Rebirth 98, the rise started from ripping off Microsoft

Chapter 359 I See You Like a Liar
In [-], the bank appeared. This thing was originally intended to help businesses with capital turnover, and played the role of a village bank.

Soon, the promotion spread in the areas where the private economy was active, the interest rate continued to rise, and the membership amount continued to increase, from ten thousand yuan to one hundred thousand, 50, and million yuan.Members pull members to earn interest, develop offline, and continue to spread.

In the 80s, when a catty of pork cost a few cents, and households with ten thousand yuan were still rare animals, a carpenter named Li Qifeng was the first to organize a promotion meeting, and recruited more than 1 members. The membership fee was as high as 2000 million, and the annual income was 900 million. .There is also a semi-literate housewife named Zheng Lefen, who actually received more than 6000 million yuan in membership fees, and put a large bundle of banknotes into a basket.

In a certain county, there are 340 large and small associations in the entire county. In some villages, almost every family has joined the association. More than 20 members have spread all over the counties and districts and even as far as the Mongolian and Xinjiang regions.

At that time, the largest denomination banknote was still ten yuan, and the membership fee was directly weighed by the scale, and the total financial amount was as high as 22 billion yuan.

In the craziest stage, the annualized interest rate of the auction is generally close to [-]%.

What kind of business can have such a high return?

Apparently the vast majority are idling.

According to international jargon, this trick is called a Ponzi scheme.

The localized name is called the meeting.

And the scam is destined to not last long, the higher the interest, the faster the thunderstorm will be.

Therefore, after the Spring Festival in [-], everyone was in a hurry to spend money, and there was a problem with the capital chain of the meeting, and everyone was panicked.In the second half of the year, violent debt collection incidents were on the verge of getting out of control, and students were afraid to go out to class for fear of being kidnapped directly.Some people give gifts and go through the back door just to be locked in a cell to avoid the limelight, but most people can only wait for the storm to come.

In the fall, things finally exploded.

[-] families went bankrupt, schools were closed, factories were shut down, shops were closed...the social order was on the verge of collapse.

The follow-up of the entire chaos of the promotion of the society was not basically completed until [-].

Accompanied by Lu Yiming's eloquent descriptions, Li Quanwang felt goosebumps all over his body. He couldn't help but look at his fingers, imagining a toothpick inserted between the nail and the flesh...he felt shuddering.

"Okay, okay, don't talk about it, besides, I can't even eat today, it's terrible..."

Lu Yiming said with a firm gaze: "Consciously resist the temptation of usury, and believe that there is no free lunch in the world. If people give you benefits for no reason, it must be because they can take greater benefits from you. Now you have no worries about food and clothing, and I Don't ask you to make any achievements, don't be a greedy word. As long as you don't be greedy for petty gain, I can let you follow me to eat, drink, be rich and rich. But if you get greedy..."

"No, no, absolutely not. It's terrible. I'd better live in my villa and take my luxury car. By the way, the bodyguard and driver you assigned to me is awesome."

Li Quanwang shook his head like a rattle.He couldn't have imagined that just a few years ago, such a purgatory-like thing would happen.

He is a very, very ordinary person, a cowardly and muddle-headed scumbag who has become a millionaire with Lu Yiming, but actually still knows nothing about the outside world.Being frightened by Lu Yiming like this, he almost lost his nerve.

Seeing that Li Quanwang was terrified by him, Lu Yiming immediately smiled and said to Li Quanwang, "It seems that I haven't been to the Internet cafe for a while, and I will go to the Internet cafe after school at noon."

"Okay."

After school at noon, the two came to the No. [-] store.This place has long since lost the spectacular scene of being crowded with people before, and the machines are already full.

From the end of the 90s to the beginning of the 21st century, it was the peak period of the explosion of Internet cafes. In the past ten years or so, if you open an Internet cafe, basically as long as you don’t risk your life, making money is a sure thing.In just a few years, the Internet cafe industry has already produced many millionaires and multi-millionaires.

But this wave of tide came and went quickly. Tongxin Internet Cafe has only been open for half a year, and the situation is not as good as before.This is still a chain of Internet cafes like Tongxin Internet cafes with hundreds of machines. The situation is like this, and the kind of small Internet cafes nestled in a corner can be imagined.

In this wave of Internet cafes, money is basically made in units of days, and the price has plummeted from 20 yuan an hour at the beginning of the year to [-] or [-] yuan later.This is due to the price reduction of computer hardware and the popularization of the Internet.By [-] and [-], the Internet fee could basically be reduced to [-] cents an hour.

