Nan Yi is an advanced worker and a backward person in love. When Priyanka was in a good mood, he pressed the pause button in disappointment.
Airport.
Bidding farewell to the reluctant, sticky, pendant-like Priyanka, Nan Yi boarded the plane to the south, squeezed into the bathroom to wash up, lay down on the bed in the bedroom, rubbed his waist to relax, "Alas, young people really don't know how to be moderate, it's killing me."
Nan Yi slept all the way to Xiangkeng, stayed there for one night, crossed the border into Shencun the next day, and went directly to Echeng without stopping.
Coming to Echeng again, Nan Yi felt that it was much more prosperous than it was two years ago. The Funan accent, or to be more precise, the Baoqing accent, had become more common. Everyone was wearing Montblanc, and no matter whether they had a belly or not, they were all sticking out. They had a bag under their armpits and a mobile phone in their hands, and they were feeding their customers all the way, showing their true colors as big bosses.
"Montejiao, oh, what a pity, the chance could have gone to Wenchangjiao."
Nan Yi sighed slightly, went to the lobby of a hotel, borrowed the phone at the front desk and called a room.
After a while, Qiao Weiping, who had a red nose and a small belly, trotted to Nan Yi and said, "Director Nan, you are finally here. If you hadn't come earlier, I would have been so anxious."
"Weiping, what you said is so false." Nan Yi patted Qiao Weiping's belly. "It seems that you are enjoying your life in Echeng very much, enjoying a lot of good wine and food. Are you reluctant to leave?"
"Socializing, socializing, all socializing." Qiao Weiping said guiltily.
"Okay, I'm not your wife, I don't care about your mess, let's go, find a quiet place."
Nan Yi waved his hand and walked out of the hotel first. The group went to the beach of Xiaoya Bay Petrochemical Zone, facing the sea, with three big trees behind them. Qiao Weiping told Nan Yi the stories of Goose City and Xiaoya Bay.
Starting from 1989 when the saying "Look at Shenzhen for the 1980s and look at Echeng for the 1990s" was spread, to the release of the "Interim Regulations on the Grant and Transfer of Urban State-owned Land Use Rights" in May 1990, and then to the four tigers of Baoqing coming to Echeng to speculate in land, one brought two, two brought two pairs, and more and more people from Baoqing went to Echeng and Xiaoyawan to buy and speculate in land.
Even the deputy county magistrate and deputy director of the Public Security Bureau of Baoqing County resigned from their public posts and came here to invest in real estate in partnership with others.
Due to the success of Baoqing businessmen, in less than two years, the Baoqing County Government sent more than 20 departments to Echeng and Xiaoyawan to build windows. The main leaders of the county party committee and county government led teams to inspect many times. They highly praised the development prospects of the real estate market in Echeng and Xiaoyawan.
The leaders are optimistic about it, and there are too many successful , some of which are well-deserved and some of which are just rumors. Regardless of whether they are true or not, in the eyes of Baoqing people, Echeng and Xiaoya Bay are a gold mountain, a gold mountain that anyone can move.
Unity is strength. Many people rowing together can move a boat. If one person cannot move it, everyone can unite to move it together.
Inspired by the story of moving to Jinshan, a lucky man from Baoqing came to Echeng with 100,000 yuan. After two days, he spent all 100,000 yuan to buy a piece of land. After buying it, he went home to celebrate the New Year. On the night of New Year's Eve, while he was eating the New Year's Eve dinner, someone knocked on his door. Duang, one million yuan was placed on the table and his land was bought directly.
Feeling that he had picked up a great bargain, the puzzled lucky man returned to Echeng after the Chinese New Year with 1 million yuan. Then he heard the words "Southern Tour" from other people. When he figured out the meaning of these two words, he rushed back to Baoqing in a hurry. He didn't want to make a small move, he wanted to make it bigger and stronger.
The lucky guy was not only lucky, but also a very capable person. In half a month, he raised 24 million yuan at an annual interest rate of 30% and returned to Goose City.
