Chapter 078 The Art of Lending
Lin Yaren said indifferently: "I lend money, which depends on men and women, and it is more artistic. I account for a larger proportion of women lending, while men are small. Do you know why?"
Tang Weiwei suddenly remembered what he once said to him: "A pretty woman is money. As long as a woman is not ugly and not old, she can also make money for you."
"Look at what you said, it makes me look like a madam in a brothel or a turtle man? If you force a man to be too anxious, no matter how cowardly a person is, he can do anything.
As the saying goes, a rabbit is anxious and bites people. My principle is that it will not force others to destroy their families, which means that I prefer to lend money to men and women with families rather than single men and women.
They don’t care about themselves, but also about their children. If a housewife comes to borrow money, I will not only look at the other person’s clothes, but also on the other person’s hands.
A housewife who loves her family, her husband and children will not wear brand-name clothes, but will also clean up.
Similarly, her hands were rougher, they were the hands that did housework, not as white and delicate as a girl’s hands.” Lin Yaren said slowly.
Tang Weiwei turned her body toward him, stared at him with her chin with her left hand in her arms, and said thoughtfully: "It makes sense."
"If a man with a family loves his children, what if he doesn't buy Nintendo's red and white machine FC for his children?
This has begun to enter the RB family game console. Not only do children love to play, but adults also love to play, and it is also a good thing to promote the relationship and interaction of family members.
Unless he has no children after marriage or is too young, I will become more cautious in lending out before I see any valuable collateral.
These days, there are many men who ignore their wives and children and only care about their own spending time outside. There are many men who borrow money outside and push them all to their wives to pay back. There are also some men who borrow money outside.
As long as a man who is responsible to his family and wife and children is usually only temporarily in a tight position and urgently needs some capital turnover.
After all, many companies nowadays have to build teams from time to time, and do not put themselves in their shoes to consider the actual economic conditions of those men with family.
It is not easy to make money and support a whole family by one person. As a man, you cannot lose face, so it is also necessary to maintain good interpersonal relationships in the company.
They dare not disobey the company's and boss's intentions. Even if their pockets are empty, they must bite the bullet." Lin Yaren said jokingly.
After hearing what he said, Tang Weiwei thought about it for a moment, and it was indeed the case. She looked at him who was close to her and said, "Have you never met someone who doesn't pay back the debt?"
"I've met it!" Lin Yaren said bluntly.
"Then have you asked your subordinates to violently collect debts?" Tang Weiwei immediately remembered the scenes of debt collection in film and television dramas.
"No, absolutely nothing. If I encounter someone who owes me money, I will let my subordinates reason.
Let them tell each other one of the tragic experiences they have or have not had so that they can resonate with them. It is not easy for everyone to live. Why bother to make things difficult for each other?
If this move doesn't work, just use the loudspeaker to broadcast it repeatedly under the building so that the neighbors around you will know it." Lin Yaren said calmly.
"If even your move is not useful, the person who owes debt will not get in, he will not even have any shame, and he will be determined not to pay off the debt." Tang Weiwei asked with interest.
"Then I have another trick to make my subordinates pretend to commit suicide or die together. So far, the effect of this trick has been very good.
Of course, if even this move is not effective, just ignore the other party’s debt for the time being and stop disturbing him, so that he can mistakenly think that we have no way to deal with him, which creates an illusion for him that the debt will be understood in this way.
In fact, the interest is always calculated. As long as I have not accumulated a certain number, I will not sell the debt to a professional debt collection company to collect debts.
The purpose of this is to prevent the debtor from running away secretly overnight. At that time, where do you go to find him? Furthermore, the various expenses of sending a special person to find him are also a expense.
Even if this is considered to be on the debtor, it may not be able to be collected." Lin Yaren looked completely calm.
A cruel reality he understood better than Tang Weiwei is that as long as the debtors are not truly at the end of their lives, they will take the method of demolishing the east wall and filling the west wall to deal with their own debts.
All along, my interest rate in my peers is the lowest, not a little lower, but a lot lower, and it is easy to pay it. It is not that I have to squeeze people out before I can stop.
Loans without collateral are small, and even if they become dead accounts, they are completely acceptable to their own company.
The main source of income of his company is from the shop operators on China Street. They are all people with families and businesses, and they can’t run away from monks, but they can’t run away from temples.
Chinese are particularly respectful of face. These business people are more trustworthy than ordinary people. Even if the amount of loans is large, it does not mean that the risk will definitely be high.
Furthermore, RB's current economy is very good, and even small companies rarely suffer from employee salaries.
As long as the food in his own restaurant is not bad, there will always be business and can make money to pay back himself. So far, he has never encountered anyone who has completely taken debtors.
"What you said to me at the securities trading company in the central area that day was just scaring me?" Tang Wei smiled and said Yan Ruhua.
"No, I'm very serious. For example, many young office workers who have worked for a few years and have some small savings will invest their money into the stock market.
Although it is not common for people like you who just graduated and entered society and invested money into the stock market, there are also people. This is mainly about finding something to do, and it doesn’t matter whether you can make money or not.
As for girls, they have to get married early and late. The family won’t force them to find a job or something. The future blind dates will be work.
As long as you marry the right man, that's fine. If you are unlucky, marry the wrong man, it's my life that will be like this." Lin Yaren said seriously instead.
Chapter completed!