Chapter 174: Good Boy, Chen Yu

“Fellow Daoist! Please wait!”

With a loud shout, not only Zhang Yanyan and the other two were shocked.

Beside him, Duan Ye and Bahuang Yao were also shocked.

“What’s wrong?” Zhang Yanyan frowned. “Is there anything else?”

“Come here, let’s find a place to talk.” Chen Yu sneakily looked around and pointed to the roof. “Let’s go up to the fourth floor and talk.”

“You… want to lend us?”

“Of course!” Chen Yu patted his chest. “We’re both alumni, and we have old ties. You guys have already spoken, if I don’t lend you, would I still be human?”

“?” Duan Ye was at a loss. “What are you doing?”

“Shh.” Forbidding Duan Ye from speaking, Chen Yu led the way to the fourth floor. He did not forget to turn around and beckon with his finger. “The three of you, come quickly.”

Zhang Yanyan and the other two looked at each other. They whispered to each other for a moment before following behind with doubt.

Not long after, the six of them found a separate room and sat down.

Chen Yu looked at Bahuang Yao. “Do you have a pen and paper? Get a set.”

“Oh.” Although the girl was puzzled, she still obediently searched for a pen and paper in the room.

Pa!

Taking out the student card, Chen Yu slapped it on the table, and said gently, “There are 1000 points here. Zhang Haiyan, what do you want… What’s your name again?”

Duan Ye raised his hand. “Zhang Haiyan.”

“Yes, Zhang Haiyan.” Chen Yu nodded. “How much do you want to borrow?”

Hearing Chen Yu’s ‘magnanimous’ speech, Zhang Yanyan did not even bother to correct the other party’s mispronounced name. She opened her five fingers and said expectantly, “50 credits, is that okay?”

“50 credits?” Chen Yu frowned.

“Ah… is that too much?” Zhang Yanyan quickly changed her words. “40, 40 credits is fine too…”

“I mean, just 50 credits, is that enough?”

“Oh.” Happiness came too quickly, and Zhang Yanyan was stunned.

“Brother Yu?” Duan Ye tilted his head. “You like her?”

“Don’t talk.” Chen Yu placed his hands on the table and looked straight at Zhang Yanyan. “With our relationship, just say the word.”

“50… 50 is indeed enough. Thank you.” Zhang Yanyan came back to her senses and rubbed her hands excitedly. “We promise that we will return it to you after we finish the mission.”

“There’s no rush.” Chen Yu looked at Bahuang Yao, who was wandering around the room. “Have you found the pen and paper?”

“I’ve found it.”

“Okay.” He took the stack of dusty manuscript paper, shook off the dust, and placed it on the table. “As the saying goes, brothers should settle their debts openly. It’s no problem for me to lend you academic credits, but it’s very reasonable to write an IOU, right?”

“It’s reasonable! Very reasonable!” Zhang Yanyan nodded repeatedly.

“Okay. Then are you sure you want to borrow 70?”

“It’s 50. 50 will do…”

“Oh, 90.”

“No, no, no, 50.”

“Oh, 50.” Chen Yu clicked his tongue. He held the pen and wrote two lines of words on the paper in a lively manner. Then, he handed it to the other party. “It’s done. Take a look.”

“Yes, yes.” Zhang Yanyan tried her best to read Chen Yu’s handwriting. “On August 24, 2024, the borrower (Year 1 Class 4) borrows 50 points from the lender (Year 1 Class 2). Within a month, you have to repay 60 points…”

As she said this, Zhang Yanyan raised her head slowly and looked at Chen Yu. “Are you… A loan shark?”

“Wrong!” Chen Yu vehemently denied it. “It’s a school loan.”

Zhang Yanyan and the others: “…”

Bahuang Yao: “…”

Duan Ye gave him a thumbs up in a daze. “Wonderful.”

“You… Used your academic credits… To become a loan shark?” Zhang Yanyan was in disbelief.

