Helplessly look 【Habit Grooming Instrument】 In mall splendid, seems puts out a hand to grasp, is actually unattainable, that depression, makes obtains System joyful be diluted half. 眼睁睁看着【习惯培养仪】就在商城里熠熠生辉,好似伸手可握,实则遥不可及,那种郁闷,让得到系统的欣喜都被冲淡一半。 30000 block money is actually not anything, 11 days of time, Wang Yan can accumulate enough. 3万块钱其实不算什么,11天时间,汪言自己就能攒够。 However, now only has 8 hours. 但是,现在只有八个小时。 Wang Yan really does not have idea. 汪言真没辙。 In mother has about the 100000 deposit, but have no reason to borrow, has the reason to take without enough time, she does not have the net silver. 母亲手里有10万左右的存款,但是没理由借,有理由都来不及取,她都没有网银。 Other schoolmates, only then He Meng and Qiu Xiaogu can put out the 30000 block momentarily, but is not ripe. 其余的同学,只有何梦、邱小古能够随时拿出3万块,但是都不熟。 Otherwise...... asks He Meng, what needs to serve? 要不然……问问何梦,需不需要啥子服务？ Ponders, does not have the means that Wang Yan to close System sincerely, no longer caring. 左思右想,真心没办法,汪言只好关上系统,不再惦记。 Should not be our, waits for the signature at the end of the letter commodity...... 就不该是咱的,等下款商品吧…… Must look for a matter to do to alleviate the mood. 得找点事儿干缓解一下心情。 Wang Yan tilts the head thinks, opens Taobao again, prepares to study the air conditioning. 汪言歪头想想,再次打开淘宝,准备研究研究空调。 This year the temperature of middle area is too unusual, a winter has almost not snowed, in the summer does not rain, 35 degrees high temperature has continued for about a week, it is said over the next several days high temperature soon to 40 degrees. 今年中部地区的气温太反常了,一冬天几乎没下过雪,夏天又不下雨,35度的高温已经持续将近一个星期,据说未来几天最高温快要到40度。 The parents love dearly money not to hate to buy the air conditioning, Wang Yan are thinking, before on university, how must install one to them, otherwise in the evening sleeps too uncomfortably. 爸妈心疼钱舍不得买空调,汪言想着,上大学之前怎么都得给他俩装一台,要不然晚上睡觉太难受。 When the later money were many, buys a building to live for them again, ahead of time supports the family/home, then considers to spend wastefully the acting cool matter, otherwise always has the guilty conscience at heart. 等以后钱多了,再给他们买一栋楼房住,提前把家撑起来,然后再考虑大手大脚花钱装逼的事,不然心里头总有负罪感。 Is the excuse is not quite easy to look...... 就是借口不太好找…… Thinks must to the parents explain the money of where coming, Wang Yan was big, felt that also suffers the person compared with college entrance exam. 一想到要跟父母解释哪来的钱,汪言头都大了,感觉比高考还折磨人。 Is worrying, the next door front gate is sudden a lā lā chaotic sound, quick, a 20-year-old youth passed by from the courtyard wall, is the neighbor of Wang Yan, Wang Yunxi. 正犯愁着,隔壁院门突然咯啦啦一阵乱响,很快,一个20多岁的青年从院墙旁边路过,是汪言家的邻居,汪云喜。 „Does Brother Xizi, come back is so early today?” Greeting of Wang Yan politeness. “喜子哥,今天回来这么早？”汪言礼貌的打招呼。 „Yo, how Little Yan (small words) haven't you gone out to play?” “哟,小言你咋没出去玩？” „On today's temperature, who going out is plays whose ah?” Wang Yan complained. “就今天的温度,出去是谁玩谁啊？”汪言吐槽。 „How is not, broken weather really is hot strange!” “可不是咋的,破天气真特么热得邪乎！” Wang Yunxi grins the nod, digs up to twist white shirt, in the sweat is thin crash-bang falls place. 汪云喜咧嘴点头,把身上的白衬衫扒下来一拧,汗水稀里哗啦落一地。 „Little Yan (small words) wait a bit brother.” “小言你等会哥。” Wang Yunxi two steps leap up in the room, puts out half watermelon from the refrigerator, inserts two ladles, circumvents to arrive around Wang Yan, puts toward the table on. 汪云喜两步蹿进屋里,从冰箱里拿出半拉西瓜,插上两根勺子,翻墙来到汪言跟前,往桌子上一搁。 „Come, eats watermelon!” “来,吃西瓜！” Wang Yan not polite, took up the ladle to dig a bulk ruthlessly. 汪言没客气,拿起勺子就狠狠挖了一大块。 Wang Yunxi is not a bystander, was Wang Family just had/left the relative of five degree of mourning clothing, according to the rank calculates, even must manage Wang Yan to call the uncle. 