Volume 1: The Golden Years Chapter 44: The Jiang Family Crisis Begins
At 8:22 pm, in a private room at the Park Hyatt Hotel.
"China is currently at a stage where the post-industrial era and the industrial era are both approaching at the same time. This stage is not comparable to other countries. So, in the long run, I am still optimistic about the stock market. You can appropriately invest in some blue-chip stocks, such as the Jingyan Group you mentioned.
Of course, the stock market is unpredictable at this stage, so I suggest you leave the market and wait and see. Whether you are going long or short, there are certain risks involved.
From my personal perspective, I do not approve of short selling, because short selling is more dangerous than long selling. Theoretically, without leverage, the maximum loss of long selling is the principal, which is a 100% loss. The loss of short selling is incalculable and can be infinite in theory!"
After saying that, Li Yifan looked at the waiter who had been standing not far away waiting for orders and said:
"Waiter, are there any more dishes?"
"Mr. Li, there is one more vegetarian dish and one more dessert!"
"Come on together, we have to leave before nine o'clock!"
"Okay, Mr. Li!"
Hearing Li Yifan urging the waiter to serve the food, Jiang Pengfei looked at the Rolex on his left wrist, then looked at Li Yifan and said flatteringly:
"No hurry, no hurry, it's not even 8:30 yet, we can eat and talk at the same time. It's so rare to hear you talk, my confidence in investing in the stock market is getting stronger and stronger!"
Seeing her father Jiang Pengfei trying desperately to curry favor with Li Yifan, Jiang Nansun stood up expressionlessly and said:
"I need to go to the bathroom!"
After saying that, without waiting for everyone's response, she left her seat and walked out of the private room. Seeing Li Yifan's embarrassed expression, Jiang Pengfei immediately said unhappily to his daughter Jiang Nansun's back:
"Why do you have so many things to do? Why are you going there three times at once?"
Mother Jiang stood up and looked at Li Yifan embarrassedly:
"Mr. Li, I'm sorry, Nansun isn't very sensible. I'm going to go out and see her. You and my husband can eat slowly. I'll be leaving for a while!"
"It's okay, go see Miss Jiang. I think she doesn't seem to be in a good mood!"
Nodding slightly, Mother Jiang left her seat and walked out of the private room, into the bathroom, and found her daughter Jiang Nansun hiding in the corner and making a phone call.
Jiang Nansun leaned against the wall and said in a wronged voice:
“Suosuo, come and save me quickly!”
"Don't worry, Mr. Yuan and I are on our way and will be there soon. Where's your Zhang Anren?"
"I couldn't contact him. I asked my classmates to look for him. He was reporting to the new department head and couldn't come!"
"If you can't come, then don't come. I will let Mr. Yuan ride on a colorful cloud to save you like Zhizunbao. Don't worry!"
When Jiang Nansun heard Zhu Suosuo say that Yuan Xudong was coming to save her, before she could even open her mouth to refuse, someone patted her on the back. She was so scared that she almost threw her phone away.
Seeing her daughter's big reaction, Mother Jiang was also shocked. She patted her chest and scolded:
"What are you doing, you little bitch? Why are you reacting so strongly?"
"Mom~~"
Turning around and seeing that the person taking the photo of her was her mother, Jiang Nansun stamped her feet and said angrily:
"You almost scared me to death!"
After saying that, she looked at her mobile phone. The call ended. She didn't know whether Zhu Suosuo hung up the phone on her own initiative or she hung up the phone unintentionally. She hadn't yet said the words to refuse Yuan Xudong's help.
"You damn girl, you almost scared me to death!"
Mother Jiang rolled her eyes and reminded Jiang Nansun while fixing her makeup in front of the sink:
"If you don't like it , then don't like it. He is quite polite. Come back with me to eat. When you are out, give your father some face. Got it?"
"Got it, Mom!"
