Chong Sheng 1977Nian Cong Zhi Qing Kai Shi

When I came to Nan's courtyard, it was already a bit late. The whole family was sitting on the sofa in the living room, eating melon seeds and chatting. Yi Jinru was also there. Obviously, the New Year's Eve dinner was ready, and they were waiting for Nanyi them.

"Father, mother, elder brother, sister-in-law, Ruochan, we are late." Nan Yi stepped forward to say hello.

Nan Wuwei followed closely behind and also stepped forward to say hello, "Grandpa, grandma, uncle, aunt, sister, I'm late."

"Wuwei, let grandma take a good look." Yi Jinru stepped forward, hugged Nan Wuwei's shoulder and stared at him for a while, "I've grown up again, grandma almost doesn't recognize her anymore."

Yi Jinru is very rare for grandchildren. Nan Tieli and Wenren Lanyue also meet the conditions for having a second child (one is divorced and has only one child, and the other has no first child), but for some reason, Wen Renlan There was no movement in Yue's stomach, and Nanyi had never heard Nan's family mention the child.

Taking advantage of Yi Jinru's missing grandson here, Wenren Lanyue called Liu Zhen, and the two went to the kitchen to serve the dishes.

Nan Yi came to Nan Huaiqiu, and with a whoosh, two wads of money were stuffed into the other party's down jacket pocket. Nan Huaiqiu felt the precipitation in the pocket, and reached out to touch it. The money was stuffed into the clothes.

Nan Huaiqiu is very sad. His wife is rich, his son and daughter-in-law are rich, and his own salary is not low, but although he has enough food and drink on weekdays, he usually does not see money. Three hundred and sixty-five days a year, at least For three hundred and fifty days, my pocket was cleaner than my face.

"Ruochan, here you are."

Nan Yi came to Nan Ruochan again, and handed her a thin red envelope, which contained only two cards of Great Unity, just for a meaning. Nan Ruochan owns 30% of the shares of Xiaonanjia Beverage Service Company. Nanyi has intervened in the dividend distribution. The money can go to Nan Ruochan herself, and no one will help her "keep it". She is not short of money.

"Thank you uncle."

"You're welcome, this summer vacation you go to the United States early, look around Harvard, pick a house you like, uncle will help you buy it, and you can live in your own house after summer vacation, you can dress it up as you want .”

For Nan Ruochan, since she has one foot in Harvard, it is the best place to study at Harvard. She can continue to work as an assistant in the synthetic organic chemistry laboratory during her undergraduate period, and become a researcher in the laboratory when she is a graduate student. Whether it is doing research or establishing contacts in the chemical industry, there will be no delay.

"Um."

The dishes are on the table, and the New Year's Eve dinner begins.

While eating, the family chatted about the Spring Festival Gala, which show was good last year, who acted well and sang well, and looked forward to who we will see later, who will have a cross talk with whom, who will have a sketch with whom, and who will sing .

The Spring Festival Gala in the past two years has focused on entertainment over politics. It is impossible to guess the specific program, but it is really not difficult to guess who will be on stage. Anyway, actors and singers who are popular with ordinary people will most likely appear in the Spring Festival Gala.

Hosts, cross talks, skits, and national team singing, you don't have to guess these. Old faces will be replaced with new ones, and the old people will definitely see each other.

For popular songs, it depends on who is popular last year and who is famous. Nanyi has a few names and songs in his mind. They will appear in the Spring Festival Gala, combined with last year's popularity, he quickly delineated a few people and songs that may appear later.

While talking about the Spring Festival Gala, Yi Jinru suddenly said coldly, "Nanyi, do you think I should invest my money in Changcheng Company? The interest rate is so high."

The past 1992 was not only the year of real estate, but also the year of fundraising.

After the Southern Tour, the investment enthusiasm of the mainland people has skyrocketed, and people are full of enthusiasm for various innovative construction projects.

In 1992, bank loans opened up to private enterprises, but they were still relatively conservative. They welcomed tangible collateral, such as land and commercial housing, and they could easily lend money out. If you have patents, high-tech, etc., banks will not like it, and they will not lend a dime.

