Chapter 511 Help

After driving to the hotel, Wang Yan found Jiang Pengfei who was already drinking in the corner, looking a little lonely and lonely.

After ordering a few more dishes with the waiter, he walked over to Jiang Pengfei and sat down opposite him: "Uncle Jiang, why are you so drunk?"

Hearing this, Jiang Pengfei raised his head and smiled sheepishly: "Aren't you a little hungry? This place is quite far away from your company, and we are not outsiders, so I will eat first. Take..."

"No need to look for it, I ordered everything just now." Wang Yan waved his hand, picked up the wine on the table, filled it for Jiang Pengfei, and poured another glass for himself: "Come on, Uncle Jiang, I haven't seen you for half a month. Shall we have a drink?"

Jiang Pengfei sighed, raised his wine glass and touched it with Wang Yan, took a big sip, and grinned while holding up his chopsticks to pick up the food and drink. The old boy is like this, he almost doesn't write on his face, "I have something to do, please ask me quickly, ask me quickly."

Wang Yan shook his head and smiled, took a mouthful of food, and asked considerately: "Uncle Jiang, you look worried, what happened?"

"Hey, Wang Yan, I don't have the face to tell you, really." Jiang Pengfei grinned bitterly, took another sip of wine, and said to himself: "If I had known that this day would happen, I should have listened. If you say it, I will regret it..."

"The stock market has indeed been volatile recently. The stocks you talked about to me before have not performed very well recently. Uncle Jiang, did you not have time to clear your positions and were you stuck?"

"Yeah, I'm stuck..."

Wang Yan took out his cell phone and played with it for a while, and then said, "Uncle Jiang, to be honest, I'm still not optimistic about the future of these stocks. No matter how much you lose, what you get in the end is yours. I still suggest you clear your position as soon as possible. The longer you delay, the lower the stock price will be and the greater your losses will be.”

"It's too late. It has been falling continuously in the past few days, and there is even a limit. Even if I get the money back, I will still be bankrupt." Jiang Pengfei sighed: "I met Ye Jinyan a few days ago, just because I wanted to know Are there any good stocks that can help me quickly earn back my previous capital, but he didn't tell me. Wang Yan, you are the only one who can help me now. Your fund's performance is so good, you must know a few strong stocks. Help me, help me, okay?"

Wang Yan shook his head and said: "Uncle Jiang, I really can't help you with this. You see, my performance is good because of the large base. Even if it is just a point of profit, my capital of more than 30 billion is still More than 30 million, this is different. Don't say that I don't know any strong stocks. Even if I know, your current capital should only be 18 million. Even if you pull the daily limit three times, it is nothing more. It’s just over three million, it’s useless.”

Jiang Pengfei drank and ate in silence for a while, then he raised his head and said, "Wang Yan, I'll tell you the truth. This time I bought stocks with borrowed money, and the money I can get back from stock clearance is what you said. It's more than 8 million. But I still owe tens of millions. This amount of money is not enough. I have mortgaged our house to the bank. Recently, the creditors have been calling me every day. I repay the loan and I can’t make any money from the stock. I really don’t know what to do.”

"You want to take away the five million from me? Let me lend you another thirty to fifty million?" Under Jiang Pengfei's fiery eyes, Wang Yan shook his head and said, "Uncle Jiang, I'm telling the truth, don't blame me. . I don’t recommend or agree with you to take away the five million you have here. Firstly, this five million is not enough to fill the hole. Secondly, it is also the guarantee for your family’s future life. You have seen the weekly reports every week. If nothing unexpected happens, there is no problem in making more than one million yuan every year.

I also know something about your family's situation. You and Aunt Dai have never worked. At this age, you have been pampered for half your life. You can't do any work. If you work hard and hard, you can't do it, and neither can Aunt Dai. And your old lady has enjoyed it all her life and has very high requirements for the quality of life. Uncle Jiang, you are a filial man. Even if the old lady is so old, I guess you can’t bear to suffer. With one million, your family's life may be worse than before, but it won't be much worse. You can still live a prosperous life.

