I'm reborn and I'm an international student again?

Chen Xi sat there looking through the documents, his facial expression changing constantly.

At first glance, this project seems to be extremely outrageous, but I seem to have seen something similar in my mailbox before.

Zhang Liheng's plan is very similar to the project in his previous life.

What is a time bank? It is actually a creative savings plan, which is also a social mutual aid project.

Promoting mutual assistance and cooperation within the community by storing and exchanging service time, especially in the field of elderly care services.

Time bank is a volunteer service incentive and feedback mechanism that allows volunteers to provide services to the elderly and record and store service time according to certain rules.

When volunteers are old and need help, they can extract time from it and exchange it for corresponding services.

This mutual-aid elderly care service model of "saving volunteer service time" can not only effectively reduce the pressure on children to support the elderly, but also improve the quality of life of the elderly, and play a positive role in enhancing family harmony and creating a happy society.

This project seems ridiculous, but it seems that several people have done it in the previous life.

On the surface, it seems that they are completely unprofitable, but there is still a lot of potential value generated by their cooperation with the community.

To put it simply, this project is a collaboration with a certain fund, has a certain money-making effect, and is also a good advertisement for external publicity.

After all, most people would want to know more about this kind of mind-blowing thing after hearing about it.

Don't underestimate the public welfare projects on the market, as they are the source of huge profits.

A certain Hong Kong tycoon (formerly known as a Justice of the Peace) appears in many movies and news.

The Justice of the Peace was originally associated with the Security Committee, which was responsible for preventing prisoners in prisons such as those in prisons from being treated unfairly or having their rights deprived.

Later it evolved into a system, which is similar to philanthropists in upper society.

Philanthropists are basically businessmen who can make a lot of money. They not only want to increase their fame, but also want to make more money.

As a result, public welfare funds continue to appear on the market.

This made Chen Xi think of the Young Returnees Association again.

When the association was first established, their purpose was similar to that of a time bank, which was to help returnees and international students.

But everyone has selfish desires. It can be said that they help when they want to, but don’t want to help when they are in a bad mood.

In order to encourage all association members to work hard and contribute, a reward system was created.

The emergence of Turtle Coin can be regarded as a kind of points.

Whether in ancient times or modern times, the profession of mercenary has always existed.

Taking money from others to help them get rid of disasters is the industry standard that mercenaries have always adhered to.

Since the Turtle Coin was issued, it has gradually been circulated in the market in an irregular manner.

It was originally the currency used within the association and between partners, and now there is a vague trend of linking it with virtual currency.

If the time bank is used in the association, volunteers can convert the service time stored in the "time bank" into Turtle Coins for storage and appreciation.

When the service needs to be exchanged, the Turtle Coins can be converted back into service time. This will provide volunteers with a more flexible and diversified way to store value.

In this way, the local overseas returnee associations that have been established across the country can be linked to the headquarters. And Turtle Coin will not become something that will be boycotted by the government like virtual currency.

As long as the liquidity of the currency is not as high as that of legal currency and it cannot be exploited by the gray industry, it will be strongly supported by the top leaders.

Of course, this is just an idea and it is still very difficult to implement it.

A few hours later.

"I don't agree!"

"I don't accept it either!"

"My project is so good, why don't you like it? Several previous rubbish projects have passed, why can't mine?"

"Your company just wants to plagiarize my idea. They deliberately did this today. After reading my plan, you want to use it privately to do it alone."

When Chen Xi finished looking at today's projects and was thinking about what to eat in the evening, there was a noise at the door.

The group of guys who were cheated did not leave in shame, but stood at the door and tried to fight for it again.

Some said they were fighting for it, but in fact they were just resentful. Some even felt that Chen Xi had ulterior motives for holding today's meeting.

"What are you arguing about? Plagiarizing creativity and ideas? Let me tell you, in terms of investment, creativity and ideas are worthless, do you understand?
Investors not only look at whether the project is feasible, but also pay more attention to the role you can play in doing the project. Simply put, if you take the investor's money, you are just an employee. As a boss, I look at your actual work ability, not your wild ideas.

Who wouldn’t want to?
What we need are people who can get things done.

When I was a kid I wanted to build a spaceship.

If you think your business and ideas are useful, why don't you do it yourself instead of coming here?
Hey, you will definitely say that starting a business requires start-up capital, you don’t have any money! ”

Chen Xi's words made the people at the door look livid.

They came here because they have no money.

Looking around and seeing no one speaking, Chen Xi continued, "Having a good idea but no money to start it is actually an excuse. If you don't have money, can't you take out a loan? I will teach you a way to get start-up capital for your business.

First, get a good individual business license and make some money to open a store. It doesn’t matter whether you make money or not, the important thing is to make the cash flow look good.

