According to Fu Fangchen, some banks in the United States do have this kind of loan, but for such loan applications, the review will be very strict, and if the application amount is huge, several people with a certain social status are needed to introduce them.

Fu Fangchen has the experience of working on Wall Street, and there are some friends in the financial world there who can help.

In addition, the interest rate of such a loan is also very high, but the repayment period is very short, generally only one to two years, and when the deadline is reached, it has to be repaid to the bank with principal and interest.

"Ms. Fu, are you planning to invest your entire net worth in?"

Hearing that Fu Fangchen had also raised a huge amount of 100 million yuan, Fang Tianyu was a little surprised. If she has a considerable status in the Fu family, this 100 million yuan is not a very large amount for her.

But Fang Tianwu had already learned about Fu Fangchen's experience from Gu Qianfan, as the only remaining bloodline in Fu Jing'an's house, after Fu Jing'an's death, she had lost her greatest support in the Fu family.

Fu Jiaming's father and son regarded her as a thorn in their side, and they would not let her use the resources of the Fu family.

If you rely on yourself, this 100 million funds, even if not all of Fu Fangchen's savings, should be the vast majority.

"What, I threw myself into this investment, shouldn't you be more confident?" Fu Fangchen looked at Fang Tianyu.

"Of course, your determination does give me a lot of expectations. Fang Tianwu smiled: "The only thing I'm worried about is whether you will lose your mind and become a gambler at a critical moment." ”

Fu Fangchen leaned on the sofa, tilted his head up, looked at the luxurious crystal chandelier on the ceiling, and was dazzled by the refracted light for a while.

"Do you know what is the most important thing I've learned in all my years in the United States?"

Looking at the crystal chandelier, Fu Fangchen seemed to be talking to himself, and seemed to be asking the other party's Heavenly Eagle and Gu Qianfan.

Fang Tianwu and the two shook their heads at the same time, and Fu Fangchen said, "That's not afraid of failure!"

After a pause, she continued: "This is what I admire most about Americans, and a large part of Americans are not afraid of falling down on the way forward. In their view, failure is inevitable on the road of life, and it will not come because you are afraid.

Therefore, whether it is in learning or starting a business, if they fail or go bankrupt, they will not despair, but see it as an opportunity to return to the starting point and start again!"

Fang Tianwu couldn't help but nod when he heard this: "In comparison, according to our domestic concept, losers have too much to pay, and the people around them, including the whole society, will label them as failures, and if they want to start all over again, they have to pay more courage." ”

Fu Fangchen's gaze turned back from the ceiling and stayed on Fang Tianyu's face: "That's right, throughout the ages, our Chinese's success study is actually only four words!"

"Win the king!" Fang Tianwu said first.

"Mr. Fang, I appreciate you more and more. A slight smile appeared on Fu Fangchen's face: "Americans are different, not all losers are weak, and many people will even become more and more courageous! In the past few years in the United States, the most important thing I have learned is this concept! So even if I fail this time, it will only be an experience for me, and it will not frustrate my will." In this case, I think that the gambler's psychology is not useless, at least, the gambler has the courage and determination to fight hard at the critical moment!"

Fang Tianwu couldn't help but puff up his palms and said with a smile: "Ms. Fu, I dare to say that the loss of Jiangda Securities to you is their biggest loss now and in the future!"

"Thank you for the compliment. Fu Fangchen smiled slightly, like ice and snow melting.

She said: "With the connections I have accumulated before, I could have raised more funds, but Fu Jiaming is preaching everywhere that I am bearish on Internet stocks, and I will only lose a lot if I hand over the funds to me." In addition, my former clients are also optimistic about the prospects of online stocks, so no one dares to hand over their money to me.

However, these things are a foregone conclusion, and it is useless to say more.

Mr. Fang, now with Qianfan's funds, we can have 200 million yuan in our hands, about 30 million US dollars. I will take this money to a bank in the United States as a deposit, and it is estimated that I can borrow 100 million dollars. I am responsible for this loan application, and I will bear the risk, in case of failure, Mr. Fang, you will lose 100 million yuan at most.

Correspondingly, after the deed is completed, I will take 10% of your share of profits according to the profits!"

Fang Tianwu did not agree immediately, but carefully considered the gains and losses. Although Fu Fangchen is a rare beauty, and he has a good relationship with Gu Qianfan, Fang Tianwu is not the kind of person who is confused by lust, especially when this involves the operation of hundreds of millions of funds, so he can't be careless.

He estimated that Fu Fangchen had already planned to invest in this short buying operation, because for her, if the collapse of Internet stocks came true, this would be an extremely rare opportunity to grow and grow. So even if she is not 100% sure, she will give it a go.

As she said earlier, the gambler's psychology is sometimes not useless.

And borrowing from the bank through cash collateral may have been in Fu Fangchen's plan as early as that. Fang Tianwu guessed that there should be a capital threshold for this loan method, and if the deposit does not reach the minimum threshold they stipulate, it will be difficult to apply for it, even if there are many people to introduce or guarantee.

