Digs up the food, takes a bath, wells up exhaustedly, Wang Yan is also tired is hot and hungry, sticks out one's tongue. 扒完饭,洗个澡,疲惫涌上来,汪言又累又热又饿,直吐舌头。 The big summer, tosses about everywhere is not really easy. 大夏天的,到处折腾真是不容易。 If the trolley were good, held the air conditioning to blow the breeze, comfortable was managing the matter, why to endure hardships. 要是有一台车就好了,开着空调吹着小风,舒舒服服就把事儿办了,何必这么遭罪。 Un, when money Zangou, must raise a trolley! 嗯,等钱攒够了,一定要去提一台车！ Probably Audi A4L is good, the outlook fashion, the price enough scale, opens when the time comes in the university campus, certainly very eye-catching! 好像奥迪A4L就不错,外型时尚,价格够档次,到时候开在大学校园里,一定很拉风！ Actually Wang Yan simply has not experienced any expensive car, the child of ghetto birth, before without welcoming relocation, is a rural kid. 其实汪言根本没有见识过什么豪车,城中村出生的崽,没迎来拆迁之前就是一个农村娃。 Even if luck good really to open, at the most is still upstart rich. 就算运气好真拆了,顶天也就是一个暴发户。 These arrive at the campus entrance, meets in the model that the children are on vacation from school, Wang Yan most appreciates is A4L, depending on the outlook recognized purely this is the good car(riage). 那些开到校园门口,来接子女放学的车型里,汪言最欣赏的就是A4L,纯凭外型认定这是好车。 The eye-catching that YY is opening A4L, Wang Yan falls asleep gradually. YY一阵开着A4L的拉风,汪言渐渐睡着。 Yesterday lay down but tossed about unable to fall asleep early, starting today tossed about one early in the morning in the morning, he was really tired. 昨天躺下的早但翻来覆去睡不着,今天起个大早又折腾一上午,他是真的累了。 In the dream, in the sky interweaves a palace by the ray, in the palace the beautiful woman is floating about like clouds, carries offering throne that the delicacy good wine is keeping, in the main hall is pushing various countries' trench (wallet warrior) business, is brandishing various type novel thing, tries to seize one of the kings to smile. 在梦里,天空中以光芒交织成一座宫殿,宫殿里美女如云,端着珍馐美酒不停的奉上王座,大殿中挤着各国壕商,挥舞着各式新奇玩意,试图搏取王之一笑。 On the throne that person, the stance is comfortable, aura such as mountain Sihai, actually cannot see clearly the facial features. 王座上那人,姿态闲适,气场如山似海,却看不清面容。 Who is that? 那是谁？ ...... …… Woke up from the messy dreamland, manages the card big brother to make the call. 从乱七八糟的梦境里醒来,办证的大哥来电话了。 „Handled? Good, I pass immediately!” “搞定了？好,我马上过去！” ...... …… Very simple two kinds thing, collected the Wang Yan 300 dollars. 很简单的两样东西,收了汪言300块钱。 Abandons in the document to press toward Education Bureau with the radish chapter, two seals basically agree, the craftsmanship is quite good. 拿萝卜章往教育局废弃文件上一按,两枚印章基本一致,手艺相当不错。 Very good, value! 很好,值！ As for that payment form, Wang Yan air/Qi made 30, can use up does not say, makes contribution in any case. 至于那张缴费单子,汪言一气做了30张,能不能用光不好说,反正就尽力呗。 Goes out goes home directly, in the village photocopying society the blank income of fixed form showed that prints 30, the hand fills in one by one, then stamps. 出门直接回家,在村口复印社将固定格式的空白收入证明打印30份,挨个手填,然后盖章。 Receives the thing, Wang Yan careful inventorying, basically entire. 收好东西,汪言仔细一盘点,基本全了。 Only misses is the same: Individual credit report. 只差一样:个人征信报告。 Wang Yan registers the People's Bank credit center with new phone number, by the Liu Dapeng status registration, inquired individual credit information, preserved PDF. 汪言用新手机号登录人民银行征信中心,以刘大朋身份注册,查询个人信用信息,保存PDF。 Takes the complete set fellows, valiant spirited, directly soars the financial street. 