Volume 7: Mr. Love, Elite Lawyer, and Two Conjectures about Marriage Chapter 489 Yuan Xudong borrows 20 million from Xue Kexin
After three rounds of drinks, Yuan Xudong and Shen Mingbao kept smiling politely. They ate their food and drank their wine while listening quietly to Chen Tonggang's talk. Yuan Xudong finally understood that Chen Tonggang was a typical poor man who suddenly became rich and had forgotten his origins. Xue Kexin packaged him as a young talent and made him take two online classes of the CEO class of Pearl River Business School. He really regarded himself as the CEO, and his words were eloquent, as if he was really a business elite who started from scratch. For someone like him who couldn't see his own position clearly, Yuan Xudong's choice was naturally to praise him highly. Whatever he said was what it was, as long as he and Xue Kexin were happy.
Yuan Xudong flattered, Xue Kexin and Chen Tonggang were very happy, especially Chen Tonggang. He had no status in the eyes of Xue Kexin's father and friends, and no one took him seriously. But Yuan Xudong gave him such great respect, he couldn't help but be very excited, and regarded Yuan Xudong as a confidant, and said with a smile:
"Sister Mingbao, Mr. Yuan, I have a plan for asset acquisition. I studied it all night last night and decided to focus all my energy on pursuing wealth. It doesn't matter that the advertising company is in recession now. Carnegie said that when it is most difficult to raise funds, you should purchase a large number of assets. So I studied the asset acquisition plan all night last night and share it with you!"
"What about the money? Where does the money for asset acquisitions come from?"
Looking at Chen Tonggang who was talking freely, Yuan Xudong couldn't help but ask a question. As a result, Chen Tonggang said shamelessly:
"This is the crux of the matter. Mr. Yuan, do you want to invest in Zhirui Tianjie? My entire asset acquisition plan requires about 100 million yuan. You should be able to come up with 100 million, right?"
Looking at Chen Tonggang who looked serious, Yuan Xudong smiled. This guy is really a big shot, asking for a 100 million investment. If it weren't for Shen Mingbao's sake, Yuan Xudong would have left long ago. He smiled meaningfully and said:
"Boss Chen, have you ever heard of Why Not Eat Meat?"
Hearing Yuan Xudong's light sarcasm, Xue Kexin's face changed slightly. Shen Mingbao glanced at her, and then couldn't help twisting Yuan Xudong's thigh under the table. Yuan Xudong was also unwilling to be outdone. He knew that there would be no good banquet. If it weren't for Shen Mingbao, he would not bother to waste so much time with Xue Kexin and Chen Tonggang. He was angry, so he lifted Shen Mingbao's pleated skirt under the table and twisted her thigh as well. Just when Yuan Xudong and Shen Mingbao were twisting each other, Chen Tonggang, who finally realized that the atmosphere at the table was a little subtle, asked in confusion:
"Why not eat meat? What does that mean?"
Although Shen Mingbao knew that Chen Tonggang was a fool, he never thought that he would be such a fool. He didn't even know the allusion of "Why not eat meat?" Seeing that Xue Kexin looked unhappy and obviously didn't want to pay attention to Chen Tonggang, Shen Mingbao explained to him:
"This is an allusion to Emperor Hui of Jin. It says that there was a famine in the country and the people were about to starve to death. Emperor Hui of Jin was still asking, why don't people drink meat porridge?"
"Oh, I see!"
After listening to Shen Mingbao, Chen Tonggang nodded and said with sudden enlightenment:
"So my asset acquisition plan is meat porridge?"
"Excuse me, I need to go to the bathroom!"
Unable to bear Chen Tonggang's embarrassing himself like this, Xue Kexin stood up and said something, then walked towards the bathroom. Seeing that Xue Kexin seemed unhappy, Chen Tonggang was also a little confused. At this time, Shen Mingbao also stood up from his seat and said:
"I'm going to the bathroom too!"
Watching Xue Kexin and Shen Mingbao leave one after another, Yuan Xudong looked at the somewhat confused Chen Tonggang and said with a smile:
"I heard from Mingbao that you used to be a fitness coach. I have a suggestion for you. If you feel that your ability is not enough, then do the industry you are most familiar with. Fitness is also a very good project, isn't it?"
"Do you think so?"
When Chen Tong heard Yuan Xudong talking about fitness, his eyes lit up slightly, but he backed off in an instant and said:
"But Ke Xin and her family look down on the fitness industry. If I can't prove my ability at Zhirui Tianjie..."
After hearing Chen Tong's complaints, Yuan Xudong smiled and said:
"In fact, every industry can prove itself. Instead of running into obstacles in an unfamiliar industry, why not try your own profession?"
Seeing that Chen Tong was somewhat moved, Yuan Xudong continued to persuade him:
"You can open a gym, then two, three, ten, a hundred, and gradually grow bigger and stronger, and finally successfully go public and become a billionaire. Isn't this better than struggling in the advertising industry where you know nothing?"