The lucky guy's fund-raising behavior is not an isolated case. In fact, the earliest fund-raising took place in June 1991. At that time, as long as the annual interest rate was slightly higher than the bank's maturity period, funds could be raised. As more people raised funds, they competed for funds with each other, and the annual interest rate naturally rose higher and higher, from 10% to 15%, and then jumped all the way up. Now it is less than 25%, and no one cares at all.
Through direct investment, fund-raising, unit investment and loans, nearly 10 billion RMB bearing the imprint of Baoqing County have been spent in Echeng and Xiaoya Bay.
The land was being sold for a long time. In just the past two or three months, Xiaoya Bay created many millionaires and billionaires. Goose City also became a city that never sleeps. People made money from real estate speculation and had so much money that they didn't know how to spend it.
When buying a lighter, as long as the store owner says "no change", the speculators will immediately wave their hands and refuse to give any change.
In the afternoon, they would toss around with the ladies first, and then when night falls and the lights come on, they would go to the karaoke bar, call a large group of ladies, take out a handful of money in the private room, throw it in the air, hold a cigarette in their mouths, and watch the ladies fight for it with a smile; some would even hold the microphone and hum a few words in the flying snow of money, "I am addicted to wine again and again, when will I numb my depression, and everything in the past will calm down."
I have too much money, and I have lost the motivation to strive. I spend my days in debauchery and have lost myself. I want to get back the direction I lost, but... there is really too much money. I can't spend it all, so there is no point in striving.
Some arrived relatively late and have not made the big money yet. They have made a little bit of small money of hundreds of thousands or millions, and they speculate in land, buying today and selling tomorrow. It is not convenient for them to save money, and they are not used to keeping money in the bank. The passion of getting rich overnight fades away, and what is left is fear and worry. They feel it is unsafe no matter where they put their money, so they can only tie it to themselves. Although they are heavy smokers, they never carry cigarettes or lighters with them, for fear of accidentally setting the money on fire.
When you go to bed at night, you put the money under the bed. When you wake up the next day, you will find the money scattered everywhere.
Some are more open-minded and don't want to work hard themselves, so they pay others to do it for them. The best Zhonghai Hotel in Aotou has comprehensive services, including eating, drinking, defecating, urinating, smoking, and sleeping. You don't have to go out, and all problems can be solved in the hotel. The open-minded speculators treat the hotel rooms as vaults and have people guarding the doors and wearing pistols.
In addition to the Zhonghai Hotel, Sanmianshan Baiguoyuan is the second choice for speculators. The accommodation conditions are better, it is close to the mountains and water, and the food is fresh. If you want to eat a tomato, you can go directly to the vegetable garden, eat half of it, and leave the other half on the tree to let it grow longer.
Unfortunately, the food and drinks at Sanmianshan are good, but the boss is a blockhead, he doesn't know what the customers think, he doesn't care about what the customers care about, he even has to bring his own meat if he wants to eat meat. Because of the small number of business items, the business of Sanmianshan is slightly worse than that of Zhonghai.
Listening to Qiao Weiping's story that had nothing to do with ordinary people, Nan Yi suddenly picked up a telescope and looked at the sea. A large aircraft was flying towards them. There was a car on the large aircraft with a conspicuous logo on the front of the car. It was undoubtedly a Mercedes-Benz.
"How much is a Tiger-head beetle ticket in Xiaoya Bay?" Putting down the telescope, Nan Yi turned around and asked.
Qiao Weiping replied: "Forty or fifty for a good one, and thirty or twenty for an average one."
"Is it covered?"
"It's another deal. There are 5,000 and 10,000. The market is a bit chaotic."
"Oh, are you tired of staying in the South?"
Qiao Weiping pondered Nan Yi's words for a moment and asked tentatively, "Director Nan, are we going to sell our land?"
"Our land is worth 300 million, right?"
"At least 340 million."
Qiao Weiping reported a number that he updates every day and keeps in mind.
"map."
Qiao Weiping took out a map of Xiaoya Bay from his bag and spread it out in front of Nan Yi. Nan Yi took a pen and crossed out the three circles on the map. "I'm not selling these three pieces. How much?"
"Deduct 25 million."
“Can it be finished in a week?”
"Director Nan, if you do something too big, others might lower the price."
“Is 300 million a problem?”
“It’s not a big problem.”
