Gao Yuan originally only had more than 300,000 yuan left in the stock market. After today's drop, it fell by 70%. He only had less than 100,000 yuan left in the stock market. To make money back with this little money, at least
It rose nine times. In the current situation where the stock market continues to plummet, if any stock can rise nine times, it would be as rare as winning the Double Color Ball Special Prize. Gao Yuan knew that it would be difficult for him to repay Li Keyi's loan. He
The maximum annual income is only 100,000 yuan. Even if he doesn't eat or drink, it will take him ten years to repay Li Keyi's loan. His head seems to be filled with lead, and it suddenly becomes heavy. He really
He regrets that he listened to Yu Qian's words and entered the stock market, otherwise he would not have suffered such a big loss and suffered such a huge psychological burden.
Gao Yuan remembered his cousin's words. His cousin said that Zhou Lin and Yue Ju said that their workplace sounded nice, but they didn't make much money. Even if they worked for more than ten years, all their income could only afford Wei Dafa's feet.
With a pair of stinky leather shoes, Gao Yuan thought to himself that he was not like this. His salary for one year could not even catch up with Wei Dafa's income for one day. Wei Dafa randomly chose a company to promote its listing. He didn't even know how many tens of thousands his income would be, but he was still obsessed with it.
It is really ignorant and ignorant to feel good about your status as a civil servant.
Gao Yuan suddenly became discouraged. He felt that continuing to work at the Linhai Supervision Bureau was a waste of time. He had already passed the CPA, Certified Tax Agent, Certified Asset Appraiser and Certified Financial Analyst exams. With these golden names, he could
Isn’t it easy to find a job in a securities company or a fund company? At that time, it was not a problem to earn 1.8 million a year. Why was I still working in an agency? And I had to be hit by the temptation to do whatever I wanted.
?
Yes, maybe I can make progress in my career in the future, but how much time will it take? Take the Linhai Supervision Bureau as an example. Which director was promoted in his fifties? And it is said that their salary is only thirty or four.
One hundred thousand. If I want to be promoted to director, it will take at least nearly twenty years. By then, my salary will not increase much. Why should I be obsessed with work? Since there are other ways, why not make as much money as possible while you are young?
, why not enjoy the prosperity of life as soon as possible.
As long as you have money, you can live how you want. Whether you marry Li Keyi or Wen Wan, you can live a free life. In Gao Yuan's mind, it is best to buy a house in the suburbs.
The manor is surrounded by mountains and rivers. I usually enjoy quiet days. When the peace is enough, I go to the city to go crazy. Moreover, there is no need to work at that time. I can take my beauty with me all day long and travel around. When the time comes, I will say
Maybe I can write a travelogue of Gao Yuan that will last forever, which is much more interesting than being a civil servant.
Gao Yuan was worried and had no energy to go to work. Zhang Xiaorui noticed something strange about him and asked him why he suddenly became so depressed. Gao Yuan hesitated and refused to speak clearly, so Zhang Xiaorui said: "Gao Yuan, do you still regard me as your eldest sister?
"Gao Yuan said sincerely: "It is an honor in my life to have an eldest sister like you." Zhang Xiaorui said: "Since you still regard me as your eldest sister, what can't you say to your eldest sister? Are you afraid that your eldest sister will laugh at you?
Or can’t I attack you?”
Gao Yuan had no choice but to tell the truth: "Director Zhang, there is a knot in my heart that I can't get rid of." Zhang Xiaorui asked him to just say it, but Gao Yuan said: "I have passed so many useful certificates. If I go out into the society, I can just find an employer."
I could earn a lot of money, but I felt that I was too poor in the agency, and I suddenly lost the motivation to continue working."
Zhang Xiaorui was surprised: "Gao Yuan, you are a talent. You should make your own contribution to the country and society. Yes, you will definitely make a lot of money if you join the society, but have you ever thought about it? That will only satisfy you."
Your own needs can only make you happy, but if you continue to work in the organization, all you will participate in is to serve the entire people. Although you yourself are not developed, the people have truly benefited from your efforts.
Benefits, you have to know that this is a matter of immeasurable merit, this is true happiness, and this should be your greatest pursuit."
Gao Yuan was ashamed: "Director Zhang, thank you for reminding me. In fact, when I applied for the Linhai Supervision Bureau, I said similar things during the interview, but I really didn't mean what I said at that time. I just wanted to have an iron rice bowl.
Now after listening to your teachings, I feel deeply inspired. Director Zhang, you are really my role model. I heard that a commercial bank once invited you to be their chairman, with an annual salary of four to five million, but you refused.
, you withstood such a big temptation and always stuck to your position in the General Administration. The salary of the General Administration is not as high as that in Linhai, but you have no regrets. You have been working for so many years. Director Zhang, you really have noble pursuits.
Man, after comparing myself with you, I realize how selfish I am. From now on, I will definitely abandon all selfish thoughts and devote everything I have to my job."
Zhang Xiaorui was greatly pleased: "Gao Yuan, that's right. Stop thinking nonsense. In a word, work hard and study hard. Your future will be limitless!" Gao Yuan finally calmed down the restlessness driven by the desire for profit.
