Listen to Lin Kai tell himself: After going to their family's ancestral house in Repulse Bay the day after tomorrow, he should be able to know the result of this financing.

Li Huayong didn't feel strange about this, I don't know why, after hearing Lin Kai say this, at this time, an incident he had personally experienced in his previous life clearly appeared in his mind.

It was a year after 2000, when Li Huayong was working on a project in a coastal city in Fujian Province, China. There is a village not far from the construction site, because of the needs of the work, the project department has a lot of business dealings with this village, for example, many of the ground materials and sand and gravel required by the construction site are provided by this village. Therefore, Li Huayong is very familiar with many people in this village.

Shortly after the Spring Festival of one year, Li Huayong witnessed a private placement activity carried out by people in the village. The nature of this village is similar to that of Lijiaao, and the villagers are almost all with the same surname, on this day, the ancestral hall in this village, or the "ancestral house", the hall of the ancestral hall is full of dense money.

Where did the money come from? The villagers took it out of their homes, and it was up to the villagers to take more or less.

How should the money be used? The villagers who need the money will make their own loan conditions and use "bidding" to obtain the right to use the money.

For example, villager A is in business, and he urgently needs a sum of money as working capital, so he will tell him the amount of funds he needs, the time limit for his borrowing, and the interest he is willing to bear here.

For example, villager B is engaged in a project, and he is also in urgent need of a sum of money as start-up capital, so he can also set out his own loan conditions in the way of villager A.

This is private placement, and it is the most "original" private placement method in our country.

Why don't we say that private placement has been illegal in our country for a long time? Because as long as you analyze it a little, you can see that there are many problems in this way.

Not to mention the use of "bidding" to decide who to lend money, which is easy to push up the interest, and then evolve this behavior into a real "usury", what is even more terrible is that after lending money in this way, the person who borrowed the money cannot be supervised and supervised at all, what if he is unable to repay or deliberately does not repay after borrowing money?

Li Huayong was very impressed, and he remembered that after witnessing this scene, he asked the village head, who was one of the main hosts of the private equity event, why did he dare to lend money like this?

And after listening to Li Huayong's question, the village chief looked at Li Huayong with even stranger eyes:

"Why worry about this? The people who borrow money are all villagers in the village, and if anyone dares to borrow money and not pay it back, will he still have the face to see people in the future? Isn't he worried about being poked in the back? Will he be embarrassed to show up in his hometown in the future?"

"Oh. ”

Hearing this, Li Huayong understood a little, it turns out that the basis for the existence of this kind of private equity activity is mainly everyone's local concept, and "not afraid that he will not have a face" is everyone's biggest reliance. Of course, if you meet the kind of person who is really "shameless", then this method is likely to go wrong.

"I have another question, you see that so-and-so borrowed such a large sum of money with such a high interest just now, even if you believe in his character, aren't you worried that he won't be able to pay it back?"

Hearing Li Huayong's question, the village chief said to Li Huayong with a little pride:

"You're stupid us, you should have seen that there was another person who offered a higher interest rate, so do you know why we didn't lend him the money after we discussed it?"

"Why?"

"That person is a second-rate man in the village, and what he wants to borrow money to engage in is not a legitimate livelihood, so of course we will not lend him money, no matter how high the interest rate is. As for the person who borrowed the money just now, not to mention that his family has a good reputation with us, and the business he wants to do sounds more reliable, so we lent him the money. ”

"Oh. ”

Hearing this, Li Huayong completely understood, it turned out that people are not completely blind to engage in this kind of private equity activities, and there are still some particularities in this, although Li Huayong is very skeptical, with the vision and insight of this village and these villagers, they don't know what is called "reliable business".

However, it must be admitted that in the southeast coastal area of our country, especially from Wenzhou to Fujian Province to Shanchao coastal area of Guangdong Province, this kind of private placement behavior is very common but it is a fact.

Why did Li Huayong think of this story when he heard Lin Kai mention his "ancestral house"? It was because he knew that Lin Wei's ancestors were from Shanchao.

As we all know, there are three main groups from Guangdong Province to Xiangjiang generation, the so-called "Cantonese people", "Shanchao people" and "Hakka people", and many customs and habits of Shanchao people are similar to those in Fujian Province. Compared with the other two groups, the Shanchao people seem to be more grouped and seem to have more local concepts.

"Hehe, the day after tomorrow in Lin Wei's ancestral house, shouldn't it evolve into a private equity conference of Shanchao people......"

Li Huayong once again thought about it, because Shanchao people have these two characteristics, it is very common and normal to carry out private placement or lending between Shanchao people.

In real history, what is the most famous financing affair between Shanchao people? Li Huayong thinks that it should be counted as the matter of Li Chaoren's second son lending money to "Penguin Little Pony."

Around 98 years, Li Ergongzi bought 20% of the shares of "Penguin" at a price of 2.2 million US dollars, and a few years later, he sold all these shares at a price of about 10 million US dollars.

Because of this incident, Li Ergongzi suffered a lot of ridicule, especially on the Internet in later generations, the sarcasm and sarcasm of Li Ergongzi were endless, thinking that he missed the opportunity to surpass his father and become the "richest man".

It's a pity that those sarcastic and sarcastic people really think too much, or most of these people are some "people who don't know the truth", because the matter itself is not so complicated, it is just a very ordinary matter of borrowing between Shanchao people.

The truth of this matter is: when "Brother Penguin Pony" encountered financial difficulties, some Shanchao villagers helped him, and under the guidance of Shanchao villagers, he met Li Chaoren, who was also from Shanchao, and Li Chaoren lent him money to let him tide over the difficulties for the sake of his fellow villagers.

If this matter is regarded as an investment behavior, then Li Ergongzi is indeed worthy of ridicule, but if it is only regarded as an act of borrowing, then there is actually nothing to say, after all, after a few years, the profit will be increased fivefold, and how many of those who laugh at him will be able to do it.

"Brother-in-law, brother-in-law, wake up, I really don't know what is wrong with you, why do you like to be distracted when you have nothing to do, don't be stunned, now a guest is coming to visit you." ”

"Hmm, who is the guest?"

"I'm also surprised, the person who came is actually Li Chaoren's eldest son, brother-in-law, do you know him? Oh yes, I remember, it seems that when the Bank of China Building won the bid, everyone had a relationship. ”

Li Huayong's eldest son? Li Hua Yongxin said that there would not be such a coincidence, he had just remembered the "glorious deeds" of Li Ergongzi, and now Li Dagongzi came out.

What did he come to himself for?