Chapter 3

Tang Qing is thinking about his future.

What's worse is that.

I have to go through the college entrance examination again.

So many years after graduation.

His high school knowledge is basically returned to the teacher, those questions know him, he does not know the questions, can only dry stare, if you can fight, he would like to strangle each other.

Fortunately, the college entrance examination is still eight months away.

And with a high degree of vision of University and graduate students, it should not be very difficult to pick up high school knowledge.

"It seems that I will study hard in less than a year. With my IQ, it should not be a problem, at least not worse than the previous life." Tang Qing murmured to himself.

At this point.

Tang Qing is envious of the memory of his predecessors.

It's a pity that he just tried, but he didn't have such "coquettish" skills.

He will go to the same university as Lin Jiaxue.

Spend the youth that once left regret together, realize the vision of youth together.

Of course.

Making money is definitely necessary.

The Tang family is not a wealthy family. Their parents used to work in a textile factory. After the factory closed, they were laid off. After that, I rented a shop on the street of my hometown.

Selling miscellaneous clothes.

Go out early every day.

I went home in the dark at night.

Just to make a little more money.

More than ten years are like a day. There is almost no free time in the four seasons of the year except for two days off on New Year's Eve and new year's day. Give my aunt 300 yuan a month.

Thirty of them are his pocket money.

Compared with living in his uncle's home, the money was obviously not enough. His aunt often bought him clothes and school supplies, and gave him more pocket money, so that he would not talk to his parents.

So.

All the time.

For my uncle's family.

There are only two words left in his heart: gratitude.

The old couple had been tired for more than ten years and saved some money to buy a house for Tang Qing to marry her daughter-in-law.

Unfortunately.

Count, count, count.

I didn't expect my grandfather to faint when he was farming two years ago.

When I was carried to the hospital, I was found to have advanced brain tumor. At that time, as the only son in my family, I was responsible for all the expenses.

In fact, my father also had a younger brother, but when he was young, he seemed to have committed something and fled to other places. Tang Qing didn't know exactly what happened, and Tang's father kept silent.

After that.

Grandfather's illness almost ran out of his family's savings, and he died a few months later.

Grandma died in the same year.

Three years after my grandfather died.

It was in April next year that he met his father's brother, Tang Kai, his second uncle. But at that time, his second uncle seemed to be hiding something.

I met them in a hurry.

After dinner, he left.

There was no more news.

I think that my parents have been tired all their lives and never enjoyed any happiness.

Tang Qing can't help but feel sad. In his life, he must make a lot of money to make the people he loves and those who love him live a good life. Tang Qing makes a vow in his heart.

Then Tang Qing began to think about how to make money.

Although I've lived a long time, I'm just an ordinary person who goes to school honestly, works steadfastly and reads novels occasionally. I don't have any special talent.

I won't be able to program like my predecessors.

I don't remember the lottery.

I can't sing.

I don't remember stocks, and I'm not a wizard.

Even in the society for a few years, it seems that there is no use.

No.

There's a chance for stocks, but that's half a year later.

And just the two or three black horses of stocks are still far away from the bull market in 2007.

I want to go to Beijing, Shanghai and Guangzhou to buy a house to hoard, but there is no start-up fund. My parents have some savings, but I want to persuade my parents to give it to me. Ha ha, forget it.

Tang Qing scratched his head hard.

Suddenly I found out.

I can't think of any way to make money quickly for a while.

There's nothing to do with the white wolf.

Oh, my God.

Don't you play with me again? Give me a golden finger.

Otherwise.

With this memory, it was in 2004.

The Internet feast has been almost eaten, and the monopoly of several giants has been basically formed. Even many of them have been listed on the stock market. The chance to become a shareholder is slim now, and even more so in the future.

It's really exciting to take a gun and prepare to hunt in the wild.

It's amazing to suddenly find out there's no bullet."If only I could print money."

I haven't come up with a clue after thinking for a long time.

Just as Tang Qing's thoughts were drifting further and further away, and had begun to break through the sky, he was developing towards delusion. A silver bell like voice sounded in his mind.

"The personal banking system serves you."

A sudden sound.

Tang Qing jumped out of bed.

Fear is not much fear, just a conditioned reflex. After a few seconds, Tang Qing's thoughts began to analyze the current situation. I have a barbecue. What's the matter? My golden finger is coming?

What did it say?

Bank?

Does that mean a lot of money, a lot of money, a lot of money, a lot of money, important things to say three times, especially important things to say again.

"What kind of system are you?"

Tang Qing asked in a low voice.

"Personal banking system." The voice came out again.

Hearing these words, Tang Qing finally let go. It seems that it is not an illusion, and it is really a bank.

"For what?" Asked Tang Qing.

"Train you to be a qualified banker."

“。。。”

Tang Qing couldn't help but make complaints about it.

