Autumn is a season of harvest. Although the Ren and micro-loan company founded by Lin Yaren on China Street is still a small and micro enterprise, it has finally gained its foothold.

That morning, he sat at the dining table at home to prepare for dinner, and then went to work in the company. The cheap dad sitting opposite him asked in a targeted manner: "It is said that all the Chinese New Years have gone to your place to borrow money?"

"It is true that there are many new overseas Chinese who are coming to borrow money from me." Lin Yaren said without hiding it.

"People like them who have nothing and still have no place to live are very unreliable. You are not worried that they will run away after borrowing your money, don't you pay it back?" Lin Guodong said seriously.

Lin Yaren knew that he was caring about himself, but he was too conservative. He knew very well that those who could come to RB from China at this time, whether from mainland China, Taiwan, Hong Kong, or Macau, were still quite responsible.

Even those overseas Chinese who went to Japan from Southeast Asia were not scammers. Their original intention of leaving their hometown was to make money through personal hard work, so that they could live a good life in the future.

If the profit method of his microfinance company is exactly the same as that of other microfinance companies on the street, how can his company become bigger and stronger?

Moreover, he completely didn't feel that the risk of lending money to the new overseas Chinese was very high, but instead made him feel very at ease.

Lin Yaren gave his cheap dad a necessary solution and said: "You are so worried about it. You can open a restaurant, but you don't understand financial matters at all.

To be precise, on the one hand, you older generations have more or less prejudice or even rejection of the coming New Chinese.

On the other hand, I especially like to use their new overseas Chinese as cheap labor in their respective stores.

The work done by the New Chinese overseas Chinese is not only the hardest, most tiring and dirtiest, but also has a long time, and the hourly wages they get are much lower than the market price.

The reason why you are determined to eat them is that you bully them not speak Japanese. Once you leave China Street and go to work outside, it will be even more difficult.

Even if they have a legal identity in Japan, they still don’t know many things about RB different from China. Many of you even think they are helping them.

It seems that if you don’t give them a job, they will starve to death in RB. Who is the one who takes advantage of this is the one who knows the best.”

He paused for a moment when he said this, and then continued, "I always say something to you with my heart. I'll feel more at ease to lend money to the New Overseas Chinese than to the Old Overseas Chinese.

First of all, the New Chinese overseas Chinese were generally able to borrow 10,000 yen from me at the beginning. If you want to borrow a lot of money from me, you must have good credit.

How did this person’s credit be established with me? That is, you have borrowed money from me many times and can repay the loan with capital and interest in time.

Or you can take out valuable collateral, have a guarantor, etc. Besides, you also know what 10,000 yen can do today? At most, you can save money and let a person live for half a month.

However, to some extent, this can solve the urgent needs of some people. For example, it can provide them with children who need to pay school meals, kindergarten child care fees, etc.

This will prevent their children from being discriminated against or even bullying from campus and having the basic personality and dignity that a person should have.

Secondly, I generally set the time for lending for a week, which means giving them a time difference. Because I know that many shops on China Street do not pay according to the daily hourly salary settlement method, but deliberately ask new overseas Chinese to wait for the previous week before settlement of weekly salary and even monthly salary.

Various bills will not wait for anyone. Once the payment deadline is passed, there will not only be a liquidated damages, but also a suspension of your water, electricity, and gas supply.

If you have 10,000 yen in your hand, you will definitely be able to solve their urgent needs again. If you don’t pay it back when it expires, then there will probably be no next time in 10.

There is a well-known saying among Chinese people: the previous account is not clear, so I can’t open my mouth. The new Chinese are naturally very clear about the meaning of this saying.

Of course, if you really can't get out after the expiration, there is another way. That is, let it make a corresponding minimum installment repayment. This will naturally also make a corresponding settlement every week.

Again, Chinese are the most respectful nation in this world. Without any chance of failure, we will not borrow money from others.

After borrowing money, I always think about paying back other people’s money quickly, which has caused many people to not even sleep well.

In addition, when I meet the creditor on the road, I always feel embarrassed even if it has not expired. Only by paying off the other party’s money can the personality be restored to the equality of both parties.

What's more, New Overseas Chinese have not been around for a long time, and they often just go around in a small circle they have set, making it even harder to borrow money.

Who are the people who are with whom? They are poor, and the people they know are similar to them, and they are still poor. What extra money do you have to lend?

Therefore, borrowing money from me is the light of the right way. We will not be embarrassed to see the creditor. We are formal and legal micro-loan companies, and we will also make the borrowers decent.

New Chinese overseas Chinese have borrowed money from me, so there will be no inappropriate things in their minds. After all, Chinese people like to follow the crowd. As long as everyone is doing it, it is normal for me to do it.

Finally, especially the New Overseas Chinese who came from mainland China, whether it is the orphans left by history or whatever, it is a devastating boat.

They basically relocated their families, and they knew very well that they could never go back. The only way left was to live in RB with tears in their eyes. They would not borrow money and not repay it.

If I am short of money in the future, who should I borrow it? Borrowing money from me is the lowest interest rate in the industry. Therefore, I am ridiculed as a fool by my colleagues!

My eyes are not just about the so-called peers who focus on small profits, but about seeing the extreme long-term.

As long as the new overseas Chinese can survive the most difficult days in RB, they will get better day by day with their honest work and hard work in the future.
Chapter completed!