dognovel Chapter 96 Loan Contract of 20,000
Chapter 96 Loan Contract of 20,000
Chapter 96: A Loan Contract for 20 Million
The next day, after Mao Xiaoyu woke up, she still felt dizzy and unsteady when she stood up. Smelling the alcohol on her body, Mao Xiaoyu felt very uncomfortable. She grabbed a change of clothes and prepared to go to the bathroom to take a shower.
When Mao Xiaoyu came out of her bedroom with a change of clothes, she saw her parents and younger sister eating breakfast.
"Brother." The sensible and obedient Mao Tingting called out first.
"Dad, Mom, little sister," Mao Xiaoyu greeted them.
"It all stinks. Go take a shower first. After you're done, your mother and I have something to say to you."
Mao Jun raised his eyebrows and said with a serious expression.
"oh."
Mao Xiaoyu already felt that she couldn't stand the smell on her body, so when she heard her father say that, she just agreed.
Having received the imperial decree, Mao Xiaoyu took her change of clothes, went to the bathroom to take a shower, and washed her clothes as well. Only after she finished washing her clothes did she come out.
"Dad, Mom," Mao Xiaoyu called out softly as she served breakfast.
Neither of Mao Xiaoyu's parents said a word. Instead, they quietly watched the breakfast that Mao Xiaoyu had served, sat down, and began to eat.
This made Miss Mao feel a little strange.
"I went to discuss a business deal yesterday, so I drank a little too much with their partner. I definitely won't do it again next time." Mao Xiaoyu hesitated for a moment, but decided to be a little more honest.
"Do business? What kind of business!"
Mao Jun was still thinking about how to talk about drinking yesterday, but when he heard Mao Xiaoyu talk about doing business, his mind changed completely, and he looked over. Even Mao Xiaoyu's mother looked over.
Mao Xiaoyu hesitated for a moment, then said, "What kind of business I do is none of your business. It's still in its infancy, and it's a small business, but I still want to give it a try."
"Xiaoyu, I don't expect you to make a lot of money outside. There are so many scammers out there these days, but please don't get scammed," Mao Xiaoyu's mother asked with concern.
"Mom, I know, how could I be scammed? I don't have much money. If a scammer manages to scam me, where would they get their money?" Mao Xiaoyu comforted her.
"Xiaoyu, business is tough these days, so try not to get involved. Besides, you're only 18, and I'm afraid you might not be able to handle it. If possible, try to come back and discuss it with your parents." After hesitating for a moment, Mao Jun said with concern.
"Your son isn't stupid. Besides, it won't cost much. After all, I've already put most of my money in, so don't worry. This business is just an experiment, and I know what I'm doing," Mao Xiaoyu said.
"Why don't you tell us what kind of business you want to start, son? We'll give you some advice. What do you think?" Mao Xiaoyu's mother asked, still worried.
Mao Xiaoyu hesitated for a moment, then shook her head under her parents' expectant gazes and said, "It's not that I don't want to tell you, it's just that if I do, I'm afraid you'll discourage me and ultimately not let me participate in this investment."
If others don't make money in the end, that's fine. But if others make money while I didn't invest, that would be a problem.
So I think I'd better not tell you guys about this. Whether it works or not, I have to give it a try.
Moreover, the investment isn't large; at most, the loss would be ten or twenty thousand, and if it's profitable, earning at least ten to twenty thousand a year is no problem. And I don't need you to contribute any money; I have my own funds.
After hearing Mao Xiaoyu's analysis, Mao Xiaoyu's parents exchanged glances and didn't say anything more.
Since the son has already said that, whether he said it to discourage or encourage the other person, it doesn't really matter.
"Even if you're going to invest, don't drink so much. How old are you? You're only 18. How can your body handle drinking like this every day?" Mao Xiaoyu's mother complained.
"Yes, I don't mind drinking a little bit normally, but drinking like that yesterday was really bad for your health," Mao Jun added.
"I know, I was happy yesterday, so I drank a couple more glasses. I definitely can't do that next time, otherwise even the best body can't take it," Mao Xiaoyu said in self-reflection.
"Brother, will you come play with me today?" Mao Tingting asked suddenly while eating breakfast with a spoon.
"Brother doesn't have time these two days. Let's wait a couple of days. We'll see if I have time in a couple of days and then I'll take you to the zoo."
