Speaking of the predecessor of campus loans, it is actually credit card. Around 2007, many banks opened credit card business on university campuses.
But soon, these credit cards were withdrawn from the campus again
There is no other reason, because college students basically have no ability to repay, and they can only find their parents if they can't pay back. This is a moral transaction. The bank is the image of the country. They cannot and dare not do such unethical things.
However, it is not convenient for banks to do it, and private enterprises can do it!
They don’t want image, how much money can image be worth?
So, in 2015, campus loans appeared and soon swept across the country, not to mention more violent naked loans and so on.
From 2015 to 2018, due to the state's rectification, this interest group has obtained an astonishing 800 billion yuan, and its profits are simply terrifying.
It was only 2000 at this time, and it was still far away from 2018. Even credit cards could enter the campus. So why couldn’t Qi Feng do it?
Of course, Qi Feng will not do anything against his conscience
When he comes back from rebirth, he has plenty of opportunities to make money, but if his conscience is lost, he will never be at ease in his life, but sooner or later there will be problems with campus loans.
After all, many people who borrow money are face-saving reasons rather than real lack of money. The ability to repay money after borrowing money is limited, and the default and bad debt rates will rise sharply.
How to manage in an orderly manner to avoid the chaos in the future?
Qi Feng thought about it for a long time but still couldn't find the connection point
Finally, three days later, his mind suddenly had an inspiration
If campus loans and express delivery can be combined...
Although the express delivery industry began to develop in 1996, the development of the Internet was not as slow as before. Compared with the later Sitong, one Da and one SF Express, this field is now completely vacuum.
Thinking of this, Qi Feng's eyes shone
Especially those students who cannot repay the loan can be allowed to join the express delivery. The number of universities in a city can completely cover the entire city. Taking advantage of this advantage, all parts of the country can be connected. Once the scale is formed, Sitong, one Da and one SF Express will have to step aside.
OK! That's it!
Qi Feng finally had a complete plan in his heart
Twist!
At this moment, the dormitory door was knocked
Is there anyone inside?
A slightly weak voice sounded
Listening to this voice, Qi Feng raised his lips and said: Are my cute roommates finally back?
Get up, open the door
Five brothers with blue noses and swollen faces stood at the door
The moment they saw Qi Feng, they subconsciously took a step back, obviously there was still a shadow of the matter at noon.
It was already late at night. Of course Qi Feng knew why these people came back, but he did not let go, but instead hugged his arms with his arms and leaned against the door frame.
Want to come in? Qi Feng asked with a smile
In addition to Li Ming and Wang Feng, several other people nodded like chickens pecking at rice, and were so pitiful that they were about to die.
By the way, I forgot to introduce Qi Feng’s five roommates
Li Ming, an old acquaintance, a native of WH City, opened a restaurant at home. Although he is not a rich man, he is worth tens of millions of dollars.
Wang Feng, a native of WH City, has an average family situation and is Li Ming's number one follower
Sun Li, Zhao Zheng and Zhou Peng came from the countryside like Qi Feng
The difference is that they all succumbed to Li Ming's tyranny and were willing to follow him and kneel down and lick him. Only the original "Qi Feng" has a straightforward personality and has been targeted by Li Ming.
Someone asked, since they all come from the countryside and are all poor students who have been admitted to Wuhan University, why do they still follow Li Ming to help the evildoer?
Then we have to talk about the issue of human nature
When people are in the most humble state, they like to bully people to show their superiority because they want to deceive themselves. They are not the lowest, and there are also people who are more humble than themselves.
So, these people look pitiful, but none of them deserve sympathy.
If you want to come in, call Dad, or get out of here!
Qi Feng made a request that was extremely insulting
Don’t you think about it, isn’t it just that I can’t live in the dormitory today? I will ask the people from the Academic Affairs Office to see if you can still be so rampant!
Li Ming said coldly and left
There was no way, he was beaten by Qi Feng. He had already had a shadow. Although he wanted to break through, he was still timid in the end.
Qi Feng looked calm about Li Ming's departure. He looked at the remaining four people and asked: What about you? You should learn from him too?
Wang Feng hesitated for a moment, turned around and left with Li Ming.
