rebirth of cataclysm

For Dean Zhang, it doesn't matter, as long as the money comes in, it makes no difference to him in whose name it is.

After a night's rest in the hotel, the next day they went to visit the Art Institute.

Since the summer vacation has ended, many students have chosen to go home.

However, there are also some students who live far away or who want to work during the holidays and choose to stay.

Dean Zhang personally accompanied the visit and seemed to attach great importance to it.

Before that, he might have been looking at Li Hongjie's face, but after Hu Mingchen expressed his intention to donate last night, this face was earned by Hu Mingchen himself.

"This is our girls' apartment. Two people can share a room... There are slightly more girls than boys in our college..."

"This building is used for vocal music practice. Students can use it in their spare time..."

"This flower pond is the most beautiful place in our school. Especially in summer, the lotus flowers in the flower pond will bloom...It is surrounded by greenery...Some students suggested planting some cherry blossoms, but they did not agree."

"This is the first teaching building... It is a studio. Our studio will not be smaller than the average TV station..."

Hu Mingchen and Hu Yujiao followed Dean Zhang around the campus.

The school is not bad, with a total area of ​​more than 1,000 acres, and the facilities are quite complete. Moreover, the school is quiet in the middle of the hustle and bustle. Although it belongs to the urban area, it is surrounded by a green belt, so it appears to be very quiet and peaceful.

A suitable place for art study.

After seeing the school, Hu Yujiao expressed satisfaction and decided to go there.

When her scores come down, the school will file the application directly and give her an admission notice. Hu Yujiao can just come directly to register when school starts.

Things that were difficult for others were easily solved by Hu Mingchen.

In the evening, Dean Zhang also took the initiative to entertain Hu Mingchen and Hu Yujiao.

In the eyes of Dean Zhang, big donors like Hu Mingchen are scarce resources. Although they are schools, for a school to run well, funds are always an indispensable resource, especially in today's society.

There are some very outstanding professors and scholars who would rather go to second-rate universities in developed cities than teach in key universities in the west. Why is this? The core is the effect of money making ability.

Even professors and scholars yearn for a good life, a good working environment, and ample working funds.

And for these, Hu Mingchen can provide powerful help.

The next day, we agreed to visit Aniu Company.

Aniu Company has been listed overseas and has become a technology company with a market value greater than that of many state-owned banks.

The brand new office building of Aniu Company is very cool and full of technological elements.

"I always thought that as an e-commerce company, most of them were traders. I didn't expect that thousands of them were computer engineers or software engineers. It really subverted my imagination." Hu Yujiao followed the tour and saw that

In the spacious building, there were engineers everywhere, and she felt surprised and surprised.

"Ms. Hu, of course we have a strong operations department, business department, etc., but our core is always positioned at the technical level. It is not easy to ensure the smooth and safe operation of massive daily transaction data.

"Li Hongjie said.

"They are becoming more and more biased towards data and artificial intelligence. For example, if you like to watch and buy dresses, the system will often push you news and links about dresses. Many times, what you want is not what you searched for at all, but the system

Pushed to your eyes." Hu Mingchen said.

"Haha, you still see clearly, but now there is another problem that is more troublesome for us." Li Hongjie said.

"No, you have more troublesome problems?" Hu Mingchen became curious.

"Of course, there is a huge amount of funds that need to be digested every day. Between consumers and customers, their transaction funds are actually stored in our company first, and we act as the transaction medium.

The amount of these funds is getting bigger and bigger, which is equivalent to our company becoming a fund pool. These funds are both pressure and burden." Li Hongjie said.

"Aren't all those doing business afraid of insufficient funds? Why do you still find it troublesome when you have more funds? Haha, it's a bit strange." Hu Yujiao didn't understand the significance of this, so she said with a smile.

"Haha, Miss Hu, you went shopping today and brought fifty yuan with you. You think shopping is boring and you can't afford many of the things you want to buy. But you brought five thousand yuan to the street and you think it's a bit interesting.

If you take 50,000 yuan on the street, you will feel happy and you can fully spend it. But if you are asked to take 5 million yuan on the street, you will immediately have a headache, because 5 million yuan will make you breathless and worry about someone breaking it.

idea.

What's even more troublesome is that these five million are only in your hands, and the ownership does not belong to you. No matter if it is stolen or robbed, you must bear the responsibility. At this time, do you still think that having more funds is a good thing?"

Li Hongjie knew that Hu Yujiao was not a business person and had no interest in studying business, so she chose to study art, so he used a simple and easy-to-understand example to explain to him.