If you think about it another way, if I hadn't encouraged you to invest in me, your five million would have disappeared with the stock market. Thinking about it this way, you still made money. In this situation, these five million cannot be moved unless absolutely necessary.

As for asking me to lend you money, Uncle Jiang, I do have a good rapport with you, but in the final analysis, we have only known each other for more than a month, and a loan of tens of millions is not realistic. You know, Uncle Jiang, the investment threshold of my fund now starts at 20 million. I am able to let you invest 5 million, which is already a special consideration. The most valuable thing in your family is the house, but you have already mortgaged it to the bank. What else can you use as mortgage? I believe you lent me tens of millions, what do you want to pay back? "

Jiang Pengfei was just desperate and struggling to his death. It wasn't that he didn't understand the matter. "I'm sorry, Wang Yan, I really don't know what to do." He sighed again and started drinking.

"Exactly how much is owed?"

"The bank loaned me money at a rate of 65%. The valuation at that time was 37 million, and it loaned me 25 million. There were other loans from companies and individuals, and they added up to almost 2,000. About 10,000. I don’t know how much the interest is. It should be several million more, more than 50 million in total.”

"Your house should be able to sell for more than 40 million yuan at a normal market price, and it should be able to sell for 40 million yuan if it is sold urgently. After deducting the bank loan and adding the remaining money in your hand, the matter is almost settled."

Wang Yan calculated the account and said thoughtfully: "Uncle Jiang, admit it, you can't make up for it. If you stop now, you can still get 5 million yuan from me, which will ensure that you will have no worries about food and clothing for the rest of your life. But if you still want to get rich quickly and make back all the money you lost, then it will be a disaster. At that time, the huge gap from wealth to poverty, I think you, Uncle Jiang, who has been pampered for half a lifetime, probably can't bear it, and the result is to find a tall building, close your eyes and jump down, and die. Think about your old lady, Aunt Dai and Nansun."

Jiang Pengfei shook his head and said, "But I don't have the money to pay back the bank. If I release the mortgage on my house, the remaining money won't be enough to pay back the loans from those companies and individuals."

"Since I've proposed it, can I still watch you jump off the building?" Wang Yan shook his head and said, "Let's sign a contract in a while. I'll take out some money in the next few days to release your house first, and then talk to the old lady upstairs in your house to sell the whole thing in a package.

Then look for a buyer. Your house has been sold at a much lower price. It has a good location and is scarce. It's a sure-win business. There's no need to worry about selling it. If no one buys it in the end, I'll take over the house. In addition, let our company's legal department come over and help you negotiate with those companies and individuals who borrowed money, and try to waive the interest and late payment fees. This is my biggest 's ability, Uncle Jiang, you should think about it carefully. "

"Can our house really not be saved?"

"I have reminded you more than once, Uncle Jiang, you should have thought of this day earlier." Wang Yan drank: "You can settle those accounts now, and you have a way out, which is already very good."

"Okay, then let's do it, I'll listen to your arrangements. I'm sorry to bother you again, Wang Yan. We met by chance, and you can help me so much. It's really not easy, thank you." Jiang Pengfei sighed and took another sip of wine: "I should have listened to you earlier, really..."

"It's already this time, why are you still talking about those things. Uncle Jiang, do your family members know?"

"No, I'm a prodigal son, how can I have the face to tell them."

"Find an opportunity these days Let's talk about it. If we don't, the debt collectors will come, right? "Seeing Jiang Pengfei nod, Wang Yan said, "I think you can't stand it anymore, otherwise you wouldn't tell me this. You're in a bad mood today, I'll drink with you. Tomorrow you go to my company to sign a contract, and write clearly that I will help you to advance the money to release the mortgage. It will take me a few days to withdraw 30 million yuan. In these few days, you should stabilize those debt collectors. Let's release the mortgage first and put the house up for sale.