If you can't get cash flow, use your brain. You can apply for merchant loans after the store has been open for a few months. Now the government says that it will support small and micro businesses, and the policy is still good. Most business loans require a mortgage, so you can find a loan assistance company to find a way. Then you can apply for loans from all major banks and you will have millions in your hands. After you get these loans, you will have money in your hands.

The second step is to transfer the ownership of a company with specialized qualifications and a certain scale of invoicing and tax payment. Spend a little money to make a seamless transfer. If it fails, wait a few more months. After the transfer, use this company to apply for a science and technology innovation loan, which is also a loan product supported by the policy. The amount is almost several million.

Using the same trick, you can apply for loans from all banks that offer science and technology innovation loans, and you will have at least 20 to 30 million yuan in your hands. Don’t you think your projects are great? If they really have commercial value, the money you earn will definitely offset the loan interest, so what are you afraid of?
The reason you came to me is that you want to get something for nothing and transfer the risk of your own loan to me.

If your project is really good, then I will invest in it. Look at what you have come up with, dream architects, personalized nutrition customization machines, environmental adaptive clothing, taste memory restaurants, what the hell is this..."

Chen Xi's words made everyone present blush.

"Okay, I have taught you how to get start-up capital. If you really think your project is good, then go ahead and do it yourself." Chen Xi waved his hand and asked someone to see the guests off.

After the group of people left, Yin Anwei immediately came over and said, "Brother Xi, is what you just said true?"

"Of course it's true. The cost is about tens of thousands of yuan. Even if you can get tens of millions, it's still not enough. These loans plus the service fees of the loan assistance company, plus the cost is about 5%-7% annualized, but it depends on how much money you are prepared to make. If you can't even offset this little interest, then it can't be considered a big money-making project." Chen Xi smiled.

He had been in the lending business before, so he was very familiar with how to make money. This method was still useful even after more than ten years.

It is now 11, and many businesses are making huge profits, so it is not difficult to offset the interest on bank loans.

If this is put into perspective more than a decade later, the annualized cost will have reached 7%-12%. Therefore, investing involves risks, and it is better to be cautious.

Feng Yun once said that a bank is like a pawnshop and it is very difficult for ordinary people to get a loan from it.

This statement is actually both right and wrong. Why is it right and wrong? He said that the bank's model is old and there is nothing wrong with it, but the following words are just flattering himself. And he said this to people who have no experience in loan.

In terms of formality and loan interest rates, the bank's products are actually the best. Of course, this does not include some special fees.

It is said that there is no barrier to online loans. Feng Yun said that he can make everyone have the opportunity to get money. But if you take out a loan from him, you will find that the fees are higher than those of a bank. This is not just for him, but for the entire online loan industry.

In other words, Feng Yun's products allow people without any financial knowledge to obtain loans, but people who know the business will not choose his products because the interest rate is high and the repayment plan is unclear. After all, Feng Yun uses the bank's money to lend, and if the interest rate is lower than that of the bank, he will not make any money.

At night, Hilton Hotel.

"Mr. Chen, it's a pleasure to work with you."

"Hahaha, happy to cooperate."

In the box, Chen Yifeng and the Xu family clinked glasses.

Of course, Chen Yifeng, who doesn’t drink alcohol, drinks fruit juice instead.

Even if a big boss like the Xu family was there, he didn't give them any face at all.

In Chen Xi's memory, there were only a few times when he saw his father drinking at the dinner table.

"Mr. Chen, the first cooperation ended perfectly, which proves that local entrepreneurs and foreign entrepreneurs can achieve win-win cooperation."

"Mr. Xu, the Tomorrow Square project has not been completed yet. The leader does not want us to build houses, but to revitalize the square. In other words, waste utilization can boost the nearby economy."

"I understand this. It's a university town. Wouldn't it be nice to have some projects to attract college students to spend money?"

"No, no, no. The leaders want to make Tomorrow Square a landmark commercial street for the entire district, so as to attract people to invest in the construction of this area. College students have no purchasing power and can only bring popularity. In the future, there will not only be a university town here, but also other schools and large residential areas..." Chen Yifeng explained in front of the Xu family like a teacher.

But how could the Xu family not know such a simple truth?
The Xu family has now discovered Chen Yifeng's personality traits. You let him talk about showing off his knowledge and gaining a sense of superiority, which is flattery. When Chen Yifeng is in a good mood, you may succeed in talking to him about anything.

After all, there is a reason why the Xu family can make so much money.

He understands people's hearts very well and knows exactly what others want.

After Chen Yifeng had finished enjoying himself, Xu Jia finally spoke up: "Mr. Chen, I have to remind you. After this year is over, life may not be so good anymore."

"What do you mean? Didn't we just arrive this year? Why are you talking about next year's matter?" Chen Yifeng looked confused.

