On the first day after school, Chen Kangjie heard classmates talking about the fact that the old man came to Liuzi. He was already a middle school student. After everyone came into contact with political classes, they also began to care about these things. Everyone was discussing them very fiercely. They told their sources of information, but Chen Kangjie sat in his seat without saying anything, as if he was not concerned about his own affairs.

"Chen Kangjie, have you seen the old man?" Fan Xuexi turned his head and asked.

"I guess Chen Kangjie must have seen him, otherwise he would not say a word." Before Chen Kangjie could speak, Zhang Qiang answered for him.

Not to mention, this guy was right after guessing. After following Chen Kangjie for a while, he became smarter.

"Hehe, of course I saw it. We still have dinner together every day. Do you believe it?" Chen Kangjie said with a smile after Zhang Qiang finished speaking.

"Just brag, you might as well say you're following you." Fan Xuexi was very disdainful of Chen Kangjie's 'shaming words'.

"Haha, you don't believe it, but I'm not so bad." Chen Kangjie was just free. Anyway, he told the truth, believing it or not is your business.

Before everyone could get out of the way, the bell rang in class. Others were listening attentively, and only Chen Kangjie was doing his own thing. He had to quickly write it out and hand it over to Li Wendong. Anyway, Chen Kangjie was written in English, and Zhang Qiang couldn't understand it at all. Besides, Zhang Qiang was used to Chen Kangjie always doing things he didn't understand at all in class.

By the end of April and early May, the sales statistics of Chen Kangjie's first book that he truly had intellectual property rights were released. In a whole month, the printing factory printed three times and sold more than 40 million copies. With the huge number of the first month as the basis, Li Wendong had already felt relieved that this book could sell more than 100 million copies.

Li Wendong simply regarded Chen Kangjie as the God of Wealth and the Star of Fortune. He was able to own the exclusive copyright of Chen Kangjie's book, which not only made a fortune, but also had a comfortable life. The company's development was booming. The only thing that was a little upset was those reporters who had no fun, and they couldn't find who was the real author. They all focused on him, and he must have known it anyway.

As a last resort, Li Wendong could only hide from small media and hide from big media. For big media, he should promote the company's image and other books he published as much as possible. Anyway, if you want to interview, you can only give you this information and ask about the identity of the author. That is absolutely impossible to tell. Without Chen Kangjie's permission, if you miss it, you will definitely offend the God of Wealth. It will be more than worth the loss, which makes him just sleep without wearing a mask.

By the end of April, the plan for the micro-loan company that Zhong Kefan and He Huiden had sorted out had been sorted out. Chen Kangjie thought it was feasible after reading it. According to the latest financial policies, without this regulation, Zhong Kefan and others went to the People's Bank of China for consultation and the reply they received was that the local government should apply for it.

"Mr. Jie, do you see if we apply for this or they will do it yourself." Ouyang Zhenhua asked while sitting on the sofa.

After the Chinese New Year, Ouyang Zhenhua was able to return to Hong Kong to rest for a few days. Other executives and employees who had been working overtime during the Chinese New Year were also given a week off and everyone went home to rest. After Ouyang Zhenhua handled Chen Kangjie's new book in Hong Kong, he received a call from Zhong Kefan and others, saying that the plan had been improved and he was back.

For this plan, Zhong Kefan and his friends went to Singapore and Hong Kong specifically. They still followed Chen Kangjie's opinion. Anyway, they could spend money on public funds. If they did not come up with a satisfactory plan, they would not only not get this attractive position, but also face the risk of unemployment, so they would fight to the death.

In addition to foreign countries, they also conducted a month of inspection and study in Mingzhu and Pengcheng. In Liushuipan, they spent more than a month specifically understanding the needs of small and medium-sized enterprises, individual businesses, and ordinary people for micro loans, and studied how to avoid risks. They even read the current laws and regulations, but could not find restrictions, and of course they could not find encouragement and support.

The total 120,000 yuan allocated to them was not used up, and only more than 60,000 yuan was spent. The two of them visited other places, staying in cheap hotels, and they did not stay in high-end hotels when they went abroad. They chose an economical hotel. In Liushuipan, they almost didn't spend much public funds. They went to the township and they were asking for their salary. Anyway, their salary had increased several times. From this perspective, Chen Kangjie was also an investigation of them. If they really spent 120,000 yuan, Chen Kangjie would feel uncomfortable. This was not Chen Kangjie's stinginess, nor was it because he could not afford the money, but because he was related to the work they were going to do.

