Chapter 1567: Days Without Brother Pao (Happy New Year's Eve!)

Ma Yun guessed what Li Dong was doing, but Li Dong remained silent.

Including the distance, the same is true.

After obtaining the consumer finance license, Yuanfang did not promote anything.

Ordinary people actually don't understand what this means, let alone pay attention to it.

Yuanfang got the license plate, as if nothing had changed.

However, Yuanfang Financial Company increased its registered capital at this time.

Originally, the registered capital of Yuanfang Finance was not too high, but this time, Yuanfang increased the registered capital to 2 billion.

To increase the registered capital, you need money.

On Yuanfang's side, there is not much money now, and in the end they scraped together and managed to scrape together enough money. For this reason, all the little wealth accumulated by Yuanfang during this period of time was thrown into it.

Now, Yuanfang spends every penny, leaving no spare money.

Of course, it doesn't mean that the money will be gone if it is injected into Yuanfang Finance. The money is still there, but it is injected into Yuanfang Finance from the holding company.

With a registered capital of 2 billion, Yuanfang is the highest among the four licensed financial consumer companies.

Even Bank of China Consumption has a registered capital of only 500 million.

In fact, the giant Bank of China behind the consumer finance of the Bank of China does not care too much about the consumer finance business of the Bank of China, because the bank itself actually includes the consumer finance business.

They do these, mainly for the pilot and watch the market.

Of course, it is inevitable to exclude the thoughts of competitors.

There are only 4 licenses in total, and their banking system has won 3. In this way, there will be fewer new competitors.

Local banks are quite concerned. After all, local banks have large limitations and strong competitiveness. After obtaining a license, they can cover a wider range.

Yuanfang won the license and expanded its registered capital.

At this time, it looked calm and calm, with no mountains or dews, but many people in the industry knew that there was going to be some action in the distance.

With a registered capital of 2 billion, if the leverage ratio reaches 5 times, Yuanfang can achieve a scale of 10 billion in consumer finance!

Today, among Huaxia's banks, many local banks have not achieved a scale of tens of billions in this area.

In the distance, a private enterprise has such a big ambition, which is beyond many people's expectations.

Does the field of Internet consumer finance really have such a big market prospect?

This is not Internet finance, but the field of consumption, or the field of consumer loans on the Internet. Is there such a large space?

With some uncertainty, everyone could only choose to wait.

At this time, there is no better way for everyone than to wait.

Even for banks, since the China Banking Regulatory Commission has chosen a site to issue a license to Yuanfang, it means that the upper management is also doing it with the idea of ​​giving it a try, and wants Yuanfang, a promoter of Internet finance, to give it a try.

Can Internet finance bring some changes to China's economy?

This kind of change, using Yuanfang as a pilot, neither lacks influence, nor will the failure of Yuanfang's family eventually lead to the collapse of the entire system.

...

Li Dong doesn't guess what the top management thinks.

He didn't want to guess either.

In short, once Yuanfang got the license, everything will become legal and compliant, and that's enough.

At this moment, Li Dong is on a private plane flying to the capital.

Today, on the 9th, I have agreed to go to the capital to attend the door-to-door banquet. This cannot be missed.

The license was issued yesterday. Last night, Li Dong had been thinking about a very important question.

I have obtained the consumer finance license. Next, my Vancard will launch the personal consumption loan business. What should I call it?

Pay and borrow?

While thinking about this question, Li Dong wondered whether he would be scolded to death in the future.

I got a license in advance and launched an online loan business. In the future, someone borrowed too much money and couldn't pay it back, so I had to scold myself.

But Li Dong turned his head and thought that he was doing this for everyone's benefit.

Vancard was the first to launch this system and formalized it.

In the future, it will be difficult for some online loan platforms to mess around. After all, Wankaka has low interest rates and strong credibility. Everyone’s first choice is Wankaka.

In this way, can the naked loan incident be avoided to a greater extent?

When he thinks that he is working hard, fighting and changing for the ignorant people in the future, Li Dong feels that everyone should not scold him, and he is also for their good.

Of course, it would be best to use the money from these loans for shopping in Yuanfang Mall and Yuanfang Supermarket.

The money eventually flowed back to Yuanfang Group.

The money flowing out from the financial company using leverage was finally modified. Not to mention earning interest, shopping is also profitable, and it can also promote consumption, increase performance, and use the money on hand...

The benefits are naturally many and many!

The key point is that this system will come out before Double Eleven.

Double Eleven, how to shop without money!

