Gold Investor

Chapter 111 Internet Finance (7)
Fang Yubin was beaten until his eyes were staring, and he was shoved to Jiang Ruobing's side while staggering.He suddenly reached out and hugged Jiang Ruobing into his arms.In this situation, no one will have half a distraction, or even have time to think about anything.Fang Yubin's physical contact with Jiang Ruobing was entirely out of the masculine instinct to protect the weak. He subconsciously hugged her, hoping to block her fists with his body.

The fists and kicks became more and more fierce, Fang Yubin lay down on the ground, and Jiang Ruobing was crushed under him.Suddenly, he felt a heavy blow to the back of his head. This was definitely not the force of a fist, but the impact of a hard object.The back of Fang Yubin's head began to bleed, and after a few seconds, he lost consciousness...

It was night when Fang Yubin woke up, and Su Jin was standing beside him. "You're awake." Su Jin's face was full of fear.

Knowing that Fang Yubin woke up, people from the corridor came in.Seeing Fang Yubin, Jiang Ruobing grabbed his hand excitedly, with tears in his eyes: "Just wake up, thanks to you today."

Before Fang Yubin could speak, Su Jin said first, "Thank you for your concern for Yubin."

Fang Yubin asked Su Jin, "Why are you here?"

Wu Buda was waiting in the car at that time, and escaped by chance by not entering Wen Yubiao's office.He said: "After the accident, I called Teacher Su. I thought she knew a lot of people in Jiangzhou after all. She rushed over immediately after receiving the call."

The wound on his body was still painful, but Fang Yubin was quite relieved in his heart.It was awkward for a while, but when he heard that something happened to him, Su Jin rushed over immediately.

"Boss Fang, are you feeling better? I'm really sorry that this happened." A man said by the hospital bed.

Fang Yubin looked at this person and felt that he looked familiar, but he couldn't remember it for a while.Wu Buda said: "He is Xu Leshui, the chief engineer of the steel plant, and Wen Yubiao's brother-in-law. After the accident, he kept yelling at the side to stop the workers, and he called the ambulance later."

Fang Yubin nodded: "Thank you. If you hadn't stopped it in time, I'm afraid I would have died." "We are to blame for this." Xu Leshui said, "Besides, although I stopped loudly, the workers didn't stop. Fortunately, the police came later Only then did the workers disperse."

Fang Yubin smiled bitterly and said, "It's better to be the police! I didn't expect the Jiangzhou police to act so fast."

Xu Leshui shook his head with a pained expression on his face.Yuan Ruilang was slightly injured. At this time, his hands were wrapped in bandages, and he limped in: "The Jiangzhou police are not so fast. The police from the provincial capital came."

Yuan Ruilang went on to say: "It was only later that I found out that the police from the Provincial Department came to arrest Wen Yubiao, and they didn't say hello to the Jiangzhou side at all. But Wen Yubiao should have gotten the news. I think he jumped off the building, partly because he had no money to pay his debts, and partly because he was afraid of crime." suicide."

Yuan Ruilang was still very weak and had to support the bed.He was still complaining: "It's all my fault that I was too unlucky. I lent money to Wen Yubiao and couldn't get it back, and this happened to me."

Xu Leshui looked embarrassed, and in the end, he just told everyone to rest at ease and left the hospital by himself.Su Jin was busy feeding Fang Yubin medicine, and the others left the ward one after another.

After all, Fang Yubin was physically strong, and after a night's rest, he was able to support himself out of bed.Early the next morning, Su Jin helped him to Yuan Ruilang's ward.Yuan Ruilang was on the phone on the bed, assigning work to his subordinates in Shanghai.

Seeing Fang Yubin, Yuan Ruilang sighed: "I'm sorry to trouble you."

"This injury is nothing." Fang Yubin sat down slowly, "The key point is Wen Yubiao's death, and that [-] million won't come back in a while. The company, what should we do?"

Yuan Ruilang said: "The capital chain of the P2P platform must not be broken. Once it is broken, there will be a wave of runs. When the gods come, they will not be able to save them. I just explained to the people below that they should immediately find a way to borrow funds from outsiders. Yijia's physique is not bad, as long as he can survive this test, there will be nothing to fear in the future."

Fang Yubin said: "Yijia has no real estate under its name, and cannot get a loan from the bank."

Yuan Ruilang's face was heavy, and he didn't know whether his wound was not healed or he was worried about the fate of Yijia. He said in a low voice, "I let them take the path of private lending. Some Wenzhou bosses lend usurious loans in Shanghai. The jargon is called water money. Although the interest It’s ridiculously high, but it’s too much to deal with these days.”

Fang Yubin shook his head and said, "It's best not to touch these water money. I know that many people were drowned by water money."

"At this point, what else can we do?!" Yuan Ruilang took out a cigarette, suddenly realized that he was in the ward, and put the cigarette back.He couldn't help sighing: "I don't know what's going on recently, this bad luck just can't be shaken off. You said that it's not good to replace the Asia-Pacific president of the venture capital fund. It must be Yan Fei who has a narrow road to enemies. Also, the supervisory team above It’s not a good time to come, but this is the time! If they come half a month late, the government’s technical improvement funds will be allocated to Wen Yubiao, and our money will be recovered.”

Fang Yubin said: "At this point, you can't blame luck, or even Yan Fei or Wen Yubiao. After all, the foundation of Yijia is not strong, and the mountains will shake when encountering a little trouble. The test is not terrible, but the terrible thing is that you can't stand it." Live the test."