“Borrowing money requires interest.” Chen Yu took back the loan and shook it. “With our relationship, I didn’t ask you for too much. Borrowing 50, returning 60, that’s only 20%. I’m quite benevolent.”

Hearing this, Zhang Yanyan came back to her senses and looked deeply at Chen Yu. She didn’t know what words to use to describe this boy.

After a long silence, she stood up and discussed with her teammates for a moment. She nodded, took the loan, and signed her name on it. “Okay, we’ll borrow it. There’s no need to return the favor. When it’s due, we’ll just return 60 points to you.”

“That’s right.” Chen Yu carefully put away the loan and held the student card. “Let’s go to the hall on the third floor. I’ll transfer 50 points to you. Then we’ll conclude the deal.”

“Okay.” Zhang Yanyan nodded and left with her teammates.

“Chen Yu…” Bahuang Yao hesitated. “Isn’t it not good for us to do this?”

“It’s not good.” Chen Yu nodded. “After all, everyone hates capitalists.”

Duan Ye raised his hand. “But everyone wants to become a capitalist.”

Clap, clap.

Chen Yu and Duan Ye clapped their hands in tacit understanding.

…

Going down to the noisy hall on the third floor, Chen Yu walked to an information desk and said, “I want to transfer some credits to other classes. What procedure should I follow? Where should I operate it?”

“Transfer credits?” The staff member was stunned. “Transfer credits for what?”

“To transfer my credits to other classes.”

“This… This is impossible. How can credits be transferred casually?” The staff member looked Chen Yu up and down. “Credits cannot be traded with each other.”

“Huh?”

Chen Yu was dumbfounded.

His path of becoming rich had ended before it had even begun?

“Why can’t we trade with each other?”

“As the name suggests, credits are for learning. If this kind of thing can be casually traded between students, how can education be done?”

“It’s over.” Duan Ye spread his hands. “It’s all for nothing.”

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Bahuang Yao heaved a sigh of relief.

She really didn’t like Chen Yu’s way of ‘lending money’.

Meanwhile, Zhang Yanyan and the other two, who were waiting behind, looked at each other and laughed awkwardly.

They were all new students and did not understand the credit system of Beijing University. They could only shrug their shoulders and prepare to leave. After all, they could not trade for credits, so there was no point in borrowing or repaying them.

“Wait.”

Chen Yu opened his mouth to stop the three of them as his brain worked rapidly. “There are loopholes in any system. You guys wait for a moment.”

As he spoke, he thought about his surroundings and his gaze was quickly attracted by the large screen that issued missions.

Blinking, Chen Yu scratched the back of his head with a finger. He turned to look at the staff member and asked tentatively, “We students can accept missions, so we should be able to issue missions as well, right?”

“Issue missions? Sure.” The woman nodded.

“If we want to issue an internal mission…” Chen Yu pondered. “How much would it cost to issue a C-Rank mission?”

“No.” The woman shook her head decisively. “In-school students are not allowed to use money to issue missions. This is to prevent some well-to-do students from obtaining a huge amount of points. Even if it was an out-of-school public figure who issued the commission, it would still be vetted by the school.”

“If it doesn’t cost money, then what would it cost?”

“Students can only use credits to issue in-school commissions.”

Chen Yu looked at the staff member as if he was looking at a fool. “Credits? Isn’t that better?”

The woman: “…”

“That’s easy.” Chen Yu spread his hands and walked in front of Zhang Yanyan. “I’ll issue a commission worth 50 credits. If you guys complete it, then I’ll lend it to you.”

“…You can even find such a method.”

“That’s nothing. I dare say that this method of trading credits is well-known by the older seniors. Moreover, the school must have deliberately left this back door open. Otherwise, why doesn’t the student issue a commission that needs to be reviewed?”

Waving his hand, Chen Yu walked to the right side of the hall. In the sparsely-populated commission issue area, he issued a question-and-answer task for the school.

[Class 2 entrustment: How long is Chen Yu’s little brother?]

[C-Rank Mission]

[50 points]

Duan Ye: “…”

Bahuang Yao: “…”

Beep!

