I'm reborn and I'm an international student again?

"By the way, when are you and my daughter planning to get married?" After chatting for a while, Kosuke Saeki changed the subject.

"Cough cough, huh? I don't know." Chen Xi choked on the sudden question.

"Dad, what are you saying? It seems too early now..." Saori said coquettishly, a little embarrassed.

She had only graduated a few years ago, and suddenly they were talking about marriage; she wasn't prepared at all.

Although what she really wanted to say was...

"Oh, I was just asking casually. It seems like there's a lot going on right now." Kosuke Saeki glanced at the three people's reactions.

Chen Xi and Saori were caught off guard, while Saeki Masako remained silent.

If his wife doesn't object, it means she's fairly satisfied with this guy.

I originally wanted to give this kid an advisory position at the agricultural cooperative, but a lot of people objected. Maybe I should find another opportunity to get him some business in Japan; otherwise, he might take his daughter and leave after getting married and never come back.

After all, he's a foreigner; we'd have to spend a lot of money to keep him.

Kosuke Saeki was thinking in his mind.

On the banks of a river in Fukuoka Prefecture, two young men were lying on the ground, each with a blade of grass between their teeth.

"Hey Yamamoto, I helped you solve a big case this time, how are you going to thank me?" Tian Zhongyou suddenly turned to the side, winking and rubbing his fingers together.
"Thank you for what? Shouldn't you be thanking me? Not only did you get a chance to show off, but you also helped your friend through a crisis." Yamamoto, dressed in a police uniform, spoke slowly, the river breeze ruffling the young man's bangs, revealing a smile hidden in the shadows.

"I don't have any cash, but please help me promote this business in the future. I haven't had any customers in a long time."

"With your half-baked skills, without me clarifying the clues for you, you'd only be making a fool of yourself by showing up."

"Fine, fine, you had good grades back in school, and now you're a policeman, so you can say whatever you want." Tian Zhongyou rolled his eyes.

"Alright, it's time. They said they're coming to pick me up, so I have to go to the hospital." Yamamoto glanced at his watch and suddenly remembered Ise Sogetsu. He stood up, brushed the grass off his clothes, turned around, and waved as he walked away, as if to say hello.

"No way! We finally solved such a big case, and we didn't get any reward. That's too much of a loss!" Tian Zhongyou said angrily as he sat up.

"Drip drip."

Just then, his phone rang.

"Moshi moshi, it's me. Detective Tian Zhongyou is... What, you have a mission? Okay, okay, I'll be right there..."

"Beep beep beep." After hanging up, the phone rang again.

"It's me, the future Superintendent General of Police, Tian Zhongyou. ...The jewelry theft case? A reward of twenty million Japanese yen? I'll be back at the office soon, so don't leave..."

Tian Zhongyou excitedly put his phone in his pocket, looked up at the sky, and the afterglow of the setting sun gilded his silhouette.

Suddenly, he raised his right fist and pointed it straight to the sky: "Haha, my name, Tian Zhongyou, will one day resound throughout the entire neon world!"

A month later, Chen Xi recovered from his injuries and returned to China.

Huajing.

"Mr. Chen, since you've been out of the country for a while, I've discussed with everyone and we're planning to add some new financial services. This was something everyone agreed to at the beginning of the project. Take a look..." Duan Yixiong pushed several documents in front of him.

Chen Xi raised his eyelids and looked at the three words on the paper: Water Finance.

Looking further down, it seems to be no different from ordinary financial loan products. Although the interest rate is somewhat high, it is not ridiculously high.

However, the details below made Chen Xi frown.

Just like in the previous life, the water dispensers deployed in the city have not only entered residential communities, but have also entered various schools.

"23% annualized interest, calculated using simple interest. It's completely different from the student loans on the market. There are no hidden compound calculations, and no nude photos or other irregularities. Don't worry," Duan Yixiong said with a grin, seemingly trying to shut down anything the other person wanted to say.

“If you entrust the lending to an agency, can you guarantee they will follow the rules? There's a crackdown right now, and many former thugs have switched to debt collection, and these are all students. Where do they get the money to repay their debts? In the end, their parents have to pay for them. If their families aren't well-off, they'll resort to robbing Peter to pay Paul, using other unregulated platforms as an excuse to cover their debts.” After waiting for a while, Chen Xi slowly put down the documents in his hand.

"Please, we're businessmen, not philanthropists. You're helping them now, but what if you have to take care of them after they enter the workforce? Borrowing money is their freedom, and we didn't force them." Duan Yixiong slapped his forehead. He thought Chen Xi would agree, but this is what happened.

"I think Mr. Duan is right. If we look at it from another angle, our low interest rates and legitimate practices can help young people avoid falling into the traps of other unregulated platforms."