Fu Fangchen's original funds are likely not to reach this threshold, and it just so happened that Fang Tianwu took the money to "throw himself into his arms", which was in Fu Fangchen's arms.

For this kind of coincidence, Fang Tianyu could only sigh at the chance of fate.

As for the risks, Fu Fangchen is responsible for applying for a loan, and the relevant responsibilities are also borne by her, if this investment fails, the bank will only chase Fu Fangchen, and it has nothing to do with Fang Tianyu.

As Fu Fangchen said, Fang Tianwu lost 100 million at most.

As long as Fang Tianwu set up a firewall in advance to ensure that she would not divert the money for other purposes.

As for the fee that accounts for 10% of the profit, it is much higher than the commission that is less than 1/1000th in the industry. However, considering that the application for the bank loan and the specific operation of this investment were completed by Fu Fangchen, the total cost of this percentage is not excessive.

After thinking about it for a long time, Fang Tianyu finally nodded: "Okay, just do as you say." But explain in advance, if you lose, you don't have to ask me for this cost. ”

Fu Fangchen stretched out his right hand to Fang Tianyu: "Then you can ask God to worship Buddha and pray for the collapse of Internet stocks." ”

Fang Tianwu smiled and reached out to hold her jade palm.

With this start, Fang Tianwu found that Fu Fangchen's hands were soft and warm, worthy of the description of warm fragrant nephrite.

"I'm coming, I'm coming!" Gu Qianfan wrapped the palms they held together with two hands, and said with a smile: "I wish us a victory!"

In the evening, Fu Fangchen drove Fang Tianhu to them.

Gu Qianfan does not live in the dormitory of the school now, and the Gu family's mansion is in another well-known villa area in Suicheng, not far from Nanyi University.

Fu Fangchen sent Gu Qianfan back first, and then sent Fang Tianying to Nanyi University.

In the BMW car, Fang Tianwu and Fu Fangchen were alone in the not very wide compartment.

There was no perfume or anything in the car, but there was a faint scent in the air.

Fang Tianwu knew that the source of this faint fragrance was the woman in the driver's seat.

"Qianfan should tell you everything about me. Fu Fangchen looked at the road ahead and opened his mouth casually.

"Hmm. ”

"She's not a girl who likes to talk about other people's rights and wrongs, don't get her wrong. ”

"You're so nice to her. Fang Tianwu said from the bottom of his heart.

As a victim of leaked privacy, Fu Fangchen only cares about protecting Gu Qianfan, the perpetrator.

Fu Fangchen said calmly: "Because I know her personality, although she is sometimes willful, she has never hurt others." ”

"So I don't want you to misunderstand her. Fang Tianwu said: "It's Fu Jiaming, he suddenly told me that you are a widow." Qianfan was afraid that he had other plans, so he told me about you first. ”

Fu Fangchen didn't speak, but Fang Tianyu knew that she should have also figured out Fu Jiaming's thoughts.

After a while, she spoke: "How did you know Fu Jiaming? With his character, he shouldn't have taken you seriously, how could he be so scheming to deal with you?"

"Speaking of which, I met him in your peach blossom dock, when he saw me and Qianfan drinking tea there. In the future, he may misunderstand my relationship with Qianfan. ”

"Hmph! It's no wonder, the Fu family has already regarded Qianfan as his daughter-in-law tomorrow. Fu Fangchen sneered: "But you are not simple, if you are just an ordinary person, Fu Jiaming may not be too lazy to deal with you." ”

"So, it's my fault too?"

"Well, I guess you did something to annoy him. Fu Jiaming, who looks humble, actually has flaws that must be reported, and he is exactly the same as his father. ”

Fang Tianwu put his head on his head and said with his hands: "Their Fu family is powerful, I am not an opponent now, I can only pretend to be an ostrich first, so I am quite expecting you to deal a major blow to them." ”

"Having said that, when will your 100 million be in place, I will go to the United States immediately, otherwise I am afraid that I will not be able to catch up. Fu Fangchen said.

"Within a week, it's definitely going to be in place. ”

"By the way, if it succeeds this time, you can either give me that villa, and it will be deducted from my fee. Fu Fangchen said: "I like the environment there. ”

Fang Tianwu refused without hesitation: "No, I want to redecorate it in the future, and I also like the environment there." ”

"Humph!"

Fu Fangchen's face quickly turned cold, and at this time, the car happened to come to the main gate of Nanyi University.

Fu Fangchen didn't look back: "Get out of the car." ”

Fang Tianxuan shrugged his shoulders and walked out of the car, as soon as the car door closed, Fu Fangchen drove away, leaving only billowing dust and smoke.

"Tsk, this woman turns her face faster than she turns a book. Fang Tianwu muttered to himself, and turned around and walked towards the school.