Roaming in the dark night

Chapter 108

The two of them went to the restroom in the service area of ​​Xincheng. Brother Wang saw someone selling Jinyun sesame seed cakes, and said hello to Yu:

"Eat biscuits, eat biscuits, this biscuits are delicious."

He walked over, bought four Jinyun biscuits, put them in two paper bags, walked back, and handed Yu Wenhao a bag, and the two of them squatted on the steps, eating the biscuits while watching the people and cars coming in and out.

After eating, throw the paper bag into the trash can next to it, then clap your hands, get up, Wang Ge and Yu Wenhao said:
"Do you want me to open it? That little wine should have passed."

Yu Wenhao quickly said: "No, no, you'd better tell the story. Listening to you talking about those things, time flies."

Brother Wang laughed with a "ha": "It sounds calm and breezy, but in fact, when I actually experienced it, it was really treacherous and shocking every step of the way."

Yu Wenhao said, "Aren't all the stories like this?"

"That's right, that's right." Brother Wang said.

The two got into the car, and Yu Wenhao started the car. Brother Wang said, "Younger, tell me, what is the biggest in this world?"

"Whale?" Yu Wenhao asked.

Brother Wang shook his head: "No."

Yu Wenhao said, "The sea?"

Brother Wang still shook his head: "Whether it's the sea, the mountains, or the whale you mentioned, if you want me to say, none of them are as big as people. If there are no people, what's the point of them. Including the universe, if there are no people, it will be It is the existence of unconsciousness, meaningless, and all sizes are measured with human scales."

Yu Wen laughed. He said, "This, once you talk about it, it's a mystery. For example, who is the greatest God, Allah, or Buddha? If you compare them, the three of them are fine, and they will fight."

Brother Wang also laughed, and he said: "Okay, let's not talk about that, let's talk about it more practically. For people, it's either power or money. Although power can make money, it's easy to make money, but I want to I think even the president of the United States is piled up with money, and it seems that the money is bigger. Look at this road, there are so many cars, and everyone is rushing back and forth, who is not rushing for money?"

Yu Wen thought about it, this seems to be right, but also seems wrong, he said: "It's not so absolute."

"Yeah, not so absolutely." Brother Wang said, "But after doing this job, what I feel the most is that I used to be ignorant, I didn't know what money is, and I just spent it every day. After doing this job, Only then did I realize that money is human nature, money can change a person too much, and it can also expose a person. This kind of money game is a naked competition of human nature.

"Including, money can change the relationship and distance between people too much. Big guys like Cheng Feng and Xu Jiayin, how could I have known them before, and when I was in business, how could I be with Haihang and Hengda Dealing with such a giant company, but after doing this, I can say that I can come in and out of their office casually.

"You may only know now that these companies are dead. In fact, I have known for a long time. From the time when they were sweeping money frantically, I knew they were dead. There is also one in Shenzhen, which claims to be one of the world's top [-] companies. Huawei is still a big company, it’s all the same, I’m talking here, it won’t take a few years before we can see its bubble burst.”

"You also have business with them?" Yu Wenhao asked.

Brother Wang smiled and said, "If you can get funds, you can also do business with them."

"What are you doing with them?" Yu Wenhao asked.

"Commercial tickets, do commercial tickets, do you know about commercial tickets?" Brother Wang asked.

Yu Wenhao shook his head and said he didn't know.

"It's similar to a banker's acceptance bill. The difference is that a banker's acceptance bill is issued by a bank, and the bank provides a guarantee. When it expires, you can go directly to the bank. Commercial acceptance bills are issued by a company, and the issuing company provides a guarantee. When it expires , you go directly to the company.

"That's how they treat themselves as a money printing machine. Hundreds of millions, billions, and tens of billions of money are printed out like this. They will ask for any money you have. The annual interest is more than ten percent. They can sweep money everywhere. It’s red-eyed. I’m in a business, and I know that the normal bank loan interest rate is a heavy burden for a business. How many times your capital cost, can you pay it back?

"What do you do, you can have such a high profit? Buy a piece of land and put it there, it seems that it is rising every year, but that is on paper. The land is not money, it is money after it is realized. The land is put there. Sometimes, while adding value every year, it also bears the cost of funds every day and accumulates your liabilities.

"From the time you buy a piece of land to the time when you sell it as a house, you seem to have paid a [-]% premium, but if you borrow the money to buy the land in this way, you have to bear more than ten percent of the interest every year. From buying to selling, if the cycle is ten years, what premium do you have? Have you made money? There is no compound interest in this, so don’t tell stories there.

"The cycle of real estate is so long. If you break it apart, it doesn't have such a high profit. It's impossible. If it doesn't come out, what should I do? The only way is to dig new holes to fill the old holes, and use new debts to pay off old debts. It's like a snowball , Rolling up the company's debts. Moreover, these are off-balance-sheet businesses, hidden liabilities, which cannot be seen on the financial statements, because such a high discount interest rate itself cannot be paid.

"One day, you will have a time when you can't move. What should you do if you can't move? That's the case. Haihang is like this, Hengda is like this, and the company in Shenzhen will definitely be like this in the future. People who play with money In the end of the game, someone still needs to know the truth. If no one knows the truth, then you will become a funnel.

"Why do people believe in state-owned banks, because they have the backing of the country, and the country's reputation is still there, and they are there. Why do you like to use the US dollar? It's so big, and you can't get the bottom of it. It will definitely collapse in the end. After waking up from the dream, I realized that it turned out to be a nightmare.

"There is also a very dangerous thing in it. Others may not have thought of it, but I have seen it a long time ago. If this is revealed, it will make you big bosses go around in minutes."

Brother Wang stopped here, but Yu Wenhao's curiosity was seduced by Brother Wang, and he asked:

"What is it?"

Brother Wang said: "It's not about commercial bills, it's just a bill printed out by your computer, and you just need to stamp it. There are regulations for companies to issue commercial bills, otherwise the conditions for discounting will not be met. Commercial bills must be There are corresponding purchase and sales contracts and invoices. That is to say, if you issue a 20 billion commercial ticket to post in the society, you must fabricate 20 billion sales and issue a 20 billion value-added tax ticket.

"The value-added tax invoice is a minefield. Your 20 billion value-added tax invoice is tantamount to false issuance. False issuance of value-added tax invoice is a red line. If you really have to investigate such a large amount, you can go straight to infinity.

"So when I saw them, those so-called bosses, I didn't have any pressure at all. Why? I have confidence. I know that if I want to mess with you, I can kill you in minutes. Why are you so proud in front of me?
"Less than, let me tell you, after doing this business, I realized that people's hearts are actually the same, that is, greed. Even big bosses like Cheng Feng and Xu Jiayin are actually the same as those who have saved millions of people from the bank. People who steal outside are all the same, they are greedy, this is human nature, and people cannot defeat their own human nature.

"That Cheng Feng is even funnier. When you are with him, he talks about Buddhism with you. The layout in the office is also the same. He is also a vegetarian and pretends to be a ghost every day. The Buddha has not changed your greed. What's the use? That is to say, those who pray for the blessing of Buddha every day are not asking for promotion and wealth, or for themselves to avoid accidents, as if the Buddha is their umbrella.

"I was like this for a while. I prayed for God's blessing every day. Now I don't ask for it anymore. I can eat and sleep every day, and I also pray for a ghost, haha."

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(End of this chapter)