Yuan Ruilang knew that Fang Yubin was blaming himself for these words, and his expression became more and more bitter: "If you succeed, countless people will help you sum up your experience. If you fail, I have nothing to say. If you succeed, you will have a hundred fathers, but if you fail, you will become an orphan."

Fang Yubin didn't stop, but said: "The original expansion plan, and the rash loan to Wen Yubiao without collateral are all worthy of reflection."

Yuan Ruilang was a little excited: "What's the point of being an afterthought? Why don't you say that the few sums of money I lent to Zhejiang and Anhui had no collateral, and in the end all the principal and interest were recovered. The inspector team came down suddenly, who can Expected it?"

Fang Yubin said: "You are operating a P2P platform with the thinking of an investment company. The investment company has half the success rate, but the P2P platform must be absolutely foolproof."

Seeing that the conversation became more and more rigid, Su Jin on the side hurried out to smooth things over: "You are all injured, take care of your injuries, and don't talk about work." The two stopped talking, Fang Yubin sat for a while, and returned to his ward.

Although the doctor suggested hospitalization for observation, in the afternoon, both of them clamored to go back to Shanghai, and the people around them couldn't persuade them.After leaving the inpatient department building, Su Jin originally arranged for Wu Buda to drive a car for himself and Fang Yubin, and Yuan Ruilang for another car, driven by Jiang Ruobing.Jiang Ruobing said to Su Jin, "I'm not good at driving, and I haven't run overnight. Why don't you let Director Wu drive Mr. Yuan's car, and you drive another one?"

After Su Jin agreed, Jiang Ruobing took advantage of the opportunity to help Fang Yubin and also got into the car.After driving on the highway, Su Jin asked casually, "Mr. Jiang, how many years have you had your driver's license?"

Jiang Ruobing replied, "It's been six or seven years."

Su Jin smiled and said, "It's been six or seven years and you still don't dare to drive at night. You need to improve your skills."

Jiang Ruobing said "hmm" and didn't speak again.Fang Yubin on the side could see that Su Jin probably didn't like Jiang Ruobing too much.Maybe it's because he stepped forward to protect Jiang Ruobing, who was too warm to him these days.Women are always very jealous, even Su Jin is not exempt.On second thought, this is also very good!Su Jin's attitude towards him changed, and Jiang Ruobing contributed a lot.Maybe Su Jin felt the pressure when he saw a beautiful woman showing courtesy to his fiancé who was neglected by him?Bargaining is not as good as bidding. It makes sense in the market, but I didn't expect it to work in love.

After a while, Jiang Ruobing cast his eyes on Fang Yubin: "I took this car because I want to tell you something."

"What's the matter?" Fang Yubin asked.

Jiang Ruobing said: "You know that Mr. Yuan arranged for someone to borrow water money from the Wenzhou boss?"

"I know." Fang Yubin said, "I also persuaded him that the interest on water money is too high, so he must be cautious."

"It's not a last resort, who wants to borrow water money!" Jiang Ruobing said, "My colleagues in Shanghai called in the afternoon and asked around. When someone heard that it was a P2P platform, they immediately refused. There have been too many accidents on P2P platforms recently. Even loan sharks dare not borrow money. There are a few who are willing to borrow, and the interest is horribly high. Borrow 3000 million, and repay 4500 million after half a year."

Jiang Ruobing sighed: "Mr. Yuan and I calculated it together. No matter how high the interest rate is, we have to borrow, otherwise the company's capital chain will be broken immediately."

Fang Yubin frowned even tighter.Jiang Ruobing was silent for a while, and then said: "There are some things I have been holding back before. The current funding gap of Yijia may be more than 3000 million. That is to say, even if the money is borrowed, everything may not be all right."

"What, more than 3000 million? Didn't you calculate it at the meeting that day?" Fang Yubin turned his head in surprise, and the wound hurt even more.

Jiang Ruobing said: "It's 3000 million on the books, but there are other things out of the books. Those investors who put their money in Yijia are all staring at the company with wide eyes. If there is any trouble, they will rush to withdraw the money. It is also the reason why the capital chain of the P2P platform cannot be broken for a moment. At present, we can still pay the proceeds on time, so there is no need for a big panic. However, after experiencing the withdrawal of American venture capital and Wen Yubiao's jumping off the building, some well-informed investors will inevitably door-to-door, and even asked to withdraw money in advance.”

Fang Yubin said: "This is all an internal matter of the company. How can outsiders know? Those investors don't have such a good sense of smell, do they?"

Jiang Ruobing shook his head and said: "There is no impenetrable wall in the world. Besides, when the company's profits were good a while ago, many employees even brought in money from relatives and friends. You can hide it from outsiders, but insiders can't hide it. The news spreads one by one. , there will not be few people who know."

Fang Yubin asked again: "Based on your judgment, how much cash should Yijia prepare?"

Jiang Ruobing said: "At least [-] million is needed to stabilize the situation." After a pause, she sighed again: "Now we can't even borrow tens of millions, where can we raise [-] million?"

The atmosphere in the car was a little tense.As night fell, the world outside the car seemed extraordinarily quiet.The night is like a thick inkstone, so deep that it cannot be melted.The river water under the bridge whimpered and flowed towards the end of the sky.

(End of this chapter)