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But this is now, and it does not mean that the profits of kimchi are very inconspicuous in the future. In other words, the entire agricultural field in South Korea is very inconspicuous, with the ceiling too low, and there is no chaebol to extend his hands to this area. This gives New Miracle a vacuum, and there is no head chaebol to be a competitor. New Miracle can rush around in the agricultural field and do something that hurts people with its own actions.

That is, after the land annexation operation in Busan, New Miracle annexed a lot of land in Gwangju. On the banks of Rongshan River, one left and one right, two New Miracle vegetable plantations face each other across the river. Near them, a kimchi making workshop in the Nanshi family's family house stands, specializing in making kimchi from the Nanba brand.

It is not difficult to find a famous ancestor for yourself, just like the style of the Li family back then, it is obviously not considered the blood of the Han family, but he gave Li a family the ancestor of my son Li Er.

The reason why the kimchi making shop is in Gwangju is that the kimchi in Gwangju is well-known in South Korea. Everyone has said that the kimchi is made here. Secondly, it is quite a coincidence that there is a kimchi family in Gwangju, which is the Nan family.

The Nan clan family had never had any big names. In the early years, when it was the Li dynasty, someone once went to the palace to be an imperial chef who specialized in pickling kimchi. Later, it was worse than the previous generation. At present, in addition to inheritance and family tree, the Nan clan family lived a bad life. They either worked farming or made kimchi, and had a better future. They went to Seoul to live in a house and tower house in Seoul.

[The house is the loft on the roof. It freezes to death in winter and heats to death in summer, so the rent is relatively cheap.]

At this time, a man surnamed Nan said that he was from the Nan family in Busan. Now he was going to come to recognize his ancestors and continue the genealogy. Not only did he speak, but he also had actions in his hands - he paid for the renovation of the clan family, helped the Nan family's tribes who lived in difficult life, and built roads for the villages where the Nan family lived, and so on.

When you are poor, you will be able to reach the rich, and when you are rich, you will be more relaxed and happy.

The Nan Clan family's family got a benefit. When the old people heard that Nan Jiajun was thinking about reshaping the glory of their ancestors and making the kimchi from the Nan Clan family's family, they naturally agreed. Nan Jiajun was not a descendant of the Nan family.

In this way, the kimchi production workshop of the Nanshi Sect's family was established, and New Miracle accounted for 80% of the shares, and the remaining 20% ​​belonged to the Nanshi Sect's family, which was nominally distributed to the owners of the Nanshi Sect's family, but in fact it was dominated by several old guys from the Nanshi Sect's family.

As for why it is the Nan Daddy brand, Nan Yi firmly denied that it has something to do with him. It was entirely because of Nan Jiajun's marketing considerations. Nan Daddy's kimchi, a strong fatherly love, makes people feel warm when they hear it.

You should know that in South Korea, there are very few fathers and children who can play together. In the minds of most children, the image of fathers is always serious and strict. Too many people suffer from "lack of fatherly love syndrome". A Nan Daddy's kimchi filled with deep fatherly love can make up for the fatherly love that children lack.

...

On the other end of the basketball court, a girl was holding two movie tickets for "The Legend of Ah Fei" in her hand and staring at Nan Jiajun in her arms.

The girl's name is Bian Shangmei. The local girl from Ulsan has a very ordinary family background and looks very ordinary. She also has a pair of glasses that look very rustic on her nose.

Bian Shangmei is one class lower than Nan Jiajun and is considered a junior in the economics department of Nan Jiajun. From the first time she saw Nan Jiajun, she thought Nan Jiajun was very handsome and Zhang Rong in her mind.

As she grew up in school, Bian Shangmei's understanding of Nan Jiajun was increasing. She knew that Nan Jiajun was a top student, studied two majors, and had good grades. She knew that Nan Jiajun's family was well off, and often had servants to deliver food to him. She knew that there were many girls who like Nan Jiajun, but he never accepted any girl's love.