From the perspective of the bank, this is not wrong. No matter how many other functions are given to the bank, its job is still to make profits, and its core is still a financial institution for profit. Really, how much it can be worth is difficult to measure precisely.

Besides, no matter how valuable the technology is, it has little to do with the bank. What the bank earns is only the interest on the loan, which is fixed and will not vary according to the value of the technology.

Because of financial control and the difficulty of getting loans, various private fund-raising activities have sprung up like mushrooms after rain, and they are very active, and interest rates are also rising.

Although as early as 1986, there was a thunderstorm in Wenzhou over the promotion of the meeting, involving a huge amount of 1.2 billion, the disturbance was quite big, and many meeting owners and their families were fooled It was miserable, but the turmoil came and went quickly. After the weather calmed down, the festival in Wenzhou continued, but it was no longer as blind as before, and the color of the festival was restored.

At present, in many coastal areas, the annual interest rate of private lending funds is basically between 16% and 20%, which is a relatively normal interest figure, but there are also many abnormal interest rates.

There is a company called Changcheng in Beijing. It is rumored that this company has invented a new type of motor, which is an energy-saving project. Energy shortage is an old-fashioned talk in the past few years. Power consumption shortage and the Three Gorges were hot topics last year. New technologies with energy-saving concepts have always been popular. emerged in the environment.

The boss of Changcheng Company, Shen Siping, is a master at packaging and hype concepts. On May 28 last year, his motor technology passed the national-level scientific and technological achievement appraisal in Diaoyutai State Guesthouse. The appraisal certificate stated: "As an important project of energy conservation, guidance and support should be given as much as possible."

Shen Siping even declared to the outside world that Changcheng Company has invested nearly 50 million yuan in the past few years to successfully develop this high-efficiency and energy-saving motor. Electric motors can save 40 billion kilowatts of electricity a year, and its grand future is full of imagination.

At first glance, Shen Siping's new motor is a very promising product, so Shen Siping started to raise funds from outside. His fund-raising rules are as follows: investors and the company directly sign a technology development contract, and the starting point of the fund-raising amount is 3000. Yuan, the higher one is not limited. Investors can withdraw their investment funds at any time, and pay compensation fees on a quarterly basis, with an annual compensation rate of 24%.

Shen Siping's first round of fund-raising activities was launched in Qiong Province in June last year. The advertisement was published the day before, and there was a long queue at the door of the company the next day. In just 20 days, 20 million yuan was raised.

Shen Siping, who achieved a great victory in the first battle, immediately accelerated the pace of fundraising. He successively carried out similar activities in 17 cities across the country. The fundraising storm of Changcheng Company swept across the country quickly, and soon became the hottest high-tech enterprise last year.

The reason why Shen Siping's fund-raising activities were so smooth was that media reporters from all over the country played a role in fueling the flames. Several media spared no effort to praise Shen Siping, which made people doubt their motives.

It was under the advocacy of countless media that Shen Siping raced to siege the land and was invincible. As Shen Siping's fundraising became more and more smooth, behind him began to appear that old and old endorsed him, and with the help of powerful people , Shen Siping's fundraising is like adding a rocket booster, the speed is getting faster and faster, and the fund pool is getting bigger and bigger.

So far, Shen Siping has successively set up more than 20 branches and more than 100 branch offices across the country, employing more than 3,000 employees. The main business is to advertise, speculate on news, and raise funds.

According to the newspaper, Changcheng Company has raised more than 1 billion yuan, with 100,000 investors, of which individual funds accounted for 93% of the total funds raised. There are 9 cities with more than 50 million yuan in funds raised. At most, there are more than 200 million.

As the fund-raising bubble grows bigger and bigger, Shen Siping's stories published in newspapers are getting more and more outrageous. What owns more than 300 internationally leading patented technologies, and its leading product, high-efficiency and energy-saving motors, has been applied in various production fields. Holds an order volume of 1.5 billion yuan.

At the same time, among the tens of thousands of private technology enterprises in the country, Changcheng is the only one that has been included in the national industry management.