Jiang Nansun pouted, her face full of unhappiness, and reluctantly followed her mother back to the private room. She watched her father Jiang Pengfei trying desperately to please Li Yifan while keeping smiling beside her. The grievance and discomfort in her heart were simply indescribable. It was the first time she saw her father currying favor with others, just like Zhang Anren trying to please him, humble and insignificant!
…
In front of the Park Hyatt Hotel, a dark-black BMW 7 Series stopped. Yuan Xudong got out of the car with Zhu Suosuo, threw the car keys to the waiter next to him, and gave a few tips.
"Thank you sir, thank you miss!"
Yuan Xudong nodded slightly, and walked into the Park Hyatt Hotel with Zhu Suosuo, looking at her and said:
"You won't come with me?"
"I'll just wait for you in the hotel lobby!"
Zhu Suosuo shook her head slightly, and then said worriedly:
"Be serious. Nansun and I have agreed that you will pretend to be her boyfriend so that the obsessive blind date guy will give up. Also, your uncle and aunt are right next to you, so you should be careful and don't embarrass them. Got it?"
Hearing this, Yuan Xudong rolled his eyes and said:
"I know. You've said it eight hundred times. You care so much about Jiang Nansun's affairs. It's been buzzing in my ears. People who don't know would think you are Jiang Nansun's mother!"
Hearing Yuan Xudong teasing her, Zhu Suosuo couldn't help but twist her waist around him, rolled her eyes at him and said angrily:
"You're just a talker!"
After entering the lobby of Park Hyatt Hotel, Yuan Xudong and Zhu Suosuo separated and went to the private room where Jiang Nansun was. After a while, he heard Jiang Pengfei's laughter in the corridor outside. A smile appeared on his lips and he pushed the door open.
Hearing the sound of the door opening, everyone looked in the direction of the sound and saw Yuan Xudong, dressed in a neat suit, push the door open with a smile on his face. He looked like a nobleman on TV, handsome and with extraordinary temperament.
Before everyone could react, Jiang Nansun, who had been mentally prepared, stood up and walked over, took Yuan Xudong's arm and introduced him to Li Yifan:
"Uncle Li, this is my boyfriend Yuan Xudong. He is my senior in college. He is here to pick me up and take me back to school. We are planning to get married next year and have already bought the wedding house. Thank you for inviting our family to dinner today. I will invite you to our wedding banquet later!"
After that, she looked at Yuan Xudong beside her and smiled:
"Yuan Xudong, hurry up and say hello to Uncle Li. Uncle Li told my dad a lot of inside information. When he gets rich from stock speculation, he will be able to buy us a bigger wedding house. Are you happy?"
“Of course I am happy!”
Yuan Xudong held Jiang Nansun's waist. Seeing her long hair draped over her shoulders and wearing a sexy dress with bare shoulders, he couldn't help but hold her left fingertips, kissed her forehead and said:
"Nansun, you look so beautiful in this outfit!"
Seeing that Yuan Xudong was taking advantage of her again, Jiang Nansun kept smiling while pinching the soft flesh on Yuan Xudong's waist from behind. Feeling Jiang Nansun's love for him, Yuan Xudong hugged her even tighter, and the two of them clung to each other like conjoined twins, maintaining elegant smiles on their faces.
Seeing Yuan Xudong and her daughter acting so intimately, Jiang's mother was surprised, and Jiang Pengfei was even more shocked and said:
"Xiao Yuan, why are you here? How come you and Nansun are...?"
Before Jiang Pengfei could finish his words, Jiang Nansun interrupted him immediately:
"Yuan Xudong is my boyfriend. It's useless for you to deny it. I just like him and want to marry him. It's up to you!"
After that, she stood on tiptoe, pecked Yuan Xudong on the lips in front of Jiang Pengfei, Jiang's mother and Li Yifan, then looked at Li Yifan and said:
"Uncle Li, Yuan Xudong and I are truly in love, and I hope you can bless us!"
"Nansun, you..."