However, with the mass extinction of Internet cafes, the high-end Internet cafes once again had a period of brilliance, rushing to the scene where 20 yuan an hour is still overcrowded.

Of course, these are all for later.

Li Quanwang came to the store and saw that the Internet cafe was full of people, and he was very heartbroken.

After all, he owns [-]% of the Internet cafe's shares, and as fewer people come to the Internet, the money allocated to him will naturally be less.

The two walked around the Internet cafe, and Lu Yiming found that several computers were broken, so he had to ask the staff to dismantle the computers for him to repair.

Li Quanwang, on the other hand, took out a bottle of Sprite from the freezer leisurely, and pointed at the side while feeling cool.

At this time, Gu Zhiruo and Lin Yuzhen walked into the Internet cafe.

Although Lu Yiming's previous computer is still in Zhu Hanwen's home, and Lin Yuzhen can use it at any time, but Lin Yuzhen was really overwhelmed by the last Internet fee, and now the Internet cafe Internet access fee has been reduced a lot , so when she needs to surf the Internet, she always comes to the Internet cafe.

When Li Quanwang saw Gu Zhiruo, he couldn't care less about giving advice to Lu Yiming. He ran up to the two of them excitedly, and said to Gu Zhiruo, "Gu Zhiruo, are you here to surf the Internet? Where do you want to sit? I'll help you turn it on."

Seeing Li Quanwang licking the dog like this, Lu Yiming shook his head helplessly.

"See sex and forget friends."

The computer was repaired quickly, Lu Yiming went to the bathroom to wash his hands, then took a bottle of iced Coke from the refrigerator, sat at the counter and began to check the operation of the Internet cafe.

At this moment, a woman who looked a little familiar walked in.She went directly to the counter, patted the table, and asked, "Where is your boss Li?"

Lu Yiming was stunned: "Which President Li?"

"Li Quanwang, how many presidents are there in Tongxin Internet Cafe?"

Looking for Li Quanwang?

Lu Yiming remembered what Li Quanwang told him about the meeting this morning, so he couldn't help but pay more attention, and asked, "Why do you want him?"

The woman looked at Lu Yiming unhappily, patted the table and shouted: "Why are you talking so much nonsense, you stinky migrant worker? I'm here to see you Mr. Li, and I'm his fourth aunt, so don't call someone to me again." Come on, believe it or not, let him fire you?"

Lu Yiming just remembered, no wonder this person looks familiar, isn't this the Tian Jiahong who went to borrow money when Li Quanwang's villa caught fire last time?
"Good guy, let Wang Zai fire me? You give him three guts to try? You are here to find Li Quanwang now because of money, right?"

Tian Jiahong was taken aback for a moment, and looked at Lu Yiming suspiciously: "How do you know?"

It has been a long time since the last time the villa caught fire, and Tian Jiahong only wanted to get money from Li Quanwang at that time, even if he had verbal communication with Lu Yiming, he had already forgotten Lu Yiming up.

Lu Yiming didn't intend to answer Tian Jiahong's question, but said to himself: "If you came to talk to Wang Zai about money, then you can leave, he won't pay a penny. Xiao Jin, put this people out."

"Good boss."

Seeing that Lu Yiming was going to chase him away, Tian Jiahong stopped immediately and yelled, "Li Quanwang, come out for me..."

Li Quanwang was at the other end of the Internet cafe to help Gu Zhiruo turn on the phone, and by the way turned on the machine next to Gu Zhiruo, planning to play with Gu Zhiruo, when he suddenly heard Tian Jiahong's voice, he suddenly became terrified, ran over and asked depressedly: "What are you doing?" ah?"

Tian Jiahong pointed to Lu Yiming, and said to Li Quanwang angrily: "I came here to look for you. Not only does this stinky migrant worker not serve you well, but he also wants to drive me out. It is simply unreasonable. You give this person to me." Fired, I'm angry just looking at him now!"

Li Quanwang looked at Lu Yiming in bewilderment.

Lu Yiming shrugged his shoulders towards Li Quanwang.

Li Quanwang said dumbfoundedly: "He is not a stinky worker. He is the founder and major shareholder of Tongxin Internet Cafe. He is much better than me. He is the only one who fires me. Okay, auntie, you come to me, or let me What I invested in, right? Tongxin Internet Cafe is expanding now, and all my money has been invested in it, and now I don’t have any money in hand, so I can’t invest any more.”