Hearing Yuan Xudong say this, Chen Tonggang's eyes became brighter and brighter. His first job was as a fitness coach, and he also liked fitness. Compared with the advertising industry, he was more familiar with the fitness industry. In fact, most people are like this. They don't like to venture into completely unfamiliar industries, but prefer to stay in circles they are familiar with. Chen Tonggang is naturally such an ordinary citizen, and he knows a lot of people in the fitness circle. If he can make great achievements in the fitness circle, to put it politely, he can return home in glory and show off in front of his old friends. In short, he just likes to show off, especially in front of those people who knew him before. On the one hand, he hates pretentious rich people, but on the other hand, he wants to show off like them, so that everyone will admire his achievements and think he is an excellent person.
All in all, Yuan Xudong's words touched his heart, but he still had one last concern, which was Xue Kexin's father's opinion. Thinking of this, he looked at Yuan Xudong for advice:
"But Ke Xin's father and I have agreed that I must earn 10 million yuan in the next year. If I can't do that, he won't agree to let Ke Xin and I be together!"
"This is easy, I can help you with it!"
Looking at Chen Tonggang who was looking expectant, Yuan Xudong said with a smile:
"You can start by opening a gym, even if it's not open yet, and then recruit a group of salesmen to sell memberships. You can promise to give them high commissions, using future time to exchange for current income, and then use this money to open new gyms and recruit new salesmen. Repeat this cycle. As long as you ensure that the capital chain is not broken, your fitness empire can continue to expand indefinitely, and eventually it will be all over Beijing, all over China, and even the world. What do you think?"
Listening to Yuan Xudong's narration, Chen Tonggang's eyes sparkled with infinite brilliance. He thought this plan was great. It was similar to his previous business of selling fitness classes. He would first sell the classes, and then use the customers' money to develop his own business. Thinking of this, he looked at Yuan Xudong and said excitedly:
"Mr. Yuan, thank you. How about we work together? I'll be the company's CEO and you'll be the vice president."
"That's not necessary. I'm very busy right now and don't have the time and energy to start a business. You can do it alone!"
When Yuan Xudong heard that Chen Tong was about to pull him in to do it, he refused without a second thought. What a joke! Only a fool would play with you. This thing might be illegal fundraising. Do you understand what a pyramid scheme is?
Of course, this is somewhat different from pyramid schemes. As long as you can provide good service, it is not impossible to do business according to the model that Yuan Xudong mentioned. Isn't selling houses the same?
However, if the capital chain is broken, it will become an unfinished building incident. Yuan Xudong glanced at the excited Chen Tonggang. According to this guy's ability, it is very likely to end in tragedy. Yuan Xudong's purpose is not to punish him, but the boss of Zhirui Tianjie behind him, that is, the listed company of Xue Kexin's family. Maybe there will be unexpected gains if he makes a move?
Looking at Chen Tonggang who was still excited, Yuan Xudong smiled slightly and said:
"Mr. Chen, how about this? In order to support your fitness business, I will personally invest 5 million yuan in you as the start-up capital for the project. Of course, this 5 million yuan is a temporary loan from me to you. The borrowers are you and Ms. Xue Kexin. If you can't pay it back, Ms. Xue will pay it back, and the interest will be calculated according to the bank loan interest. What do you think?"
"this……"
Hearing that Yuan Xudong was willing to lend him 5 million yuan to develop his fitness business, Chen Tonggang hesitated for a moment. Just when Yuan Xudong thought he was not too stupid, Chen Tonggang actually looked at Yuan Xudong and said embarrassedly:
"Mr. Yuan, isn't five million yuan a little too little?"
"Yes, it is a little less!"
Looking at Chen Tonggang, who had a big appetite, Yuan Xudong said with a smile:
"Well, you ask Miss Xue to write me an IOU. I can lend you a maximum of 20 million yuan. Of course, it would be best if there is some collateral. We are friends and business is business, right?"
"Yes, yes, I can understand. We are friends and business is business. I will discuss this with Ke Xin later!"
"Okay, then I'll congratulate Mr. Chen in advance!"
"Thank you, thank you Mr. Yuan!"
"It's okay, it's just a small matter!"
…
When Shen Mingbao and Xue Kexin came back from the bathroom together, they saw Yuan Xudong and Chen Tonggang having a great conversation, and they couldn't help but be a little surprised. The atmosphere was very good afterwards. After eating and drinking, Yuan Xudong and Shen Mingbao returned to the rose garden, Xue Kexin and Chen Tonggang also went home together. On the way to send Xue Kexin home, Chen Tonggang told Xue Kexin the business plan that Yuan Xudong had told him. Of course, he modified it slightly, and this plan became his own idea. Yuan Xudong's only role was to admire him and was willing to lend him 20 million yuan to start a business, on the condition that Xue Kexin had to borrow it and provide some valuable collateral.
