Chapter 214: Mother and son surrender
Zhang Nianzu plugged the USB drive into the laptop, and with a "dong" sound, a few files appeared on the screen.
Ah San said: "It scared me. I thought it was going to explode."
Zhang Nianzu clicked on the first option, which was a file with a very special format. After buffering for a while, they found that it was actually a website. The screen was full of dense English. The three people asked each other in unison: "Can you understand it?" Zhang Nianzu was speechless. Li Changgui and Asan had no basic knowledge, and it was good enough for them to recognize KFC. He could only patiently look at them one by one. The only word he recognized was "bank". This was probably the homepage of a bank.
When Ah San heard the word "bank", he immediately said, "Can I withdraw money from the bank with this thing?" In his understanding, one still has to go to the bank and queue up to withdraw money.
Zhang Nianzu fiddled with the computer and clicked on all the pages that could be clicked, but it was still full of incomprehensible English and various numbers that made him sleepy. Zhang Nianzu let go of the mouse and said in frustration: "It takes a specialist to understand it."
Li Changgui asked: "Do you know such a person?"
Zhang Nianzu immediately thought of Zhao Weiming's sister Zhao Meir. He didn't remember clearly what this young lady studied before, but it should be related to finance, and she was a top student who returned from studying abroad.
"That's what Zhao Weiming's sister does."
Li Changgui asked: "Can you trust me?"
Zhang Nianzu said: "I don't know if he is reliable or not, but at least he is more reliable than Zhao Weiming - do we have any shameful secrets?"
Li Changgui said, "No." But he added, "But Du Heng may not be the case. He is from our clan..."
Zhang Nianzu said: "I trust her. Although she is Zhao Weiming's sister, they are completely different siblings."
Ah San said, "From what Brother Nianzu said, you can trust anyone who is more reliable than Zhao Weiming?"
Zhang Nianzu smiled and said, "Not really!" He took out his phone and called Zhao Meir.
"Zhang Nianzu?" Zhao Meier's tone was a little surprised. She didn't expect Zhang Nianzu to call her on his own initiative. Before, she looked down on Zhao Weiming's "bad friends". Although she later changed her mind about Zhang Nianzu, the few times they met were not pleasant.
Zhang Nianzu asked directly: "Can you come to my place?"
"Now? Do you have something to do?" It was already late at night, and there was hesitation in Zhao Meir's words.
"I need your help. It's hard to explain over the phone."
"Wait for me."
Ah San said with a smile: "This girl ran back and forth after receiving a call from Brother Nianzu in the middle of the night. It seems that she trusts Brother Nianzu very much."
Zhang Nianzu felt melancholy for a moment and thought of Lei Tingting again.
Zhao Meir wore a dress. Her previously permed hair was now tied into a ponytail and draped over her shoulders. She no longer looked like she was attending an emergency assembly. Instead of looking like a domineering female CEO, Zhao Meir showed her intellectual and gentle side for the first time.
Zhang Nianzu let her in, thinking it would not be a good idea to ask people to work right away, so he asked casually: "What are you busy with recently?" After the rental company of Zhao Chengcai, Zhao Meir's father, went bankrupt, she went to a new company as vice president, but the boss of that company hired her for other purposes. Last time, Zhao Meir had a falling out with him at the instigation of Zhang Nianzu, and Zhang Nianzu had no idea where she went after that.
Zhao Meier said: "I'm not busy at all, and I've quit all my jobs."
"Oh?" Zhang Nianzu was very surprised. In his eyes, Zhao Meir was a workaholic.
Zhao Meier spread her hands and said, "As a human being, you can't always work yourself to the utmost. You need to make time to find your position—" She glanced , "Okay, stop being polite. What do you want from me?"
"Uh, I want you to help me look at something." Zhang Nianzu turned the laptop towards Zhao Meir.
Zhao Meier only glanced at the screen and said, "The homepage of the Swiss Union Bank?"
Zhang Nianzu asked in surprise: "Is this the Swiss Bank?" He knew this name, as if all the shameful money in the world was in this place. In the movies, if it was said that a person had deposits in a Swiss Bank, then this person was most likely not a decent person.
