Volume 8 Final Chapter Chapter 1251 Bonus
Nan Yi went abroad this time with a set goal to accomplish, which was part of his job, but KiKi was not. She came out to date the uncle, but the situation was a little different from what she expected, and she broke through the last step a little faster.
It’s fast, it doesn’t matter too much, just be happy.
When a man and a woman in love go out to travel, the scenery and delicious food are just embellishments and adjectives, and the key is to be intimate in different places and environments.
Once a woman in love passes the shy stage, she will enter the passionate stage. This is the case with KiKi. After staying in the bathroom for nearly a quarter of an hour, she rushed out all wet, grabbed Nan Yi and dragged him to the bathroom.
Nan Yi, who was rushed to the battlefield by the supervision team, had only one thought in his mind: the two self-heating pots were wasted .
It was indeed a waste of time. By the time he could sit down to eat, it was already ten o'clock. The two new self-heating pots were occupied by KiKi in the name of replenishing his energy due to excessive consumption. It was too late and Nan Yi didn't want to eat too much, so he tore a piece of beef from a large bag of dried beef and put it in his mouth.
"Uncle, do you have an old lover in India?"
KiKi, who couldn't understand what was on TV and could only watch short videos, had to put down his phone and chat with Nan Yi after the soup splashed onto the screen of his phone for the third time.
"have."
"Have we become old friends?"
"The situation is a bit complicated. It's inconvenient to tell you too much. It's better not to ask."
"Really can't tell?"
"cannot."
"Okay, I've been watching the water all day. Uncle, do you want to start a water business?"
"Do I need to use a questioning tone? I didn't avoid talking to you before in front of Lake Bellandur."
KiKi asked a wide fan, and after thinking it over, he said, "Are you short of shareholders?"
Nan Yi chuckled and said, "You eat my food, use my things, sleep with my clothes, and still owe me a lot of debt. Do you have money to invest?"
KiKi gently kicked Nan Yi and said, "Don't underestimate me. I have good relationships with people, so it's not a problem for me to borrow one or two million from my friends."
"Haha, I haven't even started yet. I'll figure out what to do first. That's it for tonight. Stop making trouble. I'm an old man and can't compete with you."
KiKi said seriously, "Since your performance just now was not bad, I will let you rest for a night. Keep it up and continue to work hard tomorrow."
"Why."
Nan Yi accompanied KiKi to visit various tourist attractions in Bangalore for two days. On the third day, they turned around and KiKi stayed in the hotel room with Nan Yi to browse their phones.
There is still no sign of the Shuihe short video platform, so Nan Yi has turned his attention to cash loans.
Similar to Indonesia, the cash loan business in India is almost dominated by Chinese people. Xiao Zhou, the king of the domestic Internet gray market, and another Xiao Zhou who works in security software, cooperated to create Mobi Magic, which is the king of cash loan platforms in India. It can lend out more than 20,000 loans a day. Looking at the world, the number is even more amazing, and it has to be tripled.
Nan Yi doesn't think much of the young people working in the Internet industry in China. They seem to be engaged in high-tech, but in the end they still return to a very old business - lending money.
Although there are exceptions and not everyone is doing it, that's only because they don't have the money, not because they don't desire it.
Lending money with usury is not acceptable, and Indian politicians have legitimate reasons to sit idly by or crack down on it. It is very suitable for people to accept it with a smile on their faces, and then, after their children live in a big house in North America without any worries, they will turn stern and crack down on it vigorously in the name of the people.
Two years later, Bollywood will have a new masterpiece drama theme, in which a lone agent goes deep into a hostile country and brings the boss behind the loan shark back to India for trial. The song and dance interlude in the middle is "Playing in the Mud in the Northeast", which is very appropriate.
Nan Yi was browsing the APP download rankings, and he saw that no less than 15% of the top 500 were cash loan APPs. He had something in mind, so he took out his notebook and connected to Nan's server. After a search, he found a plan from the unexecuted plan list - the Labor Bank India Long Live Microcredit Project Plan.
A quick glance at the contents of the plan shows that the plan is to wait until India's cash loan apps are dealt with and the Indians' concept of microcredit has matured, and then launch the Long Live India app to provide microcredit services to previous cash loan "white list" users.
Several products have been designed in the plan, including the Feibing Loan and the Danshui Loan for people who are temporarily unable to eat; the New Life Loan for people who have just moved to the city from the countryside and cannot afford to build a shack in the slums; the Beautiful Marriage Loan for women who are short of money and cannot afford a dowry; and the Home Loan for people who have lost their houses due to fire or flood and need to rebuild or repair them.
"Wow, Labour Bank is great. Indians are good at treating Indians well."
Cash loans still have a place in India. After all, 3/4 of the population are not within the target customer range of Indian banks. Credit card review is very strict and most people simply cannot pass. Even if they can pass, the credit limit will not be too high. Banks focus on a small group of high-quality people. For the poor, it is up to them to open bank cards.