The deeper I understand, the more I love Nan Jiajun, and from time to time I dream of him, being doting, loving, kissing, and being so beautiful, she dreams of everything, but when she opens her eyes and finds it is a dream, she will become very lost.

Such torture lasted for a year, three months and twenty-seven days. Today, she finally mustered up the courage to confess to Nan Jiajun, even if she was ruthlessly rejected, at least she worked hard for love.

Looking down at the movie ticket in his hand, Bian Shangmei's eyes became firm. She looked up, took a step forward, and walked firmly towards Nan Jiajun.

He took the spoon and scraped it in the crock. Nan Jiajun stuffed the last bite of rice into his mouth. The crock was placed aside. He picked up the rice grains that fell on the notes with his hands and put them to his mouth. As soon as he pursed his lips, the rice grains fell into his mouth.

Nan Jiajun cherishes food very much because he has been hungry, snatched the leftovers from the dog basin, licked the ice cream sticks that others just threw down, and experienced the days when he was not full, but had to do heavy work every day and was beaten. He cherished food, cherish everything he had today, and cherished the fatherly love he wanted to share with many people.

After taking the kettle next to it, he was about to take a sip of rice in his throat, when Nan Jiajun found that it was dark and the sun was blocked by someone. He looked up and saw a girl who would often peek at him.

Seeing Nan Jiajun's eyes facing her, Bian Shangmei quickly sent her hands forward, "Senior Nan, can I invite you to watch a movie?"

Nan Jiajun glanced at the movie ticket in Bian Shangmei's hand. After seeing the time of the show, a bright smile appeared on his face, "Okay."

"You answered...will agree?"

Nan Jiajun's answer made Bian Shangmei at a loss. The rational side in her heart had long determined that she would be rejected 100%. However, the emotional side pushed her to take the step that appeared. She was waiting for the rejection answer, but Senior Nan actually agreed?

"Yes, Bian Shangmei's junior."

Nan Jiajun still had a bright smile on his face.

Bian Shangmei asked excitedly: "Senior knows me?"

"Of course, you are the best student in the 1989 academic year, the winner of full scholarship and global scholarships." Nan Jiajun said, smiling calmly, "and often peeking at me."

Seoul University’s scholarship branch is both on-campus and off-campus. Global scholarships belong to off-campus. Funds come from the QSK Group and the New Miracle Group. No matter whether they are national, international students can apply. Students who usually receive this scholarship have the opportunity to go to QSK or New Miracle to participate in internships, and have a great opportunity to officially join.

"Senior Nan has always been following me."

Bian Shangmei's cheeks were shy, her fingers were tangled quietly, and she felt happy.

"At six o'clock, I'll wait for you at the school gate."

"Okay...Okay, Senior Nan, please continue to review the book, I'll leave first." After saying that, Bian Shangmei left with cheerful steps.

As soon as Bian Shangmei left, the smile on Nan Jiajun immediately calmed down and he lowered his head to continue reading the notes.

Nan Yi knows his own family affairs. He knows very well that his views on love and marriage are distorted, so he has never instilled these two ideas into his adopted children. He just talks about the theory of appearance value - no matter how good a woman or a man is, he is not worth having it at a high price. A person's appearance will only continue to depreciate, but wisdom will not.

In fact, being able to get into Seoul University is the best among the same age. Those girls who have confessed to Nam Jiajun will not be too bad. However, Nam Jiajun has no idea of ​​choosing a wife for the time being. At the same time, he also cherishes his feathers and does not want to make his reputation in school become a slutty boy. Therefore, during his time in school, he only plans to have a girlfriend or simply refuse.

Now, he is planning to use the only quota on Bian Shangmei because she is smart enough, and New Miracle is eager to seek talent for people like her. Because she is not good-looking, he can enjoy more and give less in the process of falling in love.