"It's nothing. The business world is ever-changing. If the leader allows us to build Tomorrow Square this time, he may let us build something else next time. In front of the leader, we must obey orders, but we businessmen must also consider our own interests..." Xu Jia said vaguely, and Chen Yifeng was even more confused.

But even though you don’t understand, you still have to pretend to understand in front of others.

People like Chen Yifeng who like to pretend naturally cannot avoid it. He nodded, as if he agreed with what the other person said.

"Mr. Chen, Yang Dingtian has a grudge against Chen Shubao, and you have a grudge against Shi Danai. I am a special character sandwiched between you..."

"Humph, I never took Shi Danai seriously. He came to Xinlu to make a fool of himself. I heard that he is now trying to get into an oil field. Is that something he can do? There are games, fake medicine, and some kind of health wine. I don't even know what he is doing. He doesn't look like an entrepreneur at all..."

"Haha, that... look at the building of our Hengxiao Group in Xinlu..." Xu Jia smiled and turned the topic to the city's new landmark.

"Let's not talk about this for now. I heard that your daughter is also studying abroad. She is back now, right? You said that foreign countries are so good, why do these children want to come back? In recent years, many rich people have chosen to immigrate. It is not safe to keep their money in China. Isn't it nice to live a carefree life abroad? My disappointing son actually said that those who go abroad in the future are poor people, and rich people can live well anywhere. There is no need to go abroad. It is simply ridiculous. How much money has he spent in all these years abroad? Can poor people afford to go abroad?"

"There's nothing we can do. Young people nowadays want to come back and work hard. They think they are capable. Without the help from their families, they are actually worse than ordinary people. Think about how poor I was before..."

The Xu family and Chen Yifeng were both poor before, that is, they were born in grassroots families, and they achieved class leap by relying on a rich woman. They looked down on the children of rich families, including their own.

When the two losers who had successfully counterattacked talked about their own history of making a fortune, they both deliberately concealed the fact that they relied on women to get rich. Chen Yifeng and Xu Jia kept bragging about how capable they were and how much money they had made in the past by relying on some clever tricks. The more they talked, the more excited they became.

"I think Chen Xi is also a handsome man. When he spoke on TV last time, every word he said was powerful and not inferior to any of the bosses. My daughter is also good-looking and has a good personality. Why don't we..." As the Xu family was chatting, they wanted to arrange a marriage.

As for his daughter, although the Xu family loved her very much, they only satisfied her materially. If his daughter could complete a business marriage and take Hengxiao Group to a higher level, he would fully support it.

"I can't control my boy. I told him not to return to China, but he came back on his own. Oh, it's a headache..." Chen Yifeng pretended to be helpless.

How could he not know what the other person was thinking?

Between two old foxes, either you cheat me or I cheat you, how can there be any peaceful marriage?
One month later, Huajing.

“This situation reminds me of the last financial conference.”

"Haha, I wonder what big news Mr. Feng is going to announce this time."

Feng Yun stood at the entrance of the venue and shook hands and greeted Chen Xi.

"To be honest, I no longer regard you as a young person, because young people are simply not as brave as you are. You actually dare to speak the truth in a meeting." Feng Yun stared at Chen Xi.

He was not talking nonsense. It is said that young people are brave, but they are timid when they should be brave, and rush forward like brainless when they should not be brave. But the young man in front of him is completely different.

"I was impulsive at the moment and didn't dare to say it at first. But when I saw President Feng bravely standing up, I felt that I had to say a few words. Otherwise, if everyone is telling lies, is there any need to hold this meeting?" Chen Xi flattered him at the right time.

"Yes, that's what I thought. It's just like going to court. We must have loyal ministers to give advice. If we just keep telling lies to fool the higher-ups, sooner or later everyone will be doomed."

Feng Yun was full of righteousness, as if the matter was really true.

However, Chen Xi knew that telling the truth was one thing, and the other was actually to create a persona. That is, to win the favor of the lower-class people on TV and say something they like to hear, so as to increase their support for Aba Aba and himself, which could be considered a form of advertising.

During this period, Feng Yun liked to use this method and appeared on TV screens frequently. However, other entrepreneurs were a little reluctant and felt that it was not good to be in the spotlight.

But this phenomenon has undergone tremendous changes after more than ten years. Many bosses have shown themselves on Tik Tok, using Feng Yun's method to expand the company's publicity. It also indirectly shows that it is becoming increasingly difficult to run a business, and the boss must show up in public to save the company's predicament.

Compared with someone like Feng Yun who is eloquent, other bosses seem a little tongue-tied. What should they do?

These people then took the funny route. Imagine a big boss acting like a fool in front of others, which can easily attract other people's favor.

The audience will think that this boss is approachable, and although his gestures may seem dull, they can still make them laugh.