It just cannot have the attributes of usury, the interest rate must not be too high, it needs to be kept within a reasonable range, and it needs to be tied to the credit reporting system. Credit reporting is a bit difficult, and most people who need cash loans are not within the assessment scope of CIBIL (a semi-official credit reporting system). Credit reporting does not mean much to them. Taking out loans to buy houses, cars, and start businesses are only things that a very small number of them will consider, and it doesn't matter whether they are old or old.
Without high interest rates to cover the bad debts that are bound to occur, it is quite difficult to develop cash loans.
After thinking for a while, Nan Yi decided to put the idea of cash loans aside for the time being. If he wanted to make cash loans run smoothly, he had to establish a credit system to match it. This was not something that could be done in the short term, and Wuzhi Trust was penniless, so it would not be easy to accomplish this.
Moreover, the Nan family was also doing similar business, which made it difficult for him to rely on the Nan family's power, otherwise it would be seen as forcing it. To him, a grandson is a grandson, no matter which son he is. To Nan Youqiong, Nan Wuwei's son is a nephew, and there is a layer of distance between them.
Although Nan Youqiong, as the eldest brother, always acted like an eldest brother and took good care of his younger siblings, that was his spontaneous behavior. When Nan Yi, as the father, spoke up, the tone changed. Besides, as the grandfather, he wanted to build up some extra capital for his grandson, which was his personal behavior and should not be involved too widely.
Liu Zhen has a large sum of private money and dividends from the Snow Mountain Trust. Nan Yi also gives her $2 million in pocket money every year, which she has hardly ever spent and will leave to her grandchildren in the future. Nan Wuwei takes the bulk of the dividends from the Snow Mountain Trust, but he has hardly ever touched the money, so he can leave it all to his children.
In comparison, it seemed like he, as a grandfather, was not prepared for anything.
After all, Nan Yi established the Wuzhi Trust mainly for his own face. His grandmother had tens of billions, his father had tens of billions, all in US dollars, and he couldn't let his grandfather down too much. He should have at least tens of billions of RMB, and it had to be extra, not the portion that belonged to his personal assets.
Once a woman involves the interests of her children and grandchildren, she will easily betray her gender. If Liu Zhen knew that he had given a lot of private subsidies to his two daughters, it would be strange if she didn't make trouble with him.
Last year, Liu Zhen secretly went to Nan Wuwei's place without telling Nan Yi. Nan Yi had some guesses as to why she kept it a secret and what they talked about: Mom only has you as her son, and your dad has several families outside. You should hurry up and ask this old man for your family property, before it falls into the hands of that bastard outside.
Every age group has its own worries. At Nan Yi's age, he has to face the issue of fighting for family property. It's his fault that he accidentally overexerted himself and ended up with a little more assets. He is already quite satisfied with the harmony in his family, and he doesn't mind at all if a woman has some ulterior motives.
Unable to find any new insights into cash loans, Nan Yi downloaded an APP called "Grindr" that he noticed when reading information about the king of the gray market. This platform is a bit special. Although it is a social platform, it has not attracted any female users. Nearly 100 million registered users are all men.
I made an account, entered the app, and just as I clicked on a member's profile page, KiKi's head came over, took a look and taunted me, "Uncle, I didn't expect you to have two plugs."
"You're a police dog." Nan Yi said without turning his head, his fingers continuing to slide, "You can also download one to study it. This kind of social platform with a relatively narrow audience is unlikely to have a high market value, but its profitability will not be bad."
"Uncle, your thinking is too big, jumping from water to gay dating in one go."
"Do your research. Times have changed. It's not as easy to make money now as it was a few years ago when there were so many hot spots everywhere. Not only do I have to do research myself, I also have to help you do research. You're not good-looking, so I can't sell you for a good price. If I don't help you find a good job, I'm afraid I won't be able to get the money back."
KiKi lay on Nan Yi's back and said with a sweet smile: "I am so ugly, why do you still want to date me?"
"I have prosopagnosia and cannot recognize faces."
"Hahaha." KiKi laughed loudly.
The two of them joked for a while, and Nan Yi stopped doing his "research". He went to the window to look at the sun outside, and when he saw that the sunlight was not too strong, he changed into the couple's clothes that KiKi had bought yesterday and went out for a stroll.
The place we visited was still Gandhi Street, because this street was like a beautiful female anchor with beauty filters turned on. The buildings, advertising signs, streets, pedestrians, etc. all looked relatively clean. The color matching, greenery, and clothing, everything looked comfortable.
This is what KiKi said, and Nan Yi basically agrees. The city of Bangalore is comparable to Shenzhen in China. The whole city is young and mainly composed of high-income people, so it naturally looks better.