The bigger the bull, the more funds are raised, and the thunderstorm is only a matter of time.

1 billion funds, although a quarterly compensation needs 60 million, but this is really not a big problem, even if there is no follow-up funds, the current funds can last for several years, the biggest problem is that there are too many funds, There are too many people involved, and the momentum is too great, which can't help but make people not vigilant. If there is one Changcheng today, ten or hundreds will appear tomorrow.

At present, there is no such thing as "illegal fund-raising", and there are no clear regulations on the interest of private loans. Basically, they are willing to fight and bear. It is also impossible for Siping to be charged with an illegal fund-raising crime.

Shen Siping made 1 billion when he started it, the number is too big, the bullshit is too big, the triangular debt turmoil has just stopped, and the real estate boom is in full swing, it is okay to raise funds secretly, the momentum is so big, and it affects so many people, how could it not be It will be a matter of time before he gets slapped in the face by attracting the attention of the higher-ups.

"Mom, 10-20 million yuan is more than enough to produce electric motors, and sell them at the same time, and make money to expand the scale. Even if Shen Siping doesn't have a dime in his pocket, the annual interest of 20 million yuan is only 4.8 million yuan, and it will take two or three years. , When he himself has enough money, he pays back the money, and all the money he earns is his own.

Let me make an analogy, let’s say that our Jinru trading company has enough money to turn around, and the business has also improved. For the time being, there is no business that needs a lot of working capital. Mom, would you like to raise a sum of money from outside, such as Say 100 million, and then pay 24 million in interest every year? "

"Of course I don't want to, and I'm not stupid..." Yi Jinru came to her senses, and stammered, "You mean that Changcheng Company is trying to raise funds?"

"That's right, you're worried about other people's interest, and they're worried about your principal, so it's already too late to invest in Changcheng Company. If there was still time to invest in May and June last year, invest in it, put it aside for half a year, and leave with two installments of interest. "

If Nanyi hadn't cherished feathers, he would have gone to Shen Siping in June last year, borrowed 100 million from the bank and put it in Changcheng Company for half a year, and when the time came, he would have to raise 112 million to go. Don't mention the contract, and don't need to spoil Jokes, if you want to continue messing around, just spit out the money obediently, picking up millions of interest differences for nothing.

Nan Huaiqiu said: "Isn't he cheating money?"

"Dad, this matter is not yet definitive. As long as Changcheng Company is still paying compensation to fundraisers, it cannot be said to be cheating money. I have also read the technology development contract, and it does not specify that the funds raised will be used for research and development. Or expand production, and there is no specific date for the return of the principal, strictly speaking, Shen Siping has the final say on how to spend the money.”

Nan Huaiqiu: "Then let him mess around like this?"

"That's impossible, the country will definitely take action." Nan Yi said, holding up the wine glass, "Mom and Dad, let's not talk about this, I wish the two elders a happy new year."

Yi Jinru also picked up the wine glass, and said, "Everyone, come together, Ruochan and Wuwei, you two also hold up the Sprite, grandma wishes you 100 points in every exam, and will be the same as your parents, uncles and aunts in the future." , have been admitted to good universities.”

"Thank you grandma!" Nan Ruochan and Nan Wuwei said in unison.

After taking a sip of wine, Nanyi added Sprite to the two little ones, took two sips from his own cup, sucked the cup clean, and poured himself a glass of Sprite.

After the New Year's Eve dinner and the Spring Festival Gala, Nanyi took his two little ones to the alley to play with fireworks and firecrackers. The day before yesterday, he bought some hundreds of dollars on the street, so he could have a good time.

Nan Ruochan was playing with fireworks, Nan Yi and Nan Wuwei were playing with electric light cannons, and the unsold broken tooth jars and broken enamel basins that had been thrown in the corner of the courtyard were brought outside. A dull hum.

[Electric cannons are also firecrackers. They are usually not wrapped in red paper. They come in all colors. It is estimated that the merchants position them for children to play with. There are clusters and individual packages. They are more powerful than ordinary firecrackers. ]

"Dad, let's blow up the public toilet."

"You're so smart. I'll go with you. Others will only scold me, not you, right?"