If you don’t have money, just support from afar!

Thinking of Double Eleven, Li Dong couldn't help but think, what should those gangsters do if they find out afterwards that Huabei can't pay back the money they borrowed?

Such impulsive consumption is not a few, but many.

Thinking about it, Li Dong felt that he was a little heinous again. He made these things several years in advance. Didn't this make everyone spend more money several years in advance?

...

Shen Qian, who was sitting next to him, saw Li Dong's compassionate expression for a while, and a grinning expression for a while, it was a bit creepy to see.

When Li Dong grinned again, Shen Qian said helplessly, "What are you thinking?"

Li Dong smiled and said: "I didn't think about it, I just think that sometimes I am quite great.

Of course, this kind of greatness cannot be understood by outsiders.

For Yuanfang Finance, after obtaining several major licenses, I will be able to serve the public in the future.

Every time I think about this, I feel that I am too considerate of everyone. "

Shen Qian's face turned black and said: "What's the matter with you recently? It seems that you are becoming more and more narcissistic.

Since you gave yourself a vacation, nothing else has changed, but this one has changed a lot.

In the past, your bragging was also bragging in front of outsiders, and you still had a few words of truth in front of me, but now you are full of words in front of me. "

Li Dong said dryly: "Is there? No.

I've been speaking the truth lately, and it's true.

Believe it or not, sometimes I think I am really great.

Think about it, now that I have a consumer finance license, I can lend money.

My lending is better than usury, right?

I'm not going to ruin people's homes, and I'm not going to give people a loan after taking their clothes off and taking pictures, right?

Also, when I get a small loan license, I can also support some small and medium-sized enterprises.

They can't get a loan from the bank, the company is facing bankruptcy, and the employees are facing unemployment. It's me who gives them a chance to come back to life. It's not financing, but borrowing. The interest is not too high, the loan is quick, and the review is simple.

You said, do you have to thank me?

If I don't do it, others will do it, but can others do it better than me, Li Dong?

At least, I have money, and I am not too greedy for money in this area. I will first formulate some rules for this industry to become the industry standard.

In the future, before other companies do this, everyone will subconsciously follow the standards of distant places.

Guiding a new industry, formulating regulations, or a good direction, you say, isn't this great? "

Shen Qian was speechless, and said after a while: "You are the first well-known entrepreneur who talked about usury in a high-sounding, even great way."

Li Dong retorted: "Why did it become usury? You don't understand, you can't talk like this in the future."

"Yes, I don't understand.

But I heard someone say last night that the established interest rate is around 5/10,000 per day.

If the monthly compound interest is calculated, the annual interest rate is close to 20%. If the monthly compound interest is not included, it is also an interest rate of 18%. If this is not usury, what is it? "

Li Dong said embarrassingly: "For consumer loans, it has to be on par with bank credit cards. If it is lower than credit cards, the higher authorities will not be able to approve it.

What's more, we do monthly settlement. If we do annual settlement, how can we get so much capital.

Anyway, it's an emergency, not...

Forget it, I won't explain it anymore, you will know when the time comes, even if the annual compound interest is close to 20%, it is much better than usury.

Besides, they are all small amounts, and I will not be black-hearted enough to increase several times or dozens of times a year.

Not to mention, I will not force people to ruin their lives. Even if I am a bad person, I must be a good person among the bad people. This is my belief. "

Li Dong did not continue to talk about these things. Personal opinions on this matter are different. Some people think that Yuanfang is the savior, and some people think that Yuanfang is a black-hearted usury, and that is normal.

In short, with a consumer license, the funds in the distance can be used in the future, which is real.

As for Li Dong, at this time, he extremely hoped that Yuanfang could mobilize a large amount of funds.

As long as he has money, there are too many things he can do.

In later generations, what is the annual profit of companies like Ali Tengxun?

But when someone buys a company, the money is called big. Although it is not all cash, it is true that several big IT giants are not short of money.

How the money was spent is open to discussion.

In short, it is something that all companies are doing to use up some unusable funds.

Using other people's money to make money for yourself instead of using your own money to make money for others is what big companies are doing.

With money, Li Dong can continue his plan.

Otherwise, relying on bank loans alone to support such a small amount of money, how can we carry out these big plans.

At this time, Li Dong actually admired not himself, but people like Ma Yun. These people paved the way for him in the previous life, which is really good.

Many things are actually hard for Li Dong to think of by himself, but with the lessons learned from the past, it will be much easier to do it again.