"Okay, one week, 300 million." Nan Yi looked at Qiao Weiping and said sternly, "Don't be greedy, and don't act on your own. Just go for the quick word. It's okay to make less money. Remember, only what you put in your pocket is safe. No matter how big the number is now, it's nothing if you can't get it back."
"Director Nan, I understand. I will sell the land as soon as possible." Qiao Weiping promised solemnly.
"Um."
Nan Yi nodded and waved to the school beauty behind him.
When the school beauty saw the greeting, she immediately handed over a luggage bag to Qiao Weiping, which contained official seals and land certificates of 37 companies including Xiaoya Bay Space Development Co., Ltd.
Soon, Qiao Weiping left, and Tianxian was sent to follow him as a laborer and carry his bags.
At the same time, on the highway from Yangcheng to Shencun, two trucks with trailers full of construction workers were heading towards Xiaoya Bay.
The two truckloads of workers were borrowed by Nan Yi from Nan Chen Construction. The laborers brought pickaxes and shovels, and the carpenters brought axes. They only needed to grind some foreign labor on the reserved land and go out to show their strength when needed. Two hundred yuan a week, plus extra money if they needed to go out, was still quite cost-effective for the workers.
Nan Yi stayed at the beach for a while, looking at the sea from time to time with a telescope. In just over an hour, he saw a total of seven large aircraft. Three of them were Benz, two were BMWs, and he was not sure about the remaining two, but they could probably be cars.
After leaving the beach, Nan Yi checked into Sanmianshan Baiguoyuan. After a short rest, he called the manager Jiang Daoli to his room and asked him about the guest composition and charging standards of Sanmianshan. He also asked about the consumption levels of other hotels and entertainment venues in Echeng and Xiaoya Bay.
Compared with Qiao Weiping's literary description, Nan Yi likes Jiang Daoli's data-based description more.
Jiang Daoli described very clearly how much Coke sold, how much beer sold, how much the fruit plate and dried fruits sold, the lady's table fee, tips, etc., how much a standard room cost, how much a deluxe room cost, how much meat dishes, how much vegetarian dishes, how much seafood costs, how much a taxi cost, how much a chartered car cost, etc.
Nan Yi took out a notebook and listed the data, and the current consumption level of Echeng and Xiaoyawan was clear at a glance. After hearing Jiang Daoli say that many bosses in Xiaoyawan now carry real money, Nan Yi had a certain guess about the security situation here and the wealth of the bosses.
While Nan Yi was speculating here, on the other side, Liu Zhen was beating his subordinates in the conference room.
"Regarding loans, ah, I have always emphasized, right... The money in our branch belongs to the country and the people, right? When lending to others, we, this, must be cautious, ah..."
Liu Zhen picked up the teacup, scratched it twice with the lid, blew into the teacup with her pursed lips, took a sip, held the teacup in her hand, holding the lid, and continued, "Right now, the real estate in Coconut City, Pearl City, and Xiaoya Bay is quite hot. Many companies go to these three places to invest in real estate and speculate on land..."
Liu Zhen put the lid back on the teacup, still holding the cup in her hand. "Well, when I was studying abroad, I did a research project on the development of American real estate. Over the years, I have also been paying attention to the real estate industry in Japan. Ah, the real estate industry has its own development laws. In short, we must be cautious in lending to foreign countries, especially, this, this..."
Liu Zhen put down the teacup and tapped his fingers on the table twice. "In short, no matter if it is already under review or has just been approved, we must be cautious about all loans.
Well, our branch has always had a clear division of labor, with each person doing their own job. Everyone has their own work to do, and they help each other to fill in the gaps. This is very good. Ah, everyone should keep up the good work. Ah, it’s almost time, so we’ll stop here…”
Liu Zhen picked up the teacup and took another sip, then waited for everyone else to leave the meeting room first.
Lao Zheng and Lao Xu were usually very close. After leaving the meeting room, they went to a secluded place to smoke.
Old Xu took out his own Double Happiness cigarette and handed it to Old Zheng. He then took out his lighter and lit it for him. "Old Zheng, what do you think Liu Xing meant by that?"
