(Thank you Luo Fan Xiu and Qing Huan for your tips, thank you, thank you readers for your great support.) ）

"I agree to repay the loan in US dollars, the exchange rate is fourteen to one, my company loan term is two years, according to the contract, once our company repays the loan in advance for more than one year, I will bear half of the loan interest rate for the second year... Our company because of its own reasons, can not continue to engage in import and export trade business, so we must repay the loan in advance, our company from next month, there is no import and export agency rights... Well, the relevant procedures, we have completed all the procedures within five days, our cooperation is very pleasant, I hope there will be opportunities for cooperation in the future... ”

Jia Yunmao's face was a little red, and his hand holding the phone was trembling, he didn't expect that in just two days, the ruble would depreciate by two points again, reaching an exchange rate of fourteen to one.

Foreign banks have already agreed to the early repayment of the loan by New Century LLC on the demand that the loan be repaid in dollars, and they have lost confidence in the ruble.

Jia Yunmao doesn't care, he has already settled the account, according to the current exchange rate, take out 750,000 US dollars, you can repay all the loans and loan interest, in less than a year, the company earned 1.25 million US dollars, equivalent to 10 million yuan, in addition to the 2 million yuan that Liao Fanmin should get, he Jia Yunmao got 8 million yuan.

It is impossible for Jia Yunmao not to be excited, he has been in business for so many years, and he has never earned such a amount of money.

In the eyes of outsiders, this money came too easily, but Jia Yunmao knew that there were very few people who could seize such an opportunity to make money, and if it weren't for Liao Fanmin's proposal, he Jia Yunmao would not have made so much money.

It's all about the money you earn by your head.

Jia Yunmao knows that according to the current situation, the ruble will continue to depreciate, but he can't wait, and he must repay the loan immediately.

"What, what did you say, did you make 10 million like this, what are you kidding."

"Lao Zhou, I'm not joking, tomorrow we will set off, go to Russia, go to the bank to go through the procedures for repaying the loan, it will take about five days before and after, we will return to Shanghai, and we also need to convert most of the US dollars into RMB, the company does not do import and export trade business, it can not hold too much foreign currency, that will be investigated and punished."

"When did you become so powerful, the loan was almost a year ago, did you know at that time that the ruble would depreciate."

"It's not me, it's Liao Fanmin who proposed, when I heard his proposal, I thought it was a fantasy, but I still believed it, and signed an agreement with Liao Fanmin, a loan of 10 million rubles, which was immediately converted into US dollars, if the loan caused the company to lose money, Liao Fanmin would bear 50% of the loss, and if he made money, Liao Fanmin would get 20% of the money, and I calculated at that time that the company's loss would not exceed 1 million. . . ."

"You, you are bold enough, Liao Fanmin gave you advice, and you did it, so the company's transformation into a real estate business was also suggested by Liao Fanmin."

"Yes, it was also suggested by Liao Fanmin."

"The suggestion to buy won is the same?"

"Yes, it was also proposed by Liao Fanmin."

"Why do you listen to Liao Fanmin, he is just a child, and he is still a freshman."

"Liao Fanmin is not a child, he has extraordinary wisdom in doing business, he has been in the company for less than a year, put forward three suggestions, I adopted them all, and made 10 million dollars."

"I really haven't seen this kid yet."

"Otherwise, why would I want Xiaoxing to study with Liao Fanmin."

Zhou Xiaomei's face was slightly red, and she looked at Jia Yunmao.

The relationship between the two had a major crisis some time ago, and even reached the point of divorce, but Jia Yunmao took the initiative to make changes, and had several long talks with Zhou Xiaomei, talking about many things about the company, including the business development, including the situation of funds, and later went out to investigate several times, and Jia Yunmao took Zhou Xiaomei with him.

Zhou Xiaomei is highly suspicious of Qin Yuhua, thinking that the relationship between Jia Yunmao and Qin Yuhua is not normal, and there is too much contact between the two, but after going out to investigate several times, and even after knowing Qin Yuhua's identity, Zhou Xiaomei completely dispelled her suspicions, and the relationship with Qin Yuhua is also very good.

Although the relationship has improved, Zhou Xiaomei still has no idea of quitting her job to do business, she will continue to work in the unit, although the salary is not high, but it is stable and guaranteed.

Knowing the money Jia Yunmao has earned in the past year, Zhou Xiaomei was a little shaken, she calculated her salary, I am afraid that the moment she closes her eyes, she will not have so much money.

It is said that when a man is rich, he becomes bad, and after really mastering the company's situation, Zhou Xiaomei was extremely surprised, if she still had the same attitude as before, I don't know when Jia Yunmao really changed her mind.

