Chapter 3

Watching the [habit cultivation instrument] shine in the mall, it seems to be out of reach, but in fact it is out of reach. That kind of depression dilutes half the joy of getting the system.

In fact, 30000 yuan is nothing. Wang Yan can save enough in 11 days.

But now it's only eight hours.

Wang Yan really has no choice.

Mother has about 100000 deposits in her hand, but she has no reason to borrow. She has no reason to take it too late. She doesn't have online banking.

For the rest of the students, only he Meng and Qiu Xiaogu can take out 30000 yuan at any time, but they are not familiar.

Otherwise... Ask he Meng, do you need any service?

Open your pants, take a look inside and give up silently.

It's neither a white jade pestle nor a one Horned Dragon. It's not worth 30000.

Thinking about it, Wang Yan had no choice but to turn off the system and stop thinking about it.

It shouldn't be ours. Wait for the next item

I have to find something to relieve my mood.

Wang Yan tilted his head and opened Taobao again to study air conditioning.

The temperature in the central region this year is too abnormal. There is almost no snow in winter and no rain in summer. The high temperature of 35 degrees has lasted for nearly a week. It is said that the maximum temperature in the next few days will be close to 40 degrees.

Parents are distressed about money and are reluctant to buy air conditioners. Wang Yan thinks that they should install one for both of them before going to college, otherwise it would be too hard to sleep at night.

When there is more money in the future, buy them a building to live in, support their home in advance, and then consider spending money to force, otherwise they will always feel guilty.

It's just that it's hard to find an excuse

At the thought of explaining to his parents where the money came from, Wang Yan's head was big. He felt more painful than the college entrance examination.

Just worried, the door of the next yard suddenly made a loud noise. Soon, a young man in his 20s passed by the courtyard wall. He was Wang Yunxi, a neighbor of Wang Yan's family.

"Brother Xizi, come back so early today?" Wang Yan said politely.

"Oh, Xiaoyan, why didn't you go out to play?"

"Who will make complaints about the temperature today?" Wang Tun Tucao.

"It's not so bad. The weather is really hot!"

Wang Yunxi grinned and nodded. He took off his white shirt and twisted it. His sweat splashed to the ground.

"Xiao Yan, wait a minute, brother."

Wang Yunxi jumped into the room in two steps, took out half a watermelon from the refrigerator, inserted two spoons, climbed over the wall, came to Wang Yan and put it on the table.

"Come on, eat watermelon!"

Wang Yan was not polite. He picked up the spoon and dug a big piece.

Wang Yunxi is not an outsider, but a relative of the Wang family who has just given birth to five clothes. According to the seniority, he even has to call Wang Yan uncle.

But after living in the city for a long time, everyone doesn't pay much attention to that. Wang Yunxi also calls Wang Yan's father the third master, but he has different opinions with Wang Yan.

Eating two mouthfuls of watermelon is sweet and cool. Wang Yan's summer heat disappears. He is not comfortable.

[Ding! You taste delicious watermelon and trigger mysterious reward]

[you get a skill and open the personal panel]

what the fuck!

I've never bought a lottery ticket in my life. Is my brother so European?!

It was so amazing that Wang Yan couldn't believe it.

1% probability, one hit, dare you believe it?

Is it a skill that can get 30000 yuan?!

Quickly open the personal panel, and in an instant, a 3D Xiao Wang appears in the new interface.

[host: Wang Yan]

[basic attributes: strength 64, physique 63, agility 68, intelligence 65]

[skill: food sense]

Cannibalism is a particularly interesting skill.

But it has nothing to do with money.

Wang Yan was somewhat disappointed. He continued to watch, but gradually became happy again.

Note: passive skills, you can vaguely perceive the quality of ingredients and pick out the best.

Wang Yan smacked for a long time and finally realized that there was no need to be afraid that watermelon would not be sweet in the future.

It must have thin skin and much water. It tastes good. Isn't it fierce?!

Although it has nothing to do with money, Wang Yan is still very happy.

In the final analysis, making money is still to enjoy life. Enjoy your food skills!

Is father Ma rich?

You throw Papa Ma a load of watermelons and ask him to choose the best. Do you think he has any moves?

Hey, hey, no?

Wang Yan is really a silly child who is very easy to satisfy. He feels that he has got a magic skill of hanging and beating the world's rich. The depression just now suddenly dissipated.

Next, let's look at the basic properties.

The system has comments——

For adult males over the age of 18, the average attribute value is 60 points and the limit is 100 points.

Average of 60 points, excellent above 70, genius above 80 and genius above 90.

Seeing this, Wang Yan only felt pain in his brain melon seeds.

I'm really ordinary. None of them is below the pass line, and none of them meets the excellent standard.

In fact, according to the normal distribution, talents like Wang Yan are the vast majority of all living beings.

Because the evaluation of each attribute is very complex and strict.

Some people have a good memory, but their logic is slightly poor, or their spatial imagination is slightly weak, and their total intelligence score is not high.

Some people's lung endurance is particularly good, but their endurance in bed is general, and their physique is not high.

In short, everyone has their own advantages and disadvantages. The world is still composed of ordinary people. Tianzong wizards have only produced one for hundreds of years. Just think about it.

……

Wang Yan dug another tablespoon of watermelon and suddenly moved in his heart.

"Brother Xizi, I remember what kind of loan company you work in? What's the matter?"

Wang Yunxi didn't lift his head and said casually, "credit microfinance. Haven't you heard of it?"

"No." Wang Yan shook his head, but he became more and more interested. Baba asked, "brother, please talk."

Being idle is also idle. Wang Yunxi takes it as idle talk and talks with Wang Yan about popular science.

Credit loan is a kind of loan without mortgage and guarantee, with personal credit as the repayment guarantee.

The lending range of microcredit is generally between 5000-100000 yuan.

With the liberalization of financial reform, microcredit is sweeping the land of China at a very fast speed.

Wang Yan usually doesn't pay much attention to things outside. He only occasionally sees some news on the Internet. It seems that campus loans are making a lot of noise. Therefore, he has some impressions of small loans.

After listening to Wang Yunxi's explanation, Wang Yan finally understood what was going on.

Nine words can describe it: low threshold black heart usury.

Doubling in three years is a matter of conscience. Companies with higher interest rates can double in two years.

"That's ridiculous... Is this thing still borrowed?"

Wang Yan couldn't figure it out, but brother Xizi disdained to kiss his mouth: "there are still a lot of borrowers! Some people have bad credit investigation and lack money. Where can they go if they don't borrow the money?"

"Credit investigation?"

"It is the personal credit report issued by the people's Bank of China, which shows whether you have a loan or default. After you graduate, you need good credit investigation for buying a car, a house and a loan."

Wang see light suddenly: "like Alipay sesame seed?"

"Yes." Wang Yunxi nodded.

"Our small loans only check credit, not credit. After borrowing the money, even if you don't pay it back, at least you can't get on the personal credit report, which will not affect the regular loans in the future."

Wang Yan was stunned: "won't there be a lot of people defaulting?"

"Otherwise, why do you think the interest rate is so high? Don't you want to use high interest rate to cover bad debts? There must be some people who don't pay back the money, but as long as the good and bad account rate is controlled, the company still makes a lot of money."

"The company makes a lot of money, and we make a small fortune with it, ha ha!"

Wang Yunxi smiled and raised a finger: "last month, I made this number!"

Wang Yan's eyes lit up and blurted out, "brother, lend me 30000!"