I am a demonic cultivator, not a capitalist with a conscience.

Chapter 436 These people are so evil! (46)

Ziqi Donglai Lending Company is a medium-sized lending institution located near Changsheng University, with a registered capital of 100 million yuan.

Fifty salespeople support this organization, and their annual income is not low, with the highest individual monthly income reaching 100,000 yuan.

As the new students entered school, they had already bought cow and horse extracts, given themselves health boosters, and taken a "vitality pill" morning and night, all in the hopes of making thousands of deals and lending out hundreds of millions of dollars during this golden September.

At first, things were going well. Sales continued to rise in the first ten days, giving them hope of breaking previous records and reaching new limits.

The organization's owner made grand promises and offered various benefits, even preparing large posters in advance, all to give a big publicity boost when the record high was broken and to showcase the organization's strength.

But in the last two days, the situation has taken a sharp turn for the worse.

The number of people coming for loans began to drop by half. Today it dropped by half, the next day by the knee, and by the third day it had already dropped to the ankle.

Even the number of people coming to inquire is decreasing, and when they do come, their first question is always, "Do you have interest-free loans here? If not, I'll go ask somewhere else."

The organization owner initially thought they were just there to cause trouble, but when one person did this, then two did it, and then all the others did it, something was definitely wrong.

I thought it was bad enough that no one was coming to apply for loans, but reality always likes to kick someone when they're down.

Today, former students came to repay their loans.

Upon seeing that the other party had applied for early repayment, the boss personally received them and said that as long as the other party was willing to answer a few questions, he could round down the interest of 13.2 yuan for the ten days.

Faced with such a stingy boss, the student had only one word: "Get out!"

Subsequently, more than a dozen students came to repay their loans, which caused the agency's transaction volume to turn negative, making the boss feel extremely uneasy.

Finally, when the twenty-first student came to repay the loan, he hesitantly chose to waive the interest and asked if he could ask a few questions.

The student looked at the interest that had been waived and found it amounted to fifty dollars.

We can have an extra meal now.

For the sake of the money, the student nodded and said, "Alright, ask away."

"Where did you get your money?"

"You didn't know?" the student asked in surprise. "I thought your organization knew. There are people offering interest-free loans now."

"You must be dreaming."

"It's true. Now, you can get a loan limit by playing the 'Big Capitalist' game. You get 2,000 yuan for each win, and you can borrow up to 400,000 yuan. I was lucky, and my friends and I finally won 100,000 yuan, so I came here to pay off my loan and then go back to get another one."

The boss looked at the student suspiciously and waved for him to leave.

This kid must be obsessed with money.
He had never even heard of interest-free loans. In fact, those who create dreams wouldn't dare to include such a thing in their dreams, for fear that players would laugh themselves awake if they saw it.

Now you're telling me someone's offering interest-free loans?
Their loans have a minimum interest rate of 25%, and they were in high demand as soon as they were released, so they had no worries about the market.

If you want to make money, we won't say anything if you achieve a 20% return; that means you're capable.

It's like you come over and slash me with a knife; that means you're really capable, bro.

But what's the meaning of bringing a meat grinder over here?
Trying to calm himself down, the boss joined the exclusive group chat for the organization's owners, intending to ask about everyone's situation, only to find that the group, which he hadn't logged into in a long time, had exploded.

Just a few days ago, the boss here was still showing off the loan amount his institution had been disbursing these days. A group of people were already preparing for a bumper harvest and had even pre-ordered new flying shuttle magic tools.

Unexpectedly, the loan amount plummeted instantly. Some business owners had borrowed money, and now their money was being siphoned off every day. They were extremely worried.

Moreover, since everyone knows that September is the time when students start school, fresh college students, especially those from remote areas, are particularly easy to fool. With just a little persuasion, they will fill up their credit limit.

Therefore, the interest rates on the loans they borrowed were also shockingly high, but unexpectedly, these college students suddenly stopped taking out loans. Why wouldn't you lend them money!
If you don't lend us money, how can we have any income and how can we earn rebates?
How can college students these days be so bad!

After browsing through the group chat, the owner of Ziqi Donglai discovered that this was not an isolated incident; everyone was worried about how to lend out their money.

[I haven't been able to lend out any loans these past few days. It was one thing for freshmen not to take out loans, but now sophomores and juniors are coming to repay them. I have tens of millions in savings, and the daily interest alone is tens of thousands. What am I going to do?]

Same here. I want to pay back the money, but my superiors won't allow it; even if I pay out of my own pocket, they won't let me pay it back early.

【Why? 】

They also face significant loan pressure; they have hundreds of millions of yuan on hand that they can't lend out, and they don't want to collect them back either.

Do you know who's behind this?

[The other group said it's Tianyuan Chenguang Co., Ltd. offering interest-free loans! What the hell, doing something like this at this time?! They've betrayed the bourgeoisie!]

[How much money does he have that he keeps lending out?]

[I don't know, but some analysts have suggested that he has already lent out 1 billion yuan, yet the disbursement speed is still very fast, indicating that the other party has ample funds.]

[No attenuation or limitations?]

No, they're incredibly generous, almost as if they hate money. A conservative estimate is that they have between 20 and 30 billion in reserves.

【hiss……】

The boss, whose face was trembling as he watched the constantly scrolling messages, was a picture of auspicious purple clouds rising from the east.

Good heavens!

Where did this financial tycoon come from?

Two or three hundred billion is enough to shake up the market. Based on the average loan of 120,000 yuan for college students, this amount is enough to satisfy the appetite of more than 200,000 college students.

The total number of students admitted to all universities in Changsheng Prefecture each year is around 200,000.

Such precise figures made the owner of Ziqi Donglai feel that something was amiss.

He wasn't very sensitive to current events, but he was very good at figuring out what his superiors meant.

After comparing these figures, he shared his findings in the group chat, which quieted down the previously lively discussion.

Although the communication was online, the owner of Ziqi Donglai still felt as if he had fallen into an ice cave.

After what seemed like an eternity, someone cautiously asked, "You mean, the other side is planning to sabotage us?"

[Possibly! But how could a small company like Tianyuan, with revenue of only a few billion last year, suddenly have so many reserves?]

[It's the upper echelons, absolutely the upper echelons of Changsheng Prefecture, targeting us!]

Could it be that they've seen the loan business is lucrative, so they've come to deal with us?

【We've already taken care of it!】

Who wouldn't want to earn more money!

[It must be like this! Chenguang is too evil, Tianyuan is too evil, Changsheng Prefecture is too evil!]

(End of this chapter)