Joe Ruinian's home.

"Shuqin, I left you 30,000 yuan for living expenses and put it on the shoe cabinet. Qiao Ruinian stood at the door, while changing his shoes, he shouted in the direction of the kitchen, Qiao Ruinian because he went to sea all the year round when he was young, his skin was dark, and he had to be at least fifty years old just by looking at his face, in fact, he was just forty-two years old after the New Year this year.

"Old Joe, you're back, just stay and eat before leaving. Qiao Ruinian's wife heard the shout, walked out of the kitchen, and patted her hands covered with flour: "At noon, I will wrap you dumplings with shrimp crawler filling." ”

"Forget it, don't eat it, I'm venturing back today just to see you and the child. Qiao Ruinian glanced at the wall clock on the wall and waved his hand: "If that group of people who want to pay accounts come to the house again, you can show them the divorce procedures of the two of us, and if they make trouble, you will call the police." ”

"You've been hiding like this, when did you become a head?" the wife sighed, her eyes sad: "If you go home like a thief during the New Year, you have to go home like a thief." ”

"Wait two years, and when I recover, pay off the outside accounts, and it'll be fine. Qiao Ruinian explained vaguely.

"Wait, I'll let the child meet you. The wife gestured and walked towards the bedroom.

"Forget it, let him sleep, and I'll come back to see you two when I'm free." Qiao Ruinian raised his hand in the air, stopped his wife, glanced at the direction of his son's bedroom with a little reluctance, and then turned around and opened the door.

"Bang dang!"

Qiao Ruinian had just opened the door a crack when a big strong hand put it on the side of the door and pulled it open.

"Hulala!"

After the door opened, Zhang Xing and Yang Dong and others walked into the house collectively.

"Xiao, Xiaoxing, why are you here?" Qiao Ruinian stood at the door, and was stunned when he saw Zhang Xing, who took the lead in entering the door.

"Hehe, isn't this the New Year, I'm here to give you a New Year's greeting, Happy New Year, Brother Qiao!" Zhang Xing looked at Qiao Ruinian and responded with a smile.

"Xiao Xing, listen to me explain to you, the matter of that money ......" Qiao Ruinian glanced at his wife with a pale face, and then looked at Zhang Xing's group, his face was tangled and ready to speak.

"Brother Qiao, you don't need to explain, who are you, I know in my heart, who am I, you also know in your heart, since you can guess what I came here for, then let's not talk darkly. Zhang Xing waved his hand to interrupt Qiao Ruinian's words, took out a copy of an IOU from his handbag, and shook it in front of Qiao Ruinian's eyes: "One million and four hundred thousand arrears, you pay back the money, I will turn around and leave, your family will continue to make dumplings, and I will also go home for a good year, okay." ”

"Xiaoxing, I don't have any money in my hand now. Qiao Ruinian put on a bitter gourd face and sighed: "In the summer of the year before last, someone asked me to partner in opening a mine in Inner M, but after I invested the money, I knew that this was a trap, I don't hide it from you, I owe more than your family's money now, my loans outside have added up to more than 40 million." ”

"Old Qiao, we don't do an information census, so how much money you owe outside, it has nothing to do with us, what we care about is when you can return our accounts, because of this arrears, you have been hiding from us for more than a year, so you will definitely not be able to send me away today with a few words, this money, you have to return it anyway, understand!" Zhang Xing has been asking for accounts for many years, and he has already cultivated the ability to be unkind, and he will not give Qiao Ruinian a chance to complain.

"Xiaoxing, don't worry, I, Qiao Ruinian, am not the kind of person who owes money and doesn't pay it back, although the principal I owe has never been repaid, but haven't I ever owed you interest, you let me go for a while, as long as I cross this hurdle, I will definitely pay you back your money first, okay?" Qiao Ruinian begged bitterly.

"Old Joe, when I was looking for you last summer, you asked me to give you a month, I believed you, but you ran for more than half a year, and today you let me give you a chance, do you think I can still believe you?" Zhang Xing's tone was unwavering: "When you said that your business was in trouble, we helped you, and even when you took the money away, we didn't even deduct the interest for the first month, and we asked you to take the money away in full, but I lent you a chicken to lay eggs, you can't stew my chicken, right?" You say, 'Is this beyond?'

Qiao Ruinian was speechless.

"Old Qiao, your account can't be repaid, then I'll help you come up with an idea, don't you have two boats mortgaged to us, then I'll take a stubble and help you sell the boat." Zhang Xing continued to speak.