"You mean... you are now walking down the street carrying five million on your back every day?" Hu Yujiao understood a little bit.

"No, what I carry is far more than five million, but countless five million." Li Hongjie led the two Hu brothers and sisters to his office.

"Then you can lend the money out. I know that on your website, many people have added a lot of products to their shopping carts, but have no money to pay. If you lend the money to them, wouldn't it not only improve your

The sales volume has dispersed the financial pressure, and you can even get an interest. The principal does not belong to you, but the interest will always be lost to you, right?" Hu Yujiao tilted her head and thought, and an idea came up.

"Eh... It's really like a bank issuing a credit card... We can complete the entire process directly online without a card..." Li Hongjie's eyes lit up.

"Yes, yes, that's it." Hu Yujiao was very happy when she heard that her suggestion was recognized.

"Haha, haha, Mr. Hu, are you all so talented in business? Your sister's suggestion is worth tens of billions." Li Hongjie smiled and praised Hu Yujiao in person.

After entering Li Hongjie's huge office of several hundred square meters, Hu Yujiao felt that he was too luxurious. In comparison, her brother was really simple and unpretentious.

"Mr. Li, since you think it's worth so much, then just pay, haha." Hu Mingchen took Li Hongjie's words and joked.

"Haha, what are you doing, hitting me in the autumn wind?" Li Hongjie understood that Hu Mingchen was just joking.

Hu Yujiao walked to the window and looked at the surrounding environment. She turned around with a smile and said, "Well, you don't need so much, you don't need it, just help me empty my shopping cart."

"Haha, is it that simple? It only takes a minute." Li Hongjie said with a smile, emptying a shopping cart was not too simple for Li Hongjie.

What's more, his brother is the company's major shareholder, which to a certain extent means that Hu Mingchen buys things for Hu Yujiao.

"If you make trouble, you have to go around alone. If you don't make it right, you will come here to work from now on." Hu Mingchen said with a stern face.

Hu Yujiao pouted: "I'm just curious. I won't come to work. Although the environment looks good, the management must be very strict."

As Hu Yujiao walked towards the door, Li Hongjie quickly asked his assistant to accompany Hu Yujiao wherever she wanted to go.

"Let me tell you first, you have to treat my sister's suggestion with caution." Hu Mingchen took a sip of the tea handed to him by the staff and said.

"Of course I will treat it with caution and strive to launch it by the end of the year."

"Mr. Li, I'm afraid you have misunderstood what I meant. When I say treat it with caution, I really mean treat it with caution. She doesn't understand anything, but you should evaluate it carefully. I don't believe you haven't thought about this direction."

Hu Mingchen said solemnly.

"We have thought about many directions, including turning the foundation's funds into relatively safe investments, depositing them in banks, and turning them into loans, etc. Many people in the company prefer to turn them into investment funds to purchase treasury bonds.

Public bonds, etc., safety insurance can also be profitable." Li Hongjie said.

"However, it is difficult for the domestic bond market to accommodate such a large amount of funds like yours, but if you invest in the international bond market, the risks will naturally increase, such as the subprime mortgage crisis, such as the decrease in North American bond interest rates, etc." Hu Mingchen said.

"That's true. After all, we are not an investment company. We still hope that it can increase the stickiness between consumer customers and us. Therefore, your sister's suggestion is actually what I think is feasible.

Facing individual consumers, we are the stronger party, and the risks are in our hands to a certain extent.

Moreover, this kind of short-term borrowing has relatively high profits, and depositing it in a bank is something I have never even thought about. Depositing in a bank is the most incompetent of all investments," said Li Hongjie.

"And I just said that you should treat it with caution, that's why. Although short-term lending is profitable, your business subjects must be young people, and only young people have such a strong awareness of early consumption.

However, the income of many young people is often unstable. If your loan puts huge repayment pressure on them, the final result is likely to be a lose-lose situation.

You must do a good job in customer analysis, customer credit reporting, etc. You must not distinguish good from bad in order to expand your customer base. To some people, you are helping them if you lend them money, but to some people you are harming them if you lend them money.

Especially the students, do you understand?"

Hu Mingchen is a student now, so he knows best the mentality of current students.

If Li Hongjie were to let things go, there would definitely be many people borrowing money regardless of circumstances just to buy gifts for their girlfriends or boyfriends.

When they don't pay, the company will definitely press for debt, and if the company presses for debt, those young people will be in trouble.