"Hee hee hee, you are an adult, I am a child."

"It's Chinese New Year, give me a break, just play here." Nanyi held a large handful of Nezha Hot Wheels in his hand, lit one and threw it on the ground not far away, and the Hot Wheels spun quickly on the ground , and some will fly off the ground.

While playing, Nanyi found several triangular cannons (folded into triangles, flat) under his feet. Reflexively, he took a step back, and Nanyi underestimated that the fuses on the triangular cannons were not lit.

Looking at Nan Yi who was frightened, the instigator Nan Wuwei laughed, "Dad, are you frightened?"

"Hey, you're big, don't scare me anymore."

Nan Yi picked up the triangular cannon on the ground, lit it and threw it at the opposite wall. When the triangular cannon hit the wall, it exploded, and small pieces of paper flew all over the sky.

The elder and the younger had a lot of fun in the alley, and when the time came to 7:55, they returned to the yard to wash up, walked into the lively living room, and watched the Spring Festival Gala together as a family.

On the first day of the new year, without New Year greetings, the three members of Nanyi's family wandered around the street.

Passing by the door of a Tongrisheng Grain Store, Liu Zhen suddenly said, "Nanyi, the food stamps are about to be abolished, right?"

"It should be soon. Didn't it start blowing last year? Why are you talking about this? There are no food stamps at home. I still have dozens of catties of national food stamps with me."

Nanyi and Liu Zhen's household registration is in Wenchangwei. Food stamps were abolished in 1984, and Nan Wuwei's household registration is in Beijing. The family does not even have a grain book. I started to eat the special offerings of Nanshi and Reclamation Group, but I have never had much dealings with state-owned grain stores.

"It's nothing, I suddenly remembered the past." Liu Zhen said, looking down at her waist, "I used to be so thin, I found out that I have a swimming ring yesterday."

The span of Liu Zhen's words is really quite large, but Nanyi still has to continue, "It's easy to handle, first check your body, let the health care team give you a fitness plan, and it will disappear soon."

"Is there anything you can eat to lose weight?"

"Yes, Croton, eat half a bowl a day for three days in a row, I guarantee you will be thinner than when you were 16 years old."

Liu Zhen raised her finger to guide Yi's nose, "I don't want to quarrel with you since the New Year's Eve, so answer me seriously, is there any?"

Nanyi stopped teasing Liu Zhen, and said seriously: "The best way for you to lose weight is to go on a diet. After the first month, let the health care team formulate a diet plan for you."

"Do you want to be taboo?" Liu Zhen's face was full of confusion.

"How do I know? Let's talk about it after reading the plan." Nan Yi said, turning his head to look at Nan Wuwei, "Son, where do you want to go?"

"There is no place in particular that I want to go, Dad, let's go shopping casually." Nan Wuwei looked around, looking around fresh.

"Okay, let's go wherever we go."

A family of three walked aimlessly on the street, quietly watching the atmosphere of the New Year and the changes in the capital.

The atmosphere of the year is very strong, it is in the center of the city, the changes in the building are not too big, the changes are subtle, the business atmosphere is getting stronger, the charges for bicycle storage are changing, the service mode is also changing, and the mountain area will be specially designated The storage area for cars and racing cars may be more expensive or the same, but the toll collectors will pay more attention. After all, the price of mountain bikes is relatively expensive.

There are more and more billboards erected outside. A wooden board with two brackets is painted with white paint, and the products he supplies are written on it. Looking at these billboards, Nanyi found a business opportunity to create a millionaire .

At this time, if you open an advertising company to make signs and light box advertisements for these restaurants and stores, you should be able to make a wave of quick money. There will be more, and in the short term, it is not impossible to hope for multi-millionaires.

This year, the results of the Olympic bid will be announced. The final sprint is coming. Activities to promote the Olympic bid will definitely be indispensable. Flags, fireworks, firecrackers, and many other things can be stockpiled first and sold at an appropriate time. Maybe TV sets will usher in a burst of hot sales. Depending on the results of the Olympic bid, there may be more smashing.

