Qinghe's hand enthusiastically, he nodded to Lin Nanchao.

Lin Qinghe felt a little more at ease when he saw Zhou Shiping's appearance. After all, he was older, and if the person came too young, it would be difficult for him to understand it when he was really chatting. Zhou Shiping had to be forty years now.

"Hello, Lin Qinghe."

Zhou Shiping handed Lin Qinghe a business card, "Hello Mr. Lin, I am the general manager of Hongling. Just call me Xiao Zhou."

Lin Qinghe smiled and took the business card, "Where? Mr. Zhou is so modest. I heard from my old friend mention your company, so I'm here to understand some things. I'm a little interested in online loans."

Zhou Shiping said, "I wonder if Mr. Lin has a financial or Internet background?"

Lin Qinghe didn't answer Zhou Shiping's question, "Tell me about your company's general products and processes."

Zhou Shiping was not embarrassed and said with a smile, "Mr. Lin, this is no problem. Currently, Hongling mainly promotes small and short-term personal loans. We conduct an audit for each loan user. When the audit is passed, it will be displayed on the website in the form of [target]. Other investors on the Internet can invest in these targets.

Generally speaking, based on the qualifications of the loan user and whether there is a pledge, the interest rate of the loan is around 20%-30% annualized, and of course, some platform management fees will also be charged in the middle.

The general investment returns of investors are between 8% and 10%.

Lin Qinghe still smiled, "Mr. Zhou, no one with a discerning eye will say secret words. It's more than just that little profit."

Although the "borrowing money to make money" was enough to make Lin Qinghe's ears to make him moved, he didn't think that Zhou Shiping was done just like that.

After all, even if banks have bad debts, they can lend themselves and let others run away, let alone in this illusory Internet.

When Zhou Shiping heard Lin Qinghe's words, he thought Lin Qinghe knew some inside story. "In addition to this main promotion, our subsidiaries are also trying to make products with shorter cycles. Weekly reviews can reach 10%. Of course, there are a lot of troubles in technology implementation and have not been officially launched yet."

Lin Qinghe stroked his knees, "So, is this why you are looking for money?"
Chapter completed!