"Xiaoxing, I can't sell this boat no matter what. When Qiao Ruinian heard this, his breath suddenly stagnated: "Now the more than 40 million I owe outside, the annual interest is nearly 4 million, all of them point to the four or five boats in my hand to earn interest, and now I pay the interest on a monthly basis, and those debt collectors outside will not force me to death, if my capital chain is broken, they will not have to pick my skin!"

"Old Qiao, when you borrowed money from us, it was to make money with money, and we lent you money, naturally it will not be for poverty alleviation, when you opened your mouth with us, we gave you the money without much effort, and now it is your turn, don't embarrass us, you also know, I am an errand runner, I don't count your business, if you have any ideas, go back to the company with me and explain to Brother Fang in person." Zhang Xing's tone was a little impatient, as if he was giving an ultimatum: "After all, we have known each other, and it doesn't look good to tear your face, what do you say?"

"Xiaoxing, I am indeed a little sorry for you in this matter, but I also have my difficulties, you can understand me, let me slow down, as long as I ......"

"Oh, what nonsense are you talking about, tell you to leave, didn't you hear!" Luo Han stood next to him, and after glancing at the slightly luxurious decoration of Qiao Ruinian's house, his first impression imagined him as the kind of old man who maliciously dragged the money, and he had no patience at all to let Lao Qiao continue to speak, and directly grabbed his collar: "Go!"

"Old Joe!" Qiao Ruinian's wife saw that Luo Han had already touched Qiao Ruinian's toes to the ground, and subconsciously prepared to drag the person back.

"Bang!"

Zhang Xing saw Qiao Ruinian's wife's movements, and put a pestle on her shoulder, pushing her back a step.

"Bang dang!"

Just when everyone was noisy, the door of the next bedroom was opened, and then Qiao Rui's eighteen-year-old son saw the scene in the room, reflexively ran back into the house, and in less than three seconds, he rushed out of the door with a machete: "you, you let go of my dad!"

"Little rabbit, you want to play with a knife, don't you!" Liu Yue and Zhang Ao saw Qiao Ruinian's son's actions, and they all pulled out the big circlip they were carrying.

"Okay! stop!" Qiao Ruinian was carried to the door by Luohan, and saw Liu Yue and them pulling out knives behind everyone, and immediately shouted, he knew Bi Fang's methods in this area, and he also knew that these people took out knives and came out, definitely not to scare people, after stopping everyone, Qiao Ruinian turned his head to look at Zhang Xing: "Xiaoxing, we didn't have any enmity before, don't toss my family." ”

Zhang Xing smiled when he heard this: "Hehe, Brother Qiao, as long as you cooperate with me, I will definitely not cause you trouble." ”

"Shuqin, I'll go with them, it's fine. After listening to Zhang Xing's words, Qiao Ruinian looked at his wife and squeezed out a smile that was more ugly than crying.

"Old Qiao......" Qiao Ruinian's wife suddenly burst into tears.

"It's okay, Lao Bi is a reasonable person, he won't do anything to me. Qiao Ruinian opened his mouth to comfort.

"Let's go!" Zhang Xing shook his hand, and everyone retreated outside the door.

"Dad!" Qiao Ruinian's son stepped forward with a knife, furious.

"Shut up!" Qiao Ruinian turned his head and scolded angrily: "You don't study hard all day long, what's going on with that knife, you wait for me to come back and clean up your ......"

Before Qiao Ruinian could speak, he had already been taken out of the door, and then everyone returned to the car and left quickly.

......

Half an hour later, Yang Dong, Zhang Xing and others collectively rushed back to Fangcheng Consignment Shop, and when they entered the door, Bi Fang had already returned to the company.

"Happy New Year, Brother Bi. After Yang Dong entered the door, he took the lead in saying hello to Bi Fang.

"Well, you kid still knows that you have come to pay New Year's greetings to me, so you have a conscience. Bi Fang smiled when he heard this, and then glanced at Qiao Ruinian, who was escorted into the house by Zhang Xing: "Old Qiao, it's good to celebrate the New Year." ”

"Lao Bi, I'm ......" Qiao Ruinian's face was gloomy, and he was angry for a while.

"Come, sit down and talk. Bi Fang pointed to the sofa next to him and took the lead to sit on the side, and then Bi Fang's driver Lu Wenhong also began to squat on the side of the coffee table and began to tinker with the tea set.