"Old Xu, you should upgrade your cigarettes." Old Zheng took a puff of cigarette and exhaled smoke from his nostrils. "Old Xu, just pretend. President Liu has made it very clear that in principle, she does not agree to lend money to real estate developers, especially the three places she pointed out."
"Old Zheng, of course I understand what you said. I'm not asking about that. I'm asking about the part after Liu Xing." Old Xu took two deep puffs of his cigarette and said.
Lao Zheng laughed, "Lao Xu, the Fifth Knitting Factory is in contact with you, right?"
"Old Zheng, we have been colleagues for a long time. Can you explain it to me in detail?" Old Xu frowned.
Old Zheng took another puff of his cigarette, changed his hand from holding it to grabbing it, hesitated for a moment, and said, "It should be that President Liu believes that the real estate industry will have problems and that the money loaned out will easily not be recovered, so she wants to tighten our branch's real estate loans. President Liu's next words mean that the responsibility should be placed on individuals, and whoever lends out is responsible."
After hearing what Lao Zheng said, Lao Xu knocked his upper and lower jaws together, bit the cigarette butt flat, and then took another deep puff.
After Liu Zhen returned to his office, he immediately asked Lin Qin to bring the loan records. The two of them carefully checked each loan, and the working hours passed quickly.
After work, Liu Zhen returned home and immediately called Nan Yi.
On Sanmian Mountain, Nan Yi was beside a square pond, holding a small fishing rod and carefully fishing. Suddenly, the fish in the water rushed in one direction, and Nan Yi couldn't follow it, and the fishing line snapped in the middle.
"Oh shit."
Nan Yi cursed inwardly and looked at the fishing rods at his feet. Including the one in his hand, this was his eighth one. Each one cost 10 yuan. He spent 80 yuan and didn't catch any fish.
"I don't believe it anymore. Damn it, come again."
Nan Yi was not convinced at all. The "fishing game" he was playing was his "original creation". The pond was full of carp and grass carp weighing about two kilograms. The fishing rod in his hand was thin, only about one meter long, but very tough. With a little skill, he could catch a fish weighing ten kilograms.
The fishing line and hooks are specially made. The fishing line has poor toughness and is very easy to break. The hooks have no barbs and are very easy to get off. Similar to the rules of the ring, 10 yuan can "buy" a fishing rod, which can be used to go fishing by the pond. As long as the fishing rod does not break, you can take away as many fish as you can catch.
Of course, no matter how skilled a person is, it is impossible to catch three fish with one fishing rod. When pulling one fish, the inside of the fishing line will be damaged, and most people's fishing lines will break when pulling the second fish.
All miscellaneous expenses are distributed to each fish, and the cost of one fish is less than 3 yuan. As long as there are customers coming to play, we can earn at least 4 yuan from each customer. If we calculate the average, it can reach about 19 yuan.
At this time, Nan Yi broke three more and raised the average value by his own strength.
"Swindlers, money-swindlers, only sick people would play these games."
It was already 110, so Nan Yi had no choice but to admit defeat. Normally, he liked to use a lot of force when fishing, so he was a little uncomfortable with this kind of technical skills.
I left the pond and came to the artificial lake in the middle of the three mountains. I spent two dollars to buy a bag of fish food, then lay on the railing and fed the fish food to the koi in the lake.
Before he had finished feeding half a bag of food, the school beauty handed him the phone.
"Hello."
"Nan Yi, when do you think the real estate in those three places will collapse?"
"Whether it will collapse or not is up to you banks. Eighty to ninety percent of the money lying on the ground belongs to your banks. As long as you tighten the money supply, it will burst."
"Do you think I should write an article to point out the hidden dangers of real estate in the three places?"
Nan Yi's face straightened, "Comrade Liu Zhen, please stop saying things that would undermine unity, even in writing. You are not the smartest person in the country, nor are you the smartest person in the banking system..."
"Go, go, go. You don't need me to tell you. I know. I just want you to help me make a decision. Should I be more conservative or more radical?"
"Oh, since you're asking me, I'll be conservative. The Tokyo real estate bubble has burst, and the final situation is clear. Japan's economy may seem to be in a state of decay, but that may not be the case.
