"Please note, there are several exploitable loopholes within the loan and upgrade rules of this system. If you overuse these loopholes, your overall assessment level on the tenth level will be extremely low."
What these loophole rules could be,
The system didn't explicitly tell him.
But thinking about it, indeed there were quite a few assessment loopholes.
For instance,
Helping repay the loans of borrowers who couldn't afford to pay back, or in order to control risk, lending to people he knew well or who were under his control, and making use of external loans for personal gain, turning it over for his own use.
Many, many.
Even during the annual settlement, if he didn't have money, he could borrow to pay back the system's money.
Of course,
These loopholes,
He was only thinking about it.
After all, a broad road was laid out in front of him, a foreseeable bright future wasn't far off. He would have to be crazy to take the risk to gamble that the system wouldn't find out or care.
Moreover,
The system also said that he shouldn't use these opportunities excessively.
Which meant he could use it, just enough to save his life in crucial moments would be good enough.
Having run the business for a year, he quickly realized this was the first lesson the system had taught him.
And also the most important one.
------ Fear of unknown risks.
Suddenly,
According to the system's prompts, Tang Qing recited to look at the tasks and instantly, rows of characters popped up in front of him:
1. Complete the loan task of the system's recommended client this month. You can view the specific information in the task description. Reward content: +5 Experience Points, Completion: 0/1.
2. Complete non-system recommended client loan business this month, amount not less than 100,000. Reward content: +5 Experience, Completion: 0/1.
3. Complete all external loan quotas this month. Reward content: +5 Experience Points, Completion: 0/50.
4. Complete all personal loan quotas this month. Reward content: +5 Experience Points, Completion 0/10.
5. Achievement Task One: A cumulative total of 1 million in the external loan from the system. Reward content: +5 Origin Energy Points, +10 Experience Points.
6. Achievement Task Two: Accumulated recovery of 1 million in system external loan principle. Reward content: +5 Origin Energy Points, +10 Experience Points.
7. Achievement Task Three: A cumulative total of 100,000 in system personal loans. Reward content: +5 Origin Energy Points, +10 Experience Points.
8. Achievement Task Four: Self-owned property reaches 100,000 (not including the system's personal loans and rewards). Reward content: +5 Origin Energy Points, +10 Experience Points.
There are only eight tasks on the entire list.
Actually, if you consider, there are two main categories.
One is his own loans and earning money.
Another is lending money and then recovering it, and it's not a mandatory task.
This also leads to a risk-avoidance method, which is just to complete the client recommended by the system. He will never worry about someone violating the agreement and causing his assessment to be unsatisfactory, but Tang Qing also just thought of it.
After all,
If he did this,
The second and the third task could not be completed at all.
Although this completely avoids the risk of someone defaulting, anyone could guess that such a cowardly way of not taking on any responsibilities would have a very unsatisfactory assessment result at level ten.
Tang Qing pondered for a moment.
Looking at his personal information and task list. It seems that he can complete Task Four and Achievement Task Three right now, as long as he lends up to 100,000, so he mentally said to the system "Personal Loan of 100,000."
"You wish to borrow 100,000 yuan from the system, please confirm." The system's emotionless but good-sounding voice rang out.
"Confirm." Tang Qing muttered.
"100,000 yuan personal loan has been credited into your account, your personal loan quota for this month has been used up, do you wish to overdraw?" The system's voice rang out again.
"No overdraft." Tang Qing answered.
He knew that personal loans could be overdrawn and could be accumulated. If not fully used up this month, they could be added to the next month, and he could overdraw up to six months according to the quota.
Meaning, Tang Qing could actually borrow another 600,000 right now.
But considering that the system will upgrade,
And the quota will increase,
It is obviously not worth it to overdraw too much all at once. As for the external quota, it cannot be overdrawn nor accumulated. Unused amounts will be automatically cleared to zero every month and reissued the next month.
As soon as the voice fell,
The Withdrawable Assets under personal information instantly shifted from 100,000 to 200,000, and the font for Task Four and Achievement Task Three turned to grey, marked with the note (Completed) behind it.
The experience then turned to 15/100,
Completing Task Four added five points, and completing Achievement Task Three added ten points.
Meanwhile,
A warm sensation spread throughout his body. It was cozy and comfortable. This feeling lasted for five seconds, and both his Spirit and Physical Fitness attributes changed to +15. After the warm current passed, his mind instantly felt clear.
Not sure if it was an illusion,
Things he kind of forgot about in his previous life gradually came back to him. Though not much, it was still better than having no impression at all before.
Meanwhile,
Tang Qing felt a surge of boundless energy in his body.
He picked up his shirt and looked,
To his surprise, he had a six-pack. He was so excited he almost jumped. He wasn't fat in high school and he exercised regularly, but he wasn't at the point of having a six-pack either.