Upon hearing Mao Tingting's question, Mao Xiaoyu paused for a moment, realizing that it had been a long time since she had spent time playing with her daughter. So she calculated the time and decided to spend half a day playing with Mao Tingting.
"When will you come with me to play, brother?" Mao Tingting was of course willing to go to the zoo, so she looked at Mao Xiaoyu with her cute eyes and asked expectantly.
"Let's go tomorrow. We definitely don't have time today. Let's go have some fun tomorrow or the day after tomorrow, when we have more time."
Mao Xiaoyu calculated the time and realized that if she signed the contract today, the money wouldn't be available for at least two days. So, she decided to use this time to play with her sister, since she would have to keep an eye on the stock market every day once the money arrived.
"Great! I'll ask my mom to prepare some things for me today, and I'll take them to the zoo tomorrow." Mao Tingting almost jumped for joy.
"Okay, I've eaten. You guys continue eating. I'm leaving now."
Mao Xiaoyu eats much faster than her parents, so she finished her breakfast within the time it took to eat.
And so, Mao Xiaoyu returned to her bedroom, grabbed her phone, wallet, and other belongings, said goodbye to her parents and sister, and then left the house.
The first step was to go directly to Li Mingyue's house. Li Mingyue was tidying up her tie at the time. When she saw Mao Xiaoyu coming over, she just tidied up a bit more and then took Mao Xiaoyu out.
The two then walked towards the subway station entrance. When they were almost there, Li Mingyue bought herself a breakfast. She originally wanted to buy one for Mao Xiaoyu, but Mao Xiaoyu said he had already eaten, which dissuaded Li Mingyue from buying two breakfasts.
After a subway ride of more than half an hour, the two finally arrived at the financial company where Li Mingyue worked.
Since the company hadn't started work yet, Li Mingyue took Mao Xiaoyu to her office first. Then, after the company started work and saw Supervisor Zhou arrive, Li Mingyue took Mao Xiaoyu to Supervisor Zhou's office.
"You've arrived, please have a seat!" Manager Zhou greeted them politely.
After Mao Xiaoyu and Li Mingyue sat down, Manager Zhou said, "Because Li Mingyue is the guarantor for this deal, she should, in principle, avoid any appearance of impropriety. However, since Li Mingyue will be keeping a close eye on the stock funds, and the task is very important."
So the company ultimately decided to assign this order to Yang Yang and you, Li Mingyue. On the surface, Yang Yang is handling the order, but ultimately you will be doing it. However, Yang Yang will be given 10% of the order's workload. After all, even if he didn't do the work, he still put in the effort. Do you, Li Mingyue, have any problems with this?
Hearing Manager Zhou's words, Li Mingyue thought for a moment, knowing that there was a business principle involved to avoid any appearance of impropriety, and silently nodded in agreement.
Seeing that Li Mingyue agreed, Supervisor Zhou breathed a sigh of relief. He was afraid that she would be stubborn and disagree.
Now that the other party has agreed, things are much easier. Manager Zhou said, "In that case, go and call Yang Yang in. I'll give you some instructions, and you can handle this matter."
Upon hearing this, Li Mingyue stood up, walked out of Supervisor Zhou's office, and called Yang Yang in.
After calling him in, Supervisor Zhou didn't say much. He just told Yang Yang to listen to Li Mingyue and sign wherever he was asked to. He said there was nothing else to do. Then he told Li Mingyue to take Yang Yang downstairs to handle some business.
Actually, after seeing this, Mao Xiaoyu understood that Yang Yang was probably a novice, and that Manager Zhou had played his hand very well. By having a novice in charge of such a large loan contract, and with Li Mingyue as the guarantor, Manager Zhou could pass the buck if the loan went wrong.
Mao Xiaoyu guessed that Yang Yang might still be in his internship period. If Supervisor Zhou was ruthless, he might make sure Yang Yang didn't even finish his internship, and the order would become an unclaimed order, making it impossible to find someone to take responsibility for it later.
If they are unable to repay the money in the future, they can shift all the blame onto Li Mingyue, and even say that Li Mingyue colluded with others to defraud this 20 million loan. After all, Yang Yang, the most important person mentioned in the document, has already left the company, so the only option is to catch Li Mingyue.
Fortunately, Mao Xiaoyu was still very confident in her ability to repay the money, so even though the contract was in such a state, she pretended not to see it. After all, the most important thing now was to get the money out first.
Since Li Mingyue would be in charge of this order, Mao Xiaoyu didn't stay in Supervisor Zhou's room any longer and went to Li Mingyue's office instead.
