章 95: Chapter 95. Online Lending Concept
When she decided to start a business, she did thorough research. First, she posted on Tianya Forum asking what projects are more profitable for college students to start a business. Tianya Forum is a place where many talented people from various fields are hidden. Ignoring some joking replies, she browsed through several comments that seriously answered questions and analyzed the business situation. One senior member replied to her that either enter the internet field or open a lending company for short-term lending. If she is brave enough, she can also try stock trading and futures. Although Tang Wan has never been in contact with the stock market, she has heard the saying that there is risk in the stock market and one should be cautious when entering. So she immediately gave up stock trading without hesitation. After some screening, she set her sights on the internet and short-term lending. After browsing several articles about the development trend of the internet, she suddenly had a bold idea. Can we combine the internet and lending companies to find customers and lend money through the internet? With this idea, she contacted her cousin who is studying in the finance department at Stanford University. After telling her cousin this idea, her cousin immediately applauded and decided to come back after graduation and do it with her. Tang Wan abbreviates internet lending as online lending. This secret is only known to her cousin, Gu Qingyu, and Lu Feifei. Lu Feifei is in the same dormitory as her, and now she has become her trusted confidant. Without her permission, she will definitely not tell others about this matter.
Could it be Gu Qingyu?
That's not right either...
Last night, the three of them had dinner together. After drinking, Gu Qingyu spoke her true feelings. She also said that she had a crush on Zhou Chen, but now she has completely given up. She hasn't even sent a QQ message to Zhou Chen recently.
Didi!
Zhou Chen sent a QQ message.
Tang Wan quickly looked at her phone.
[I just guessed!]
After sending this message, Zhou Chen's shock couldn't calm down for a long time.
He thought that only he could drive the times. Unexpectedly, Tang Wan also promoted a product of the times because of his influence.
Online lending was born in the Eagle Sauce country in 2005.
And the first domestic online lending company was born around 2007.
The real boom of online lending was probably after 2010.
In his previous life, Zhou Chen borrowed a lot of online loans.
At that time, there were countless online lending platforms of all kinds.
It's convenient, but the interest is also terrifyingly high.
Some improper online lending companies have poisoned many young people.
At this moment, Zhou Chen even wanted to stop Tang Wan from promoting online lending.
But on second thought, even if he stopped Tang Wan, with the development of the internet, the online lending industry will still rise.
Rather than stopping it, it's better to support it.
Let her make this online lending company bigger and stronger, become the leader in the field of online lending, and then formulate the rules of the online lending industry.
Didi!
Tang Wan sent a message: [You are so amazing. Could it be that you have had this kind of idea too?]
The reason for thinking this way is that Tang Wan thinks that Zhou Chen can turn from a poor student to a top student within a month and be admitted to Jiangzhou University. This shows that Zhou Chen is very quick-witted. It is reasonable for him to have the same idea as herself.
Zhou Chen replied: [I did have this kind of idea before, but I think the risk is too great, so I gave up this way!]
Doing online lending in this era has both advantages and disadvantages.
The advantage is that there is no online lending company yet.
Tang Wan can enjoy this cake alone.
The disadvantage is that the credit reporting system is not yet perfect. Most ordinary families don't even have mobile phones. When the borrower runs away, where can we find them?
Tang Wan knew that Zhou Chen was reminding her of the risks in this business. Her slender fingers quickly edited the text and sent it: [High risk and high return. I think doing business is like gambling. Either bet small or bet big. Anyway, the funds I put in are not too much!]
Zhou Chen smiled helplessly, and then replied: [Okay, then I wish you success!]
He knew that Tang Wan must have started a business for his own sake.
This silly girl can play if she wants to.
Anyway, with himself holding up, he will definitely not let her fail in starting a business.
[Hehe, let's work hard together!]
Tang Wan replied happily.
Then she asked again: [How is your game studio going?]
[Very smoothly. It is estimated that it will start making profits next week!]
[So soon?]
Tang Wan was a little surprised, but she was happy for Zhou Chen in her heart.
It has only been about a week since the start of school.
Is Zhou Chen going from starting a business to making a profit too fast?
[Is it fast?]
[Yes!]
[Then do you like me being fast?]
[Like it!]
Just after replying to this message, Tang Wan suddenly looked up at Zhou Chen.
He...
Is he telling dirty jokes?
Haven't eaten pork, haven't seen a pig run, haven't heard of a pig?
Sister Qingxi and her best friend often tell dirty jokes.
What's fast and slow has another meaning.
Zhou Chen didn't look up, but Tang Wan could still see a naughty smile on the corner of his mouth.
[Big pig head, there's something wrong with you!]
Tang Wan's little face was burning hot, and a layer of pink appeared on her fair neck.
[What's wrong?]
The smile on Zhou Chen's face froze. He raised his head and glanced at Tang Wan.
Could it be that this little girl understood what he was saying?
[Humph, I won't talk to you anymore!]
Tang Wan closed the phone cover and waved her pink little fist at Zhou Chen.
On the other side sat several female classmates.
Suddenly, Guo Ziyu pulled the sleeve of a female classmate next to her and asked in a low voice, "Tongtong, how is the matter I asked you to do?"
"Ah... I'm sorry, I'm sorry... I... I forgot!" Wang Tongtong seemed very afraid of Guo Ziyu and quickly apologized.
"Humph, you don't take my words to heart at all!" Guo Ziyu stared at Wang Tongtong coldly, her pretty face icy.
"No... it's not... I... I'll go find him now!"
Wang Tongtong was so frightened that she trembled all over and said tremblingly.
Guo Ziyu withdrew her gaze and said indifferently, "Calm down your emotions first!"
Wang Tongtong took deep breaths.
It took a long time to suppress the fear in her heart.
Seeing that the coach's attention was on the classmates playing games, she then walked towards Zhou Chen with her waist hooked.
At this time, Zhou Chen was about to call Chen Xiaolong. He found the number from the address book and was about to press. When dialing the key, a petite and exquisite beauty suddenly squatted in front of him and said in a mosquito-like voice: "Classmate Zhou Chen... Can I have your QQ number?"
"Why do you want my QQ number?"
Zhou Chen looked at this girl in confusion.
It seems to be from Class Two.
Wang Tongtong blushed and said, "I... I asked for it for my friend!"
"Who is your friend? Male or female?"
"Female, but I can't tell you who she is for now!"
"I don't use QQ numbers!"
Zhou Chen refused indifferently.
Since it's not a classmate, there is no need to add contact information.
What if Xiao Wan'er gets angry?
With red eyes, Wang Tongtong was on the verge of tears and said, "Classmate Zhou Chen, please help me. Consider it as me begging you!"
Zhou Chen frowned slightly. When he looked up again, he found a bruise on the left corner of Wang Tongtong's eye.
She has been bullied!
So she was also forced to ask for his QQ number.
If he didn't give her his QQ number, she might get into trouble.
Thinking of this, Zhou Chen asked, "Do you have a mobile phone?"
Wang Tongtong's expression brightened: "I don't have a mobile phone, but my memory is very good. You can just tell me the number directly!"
Zhou Chen gave his QQ number to Wang Tongtong. His QQ number is a six-digit number applied for when he was just in his first year of high school three years ago. It's very easy to remember.
"Thank you!"
After thanking him, Wang Tongtong quickly left.
Zhou Chen looked down at his mobile phone, but his eyes were on Wang Tongtong's back. He wanted to see who wanted his QQ number.
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