There are still a lot of business opportunities, but it doesn't seem to have much to do with Nanyi.

Passing by a stall selling tapes, Nan Yi suddenly became murderous, and the tape recorder was actually playing "Who Will You Think of When You Are Lonely?" Shouldn't this song only appear two thousand years later?

"Boss, what song is this?"

""Who Do You Think of When You're Lonely", the new song of the group NBC in Taiwan, do you want me to have a copy, and it will be cheaper for you." The vendor picked up a cassette and showed it to Nan Yi.

Nan Yi took the tape and saw the familiar words "New Boys Club". Looking back on their song style before, he instantly understood that he was thinking too much, "Who Do You Think of When You Are Lonely" and their songs The style fits very well, it should be a song created according to the style of the combination.

"It seems that I'm still a little ignorant." Nan Yi felt annoyed.

The reason why he was annoyed was that he had to start with an Internet company called Google. In 2003, Google launched a product "Google AdSense".

To put it simply, this is an advertising network. The website owner registers an account on this platform, gets a piece of code, inserts the code into the appropriate area of ​​the website, and the advertisement placed by Google will be displayed. When someone clicks on this advertisement, the website owner can Get an ad cut ranging from a few cents to a few dollars.

Around the first half of 2004, Google introduced this business to Huaguo. At that time, many webmasters (website owners) discovered it, and many webmasters fell into its arms and inserted advertising codes on their websites. .

At that time, there were many technical nerds in various cities across the country, and they would receive checks mailed from the United States every once in a while, with a minimum of 100 US dollars (equal to more than 100 US dollars before cash withdrawal), and tens of thousands or hundreds of thousands more. There are not a few, "Google AdSense" allows many people to enter the high-income group and even make a fortune.

Because of "Google AdSense", a new technology term "search engine optimization" also appeared, the English abbreviation is Seo, and the person engaged in this work is called Seoer. At that time, another wave of people engaged in search engine optimization did not make it clear.

A little earlier than this time, Nanyi was already running an Internet company. At night, he often hung up "Yahoo Messenger" and "Icq" to chat with foreigners while rushing to work.

Nanyi didn’t learn English well in this life. In fact, he spent a lot of time studying it in his previous life. When he was playing Icq, he added a female foreigner who was doing business. A small company with two or three people needed to establish a Huaguo procurement Channel, learning Chinese.

Nan Yi, who is a four-good young man, knew that the other party wanted to learn Chinese, so of course he taught it with all his heart. In order to communicate better with the other party, Nan Yi worked hard to improve his English skills.

Of course, the reason why Nanyi worked so hard was because the other party emailed him a photo.

In short, because of this female foreigner, Nanyi improved his English to the level where he could browse English websites. During that time, he often browsed American websites. It cannot be told to outsiders.

At BBS, Nanyi learned about the development of the Internet in the United States, and also learned about some new technologies and models, such as "Applied Semantics", the predecessor of "Google AdSense". Google acquired this company to form "Google AdSense” department.

"Applied Semantics" has opened a new door to Nanyi's wealth - making websites and placing advertisements.

To be able to make money, Nanyi is of course willing to work hard to research. After much deliberation, he decided to make a music website, transitioning from "Applied Semantics" to "Google AdSense". For a few years, Nanyi's daily job was to update the music website , Editing the information of bands, groups, and singers, he passively absorbed a lot of music information in his mind, and he should have tapped all the slightly famous singers and music with his hands.

When working, Nanyi lets the music player play music in a loop. He has a music playlist that plays 24 hours a day, and it takes more than three years to finish it.

Because of this experience, Nanyi knows many singers and songs. When a song sounds, he will have a feeling of deja vu. He has edited too many music materials and listened to too many songs.

Nan Wuwei stood beside Nan Yi, picked out the tapes for a while, and said, "Boss, is there any Nirvana?"

"Nirvana?" The vendor said confusedly, "I've never heard of it, you should look for it yourself."

"When did you hear about Nirvana?"

"Last year, Sister Ruobing sent me the record. I like their "about a girl"." Nan Wuwei rummaged through the tape, repeating Nanyi's words.