带上全套家伙,雄赳赳气昂昂,直奔金融街。 Now has not rented the house, definitely cannot look for Lake and Sea, Wang Yan very right side a first shop along with the entering street of nature. 现在没租下来房子,肯定不能去找湖海,汪言很随性的走进马路右侧第一间门店。 This named prosperous rich company, a building has not even repaired, several spatial rooms and waiting areas that separate are empty, only then in front of staircase alone is poking an information desk. 这家名叫昌富的公司,一楼甚至都没装修好,隔出来的几个空房间和等候区空无一物,只有楼梯前面孤零零的杵着一个咨询台。 Wang Yan „I want to loan”, the onstage shouted a salesman quickly. 汪言一句“我想贷款”,前台很快叫下来一个营销员。 dēng dēng dēng dēng high-heeled shoes knock the place slightly runs, what getting down is young woman, seems like Wang Yan that even compares has not deliberately shaved to be immature. 噔噔噔噔一阵高跟鞋敲地的小跑,下来的是个年轻的姑娘,看上去甚至比刻意没刮胡子的汪言还稚嫩。 The Wang Yan skin is poor, black coarse, stubble that in addition sobbed, seemed like 20 over, therefore that woman came up on one „big brother”. 汪言皮肤不怎么好,偏黑偏糙,再加上唏嘘的胡茬,看起来像是20出头,于是那个姑娘上来就一句“大哥”。 Wang Yan is repressing laughter, goes upstairs with her. 汪言忍着笑,跟她上楼。 First gave regards in the staircase, needs to go to the home to inspect. 在楼梯里先问好,需不需要去家里查验。 That woman returns said: „You, so long as does not handle the real estate mortgage loan, or does not provide the housing contract, does not need to come to confirm the housing situation.” 那姑娘回道:“您只要不办理房产抵押贷款,或者不提供购房合同,就不需要上门验证住房情况。” That is good, starts to fill in the form. 那就好,开始填单子。 Does fills up the topic time, that woman agitation: „big brother, you can apply for 80000 Yuan Credit Loan directly, at the situations of institutions and 7000 monthly salaries, above even sells at a discount, will give you to approve the 60000 Yuan.” 做填空题的时候,那姑娘一个劲的鼓动:“大哥,您可以直接申请8万元的信用贷款,以您事业单位、7000月薪的情况,上面即使打折扣,都会给您批下来6万元。” Wang Yan persists in only applying for the 40000 Yuan. 汪言坚持只申请4万元。 It is not does not want to receive more money, but has the overall situation at heart. 不是不想拿到更多钱,而是心里有全局。 According to the view of Brother Xizi, small loan company has above very important classifying —— 50000, below 50000. 按照喜子哥的说法,小贷公司有个很重要的分档——5万以上,5万以下。 Once applied for the fund to surpass 50000, not only the verification will be more careful, the probability of but also being executed reached as high as 50, the application quota was higher, more difficult batch. 一旦申请款项超过5万,不但审核会更细致,而且被毙掉的概率高达50,申请额度越高,越难批下来。 Applied for 40000, in credit not bad situation, direct the probability had 90. 申请4万,在征信不差的情况下,直接过的概率有90。 Goes to 20 small loan company to make loans the 20 times, applied for 50000 each time, has examined probability 50, finally succeeded in obtaining 500000. 去20家小贷公司做20次贷款,每次申请5万,过审概率50,最终到手50万。 Applied for 40000 each time, has examined probability 90, finally succeeded in obtaining 720000. 每次申请4万,过审概率90,最终到手72万。 Is the disparity much big? 差距多大？ ...... …… Then continues to fill out a form, deadline 24 months, the use is the repair...... 接下来继续填表,期限24个月,用途为装修…… Is some minor details, handles very much smoothly. 都是些细枝末节,很顺利搞定。 Then has that woman and marketing department manager goes to Education Bureau, confirms the unit. 然后带着那姑娘和营销部经理去教育局,验证单位。 In July educates the mouth has a vacation, Wang Yan little aunt is relating the new school uniforms of various schools in the unit, other office ghost cannot see. 