Think about it, you go to work for a few hours every day, get scolded by your boss at work, and go home tired as a dog. When you open your phone and see your boss talking to you like a comedian, will you feel better?

"So what exciting things does Mr. Feng have planned this time?" Chen Xi asked back.

"How exciting? It must be more exciting than last time." Feng Yun looked around and replied while covering his mouth with his hands.

"Oh? I'll have to wait and see. By the way, didn't Mr. Feng stay with our president before? Why did you come here alone today?"

"Don't mention it. I just said it. Young people nowadays are too timid. He said he was busy today, but I know that's an excuse. He is just timid inside and afraid that what I said will affect the Overseas Returnees Association, so he deliberately made an excuse to stay away from me."

"Mr. Feng, I advise you to talk less. Although you are a big boss now, there are still people you cannot afford to offend. Don't be too direct. You can say what you want to express in a different way. Don't try to make everyone understand what you mean. Those who understand will understand. Even if a stupid person understands, what can he do?"

"You said that as if you were a big boss. I just praised you for your courage, but now it seems that you are nothing special."

Many people think Feng Yun has high emotional intelligence, but Chen Xi, who has had many dealings with him, thinks otherwise. One manifestation of high emotional intelligence is that he makes others feel comfortable, and he also feels comfortable. But Feng Yun has more enemies than friends in the business world, which is obviously not a manifestation of high emotional intelligence.

At most, he is like Chen Yifeng, that is, he thinks he is strong and doesn't care about anyone. When he meets someone stronger than himself, he can only bow his head.

"Hey, I know what you're going to say. I advise you to change your speech."

"You know what I'm going to say? Hahaha, do you think you're a prophet?"

Hearing this, Feng Yun smiled disdainfully.

After Chen Xi left, he murmured to himself: "You know what I'm going to say. Young people nowadays are so self-righteous."

"Hey, isn't this Mr. Feng? Are you standing here waiting for someone?" Suddenly, someone patted Feng Yun on the shoulder. He turned around and saw that it was Chen Yifeng.

Although he had just finished chatting with Chen Xi, he did not reveal anything, but greeted him with a smile: "Mr. Chen, you never come to this meeting, why are you interested in coming today?"

"I see you guys go up and say a few words every time, and I can't help it either, hahaha." Chen Yifeng said as he secretly touched the speech manuscript hidden in his clothes.

"Oh, Mr. Chen is going to speak on stage. I have to greet my friends and support you when the time comes."

"No, no. I just want to say a few words to satisfy my craving. But Mr. Feng, what I saw you say at the meeting last time was too offensive. I advise you to restrain yourself this time. This is Huajing, not your martial arts world. You have to be tactful when speaking. Otherwise, anyone who comes out from above can make you... Hey, there is a saying that goes, "A tree that stands out in the forest will be destroyed by the wind!"

After being repeatedly criticized by both the father and son, Feng Yun became even more unconvinced.

After hearing what Chen Xi said, he had planned to revise his speech, but after hearing what Chen Yifeng said, he immediately changed his mind.

What's wrong with Huajing? I am now the national e-commerce leader. Is there anything I can't say?
Although Feng Yun was unhappy, he still kept a smile on his face: "Haha, Mr. Chen. I just saw that your son is here too. He is also going to speak on the stage. This young man is definitely more sharp-tongued than the rest of us. You should be more concerned about him."

Chen Yifeng's face immediately turned cold when he heard that. He looked around, but he couldn't even see the shadow of Chen Xi.

"He has already gone in." Feng Yun pointed inside the venue with a wicked smile.

Seeing this, Chen Yifeng nodded and walked inside.

"This father and son are exactly the same. Who do they think they are? They even come to teach me..." Looking at the man leaving, Feng Yun shook his head.

PARKING LOT.

A Mercedes SUV slowly stopped and a man in his forties got out of it.

Compared with the bosses who came this time, he doesn't look like a businessman at all.

The executive jacket, leather shoes, badge, and briefcase seemed to indicate his identity.

Wearing an executive jacket and driving a Mercedes, especially a GLE, is a bit strange no matter where you put it.

But in a place like Huajing, anything could happen.

The bosses near the parking lot glanced at the man inadvertently, thought he was a stranger, and then looked away at the same time.

"Leader, why did you drive here by yourself? For such a big meeting, you should have someone pick you up." At this time, a young man trotted up to the man.

What he meant was that driving this car here seemed to have a bad influence.

But the man waved his hands and said as he usually said, "My family is rich, so I can buy any car I want."

"What's wrong with driving here? Hurry up. If you guys keep dawdling, you won't even know what time it is when you get to the meeting."

Looking at the man in front of him, the young man didn't know what to say for a moment.

It is said that there are thousands of leaders in Huajing, but it is rare to see one so young sitting in this position. (End of this chapter)