Just as Yu Zhiming was about to open his mouth, I quickly raised my index finger to my lips, made a gesture of silence, and then calmed down and said to Brother Dian, "Brother Dian, it's really rude to interrupt you when we first meet. It doesn't matter who I am. You just need to know that I am a representative sent by General Committee Lin."
Brother Dian looked at me with a fierce look in his eyes. He snorted and said, "Since he was sent by his sister, it's a coincidence. Let me ask you, when will he pay me back the money he owes me?"
I responded calmly and methodically, "It is right to pay back debts. But..." At this point, I deliberately dragged out the last syllable, paused for a moment, and looked up to observe Brother Dian's reaction.
As expected, Dian Ge's short and thick eyebrows instantly stood up, and a trace of anger flashed in his eyes: "What do you mean by this?"
I continued calmly, "But we need to first figure out what kind of money this is and whether it should really be repaid."
As soon as I finished speaking, the burly man behind me suddenly became furious, rolled up his sleeves, and was about to rush over to attack me.
Dian Ge's face darkened and he shouted sternly, "Back off!" His voice was like a loud bell, echoing in the room.
The sturdy man shuddered and retreated obediently behind Brother Dian.
Brother Dian lowered his head and admired his hands leisurely. His tone was as calm as a deep pool: "Boss Lin is also a businessman who has been working in the business world for many years. Since he sent you here, you must have seen the world. The debt between me and Boss Yu is evidenced by a written agreement. Even if we go to court, we can't deny the money. You have no objection to this, right?"
Having said that, Dian Ge suddenly raised his head, his eyes sharp as torches, and looked at Yu Zhiming fiercely. The air was filled with a tense atmosphere.
I looked at him levelly, neither servile nor arrogant, and said, "I have no objection to this. Every time you combine the interest with the principal and re-sign the agreement, the operation is not complicated. But no matter how clever you pretend, in essence, this is a usury act of compounding interest."
A trace of displeasure flashed across Dian Ge's face, and he snorted heavily: "Brother, don't talk so harshly! This compound interest, interest on interest, is really fucking ugly. Do you think I'm Huang Shiren!"
I didn't back down and sneered, "In my opinion, you are worse than Huang Shiren. Yu Zhiming has already paid you back 50 million when you borrowed 30 million. Now he wants to pay you back 100 million. Huang Shiren might not be as cruel as you."
This completely infuriated Brother Dian. His eyes widened and he slammed the table. "Did I beg him to borrow money? Or did I force him? If you want to borrow money from me, you have to abide by my rules! Stop talking nonsense. When will you pay me back? If you dare to bully me, don't blame my brothers for being rude!"
As soon as he finished speaking, the burly man behind him understood what he meant and snorted coldly at the right time. His voice was low and threatening. For a moment, the room was so quiet that you could hear a pin drop.
Sensing that the time was ripe, I deliberately slowed down my tone to make it sound gentler: "Brother Dian, I heard that before you got involved in the financial industry, you made your fortune by running a warehouse?"
Brother Dian tilted his neck, his eyes full of disdain, stabbing at me like a sword: "What? Are you investigating my past and trying to threaten me? Otherwise, I'll write you my address, and I'll wait for you at home with my wife and children, to see if you have the guts to pee!"
I looked calm and smiled faintly: "Brother Dian, you misunderstood me. I think you keenly captured the business opportunities at a specific stage of social development, and acted decisively to do business that others could not think of or dare to do. This vision and courage are worthy of my admiration."
Dian Ge was stunned for a moment, as if he didn't expect me to say that, then he raised his head and laughed: "Good fellow, you're trying to use the trick of first suppressing and then praising me? You want to fool me with a magic potion? Brother, don't waste your energy, I won't be fooled by soft or hard tactics. Even if you praise me as the Jade Emperor today, the 100 million he owes me is definitely not less!"
I kept smiling and said sincerely, "Brother Dian, your knowledge is far beyond that of ordinary people. I never praise others easily. If I want to praise someone, it must be a true hero that I sincerely admire."
I don't know if these words had any effect, but at this moment, Dian Ge's face unconsciously revealed a hint of pride, but he pretended to be humble: "He is just a grassroots hero, not worth mentioning."
Seeing this, I asked directly: "Brother Dian, I won't beat around the bush. I have a feasible plan for you to consider."
Brother Dian immediately put away his careless expression, straightened his back, and said seriously: "Brother, from the moment you opened your mouth, I knew you were not an ordinary person. Since you have a good idea, I would like to hear it."
I raised the topic clearly and logically: "Brother Dian, Yu Zhiming owes you 30 million, and he has already paid you 50 million. Do you admit this?"
Brother Dian nodded without hesitation and said in a loud voice: "I admit it, the accounts are clear."
I then asked, "According to your existing agreement, Yu Zhiming will have to pay you another 100 million in a few years, right?"
Brother Dian grinned and said, "Yes, the agreement is written in black and white."
I took a deep breath and said slowly: "At present, with Mr. Lin's current financial strength, he only needs to repay 30 million first. As for the rest..."
Brother Dian waved his hand and said firmly, "Stop! Not a cent less, no negotiation!"
I continued calmly, "Brother Dian, please listen to me first. For the remaining 70 million, you can convert your debt into equity..."
Before I could finish my words, Brother Dian frowned and interrupted me impatiently: "Don't talk nonsense! The small business they run won't make much money even if they work so hard. I'm not interested. This plan won't work!"
I smiled mysteriously and said, "Brother Dian, how can you be sure that you will be asked to buy shares in Mr. Lin's existing industry? What if there is a new company that is highly related to the financial industry you are currently engaged in?"
Dian Ge's eyes lit up instantly, and he asked anxiously, "Finance? Are you planning to open a bank?"
I shook my head first, then nodded: "How can it be that easy to open a bank? But the operating model of this business is very similar to that of a bank."
Brother Dian became interested and leaned forward: "Tell me about it!"
I patiently explained: "Brother Dian, have you heard of IT? Or P2P finance?"
Brother Dian looked puzzled and repeated, "Getting kicked? Fart picture fart? What the hell is this?"
I smiled and explained: "To put it simply, P2P finance is a small amount of lending business carried out with the help of information technology and relying on the Internet platform. It connects borrowers and investors and is a type of Internet finance. The biggest feature is person-to-person transactions. The platform only acts as an information intermediary, bringing the two parties together to reach a transaction and then charging an intermediary fee."
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