At this time, Ma Yun and the others are probably still in the process of groping.

Li Dong already had a mature system in his mind.

Just for this, Li Dong decided that he had to give Ma Yun and the others a few boxes of wine when he turned back, since just one box was removed last time.

...

the capital.

In addition to Pingchuan, the city Li Dong visited the most in his life was the capital.

Since 2005, he has come every year, sometimes more, sometimes less.

It can be calculated that he has come to the capital at least 10 times.

Of course, every time is not happy.

Fortunately, this time, the big devil is married now, and there are fewer people who provoke him, or dare not provoke him.

In this case, Li Dong is not the one who makes trouble out of nothing, of course the atmosphere should be much more harmonious.

In particular, this time it is the son-in-law returning home, which has nothing to do with anyone else, so it will be more harmonious.

Airport.

This time it was Shen Hang who came to pick up the plane, and it was not long after we parted, so naturally we didn't have so many polite words to say.

After getting into the car, Shen Hang said with a smile: "Before getting married, it was your brother-in-law's home game.

Now, it's our home court.

Everyone has agreed tonight, brother-in-law is here, and it's not appropriate if it's not heavy.

In the evening, brother-in-law, if you didn't drink it down, it means that our mother's family is not dedicated..."

As soon as he said that, Shen Qian smacked his head with a "slap", and said angrily: "Stop talking about this, and talk less about tobacco and alcohol in the future.

Some people dare to say anything and do anything when they are drunk.

I don't want him to be a drunkard! "

Li Dong agreed with an expression on his face: "That's right, your sister's lesson is, listen carefully.

Drinking and these things can be avoided if possible.

What's more, you are not the protagonists at night, I am, so don't make decisions for me in the future. "

Shen Hang had a helpless look on his face. These two couples were more difficult to provoke than the other, so they really couldn't say anything.

...

The homecoming banquet prepared by the Du family was not too heavy.

If it was organized by the Shen family, then the scale of this homecoming banquet will definitely not be small, and more than half of the celebrities in the capital will be invited, which is in line with the Shen family's style.

But for the Du family, simplicity is the best.

So Du Anmin and his wife didn't bother with the Shen family's suggestion of choosing a big hotel for a home banquet.

In the end, it was decided to do it at Lao Du's house.

The guests were also simple, except for the Du family and the Shen family, Du Anmin didn't invite many people, only four or five outsiders in total.

On Shen Xuehua's side, he also invited a few people, plus relatives on both sides, there were only about 30 people in the end.

Such a scale, compared to the scale of Li Dong's wedding and the status of both parties, is considered crude.

There is nothing to say about the process of the door-to-door banquet. The couple will always be the protagonist of the wedding.

What should be entrusted has been entrusted before, and Du Anmin and Shen Xuehua actually have nothing else to say.

As for the promise, one meaning is enough.

If I really hope that the promise is useful, no one in the world will get divorced.

In the end, the marriage is managed by the husband and wife. At the wedding and the home banquet, no matter how much Li Dong promises, these words don't have to be taken seriously.

After the door-to-door banquet, the wedding of Li Dong and Shen Qian was recognized and blessed by everyone on both sides.

The process of the wedding has also come to an end, and then it is up to the two parties to adjust themselves.

Although Shen Qian and Li Dong have been together for a long time, they are still different before and after marriage. Whether they can get along well will also affect whether the relationship between husband and wife can last for a long time in the future.

That night, Li Dong stayed alone in the vacant room, Shen Qian was taken away by Shen Xuehua, and the mother and daughter communicated until late at night without sleep.

As for how Shen Xuehua taught her daughter, neither Du Anmin nor Li Dong asked about this.

After the homecoming banquet, Li Dong and Shen Qian were going on their honeymoon trip.

With Li Dong rushing about for his marriage, Huaxia's business world suddenly quieted down.

Until this time, many people suddenly came to their senses, and many people who eat melons were not used to it and said: "It seems a bit boring to live without Brother Pao."

"Brother Pao won't really put his love on mountains and rivers after getting married, right?"

"Yeah, don't do this, it's a pity. In the past two years, the Huaxia business world has been so lively. Now that Brother Pao has left, everyone else has faded away. We can't even get excited."

"Looking forward to Paoge's return!"

"Continue to blow it up, where is the world's richest man, and the distance has not yet become the world's number one!"

"Brother Pao, come back quickly!"

"..."

On the Internet, there was a lot of calls, Brother Pao stopped firing, and the life was too boring.