After explaining the plan, seeing that Xue Kexin was still a little hesitant, Chen Tonggang immediately said:
"Ke Xin, your father asked me to make 10 million yuan in a year, but the advertising company lost all the orders. It is impossible for me to make 10 million yuan in the next year. As long as I have 20 million yuan from Mr. Yuan, I can use this 20 million yuan to make 10 million yuan. It will be very easy!"
"But doing business is risky. What if you lose money?"
"Ke Xin, don't you believe in my ability?"
Seeing Xue Kexin doubting him, Chen Tonggang immediately said in annoyance:
"I just didn't know the advertising company well, so I lost money. But I know fitness well. I'm the best fitness trainer, and I know many friends in the fitness industry. I will definitely succeed this time. Do you believe me?"
"Of course I believe you, but..."
Xue Kexin hesitated for a moment and said:
"I don't have any valuable collateral. Twenty million yuan is not a small sum, and I can't let my father know. I..."
"Ke Xin, think about it carefully. Is there anything particularly valuable among the house and jewelry?"
"House, jewelry?"
Hearing Chen Tonggang's reminder, Xue Kexin's eyes lit up and said:
"I have jewels in my safe, but..."
After thinking about it, Xue Kexin finally didn't say that those jewels were the relics left by her mother. She looked at Chen Tonggang and said:
"Tomorrow you will accompany me to my house. I will hold my dad back and you can go to the safe in his study to get the jewelry. The password to the safe is my birthday!"
"this……"
Hearing that he was asked to steal the jewels, Chen Tonggang hesitated and said:
“Does this count as stealing?”
"Those jewels originally belonged to me. I just put them in my father's safe for temporary storage. Don't worry, he usually won't open the safe for a long time. We can just put them back when the time comes!"
"Alright, then tomorrow, I'll go back and prepare properly!"
"Okay, bye!"
"Bye-Bye!"
…
Just when Xue Kexin and Chen Tong had just discussed how to steal their family's jewelry, Yuan Xudong and Shen Mingbao returned to the villa in the Rose Garden. Needless to say, what happened next was harmonious . For his own enjoyment and to punish Shen Mingbao, Yuan Xudong could not wait to carry her to the top floor and gave her a severe lesson all night, making her cry all night.
The next afternoon, Yuan Xudong received Xue Kexin and Chen Tonggang in the Rose Garden villa. Shen Mingbao was not there, and she was still working overtime in the company. At the same time, Xue Kexin did not want Shen Mingbao to know about the mortgage loan, but Yuan Xudong did not care. Looking at the jewelry and real estate certificate that Xue Kexin used as collateral, Yuan Xudong did not comment, but just smiled faintly:
"Ms. Xue, how much money do you want to borrow?"
"Twenty million, we'll borrow twenty million!"
Before Xue Kexin could speak, Chen Tonggang, who was sitting next to her, spoke impatiently. Yuan Xudong glanced at him, and seeing that Xue Kexin did not object, he smiled and said:
"It's no problem to borrow 20 million, Miss Xue. Could you please write me another IOU?"
“It’s my duty!”
Looking up at Yuan Xudong, Xue Kexin still felt a little uncomfortable. This was the first time she had borrowed money from someone since she was a child. She took out the IOU she had already written and handed it to Yuan Xudong. Xue Kexin said:
"If the loan period is 20 million and the loan period is one year, the interest will be calculated based on the bank's one-year loan interest rate, right?"
"Yes, but I have one more thing to add!"
After looking at Xue Kexin, Yuan Xudong added:
"If you can't repay the loan on time after one year, I can dispose of these jewels and your house as I please, okay?"
"No problem. If I really can't pay back the 20 million, all these jewellery and the house will be yours. You can do with them as you please!"
As she said this, Xue Kexin also wrote this on the IOU. She thought it was quite reasonable. It was only natural to pay back debts. Moreover, she did not think that she would not be able to pay back the money. Even if Chen Tong had just failed in business, with only 20 million, could her father still ignore her, his only daughter?
Handing the rewritten IOU to Yuan Xudong, Xue Kexin glanced at the jewelry on the coffee table and said with a complicated look:
"Mr. Yuan, please take good care of these jewels. I will redeem them as soon as possible!"
"Okay, I'll keep it well!"
After everything was settled, Yuan Xudong locked all the jewelry and property certificates that Xue Kexin brought into the safe in the villa, and then accompanied Xue Kexin and Chen Tonggang to a nearby bank and transferred 20 million yuan to them.
Looking at Chen Tonggang who looked very happy and Xue Kexin who had a complicated expression, Yuan Xudong smiled. It was up to them now. Although Yuan Xudong was not optimistic about Chen Tonggang, what if he succeeded?
If he really has that ability, Yuan Xudong doesn't mind continuing to invest in him, but there is a high probability that he will still fail. For entrepreneurship, money is indeed important, but the entrepreneur is equally important.
Yuan Xudong didn't think there was anything special about Chen Tonggang. Of course, this was from a man's perspective. From a woman's perspective, Chen Tonggang still had some advantages. After all, little boys were popular with women, as could be seen from Xue Kexin.
