Volume 6: The Great Change Chapter 0875 Trampled to Death
Lin Yan left.
Soon, she will go to Xiangkeng to verify Nan Yi's strength.
In the future, she will be working with the Glove Group. Nan's will invest funds and resources in her to support her growth. At the same time, Nan's will take some of the wealth she creates - starting from half, and then slowly reducing the share depending on the situation. There will be no possibility of increasing it. If Nan's share exceeds half, it only means that the investment target has been chosen poorly.
After meeting Lin Yan, Nan Yi met Chen Yicai and Li Jin respectively, and had dinner with the two of them.
On Cheng Hainan's side, Meng Qi easily convinced Xiang Yunming and learned the truth about Xiang Yunming's willingness to advance money. In fact, Xiang Yunming did not advance much money at all. Most of the building materials on the construction site were bought on credit. Xiang Yunming's engineering team has not paid wages once since the start of construction, and it is even very difficult for construction workers to get advance payments.
At that time, there were almost no construction sites that paid wages on a monthly basis. If construction workers wanted to use money, they had to pay it in advance. Often, after a project was completed, the contractor would pay the construction workers only after receiving the project payment.
If the construction workers are unlucky and the upper-level contractor or the foreman runs away, the mistress who is also the accountant absconds with the money, or the workers lose all the money in gambling, then they will not get a penny, not even if they destroy the foreman's house.
Therefore, on today’s construction sites, contractors and construction workers are generally from the same hometown. Knowing each other well will make both parties feel at ease with each other.
Because he only had to bear a small advance payment and food expenses, Xiang Yunming's pressure to advance funds was not very great, and he and Cheng Hainan had a drawer agreement - after the Haimeng Building was completed, 30% of the property rights would belong to Yunming.
It has to be said that Cheng Hainan painted a very big pie for Xiang Yunming.
Meng Qi discussed with Xiang Yunming that after she took over Haimeng Building, she would not recognize the previous drawer agreement, but she would be responsible for the project payment, and the project would continue to be done by Xiang Yunming. The project payment would also be changed to be settled according to progress. As long as a "stage project" was completed, a sum of money could be settled immediately. Xiang Yunming gave up his fantasy about property rights and readily agreed.
At this point, the Haimeng Building project has been controlled by Nan Yi. The only link that has not been completed is the mortgage loan of the "half building" at the Universe Bank.
Liu Zhen was sent from the headquarters of the Universal Bank to the local area. She has acquaintances everywhere in the headquarters. If Nan Yi dares to let Liu Zhen act as a middleman, as soon as Liu Zhen becomes curious and asks a few questions, it will be a disaster. Su Meng will definitely be dug out by her.
Maybe, no, it should be said that Liu Zhen could definitely guess that Nan Yi had a lover in Coconut City. When it comes to feelings, a woman's sixth sense should not be underestimated. However, guessing is one thing, and knowing for sure is another - wow, to take revenge on a love rival and dare to ask her for help, this is simply too much, how can it be tolerated.
Out of respect for Liu Zhen, Nan Yi could only move forward with the plan even though it was not perfect.
One day at noon, after lunch, Jiang Sheng went to Cheng Hainan's company. He should have come in the morning, but too many businessmen insisted on "not spending money" in the morning, that is, they would not take out money in the morning but could only collect money. Although Jiang Sheng was clearly here to collect a debt, he still had to take care of him for the sake of face.
There was no need to say anything. As soon as Jiang Sheng showed up, Cheng Hainan knew what he was here for. Jacky Liu had already settled the matter and the final payment of 500,000 yuan was due.
However, from the very beginning, Cheng Hainan had made up his mind to delay the payment of the final payment day by day until it failed. Otherwise, when he asked Pan Wuji to borrow money, he would not have only lent him 500,000 yuan.
"I don't have any money right now. Please ask Manager Liu to wait a little longer. I will send it to you as soon as I have enough money." After pouring a cup of tea for Jiang Sheng, Cheng Hainan said this.