In the real estate speculation, every Japanese conglomerate was busy, but in the end none of them suffered losses, and all of them exited with huge profits.
Japan's GDP will get worse, but those conglomerates are accelerating their overseas expansion. Japanese capital is stirring up trouble in many fields. Mitsui & Co. has increased its investment in the iron ore sector.
When I was in India, I heard that Mitsui & Co. people were present in the three iron ore mining areas of Goa, Karnataka and Orissa. "
Nan Yi's last sentence is nonsense. The real situation is that Sonu Sharma told Mitsui & Co. that people were in contact with Sesagoa and wanted to acquire Sesagoa's shares. It was not convenient for Nan Yi to let Liu Zhen know about this matter.
Liu Zhen: "I don't quite understand what you are saying. Please explain it more clearly."
"The three places are now playing the game of passing the parcel. You know this game well. It is impossible for everyone to be a loser. The land that costs 10,000 yuan per acre becomes 1 million yuan per acre. The difference of 990,000 yuan will only generate some virtual value when the land reaches the last person.
Before this, it was a real price recognized by someone, and it was supported by buyers with real money. Suppose, if there were no banks involved in this game and the leverage was removed, what would happen? "
Liu Zhen: "That's easy. Assuming everyone only participates in the game once and does not play the role of buyer or seller repeatedly, the result is that the money of a small number of people is unequally distributed to the majority. In a sense, it can be regarded as robbing the rich to help the poor."
"Haha, your statement is quite interesting." Nan Yi smiled and said, "Even if players participate in this game repeatedly, there will definitely be winners and losers in the end. No matter if they participate repeatedly or are the unlucky ones who participate last, as long as they are losers, we can say to them, you will suffer the consequences if you do evil.
Now, let's add the bank into this game. A borrows money from the bank to buy a piece of land worth 1 million. Assume that your bank's annual interest is 100,000. B also borrows money from the bank to buy the land from A for 2 million, and the bank's interest is 200,000. C borrows money from B again to buy the land for 3 million, and the bank's interest is 300,000...
If this game doesn't collapse, your bank will be the biggest winner. You can take 10% at a time, and keep taking. The longer the game lasts, the more money your bank makes. In the end, the players will stare at each other in amazement, and think, "Oh my god, we are all losers." The big money goes to your bank, and the small money contributes to the local GDP.
Liu Zhen: "According to what you said, banks are destined to be the biggest losers."
"You can't say that. You should say that banks are the biggest players. If the game collapses, you will suffer the most losses. That's reasonable. To put it another way, without your bank, there would be no game, or it would just be a minor farce that would not hurt you."
Liu Zhen: "Forget it, let's not talk about the bank, let's go back to what you were talking about just now, the winner."
"Oh, yes, winners. Apart from those with clever brains like me, who can be small winners, then who do you think will be the big winners?"
Liu Zhen asked in disbelief: "You? Little Winner?"
"Yes, a small winner. No matter how much I earn, I will double it back. In fact, I can't be the winner of this game. I don't like gambling. I will spend ten or twenty years to get returns through investment and make stable money. It's not a sudden wealth, but just a small winner."
Liu Zhen: "Okay, stop talking to me about these empty words. Have you eaten yet?"
"No, I'm feeding the fish here. I live in a mountain on three sides. I'll pick some vegetables and catch some fish later. I'll make a fish stew and some watermelon rind salad to make ends meet."
“Are there any watermelons?”
"Isn't there any in Shanghai? I'll have someone send a plane to deliver it to you tomorrow."
"Forget it. A watermelon costs only 20 cents at most, and it costs several hundred yuan for a plane ticket. Even if you have money, this is not the way to do it."
"Okay, whatever you want, I'm hanging up."
…
The next day, Nan Yi wandered around several entertainment and consumption venues in Xiaoya Bay, and also walked along the roads newly built in Xiaoya Bay in the past two years, including Xiaoya Bay Avenue, Chemical Industry Avenue, etc.
At noon, we arrived at the beach of Aotou, where seafood restaurants were popping up like mushrooms after a rain, including Seafood City, Wanghailou, etc. Needless to say, if he wanted to eat seafood, Nan Yi would definitely choose Wanghailou. Although the Wanghailou here has nothing to do with the one in Coconut City, the same name makes it feel familiar.