"Oh, American Nirvana. I thought it was British Nirvana. It's too early for you to listen to rock and roll. I'll buy you a few tapes of nursery rhymes for you to listen to."

"I don't want it, Dad, I want this record." Nan Wuwei picked up a cassette and said.

Nan Yi glanced at the cover of the tape, and found that it was Enya's "Watermark", "Just buy the tape, but the stereo at home is too bad, so buying a record is a waste."

"Change to HIFI."

"Your father is not an audiophile, nor does he have advanced ears. The stereo at home is enough."

Nanyi took the selected six tapes in his hand and gave the vendor twenty yuan. The price of the tapes dropped really fast, and it had already reached ten yuan for three or four boxes.

"You don't have it, I have it, Dad, let's set up a HIFI set, ah, it hurts..." Before Nan Wuwei finished speaking, Liu Zhen had already caught his ear.

"You still want HIFI, do you earn a salary?" Liu Zhen sprayed Nan Wuwei, then turned her gun to Nan Yi, "You just pamper him, do your best, and when he wants the stars in the sky, I will It depends on how you give it."

"Let go, put it on the street, it looks good." Slapping Liu Zhen's hand off, Nan Yi looked at Nan Wuwei's red ears, and rubbed them lightly with his hands, "I'm addicted to being beaten by your mother, I can't see it at all." No."

"Father, our family must put an end to stick education. As a flower of the motherland, I have been devastated by the sun at seven or eight o'clock in the morning, and I am withering day by day." Seeing Liu Zhen's eyes about to eat him, Nan Wuwei quickly changed his words and said: " In a democratic family, the family rules are the mother; in an authoritarian family, the mother is the family rule."

"Hahaha, a set of sets, you are right, our home is Liujiazhuang, all the good and bad are decided by Liu Zhuangzhu. When your mother was just born, she had a piece of jade in her mouth. There are four words - Yongzhen Nanshi."

"Just go crazy with him." Liu Zhen smiled secretly and nodded at Nanyi.

Nan Wuwei and Nan Yi looked at each other and smiled.

At noon, the three of them came to the gate of Wangdefu, received a large multi-link coupon from the promoter, sat in the store, and studied together what to eat to be more affordable, so as to make the most of the coupon.

After studying for a while, Nan Wuwei pouted and said, "Dad, this is not a coupon, it's a promotional list. After all the calculations, the most expensive blessing bucket is the most cost-effective."

"Then order the lucky bucket." Nan Yi said happily.

"Too much to eat."

"It's okay, take it home for dinner."

"Oh, I'll go buy it. There is a discount for children." Nan Wuwei grabbed the coupon and walked towards the ordering counter.

"Your son is getting more and more difficult to manage."

"You are quite enlightened, and you just take care of it as soon as you open your mouth, and put yourself directly in the position of a manager." Nan Yi followed Nan Wuwei's gaze and said without looking back.

"Don't argue with me."

"If you don't lift it, you don't lift it. I think it's good to be Wuwei. It's Pi's age. It may not be a good thing to force him to be quiet. Besides, he is skinny, but he neither caused trouble nor bullied the weak. It's just that in his eyes The world is very big, and there are many things that he wants to try.”

"I didn't say he caused trouble. I meant that the things he played with were so dangerous. Don't you worry?"

"Worry, but I won't stop him. I hope our son's life is just a process, not a goal."

"What if there is an emergency?"

"In case and tomorrow, who knows which will come first, some things, worrying will not help, instead of worrying, it is better to arrange more remedial measures. Well, for the Chinese New Year, let's not talk about this."

Wenchangwei, the home of Xian Yaodong.

A family of three is having lunch in the dining room.

"Yaodong, should we invest some money in Changcheng Company? The family's money is idle."

Hearing Zhang Yu's words, Xian Yaodong paused, recovered after a while and said: "The interest rate given by Changcheng Company is too high, and the pool is too big. Nanyi told me before that there is a scam called Pond's in foreign countries. Changcheng is like a Ponzi scheme."

"Ponzi scheme, I seem to have heard of this, but I don't know what it means, Yaodong, tell me."