Chapter 852: Chapter 831: Yes, That’s Exactly It! At noon the following day, Tianxing Credit Score and Tianxing Online Bank quietly went live under Alipay. Each user had a backup credit limit of 10,000 yen, equivalent to 496 yuan. ᴛhis chapter is ᴜpdated by 𝔫𝔬𝔳𝔢𝔩⚫𝔣𝔦𝔯𝔢⚫𝔫𝔢𝔱 Using the payment system would display recommended fonts, with a seven-day grace period for repayment without interest. After seven days, a daily interest rate of 0.03% would be charged, with an annual rate of 11%, which is slightly more than half of Neon’s legal limit of 20%. If one chooses to verify contacts, school, work, and assets such as vehicle and property information, they could obtain loans up to 10 million yen, roughly equivalent to 500 thousand yuan. If it is a merchant, verifying business documents and bank statements can allow online loans up to one billion yen, roughly equivalent to five million yuan. It can be said that Tianxing Finance transplanted Ant Financial’s system to Neon, upgrading it in the process. The 20 billion US Dollar equity stake Lu Liang released also took effect at this moment. The national media not only remained silent about this but also loudly broadcasted that the yen is currently in a depreciation cycle. Money not spent will increasingly weaken in purchasing power; one should quickly take out loans if qualified, as the interest of a year won’t match the speed of depreciation. Under the bombardment of various media, Neon’s market economy began a comprehensive recovery. Merchants have money, citizens have money, The consumption demand is rapidly growing, and the treasury is gradually filling up. Some people from the previous century suddenly felt as if they were reliving the summer of 1985. Anshan watched as his approval rating soared; unsurprisingly, being appointed for the fourth time was becoming a reality. Alongside joy, an indescribable melancholy overflowed in his heart. Because the last time, their generation took thirty years to barely repay their debts. This time, it is unknown how long it will take to repay. Meanwhile, some Chinese bloggers in Neon quickly transmitted the news back home. “Oh wow, Liangzi started lending too?” “Seems like the ultimate fate of enterprises is lending.” “I heard Neon has many unbeatable individuals; aren’t you worried about not recovering the principal?” “Clearly, you haven’t understood finance; the acceptable bad debt rate offline is 5%, while online interest is higher, with an acceptable bad debt rate around 10%.” “There are people who do murderous trades, but no one does losing ones. Just look at how there are so many online lending villages in China, these loan companies don’t seem to hesitate, they actually wish you’d borrow as much as possible.” “Why is Liangzi playing so flashy outside, is the domestic not only a forbidden zone for mercenaries but also for finance?” “Otherwise? Look at Big A, look at Old Ma, look at BYD, look at Huawei, Liangzi deeply understands the domestic political orientation, so he left only Tianxing Automobile.” “Liangzi is still that Liangzi!” As netizens were discussing, Old Ma, who went from Guisheng province to Yunsheng province for volunteer teaching, also received the news immediately. He was delighted, his expression nearly crazed, a kind of indescribable excitement in his eyes: “Yes, this is the way!” This was his dream version of Ant Group; earning interest from lending was trivial money, Lu Liang’s real intention was to promote the Tianxing Credit System. In early promotions, official agencies joining Alipay’s settlement method could be solved by controlling enterprises, but later on, intentions would become more evident, and agencies would resist; no one wishes to shackle their own power. At this time, the credit system plays a crucial role; higher scores mean more discounts, more subsidies. If official agencies don’t join the credit system, they won’t get these benefits; these people will naturally band together to force the officials to make changes. Neon adopts an electoral system; whether district lawmakers or national leaders, they must fulfill promises to voters, making this promotional method even smoother and more natural. This method is like boiling a frog in warm water; over time, when people suddenly turn around, they’ll find they have already become cornerstones of this credit system. Even knowing the harm of this system being controlled by outsiders, still, for their own interests, they have to maintain it. Samsung Group relied on monopoly over various industries to rule Korea, but this is just on the surface; in-depth control still requires reliance on the credit system. Old Ma