In his previous life, he didn't exercise after going to college,
He holed up in his dormitory playing games, and slowly a belly formed, his abs were long gone,
Though he didn't get much fatter.
But gradually developing towards middle-aged uncle.
Excited, Tang Qing took off his clothes and stood in front of the wardrobe mirror, carefully inspecting his transformation.
"Hmm, I got a bit more handsome," Tang Qing said with satisfaction.
Tang Qing in his past life was not handsome.
You could only describe him as easy on the eyes.
Tang Qing looked at himself in the mirror.
It wasn't that he'd become handsomer, just a bit fairer with somewhat improved skin. Added to that, his abdomen now donned slight abs even without tensing up, it indeed added some points to his appearance.
He felt he was even slightly taller than before, but not much. He didn't suddenly grow five to six centimeters taller, rather after high school, he remained at the height of 171 centimeters.
"By the way, system, how do you give me my Withdrawable Assets?" Tang Qing suddenly wondered how he was supposed to get money from the system.
He didn't have a bank card at the moment.
He couldn't even withdraw money.
"The system provides two methods of payment: cash or transfer. Your personal account is limited to system use. If you want to conduct transactions with external bank accounts, you must get a bank card as the bearing account for your personal assets and can entrust it to the system for free management," the system explained.
"The system will prepare a real bank account for foreign loans and can directly refer to this account for target transfers, loan repayments, provide proof of transactions, or directly withdraw cash, but can only be used for task targets."
"Meanwhile, all cash you touch can be recycled into your personal account. Level One accounts can only withdraw and recycle the home country's currency, and must be in multiples of one hundred." The system slowly explained.
When Tang Qing heard that the system could give him cash directly, he got quite excited.
The numbers in the account are quite different from physical cash.
"Then withdraw ten thousand in cash for me."
Tang Qing decided to give it a try right away. He was curious to see just how capable the system was.
"Are you sure you want to withdraw ten thousand in cash from your personal account?"
"Confirmed."
"Please choose the location for withdrawal in your mind."
Tang Qing quickly looked at his bed.
Within the blink of an eye.
A stack of new red bills appeared on his bed in front of him. Tang Qing was quick to count them.
It wasn't that he didn't trust the system, but he was excited. A full ten thousand isn't something he hadn't seen before, but having bills appear out of thin air made him realize that the system wasn't something that could be created within a hundred years.
Advanced spatial technology.
Even humans a thousand years from now might not be able to touch such technology.
Even though the system didn't explain, Tang Qing speculated that it might be the creation of a genius from thousands or even tens of thousands of years in the future or even from aliens.
The specifics are still unknown.
He'd have to wait until he reached Level Ten to find out.
After the excitement, Tang Qing calmed down gradually.
Experiencing such a whirlwind of experiences and absorbing so much information left Tang Qing's mind somewhat in disarray. After counting the bills, he lay back on the bed with the ten thousand in his hand, lost in thought.
Tang Qing remembered that he had planned a meeting with Lin Jiaxue after lying down for a while.
So, he freshened up, changed his clothes, and left.
He left his Uncle's house.
Looking out at the city in 2004.
Tang Qing couldn't help feeling nostalgic. Although he was once familiar with this place, the alienness from time traveling still lingered. Perhaps it would fade over time.
"Driver, please take me to the West Gate of the Red Flag Market in South City," Tang Qing said to the taxi driver after flagging down a cab.
With unimaginable 'fortune' in his pocket, Tang Qing felt obligated to treat himself. He now had two hundred thousand to 'splurge'.
When you have ample supplies, you don't panic.
Wealth is such a wonderful thing!
About ten or so minutes later, Tang Qing arrived at the Red Flag Market.
It was around ten in the morning now.
The Lin family's store is usually the busiest around this time.
By now, the place was bustling, with hawkers calling out to passersby every now and then. The largest wholesale market in the city was located across the street, so there was a lot of foot traffic.
The Red Flag Market was only finished last year.
A government investment, the market didn't sell but only rented spaces, it was quite large. The entire market was shaped like the character '田' and filled with hundreds of stores large and small.
The Lin family's store at a pretty good location, just ten or so meters away from the western gate.
Previously, Lin Jiaxue's father rented a shop at the agricultural trade market across the street.
But since it was built over a decade ago, the market was disorganized and starting to fall into disrepair. Plus, it was primarily focused on wholesale, so many of his regular customers wouldn't have just left. So when the Red Flag Market was built across the street, Lin Jiaxue's father wanted to move there.
Eventually, it was Tang Qing's uncle, the deputy police chief, who helped them get the shop across from the entrance to the agricultural trade market.
Otherwise, Lin Jiaxue's father would never have been able to rent such a good location.
The rent was twenty-five thousand a year.
Considering the current income levels, it was pretty expensive.
But because they managed their business well and were good people, the Lin family was able to make approximately fifty to sixty thousand a year, which is a lot better than Tang Qing's clothing store.