"You can wait a bit. There has to be a time limit. The contract has been signed. Although it cannot be torn up, you can make things difficult for it. Mr. Cheng, don't make the mistake." Jiang Sheng said in a neutral tone.
Cheng Hainan patted his chest and said, "I am a trustworthy person. I will give you what I say, but I really don't have the money. I said that as soon as I recover, I will send the money over immediately."
Jiang Sheng smiled coldly, "Okay, I understand Mr. Cheng's attitude, goodbye."
As soon as Jiang Sheng left, Xiang Yunming came again, not alone, but with a lawyer.
Without waiting for Cheng Hainan to say hello, the lawyer immediately took out a letter from a lawyer and said, "Mr. Cheng, I am the attorney representing Mr. Xiang Yunming. You mortgaged the unfinished building of Haimeng Building to Cosmos Bank without Mr. Xiang Yunming's permission. This behavior violated the rights of my client, Mr. Xiang Yunming. We will file a lawsuit against Mr. Cheng in accordance with the law."
A drawer agreement is also an agreement, and the agreement signed by Cheng Hainan and Xiang Yunming is not really an agreement that can be seen in public. It can only be said to be hidden and not very formal, but basically legal.
"Xiang Yunming, what do you mean? Didn't we agree long ago that once the building is completed, 30% of the property rights will be given to you?" Upon hearing the lawyer's words, Cheng Hainan said angrily.
"We agreed on it, but you mortgaged the building without telling me. Logically, I own 30% of the property. Did you tell me before you mortgaged it? Did you give me the loan money? Lawyer Sun told me everything. If you do this, I can sue you. I am protecting my legal rights."
“Fuck…”
Cheng Hainan spat out a long string of swear words and rushed forward, trying to hit Yun Ming.
"Mr. Xiang, I am not only proficient in economic cases, but also in criminal cases." The lawyer was a clever man. Seeing that Cheng Hainan wanted to use violence, he said it to Xiang Yunming, but his eyes were always on Cheng Hainan. Not only did he say it, he also took out a camera in his hand, and it looked like he was ready to take pictures at any time.
Seeing this, Cheng Hainan could only hold back his anger with a mouthful of old blood, and pressed the rain of pear blossom needles into his eyes. With a sharp, murderous look, the needles shot towards Xiang Yunming's face.
Xiang Yunming is not at all inferior to Cheng Hainan. If they really want to fight, he can make the opponent use one hand. He has been a lumberjack and worked in a quarry. He can pick up Cheng Hainan with one hand and spin him like a top.
If it's serious, I won't panic, so why would I be scared by such a look?
Xiang Yunming was also furious. He had been played like a fool by Cheng Hainan before. 30% of the property rights, bah.
This time, Xiang Yunming and the lawyer just came to show up and had no intention of doing anything. They put down the lawyer's letter and left after a while.
When Cheng Hainan was the only one left in the office, he smoked one cigarette after another. He was in deep trouble and could not think of any way out of it.
"What should I do? What should I do?"
Cheng Hainan, who was in a state of panic, didn't notice that there was one person missing from the office today. Meng Qi hadn't shown up since morning.
At this moment, Meng Qi is at the construction site of Haimeng Building. She and Xiang Yunming, who has left Cheng Hainan, are accompanying Du Tiangong and his wife to inspect the construction site.
Although Xiang Yunming's engineering team is reliable, it is a makeshift team after all. A building is not a residential building, so it won't work if it's just brute force. If Nan Yi didn't intervene in the Haimeng Building, Cheng Hainan would have been lucky enough to finish the building, and perhaps a bigger disaster would have happened.
Longkunxia Village.
Nan Yi and Su Meng, wearing boat hats made of newspaper, were painting the walls in an empty room.
The move has been completed, and Nan Yi's belongings have been moved to Su Meng's house. The two are now completing the last etiquette as tenants - restoring the room, painting the walls, repairing what needs to be repaired, and sweeping the floor.
It was almost evening when the two of them finished what they needed to do. They asked the landlord to come over and take a look. After handing over the keys, Nan Yi's story of living in Longkunxia Village came to an end.