Because of money, Nan Jiajun needs to obtain things from women, so he can completely pull them from more women. He doesn't have to cruelly stare at a woman, and he will get bald.

Men must learn to be kind!

"Jia Jun, Jia Jun."

Just after Bian Shangmei left, someone came to find Nan Jiajun again.

"Senior Mingxun, what's the matter with me?" Nan Jiajun looked at the person who came with a smile.

Park Myung-hoon, Nam Jiajun's friend, has not graduated yet and is currently intern in the Seoul Procuratorate Office. He is a rising star in the South Korean procuratorate system. His future is limitless. His father and uncle are both senior officials of the procuratorate system and have a family background.

Park Myung-hoon walked to Nam Jiajun and sat down, put his hand on his shoulder, "The bastards of Goryeo University want to play another game with us. We must destroy their majesty. You must go, otherwise we may not be their opponents."

"Which day?"

"This Saturday." Park Myung-hoon said, while flipping through the study notes in Nam Jiajun's hand. "You kid still work so hard and want to get all the scholarships from your family?"

"If I could get a few more copies, I wouldn't mind." Nan Jiajun smiled.

"Siba." Park Myung-hoon cursed and patted Nam Jiajun on the shoulder, "Tonight, we plan to go to the cool cb, do you want to go?"

"Not today, I asked someone to go to the movie."

"woman?"

"Yes."

"Haha, you finally dated. Who is that woman? Call it out for everyone to see." Park Myung-hoon laughed.

"Not today, just start, next time."

"Okay, look at the arrangement." Park Myung-hoon patted Nam Jiajun's shoulder again, "You keep working hard. I will go to the Procuratorate to be an intern in the afternoon. Interns have no human rights and have to do any dirty and tiring work. I will go to CB very late. If your date ends early, you can go to the house."

"Now, Senior Mingxun, goodbye."

In the afternoon, Nan Jiajun took two classes, and then he went to the school garden, learned to let go, and began to care about the business of New Miracle.

Xinmiracle Group has 38 Meidubo Shopping Co., Ltd. Although it is the second largest shareholder, it does not have much say in Meidubo’s affairs. A few months ago, after Meidubo increased its support for credit card issuance business, he was very worried about this business, which has a lot to do with South Korea’s credit card system.

South Korea's credit card industry started in Asia second only to Japan. Through years of development, it has become a credit card kingdom in Asia.

In the mid-to-late 1950s, South Korea had just experienced the trauma of war and stood up from the ruins, and its economic foundation was almost destroyed by the war.

In the early 1960s, the Blue House began to implement a five-year economic development plan and a "export-led" economic development strategy, which promoted the rapid development of its own economy. In just over 20 years, South Korea developed from a backward agricultural country to a strong industrial country.

After South Korea's economy developed rapidly, the national personal income increased, purchasing power increased, and consumer demand also shifted from daily necessities to durable goods, as well as high-quality directions such as health, education, and leisure. Consumers' purchasing preferences have undergone epoch-making changes.

The start of South Korea's credit card industry has many similarities with the United States, which is also due to the revolutionary impact of consumer credit business after the economic development, and the urban-rural income gap has gradually narrowed, which has promoted the development of credit consumption methods for large-scale durable goods.

In the early 1960s, after South Korea implemented the five-year economic development plan after the war, the economy developed rapidly, consumers' purchasing power increased, and the basic needs of the people began to shift towards high quality.

In 1967, consumer credit business began to appear among automobile consumer goods, and South Korea's financial industry also began to focus on retail finance. Credit cards, which had just emerged in the United States, were introduced to South Korea as a new way of consumer credit.

The credit card business in South Korea emerged in the late 1960s. In order to promote sales, some large commercial enterprises such as New Century Department Store began to issue internal credit cards, making the issuance of credit cards in circulation preferred over the banking department. This phenomenon completely coincides with the early development trajectory of credit cards in the United States. The credit card industry in the United States also began with the issuance of internal credit cards by many merchants.