He took out his student card and swiped it. Class 2’s original 1,000 points immediately turned into 950 points.

“Go and accept the mission.” Chen Yu looked at Zhang Yanyan.

Zhang Yanyan walked forward. When she saw the mission description, her face was filled with black lines. “What the hell is this mission?”

“The mission is too simple. What if someone else is fast enough and accepts it?”

“This is ridiculous… It’s ridiculous when there’s something about you…”

“Hurry up and go to the ‘Mission Area’ next door and queue up. Finish the mission as soon as possible. Everyone is quite busy.”

“You have to tell me the answer first! How would I know how long your little brother Is?”

Chen Yu: “68 centimeters.”

“…You f*cking fart!”

…

In the end, Zhang Yanyan got 50 points as she wished.

And Chen Yu also began his operation.

Clap clap clap!

Clapping his hands hard, Chen Yu brought Duan Ye to the center of the hall and announced loudly, “Passing by, passing by. Everyone, please be quiet. I have something to announce.”

The hall instantly fell silent. Everyone turned their heads to look at Chen Yu.

“How embarrassing…” Bahuang Yao covered her face and squatted in the corridor far away.

“I have good news to announce. From today onwards, I have opened a loan service. Those who are short of money and don’t have any credits can borrow from me if they are unable to attend classes, buy martial arts techniques, or buy equipment. The lowest is 50 and the highest is 500. Credits are limited. First come, first served.”

Everyone: “…”

“The duration of the loan is within a month. If you borrow 50, you will return 80, if you borrow 100, you will return 150, if you borrow 200, you will return 280. The more you borrow, the greater the discount. What are you all waiting for?”

“…”

“…”

Buzz, buzz, buzz…

As soon as he finished speaking, the students in the hall fell silent for a moment before they began to discuss crazily.

There were some who were doubtful, some who sneered, some who were curious, some who were tempted, and some who had ill intentions.

In less than half a minute, a few people came to Chen Yu’s side and probed him.

After someone took the lead, more and more students surrounded him and started to talk.

Clap, clap!

Chen Yu was surrounded in the middle and clapped his hands vigorously, pointing at Duan Ye. He said, “Look at this one beside me. Whoever wants to borrow credits, sign your name there. After that, I will transfer the credits to you. Don’t ask me about the interest and don’t haggle over the price. Let’s make a deal. If you borrow 50 credits, you can return 80 credits. If you borrow 100 credits, you can return 150 credits…”

…

At the same time, Zhang Tie was accompanying an old man downstairs. He kept smiling apologetically, “Elder Cheng, although Chen Yu has some problems in his mind, he’s not a bad kid. He’s an honest and honest seedling. You just need to educate him. There’s no need to punish him.”

“Hmm, I know.” The old man nodded with a smile, “According to your introduction, this kid has a strong sense of justice. However, he has not grown up yet. Why should I punish him?”

“Thank you.” Zhang Tie cupped his hands repeatedly, “I will find him right away. Elder Cheng, you can wait on the 4th floor. You don’t have to go down there.”

“It’s fine.” The old man waved his hand, “It’s not good to show off in the office. I’ve been educating him all my life. I like honest and talented kids. The more honest and obedient he is, the more promising he will be…”

“Then slow down…”

The moment they arrived at the 3rd floor, they had already heard the noise in the lobby. Hearing the noise, they were both shocked.

“Don’t waste your time. If you want to borrow money, you should get lost.” Standing on the high ground, Chen Yu gestured with his hands and shouted loudly, “I repeat the 8th time! 150 for 100, 300 for 200… who the f*ck is calling me a loan shark? This is a school loan! F*ck…”

“…” Zhang Tie opened his mouth wide.

“…” The old man also opened his mouth wide as he dropped a set of dentures…

Looking down from above, Chen Yu noticed Zhang Tie behind the door and immediately shouted, “Brother Tie! Come over here and help! Our Class 2 is going to be rich…”