In the architectural plan of the Dream Town, an area will be demarcated near the sea, with trees planted around it. A loft with the structure of a Su’s factory will be built in the middle. It will be the place where Nan Yi will settle in Coconut City in the future.
Nan Yi stayed in Coconut City for another night. The next morning, just after daybreak, he boarded the Fox which was coming to pick him up.
There was a white ashtray filled with cigarette butts. A quick count showed that there were almost two and a half packs of cigarette butts. Under the table, there were also quite a few cigarette butts scattered around, mixed in with three or four cigarette boxes that had been crumpled into a ball.
This is Cheng Hainan's company. This is Cheng Hainan's desk. Cheng Hainan has been sitting here since yesterday afternoon and has not left. He is worried, really worried. He racked his brains but could not think of a solution.
The only way that made him feel hopeful was Su Meng, but... Haimeng Building was the gift he intended to give to Su Meng. The last time he went to her house to borrow money, it was already very embarrassing for him. He really couldn't do it again. His self-esteem couldn't bear it.
Snap!
The door of the office was opened. Meng Qi, wearing a white OL outfit, was holding a glass cylindrical vase with a bunch of seasonal hibiscus flowers in it. She walked slowly, and a beam of light followed behind her, making her look like Guanyin Bodhisattva.
Cheng Hainan raised his head, his eyes full of eye mucus looked towards his life gate. Stung by the sunlight, he couldn't help but squint, his eyelids hurt from the eye mucus.
With cracked lips, he asked, "Where did you go yesterday? I haven't seen you all day."
Meng Qi gently placed the vase on her desk, cleared up the clutter on the desk, and ignored Cheng Hainan.
"I'm asking you a question, you dumb one!"
Not getting a response, Cheng Hainan, who was like a powder keg, instantly became furious.
"Hey, Brother Hai, don't be so angry so early in the morning. Anger is harmful to your health." The words were nice, but Meng Qi's tone sounded unpleasant.
"Shut up, I'm asking you, where did you go yesterday?"
Meng Qi swayed her waist and walked two meters away from Cheng Hainan. "Boss Cheng, I don't seem to need to report to you wherever I go. You say I am your secretary, but there is no formal employment procedure between us, and you have never paid me a penny. You say I am your girlfriend, but when you did that with me, you called Su Meng's name. What do you think our relationship is?"
Hearing this, Cheng Hainan laughed angrily, "Okay, okay, seeing that I'm about to fall, you want to run away too, right? Not only do you want to run away, but you also want to step on me. Listen to me, you bitch, no matter how poor I am, you can't step on me."
"Hahaha..." Meng Qi laughed out loud, her body shaking with laughter, "Really? Mo Niu, come in."
As Meng Qi finished speaking, a man walked in from outside the office. It was Mo Niu, a subordinate Jiang Sheng recruited in Coconut City. He was responsible for protecting Meng Qi.
When planning the plan, Nan Yi did not choose the best one. In fact, he could have changed the script. For example, at this moment, he could have let Meng Qi humiliate Cheng Hainan. According to Cheng Hainan's character, as long as the humiliating words were appropriate, there was a high probability that Meng Qi would be killed or seriously injured.
If he wanted to make Cheng Hainan lose his mind, the words "Su Meng" would definitely be mentioned, which Nan Yi did not want. Besides, Meng Qi was a partner and might become one of his own in the future. Nan Yi would not cheat his partners, let alone his own people.
"What a great guy! Take one of my business cards and show it to Boss Cheng."
Upon hearing this, Mo Niu took out a business card holder, pulled out a business card and handed it to Cheng Hainan.
"Rachel Bad Assets Management Company... General Manager Meng Qi." Cheng Hainan took the business card, glanced at it, and then looked at the name and position in the center. He felt unwell instantly, "You, you..."
"Boss Cheng, don't be surprised. Yes, I have the land certificate of Haimeng Building and your loan contract. There are still 25 days left for Boss Cheng to pay back the first installment. Remember to pay it back on time."