Without waiting for Jiang Pengfei to get angry, Li Yifan took the initiative to extend his hand to Yuan Xudong and said hello:
"Mr. Yuan, I didn't expect that we would meet in such an occasion. It's so embarrassing. I didn't know that Miss Jiang was your girlfriend. I'm so sorry!"
Seeing that Li Yifan and Yuan Xudong knew each other, the Jiang couple were slightly stunned. Jiang Nansun, who was being held by Yuan Xudong's slender waist, was even more stiff. She was full of embarrassment and grievance. She felt like a clown performing a one-man show in front of Yuan Xudong and Li Yifan, and she didn't even realize it until others said it!
Not knowing what Jiang Nansun was thinking, Yuan Xudong hugged her and shook hands with Li Yifan.
"Mr. Li, I would like to thank you and your company for your help. Otherwise, I alone would not be able to handle the securities lending resources of so many companies. Don't worry, after I close my positions, in addition to transferring part of the funds, I will entrust you and your company to help manage the rest. Please help me buy some stocks of liquor, pharmaceutical, and consumer goods companies!"
"Thank you for your kindness, Mr. Yuan!"
Li Yifan thanked him, then looked at Jiang Pengfei who was stunned and said:
"Mr. Jiang, since you know Mr. Yuan, why did you come all the way to ask me for these superficial opinions?"
Hearing this, Jiang Pengfei suddenly realized:
"Xiao Yuan, no, Mr. Yuan, you are the mysterious client that Teacher Li mentioned. You are the one who started shorting the stock market a few days ago and made a fortune in this circuit breaker crisis, right?"
Without waiting for Yuan Xudong's response, he slapped his thigh and said regretfully:
"I should have thought of this earlier. If I had listened to you and shorted the stock market, I would be rich now!"
Hearing what Jiang Pengfei said, Li Yifan was worried that Yuan Xudong would misunderstand that he had deliberately leaked the client's privacy, so he quickly explained:
"Mr. Yuan, I didn't mean to disclose your personal privacy. I just mentioned it to Mr. Jiang. I didn't expect that you two would know each other. I'm so sorry!"
"It's okay, just be more careful next time!"
Yuan Xudong nodded slightly to show his understanding, and then continued to speak tactfully:
"Mr. Li, it's getting late, what do you think...?"
"understand!"
Li Yifan smiled and nodded, then looked at the Jiang family, Yuan Xudong and Jiang Nansun and said:
"Mr. Jiang, Mrs. Jiang, Mr. Yuan, and Miss Jiang, it's getting late. I won't disturb your family reunion. See you next time!"
"Teacher Li, see you next time. I'm really sorry for today!"
"It's okay, we're just having a quick meal together!"
After sending Li Yifan away, the Jiangs returned to the private room. Jiang Nansun immediately broke away from Yuan Xudong, staring at him and said:
"Yuan Xudong, is this interesting?"
Seeing Jiang Nansun's angry face and tears welling up in her eyes, Yuan Xudong apologized sincerely:
"I'm sorry, if anything has offended you, I apologize here!"
Seeing Yuan Xudong apologize to his daughter, Jiang Pengfei immediately smiled and said flatteringly:
"Mr. Yuan, Nansun is immature. Don't bother with her. I wonder what your relationship with Nansun is now?"
"It has nothing to do with anything!"
Without waiting for Yuan Xudong's response, Jiang Nansun immediately mocked her father Jiang Pengfei:
"Did Mr. Li Yifan help you speculate in stocks? How much money can you make? In order to speculate in stocks, you sold your house, antiques, and gold bars. You sold everything of value in your home. Now you want to sell your daughter? It's only been one day, and you have forgotten what you said last night?
You know what? Li Yifan is nothing, it's you who makes me feel sick. I feel particularly sick when I see you trying so hard to curry favor with others. I will never forget your disgusting face when you try to please others. You are so humble and servile. If grandma knew that she had a son like you, she would feel sick too!"