You can also ask your friends if there are any who want to buy a house. They don't lend money to you, so they should be very active in making money. In addition, you should also rent a suitable house for a while, and prepare in advance, so as not to be in a hurry when the time comes. "

Jiang Pengfei has lost his mind, and he nodded woodenly, and tears flowed down his face as he nodded. He has been eating, drinking and having fun for half his life. He used to make a living by selling antiques and extra real estate at home. This time he went bankrupt and had no place to live. You can imagine how flustered he was. Because he had never experienced such a big thing in his life. The huge family business fell in his hands, and the family fell from the upper class to the bottom. This was something he could not bear.

Of course he knew that all this was caused by him. But it was because he knew that he felt that he could not bear it.

Whether a person is mature or not is not determined by age, but by knowledge, knowledge, experience, and corresponding understanding. Only then can he be so-called mature. Jiang Pengfei was spoiled since he was a child. His family was rich. When he went out, he saw mostly smiling faces and heard mostly flattery. If he had no money, he would ask the old lady for money. If he had no money, he would sell something. He lived like this for half his life. His knowledge was the so-called refined life of the upper class. His knowledge was that he was calm when others were crazy, and he was crazy when others were calm. His experience was spending money, losing money, and asking for money.

So strictly speaking, he was just a child in his fifties, a big giant baby who could not handle things. This is why the old man was so depressed that he jumped off the building, because the bankruptcy of his family negated the value of his half-life. He found that he was a waste, only causing trouble and dragging down his family, and it would be better to die.

Now he is probably in the same state of mind, but there is always a little light in his dark world. Because he knew Wang Yan, trusted Wang Yan, invested 5 million in the private equity fund, and left himself a way out, so he was not completely useless.

The world is so beautiful, but the old man is so depressed, which is certainly not right. Wang Yan drank with him, comforted him, and didn't let the old man think too much.

It was almost evening, and Wang Yan ordered some new dishes and had dinner. Then he called a designated driver to drive and sent Jiang Pengfei back to the Jiang family.

Only the old lady ate a table of dishes by herself, saying that Dai Yin was playing mahjong outside and would not come back for dinner. Wang Yan didn't say anything to the old lady. After settling Jiang Pengfei, he went home...

Zhu Suosuo, who was summoned, went straight to the house after work. Seeing Wang Yan drinking tea in the living room, she closed the door, changed into slippers, and sat down next to Wang Yan. In her memory, Wang Yan seemed to always drink tea in this posture when he was at home.

"What's so good about tea? You drink it in the morning and at night, and you never get enough?"

"What I'm drinking now is the Lu'an Guapian that I bought last month, which costs 500,000 yuan per catty." Zhu Suosuo is a very vulgar person, so he can just say how much it costs, simple and direct.

After silently estimating the amount of tea consumed in a pot of tea, Zhu Suosuo's eyes widened: "Doesn't that mean that the pot you are brewing now costs tens of thousands? Give me a cup?"

A pot of tea costs tens of thousands, and I drink it every damn day. What about her? Although I didn't sleep with her every day, I did sleep with her several times, and every time I slept with her until midnight. She only had 50,000 yuan? Or a month?

Of course this is something she would never say...

Zhu Suosuo's Taoism was so shallow that Wang Yan could tell what she was thinking at a casual glance without telling her. Both can make him comfortable, but at such a price, one is a living person and the other is a creature of the market economy, so there is no need to compare.

Just like pouring some water into the teapot, he poured a cup for Zhu Suosuo. Seeing her carefully tasting the taste, Wang Yan shook his head and smiled: "If you can't taste the taste, just drink it from cows. There's no need to force it."

After she finished drinking, he poured her tea again, and Wang Yan asked, "Did Uncle Jiang ask you to meet Ye Jinyan before?"

"Well, how did you know?"

"He came to see me today and told me about his previous visit to Ye Jinyan. I think you are doing well in Jingyan, and Jiang Nansun's aunt has said hello, so she must be acquainted with you. Uncle Jiang's situation is not very good. , have you told Jiang Nansun?"

