Chapter 3 Personal Banking System
Lie down.
thinking.
moment.
He thought of that scale. If the strangest thing he has encountered over the years is that scale, now that he closes his eyes, he can no longer see it.
Is it.
Is that really the thing?
Forehead!
If it is true, he has made a lot of money, even if there is no other benefit, just going back to the past, Tang Qing is very satisfied, he who has lost everything.
without losing.
It is already happiness, as for more, it is an extra surprise.
. . .
gradually.
Tang Qing thought about the future.
Sadly.
Next year, he will have to go through the college entrance examination again. He has no extraordinary IQ. He knows him, but he doesn't know the question.
Fortunately.
There are still eight months before the college entrance examination.
Um!
Gotta make an effort.
Went to the same university as Lin Jiaxue.
Let's spend this youth with regrets together and realize the longing of our youth.
certainly.
Making money is a must.
The Tang family is not a wealthy family.
Both parents used to be workers in a textile factory. After the factory closed, the two were laid off. After that, I rented a shop on the street of my home county.
Sells off-brand clothing.
Get out early.
return late.
Just to make a little more money.
Ten years as a day.
Throughout the year, except for two days off on New Year's Eve and New Year's Day, there is almost no free time. Every month, I pay my aunt 500 living expenses.
And fifty is his pocket money.
The money.
Compared with the standard of living in my uncle's house, it is obviously not enough. My aunt often buys clothes and supplies for him, and also gives him more pocket money.
Don't let him talk to his parents.
therefore.
all the time.
Tang Qing is very grateful to her uncle's family. In fact, the old couple has been tired for more than ten years.
pity.
Do the math.
Not a day.
two years ago.
Grandpa fainted while farming, and was taken to the hospital where he was found to have a terminal brain tumor. As the only son in the family at that time, of course he was responsible for all expenses.
actually.
Father has a younger brother.
It's just that when he was young, he seemed to have done something and fled to another place without a trace. Tang Qing didn't know what was going on, and Tang's father didn't say anything.
after.
Grandpa's illness almost used up the family's savings, and finally passed away without persisting for a few months.
same year.
Grandma passed away.
family grief.
next April.
It was the first time he saw his father's brother, his second uncle Tang Kai, but at that time his second uncle seemed to be hiding.
I met them in a hurry, ate dinner and left.
From now on.
No more news.
Tang Qing couldn't help but feel sad when she thought that her parents were tired and didn't enjoy any blessings in their whole life.
this life.
He must make a lot of money, so that the people he loves and those who love him have a good life. Tang Qing silently swore in his heart.
immediately.
Start thinking about how to make money.
Forehead!
Headache.
He is just an ordinary person who goes to school, works hard, and occasionally plays games. He doesn't have any special talents.
programming, no.
Song, can't remember.
Stocks, no impression.
Lottery, what is that?
"..."
In retrospect, it seems that apart from various experiences of being "beaten" by society, there seems to be nothing that can make him earn money in a short period of time.
wrong.
Stocks do have a chance.
but.
That was half a year later.
And just for those two or three stock dark horses, the bull market in 2007 is still a long way off. Buying a house without starting capital, investing in a genius?
cut!
The big guys are up.
Ali.
penguin.
One by one, they have survived the most difficult years.
scratching his head.
Tang Qing suddenly found that for a while, he really couldn't think of any way to make money quickly, and he didn't have time for the White Wolf project.
"..."
have no choice.
really.
Ordinary people who are reborn also have to be 'beaten up' by society. Regardless of whether you are reborn or not, even if you are a normal person, you will be beaten to the point of crying.
Whoa whoa.
Take out your pocket.
A mold.
Take out a handful of money, there are zeros and rounds, eleven yuan and thirty cents.
"Ah!"
Tang Qing smiled.
really.
This is the reality of the reborn. Looking at the crumpled pieces of money, Tang Qing couldn't help but sigh, "How difficult it is to make money, it would be great if you could print money."
suddenly!
"Banking system at your service!"
moment.
Tang Qing took a deep breath.
"Calm down."
"Calm down."
"These days, this realm is not allowed to become refined." Then, he tried to communicate with the voice, and gradually accepted the account that had just arrived.
Still hot gold fingers.
——
Banking System!
Briefly.
It is related to the bank, but it is not like spending money and wanting to be beautiful, but it is similar to running a banking business and training him to become a banker.
loan.
collection.
experience.
certainly.