Zhou Xiaomei was even more surprised by Liao Fanmin, she had a very good impression of Liao Fanmin, thinking that Liao Fanmin would definitely have a future in the future, but that is to take a look at it a little higher, after all, after everyone steps into the society, they need their own efforts, and they need to have opportunities.

Hearing everything Jia Yunmao said, Zhou Xiaomei's opinion has changed dramatically, she feels that Liao Fanmin is a little unreal, it is simply a demon, she can predict the depreciation of the ruble a year ago, and she knows that she can earn a lot of money from it, such advanced and wise thinking is not something that ordinary people have.

"Lao Jia, when you agreed with Liao Fanmin's suggestion, did you also want to entrap Liao Fanmin, if this business really loses money, it is cost-effective for the company to tie up Liao Fanmin with 500,000 yuan."

"Well, I do have that idea."

"I look at you, it's wishful thinking, Liao Fanmin can analyze what happened a year later, don't you know what you think, just now I analyzed it a little, and I understand the strangeness, Liao Fanmin can not understand, you have to respect Liao Fanmin in the future, since he has such a strong ability, the company's affairs, ask for his opinion."

"That's for sure, otherwise I wouldn't have transformed into a real estate business, a few days ago I negotiated with Liao Fanmin, whether the company first started with the construction project of the government unit, Liao Fanmin disagreed, he thinks that the core of the company is commercial housing, which I also adopted his suggestion and did not contact the government units."

"This is about the same, what will happen a year later, Liao Fanmin can accurately predict it, then the development trend of this real estate business, Liao Fanmin must have also analyzed, I think his analysis must be accurate."

"I thought so too, and just now I regretted talking to Liao Fanmin a few days ago."

"People helped you earn 10 million, and the company will be closed for a year, and you won't care."

"What I said is that I don't particularly care about money, I'm afraid that the company will not have business for a long time, and the employees below will be lazy."

"What's this, it's a big deal to continue recruiting, the company has a business, are you still afraid that you won't be able to recruit people."

Jia Yunmao looked at Zhou Xiaomei and nodded.

"Lao Jia, I also want to enter the company to do things."

"Don't, I've already figured out a way to transfer you to Nanhua City to work in the second half of the year, you are not familiar with the company's affairs at all, and you can't help when you come in, you have worked in the government for so many years, you have long been used to it, and you will not be able to turn around for a while."

Zhou Xiaomei didn't insist, looked at Jia Yunmao and nodded.

"That's what I think, but I don't really want to do things in the company, since I can work in Nanhua City in the second half of the year, or continue to work in the unit, I'm used to it."

Jia Yunmao took out his mobile phone and dialed Liao Fanmin's phone.

Liao Fanmin was walking in the school's playground, the weather was too hot, and he couldn't stay in the dormitory at all, Liao Fanmin was still cursing the school just now, why didn't he install air conditioning in the dormitory.

During this time, Liao Fanmin and Jia Tianxing almost slept in the rental house, after all, air conditioning was installed.

Cheng Yahui was still busy with the debate competition, and I didn't know who recommended it to the school leaders, so Cheng Yahui was selected to prepare relevant materials for the debate team of the University of South China.

The time of the 4th National Key University Debate Tournament has been determined, which will be held in Beijing in August, and it is estimated that Cheng Yahui will have no way to rest this summer.

"Hello, chairman."

"Liao Fanmin, to tell you a good news, the exchange rate of the ruble against the US dollar has reached fourteen to one, just now I contacted foreign banks, they agreed that we will repay the loan in advance, hoping that we can repay the loan in dollars, I agreed."

"Chairman, isn't it a little inappropriate to repay the loan in dollars, and the procedures are not easy to handle."

"It's nothing, I'll leave for Russia tomorrow, do the last thing with the import and export agency, repay his loan in dollars, it is expected to take about five days, after returning to Shanghai, I will basically convert the dollars in the account into RMB, I have calculated, you get 20 percent of it, about 2 million yuan, deduct 600,000 of them, count it as the shares of the company you bought, and the rest of the money will be deposited into your account, do you think this is okay."

"I agree."

"Okay, I'll do it like this, after everything is done, I'll call you, and you can go to the bank to inquire when the time comes."

"Okay, the chairman will go to Russia tomorrow, and I wish you a smooth journey."

。。。

Turning off the phone, Liao Fanmin's face showed a knowing smile.

There are still 1.15 million yuan in the account, plus 1.4 million yuan this time, plus 1.2 million shares of New World Co., Ltd., and after being reborn for more than a year, Liao Fanmin has earned 3.7 million yuan, not counting the salary received by New Century Co., Ltd. and so on.

This money has given Liao Fanmin a good foundation, and when New Century Co., Ltd. seizes the opportunity and begins to engage in real estate development business, he will have a huge amount of money in his account when he occupies 20% of the company's shares.

After being reborn, I went to college, and the way to make money was also very stable.