“You…”
Cheng Hainan, who was about to rush towards Meng Qi, was pushed back by Mo Niu.
"Boss Cheng, don't be so impulsive. It's wrong to hit people." Meng Qi said happily, "I haven't finished what I said yet. I bought your IOU from Boss Pan. Yes, I also have your house deed. Now, I am Boss Cheng's biggest creditor. Boss Cheng, don't even think about running away.
Okay, Boss Cheng, you look like you haven't slept all night. Go back, wash your face and have a good sleep. I still have to rush to your hometown to ask your aunt to invite all your relatives to act as joint guarantees for you.
Boss Cheng, you know that your credibility is very bad. It's been a long time since you promised to buy me the necklace, but you still haven't bought it for me. I'm so disappointed."
"You..." Cheng Hainan was about to pounce on Meng Qi but was blocked by Mo Niu. He could only stand there and shouted, "What do you want to do? Do you want to break up with me?"
As a man with a strong sense of self-esteem, how could Cheng Hainan tolerate his "scandalous deeds" outside being spread to his hometown? If Meng Qi really had to move his mother and relatives out, he would have no face to live.
"No, Cheng Hainan is just a nobody. No one wants to see you make a fool of yourself. I just want to protect my own interests. I have already calculated it for you. If you transfer the company to me, I will help you to bear the loan from the Universe Bank, and then sign a loan contract of 10 million with me. In the future, any problems with the Haimeng Building will have nothing to do with you.
By the way, I will take the loan agreement to the notary office in your hometown for notarization. From now on, all your income, except for the necessities of life, must be used to repay the debt you owe me in a timely manner."
In the end, Cheng Hainan obediently let Meng Qi lead him and signed a loan contract. He had to sign it because his debts were about to explode, and there would be no chance of turning things around. If he signed it, there would still be a glimmer of hope.
Cheng Hainan's company was transferred to Meng Qi, the loan from the Universe Bank went into Nan Yi's hands, and the Haimeng Building also went into Nan Yi's hands, and will soon be renamed "Nanhaimeng Building."
As soon as the property rights were acquired, Meng Qi went to Universe Bank and changed the previous mortgage loan contract into a secured loan, with Yiwan International as the guarantor.
Non-compliance with loan procedures is both a small problem and a big problem. No matter how big or small, Nan Yi does not want to see a loophole exist without being patched. Now that the contract has been changed, the loophole no longer exists. Even if the person who helped Cheng Hainan to get the loan is in trouble, it has nothing to do with Meng Qi.
The construction of Nanhai Dream Building continued, and Zhou Jina became the supervisor, running between the two construction sites. Meng Qi paid the previous construction payment to Xiang Yunming, and the construction workers on the site received their first salary, and their enthusiasm suddenly became greater.
They have to wait several months for the next salary, so it is impossible to pay them monthly. If they were paid monthly and the workers at other construction sites knew about it, how would the boss continue to work?
As a person, you should have a broad vision, not just think about your own little piece of land, but have the world in mind. Don't think that giving your employees high-standard treatment is a good thing. It is not the lack of treatment that is worrying, but the inequality of treatment. If one family gets the treatment, what will happen to the other families?
South China Athletic Association.
Nan Yi sat on the sidelines, watching the third game of the 1992 Southland Cup season, which was also the semi-final.
There are three teams participating in the Southland Cup, namely Southland, Weir and Jardine. The cup is hosted in Hong Kong, London and New York in turn, and this year it is Hong Kong's turn.
At this time, the game on the field was between the Southland team and the Weir team. The two sides were in a stalemate, and the football kept flowing between the two teams in the midfield. No one could rush into the opponent's half. The cheerleaders on both sides became anxious and cheered for the players on the sidelines of the court.
The South China Cup is an entertainment competition. There are no professional football players, and the teams don't even have fixed players. Employees from three banks sign up to participate every year. They may not have received any training before the games, so you can imagine how badly they play.
However, both the players on the field and the spectators on the sidelines were very happy.