七月正是教育口放假的时候,汪言小姨是在联系各家学校的新校服才在单位,别的办公室连个鬼影都看不到。 Sees with one's own eyes Wang Yan to open office great gate with the key, that manager smiles saying: „Mister asked you to be able rest assured that tonight we applying to upload, the smooth words, tomorrow the telephone paid a return visit to the morning, in the afternoon can sign to draw cash.” 亲眼看到汪言用钥匙打开办公室大门,那个经理笑眯眯道:“先生请您放心,今天晚上我们就把申请上传,顺利的话,明天上午电话回访,下午就能签约拿钱。” Two side troops wave to make farewell speech, Wang Yan in one vigorous effort, ran 7. 两方人马挥手作别,汪言一鼓作气,又跑了七家。 4 are even disinclined the unit, in the remaining 3 families/home has one to need to inspect the housing, temporarily has not made. 有四家甚至连单位都懒得去,剩下的三家里有一家需要查验住房,暂时没做成。 At this time, is under the petty loan line the shop business most irritable gold age, small Wang Yan, looks like a water drop in sea, that tiny, but is unremarkable. 此时,正是小额贷款线下门店生意最火爆的黄金年代,小小的汪言,就像是大海里的一滴水,是那么的渺小而不引人注意。 In the evening goes off exhaustedly, Wang Yan is even thinking: This way, how many families/home can I make? 晚上疲惫睡去的时候,汪言甚至在想:照这样下去,我到底能做多少家？ 50? 50家？ 100? 100家？ Every day has new company to be open for business, every day has old company to go out of business, really is barbaric and vital industry ah...... 每天都有新公司开张,每天都有老公司倒闭,真特么是个野蛮而充满生命力的行业啊…… A night is good to sleep. 一夜好眠。 next day gets out of bed, Wang Yan changes the body clothes, fastens flat cap, carried the donkey sign briefcase that bought in the night market to go out yesterday evening. 第二天起床,汪言换身衣服,扣上鸭舌帽,拎着昨天晚上在夜市买的驴牌公文包出门。 Continues to rub small loan. 继续撸小贷。 Fills in the form time, Wang Yan sees a blunt ridicule from some sales eye, it is estimated that is because that donkey package of vacations too fiercely? 填单子的时候,汪言从某个销售眼中看到一丝不加掩饰的嘲笑,估计是因为那款驴包假得太厉害？ Wang Yan is not only not angry, instead fills thinking of wicked interest: When your family's money gets down, I buy a real thing, ahead of time said sound thank you to you! 汪言不但不生气,反而充满恶趣味的想:等到你家的钱下来,我就买一款真品去,提前跟你们说声谢谢！ Morning time, starts one after another has the confirmation telephone to force one's way into, the opening is 010 and 021 anything. 上午的时候,开始陆陆续续的有验证电话打进来,开头都是010、021什么的。 The prosperous rich wind controls to ask a special issue: „Mister, your office telephone why did no one answer?” 昌富的风控提出一个特殊的问题:“先生,您的办公室电话为何没人接听？” Wang Yan returns calmly said: „In bureau takes summer vacation, colleague naturally not. If you need, I can afternoon go back, responded to you with the office telephone.” 汪言镇静回道:“局里放暑假,同事当然不在。贵方如果需要,我可以下午回去,用办公电话给你们回应。” That customer service did not say anything again, the politeness said goodbye. 那客服再没说什么,礼貌道别。 Afternoon time, Wang Yan is leading some manager confirmation office, the prosperous rich company clerk makes the phone call suddenly, the tone is very excited. 下午的时候,汪言正在带领某家经理验证办公场所,昌富公司的业务员突然打来电话,语气十分兴奋。 „Mister, your loan has been approved, can sign!” “先生,您的贷款已经获批,可以来签约了！” Wang Yan calm and collectedly sends off that manager, then independent takes a taxi, rushes to the financial street. 汪言不动声色的送走那位经理,然后单独打一辆车,匆匆赶往金融街。 The signing flow is simple, after 10 minutes, before Wang Yan arrives at the Construction Bank cash machine, silently input password. 签约流程非常简单,十分钟后,汪言来到建行提款机前,默默输入密码。 Balance: 40000.00 Yuan! 余额:40000.00元！ first pen small loan, smooth to rub! 第一笔小贷,顺利撸到！