calmed down, eyes showing envy. Lu Liang was stirring up the international market, while he could only shelter in the mountains, mending reputation, regaining trust. At the same time, institutions on Wall Street, led by Blackstone Group, also gradually discerned Lu Liang’s true intentions. Su Shimin once again initiated a Round Table Meeting where he coldly said, “We’ve already missed the best opportunity to curb the expansion of Lu Liang; now, we must not let Tianxing Finance grow unchecked…” Tianxing Credit Score went live, turmoil ensued, while Lu Liang, as the involved party, quietly left Tokyo for Korea. Time was tight, tasks were heavy; the more he revealed, the more obvious his real intentions became. Lu Liang had to spare no effort within limited time to spread the scale as large as possible. In the afternoon, he had Zheng Xuanyi invite Li Zairong, with all three meeting in a hotel guest lounge. “Mr. Li, forgive my sudden visit, but we don’t have time to wait for your response.” Lu Liang drank a cup of tea, getting straight to the point, “I want a definite answer now.” Li Zairong wanted to utilize Lu Liang to rid himself of American capital control but didn’t want to take any risk. So, he played the odds of victory, betting on both sides, helping neither. However, a conspiracy targeting East Country was brewing, which could break out at any time. Lu Liang wanted Li Zairong to choose now; if he didn’t stand with him, they would be enemies. From now on, Tianxing would fully support Hyundai, directly confronting Samsung in the market, deciding both superiority and fate. “Mr. Lu, have some tea.” With a persistent smile, Zheng Xuanyi brewed tea, but his eyes constantly monitored Li Zairong. Lu Liang’s sudden pressure on Li Zairong was a good thing for him because Hyundai Group was already deeply branded by Tianxing Finance and couldn’t be separated. Previously, merely revealing a Bitcoin project through the cracks propelled Hyundai back to top-tier financial group status in Korea. He couldn’t imagine how terrifying the influence would be if Tianxing Finance fully supported Hyundai Group. Time ticked by, with only the sound of flowing tea in the guest lounge. Li Zairong remained silent for a long time, sighing, “Mr. Lu, we at Samsung just wish to protect our small domain; why must you be so aggressive?” He didn’t understand why Lu Liang was suddenly so urgent, but making a choice now didn’t meet his personal and Samsung Group’s interest demands. Because he couldn’t offend Lu Liang, nor could he offend Wall Street capital led by BlackRock. If forced to make a choice, he could only pick the lesser of two evils, apologizing to Lu Liang. Lu Liang frowned slightly, not expecting to be thwarted by Li Zairong, though upon reflection it seemed normal. He stood up, straightening his clothing, showing a standardized smile: “Mr. Li, take care.” Seeing Lu Liang directly about to leave, Li Zairong was startled and hurriedly said, “Mr. Lu, Samsung doesn’t intend to be your enemy, perhaps we can discuss a compromise.” He genuinely didn’t want to choose sides now; if Lu Liang was willing to accept, even abandoning some Samsung Group projects wouldn’t be impossible. Lu Liang halted, his eyes revealing complex emotions, shaking his head in lament: “Mr. Li, you don’t understand; there’s no compromising plan. Farewell.” He left, ignoring Li Zairong’s attempts to retain him. Seeing this, Zheng Xuanyi quickly followed in Lu Liang’s steps. Watching their departing backs, Li Zairong frowned deeply, suddenly realizing: “Perhaps it was a mistake?” Lu Liang’s sudden urgency must contain untold reasons that might be the opportunity deciding destiny; perhaps he should have gambled once. Until Lu Liang’s figure completely vanished, Li Zairong still hadn’t spoken, letting out a sigh instead. Acting might result in a mistake, But not acting, at least doesn’t err. Lu Liang, stepping out of the guest lounge early, sat in a car beside the hotel entrance, waiting for Zheng Xuanyi to board. Seeing Zheng Xuanyi open the car door and sit beside him, Lu Liang spoke directly: “Samsung’s core industries are semiconductors, consumer electronics, display panels; I don’t understand these sectors. Chairman Zheng, do you think I can offer any help?” Zheng Xuanyi was startled, then sat upright, seriously saying: “Samsung is light industry, Hyundai is heavy industry; it’s hard for both to compete. If you must act against Samsung Group, we shouldn’t confront them in their expertise.” “That would leave only the financial market and banking industry.” Lu Liang pondered for a long while, asking: “How is the digestion of Kakao Group?”