"Since you took the money from me the summer before last, the two of us haven't seen each other for almost two years, right?" Bi Fang asked Qiao Ruinian with a smile.

"Lao Bi, I have indeed encountered some problems in terms of capital turnover, if you give me some more time, I will definitely return this money to you, okay." Qiao Ruinian sat on the sofa with half of his buttocks, making a final plea to Bi Fang.

"Old Qiao, today's matter, it's not that I'm deliberately embarrassing you, but since you signed the contract, you have to abide by the above rules, your money has been overdue for more than eight months, during this period, you can't get through the phone, no one can find it, you haven't given me a clear attitude from beginning to end, how can you let me forgive you?" Bi Fang looked at Qiao Ruinian with a serious expression: "Today Xiaoxing found you, I still have a chance to talk to you, if Xiaoxing is empty, when do you want me to find you?"

Qiao Ruinian lowered his head, ashamed.

"Old Joe, the two of us have been friends for many years, I lent you the money, I really didn't want you to have this interest, but I really wanted to pull you, but your approach made me feel cold, you are not kind to me, but I can't be unjust. Bi Fang paused for a moment and continued to speak: "Your money, it stands to reason that it should have been returned from last summer, but you have been delayed until now, and your old Joe still has a conscience, and he has always repaid the interest, so let's do it, for more than seven months, a total of 240,000 interest, I don't want it, just when you repay the principal, you borrowed 1.4 million from me at the beginning, as long as you can make up the remaining 1.16 million today, between the two of us, you can settle the account." ”

"Lao Bi, I don't want to pay back your money, but I really don't have so much money in my hand. Qiao Ruinian lowered his head in response.

"If you don't have the money, let's sell the collateral. Bi Fang looked directly at Qiao Ruinian: "According to the rules of this industry, if you can't pay the money, then I should take as much as the collateral sells, but I still said just now, I lent you the money to help you, so I don't do things perfectly, the two ships you bet on me, I found someone to estimate the value, about one hundred and eighteen, after these two ships are sold, I will deduct the money you owe me, the extra 640,000, I will let you take it." ”

“...... The boat, do you have to sell it?" Qiao Ruinian listened to the conditions offered by Fang, and he could no longer defend it.

"Old Joe, the reason why I have made so many concessions is because you and I are still friends. Bi Fang replied softly.

"In that case, let's sell it. ”

Qiao Ruinian saw that Bi Fang had already said so deadly, so he threw down a sentence decadently, and then leaned back on the sofa in a distraction.

......

In the interval between Bi Fang and Qiao Ruinian chatting, Yang Dong lit a cigarette, walked to the bathroom, and after peeing, he stood at the window and was distracted.

"Dongzi, I'll discuss something with you. Lin Tianchi stood beside Yang Dong.

"I'm looking for you, too. Yang Dong saw Lin Tianchi speak, and responded with a smile: "What you want to say is about the ship, right?"

"What, are you also interested in this matter?" Lin Tianchi heard this, his eyes suddenly lit up, and he said softly: "As the saying goes, relying on the mountains to eat the mountains, relying on the sea to eat the sea, I think that it should be a way out for us to take down these two fishing boats." ”

According to Qiao Ruinian, he now owes a lot of messy loans, and the interest alone adds up to more than four million yuan a year, and these interests are all supported by the five fishing boats in his hands, and on average, the annual profit of each boat is at least 800,000. Yang Dong paused: "The word "fishing profit" has existed since ancient times, and we rely on the sea to eat the sea, this way is really good, looking at the attitude of Brother Bi and Qiao Ruinian's dialogue, these two boats must be sold, so if we talk to Brother Bi, it should not be difficult to take the boat down." ”

"The only problem now is that the money in our hands is still a little worse, and the valuation that Brother Bi gave to Qiao Ruinian for the two boats is worth at least 1.8 million, but in our hands, it is only about 110000. Lin Tianchi licked his lips in response.

"I've already thought about this, we can first use a million to get the boat in good condition into our name, and then use this boat to go to the bank for mortgage, and then use the loan money to buy the other boat. Yang Dong responded logically and clearly.

"Well, it works. Lin Tianchi thought for a while, and then nodded in agreement, recently, they have been worried about business matters, and at this time they found an industry that can operate, the two looked at each other and smiled, and quickly reached a consensus.

[PS: This chapter is 4,000 words.] 】