Fu Junlin was stunned when he heard this, and said with a smile: "How can we give money first? It's a loan. Do you have any assets that can be used as collateral?"
Lu Yan shook his head, "Nothing!"
Jiang Xiaoya, who was called to accompany her but didn't know how to answer the call, couldn't help laughing when she heard this. She lowered her head and shrugged her shoulders.
Li Fuping asked from the side: "How much does Xiao Lu want to borrow?"
Lu Yan said: "You have to have one million to make it interesting!"
Fu Junlin shook his head, "Without collateral, not to mention 1 million, even 100,000 is unlikely to be lent by anyone!"
Lu Yan said: "In this case, my friend who was willing to lend me 3 million yuan without even using the collateral was really extremely righteous!"
Fu Junlin was stunned when he heard this, and then asked: "Is that friend of yours a female?"
Seeing Lu Yan nodding, Fu Junlin smiled secretly and thought to himself: "You didn't take the collateral, but if you can't pay the money back, you'll have to pay with your body!"
Li Fuping on the side said: "You just relied on borrowed 3 million to make more than 10 million?"
Lu Yan smiled and said: "Yes, otherwise it would be meaningless to make three or five times the profit with my own little money!"
Jiang Xiaoya, who was immersed in eating, froze after hearing the words, and couldn't help but look at Lu Yan several times.
Fu Junlin felt a little itchy after hearing this. Although he knew that this matter sounded strange, but with his old classmate Li Fuping as a guarantee, he didn't expect it to be false. In addition, Lu Yan did have some talent after taking a test just now.
An idea suddenly came to mind.
"Let's do this, Xiao Lu. I'll give you my stock account. There are more than 200,000 yuan in it. I know the rules of valet, it's 30-70, let's get 50-50. I'll give you 30,000 yuan first, you see.
no?"
Lu Yan said: "Mr. Fu is Professor Li's classmate and is also equivalent to my teacher. How can I not believe this? Five-five is fine, just a deposit!"
After a pause, he added: "I know that Mr. Fu has many contacts and abilities. If we can get a loan, the fee will not be small at all."
Fu Junlin took a sip of wine, put down the glass and said, "Well, I'll ask you about it in the next two days!"
After dinner, Li Fuping and Lu Yan walked to school together. The former said: "Isn't the risk of borrowing money to speculate in stocks not too great?"
Lu Yan slowed down and said: "Opportunities are rare in a person's life. There are many opportunities that can make people fly into the sky. Once they miss it, it will take five or six years to encounter the next one. I don't know if I can seize the opportunity. I believe this is
My opportunity, so I am bolder!"
Li Fuping asked: "Does Xiao Lu have the habit of playing cards?"
Lu Yan smiled: "I know what the teacher means, but I really never gamble. Even when I was at home during the Chinese New Year, I never played poker and mahjong for a few cents or a few dollars!"
Li Fuping said: "Then why?"
"Because I don't like that feeling of uncertainty. For others, it may be a kind of excitement that can make people's hearts beat faster, but I don't like it. I just like to have a chance to win!"
On a summer afternoon, Lu Yan was not drunk after drinking a little wine. He felt just right dizzy. Walking on the picturesque and sunny campus, he was filled with pride and no longer tried to hide himself as before.
"There has never been a real stock god in China's securities market!" Li Fuping advised again.
Lu Yan smiled, I know that my goal has never been to be a stock god, I just want to make as much money as possible!"
…
The next day, Fu Junlin called and invited Lu Yan to his company.
In an office building not far from Yangda University, Lu Yan entered Fuzhuang Asset Management Company.
Speaking of which, most of these companies are trying to sell dog meat. On the surface, they issue some fund financial products, but in fact they create a fund pool, get the money out through various financial products, and then use it to lend small loans.
Businesses such as loans.
Once the money cannot be recovered and the capital chain is broken, the boss will either run away or be caught, and then it will become a so-called investment fraud case.
Investors will basically never get back the money they lose.
At the front desk of the company, Jiang Xiaoya saw Lu Yan come in and hurriedly stood up and said: "Mr. Fu is on the third floor, I will take you there!" Lu Yan said thank you and followed behind.
It is said that this girl is not very old, she looks like she is in her early 20s, and she probably just graduated from college.
He looks pretty good, of medium height, and wears a pair of seven- to eight-centimeter high heels, making him sway gracefully when he walks.
"You really make so much money from stock trading?" The girl looked curious.
When eating yesterday, she couldn't get a word in when Lu Yan and others were talking. She went back and thought about it for half the night. Now that she would meet him, she didn't want to miss it easily.
"yes!"
"Wow, you are so awesome, can you teach me!"
"If you want to learn, fine, I'll teach you!"
"What's your QQ and mobile phone number?" The man quickly took out a Sony Ericsson mobile phone and stopped to ask for Lu Yan's contact information.
After changing, Lu Yan entered Fu Junlin's office and saw him wearing a light-colored T-shirt that was not very eye-catching, sitting in front of the tea table, making Pu'er.
To be honest, he doesn't look like a rich man in terms of dressing and grooming. The car he drives is also ordinary, just a Passat, not a luxury car.
"Sit down, Xiaolu, try my Pu'er!"
Lu Yan sat down, took a sip from the small tea bowl, looked around again, and said with a smile, "Mr. Fu is quite carefree!"
Fu Junlin hurriedly waved his hands and said: "Xiaoyao, business is not easy to do! It's you who earned six to seven million casually, which is enviable!"
Lu Yan smiled: "There are risks too!"
Fu Junlin was confused: "Then you still plan to borrow money to speculate?"
"I wonder if Mr. Fu has ever heard of this. Those who understand the trend make a lot of money. When a storm comes, pigs can fly. When the tide goes out, you will know who is swimming naked!"
When Lu Yan was working as a securities broker, he discovered a very interesting phenomenon. In the bull market from 2005 to 2007, most of the old investors were out of the market early and could not make much money.
On the contrary, those investors who were brave enough to enter the stock market for the first time made a lot of money. Of course, when the price dropped from 6124, the fall was also particularly painful.
"This analogy is interesting, but borrowing money is really difficult! Those who dare to lend unsecured or guaranteed large loans these days have some power and tricks, and the interest rates are very high. You are Lao Li's student, I can't
Trick you!
If you want me to say, help me speculate for a while. If you really have three to five times the income, then show our stock records to those people, but you are not looking for funds, but the funds are looking for you!
"
Lu Yan thought to himself: "You have made a good calculation, and you want to triple the 200,000 yuan!"
But he said: "Okay, but for the 50-50 split of the income, you have to write a receipt, and it has to be accrued on a monthly basis!"
Fu Junlin looked a little unhappy, "Xiao Lu can't trust me so much?"
Lu Yan smiled and said, "It's not that I can't trust him, but I'm a brother who wants to settle the score. Let's settle it first, and then we won't mess up!"
He has never done financial management on behalf of clients before, but a colleague has done this. During the bull market from 2005 to 2007, he first helped a client earn nearly two million. Then he lost some money in 2008, and the client directly changed his trading password.