Hearing that his daughter Jiang Nansun and Yuan Xudong were not in a relationship, and that she had scolded him in front of Yuan Xudong for his disgusting face of trying to please others, Jiang Pengfei's face was gloomy, and he pointed at Jiang Nansun and said emotionally:
"Isn't your boyfriend Zhang Anren disgusting? You treat him as your soulmate, but what does he treat you as? In my eyes, his biggest problem is that he is too fake, a hypocritical person.
He obeys you in everything. Have you ever used your head to think about it carefully? Have you ever doubted that he is packaging himself and wants to use you as a springboard for him to gain a foothold in Shanghai so that he can get a Shanghai hukou in a few years? Have you ever thought about it?"
Seeing her father Jiang Pengfei talking about Zhang Anren, Jiang Nansun, who had already been furious, blurted out:
"I am willing to be a stepping stone for Zhang Anren. I don't want to be a stepmother to Li Yifan's child. Is it your business? Take care of yourself first!"
Hearing this, Jiang Pengfei pointed at Jiang Nansun, trembling with anger and said:
"Say it again?"
Jiang Nansun stared at her father Jiang Pengfei who was nearby, and responded even louder:
"Take care of yourself first!"
Bang~~
"Jiang Pengfei, what are you doing?"
Seeing her husband slap her daughter Jiang Nansun, Jiang's mother hurriedly stepped forward and stood between Jiang Pengfei and Jiang Nansun. While comforting her daughter who was beaten with heartache, she looked at Jiang Pengfei angrily and said:
"Jiang Pengfei, what's the point of beating your own daughter? My daughter is right, you should take care of yourself first. If you lose money in stock trading, don't even think about using my daughter to pay off your debts!"
Seeing that both mother and daughter were looking at him viciously, Jiang Pengfei was so angry that he said without thinking:
"Nan Sun is my daughter, a princess that the Jiang family has worked hard to cultivate for more than 20 years. Even if she becomes a stepmother or a lover to a rich family, it is a hundred times, a thousand times better than marrying that hypocritical poor guy Zhang Anren!"
"Uncle, you'd better say less, or you'll regret it later!"
Looking at Jiang Pengfei who was angry, Yuan Xudong persuaded him, then walked to Jiang Nansun, handed her a napkin he carried with him and said:
"If you want to cry, just cry. If you don't have a handkerchief, use a napkin. Suosuo is waiting for you in the hotel lobby. It's not suitable for you to go home like this. Go and rest at Suosuo's place. She just rented a house today!"
Hearing this, Jiang Nansun took the napkin handed over by Yuan Xudong, wiped her tears, and sobbed softly:
"I'm not going to your place. You're not a good person!"
Seeing that Jiang Nansun was crying and still blaming herself, Yuan Xudong said with a smile:
"Don't worry, let your aunt accompany you to Suosuo's place. I will stay at the Park Hyatt Hotel to rest tonight and will not go back. Please tell Suosuo for me. I will rush back tomorrow morning!"
Seeing Yuan Xudong's thoughtfulness, Mother Jiang comforted her daughter Jiang Nansun while looking at Yuan Xudong and thanking him:
"Mr. Yuan, thank you. Nansun and I will just go to Suosuo's place to disturb him for one night. Sorry to have troubled you!"
Seeing that Mother Jiang was so polite, Yuan Xudong quickly said modestly:
"Aunt, you should call me Xiao Yuan. It sounds more intimate this way. I've said before that as long as Nansun needs me, I will always be by her side to protect and take care of her!"
Seeing Yuan Xudong's blunt words, Mother Jiang was slightly stunned, and then she said goodbye:
"Then I'll call you Xiao Yuan. I'll ask you to take good care of Nansun. It's getting late. Nansun has to go to the Songjiang construction site tomorrow. I'll take her to find Suosuo first. You can talk to my husband. See you tomorrow!"
"Aunt, Nansun, see you tomorrow!"
Seeing Mother Jiang hugging Jiang Nansun out of the private room, Yuan Xudong sent away the hotel waiter who had been standing at the door, closed the door, and then looked at Jiang Pengfei and said straight to the point:
"Uncle, let me be frank. How long has the Jiang family been bankrupt?"