Zhao Meir said, "Yes, it's the so-called Swiss Bank." She smiled and said, "I didn't expect you had business dealings with this bank." Obviously this was a joke. As Zhao Weiming's best friend, she knew Zhang Nianzu's wealth details.
Zhang Nianzu pulled the chair behind her and said, "I just want you to help me see what's wrong here."
Zhao Meier sat down and casually clicked on the account that was automatically logged in by the USB drive. She took a look and her face changed as if she had received a heavy blow. After flipping through a few pages of records, she solemnly closed the notebook and looked up to ask Zhang Nianzu: "This account is not yours, right?"
Zhang Nianzu said honestly: "No."
Zhao Meier asked again: "Was this thing obtained legally?"
Ah San said, "Just say what you see, why do you care so much?"
Zhang Nianzu looked at Zhao Meier and said, "You came to help me and I can't lie to you. If there is anything you can't say or it makes you feel uneasy, just pretend you have never been here."
Zhao Meier also stared at Zhang Nianzu for a long time. She suddenly opened her notebook and said, "This account participated in a parent-child investment project."
Everyone in the room asked together: "What does it mean?"
Zhao Meier said: "The Swiss Bank is the most professional financial institution in the world that provides personal services, but the people it serves are not ordinary people. To put it bluntly, most of them are top-tier wealthy people. Subsidiary investment is both an investment and a way of saving."
Zhang Nianzu asked, "What's more specific?"
Zhao Meier said: "This kind of investment is usually left by wealthy people to their children. It consists of two parts: principal and interest. For example, if a father invests 10 million US dollars in a Swiss bank, the interest generated by the 10 million US dollars will be deposited into his son's account on time every month."
Li Changgui said: "Isn't this the same principle as a fixed deposit, except that the interest is paid earlier."
Zhao Meier said, "It sounds like that. The interesting thing about this investment is that the principal cannot be withdrawn. Let's take the father and son as an example. The son only has the right to control the 10 million interest. Even if the principal is in his name, he has no right to touch the money."
Li Changgui asked: "What's the purpose of this?"
Zhao Meier smiled and said, "You have to know that many of the children of wealthy people are useless second-generation rich. If they are not good at eating, drinking, whoring and gambling, no amount of money will be enough for them to squander. This is when the parent-child investment plays a supervisory role. You can take the interest as pocket money on time, but you can't touch the principal."
Li Changgui said: "It's like tying a piece of meat on the top of a mouse's head. It can lick the fat that falls from the meat, but it can't eat the meat."
Zhao Meier said: "That's right, my father should have given Zhao Weiming a share of the investment."
Zhang Nianzu asked: "So the ownership of the principal has always been in my father's hands?"
Zhao Meier said, "This is another interesting aspect of the parent-child investment. Once this type of investment is established, the original investor will not be able to use the principal for a certain period of time. The minimum period is ten years. In other words, if you decide to adopt this investment method, then within ten years you can only treat this money as nothing to do with you, but you can rest assured and earn the interest."
Li Changgui said: "Isn't this bank getting a great deal?"
Zhao Meier said: "Investors are not stupid. The interest rate of parent-child investment is much higher than that of general investment. This is more like a win-win bet with the bank. Of course, a billionaire investing 10 million is called an investment. No one will invest all their money. This is originally for the rich to play three burrows."
Zhang Nianzu asked: "Do all the wealthy people who play this kind of investment choose a ten-year guarantee?"
Zhao Meier said, "That's not necessarily the case. Some people choose twenty or thirty years. Some people will extend the time to a very long time. Perhaps it's because by then they will be dead, and even if their children squander the money, they won't have to see it or worry about it. Naturally, the bank would like you to have as long as possible."
Zhang Nianzu said, "I see. Let's get back to our business. It's not surprising that this account participated in the parent-child investment. Why are you so shocked?"
Zhao Meier said: "It's not unusual to participate in parent-child investment, but the amount invested in this account is so large that I even thought you were kidding me."
Zhang Nianzu asked, "How big is it?"
Zhao Meier said word by word: "It's so big that it bought two villas in this city with just this month's interest, and the interest hasn't been used yet."
