Chapter 233 Lending Out a Bright Future (2)

Changqing slept for a day.

By evening, he had recovered somewhat and cooked himself some porridge.

After eating.

He turned on his phone.

Dozens of text messages demanding payment popped up.

Some tried to reason with people and talk about the law, some threatened them, some started cursing directly, and some even said they would come to their door. The styles were diverse.

Changqing carefully examined it.

The conclusion is that GouCui is really low-class. He can only threaten and curse with some skill. When it comes to reasoning and citing the law, he makes it all up and can't cite a single decent legal provision.

He checked the records and found that the original owner had replied to many such text messages before, requesting leniency.

"Looks like he was frightened."

It's not surprising. Anyone who hasn't experienced something like this would be terrified. The original owner worked in a hospital right after graduating from university, so she hadn't experienced enough.

Changqing remained completely unmoved upon seeing all this.

Just then, my phone rang.

Changqing's face darkened as he looked at the name displayed on his phone.

Zhao Yong!

This was the classmate who dragged him into the business; moreover, the two were deskmates in high school, making them one of the few people he was relatively familiar with.

The two ran an electronics trading company because Zhao Yong had reportedly worked in sales for a large company and had established distribution channels.

The result was that the losses happened very quickly.

Very fast!

The investment is quite large; you also need to find a venue, rent office space, and hire people...

Changqing recalled the whole process and felt that everything about it was abnormal.

The two of them did not have their own factory, and what they did was act as middlemen. These small trading companies usually try to save money wherever possible. Some even have just a counter, while others work from home. They only consider renting a place after their business has grown.

pit!

This is a trap!

Changqing answered the phone, and Zhao Yong's voice came from the other end.

"Old Ning, are you still in Rongcheng? I'm back tomorrow. Want to get together sometime? I have another great idea that's guaranteed to make money!"

Rongcheng is the provincial capital, more than 200 kilometers away from my hometown. After resigning from my job, I started my own business here. It's by the sea and has a port, which is said to be convenient for doing foreign trade.

Upon hearing this, Changqing gave a wry smile, "Brother, from our last startup, I still owe 200,000 yuan in online loans, and I'm worried sick about it now."

Zhao Yong's laughter came through the phone.

"What's the big deal, Lao Ning? You're just inexperienced. Two hundred thousand is nothing? If the business succeeds, it'll be tens of millions a year. What's one failure? It's all about accumulating experience. Successful entrepreneurs didn't have smooth sailing. Bill Gates also went through many ups and downs. In the early days of Mahuateng, they almost had to sell their main product..."

He not only made empty promises, but also cited several examples.

Changqing remained silent for a moment.

Most of these examples are from other people's autobiographies. Every successful entrepreneur will tell a story of the hardships of starting a business after they succeed. Of course, the ending is that they overcame the difficulties by relying on luck, intelligence and perseverance. But in fact, it is not that simple.

Bill Gates' mother was the chair of the executive council of the United Way of America and had a close relationship with IBM CEO John Ex. She was also the first female executive at First Interstate Bank. Her status was quite extraordinary. How could she not provide support for her son's entrepreneurial venture?

Changqing: "Old Zhao, I remember you also took out an online loan. What? The debt collectors haven't contacted you?"

He remembered that after the money they invested was spent, the original owner intended to withdraw, but Zhao Yong persuaded him to stay, saying that the most important thing in starting a business is perseverance. He even dragged him into taking out online loans. Now, he's about to expose everyone's contacts, but the other side seems to be doing nothing.

Zhao Yong was taken aback by Changqing's sudden question. He stammered for a moment before finally saying, "I... I borrowed money from a friend and paid it back."

Haha, my friend paid off the loan.

Changqing sneered inwardly.

The system had already told him that behind all of the original owner's experiences, there was that woman's shadow. She just held a grudge against the original owner for no reason. The medical dispute was orchestrated by her, as was her later business venture. Even the several online lending platforms she borrowed from were actually run by her husband's company.

Zhao Yong was either hired to do something, or he was simply a loan shark. The money he borrowed was probably wiped out directly by the system.

This is a complete scam.

Perhaps worried that Changqing would feel unfairly treated, Zhao Yong quickly added, "You have to pay back your friends' money too. I'm in debt too. Besides, online loans aren't a big deal. Didn't they say online that maybe one day the online lending company will go bankrupt and you won't have to pay them back?"

"Isn't there a saying that goes, 'Why should you pay back money you borrowed through your own ability'?"

Changqing nodded: "What you said makes sense. I was worried before, but it seems that I don't have to pay back the 200,000."

Zhao Yong: "?"

"Well, I was just kidding. Not paying back online loans will affect your credit score, which will be bad for your future development. But it's not a big deal. Once we succeed in our business, we'll pay off those online loans in no time."

"You don't want to be unable to take the train anymore when you go out, do you?"

It seems he's genuinely worried that Changqing won't pay back the money.

Changqing laughed, "Old Zhao, what are you saying? I've always valued my reputation. I don't want my contact list exposed. If debt collectors come to the village, how can I face anyone?"

Zhao Yong breathed a sigh of relief and quickly said, "That's right, I heard that those debt collectors will call the village committee, which is very troublesome. If you can make ends meet, you should pay it back first."

Changqing readily agreed.

However, he immediately made a request, "Hey Lao Zhao, let's talk about starting a business when you get here. Right now, could you lend me some money? I'm completely broke right now, I have to pay rent and live on..."

ah?

The other person was clearly stunned for a moment, obviously not expecting that this classmate, who was always shy about asking others for money, would borrow money.

How much do you want to borrow?

"Twenty thousand!"

“I want to pay off part of the online loans first, otherwise, with you nagging me every day, I won’t be able to focus on starting a business with you,” Changqing explained.

The original owner never asked anyone for money; he was used to bearing it all himself. But Changqing was different. He asked people for money without any burden, and he would ask for an exorbitant amount.

Zhao Yong didn't react for a moment. "I... I don't have that many either."

Changqing laughed, "Old Zhao, that's not being a good friend. You were just talking about starting a business, what? You can't even come up with 20,000 yuan? You don't want to lend it to me, do you?"

"No, that's not how it is," Zhao Yong quickly explained. "Wait a minute, let me think of something."

He hung up the phone in a hurry.

Half an hour later, Zhao Yong actually transferred 20,000 yuan, and specifically instructed Changqing to pay off the online loan first.

Will Changqing repay it?

Of course not!

He knew perfectly well that the money wasn't paid by Zhao Yong himself.

However, since someone was willing to use money as bait to get him into bigger trouble, he certainly didn't hold back.

In short:

Why should money borrowed through one's own abilities be repaid?