When Lin Miao, who lost two pounds after the New Year, was carried into the living room by Xiaomei, Guo Heling was watching the news broadcast.

Xiaomei happily put Lin Miao next to Guo Heling, Guo Heling reached out and touched Lin Miao's head, then turned her head again, continued to finish reading the news, and waited until the ending song sounded before she stood up and nodded to Jiang Yang and Wang Bin, who had been standing. Jiang Yang knew Guo Heling's identity, and said hello very respectfully. Guo Heling smiled and asked Xiaomei to greet the guests, while he took Lin Miao's hand, held a cane in one hand, walked out of the house slowly, and walked towards the study on the second floor of the small wooden building in the backyard.

The master and apprentice went upstairs, Guo Heling pushed open the door, turned on the light, with a little smile in his eyes, and said with a slightly serious expression: "Why don't you study hard at home?

"Hmm...... Before it causes bad consequences, it is not a disaster. Lin Miao neither admitted nor denied it.

"Little slippery head, I'm still hiding it. Your dad didn't come to me for such a big deal last year, and today he suddenly came over like this, and I still think you're poking out some big hole. But your Dongou City is also interesting, you can make your little guy jump up and down, and make the wind and rain like this. Is it because you are too capable of tossing, or is your city too indulgent to you, or is it that the family really can't control you?" Guo Heling spit out, sat down slowly, and pointed to the sofa next to him, "Sit down, tell me what's wrong?"

Lin Miao sat down with a smile, propped her hands on the edge of the sofa, and said casually: "I borrowed 200 million from the bank the day before yesterday." ”

Guo Heling's expression changed suddenly, and he stared at Lin Miao for a long time before he was shocked: "How much?"

Lin Miao repeated: "Two hundred million, nine digits, two followed by eight zeros, ten trillion to get billions of billions." ”

Guo Heling listened to Mao directly, looked at Lin Miao's hippie smile and didn't take it seriously, leaned on crutches on the floor a little, and asked in surprise: "Why did you get so much money out? How did you get a loan?"

"Master, don't blame me this time, it was they who made the first move. Lin Miao looked innocent, and told Guo Heling about the Dongou Rural Credit Cooperative, the fact that President Zhou of the CCB inexplicably sent someone to take Lin Guoling to him to touch porcelain, and the things that "Lin Miao Time" launched.

After Guo Heling heard this, the shock in his eyes disappeared, but he frowned and said, "Listening to you, it seems that someone wants to trap you?"

"Yes!" Lin Miao shouted, "I know what the situation of the rural credit cooperatives in our city is. At present, the local bosses in Dongou City have basically all been made to a large scale, and the channels are very stable and the funds are abundant, regardless of export or domestic sales, and they would rather borrow from each other in small circles than ask for money from the banks to save interest!

Those who reach out to borrow money from credit cooperatives are those who have no money at home and want to learn from others to run a business, and credit cooperatives lend out this kind of money, even if they can recover it, it will take a long time, and many of them can't even collect it at all. Peasants who have a little money do not dare to deposit money in credit cooperatives now, and if they do, they do so in big banks. Dongou Rural Credit Cooperatives are now having difficulty absorbing reserves at a fixed interest rate of 4.5 for half a year, and it is estimated that they will collapse in minutes if someone guides them to run on it. ”

Guo Heling silently listened to Lin Miao's words, and asked in a deep voice: "Since you know that there is a problem here, why do you still agree to lend out the money? Aren't you asking for trouble for yourself?"

"So I only put five million into the cooperative's account, and the rest is still here. Lin Miao took out the passbook and waved it twice in front of Guo Heling, "195 million, I am now the most indebted minor in contemporary China." ”

Guo Heling sneered: "Contemporary?"

"Well, contemporary. Lin Miao put the passbook back in his schoolbag and said seriously, "Some of the underage emperors may be in a worse situation than me, I have such a big age advantage, but I am not sure that I am the first in history in the matter of debt, it is a pity." ”

Guo Heling clenched his crutches and wanted to use force, but he was always a well-cultivated old man, and he exhaled and said, "What are you going to do with this money?"

Lin Miao said simply: "Speculate on stocks." ”

"Nonsense!" Guo Heling was really a little angry now, "It's okay if you are naughty, but if these two hundred million are taken out of the bank, it will be not only the people's money, but also the country's money." Is it so easy to make money in the stock market? What if you lose all of it? If you lose money, and others make a fuss about where your money came from, what will you do in the future?"

"Master, don't be angry yet, I have a plan for all the situations you mentioned. Lin Miao looked calm.

Seeing that Lin Miao was not afraid of boiling water, Guo Heling temporarily put away his temper and gave Lin Miao a chance to speak: "What plan?"

Lin Miao said calmly: "I told the president of the credit union that I would put five million into the credit union account every month in the future. ”

Guo Heling was stunned and asked rhetorically, "What kind of plan is this?"

Lin Miao explained: "It's very simple, I can lend out this loan, the original name is to quench the thirst of the credit union, give five million a month, at most, the operation is not in place, as long as I can ensure that the two hundred million funds can be in place after dozens of months, the procedure will avoid the illegal to the greatest extent, and I have the "Law on the Protection of Minors" to protect the body, I am afraid of breaking the law?"

First, I didn't borrow money and didn't repay it, second, I didn't abscond with money, and third, I didn't use money maliciously, and the procedure deviated a little bit, who can hold me accountable for my negligence? Not only did I not be negligent, I also saved the credit union, I also let CCB earn millions of interest for nothing, and I also made the quality of life of CCB's leaders and handlers take a big step forward......

"Wait a minute!" Guo Heling asked, "You said you gave them ......"

"Hmm!" Lin Miao admitted calmly, "I agreed verbally, but I have to wait for my manuscript fee commission next month to cash in, and the operation can't be so direct." ”

Guo Heling couldn't help it, stomped on his crutches, stood up and shouted: "Mess up! You have this money, I'll find someone to tell your bank over there, and let them put it back where they should put it!"

Lin Miao said lightly: "Master, you calm down." I now earn tens of millions of dollars a month, and I have tens of millions of ways to take out loans, even if they don't come to me, I'm planning to go to them this month. This time, at most, someone handed me a pillow if I wanted to sleep, and I originally only planned to borrow 20 million yuan, but I didn't expect them to give 200 million directly. ”

Guo Heling stomped his feet when he heard this: "What the hell do you want to do? Random speculation is going to harm yourself!"

"I'm not speculating. Lin Miao stared at Guo Heling and said, "Master, this time I have a planned and step-by-step speculation, and I promise that I will not harm the interests of the country, at most, the means are a little ugly." I came to you today, firstly, I want you to help me find a reliable trader, and secondly, I want you to know that there is nothing I can't see about this matter. Even if there are a few places where the operation is not reasonable, there are ways to make these things not illegal. ”

Guo Heling said in a deep voice: "What thoughts?"

Lin Miao thought about it, but swallowed the words and said, "Forget it, I still won't say it." The great truth of the world is nonsense when I say it, I just need to count it myself. Let's be practical. You said that if the credit union goes bankrupt, my 200 million yuan will not be able to be withdrawn, and I will directly convert debt into equity, is there any drama in this operation?"

Guo Heling stared at Lin Miao, his eyes full of uncertainty: "Your purpose is that credit union?"

"Credit unions are just a tool. Lin Miao gestured, "I look at the next twenty years, a very big game of chess, if you are lucky, the total market value should be hundreds of billions...... Dollar. ”