rebirth good people have good rewards

Chapter 84 Expansion of business?

In the next few days, more and more fund companies came to their door, and even a few foreign companies came, but they were all rejected by Chen Ming. In the end, he directly told the people in the company that in the future, all the people in the fund company Always say that you are not there, and you will not see anyone!

He knew it was because there are more and more users of Love Loan, and the growth rate is also fast, so it has attracted the attention of these capitals.

However, it is impossible for him to change the product positioning. He was lazy before. Since he is not short of money, why bother to cause so much trouble?Now he only wants to do charity and help those who really need help. He has no interest in business wars or anything.

Before, Chen Ming discovered that the system would not only give rewards based on specific things, but also according to the impact of his actions. Since the construction of the senior apartment, the rewards have been constant, and the amount is not small. It seems that the more people who know The more people affected, the more rewards there will be.

Therefore, the funding problem that he was worried about has long since disappeared, especially when he found out that after he repaid the loan to the bank every month, the system would immediately fill up the funding gap with more rewards, which made Chen Ming even outright The idea of ​​paying off the cost of the land and the bank loan at once, but fortunately, he is still rational and not so impulsive.

Otherwise, if he took out so much money all of a sudden, even if no one would find out that there was a problem with his source of funds because of the system, his behavior of taking out loans and buying land in installments before could not be explained.

So he simply invested all his money in Love Loan and Blue Sky Environmental Protection, and both sides accelerated their expansion. Zhang Feng and Gao Xue were so busy that they almost had no time to sleep, and the number of users of Love Loan continued to grow.

The first bidding in Province Z was very successful. With the endorsement from the environmental protection department, the companies participating in the bidding were relieved. Coupled with the attraction of low prices, more than [-] companies signed up for the second bidding. Although there are still no large state-owned enterprises, Chen Ming believes that this is only a matter of time.

"Mr. Chen, at present, our registered users have exceeded 5000 million, and the number of effective users who have used the loan function has reached tens of millions. It can be regarded as a firm foothold, but it may be because of our drive that now various large and small loans A lot of platforms have appeared, and they have taken away many of our customers.”

Li Menglin handed over a list with the names of dozens of online lending platforms.

Chen Ming took a quick glance. Several of these names were familiar to him. They were used in his previous life. On the surface they claimed to have low interest rates, but in fact they were surprisingly high interest rates.

"It doesn't matter, we can just stand firm on our own and ignore them." Chen Ming doesn't care about these online loans. Users are not fools. Except for those who want to make money and borrow money without paying back, the rest will sooner or later discover that love loans are related to their difference.

"Here are two suggestions from me, please take a look."

"Oh? What suggestion?" Chen Ming took the document. Not long ago, Li Menglin also proposed to enable the function of accepting deposits, but he rejected it. He knew that Li Menglin wanted to prove her ability, and at the same time, she really wanted the company to develop. It's better, after all, the love loan is run by her alone, so she naturally hopes to perform better and get options in the future.

Chen Ming has never spoken out about this, but he also knows in his heart that he must give certain benefits to those veteran employees in the future. Otherwise, who would be willing to work for you all their life but not have enough to eat?

It's just that the contact time is too short now, and he still needs to take a look.

"I got the news that Alipay has launched two functions, Huabei and Jiebei. Jiebei has the same function as our Love Loan, while Huabei allows users to use short-term services."

Chen Ming interrupted her explanation with a smile, "I know all of this. Give me a credit line, which can be used for daily consumption or online shopping. It will be interest-free within a month, right?"

"So you know it all!" Li Menglin looked happy. In her opinion, since Chen Ming is so clear about the business that Alipay has not yet launched, he must have considered the competition between the two parties. She immediately suggested: "I think We can also launch this function, and now that young people’s consumption is getting higher and higher, there is a great demand for this, and it will definitely be a huge market in the future!"

"No, we won't compete with Ali." Chen Ming once again vetoed this suggestion, "Ali has a behemoth like Taobao, which not only masters the consumption information of countless netizens, but also controls the largest online shopping payment portal in the country. It is impossible for us If you can't beat them, you might as well concentrate on doing your own business well. If you want me to say, your small and micro enterprise loan business is pretty good, so you can think about it."

Li Menglin thought that Chen Ming was afraid of going against a company of Ali's level, and wanted to persuade her a few words, but after hearing what she hadn't said, she swallowed what she hadn't said yet, and then explained her second suggestion .

"Now the country is beginning to encourage entrepreneurship, and there are so many small and micro enterprises. According to my survey, the Shanghai stock market alone can add hundreds of small enterprises every day. Although most of these companies may disappear soon, I believe that among them There will definitely be some who will come out and I think it's a good opportunity for us!"

Chen Ming nodded slightly. He carefully looked at Li Menglin's proposal and said, "The idea of ​​enterprise credit score is very good. Calculate the credit situation according to the business situation of the enterprise, so as to grant the loan amount, but use the equity as collateral."

He raised his head and looked at Li Menglin: "If you do this, wouldn't it be the same as venture capital?"

"I am worried that they will not pay back the money. This way can reduce our losses as much as possible." Li Menglin said truthfully: "And some start-up companies may be short of money in the short term, but they can bring us great benefits in the future. Return!"

Chen Ming nodded. He understood Li Menglin's thoughts. If he followed the way she said, he would indeed be able to get a part of the equity with very little money when many small start-up companies started. , it will definitely be a lucrative thing in the future.

This method is equivalent to combining the advantages of loans and venture capital. It can not only ensure that the borrowed money will not be unpaid, but also bring great benefits. From the perspective of making money, it is indeed a very good idea.

The only problem is that once you start to do venture capital, you must set up a risk assessment department, a professional financial team, etc. You know, it is very complicated to evaluate the value of a company and requires many professionals. It is definitely not a simple matter, otherwise why do those venture capital companies need so many people?Wouldn't it be enough to look at the company's ledger and transfer money?
Looking at Li Menglin's fiery gaze, Chen Ming fell into thought.
　Say the important thing three times, ask for a recommendation ticket!Ask for a recommendation ticket!Ask for a recommendation ticket!
　　


(End of this chapter)