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 doesn't know the questions, he can only stare at the face, if he can fight, he would like to strangle each other.

Fortunately, it is still eight months before the college entrance examination.

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

"It seems that I will study hard in the next less than a year. With my intelligence, I think I have no problem. At least I will not be worse than my previous life." Tang Qing muttered to himself.

At this point.

Tang Qing is envious of his predecessors.

It's a pity that he just tried. He didn't have such a "charming" skill.

He wants to 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.

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

Selling miscellaneous clothes.

Go out early every day.

Go home at night.

Just to make a little more money.

For more than ten years, there are almost no free time except for new year's Eve and new year's day. Give my aunt 300 yuan a month.

Thirty of them are for his pocket.

Compared with the life in my uncle's house, these money is obviously not enough. My aunt often buys clothes and school supplies for him, and also gives him more pocket money to keep him from talking with his parents.

So.

All along.

For the 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 and marry her daughter-in-law.

Unfortunately.

Come and go.

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

Carried to the hospital was found to have advanced brain tumor, at that time as the only son of the family, of course, to be responsible for all the expenses.

In fact, my father has a younger brother, but when I was young, I seemed to have committed something and fled to other places without any trace. Tang Qing didn't know exactly what happened, and Tang Fu kept quiet.

After that.

Grandpa's illness almost spent all his family's savings, and he died without persistence for several months.

Grandma also died in the same year.

Three years after grandpa died.

In April next year, 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, I left.

There was no more news.

I think that my parents are tired and have never enjoyed much happiness.

Tang Qing can't help but feel sad. In his life, he must make a lot of money, so that the people he loves and those who love him can have a good life. Tang Qing silently vowed 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 steadily and reads novels occasionally. I don't have any special talent.

I can't program like my predecessors.

I don't remember the lottery.

Can't sing.

I don't remember stocks. I'm not a genius.

Even after a few years in society, it seems to be useless.

No.

There's a chance for stocks, but that's six months from now.

And only those two or three stocks are black horses, which is still a long way from the bull market in 2007.

I want to go to beishangguang to buy a house for hoarding, but I haven't started the fund. My parents have some savings, but I want to persuade my parents to give it to me. Hehe, let's forget it.

Tang Qing scratched his head hard.

Suddenly.

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

There's nothing to do with white wolves.

God.

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

Otherwise.

With this memory, it was in 2004.

The Internet feast has been eaten almost, and the monopoly of several giants has basically formed. Even many of them have been listed, and the chances of becoming a shareholder are slim now, and even more so in the future.

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

I suddenly found out that I didn't have a bullet. It felt like it.

"If only I could print the money."

After thinking for a long time, I didn't come up with a clue.

Just as Tang Qing's thoughts drifted farther and farther away, and began to break through the sky, and developed 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, but a conditioned reflex. After a few seconds, Tang Qing's thoughts began to analyze the current situation. I have a big fork barbecue. What's the matter? Here comes my golden finger?

What did it just say?

Bank?

Does that mean a lot of money, a lot of money, a lot of money, a lot of money? Say important things three times, especially important things again.

"What system do you have?"

Asked Tang Qing in a low voice.

"Personal banking system." The voice rang again.

Hearing this, Tang Qing finally let go. It seems that it's not an illusion, but a bank.

"For what?" Tang Qing asked.

"Train you to be a qualified banker."

“。。。”

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

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

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

I asked again for more than ten minutes.

Tang Qing finally understood what the system could do.

In the early stage, he can mainly give him a certain amount of money every month, let him find the people he needs to lend out, and collect the principal and interest when they are due. At the same time, he can also make a monthly loan in the system.

The money system that lends out only charges interest of 0.5 per month.

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. The system simply takes an integer.

If the interest he lent exceeds 0.5 per month.

The excess interest is his.

His own personal loan is interest free. On this day of every year, when the annual liquidation is on October 1, all personal loans of this year need to be paid off in a lump sum.

No advance or default.

If it is not clear on that day.

The system is going to say goodbye to him.

Immediately.

Tang Qing closes his eyes.

Call up the personal information of the system.

In a moment, the operation interface with a strong sense of science and technology comes to mind:

host name: Tang Qing

account level: Level 1

experience: 0100

loan limit of this month: 0.5 million

personal limit of this month: 0.1 million

extractable assets: 100000

spirit: 51 + 10 (human limit 100)

Constitution: 49 + 10 (human limit 100)

source gas value: 10

the system stipulates that customers can gain a little experience for every 10000 principal returned, and the amount of each level of external and personal loan is doubled on the current basis. It's equivalent to saying that he can borrow 200000 yuan a month.

He didn't understand the source gas value.

The system only says that it can improve various capabilities.

Later functions need to be developed. As for what needs to be developed, the system says that he has no right to view the account with low authority. However, Tang Qing, who knows Chinese characters, looks at the two plus ten data. What can he do now is clear at a glance.

Finally, let's talk about the withdrawable assets.

It is the funds that he can withdraw from the personal account of the system.

At the initial level, RMB 100000 was awarded directly, 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 promoted to level 2, the system will directly give 200000 yuan to spend at will.

I'll be good.

There's a real delivery.

Looking at the reward, Tang Qing is speechless.

A system is a crane.

Before I was born again.

I have less than half of my savings except for my parents' compensation.

As soon as the system appeared, it almost blinded him with 24K's eyes and gave him 100000 yuan of pocket money.

It's 2004.

The purchasing power of RMB 100000 is quite strong, and happiness should not come too suddenly.

In order to train him.

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

Whether or not the other party pays back the money in the end.

When the contract expires, experience will be increased automatically without penalty.

As for the rest of the funds, he needs to find the loan object himself. He can only sign a contract for repayment within ten days or one month, and the interest is only charged for the whole month.

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

A month's interest will also be charged.

At present. For contracts over one month, the system does not provide loans, and only the system has experience in lending money. Personal loans and other money are inexperienced.

It doesn't work even if it's paid in advance.

Experience can only be gained on the day when the contract expires.

As for those who fail to pay the money within the time limit, they only have experience on the day of repayment.

That's it.

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

The system will evaluate all contracts due from the previous evaluation date to 24:00 on the first day of the month. If the funds are not enough, they will reach 20% of the total amount of the month where the contract is signed.

It is regarded as unqualified.

If two consecutive assessments of each level are unqualified, or three cumulative assessments are unqualified, the system must say goodbye.

For example, this month's loan line is 500000.

In addition to the customer recommended by the system, in the monthly assessment, if the total amount of other contracts exceeds 100000 yuan, the monthly assessment of the current month will directly determine unqualified.

However, the system also gives him an operable space.

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

As long as we try to get the money back during this interval.

For example, the one month loan loaned on the 2nd of this month will expire on the 2nd of next month, and the 1st will definitely not be tested