"That's right, our platform is legal and compliant. If we don't do this or that, how can we do business?"

The two CEOs of Huaxing, Wang Tong and Pu Jian, echoed each other.

Chen Xi looked at the three of them: "I understand these reasons, and what you said is not wrong. But campus loans have been around for many years, and as far as I know, the authorities are preparing to crack down on this, and it will be a surprise attack."

"How come I didn't know about this news? When did it happen?" Sun Dixun, who hadn't spoken until now, suddenly spoke up to disagree.

Chen Xi glanced at the old man and chuckled, "You should know, what kind of surprise attack is this? As for the timeframe, it'll probably only be two years at most. If we expand the business now, everyone will only lose money."

"Hmph, I think you're joking. You should be the one sitting on the Leshan Giant Buddha." Duan Yixiong said with a face full of disdain.

"How about we make a bet?" Chen Xi said with a smirk.

"What are you gambling?"

"You have your projects you want to pursue, and I have mine. Let's bet that the government will intervene to regulate this within a year. If I lose, you can do whatever you want with these projects. If I win..."

"Sure!" Duan Yixiong and the others agreed without hesitation.

Wang Zhi, standing to the side, remained calm and silent.

Wang Xianqi, however, kept pressing buttons on his phone, seemingly doing nothing.

“I think the financial market for urban populations is already saturated. We should focus on the rural market instead. There are still 5.6 million rural residents nationwide, 76% of whom have never used formal credit services. Traditional rural credit cooperatives offer small loan amounts and slow processes, which simply cannot meet the needs of modern farmers. Why not create a rural loan program? Farmers can use planting contracts, agricultural machinery, or even future harvests as credit criteria. Then, they can click on the loan on our platform and be matched with institutions cooperating with rural credit cooperatives or banks. This would also help the development of agriculture, rural areas, and farmers…” Feng Yun, eager to lend, spoke up at this point.

What Feng Yun said was similar to the system his company used in his previous life; back then, their loan products were developed in cooperation with Post Office Bank and credit unions.
“Mr. Feng is right, we should do that too. But it’s easier to get loans in the city right now, since the bad debt rate is lower,” Duan Yixiong agreed with a smile.

Since everyone is making money, they won't go against each other. Duan Yixiong and Feng Yun are now as close as brothers.

“That’s acceptable,” Chen Xi said without objection.

After all, operating a company requires a huge amount of capital, and lending to farmers is also a policy from above.

Seeing that Chen Xidu had agreed, Duan Yixiong nodded in satisfaction.

"The project has already started operating, and the initial investment is larger than we imagined. We need a lot of small projects with high returns and quick profits to support the overall operation. So I still think it would be better if Water Finance started sooner," Sun Dixun said, speaking like a finance manager. "Didn't Sun Xing hear about the bet just now? Is he too busy and fell asleep?" Chen Xi teased.

That old bastard is definitely trying to make money to cover his own financial losses. Dream on!

Chen Xi sneered inwardly.

Where does this financial funding come from?

Most of the funding came from the financial institutions recommended by Sun Dixun.

"President Chen, it doesn't seem right for you to delay the company's profits based on just a guess," Sun Dixun retorted, but was quickly kicked in return.

He glanced at Park Gun next to him, who was winking at him, so he had no choice but to shut his mouth.

In the eyes of others, Chen Xi was likely to lose this bet.

Just when the situation was extremely awkward, Feng Yun spoke up: "There are many logistics companies now, and the competition is fierce. Especially with Huodudu, which has emerged in the south, they are doing very well in Southeast Asia and will probably sweep the national market in a few years. Therefore, we need to develop some unique features that are unique to us."

"I wonder what Mr. Feng is referring to..." Duan Yixiong looked at the other party curiously.

"That's medicine delivery! As we all know, logistics and delivery services nowadays cover all kinds of products, but medicine delivery is not available. Many people are sick at night and cannot go out to buy medicine, especially single people..." Feng Yun said enthusiastically about his plan.

Chen Xi listened while secretly smiling to himself.

Others might not know much about this, but he knew it all.

In his previous life, after Feng Yun acquired Ele.me, he started to make some interesting moves, and drug delivery was also piloted. That was around last year.

Some pharmacies in Guangdong Province have started to cooperate with Ele.me to start drug delivery services.

However, drug delivery is different from other items. If there is a problem or something happens to the medicine that the consumer bought, it will be very troublesome. Moreover, prescription drugs cannot be purchased at will.

The State Food and Drug Administration once issued internet drug transaction licenses, but in reality, their use is not widespread, and these licenses are extremely difficult to obtain; generally, only companies with ties to Chinese-owned enterprises hold them. However, the online sale of prescription drugs has remained closed.

Feng Yun brought this up in a hurry not because he was afraid someone would steal his logistics business, but because his Eleba store didn't have a license to sell medicine.