汪云喜不是外人,是汪家刚出五服的亲戚,按辈分算,甚至得管汪言叫叔。 Lived in the time that to be long in the city, everyone not too tasteful that Wang Yunxi also managed the Wang Yan father to call Third Master, but with various Wang Yan theories various. 只是在城里住的时间久了,大家都不太讲究那个,汪云喜还管汪言父亲叫三爷,但是跟汪言各论各的。 Gnaws two watermelon, sweet, passing the heart is cool, Wang Yan summer heat disappears, results in comfortably does not want. 啃两口西瓜,甜滋滋,透心凉,汪言身上暑气顿消,舒服得不要不要的。 【Ding! You taste to delicacy watermelon, triggers mystery reward】 【叮！你品尝到美味的西瓜,触发神秘奖励】 【You obtain skill, therefore opens individual panel】 【你得到一项技能,并因此开启个人面板】 fuck! 卧槽！ Has not bought the lottery ticket for a lifetime, originally brother such luck?! 一辈子都没买过彩票,原来哥这么欧的么？！ Solid too much was pleasantly surprised, is a little startled Wang Yan unable to believe. 实在太特么惊喜了,惊得汪言都有点不敢相信。 1 probability, strikes the hit, do you dare to believe? 一的概率,一击命中,你敢信？ Such can luck, be...... can make the 30,000 block money skill?! 如此之欧,会不会是一个……能弄来三万块钱的技能？！ Hurries to open individual panel, instantaneously, 3 D Little Wang appears in the new contact surface. 赶紧打开个人面板,瞬间,一个3D小汪出现在新界面中。 【Host: Wang Yan】 【宿主:汪言】 【Basic Attributes: strength 64, physique 63, agility 68, intelligence 65】 【基础属性:力量64,体质63,敏捷68,智力65】 【skill: Foodie Spirit Sense】 【技能:吃货灵觉】 Foodie Spirit Sense is specially interesting skill. 吃货灵觉是一个特别有趣的技能。 However, are not related with money. 但是,跟钱没关系。 Wang Yan many are a little disappointed , to continue to look, also gradually is happy. 汪言多少有点失望,继续看下去,却又渐渐开心起来。 The annotation is: Passive Skill, you can the quality of vaguely perceive food, picking up is best. 注释是:被动技能,你可以模糊感知食材的品质,挑出其中最好的。 Wang Yan savors for quite a while, finally realized: Later selects watermelon not to need to fear that is not sweet. 汪言咂摸半天,终于意识到:以后挑西瓜不用怕不甜了。 The thin skin and full of liquid taste is surely good, fierce?! 必定皮薄水多口感好,厉不厉害？！ Although are not related with money, but Wang Yan is specially happy. 虽然跟钱没关系,但汪言还是特别开心。 Makes money in the final analysis to enjoy life, foodie skill enjoys ah! 赚钱说到底还是为了享受生活,吃货技能多享受啊！ Is Papa Ma rich? 马爸爸有钱吧? You throw to Papa Ma car(riage) watermelon, making him select delicious, do you look at him to have the method? 你扔给马爸爸一车西瓜,让他挑个最好吃的,你看他有招儿没？ he he, no? 嘿嘿,没有吧？ Wang Yan is really a specially easy satisfied silly child, felt own get to masterstrokes that hangs the dozen of the world big rich and powerful people, that depressed dissipated a moment ago immediately. 汪言真是个特别容易满足的傻孩子,觉得自己get到一项吊打全世界大富豪的神技,刚才那点郁闷顿时消散一空。 Then looks at Basic Attributes. 接下来再看基础属性。 System has annotation —— 系统有注释—— The adult male over 18 years old, attribute average value is 60 points, extreme limit is 100 points. 18岁以上的成年男性,属性平均值为60点,极限为100点。 60 average, over 70 outstanding, over 80 genius, over 90 god-given talent. 60点平均,70以上优秀,80以上天才,90以上天纵奇才。 Sees here, Wang Yan only thought that the head is painful. 看到这里,汪言只觉得脑瓜子生疼。 I special also really am ordinary, no below and ruled lines, no reaches the outstanding standard. 我特么还真是普通,没有一项在及格线以下,又没有一项达到优秀标准。 Actually according to the normal distribution, Wang Yan such person is overwhelming majorities in all living things. 其实按照正态分布来讲,汪言这样的人才是芸芸众生里的绝大多数。 Because, the evaluation of each attribute is very complex strict. 因为,每一个属性的评定都是非常复杂严格的。 Some person memories are good, but the logic is slightly bad, or the space imagination is slightly weak, the intelligence total score is not high. 有些人记性好,但逻辑略差,或者空间想象力略弱,智力总分就不高。 Some person heart and lungs endurances are very good, but on the bed the endurance is ordinary, physique is not high. 