KiKi would go into various stores, such as pottery stores, eyewear stores, and clothing stores, to have a look. The store owners would greet her warmly and then send her away in frustration. KiKi would just look and hardly buy anything. Only when she passed by an electrical appliance store did she make a purchase and bought a power bank.
Along the way, KiKi visited various shops to look at products, but Nan Yi mainly kept his eyes on the people who were looking down at their phones. He held the phone horizontally with both hands, and his thumbs were busy tapping or sliding on the screen. No need to guess, they were definitely playing a chicken-eating FPS game; he held the phone with one hand, and his thumb slid the screen fast or slow, which meant he was watching short videos.
For every person he met who was addicted to his phone, Nan Yi would guess and analyze what they were doing. Before coming to Bangalore, he had already roughly circled out the possible investment areas: water, short videos, cash loans, and e-sports.
He has listed short videos as a must-invest item, and he is still thinking of an entry point. Cash loans will be put on hold for later consideration. E-sports, like short videos, has also been listed as a must-invest item.
Looking at the age structure of India's population, the median age is only 28, young people under the age of 25 account for more than 50%, and more than 60% of the population are in their prime working years. The advantages of the demographic structure have a great chance of being transformed into a demographic dividend.
Whether the transformation can be achieved remains to be seen. India adds tens of millions of new employed workers every year, but the entire society can only provide about 10% of jobs, and a large number of young people are unemployed or in flexible employment.
If India wants to solve the employment problem, it can only introduce foreign investment to develop labor-intensive industries. This is a complex economic issue that involves policies, transportation, supporting industries, and the quality of the labor force.
There is huge potential, but also many problems to be solved. If the Indian government wants to reap the demographic dividend, it probably still has a long way to go, but many companies have already reaped this dividend. With many people and few jobs, internal competition is inevitable. Business owners can openly say to their employees, "If you don't do it, there are plenty of people who will."
If companies are willing to be a little more generous, they can gain a good reputation among employees. For example, when designing the wage structure, Labor Food strictly follows the 8×5 system, but there is an overtime system within the factory. It is not mandatory overtime, but requires an application. If employees want to work overtime, they have to go to the line leader to apply, and the factory stipulates that the maximum overtime time per week cannot exceed 25 hours.
There is overtime pay for overtime, which is 1.5 times the normal working hours. If you work 7.5 hours during the day without feeling tired, you can work two more hours, earn a little more overtime pay, and have a free dinner in the factory.
After dinner, I can work another two hours to digest the food and earn some more overtime pay. Looking at the time, the factory will provide free midnight snack in another hour, and there will be a free shuttle bus in another hour and a half, so I might as well work another hour overtime.
In this way, workers can use up the overtime hours within the prescribed range by working overtime every day. What if they still want to work on Saturdays and Sundays?
This brings us to another strategy of the factory: "Workers rest while machines keep running." The factory implements a two-day weekend system, so workers do not have to work on Saturdays and Sundays. However, Labor Food's products have always been very popular, and workers have to work overtime during the peak sales season.
As a last resort, they had to find "temporary workers" from outside to fill in the vacancies left by workers on vacation. The task of finding people fell on the line leaders, and there was a reward and punishment system. If production went smoothly, they would receive a generous bonus, and if it did not, they would be fired.
If the line leader uses his brain a little, he will realize that it is most worry-free and labor-saving and least likely to cause problems for temporary workers to find employees directly. In this way, the actual working hours of employees are 13×7, but this work intensity has nothing to do with the factory.
The factory's leadership has a very good tacit understanding and will never work overtime on Saturdays and Sundays. They are completely unaware that temporary workers are actually regular workers. The human resources and accounting departments are also selectively stupid and cannot detect the trick here at all.
However, when the sales are off-season, everyone's IQ will suddenly become online. They will always catch a line leader and give him a warning, strictly prohibiting regular workers from working overtime on weekends. Then when the sales peak season comes, it is time to put tasks on the line leaders. If the line leaders really hire temporary workers, they will always be found to have one problem or another, forcing them to "take risks" and continue to use regular workers.
After one or two incidents, the line leaders can guess the factory's intentions and understand that a portion of their salary is compensation for taking the blame. Especially when a line leader was fired for making a mistake and the factory gave him a generous compensation, the other line leaders knew the situation even better.
Since then, the operation of the factory has entered a virtuous circle. Production competitions are often held, with good bonuses given to the winners. There are several dinners each year where family members can come, and annual family tours. In addition, there are some welfare systems transplanted from domestic factories in the 1970s. Labor Food has a good reputation among employees and in the labor market. Job seekers who want to be recommended by human resources agencies to work here need to show some appreciation.
For the labor group , involution brings cheap labor, and both production and sales can reap the demographic dividend. For Nan Yi at this time, more than half of the young population is a sea of games and e-sports. Games are not his concern. Daniel Nan, who is immersed in the game field, has already laid out in India 20 years ago. Nan Yi can only think about e-sports.