While eating, Nan Yi transformed into a long-eared owl with his ears erect, listening to the conversations at the nearby tables in real time. They were all in dialect and it was very difficult to understand. Fortunately, he still understood the four words "深甽北匡" which were repeated more often.
It has been two or three years since the rumor of Shenzhen's northward expansion was spread, but there has been no real movement. The fact that people are still spreading the rumor shows that this rumor is very popular, and some people are also trying to keep the topic hot. As long as this topic is not cold, the price of Xiaoya Bay land will continue to rise.
For many people, the essence of land speculation lies in the word "speculation". Buy and sell, sell and buy, out with the left hand and in with the right hand. A small circle forms a closed loop. Everyone works together to drive up the price of land, create a high market, and wait for a large number of sheep to enter the market to take over.
Yang Gu could be other speculators who came here to smell the scent, or they could be home buyers. From what Qiao Weiping said yesterday, among the vast sea of ​​people speculating on land, there are still some who want to build communities and houses. Their idea is to first drive up the price of the land, and then sell the houses they build in the future at a higher price.
To be honest, the high consumption level and wealthy people everywhere in Xiaoya Bay have given the already obsessed speculators a false impression that there are still people who can afford houses that cost tens of thousands of yuan per square meter.
The prosperity and the bright lights and nightlife in front of them have blinded the eyes and consciences of most speculators. They have forgotten where their capital came from, and they have regarded both bank and crowdfunding funds as their own.
The interest that should be paid to the investors quarterly, half-yearly or annually has been completely forgotten by them. The speculators will certainly not prepare the money to pay the interest. When the time comes, they will most likely have to cram and borrow money from the bank to pay the interest on the investors' funds. The pressure will eventually come to the banks.
If you are a speculator who starts from the east wall, it goes without saying that the pressure will be placed on the bank early on.
After listening and thinking for a while, Nan Yi stopped being distracted and concentrated on finishing the seafood on the plate. When he walked out of Wanghai Tower, he suddenly thought of uric acid again. It seemed that he should develop a portable uric acid detector. What should he do about gout if he eats too much seafood?
At the age of 30, Nan Yi felt that the second midlife crisis was coming. The signs were already there. He had always paid attention to his health before, but he had never thought of bringing a doctor with him. Now that he had a high-ranking doctor, it was not so much a preparation for the inexplicable worry about Moscow, but rather an even greater fear of death.
"It's normal to be afraid of death. After two lives, I've already passed the age of sixty and am heading for the age of seventy. It's so fast, and I've already passed sixteen years in this life. Tsk, I haven't received a pension yet. I can't waste several years of work. I have to find a place to register and pay my pension."
Nan Yi returned to Sanmianshan with a lot of random thoughts in his mind. When he arrived at the room, he went to the bathroom to wash up, cleared his mind, and started reading.
Speaking of Qiao Weiping, Ma Mingyu rushed to meet him last night. He brought a batch of power of attorney without official seals from Coconut City. The owners of the ID cards used to register the other 36 companies had already signed power of attorney for the sale of land, one copy for each plot of land. Whoever comes forward to sell the land can sign his name in the blank space left by Party B and stamp it with the official seal for the power of attorney to take effect.
A few days at noon, Qiao Weiping went to the restaurant she often frequented and almost used it as a canteen. When he saw people he knew, he went over to say hello and spread the word to them - he was going to sell the land he owned.
Qiao Weiping hangs out with a bunch of speculators every day. In everyone's eyes, he is a man who is very concerned about the land market. If you say he is not a speculator, no one will believe it. But if you say he is, no one has ever seen him buy or sell any land.
Speculators have long speculated that Qiao Weiping might have bought several pieces of land a long time ago and had been holding on to them, waiting to sell them when the market was good.
Now the land market in Xiaoyawan and Echeng is so hot. If there is land in a good location, there will be no worries about no one buying it, and no worries about not being able to get a good price. Qiao Weiping spread the word at noon, and in the afternoon, speculators came to him one after another, including Wang Yubiao, one of the Four Tigers of Baoqing.