"I've said it before, but it's useless. Nansun can't make the decision. If he could listen to what he said, Uncle Jiang wouldn't lose the antiques that belonged to my grandma and the several houses they owned. I didn't Let me tell you, before Uncle Jiang came to see me to see Ye Jinyan, he drove away the car that his aunt bought for Nansun, saying that he was borrowing it from a friend to drive for a few days, but I guess he either mortgaged it or paid it back earlier. When I was there, I heard Uncle Jiang calling others and saying that the stock market was not good and that he should give it some time. I also saw him kneeling in front of his grandma and asking for money from his aunt. He must have owed a lot of money outside. "

Wang Yan nodded, poured tea again, pulled the tablet on one side, and said no more.

Zhu Suosuo sipped the taste as much as possible. Looking at Wang Yan's leisurely and contented look, he thought of Ye Jinyan queuing up to buy coffee every day, and then thought of Xie Hongzu's idleness on the yacht...

She shook her head and sighed: "Brother Yan, Dongli will be open for sale in three days. Are you really not going to buy one?"

"How much will I charge you for selling a set?"

"The largest house of 420 square meters can cost more than 100,000 yuan."

"I'll give you 100,000 yuan next month and treat it like I'm buying a house from you. Stop talking to me about buying a house from you."

"Oh..." Zhu Suosuo responded with her mouth bulging. At this moment, she felt that Wang Yan was still handsome without the aura of wealth. He had that kind of straightforward and domineering feeling, which was very exciting.

She drank two more cups of tea and then asked: "Brother Yan, you just said Ye Jinyan, I want to ask, who of you two is richer?"

"Of course it's Ye Jinyan. Jingyan Group is a listed company with a market value of more than 70 billion. If I remember correctly, he personally holds 12 points of shares, which is more than 8 billion. This is on the books In addition, there should be some real estate and other securities investments, etc., which together should be close to tens of billions. Most of my personal assets are cash and securities. Although I have not calculated them carefully, they are six to seven billion. So be it.

Of course, don't look at Ye Jinyan's tens of billions of wealth. After all, most of it is not real money. Let's put it this way, you just need to find someone to get some dirty information about Jingyan Group, whether it's a project quality issue or a corruption issue among the group's top executives, post it on the Internet to hype it up, and then find someone to make a fuss. In less than three days, his more than eight billion will become more than seven billion.

If someone with good intentions takes the opportunity to snipe at the stock market again, causing Jingyan Group to withdraw funds to stabilize the stock price, causing problems in their capital chain, Jingyan Group will begin to fall into bankruptcy crisis in three or four months. If it is not handled well, you will see the news of Jingyan Group being packaged and sold in half a year. By that time, his shares were worthless. Of course, you don’t need to be so surprised. Usually no one does that because it costs too much money. My 600-700 million yuan will be wasted first. Otherwise, how do you think Jingyan Group has grown so far? "

Zhu Suosuo had never studied or paid attention to those things. She just studied how to dress herself up and how to play with rich people. So it still felt very powerful when she heard it. She captured two key points. One was that Ye Jinyan had a net worth of tens of billions, and the other was that although the money was fictitious, it was real.

After she digested it, she thought of the rich second generation on the yacht, and asked again: "Brother Yan, I have a customer who is the Xie family who sells air conditioners in Shanghai. They are quite famous. Do you know?"

"Um."

"Then how strong is their family?"

"It's okay, much worse than Ye Jinyan. That woman, Xie Jiayin, has poor management skills and a small structure. They have been going downhill in the past few years, and I guess I can't support it anymore."

Wang Yan is not talking nonsense based on the plot. He knows a lot about the Xie family. The fact is as he said, the business ability is indeed not good, the marketing is not good either, and it is relying on the previous foundation to support it. Later, Xie Jiayin wanted Xie Hongzu and Zhao Malin to marry, and also wanted to use money and partnership to open up other fields. Sometimes, money can make things happen. Sometimes, it can't. The main thing is to see who is spending the money and how they are spending it. There is no doubt that Xie Jiayin cannot do it.

