After eating and taking a bath, fatigue surged up. Wang Yan was tired, hot and hungry. He kept sticking out his tongue.

    It''s not easy to toss around in summer.

    If only I had a car, I would do it comfortably with the air conditioner on and the breeze blowing. Why suffer so much.

    Well, when you save enough money, you must pick up a car!

    It seems that the Audi A4L is good. It has a fashionable appearance and the price is high enough. It must be very popular to drive on the university campus at that time!

    In fact, Wang Yan has never seen any luxury cars. The cub born in the village in the city was a rural baby before the demolition.

    Even if you''re lucky, you''ll be a nouveau riche.

    Among those models that drive to the gate of the campus to pick up their children from school, what Wang Yan appreciates most is A4L. It is a good car purely based on its appearance.

    YY was blowing A4L, and Wang Yan gradually fell asleep.

    He lay down early yesterday, but couldn''t sleep over and over. He got up early this morning and tossed all morning. He was really tired.

    In the dream, the sky is intertwined with light into a palace. In the palace, beautiful women are like clouds, holding delicacies and wine and constantly offering them to the throne. The main hall is crowded with trench merchants from various countries, waving all kinds of novelty, trying to win one of the king''s smiles.

    Ma Yun: "king, please look at the treasure I''ve found!"

    Ma Huateng: "king, do you want lol?"

    Musk: only my big rocket is worthy of the king

    Gates: "take away your rocket! Microsoft''s state is the most enjoyable, too hard will hurt!"

    Product such as: "king, wear our clothes, no matter how hard it is!"

    ……

    Waking up from a messy dream, Wang Yan was stunned to find that his pants had set up a tent.

    What do you mean, brother?

    It''s not enough to protest every morning. Now it''s time to prepare for the uprising?!

    Can you bear it again?

    There is no one on the shooting list. The empty gun does not meet the identity of Shenhao!

    It''s easy to talk about pacifying the rebels. The big brother who handled the certificate called.

    "Done? OK, I''ll be right there!"

    ……

    Two very simple things. I charged Wang Yan 300 yuan.

    Take the radish seal and press it on the abandoned document of the Education Bureau. The two seals are basically the same, and the workmanship is quite good.

    Good, worth it!

    As for the payment list, Wang Yan made 30 in one breath. It''s hard to say whether he can use it up. He''ll try his best anyway.

    Go out and go home directly. Print 30 blank income certificates in a fixed format at the village entrance copy agency, fill them in one by one, and then seal them.

    Put away your things. Wang Yan checked them carefully and found that they were basically complete.

    ID card √

    Bank card get √

    Work unit √

    Income certificate √

    Office fixed line get √

    House charge receipt get √

    Mobile phone number used for more than half a year get √

    Important contact √

    Only one difference: personal credit report.

    Wang Yan logs in to the credit investigation center of the people''s Bank of China with his new mobile phone number, registers as Liu Dapeng, queries personal credit information and saves PDF.

    Take the whole set of guys and go straight to financial street.

    Now that he hasn''t rented a house, he can''t go to huhai. Wang Yan casually walked into the first store on the right side of the road.

    The first floor of the company called Changfu was not even decorated. The separated empty rooms and waiting area were empty. There was only a lonely information desk in front of the stairs.

    Wang Yan said "I want a loan", and the front desk quickly called down a salesman.

    A trot of high heels knocked on the ground. Down came a young girl who looked even more immature than Wang Yan who deliberately didn''t shave.

    Wang Yan''s skin was not very good, dark and rough. Coupled with his sobbing stubble, he looked like he was in his early 20s, so the girl came up and said "big brother".

    Wang Yan endured a smile and followed her upstairs.

    Say hello in the stairs. Do you need to check at home.

    The girl replied, "as long as you don''t handle the real estate mortgage loan or provide the house purchase contract, you don''t need to come to verify the housing situation."

    That''s good. Start filling out the form.

    When filling in the blank, the girl encouraged: "brother, you can directly apply for a credit loan of 80000 yuan. With your institution and 7000 monthly salary, even if there is a discount, 60000 yuan will be granted to you."

    Wang Yan insisted on applying for only 40000 yuan.

    Not that I don''t want to get more money, but that I have the overall situation in mind.

    According to brother Xizi, small loan companies have a very important division - more than 50000 and less than 50000.

    Once the application amount exceeds 50000, not only will the audit be more detailed, but also the probability of being killed is as high as 50%. The higher the application amount, the more difficult it is to approve.