In addition, this loan was for 20 million yuan, so the matter was very complicated and required constant signatures and approvals. As a result, he was busy for three hours and finally finished when Li Mingyue got off work in the morning.
Because the loan amount is so large, it will take 3 to 5 days for the money to be transferred to Mao Xiaoyu's China Construction Bank account. After the money is transferred to the China Construction Bank account, it must be directly transferred to the securities company's securities account.
Therefore, Mao Xiaoyu needs to prepare the securities account with the securities company within three days to prepare for the arrival of funds.
As for the loan schedule, the funds will be disbursed starting on July 12th, three days from now, and will run until July 12th of next year.
number.
The contract was signed, and it was around the time Li Mingyue was off work. Both Mao Xiaoyu and Li Mingyue were hungry, so Li Mingyue took Mao Xiaoyu to find a place to eat.
Of course, they couldn't go to a hotel, so they just went to a fast food restaurant. The two of them ordered a meal and ate it facing each other.
"Brother Li, thank you for being my guarantor this time. Don't worry, you'll get your share. As soon as you're in place, I'll be in place too," Mao Xiaoyu said sincerely.
No one loves without a reason, and no one hates without a reason. It's the same with Li Mingyue. Why should Li Mingyue help you if she doesn't benefit from it? This time, Mao Xiaoyu got a loan of 20 million yuan, but she has to give 1% of that.
The commission.
20 million RMB, that's a rebate of 400,000 RMB. Such a rebate is quite frightening, considering that you also have to add the 800,000 RMB rebate from Manager Zhou and the 1.6 million RMB interest from the financial company. If you can't earn 2.8 million RMB a year from this 20 million RMB, then it's equivalent to losing money.
Of course, Mao Xiaoyu could accept such a loan. After all, no collateral was required, it was just a matter of credit. It was already good that she could borrow so much money. As long as the stock doubled within the next year, she would have made a profit.
This loan is profitable for Manager Zhou, Mao Xiaoyu, and Li Mingyue alike.
Otherwise, Li Mingyue wouldn't have agreed to be the guarantor. After all, being a guarantor involves risks, but there are benefits to be had. Plus, after some calculation, she figured that even if Mao Xiaoyu lost money, she wouldn't suffer much loss if she helped sell the stocks. That's why she agreed to be the guarantor.
Upon hearing Mao Xiaoyu's affirmative answer, Li Mingyue's face lit up with a smile. She said modestly, "It's alright, it's alright. We've been working together for so long, I know you well. But I still want to remind you that the stock market is risky. If something feels wrong, it's better to lose a little than to get involved."
"I know what I'm doing. Just watch closely. You might regret not buying stocks with me next year, since the stock market is really going to be interesting. But there will be opportunities next year too. I believe we can still work together happily in the future," Mao Xiaoyu said with a smile.
There was no other way; having accepted the 20 million loan, she had to accept having her account monitored by others. For the next period of time, the money Mao Xiaoyu earned in the A-share market would be clearly visible to others.
But Mao Xiaoyu had no choice; in order to make big money, and to make even more money, this was an inevitable outcome.
Next, Mao Xiaoyu planned to have Li Mingyue supervise the four securities accounts, so that the four securities accounts could make money first.
At most, when he has more money later, he can close a few securities accounts and open a few new ones, or he can take back the old ones, change the passwords, and make sure Li Mingyue can't see them at all. In the end, he can just leave one old securities account with 40 to 50 million yuan for Li Mingyue to supervise.
After all, he only owed the financial institution 20 million, and the securities account with 40 to 50 million was enough to keep him accountable.
Li Mingyue didn't know why Mao Xiaoyu was so certain that China's stock market would rise, but since Mao Xiaoyu was like this, she just needed to do her job.
Anyway, I've already reminded myself of what I needed to remind myself. Everyone has to be responsible for their own choices, whether they are right or wrong.
"Since you're so optimistic about the Chinese stock market, Xiao Mao, I wish you all the best." Li Mingyue didn't mind saying a few nice words so that she could benefit herself.
"Thanks."
Regardless of whether the other party was sincere or not, Mao Xiaoyu was still very grateful.
After lunch, having completed all the loan procedures, Mao Xiaoyu did not return to Li Mingyue's financial company. Instead, she said goodbye to Li Mingyue and left.
This time I plan to go back and do some serious research on stocks to prepare for what stocks to buy with the next 20 million yuan.
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