有些人心肺耐力特别好,但是床上耐力一般,体质就不高。 In brief, everyone has the respective advantage and flaw, the world overall is ordinary, god-given talent several hundred years have one, think. 总之,每个人都有各自的优势和缺陷,世界总体还是普通,天纵奇才几百年才出一个,想想就得了。 ...... …… Wang Yan digs big spoon of watermelon, moves at heart suddenly. 汪言又挖一大勺西瓜,心里突然一动。 „Brother Xizi, I remember that you do loan the company work in what? Concrete what's the matter?” “喜子哥,我记得你是在什么贷款公司工作吧？具体咋回事？” Wang Yunxi has not lifted, along with tastes: „credit petty loan. Hasn't heard?” 汪云喜头都没抬,随口道:“信用小额贷款。没听说过？” „No.” Wang Yan shakes the head, is actually interested at heart more and more, questioning anxiously, „brother you said.” “没。”汪言摇摇头,心里却越来越感兴趣,巴巴的追问,“哥你说说呗。” Idles is also idling, Wang Yunxi considers talks nonsense idly, with Wang Yan popular science. 闲着也是闲着,汪云喜就当是闲扯淡,跟汪言科普一番。 Credit Loan, is one type does not need to mortgage and does not need guarantee, takes individual credit as the loan of default guarantee. 信用贷款,是一种无需抵押、无需担保,以个人信用为还款保证的贷款。 Loaning sector of small credit loan, generally in the 5000-100000 Yuan. 小额信用贷的放款区间,一般在5000-10万元之间。 With letting loose of financial reform, the small credit loan is sweeping across the motherland at the extremely quick speed. 随着金融改革的放开,小额信用贷正在以极快的速度席卷神州大地。 Wang Yan usually too does not pay attention to outside matter, but online sees some news occasionally, probably the campus loan is making noisily, therefore to some small loan impressions. 汪言平时不太关注外面的事情,只是偶尔在网上看到一些新闻,好像校园贷正闹得沸沸扬扬的,因此对小贷有些印象。 Listened to a Wang Yunxi explanation, Wang Yan to master finally what's the matter. 听汪云喜一解释,汪言终于搞懂怎么回事了。 Nine characters then described: The black heart usury of low threshold. 九个字即可形容:低门槛的黑心高利贷。 Three years turn time of even conscience, interest high point company, two years can double. 三年翻倍就算良心的,利息高一点的公司,两年就能翻番。 „Is good to pull...... this thing also some people to borrow unexpectedly?” “好扯……这玩意居然还有人借？” Wang Yan cannot think through, Brother Xizi actually disdains to curl the lip: „Borrowed person are very many! Some person credits are not good to be short of money, where doesn't borrow in this money to leap naughty?” 汪言想不通,喜子哥却不屑撇嘴:“借的人还挺多呢！有些人征信不好又缺钱,不借这钱上哪淘腾去？” „Credit?” “征信？” „Is individual credit of People's Bank writing up reported, showed you do have the loan, to break a contract anything, after you graduate, buying the car(riage) purchases homes to manage the loan to need the credit to be good.” “就是人民银行出具的个人信用报告,显示你有没有贷款、违约啥的,等你毕业以后,买车买房办贷款都需要征信良好。” Wang Yan is suddenly enlighted: „Like Alipay sesame seed minute/share?” 汪言恍然大悟:“就像支付宝芝麻分呗？” „Right.” Wang Yunxi nods. “对。”汪云喜点点头。 „Our small loan only checks the credit, not on credit. After lending money, even if you, could not have made above individual credit report at least, does not affect the later regular loan.” “我们小贷只查征信,不上征信。借完钱以后,哪怕你不还,最起码闹不到个人信用报告上面去,不影响以后正规贷款。” Wang Yan is stunned: „Will that have many people to repudiate a debt?” 汪言愕然:“那岂不是会有很多人赖账？” „Otherwise you think that the interest why so high? It is not to cover the bad account with the urious interest! Definitely some people do not render back the money, so long as controls the good bad account rate/lead, company gains greatly gains especially.” “不然你以为利息为啥那么高？不就是要用高息来覆盖坏账么！肯定有人不还钱,但是只要控制好坏账率,公司还是大赚特赚。” „company gains Big Head, we follow to get rich, hā hā!” “公司赚大头,我们跟着发小财,哈哈！” Wang Yunxi hē hē is smiling, raises up a finger: „Last month, brother gained to this number!” 汪云喜呵呵笑着,竖起一根手指头:“上个月,哥赚到这个数！” Wang Yan eye one bright, blurted out: „brother, taking advantage of my 30,000!” 汪言眼睛一亮,脱口而出:“哥,借我三万！”