Zhu Suosuo exclaimed, and asked nervously: "Does the rich second generation have money to buy a house?"

"Companies are companies, individuals are individuals, and a lean camel is bigger than a horse. Even if their company goes bankrupt tomorrow, it won't stop them from spending lavishly. Isn't your Dongli 50 million per set? They still have the money."

"Then I'm relieved. The one you introduced to me before doesn't count. This is my first order, and I'm counting on that rich second generation. When the order is placed, I'll treat you to a big meal. I owed you a meal before, and I promise to let you eat and drink as much as you want this time."

Wang Yan shook his head and smiled. He had made progress. He drank the tea in the cup in one gulp, stood up and said, "Go wash up."

"Okay." Zhu Suosuo smiled, threw her small bag and walked towards the bedroom.

She is now figuring out more and more about how to get along with Wang Yan. It can be summed up in seven words: if he doesn't give it, she can't take it. As long as this is achieved, then in many cases, Wang Yan is really a perfect man, the kind who is good in every way.

Wang Yan packed up the tea set and staggered to the bathroom in the bedroom. Soon, the charming sound of "hmm hum ah hey" came out, echoing and circling in the spacious bedroom...

Although Jiang Pengfei drank too much, he still remembered the business that had been discussed before. The next day, he endured the headache and went to Wang Yan's company and signed the contract drafted by the legal department.

He was a spendthrift, but he was actually a decent person and sensible. He knew that Wang Yan could help him in this way, but it was a chance meeting, so he really did his best. So he didn't have any objection to signing the contract, after all, it was tens of millions.

Wang Yan also asked when he planned to tell his family. Jiang Pengfei said that he would wait until his mother's birthday, have a good birthday, and then talk about it the next day. The old lady's birthday was the same day as the opening of Dongli, which was Saturday.

This was someone else's choice, and Wang Yan certainly didn't care. Then he asked Jiang Pengfei to list how much money he owed and discuss with the legal department whether the late payment fees and interest could be waived. This kind of economic dispute is almost professionally related to their company's business, and it also saves the trouble of finding another lawyer.

After some discussion, it was agreed that on Sunday, Jiang Pengfei would bring all the debtors to his home, and Wang Yan would go with a lawyer to help deal with it.

Of course, in the process, it was still necessary to cheer up Jiang Pengfei, the old guy, who had no energy at all and was very depressed. Unless it was absolutely necessary, Wang Yan did not want to interrupt the old guy's hands and feet, and he still respected people.

Dejectedly leaving Wang Yan's company, Jiang Pengfei went out and called each loan company and someone, asking them to come to his home together, and then went to the agency to look at houses with him, and at the same time to understand the housing prices, and calculate when he can buy another one, and have a beautiful expectation.

After running around for a day, he looked up at the old house outside his home, which had carried his life for half his life. He patted his face hard, opened his mouth and squinted, making his facial muscles active, and finally pulled out a happy smile, opened the door and went into the house, calling mom...

Thanks to (No1 Wuliang Tianzun) for giving 500 coins to continue to support.

Thanks to (Ni Zhengge) (Renshengyu) (fsy Yexing) (Iron Guanyin) (Hai Yu Ji) (brokensword) (Pu Yun Xianren) (Xiao Zhun Ye) (Da Xuan Wei An) (~ Kong Xin Cai~) (Movie World Fan) (Xiao Mantou ABC) (There is a kind of journey called crying) (The old man in the 1980s) (Submarine ing) (Si Qi Si Shuo) (Passerby ya) (What's the situation Zhang Wei) (The killer in heaven) (Fishing Port) (zhengjinzong) (Gongzheng 81) (Yufang) (Qijie Weiwei) 24 big brothers continue to support.

Thanks to the good brothers who voted for the monthly ticket for support,

Thanks to the brothers who voted for the recommendation for support,

Thanks to the big brothers who read books silently for support.