"What functions do you have?" After thinking for a few seconds, Tang Qing raised a question.

"On the road to becoming a banker, provide the necessary material and information support for the host."

I asked for more than ten minutes.

Tang Qing finally understood what this system could do.

In the early stage, the main thing is to give him a certain amount of money every month, so that he can find the people who need to lend it out, and collect the principal and interest when due. At the same time, he can also borrow money in the system every month.

The system only charges 0.5 per month for the money lent out.

The annual interest rate is 6%.

Almost equal to the commercial loan interest of the bank, but the interest of the bank generally fluctuates slightly, and the system simply takes a whole number.

If the interest on his loan exceeds 0.5 per month.

The interest on the excess is his.

His own personal loan is interest free. On this day of every year, that is, when the annual liquidation is on October 1st, he needs to pay off all his personal loans in one time.

No advance or default.

If it's not clear within that day.

The system is going to say goodbye to him.

Immediately.

Tang Qing closed her eyes.

Call out the personal information of the system.

In an instant, the operation interface with a sense of science and technology was printed in my mind:

host name: Tang Qing

account level: Level 1

experience: 0100

loan limit this month: 0.5 million

personal limit this month: 0.1 million

extractable assets: 100000

spirit: 51 + 10 (human limit 100)

physique: 49 + 10 (human limit 100)

source gas value: 10

the system stipulates that customers can gain a little experience for every 10000 principal repayments, and the amount of external and personal loans will be doubled on the current basis for every level of improvement. It's equivalent to that he can borrow 200000 yuan per month for the second level.

He didn't understand the source gas value.

The system only says that it can improve various abilities.

Later functions need to be developed. As for what needs to be developed, the system says that his account permission is low and he has no right to view it. However, Tang Qing, who knows Chinese characters, can see at a glance what he can do at present by looking at the two plus ten data.

Finally, we talk about the extractable assets.

It is the fund that he can withdraw from the system's personal account.

At the initial level, RMB 100000 was directly awarded, and there was no need to pay it back.

After each upgrade, the system will reward one month's personal quota of the current level as a reward. That is to say, when he is upgraded to level 2, the system will directly give 200000 yuan to spend freely.

I'll be nice.

There's money coming.

Looking at the reward of 100000 yuan, Tang Qing was speechless for a while.

A system is a crane.

Before I was born again.

In addition to the parents' compensation, their own savings are less than half.

As soon as the system appeared, it almost blinded his 24K eye and gave him 100000 yuan of pocket money.

It's still 2004.

The purchasing power of RMB 100000 is quite strong. Happiness should not come too suddenly.

To cultivate him.

The system will provide a customer whose capital demand accounts for about 40% to 60% of the current month's external loan line every month. You can't refresh your choice, just sign a contract successfully according to the task content.

No matter whether the other party pays back the money or not.

When the contract expires, the experience will be increased automatically, and there is no punishment.As for the rest of the funds, he needs to find the loan object himself. For the first level, he can only sign the contract of repayment within 10 days and one month, and the interest is only charged for the whole month.

For example, even if the other party borrowed it for ten days.

There will also be a one month interest charge.

At present. For contracts over one month, the system does not provide loans, and only the system's loaned money has experience. I have no experience in lending personal loans and other money.

It's no use paying it back in advance.

Experience can only be gained on the day when the contract is due.

As for those who are overdue, they only have experience on the day of paying back the money.

That's all.

We have to talk about the systematic assessment at 24 o'clock on the first day of each month.

The system will evaluate all contracts due from the last evaluation date to 24 o'clock on the 1st of this month. If the funds that are not yet available reach 20% of the total amount of the month where the contract is signed.

It is regarded as unqualified.

If each level fails to pass two consecutive assessments or three cumulative assessments, the system has to say goodbye.

For example, this month is 500000 foreign loans.

In addition to the customer recommended by the system, if the total amount of other contracts exceeds 100000 during the monthly assessment, the monthly assessment of that month will directly determine that they are unqualified.

But the system also gives him an operational space.

That is, there must be a time interval between the expiration date of the contract and the assessment time.

As long as in this interval to find a way to let the other side of the money also can.

For example, the one month loan on the 2nd of this month will not expire until the 2nd of next month. The 1st will not be assessed, but will be assessed on the 1st of next month. If the operation is good, the risk is high.

As for the principal and interest recovered by the system itself, they disappear on the spot.

It can't be used any more.

Of course.

The other side is not on the system, and will not do anything to the other side.

The collection system doesn't care. The system will directly transfer this part of the loss to him, and the interest system doesn't want it. According to the loss principal, it will be included in the annual liquidation of personal repayment.

Even after the assessment, the other party can't cancel it.

This forced him to be more careful to control the risk.

As for helping the other party pay back the money of the system, Tang Qing can only think about it, but he doesn't dare to do it, because he remembers what the system finally said to him just now.