He was afraid that he would stay, and Li Ming would hold a grudge against him
The reason why Wang Feng has always been a follower is that Li Ming promised him that after graduation, he asked him to go to his hotel to be a manager
Since 1996, universities have no longer provided assignments, and even if they graduate from key universities, they are not easy to find jobs, so Wang Feng is willing to be a villain who is tempted by the enemy.
dad!
dad!
dad!
In the end, only Zhou Peng, Sun Li, and Zhao Zheng lowered his head and blushed.
They are all from rural areas, and their family situation is not much better than Qi Feng's family. If they don't live in the dormitory, there will be no place to live.
Like a hotel that costs dozens of dollars a night, they can't afford to go
And it's December again. If they were asked to sleep in the school park, they would definitely be frozen to death
Come in
After teaching these three fence-bearers a lesson, Qi Feng let go
These three people are useful to him. If it weren't for people like Li Ming, Qi Feng wouldn't have been too tight.
And if he remembered correctly, although these three people are not good birds, they all have a good-looking girlfriend.
Thinking of this, Qi Feng smiled slightly in his heart
This is the key to the dormitory, each one of you
Walking to the table, taking three keys from the string, Qi Feng threw one away
Thank you! Thank you... Brother!
When the three of them saw this, they immediately thanked Qi Feng overjoyed.
They were afraid that Qi Feng would come out every day, and calling him dad once was enough. After all, they were humans and had self-esteem.
Cleaning things in the future...
Looking at the three people standing in front of him with restraint, Qi Feng sat back on the chair and slowly tapped the table with his index finger.
Brother Qi, we have to take care of cleaning, you don’t have to worry about it at all
They are all smart people. Zhao Zheng was very good at it and quickly said with a smile
Yes, Brother Qi can also give instructions on making food and washing clothes at any time
Sun Li immediately agreed
Zhou Peng became even more awesome. He brought the melon seeds he bought to Qi Feng, then walked around to the back, and began to pinch Qi Feng's shoulders.
Brother Qi, eat melon seeds
Brother Qi, is this force OK?
Haha! Looking at the three people who were like dog legs, Qi Feng laughed
This is the pride of Wuda Ah, is it really ironic that he is
But soon, these credit cards were withdrawn from the campus again
There is no other reason, because college students basically have no ability to repay, and they can only find their parents if they can't pay back. This is a moral transaction. The bank is the image of the country. They cannot and dare not do such unethical things.
However, it is not convenient for banks to do it, and private enterprises can do it!
They don’t want image, how much money can image be worth?
So, in 2015, campus loans appeared and soon swept across the country, not to mention more violent naked loans and so on.
From 2015 to 2018, due to the state's rectification, this interest group has obtained an astonishing 800 billion yuan, and its profits are simply terrifying.
It was only 2000 at this time, and it was still far away from 2018. Even credit cards could enter the campus. So why couldn’t Qi Feng do it?
Of course, Qi Feng will not do anything against his conscience
When he comes back from rebirth, he has plenty of opportunities to make money, but if his conscience is lost, he will never be at ease in his life, but sooner or later there will be problems with campus loans.
After all, many people who borrow money are face-saving reasons rather than real lack of money. The ability to repay money after borrowing money is limited, and the default and bad debt rates will rise sharply.
How to manage in an orderly manner to avoid the chaos in the future?
Qi Feng thought about it for a long time but still couldn't find the connection point
Finally, three days later, his mind suddenly had an inspiration
If campus loans and express delivery can be combined...
Although the express delivery industry began to develop in 1996, the development of the Internet was not as slow as before. Compared with the later Sitong, one Da and one SF Express, this field is now completely vacuum.
Thinking of this, Qi Feng's eyes shone
Especially those students who cannot repay the loan can be allowed to join the express delivery. The number of universities in a city can completely cover the entire city. Taking advantage of this advantage, all parts of the country can be connected. Once the scale is formed, Sitong, one Da and one SF Express will have to step aside.
OK! That's it!
Qi Feng finally had a complete plan in his heart
Twist!
At this moment, the dormitory door was knocked
Is there anyone inside?
A slightly weak voice sounded
Listening to this voice, Qi Feng raised his lips and said: Are my cute roommates finally back?