The two teams were in a stalemate in the midfield for a long time before the ball was kicked to the Weir Bank's half. The players of the Southland team immediately rushed forward without any distinction as forwards or positions. The Southland cheerleaders wearing short skirts on the side of the field waved the cheering flowers in their hands and also pressed forward to Weir's half.
With this pressure, the two cheerleading teams collided with each other in an instant.
"The shovel of the house!"
“Bitch!”
The verbal battle started instantly and soon escalated into a fight.
When the security team nearby saw something was wrong, two female security guards immediately went over to separate the cheerleading teams on both sides.
Nan Yi smacked his lips and thought to himself what a pity, as he saw a piece of clothing about to be torn off. The security team acted too quickly.
Nan Yi and Ma Shimin left before the game was over. The game was a carnival for the employees, and they only needed to show up to show their attention. Staying here would only make the employees feel uncomfortable.
"Adam, the inflation rate in Hong Kong is still very high this year, close to 10%." On the way back, Ma Shimin, who was sitting next to Nan Yi, asked, "Should the salary increase in 1993 be adjusted?"
Nan Yi said without thinking, "It's only July now. We can wait until the end of the year and decide according to the process after this year's performance is released."
Throughout Nan’s company, old employees are given a pay raise every year, which is divided into three parts: inflation compensation, long-term service payment, and KPI. The basic principle is to maintain the employees’ living standards without considering other factors.
In the past two or three years, Hong Kong has maintained a relatively high inflation rate. In May last year, the Hong Kong government introduced anti-inflation measures to curb inflation, one of which was salary increase, covering private enterprises, with senior staff receiving an 11.8% salary increase, middle-level staff receiving a 12.4% salary increase, and junior staff receiving a 12.9% salary increase.
Therefore, the salary increase in the Southland banking system this year is unprecedented, exceeding that of Bank of England and Jardine Matheson Bank. Appropriate control must be exercised next year, otherwise the salary increase will be too fast and the banks will be overly burdened.
Ma Shimin was well aware of this situation. He raised this question only as an opening remark and was not going to talk about this matter.
"OK, by December, I will submit an application report to the Intelligence and Strategy Committee." Ma Shimin responded and changed the subject, "Adam, many countries have now abandoned the original model of separate financial operations and turned to a comprehensive financial model that integrates and promotes banking, securities, and insurance. This will be the mainstream in the future.
As competition in the financial market becomes increasingly fierce, interest rates will be market-oriented, and the speed of financial disintermediation (financial non-intermediation, which can be understood as investors and financiers kicking out banks for direct contact) will accelerate. The traditional business space of commercial banks will be squeezed. Although our Nan Guo Bank Group is mainly engaged in investment, its business will definitely be affected.
Therefore, I propose that Southland Bank Group expand its business to include insurance and securities businesses, and the first step could be to merge with PY Securities.”
Nan Yi thought for a moment and said, "Simon, your proposal is very good, but it's a big deal. You should discuss it carefully within the Southland Bank first, come up with a preliminary plan and submit it to the Intelligence and Strategy Committee, and then we can discuss it carefully."
Business adjustment is not a simple matter, as it involves many aspects. The Nan Guo Bank Group is neither big nor small. It is not an aircraft carrier, but it is not a small dinghy either. Its direction cannot be changed easily.
Although Nan Yi had been planning to enter the insurance industry, in his previous conception, the insurance business would be relatively independent, and he had not thought of placing the insurance business under the Nan Guo Bank Group. Ma Shimin caught Nan Yi off guard, and he got off the car and went back to the bank, leaving Nan Yi in the car to think deeply.
Sixiang was brought back to Fang's Manor by Nan Yi until he received a phone call.
Xian Weimin called.
"Nan Yi, Ding Liuyi asked me to borrow money."
"Oh, how much do you want to borrow?"
They became estranged, and Xian Weimin even called him Men Saner by his full name.
"10 billion yen."
"It's not a lot. It's not difficult for you to take it out. Don't you want to borrow it?"
"I don't really want to lend him money. His side is a bottomless pit. 10 billion won't do anything."
"Tell me about it."
