(Chapter title dedicated to old readers, I'm the wilderness!)

"What's wrong with the IOU?" Fan Ping'an couldn't help but ask.

"First, the IOU does not indicate the amount of the loan! Borrowed funds to buy 200,000 shares of Shenzhen Development stocks! Do you know how much these 200,000 shares of Shenzhen Development are?" asked Professor Su.

Jia Lei and Fan Ping'an shook their heads at the same time!

"The price of stocks is rising every day, and the stock price of 200,000 shares is calculated according to which day? In the first two months, it was only 35 yuan a share, and now it is 40 yuan. Professor Su said.

Jia Lei and Fan Ping'an glanced at each other at the same time, and they both knew what to do.

"What do you always say we should do?" asked Jia Lei.

"Don't worry about this, let me talk about the second question first! The second question is what is the matter with your interest?" Professor Su said, pointing to the line about interest.

"Is there anything wrong with the interest? I just give him 5% interest according to the interest given by the bank, what can be wrong with this?" Jia Lei asked by touching his head.

"You don't have a clear statement on this IOU whether the 5 percent interest rate is an annual interest rate or a monthly interest rate! If you meet a bad guy and say that it is a daily interest rate, will you pay it at that time? Even if it is a monthly interest rate, it can be compared to a loan shark. Professor Su Lao said that Jia Lei reacted that this was indeed the case.

"Old Su, you're laughing, I'm not that kind of person!" Fan Ping'an said with a stiff face.

"Do you think he's at fault? You're also at fault! You broke the law, do you know?" said Professor Su, pointing to the IOU.

"Is it illegal to borrow money from others?" asked Fan Ping'an in disbelief.

"Not normally! But you're borrowing a bit of a lot this time... The interest rate is so high that it can already be regarded as usury. Even if it is calculated at face value, it is 4 million! Five percent interest is 200,000 yuan! This is a proper usury of 200,000 yuan. Professor Su shook his head and said.

Jia Lei and Fan Ping'an hugged each other and trembled--it's terrible! This old man is terrible!

"Old Su, don't scare them, everyone is discussing the matter of borrowing money in private. If the people don't raise officials, we won't be held accountable, as long as Fan Ping'an doesn't charge too high interest, we won't be able to control it!" Zhang Wenwang kindly comforted the two financial scumbags.

"Then how much is my stock worth, and how much principal and interest should I give Fan Ping'an?" Jia Lei asked boldly. There's no way, if you can't ask him about this, don't think about sleeping tonight!

"Fan Ping'an, how much do you say these stocks are worth?" asked Professor Su.

"I ...... I don't know!" Fan Ping'an said dejectedly.

"You don't know that there will always be people who know, don't the people who helped you buy these stocks know how much money they spent?"

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Fan Ping'an hurriedly called his aunt, and the aunt first greeted Fan Ping'an's whole family on the other side, and then praised Fan Ping'an for his eyesight and bought a good stock!

"Auntie, how much did you spend on those stocks? Tell me quickly, and I will return the capital to you." Fan Ping'an asked anxiously.

"Oh! It didn't cost much, it's all a family talking about what kind of capital! That little money should be regarded as a New Year's bonus given to you by your aunt, and your aunt hasn't given you New Year's money for many years! The rich lady on the other side of the phone said that as a rich wife with a net worth of billions, millions of dollars is just a big red envelope.

"Auntie, you misunderstood! I didn't buy those stocks, I bought them for a friend! He is now coming to pay me the principal and interest. I don't know exactly how much to charge him. Fan Ping'an said that there was a sudden silence on the other side of the phone for a full minute.

"Xiao An, you are really your grandfather's own grandson, you are like my brother since you were a child, you have no money luck, I think when I first divided the family property, my brother divided eighty percent of the family property alone, but now even half of the CD has not been kept. What a great opportunity to buy stocks this time, seeing that you can help the whole family get rid of poverty and become rich! It's a pity that you, like your grandfather, have no vision to make wedding dresses for others, and if your grandfather comes to Hong Kong Island with us, you will now be a rich young master with a net worth of hundreds of millions. My aunt said softly on the other side of the phone.

"Our family is doing very well now, although we don't have so much money, we don't lack food. Fan Ping'an said.

"Since you're in such a hurry, I won't talk nonsense, I bought the stock for 40 yuan a share. Just charge it at this price!" Mrs. Fan hung up the phone after speaking.

"Madame, I only spent 37 yuan a share when I bought stocks. The butler hesitated and said, he was afraid that his wife had misremembered the price.

"Butler, have you forgotten? Our family is a businessman! My brother is settling accounts -- besides, Xiao An's friend and I are not relatives! Mrs. Fan said.

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"I asked if it was 40 yuan a share when I bought stocks, and you should give my aunt 8 million for these stocks. I don't want interest!" Fan Ping'an put down the phone and said, Jia Lei was suddenly stunned.

"Eight million! You actually borrowed eight million from me and didn't want interest, this favor is too great for me to bear! Since you can't collect cash now, it's better to collect the interest first. Jia Lei thought about it and said.