Get up, open the door
Five brothers with blue noses and swollen faces stood at the door
The moment they saw Qi Feng, they subconsciously took a step back, obviously there was still a shadow of the matter at noon.
It was already late at night. Of course Qi Feng knew why these people came back, but he did not let go, but instead hugged his arms with his arms and leaned against the door frame.
Want to come in? Qi Feng asked with a smile
In addition to Li Ming and Wang Feng, several other people nodded like chickens pecking at rice, and were so pitiful that they were about to die.
By the way, I forgot to introduce Qi Feng’s five roommates
Li Ming, an old acquaintance, a native of WH City, opened a restaurant at home. Although he is not a rich man, he is worth tens of millions of dollars.
Wang Feng, a native of WH City, has an average family situation and is Li Ming's number one follower
Sun Li, Zhao Zheng and Zhou Peng came from the countryside like Qi Feng
The difference is that they all succumbed to Li Ming's tyranny and were willing to follow him and kneel down and lick him. Only the original "Qi Feng" has a straightforward personality and has been targeted by Li Ming.
Someone asked, since they all come from the countryside and are all poor students who have been admitted to Wuhan University, why do they still follow Li Ming to help the evildoer?
Then we have to talk about the issue of human nature
When people are in the most humble state, they like to bully people to show their superiority because they want to deceive themselves. They are not the lowest, and there are also people who are more humble than themselves.
So, these people look pitiful, but none of them deserve sympathy.
If you want to come in, call Dad, or get out of here!
Qi Feng made a request that was extremely insulting
Don’t you think about it, isn’t it just that I can’t live in the dormitory today? I will ask the people from the Academic Affairs Office to see if you can still be so rampant!
Li Ming said coldly and left
There was no way, he was beaten by Qi Feng. He had already had a shadow. Although he wanted to break through, he was still timid in the end.
Qi Feng looked calm about Li Ming's departure. He looked at the remaining four people and asked: What about you? You should learn from him too?
Wang Feng hesitated for a moment, turned around and left with Li Ming.
He was afraid that he would stay, and Li Ming would hold a grudge against him
The reason why Wang Feng has always been a follower is that Li Ming promised him that after graduation, he asked him to go to his hotel to be a manager
Since 1996, universities have no longer provided assignments, and even if they graduate from key universities, they are not easy to find jobs, so Wang Feng is willing to be a villain who is tempted by the enemy.
dad!
dad!
dad!
In the end, only Zhou Peng, Sun Li, and Zhao Zheng lowered his head and blushed.
They are all from rural areas, and their family situation is not much better than Qi Feng's family. If they don't live in the dormitory, there will be no place to live.
Like a hotel that costs dozens of dollars a night, they can't afford to go
And it's December again. If they were asked to sleep in the school park, they would definitely be frozen to death
Come in
After teaching these three fence-bearers a lesson, Qi Feng let go
These three people are useful to him. If it weren't for people like Li Ming, Qi Feng wouldn't have been too tight.
And if he remembered correctly, although these three people are not good birds, they all have a good-looking girlfriend.
Thinking of this, Qi Feng smiled slightly in his heart
This is the key to the dormitory, each one of you
Walking to the table, taking three keys from the string, Qi Feng threw one away
Thank you! Thank you... Brother!
When the three of them saw this, they immediately thanked Qi Feng overjoyed.
They were afraid that Qi Feng would come out every day, and calling him dad once was enough. After all, they were humans and had self-esteem.
Cleaning things in the future...
Looking at the three people standing in front of him with restraint, Qi Feng sat back on the chair and slowly tapped the table with his index finger.
Brother Qi, we have to take care of cleaning, you don’t have to worry about it at all
They are all smart people. Zhao Zheng was very good at it and quickly said with a smile
Yes, Brother Qi can also give instructions on making food and washing clothes at any time
Sun Li immediately agreed
Zhou Peng became even more awesome. He brought the melon seeds he bought to Qi Feng, then walked around to the back, and began to pinch Qi Feng's shoulders.
Brother Qi, eat melon seeds
Brother Qi, is this force OK?
Haha! Looking at the three people who were like dog legs, Qi Feng laughed
This is the pride of Wuda Ah, is it really ironic that he is
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