Xian Weimin simply said: "He bought a lot of land last year. At the peak, the value was 100 billion yen, and he took out a lot of loans."
"How much is not less?"
"The principal and interest are at least 85 billion."
Nan Yi rubbed his temples, "He's very capable, his business can make hundreds of billions, this grandson deserves it, bastard, he hasn't given me a penny of support in these years, oh, forget it, don't worry about him, wait until he is penniless and homeless, then find him a way to make a living."
"Okay, I'll politely reject him."
After hanging up the phone, Nan Yi fell into mixed emotions. Men San'er was his earliest close friend who had always taken him flying, but who would have known that he would not be willing to fly with him halfway. Hearing that the other party was about to fall into poverty, Nan Yi felt both sad to hear about his friend's misfortune and a little happy.
After being sad for a while, Nan Yi put aside the matter of Men Saner and went out to Zhao Shixian's villa.
Nan Yi came at a bad time. Zhao Shixian was lying on a lounge chair by the swimming pool, reading a stack of documents. Nan Yi did not disturb her, took off his clothes, and dived into the swimming pool.
After swimming a few times, Nan Yi climbed out of the water, collapsed by the swimming pool, closed his eyes and took a nap.
At some point, Zhao Shixian came to his side, put his bare feet against his waist, pushed him into the water with force, and then let out a string of silver bell-like laughter.
Before falling into the water, Nan Yi had been prepared. If he didn't want to, Zhao Shixian's strength would not be enough to push him. But he felt sorry for Zhao Shixian and was happy to satisfy his little mischief.
After climbing out of the water, Nan Yi jumped a few times on the spot to shake out the water in his ears.
Looking at the jumping Nan Yi, Zhao Shixian sang sadly, "There is a cliff in the north, telling the sorrow of the ages. Legend has it that there was a girl whose lover was drifting overseas. Legend has it that she stood in the wilderness, waiting foolishly..."
"Are you exaggerating a bit?"
"Is it an exaggeration?" Zhao Shixian stared at Nan Yi's waist and said with resentment, "If you don't come again, you will have a chance to find out that I am cheating on you here."
"It's okay to steal people, just don't steal their money." Nan Yi stopped jumping and said with a laugh.
"I steal people and money." Zhao Shixian said, and then asked: "Do you want to eat here?"
Nan Yi walked to Zhao Shixian and hugged her from behind, "I can stay here until noon tomorrow."
"Tell Mrs. Zheng to cook. I'm going to the company and will be back at 8:30."
"GBP?"
"No, the lira and pound will have to wait." Zhao Shixian turned around and kissed Nan Yi, "Wait for me here obediently, don't run away."
"Well, I won't run ."
After Zhao Shixian left, Nan Yi took a shower, changed into home clothes, told Mrs. Zheng to cook on time, and then went to the balcony. Zhao Shixian's villa was in a good location, and one could see the most beautiful sunset in Repulse Bay.
After being drunk in the sunset for a while, Nan Yi began to recall the word "lira" that Zhao Shixian had just thrown out. He thought for a moment and let it go. Financial speculation was not his turn to worry about. The only memories of finance from his previous life left in his mind could only play a supporting role.
In terms of practical ability in the financial market, he is not as good as Scarlett, Zhao Shixian, or even Catherine. When chatting with Catherine two years ago, she had already foreseen that Britain's joining the European exchange rate system would cause an exchange rate crisis for the pound.
In particular, in February this year, 12 EU member states signed the Maastricht Treaty, which made some European currencies such as the British pound and the Italian lira obviously overvalued. The central banks of these countries will face huge pressure to cut interest rates or depreciate, and it will be difficult for them to maintain coordination with economically strong Germany on relevant economic policies.
The lira is a soft currency and its exchange rate has always been unstable. It is a very unstable link in the European exchange rate system. If you attack this point fiercely, you can break through the system. First, the lira will depreciate, and then it will affect the British pound, whose economy has been a bit bad in the past two years.
Nan Yi estimated that the Quantum Fund had already collected enough chips and was just waiting for a good opportunity to launch the attack.