    When applying for 40000, the probability of direct passing is 90% when the credit investigation is not bad.

    Go to 20 small loan companies to make 20 loans, apply for 50000 each time, the probability of passing the examination is 50%, and finally get 500000.

    Each application is 40000, the probability of passing the examination is 90%, and 720000 is finally obtained.

    How big is the gap?

    And more importantly, both of them pay different attention to post loan.

    Especially when collecting, more than 50000 people must be urged, and the sequence is very front. If they can''t be urged, they have always been hung in the important supervision library.

    Less than 50000 is selective collection, which is relatively lower.

    Moreover, the old managers have a way to continue to reduce the collection order——

    Make a two-year loan for a total of 24 months.

    Wait for the money to come down and repay it on time for 4 months.

    At this time, more than 10000 have been repaid, and the collection ranking is basically reduced to the lowest. It doesn''t matter if you don''t give a penny later.

    Each company has a vast number of bad debts, which will be collected in order, and you will not be urged in the next life.

    When the small loan company packages and sells the bad debts, it''s more appropriate. The contractor can not recognize the overdue fine of the interest service fee of the small loan company, but only the actual principal lent, which is basically a 10% discount purchase.

    For debts below 50000, people don''t bother to deal with the cost of receiving less than 5000.

    Soon, the debt will disappear into the vast financial river.

    Instead, customers who default in the first month have a high status in the collection sequence and will be chased and bitten.

    Wang Yan''s plan is to return the money for four months, and then throw away his mobile phone card and bank card. Bye.

    The total amount of principal and interest owed is donated to the orphanage, not to the small loan company.

    After reading several campus loan related news, he was quite disgusted with the blood sucking companies bred by these abnormal societies. He would not feel guilty at all for relying on their accounts.

    The reason why I have to stay for 4 months is that I don''t want to bring a little trouble to big brother, everything is false, but the ID number is real.

    Therefore, when it can be made public, Wang Yan will prepare another 1 million yuan for brother Dapeng. It should be enough to support a stall of business. It can be regarded as a small compensation.

    ……

    Next, continue to fill in the form for a period of 24 months for decoration

    It''s all details. It''s done smoothly.

    Then take the girl and the marketing manager to the Education Bureau to verify the unit.

    In July, when the education mouth was on holiday, Aunt Wang Yan was contacting the new uniforms of various schools before she was in the unit. She couldn''t even see a ghost in other offices.

    Seeing Wang Yan open the door of the office with his key, the manager smiled and said, "Sir, please rest assured that we will upload the application tonight. If it goes well, we will call back tomorrow morning and sign a contract to get the money in the afternoon."

    The two men waved goodbye. Wang Yan worked hard and ran to seven more houses.

    Four of them even didn''t bother to go to the unit, and one of the remaining three needed to check the house, which was not completed for the time being.

    At this time, it is the golden age when the business of offline stores of microfinance is the hottest. Little Wang Yan is like a drop of water in the sea, so small and unnoticeable.

    When he fell asleep tired at night, Wang Yan even thought: how many homes can I do if I go on like this?

    50?

    100?

    New companies open every day and old companies close every day. It''s really a barbaric and vibrant industry

    Have a good night''s sleep.

    When he got up the next day, Wang Yan changed his clothes, put on his cap and went out with the donkey briefcase he bought at the night market last night.

    Continue to roll out small loans.

    When filling out the form, Wang Yan saw a trace of undisguised ridicule in the eyes of a salesperson. It is estimated that it is because the donkey bag is too fake?

    Wang Yan is not angry, but full of evil fun: when your money comes down, I''ll buy a genuine product and say thank you in advance!

    In the morning, verification calls came in one after another, starting with 010 and 021.

    Changfu''s risk control asked a special question: "Sir, why is your office phone not answered?"

    Wang Yan calmly replied, "my colleagues are certainly not in the Bureau during the summer vacation. If you need it, I can go back in the afternoon and respond to you by office phone."

    The customer service didn''t say anything more and said goodbye politely.

    In the afternoon, Wang Yan was leading a manager to verify the office space. The salesman of Changfu company suddenly called and his tone was very excited.

    "Sir, your loan has been approved. You can sign it!"

    Wang Yan quietly sent the manager away, then took a taxi alone and hurried to the financial street.

    The signing process was very simple. 10 minutes later, Wang Yan came to CCB''s ATM and silently entered his password.

    Balance: 40000.00 yuan!

    The first small loan, smoothly!