Facing Liu nglong’s question, Sister Hong nodded and casually replied, "It’s not usury, it’s informal lending."
"My personal view is that many people misunderstand informal lending. Actually, as long as there’s a project bringing quick money, you can deal with usury. But if the profits and repaynt period aren’t clear, then you should definitely avoid it... Informal lending shouldn’t be gambled on, it should only be used for ergencies."
This was her personal feeling, and she felt confident saying it.
However, Liu nglong, though appearing scholarly, wasn’t entirely naive. He questioned skeptically, "But if the project is good, wouldn’t soone forcibly lend at usury rates?"
At the end of the day, he didn’t want to get involved with usury. Who among decent people wants to touch usury?
"That’s shoddy stuff," Sister Hong replied casually, "Like those loans with complex interests, they lend you ten thousand but you only get nine thousand... that’s sothing for the casinos. Those with decent amounts to lend prefer quality projects."
"Obviously there’s easy money to be made; who’s foolish enough to chase money that’s hard to recover and potentially illegal?"
Liu nglong was a bit dumbfounded and didn’t know what to say, "Or... should I think about it so more?"
"Well, think about it yourself then," Sister Hong replied indifferently, "Anyway, I dare say this to Feng Jun and I’m definitely not trying to harm you. You’re looking for funds, and informal resources are looking for projects... My word holds so value; ask Feng Laosan if you don’t believe ."
"Alright, stop scaring him," Feng Jun said with a smile, "Big Liu has always been an honest guy at school, constantly recomnding informal lending, really, what’s the point?"
"I really an well for him," Sister Hong said self-righteously, then turned to Liu nglong, "If done well, the interest on informal lending won’t be high. To keep you as a major client, they can even help you manage troubles. It’s a win-win situation."
Liu nglong was a bit tempted. While he’s not soone who underestimates himself, he also doesn’t overestimate. Thinking of having two people in black suits behind him in negotiations, seed quite thrilling.
So he looked at Feng Jun, "Lao San, what do you think?"
"I don’t have much to say," Feng Jun shrugged with a smile, "But for , informal lending is really not an issue. With anything related to Luohua, people would even pay to do it. I can guarantee that no informal lender would bully you without reason!"
To Liu nglong, Sister Hong seed more profound, but if it were about trust, Feng Jun was more trustworthy. It wasn’t just their four years as classmates; they shared many fellow students.
He smiled and nodded, "Since you, Lao San, say so, then it’s informal lending."
In fact, he still had so confidence in his intelligence, though the term "usury" sounded terrifying, if handled well, it wouldn’t take long, and the interest wouldn’t be that high.
For instance, he could delay repaynt, secure the transportation channels in advance, and ask Feng Jun to settle faster... maybe he could turn it around in a week, with twenty percent profit guaranteed, it’s unlikely he would lose.
Anyway, he resolved to sort everything out before borrowing, reducing risks to the minimum.
Even during negotiations, he could use talents from informal lenders to help fill in gaps, which was easier than handling it alone... The key was to be cautious.
Ultimately, his greatest advantage was Feng Jun valuing the collegial bond. Even if informal lenders were aware of it, trying to cut corners wasn’t possible.
With matters settled, he chatted with Feng Jun about post-graduation experiences, and Feng Jun treated him to dinner, then personally drove him to the mountain gate.
Not far from the mountain gate, there was a taxi parked, and seeing this, Liu nglong couldn’t help but sigh inwardly, how amazing it was to have taxis waiting to pick up passengers in such a remote area—Luohua truly is remarkable.
After getting into the car, he gave the na of a hotel in Baixing Town, daydreaming when he suddenly realized... huh? This didn’t seem like the road to Baixing Town? "Driver, where are you heading?"
The driver didn’t even acknowledge him; the car pulled into a roadside farmhouse. "Alright, get out."
Liu nglong was physically capable but a straightforward person who seldom got into altercations. Although he felt uneasy, he just spoke up from inside the car, "Did you pick up from Luohua, do you know what place that is?"
The driver impatiently glanced at him, "Get out of the car, just squatting there every day, of course, I know what place it is."
The next mont, Liu nglong obediently exited the car because he saw a very beautiful woman who was also familiar.
He had visited the Luohua gate three tis and had been inspected thrice, so he rembered this woman. Others called her "Chief Lin."
