I Have 10 Trillion Dollars only Usable For Simping -
Chapter 737 - 568 The Great Hero_2
Chapter 737: 568 The Great Hero_2
Jiang Chen smiled faintly, noncommittal, then suddenly changed the subject.
"Little Bai, I heard from Luo Peng that you have a classmate who, because of online loans, ended up going to extremes?"
Bai Zheli nodded, his expression turning somewhat somber.
"Brother Chen, I don’t know if you’re aware, but the current state of internet finance is really chaotic. There are all sorts of online lending platforms, and some of them are downright usurious. It’s not just my classmate—countless people are suffering from them."
"So, are you investing in this project hoping to change this situation?"
Jiang Chen looked at him and asked.
Bai Zheli fell silent, "Brother Chen, I don’t have such grand ambitions; that’s a matter for the state."
Jiang Chen laughed.
"We’ve lived together for so long, do you think I don’t understand what you’re thinking? You have a sense of justice, which is very noble and something to be proud of. What’s there to hide?"
"Brother Chen, stop making fun of me."
Bai Zheli gave a wry smile but didn’t deny it any further.
If he were just an ordinary person, that would be one thing, but now that he had the capability, he did want to do something for society.
Of course.
He was self-aware and had no delusions of performing any earth-shattering feats. But if everyone could contribute a little bit of their power, even if it was minuscule, with many a little making a mickle, society would gradually become better.
"I’m not making fun of you, I’m speaking from the heart."
Jiang Chen said with a warm smile, "Actually, I’ve always felt that you’re underutilized at Tianci. You should be working for a government agency, where you could make a greater contribution to society."
"Brother Chen, did you call me here just to tease me?"
Bai Zheli looked helpless.
"Alright, let’s get down to business."
Jiang Chen cleared his throat, his expression serious, "How much money is left on the company’s books?"
"Seven million."
Bai Zheli answered promptly, without any hesitation.
"That little?"
Jiang Chen raised his eyebrows.
In Las Vegas, Li Shuru had just asked him for fifty million US dollars.
"Brother Chen, let’s go to my office."
Bai Zheli stood up.
"For what?"
Jiang Chen asked instinctively.
"To look at the company’s accounts."
Bai Zheli said seriously.
Jiang Chen chuckled, "What’s the point of looking at the accounts? I trust you guys."
He gestured with his hand.
"Sit down."
Bai Zheli took his seat again.
"Anxin Loan now has quite a few users, but such a small investment is bound to have limited prospects. With so many loan platforms on the internet, if you really want to improve the chaos of online lending, I’m afraid it’s far from enough."
"Brother Chen, I truly don’t have that much ambition..."
"Do you want to see the same tragedy that happened to your classmate repeat itself?"
Bai Haoran’s tone faltered.
"Jieyou Loan, I don’t know if you’ve heard of it, but that lending app is an example of the usury you’re talking about. Its interest rates are shockingly high. Once a user borrows money from it, they fall into an abyss, never to recover. I’ve seen a girl, a student from a prestigious university, who had to end up hostessing because of borrowing from them..."
"Why not report it to the police?"
Bai Zheli blurted out, actually having been puzzled about this for a while.
Jiang Chen fell silent for a moment.
"Little Bai, not everything can be resolved by calling the police, and not everyone is willing to call the police."
Bai Zheli, who had always been in the company, looked at Jiang Chen and quieted down.
That’s true.
Since leaving school and joining Tianci, he hadn’t experienced much danger.
But he understood at least one principle clearly.
The world does not operate on a straightforward principle of good being rewarded with good and evil being punished with evil.
The proliferation of countless noncompliant online lending platforms, persisting despite repeated bans, was proof enough of that.
"Anxin Loan has covered forty cities, serving seven hundred thousand people, but consider how many cities and people there are in the entire country."
Bai Zheli continued to be silent, but as he looked at Jiang Chen, a speculation seemed to rise faintly in his heart.
"Little Bai, if Anxin Loan were to expand nationwide, how much capital do you think would be needed?"
They looked each other in the eye.