With his heart in mind, he began to work with peace of mind and study hard again.
Guifei came in: "Director Zhang, the man named Hu Zhengfei from Linhai is here to see you." Zhang Xiaorui asked him to come in. Hu Zhengfei saw Gao Yuan as soon as he entered the door: "Brother Gao, why are you in the same office as Director Zhang?" Gao Yuan said:
"The office building of the General Administration has limited space, so Director Zhang asked me to work here." Hu Zhengfei said: "Director Zhang, you are really considerate of your subordinates." Zhang Xiaorui said: "You can't even talk about being considerate. You can sit wherever there is room. This is not the case.
Is it a natural thing?”
Zhang Xiaorui asked Hu Zhengfei to sit down on the sofa. Gao Yuan gave Hu Zhengfei a glass of water and went over to sit down. Zhang Xiaorui got straight to the point: "Mr. Hu, you are really passionate about the online lending platform. I didn't expect you to come just as you asked. Are you specific?"
Talk about your specific considerations." Hu Zhengfei said: "Online lending platforms are already very complete in Europe and the United States, but they are completely blank in our country. In fact, in my opinion, our country also has the necessity to develop online lending. Its biggest advantage is that it can
The small amounts of funds dispersed in the society are concentrated and then distributed to the borrowers, thereby realizing the appreciation of the investors’ assets and meeting the real economy’s need for funds.”
Zhang Xiaorui said: "Don't talk about the meaning. Do you have any questions?" Hu Zhengfei said: "It is very easy to set up an online lending platform. The team below me has prepared everything, but there is one thing I don't understand.
I called you last time to ask for your instructions, and I hope to get your clear instructions this time." Zhang Xiaorui asked him to just say it, but Hu Zhengfei said: "I'm worried that concentrating idle funds from society will be classified as illegal fund-raising. Although I want to
To facilitate private lending, but I don’t want to send myself to jail.”
Zhang Xiaorui said: "You don't have to worry too much about this. The "Several Opinions of the Supreme People's Court on the Trial of Loan Cases by People's Courts" stipulates that loans between natural persons, natural persons and legal persons, and natural persons and other organizations shall be accepted as loan cases.
This shows that private lending is recognized by the court. If you set up an online lending platform, you have concentrated social funds, but these funds are entrusted by investors to issue to you. You are just an intermediary, and the final establishment is between the investor and the borrower.
The relationship between them is a private lending relationship, so you don’t have to worry about being found to be illegal fund-raising and jailed.”
Hu Zhengfei said assuredly: "Director Zhang, what I need is this sentence from you. Can you please see if I can submit my questions to your bureau in writing, and your bureau will make a record for me, so that I will no longer have to worry about anything.
Guifei said: "Mr. Hu, you are really considerate of the issue. If online lending is criticized in the future, Director Zhang will be responsible. You don't have to worry about anything." Zhang Xiaorui said: "It doesn't matter, if you really want to
I am willing to take responsibility, Mr. Hu, I can file it for you, as long as you operate according to the law."
Hu Zhengfei promised: "We will operate in accordance with the law and will never cause trouble to Director Zhang." Zhang Xiaorui said: "Let me remind you that there are several aspects that need to be paid attention to. If you don't listen to me, even if I file a record, there will be problems in the future.
The blame will also hit you." Hu Zhengfei asked her to elaborate, and Zhang Xiaorui said: "First of all, you cannot defraud investors of money. If you deliberately attract others to lend money at high interest rates and use the funds for arbitrage, or use deceptive means to defraud others,
Anyone who makes a loan will constitute a crime and shall be held accountable for corresponding criminal liability."
Hu Zhengfei was puzzled: "How high is a high interest rate?" Zhang Xiaorui said that the interest rate for private loans can be appropriately higher than bank interest rates, but the maximum cannot exceed four times the bank loan interest rate for the same period. The excess interest is not protected by law. Hu Zhengfei said four
The interest rate is already high enough to attract investment. He will not raise the interest rate to more than four times. Zhang Xiaorui said: "That's good. The second point I want to remind you is that due to transaction data, credit review
The authority is in the hands of the platform, but the investors cannot effectively review the information and cannot judge whether it is true or false, so they are in a very disadvantageous position and it is easy for a series of malicious incidents such as fraud to occur. "
Hu Zhengfei asked what aspects of fraud there were, and Zhang Xiaorui said: "For example, providing funds for illegal activities to borrowers, or raising funds in the name of others that are actually used on the platform itself. These are not protected by law, and in the end all consequences are set up by the platform."
You have to bear the responsibility." Hu Zhengfei seemed to panic for a moment, but immediately calmed down and said: "I'm not worried about this. I always operate with integrity and will never commit fraud."
Zhang Xiaorui said: "That's right, Mr. Hu, you are so rich, there is no need to take this risk." Hu Zhengfei nodded repeatedly, but Gao Yuan secretly suspected that Hu Zhengfei had something up his sleeve, and he was really worried that Zhang Xiaorui would be dragged into the water by Hu Zhengfei in the future.