When building a small loan company like this, character is very important. If you don’t have the diligence and thriftiness of being dedicated to the public, you will easily make mistakes. Those who spend money big will definitely be arbitrary in terms of loan approval and inspection, and it is difficult to strictly control every joint.

When Ouyang Zhenhua met Zhong Kefan and He Huideng, he found that they had almost lost weight. It seemed that these few months had not been in vain and had spent a lot of effort and thought.

"Leave it to them. Only by getting these things from beginning to end can you clear them. At most, give them some advice," Chen Kangjie stood near the window and said without thinking.

If Chen Kangjie comes forward, it is indeed easy, but Zhong Kefan and the others will lack a chance to exercise.

When Ouyang Zhenhua conveyed Chen Kangjie's meaning to Zhong Kefan and He Huideng, the two did not shirk it. This was their responsibility. Ouyang Zhenhua also allowed them to set up a preparatory office, and the office location was temporarily in Master Kong's company, where they took out a room for them to work.

When establishing a preparatory office, we need to recruit staff and organize documents. For this reason, the two recruited five employees, three men and two women. They are their alumni and Chen Kangjie's alumni. The other three came to Shancheng University, Mingzhu University and Strait University. They had no majors required to major in finance. There was a girl who was a secretary who was a marketing major. They were willing to come because they had a fancy to Hongyuan's background and high salary. Once such a startup company developed, these veterans were very likely to become senior executives.

After Zhong Kefan and the others sorted out the application documents, they went to find Chen Qigang. When Chen Qigang got the document, he thought it was a good thing, but the district could not handle it, so they had to find He Baoguo and the city applied to the relevant departments.

He Baoguo spent a morning studying the materials of Zhong Kefan and others, and felt that once they succeeded, they would be like a drizzle of local small and medium-sized enterprises. He called Zhong Kefan and He Huideng for an interview, and then took them to the higher People's Bank of China in the name of the municipal government. Zhong Kefan and He Huideng dealt with senior government officials for the first time with their work relationships. It felt that this was actually the case. The leaders were easy to get along with.

From the People's Bank of China, they brought back two information. First, the investment ratio of a single investor of a microfinance company cannot exceed 10%, and secondly, their loan interest rate is the lowest 90% of the commercial loan interest rate set by the People's Bank of China. In other words, the interest rate of a microfinance company is low.

These two problems are not a problem for Chen Kangjie. The single investor should not exceed 10%, which means at least ten investors are required. Chen Kangjie plans to ask Guohao Aircraft to invest 80 million, Tengfei Automobile to invest 80 million, Anycall Communication to invest 80 million, Mengting Tourism invest 80 million, Free Semiconductor invest 80 million, Warwick Software invest 80 million, Coy Electronics invest 80 million, Qiantong Logistics invest 30 million, Tongda Expressway invest 80 million, Ouyang Zhenhua personally invest 80 million, Zhong Kefan and He Huiden each invest 25 million, and together eleven legal persons invest 800 million, after each subsidiary contributes, Hongyuan will subsidize these investments to them. Anyway, Chen Kangjie has already arranged 130 million US dollars as the capital of the microfinance company.

Zhong Kefan and He Huideng didn't expect that they had 25 million yuan in capital, and they had no money to pay. If they had 2500 yuan, they could barely take it out. 25 million yuan would never dare to think about it in their entire lives. Ouyang Zhenhua told them that the company gave them advance funds. Of course, the 50 million yuan could not be said to be given to them all, and it was a reward for senior executives. As for how to distribute it, they would share it themselves in the future.

As for the interest rate issue, Chen Kangjie did not intend to make money by relying on micro-loan companies. What he was worried about is that the People's Bank of China set high interest rates. If the loan interest rate is high, it will increase the burden on small and medium-sized enterprises and entrepreneurs. Instead, it is welcome to low loan interest rates. Chen Kangjie's reply was calculated based on 90% of the minimum loan interest rate of commercial banks. The acquisition of interest is as the company's management expenses, and the lending risk is controlled within a reasonable range.

The company's name is Chen Kangjie named Liming Microfinance Company. Under the coordination of the municipal government, a six-story old office building in the Municipal Federation of Trade Unions was sold to Liming Company at a fair price. This building is always a bit old, but the location is good. On the street in the city center, Liming Microfinance Company spent 5 million to renovate and renovate it. After the exterior walls, interior walls, roofs, doors, windows, and floors were all renovated, and modern office utensils were installed. It is like a company with the fresh atmosphere of the times. Buying this building is to save time. The Federation of Trade Unions can also get some money, otherwise their office building would be almost half idle. With this money, they can do something else.
Chapter completed!