Even though Bai Zheli had some anticipation, he was still shocked by the other’s idea.
"Brother Chen, are you saying you want to expand the scope of Anxin Loan? Brother Chen, the profit of Anxin Loan is very limited; this move simply doesn’t make sense."
Jiang Chen smiled.
"The profit is limited because the user base is limited. Your current actual users number over four hundred thousand, so of course the profit isn’t high. But what if we expanded the user base? What if, for instance, it grew to four million, forty million..."
Bai Zheli’s pupils dilated.
"But Brother Chen, that’s simply not possible. To aim for national promotion is a different matter entirely; by then, banks probably won’t cooperate with us."
"Who says I want to cooperate with banks?"
Jiang Chen’s smile remained steady, his depth unreadable, "You just need to give me a figure—that’s enough. Calculate the total investment needed to promote Anxin Loan nationwide."
Bai Zheli adjusted his glasses again, realizing Jiang Chen was not joking.
"...Brother Chen, I can’t answer you right now. I have to get them to do the precise calculations before I can give you an answer."
Jiang Chen nodded nonchalantly, smiling, "Go ahead."
Bai Zheli gave him a steady look, then stood up, "Brother Chen, I’ll go get busy then."
"Mhm."
Bai Zheli left.
Jiang Chen swiveled his chair to look out at the towering skyscrapers beyond the floor-to-ceiling window.
He had originally planned to collaborate with Geng Long to legitimize Jieyou Loan, but Geng Long was not appreciative.
So he had to find another way.
If it was impossible to "lead evil toward good," then the best strategy was to use the laws of the market economy to break down high-interest loan platforms like Jieyou Loan.
Faced with the negligible interest rates of Anxin Loan, the choice for consumers was obvious.
Once Anxin Loan went national, under the pressure of such low-interest rates, a storm would hit the lending industry—high-interest loan platforms like Jieyou Loan, and even other lending apps, would all become withered twigs and branches, vanishing in smoke and ash.
That outcome was inevitable, not requiring any great business acumen to see. The reason no one had implemented it yet was simply that no one had the capability or the resolve.
The core competitiveness of Anxin Loan lay in its interest rates that were below market levels; crudely put, it compromised its own interests without benefiting others—a qualified businessman would never engage in such a trade.
Moreover, such a massive wealth investment could be used for anything and probably yield more than this line of work.
Of course.
Banks did possess such capital.
It seemed they also bore such responsibility.
But unfortunately,
from their inception, banks served the wealthy; toward the average citizen, they’ve always held a superior stance, blind to the common people’s hardship.
Bai Zheli’s team didn’t keep Jiang Chen waiting long; they were efficient. After assessing the current trajectory of Anxin Loan, it took them just three hours to come up with a report and knock on Jiang Chen’s office door again.
"Brother Chen, these are our calculated results."
He approached the desk and offered the meticulously calculated report.
Jiang Chen took the report and leafed through it.
"Sixty-four point seven billion?"
Jiang Chen didn’t seem to be scared by the astronomical figure; instead, he smiled lightly, "So precise?"
Bai Zheli stood in front of the desk, serious and solemn, "That’s still a conservative estimate. Once we target the whole country, the individual loan amounts are bound to increase from current levels. Brother Chen, where are we going to get so much money? Besides, it’s really not worth it."
Jiang Chen was noncommittal as he continued browsing, "Don’t worry, if we’re short on money, I won’t make you figure out the solution."
"Brother Chen..."
"Alright, let me look over it again, you can go be busy."
Bai Zheli hesitated, observing Jiang Chen with his head down looking at the report, and finally didn’t say anything more.
"Then Brother Chen, I’ll step out."
"Bang."
The office door opened and then closed.
After finishing the report, Jiang Chen lifted his head and exhaled softly.
Over sixty billion.
Forget about Tianci Capital.
Not even with CX Entertainment and K.E Fashion Group added could he gather such an amount.
Unless he sold all these industries.
But that, of course, was impossible.
Jiang Chen massaged his forehead.
This was for the country and for the people.
Not out of any personal selfish desire.
So,
there was no need to feel any psychological burden.
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