Hearing this, Jiang Pengfei was stunned. After hesitating for a while, he admitted in a low voice:
“I went bankrupt three years ago, and I borrowed money from friends and some lending companies in society, but I have been borrowing from Peter to pay Paul.
I originally planned to take advantage of this leveraged bull market to make a fortune, and I made a lot of money in the beginning. Then I invested more and more capital, and the leverage became higher and higher, until now, the situation has reached the limit down, and I can’t sell them even if I want to.
If there are two more limit downs, I will lose all the principal I borrowed. I really have no other choice but to marry Nansun to Li Yifan. Nansun is my biological daughter, and I don’t want her to be a stepmother to someone else’s child. I really have no other choice!"
After saying that, he looked at Yuan Xudong and pleaded:
"Xiao Yuan, can you lend me some money as a margin? The stock market won't keep falling. As long as there is no liquidation, it will go back up one day. When the time comes, I will return you the principal and interest. What do you think?"
Upon hearing this, Yuan Xudong did not answer but asked:
"Uncle, even if the stock market can go back up, are you sure how long it will take? Based on an annual interest rate of 10%, are you sure your stock income can achieve this rate of return? The most important thing is that the return is not proportional to the risk. The Jiang family has gone bankrupt and is even heavily in debt. I really can't find a reason to lend you money!"
Hearing Yuan Xudong say this, Jiang Pengfei immediately said excitedly:
"I can mortgage the property certificate to you. If time is not too short, I can also apply for a mortgage loan from the bank. You just need to lend me 50 million.
According to the ten percent interest rate you mentioned, the annual interest is five million. If I can't pay it back, I still have the house, so you won't suffer any loss. What do you think?"
Yuan Xudong shook his head slightly and said:
"The stock market will continue to fall. If I lend you money now, your Jiang family will not even have this last house. At that time, for the sake of Suosuo and Nansun, can I still forcibly take the house?"
Hearing Yuan Xudong say that the stock market will continue to fall, Jiang Pengfei slumped to the ground and muttered to himself:
"I have added leverage. If the margin is insufficient, the securities company will definitely force liquidation. By then, the borrowed principal will be gone. If I'm unlucky, I will have to pay the difference caused by the securities company's liquidation. The Jiang family is finished. This last house will not be saved!"
Looking at the distraught Jiang Pengfei, Yuan Xudong comforted him:
"Uncle, it's better to be forced to close your positions by the securities company than to hold on to it. Selling the garden house to pay off the debt should be enough, right?"
"The house cannot be sold. It is the last dignity of the Jiang family!"
Jiang Pengfei shook his head repeatedly. He looked at Yuan Xudong and pleaded:
"Xiao Yuan, if my account goes bankrupt and I don't pay the interest on time, the creditors will definitely come knocking on my door. For the sake of Suosuo and Nansun, you must help me!"
Hearing this, Yuan Xudong frowned slightly and said:
"How much did you borrow in total?"
Jiang Pengfei swallowed his saliva and said:
"Including principal and interest, I owe others more than 30 million yuan in total, less than 40 million yuan. You can just lend me 40 million yuan!"
With a flash of disdain in his eyes, Yuan Xudong calmly analyzed:
“Don’t forget, you’ve added five times leverage. If you’re unlucky and the stock keeps hitting the limit down and you can’t sell it, then based on a 50% drop, you’re likely to end up with a debt of around 100 million yuan.
If you don't sell the house, I will borrow 100 million yuan from you for no reason. To be honest, I don't think your Jiang family has the ability to repay 100 million yuan. Even if the annual interest is 10 million yuan, your Jiang family can't afford it, right?"
After that, seeing Jiang Pengfei slumped on the ground and unable to speak, Yuan Xudong squatted down and whispered seductively in his ear:
"Uncle, there is a solution. It just depends on whether you are willing to put up with it a little!"
