She was also an experienced salesperson and naturally knew a lot of people in the same line of work. However, she did not introduce He Zhou to them. It was not that she was afraid that He Zhou would take away her business partners. She was afraid that He Zhou, who did not know the business, would be suspicious.
He Zhou looked at the time and said, "It's 12 o 'clock. It's lunchtime, right? I'll treat you. "
He realized that there were many tricks in this line of work. He still needed to learn from them.
The young lady was about to speak when Jiang Yaoyao walked in. She waved at He Zhou and said, "Wang Yue, let's go eat together."
He Zhou thought, 'So the young lady's name is Wang Yue.'
They were in a commercial square. The ground floor was full of famous restaurants. However, none of the employees who went downstairs with them walked in.
They were all office workers. They would make do for lunch. They still wanted to save money.
Unless it was a party, they would not spend a few hundred yuan on a meal.
He Zhou followed the two of them into a small stall. It was filled with people. Jiang Yaoyao skillfully grabbed a seat and let them sit down as well.
She pointed at the menu hanging on the wall and said, "What do you want to eat? Order it yourself."
Fu Yao looked up and saw that it was nothing more than fast food like rice and noodles. He said, "Tomato rice."
Wang Yue also ordered a bowl of noodles. Jiang Yaoyao then shouted at the kitchen window.
The food was served quickly. The three of them chatted as they ate.
Jiang Yaoyao asked about He Zhou's earnings in the morning. Then she smiled and said, "There's an engraving on the side. If you want 20 yuan, just give 15 yuan. Engraving proof of income is a small matter. Don't use it for other purposes."
He Zhou knew that engraving seals was illegal. However, since she was kind enough to teach him, he could not disagree. He could only smile and say, "Anyway, let the customers do it themselves. I don't like the trouble."
Jiang Yaoyao said, "That's great. Didn't you make your name card yesterday? Did you bring it? "
He Zhou said, "Yes."
Before he started working, he made a name card according to Jiang Yaoyao's request and bought a cheap suit.
He was wearing the suit now. There was a stack of name cards in the pocket.
Jiang Yaoyao said, "The People's Bank is nearby. Walk around with Wang Yue in the afternoon. I'm sure you'll get to know a lot of people in the same industry. You can exchange business cards with each other so that you'll have a place to throw your money in the future."
Wang Yue said, "I'll bring a client to collect credit reports this afternoon. Let's go together."
He Zhou said, "Thank you."
Jiang Yaoyao said, "That's the advantage of being in our line of work. We don't just earn money from one job. We can send a client to several companies. If they approve a client for a hundred or eighty thousand yuan, we can earn three to four thousand yuan.
Of course, if we are flexible, we can earn more than that. Sometimes, depending on the customer's situation, we can also earn some money. "
He Zhou didn't know what "flexible" meant, so he looked at Wang Yue and Jiang Yaoyao.
Wang Yue lowered her head and said nothing.
Jiang Yaoyao continued, "Wang Yue is not an outsider. To be honest, sometimes you can ask for a penny from the client, but of course, it has to be based on the client's willingness. If you don't handle the relationship well and the client complains, you're done for.
It was best not to collect the money yourself, but to let the intermediary or other small loan agent collect it on your behalf.
It's a waste of time to say so much. You should do it for a month or two first. Some things still need to be understood by yourself. But no matter what, you can't say that I taught you in the future. "
He Zhou was a little touched, but he also didn't know whether to laugh or cry.
If she didn't treat him as a friend, Jiang Yaoyao wouldn't have said such heartfelt words to him. However, she had just solemnly told him to abide by the rules in the morning. Why was she teaching him to violate the rules now?
Wang Yue said, "Think about it, other industries are not doing well now. Even if you work hard, you can only earn about four to five thousand yuan a month. In this line of work, it's actually quite good. If you're diligent and smart, it's easy to earn money.
Actually, the company provides a platform. The company can't earn much money, so it has to rely on external sources. If the client has good qualifications, as long as he has a need for funds, you can easily give him a loan of one or two hundred thousand yuan. You can also easily earn ten thousand yuan. "
He Zhou understood what she meant by "external sources." She meant to collect money from the client.
He Zhou finished his meal and went to pay the bill. It was only twenty-five yuan in total.
Wang Yue said, "I'll treat you tomorrow."
Usually, when they came out to eat together, they would take turns to pay the bill. They were all ordinary office workers, and none of them were rich.
As soon as he stepped out of the door, a gust of cold wind blew over. He Zhou shrank his neck from the cold. He had forgotten to put on his down jacket when he went downstairs.
After returning to the office, he continued to make calls. As expected, he didn't get any results, but his speech was getting smoother.
When it was almost two o 'clock, Wang Yue told him to leave. This time, He Zhou was smarter. He put on his down jacket and wore his suit underneath.
The People's Bank was not far from the company, so the two of them walked there.
Wang Yue said as she walked, "All small loan companies need a credit report. Most small loan companies are like us and need to go to the People's Bank to get their customers' credit reports. However, for example, Yi Xin, they have the banking system behind them and can directly access their customers' credit records."
A credit report was an objective record of a person's credit information.
It recorded a person's entire credit payment history, mainly including the performance records of credit relationships with financial institutions.
As long as one had a resident ID, they could get a personal credit report. The only difference was whether it was blank or not.
It only took about 20 minutes for the two of them to reach their destination. Wang Yue called her client at the intersection.
There were many people gathered at the People's Bank. Some of them came out from the bank building, and these people went over to talk to her, regardless of whether they were in the same industry or clients.
Wang Yue personally accompanied her client to get credit reports because she was afraid that her client would be poached by her peers.
Fu Yao was curious about the form of a credit report. Wang Yue was looking at the client's credit report, and he only took a glance at it.
There were not many people queuing at the counter, so he took his ID and went to get a copy of his credit report.
"23 RMB." When the staff handed him a stack of printed reports and ID cards, the way they looked at him was different.
"So much?" Fu Yao was shocked. A piece of paper was only 1 RMB!
20 RMB meant 23 pages of papers!
He didn't even have a credit card!
Logically, the credit report should be blank. How could there be 23 pages printed?!
He paid the money, picked up the credit report, and walked to the side to read it carefully.
"Wow, you're really a nouveau riche." He Zhou heard the exclamation and turned around to see Wang Yue, who was stunned.
He heard Wang Yue say, "How many houses do you actually have?"
"What do you mean?" He Zhou did not fully understand and was in a state of confusion.
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