Chief Lin spoke expressionlessly, "Mr. Liu, we et again."
"Will it never end?" Liu nglong rolled his eyes helplessly, "You checked going in, and now I have to be checked leaving as well? Or forcibly dragged to a designated spot?"
"Of course, there’s a reason for our actions," Beauty Lin replied without expression, "I just want to ask you a few questions. First, are you sure you want to borrow from usurious funds?"
"It’s informal lending," Liu nglong even began correcting her terms, although until today, he thought the sa.
But Beauty Lin completely ignored his correction, "Have you considered the consequences of being forced into insolvency by usury?"
"Feng Jun said it’s fine," Liu nglong answered earnestly, "We’ve been classmates for four years; he wouldn’t harm ."
"Second question," Beauty Lin continued, "Do you only want to handle the equipnt of those two factories?"
Only then did Liu nglong belatedly realize, "You’ve been eavesdropping on ?"
"Why be so agitated? Feng Jun knows we’re eavesdropping," Beauty Lin wasn’t secretive at all, "Although during dinner, we couldn’t hear your conversation."
"Then there’s no need to know!" Liu nglong flared up, never experiencing such a situation before, thinking, you have the audacity to justify eavesdropping? "Can’t understand, you could ask Feng Jun, why bully , the honest one?"
"Crucially, we can’t bully him," Beauty Lin replied straightforwardly, "So we can only bully you. I advise you not to underestimate our capability, I assure you will regret it... truly."
"What the heck is all this!" Liu nglong was beyond frustrated, thinking of pulling Feng Jun’s weight but... would it be fair to trouble a classmate this way? "What do you want to know?"
"You don’t need to be so angry," Beauty Lin softened seeing him relent, "My second question is: Are you only collaborating with him on these two factories?"
"Of course not," Liu nglong decided not to keep anything hidden, realizing lying was pointless given their dominance. But thinking of how these matters were discussed over dinner, he couldn’t resist asking, "How do you know there’s other cooperation?"
"Because both of you are top scholars from Jiangxia University, your intelligence should suffice," Beauty Lin answered directly, as if it were obvious, "Those who underestimate others’ intelligence have issues with their own... We’re not fools."
Liu nglong thought this reply was indeed right, so he answered candidly, "After these two deals, I can go on to acquire equipnt from other factories to sell to Luohua... mainly to get familiar initially with procedures."
Beauty Lin continued her confident interrogation, "You can acquire second-hand equipnt too, right?"
"You seem to know these things well," Liu nglong gave her a wary glance, "So why ask ?"
"I really don’t know, it’s just calculated," Beauty Lin wouldn’t admit she had more than ten people profiling Feng Jun, analyzing his mindset day in and day out, "We estimate he might buy second-hand equipnt."
"Yes, he buys," Liu nglong beca increasingly exasperated, answering weakly, "But it has to be intact; if damaged, I must repair and refurbish."
"I knew it would be like this," Beauty Lin smiled with satisfaction, "Feng Jun has been pondering over capacity reduction, relocating inferior industries... unwanted equipnt by others can be acquired cheaply, contributing to activating Guojia assets."
Indeed, highly professional! Liu nglong couldn’t help but feel secretly impressed, insight into human nature was astonishingly precise.
In the next mont, he couldn’t help but frown, "I think what he’s doing is good, why are you constantly watching him?"
"No one says he’s doing wrong, he’s doing many good things," Beauty Lin answered without surprise, "But he’s not under our supervision... eliminating outdated capacity, we have plans too."
Liu nglong’s expression finally changed as he realized what he was up against, so he bluntly stated his position.
"You have plans, talk to Feng Jun directly, not . I’m just his classmate, willing to let a bit of business recalling collegial ties. I only want to earn so small money, to lie quietly like a salted fish... Guojia’s major events, I can’t intervene!"
"We’re not asking you to intervene," Beauty Lin finally smiled, displaying brilliant small white teeth shining in the early spring afternoon sun, "We just heard you’re borrowing money? I’d suggest you borrow from Guojia instead."
Though Liu nglong was bookish, he understood this much; he squinted his eyes, "You’re using capital power to manipulate ?"
"I dislike hearing that," Beauty Lin spoke seriously, "Is borrowing from usury random? Certainly, Feng Jun is capable, but dare you borrow carelessly?"
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