In 1978, South Korean exchange bank was the first to enter the credit card business and cooperated with the Visa Card organization to issue the first Visa credit card in South Korea, becoming the first bank in South Korea to issue standard credit cards.

In the following years, as South Korea's credit card business gradually gained attention, major banks and some monopoly group companies also set up credit card departments to carry out credit card business.

In 1982, five banks jointly established the BC card company, becoming the largest credit card issuing company in South Korea.

In 1979, the Blue House announced the opening of the South Korean financial market to foreign financial institutions, which triggered a wave of foreign banks entering the South Korean credit card industry. Yuntong and Dalai Card entered the South Korean market in 1980 and 1984, and the South Korean credit card market was facing a situation of full opening.

Due to the imperfect personal credit system in South Korea at that time, the credit card business system had not yet been established. Commercial companies that issued credit cards in the early stage encountered overdue payments by a large number of individual users, resulting in some commercial companies going bankrupt.

If relevant institutions do not regulate and manage it, it will face a huge blow to the newly emerging credit card industry.

In 1987, the Bank of South Korea enacted the Credit Card Industry Act, requiring only approved operators to engage in credit card business, and allowed the establishment of professional credit card companies.

The major issuing banks have set up independent credit card companies after leaving their credit card business. Some large companies have also set up credit card companies, and the credit card business is ready to be issued in South Korea.

The reason why South Korea's credit card industry took off was the vigorous marketing of Visa International Credit Card Organization, one of the members of the Olympic Global Partner Program [Program] first implemented by the Olympic Organizing Committee in 1985 during the Olympic Games in Seoul, the capital of South Korea.

Although South Korea's credit card industry had begun to show signs before the Seoul Olympics, South Koreans do not seem to be keen on the use of credit cards.

It is the "plan" of the Visa Card organization participating in the first Olympic Games that not only established the industry leading position of the Visa Card organization in the credit card field in one fell swoop, but also awakened the South Korean people from traditional consumption methods and became an important force in promoting the rapid development of the South Korean credit card industry.

The Seoul Olympics in 1988 not only promoted the vigorous development of South Korea's credit card industry, but also in order to use the special financial tool of credit cards to promote national economic growth, the Blue House also began to introduce a series of policies and measures to promote and regulate the development of the credit card industry last year.

Last year, the "Credit Card Industry Law" was revised, allowing financial enterprises to set up specialized installment payment institutions in the form of subsidiaries to regulate them by law; and it was revealed that the provisions related to "use and protection of credit information" will be formulated;

The real-name financial system is implemented to improve the transparency of South Korea's financial transactions. It also stipulates that special institutions are responsible for collecting and managing customer financial and credit information. Financial institutions conduct inquiries in accordance with regulations and build the attributes of public infrastructure for credit information.

The reason why South Korea vigorously promotes credit cards is nothing more than stimulating national consumption and establishing and maintaining a well-functioning credit system through the credit card system.

However, the actual situation is contrary to the expected implementation of the Blue House. South Koreans did not all use credit cards to make early purchases. Instead, many people used indirect fundraising methods such as "cash withdrawal" by credit cards to raise funds, and also used the revolving credit function of credit cards to "use loans to support loans".

At present, South Korea's economy is developing well, and its national income channels are also guaranteed. Most of the citizens who borrow from the country and the increasing number of credit card issuing companies have concealed the fact that a small number of people have used credit cards indiscriminately.

Credit cards have become a time bomb for South Korean finance, and the power of this bomb is still increasing over time. This is a crisis hidden in the dark. In the open, since credit cards are everywhere, merchants are also facing a problem - how to attract customers' attention.

As long as consumers use credit cards to pay for their bills, gas stations, bookstores, airlines, shopping malls, telecommunications companies, bakeries, amusement parks and Wandefu stores, there will be discounts, and even hospitals are no exception.
To be continued...