Money is provided by the system, and the loan amount can only be borrowed, not consumed. For each loan, the system charges an ultra-low interest rate of 0.5% per month.
Do the math.
Six percent annual interest.
someone asked.
six?
so tall?
The interest rate is higher than my mortgage. If you ask such a question, there is a high probability that you have never been beaten by the society. This interest rate is simply conscience.
and.
There is no rule that only 6% of the annual interest can be loaned out. If it exceeds the amount, the money earned will be Tang Qing's own. Thinking of this, Tang Qing beams with joy.
in the system.
The loan is divided into two parts.
First.
foreign.
This part of the money, Tang Qing, cannot be used, and can only be loaned at an interest of 6% a year.
. . .
second.
to him.
No interest is charged, but each year, on October 1, the annual liquidation requires all personal loans for the year to be repaid in one lump sum.
Can't be in advance.
Can't be in arrears.
If it is still unclear, the system will say goodbye to him.
. . .
immediately.
Tang Qing closed his eyes and called up his personal information.
Name: Tang Qing.
Account Level: Level 1.
Experience: 0/100
This month's loan amount: 0/500,000
Personal quota this month: 0/100,000
Withdrawable assets: 100,000
Spirit: 51+10 (human body limit is 100)
Constitution: 49+10 (human body limit is 100)
Origin gas value: 10.
Obviously.
This month, I will borrow 500,000 RMB, and every 10,000 'completed' will be converted into a little experience value. And he personally can borrow 100,000 from the system every month.
-
Consumption.
-
invest.
-
Burned.
-
Throw coins.
It's all possible, no limit.
at last.
The Origin Qi value is a bit powerful. It is said that it can improve various functions of the human body. For a system on the sci-fi side, it suddenly becomes a bit of a fantasy side.
All right.
Besides accepting, what else can Tang Qing do?
. . .
last.
It is an extractable asset. The 100,000 yuan that has been lying down was not borrowed by Tang Qing, but given as a gift package for beginners.
No need to pay.
after.
every upgrade.
The system will reward the current level of personal quota for one month, that is to say, if you upgrade to the second level, the system will give you another 200,000 yuan to spend casually.
Be nice!
Looking at the 100,000 reward, Tang Qing was speechless.
There is a system.
is hanging.
before rebirth.
In addition to the compensation for his parents' car accident, his own savings were less than half of this. As soon as the system appeared, he almost blinded his 24K eyes.
One hundred thousand.
Small flowers.
Depend on!
This is still 2004, the purchasing power of 100,000 RMB is quite strong, and happiness should not come too suddenly.
. . .
Subsequently.
Tang Qing studied the system again, um, confirmed that there was no misunderstanding. To talk about a loan, he doesn't need to look for it by himself, and the system will give it.
Early.
To reduce difficulty.
per month.
It will provide a customer whose capital needs account for about 40 to 60% of the monthly external loan amount. It cannot be refreshed, but it is not necessary to lend.
But better not.
because.
recommended by the system.
The credibility is good, and the risk is too great to find it by yourself. If you don’t get it, the consequences will be very serious. At the first level, he can only sign a contract within one month.
Long-term loans are not available.
and.
Only by systematically borrowing money can you have experience. Personal loans and self-owned funds do not give you experience. You want to rely on other people's money to gain experience.
no way.
also.
It's no use in advance.
Only on the day when the contract expires can it be considered 'completed', and if the other party hasn't paid it back, the system doesn't care.
1st of every month.
Twenty-four o'clock.
System check.
In the previous assessment month, for all expiring contracts during the period, if the defaulted funds reach 20% of the total quota of the month in which the contract was signed.
deemed ineligible.
each level.
If you fail twice in a row, or fail three times in total, the system has to say: Bye.
for example.
This month is 500,000 foreign loans. During the monthly assessment, if the total contract amount exceeds 100,000 and has not been repaid, it will be judged as unqualified that month.
but.
Think of a way to control the risk.
for example.
2nd of this month.
Take out a one-month loan.
The No. 2 contract will expire next month, and No. 1 will definitely not be assessed, but will be assessed on the first day of the next month. If the operation is done, the risk is not considered high.
period.
Can find a solution.
. . .
at last.
Tang Qing concluded two points.
First.
The system recommends customers and must not be rejected. These people's repayment willingness and ability are extremely high, and they will not easily have bad debts and let them take the blame.
second.
Control the loan risk of non-referral customers.
Be careful.
Don't waver.
The future is bright!
This setting is not all, some problems will be gradually mentioned in later use