"I said I don't want money!" Fan Ping'an said angrily.

"Who said I was going to give you money? My money is still kept for stock speculation to make money and to your aunt! I am the only one who can give you interest now, you can keep it! You are timid, that is, you dare not buy treasury rolls, you dare not buy stocks, and you will not be able to make a fortune in your life, you have taken this well! There are people in Mingzhu City who are taking stocks as a full moon gift for children, and you are not allowed to sell these stocks, so you can keep them for my future godson and goddaughter as a dowry and wife's book. Let me tell you that this stock will definitely rise in the future!" Jia Lei put 10,000 shares of Shenzhen Development into Fan Ping'an's arms and said.

Jia Lei knew that Shen Zhen had multiplied hundreds of times later! He was able to return Fan Ping'an's favor now.

"Kid, don't you think about it anymore? Shenzhen Development No. 10 is about to pay dividends! You might as well give him 400,000 yuan in cash, and these stocks plus dividends are worth at least 500,000 yuan. Professor Su said.

"It's worth 500,000?!I can't ask for this thing!" Fan Ping'an hurriedly put the stock on the table.

"If you don't even dare to ask for 500,000 yuan - then you say I don't want these 8 million stocks! Do you want to make me feel uneasy for the rest of my life, the dividend of 8 million shares is 500,000, and this money is not given to you by me, but given to you by Shenzhen Development. You just take it!" Jia Lei said.

"Fan Ping'an, you take the stock!" Zhang Wenwang said suddenly, Fan Ping'an and the others were stunned.

"This money is your legal income, and the state recognizes interest as legal income! Our action group is short of funds to enter the stock market and is short of props, so I still want to take half of the funds and 10,000 yuan to buy stocks as props, but now Pengcheng stocks are so expensive, I am afraid we can't afford them. Can you borrow this stock temporarily, you can rest assured that all the future earnings and dividends of these stocks will still belong to you, and we will report to the above. Zhang Wenwang said, and several other economists also nodded.

According to the current price of Shenzhen Development for 10,000 yuan, they will buy 200 shares, but this time they are here to investigate all the stocks in Pengcheng, and they want to investigate more than one stock of Shenzhen Development, so they can't buy one share or two shares for everything, right?

"Everything is subject to the organization's arrangement!" Fan Ping'an said.

Jia Lei watched them reach an agreement and went out - Jia Lei was kicked out!!

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"The matter we are going to discuss next is a state secret. You better go back and watch the cartoon!" Wei Cheng said with a smile as he sent Jia Lei and Dasha out of the room.

Damn, isn't it just crossing the river and demolishing the bridge - do you think I don't understand, master?

I don't even listen to any state secrets in vain - the more you know, the faster you die!

Jia Lei still wants to live a long life!

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"Boss, we heard that there will be a new stock issued tomorrow, and the new stock issued this time is the stock of a Sino-foreign joint venture textile company, and the issuing company is called Yuanye Textile Co., Ltd. It is said that this is the first Sino-foreign joint venture company in China to issue shares, do you think we are going to investigate it tomorrow?" Zhong Yi asked.

"The new share issuance is a good opportunity, just so that we can investigate all the way from the stock issuance, so that we can figure out the entire process of stock issuance, sale, dividends, allotment, etc., and then we can find out what made Pengcheng's stock double in a year!" Zhang Wenwang said knocking on the table.

"I also think it's a good opportunity, but I think it's not enough to just observe, it's better for us to get involved so that we can better understand the hearts of shareholders. Do you know what those who speculate on stocks are thinking?" Professor Qi said, and several other scholars also nodded.

"I agree with Qi Lingyun's opinion, we must seize this opportunity to participate in it! You must know that the issuance of new shares does not happen every day, and there are only four stocks that have been traded on the OTC in Pengcheng since the beginning of the share reform in '84! If we miss the deep field, we may have to wait another year before we can see another new stock issued. Professor Su said.

"But our biggest problem now is getting involved?" Ishiye asked.

"Just like ordinary people, just buy stocks. Miko said very naturally.

"You shouldn't forget, right? We don't have any money!" Yu Tao looked at him and said, through the noon incident, everyone knew that they only had a total of 20,000 yuan in action funds.

"Yu Tao is right, we can only take out 10,000 yuan of working capital to buy Yuanye's stocks! I have inquired about the issue price of Shenyuanye's shares set at 10 yuan, and 10,000 yuan can buy 1,000 shares! The rest of the money must not be used, otherwise we will not even have money for food and accommodation. Wei Cheng said.

"You're miscalculated! We'll buy up to 200 shares! There are five stocks in the Pengcheng stock market, and our purpose is to investigate all the stocks in Pengcheng and not any one of them. Professor Su said, Zhang Wenwang nodded.

"Is it too little for so many of us to buy 200 shares? As far as I know, this stock can't get into the eyes of the dealer at all, don't you invite me this time to suspect that there is a dealer behind it?" Yu Tao asked, and everyone in the room who understands economics nodded.

"You don't have to worry about money! Just because we don't have money doesn't mean that others don't have ......," Zhang Wenwang said meaningfully.