In other words, he wanted to take this opportunity to get a license to start a business.

In his previous life, Wang Zhi had obtained this certificate. Feng Yun knew that the other party was very capable in this area, so he deliberately glanced to the side when speaking.

"Mr. Feng's idea is excellent. I see that it's very troublesome for people in rural areas to see a doctor and buy medicine. This home delivery service is perfect." Duan Yixiong nodded vigorously.

"Forget about the rural market. There are medical stations in every village, and rural people won't be willing to pay such expensive delivery fees. This stuff might work in the city..." Chen Xi poured cold water on the other party's hopes.

Duan Yixiong didn't retort after hearing this. He didn't want to clash with Chen Xiqi right now because of the bet.

After listening to Feng Yun's words, Wang Zhi thought for a moment and then nodded and said, "Mr. Feng, this is a good idea. I'll go and discuss it with him later."

Wang Zhi basically didn't contribute any money; his only role was to handle things that money couldn't solve.

So far, the atmosphere at the meeting seems to be quite good, and everyone is quite united in their commitment to making money.

After the meeting ended, everyone arranged to have dinner together. Wang Zhi, walking at the back, glanced back at his son, who was still clutching his phone, and said in a slightly annoyed low voice, "I don't know why you're always on your phone. During the meeting, you were looking down the whole time. What's so interesting on your phone? Pretty girls or games?"

Seeing that his father was angry, Wang Xianqi reluctantly put his phone into his pocket.

However, the screen in the pocket remained lit, showing a beautiful woman dealing cards.

Wang Xianqi has recently become addicted to online games, and the number in his bank account is decreasing every day, but Wang Zhi is completely unaware of it.

"Did the brokerage fee for that deal we discussed last time get deposited into your account?"

"The money has arrived, and I've kept it all safe, don't worry."

Wang Xianqi was startled by his father's sudden question.

As Wang Zhi turned away, he silently wiped the sweat from his brow, making up his mind that he would stay up all night to make up for the money.

Headquarters of the Association of Young Returnees

Zheng Wei, with a serious expression, spoke into the microphone: "Patriotism is the deepest and most enduring emotion in the world. As returned overseas students, no matter where we are, our roots are always in China. We must always remember that our personal development must be closely linked to the future and destiny of the country. We must consciously resist the erosion of unhealthy ideologies, resolutely safeguard national sovereignty, security, and development interests, be firm practitioners of core values, and always share the same breath and destiny with our motherland..."

The audience below the stage were all dozing off with their eyes half-closed, and even Xu Yun, who was sitting next to Zheng Wei, couldn't stay awake any longer.

Linxi has been busy with business in Shanghai lately. Xu Yun, who took over the association, was initially happy for a while, but then discovered that the association wasn't so easy to manage. This was because the guide, Zheng Wei, always spoke in a bureaucratic tone, and recently, for some reason, he started frantically trying to change their minds.

After the meeting, once everyone had dispersed, Zheng Wei glanced at Xu Yun and said, "Secretary-General, as one of the association's leaders, shouldn't you pay more attention to a certain issue?"

Xu Yun yawned: "Everyone here has studied abroad and doesn't like listening to this stuff. I think this publicity is a bit excessive, a small meeting every week and a big meeting every month. Now fewer and fewer people are coming to the meetings; everyone's starting to make excuses for not being able to come..."

Before she could finish speaking, Zheng Wei interrupted her: "They're both returned from studying abroad, but look at Chairman Yang's side. They take notes diligently during meetings. That's the difference! No matter how well the association is run, if it goes astray, nothing else matters."

Xu Yun secretly rolled her eyes at the serious-looking man.

She even began to suspect that Zheng Wei might have studied abroad in the north.

"Alright, let's talk about something else. To enhance cooperation among returnees and promote local development, the higher-ups are considering having all returnee associations participate in a project."

"what is that?"

"The Silk Road!"

"Ok?"

"Such a big project, and you want us to participate?"

“That’s right. Each role in this project has a different function. The Overseas Returnees Association can better connect with international companies because there are so many countries involved that the relevant departments are simply overwhelmed. That’s one of the reasons why I’ve been working on your mindset lately. But please, under no circumstances should you let your personal interests affect national policy…”

"This... I still need to discuss it with Linxi and Chenxi."

"Well, I'm telling you this now so I can give you a heads-up. I hope both of them can attend the next meeting. All the senior members of our association will be gathered there to discuss this. I think there's a lot going on in the association right now, and you're finding it a bit overwhelming. I heard Chen Xi is back, so let him take over your work..."

After Zheng Wei finished speaking, he left the meeting room.

"Who do you think you are! A foreign student who just came back from North Korea." Xu Yun pouted angrily after being criticized. (End of Chapter)