Tian Jiahong took a look at Lu Yiming, and felt that she had seen this guy somewhere before, but she had been so busy working for the Internet cafe in the past six months, that she really couldn't remember where she had seen Lu Yiming, so she had to leave him alone.

"Wang Zai, what are you talking about? I don't want much. I only need 100 million. If the money is deposited in the mutual aid club, the interest will be 60.00% a year. What business can be more profitable than this?"

But Lu Yiming stood aside and said with a sneer: "Forget it, 60.00% interest for one year? Are you fooling around? Think we are fools, haven't we seen a Ponzi scheme?"

Tian Jiahong was furious: "It's a Ponzi scheme and a Li's scheme. We are serious business fundraising. If you don't understand, don't talk nonsense, otherwise you will be legally responsible."

Good guy, if you engage in illegal fundraising, let others stop talking nonsense, and you are still legally responsible?

Who should be held legally responsible?
Looking at Tian Jiahong who was hysterical, Lu Yiming finally understood what it meant to be ignorant and fearless.

Li Quanwang had already been terrified by Lu Yiming's persuasion, and he would not let go when facing Tian Jiahong. No matter what Tian Jiahong said, he just said that the money had been invested and he had no money.

Tian Jiahong's saliva was dry, and she really had nothing to say. Seeing that Li Quanwang looked like a bastard who had eaten a weight, although she was unwilling, she could only leave cursing.

When Tian Jiahong left, Gu Zhiruo and Lin Yuzhen had already finished surfing the Internet. When they came to the front desk, Lin Yuzhen asked curiously: "Who was that person just now? It was an aunt and an investor, and it was too lively. "

Li Quanwang sighed, he didn't want to make his family ugly, but Tian Jiahong yelled there, as if he was afraid that others would not know, which made him very helpless.

Lu Yiming said to the two: "That was Wangzai's aunt just now, and she wanted Wangzai to invest his hard-earned money. It was actually an illegal fundraising. If I hadn't discovered it early, Wangzai would have been scammed. By the way, you two too, be wary of the temptation of high profits, and don't just believe in any investment."

He told the two of them the history of the meeting.

Gu Zhiruo said indignantly: "Who is this? He even lied to his nephew's money. That's too shameless!"

Lin Yuzhen asked curiously: "The interest rate of this kind of promotion is so high, how do they make money?"

Lu Yiming said: "They don't think about making money at all. You focus on his interest, but they focus on your principal."

Gu Zhiruo curled her lips, and said disapprovingly, "Such a stupid thing, no one with a normal mind would be fooled, right?"

Lu Yiming said: "If you are not greedy, you will not be deceived, but if you are greedy, you will definitely fall into the pit. In the early stage, in order to attract more people to join the association, the leader of the association usually behaved very generously, giving High interest returns. When you believe it is true and invest money in it, you have already fallen into a trap."

This is actually the basic routine of a Ponzi scheme. The money used to pay the interest is actually the principal of the deceived. As long as there are enough people joining in the future, the fund pool for the promotion will continue to expand. money to pay interest.

But any scam has a limit.And once the scam can no longer be maintained, there will be an avalanche immediately, and everyone's money will be lost at that time.

Lu Yiming explained the working principle to the two of them, which immediately frightened the two of them.

Illegal fundraising flourished throughout the 90s.

For example, Lu Yiming's previous wave of coquettish operations involving the recharge reward return, if it is put in more than ten years later, he will definitely be invited to eat in prison.

But now it is possible to do it, as long as the money can be paid back in the end, no one can trouble him.

But more private fund-raising routines, the operation is much more showy than him, and it is not walking on the edge of the law at all, but trampling on the law at all.

For example, in the "Yilishen" case around 120, the Yilishen Group used the so-called ant farming routine to defraud 200 million farmers, involving more than [-] billion yuan, and invited Zhao Heitu to promote it.

In the southeast coast, private capital is even more active because of the prosperous business.There are so many private organizations like Lingdong Fund Mutual Aid Association.

However, no matter how many tricks are changed, the core is actually the same fund operation mode that was originally proposed.

Lin Yuzhen asked: "You are making such a terrible story, is it possible that everyone is a liar? No one is reliable?"

Lu Yiming said: "Of course there is. The future fund I opened is [-]% annual interest, guaranteed principal and interest, do you want to invest a little? [-] investment, buy it and earn it."

"..."

"You look like a liar to me."

　Ask for a recommendation ticket, hey, I want [-] recommendation tickets
　　


(End of this chapter)