Book Five: I am the collateral

And the rain came, and the waters came, and the wind blew, and it struck the house, and it collapsed, and it collapsed greatly.

At this moment, in the small cinema of the snowy capital, the sunshade in the window is only half closed, and the light penetrates through the other half, and the small LED lights arranged on the wall are tirelessly flashing, trying to create a romantic atmosphere full of stars.

Wen Ziqi adjusted a sitting posture that didn't look embarrassed, and half-leaned on the soft collapse and waited, his palms sweating slightly.

Liu Mianmian sat at the other end of the slump, hugged her knees, rubbed her temples tiredly, combed her hair behind her ears, and began to tell the story of her departure.

Liu Mianmian's home is in Lizhou City, and she has hardly left Lizhou since she was a child. Because of her father, she has no worries about food and clothing since she was a child, her house is bigger than that of her children, and her car is better than that of her children. She is the only daughter in the family, and she has never wanted very few things, because she has almost everything.

The only regret is that her parents divorced when she was in junior high school. She was sentenced to her father, but life has not changed much for her, because she likes to stay at her grandmother's house since she was a child, acting as a child king in the alley, going to the house to uncover the tiles and dig out birds' eggs, charging to fight and pretending to be a heroine, and her grandmother dotes on her very much, because her life is not nourishing.

Until she was admitted to college, she lived with her grandmother most of the time, because her father was too busy, so she could only occasionally rush back to care for her, and then her grandmother cooked a table of meals, and the family sat together and walked around the form. I have the impression that at this moment, my father has basically been on the phone.

My mother runs a flower shop, and since Liu Mianmian can remember, my mother has been in poor health, drinking Chinese medicine all year round, and she looks thinner and thinner.

Every time her mother comes to see her, she is mainly concerned about Liu Mianmian's academic situation, she has not been outstanding in her homework since she was a child, but she is also smart and smart, but she can cope with her mother's questions in the past.

Grandma always said that let her understand her parents, people who fight for their careers outside are particularly hard, my father started a business in his thirties, and he was bald when he was young, although his mother has been well maintained, but it is difficult to hide his fatigue, and his body is sick, and the whole person always looks weak and weak.

So although the family material conditions are richer, but in the case of parents taking care of themselves, Liu Mianmian can only be self-reliant, and rely on her grandmother's words and deeds, she has been a sensible and grateful child since she was a child, serving tea and pouring water, helping her grandmother do housework, learning to cook soup and cooking with her grandmother, and even teaching herself massage fingering to relieve fatigue by relaxing her shoulders and stepping on her waist with one hand.

That day, Liu Mianmian was busy making a report in the company, the intern's work was tedious and had no right to speak, just when she was anxious, her father called, telling her that her mother was not feeling well, and now her parents were waiting for her at home, so she must go home immediately. Liu Mianmian hurriedly asked for leave and got in the car and ran straight home, but she wondered in her heart, why did the two of them, who had been divorced for seven or eight years, wait for her together at home, and why didn't her mother go to the hospital if she was unwell?

But I didn't have time to ask more, so I called on the road and hurriedly informed Wen Ziqi, and when I arrived at the door, I was stunned by the sight as soon as I unscrewed the key and entered the house.

In the living room, there are more than a dozen men who smoke and play cards, and there are more than a dozen men gnawing on fruits, fruit skin paper towels and cigarette butts are all over the ground, the house is full of smoke, the smell is unpleasant, I heard someone come in, a group of people looked at Liu Mianmian, and she was so frightened that she stood there for a while and didn't know what to do.

One of them, a tall, dark and strong bald man, nestled in the sofa, crossed his legs, looked at Liu Mianmian, rubbed his nose with his thumb and asked her, "Are you Liu Mianmian?" Liu Shijun's daughter? ”

She nodded in fear, and the pestle was in the hallway.

"Your mom and dad are in the bedroom, go ahead! Give you twenty minutes! The bald head rolled up his sleeves and leaked out the tattoo on his arm.

Liu Mianmian hurriedly ran towards the bedroom, her mother leaned on the bed and cried with red eyes, her father sat on the ground, there seemed to be bruises in the corners of her eyes, and she called them dejectedly: "Dad, Mom!" ”

Mom's tears burst out, she got up and hugged her, and choked up: "Mianmian, Mom and Dad are sorry for you!" ”

Liu Shijun slowly stood up on the bed, and Liu Mianmian saw the corners of his eyes, the corners of his mouth were full of bruises, and there were shocking red strangulation marks on his neck.

He looked at his daughter, as if he wanted to give her a comforting smile, but his expression was more ugly than crying, he swallowed his saliva dryly and said: "Mianmian, something is wrong with the company, Dad owes money to others," Liu Shijun paused and continued: "The duplex house in the suburbs under your name, I will write it to them first, and then I will go through the transfer tomorrow." He thought for a moment, and then said, "I also went upstairs to find the list of the bank safes I gave you a few years ago." ”

Liu Mianmian was scared and overwhelmed, she had never seen such desperate and gaffe parents, so she had to nod and say, "Okay!" ”

My mother's eyes were swollen like walnuts, her hair was messy and dull, and she was thin like a dead wood.

When she found the house book and a stack of bank documents, her father handed it to the bald man, who flipped through it and looked at it, and then handed it to a man with glasses sitting on the sofa.

The man with glasses looked at it and saw that it was okay, then took out two pages from his bag and said to Liu Mianmian: "Come here and sign!" ”

Liu Mianmian walked over, picked up the pen, didn't look at it, and signed himself on the last page.

The glasses man put away the contract and said to Liu Shijun: "Mr. Liu, I'm sorry today, and I have to bother Miss Liu to accompany us tomorrow and go through all kinds of procedures!" ”

The bald head smiled: "In the end, it is a college student, and it is refreshing!" Lao Tzu will pick you up at eight o'clock tomorrow morning! ”

A group of five big and three rough dragon and tiger people got up and left one after another, and one of the yellow-haired guys took the remaining packs of cigarettes on the coffee table.

Liu Mianmian fixed her trembling hands, picked up the dustpan and broom without saying a word and began to clean, she threw away all the garbage on the coffee table, swept away the dirt on the ground, quickly packed it all and threw it downstairs, and then kept mopping the floor over and over again, as if the floor tiles were covered with viruses, and finally returned to the bathroom to put on hand sanitizer, rubbing her hands over and over again, until her mother called her:

"Mianmian~"

Liu Mianmian guessed that those people must be usury collectors, she had never been to the house in the suburbs, she didn't care about what was stored in the bank safe, although her parents had not accompanied her every day over the years, they also protected her very well, and she didn't mention anything she shouldn't worry about, just gave her a quiet time. But judging from today's situation, the situation has developed to the point that Liu Shijun cannot control it and cannot be recovered.

It doesn't matter, Liu Mianmian thought, as long as the family is okay, as long as that group of people never shows up again.

She turned her head to look at her mother: "Mom, are you okay?" Why are you here? ”

Li Shumin looked at the sensible daughter in front of her, feeling sad and guilty, for so many years, because she was disgusted with Liu Shijun, she was also alienated from her daughter by the way, and rarely cared about it. But Liu Mianmian has grown into an excellent and lovely girl.

"They couldn't find your father, so they came to me at the flower shop and forced me to get in the car and call your father, saying that if your father didn't show up again, they would go to you and your grandmother." Li Shumin burst into tears and continued: "Finally, you brought me here. ”

Liu Mianmian listened to the thunder in her heart, panicked and overwhelmed, tried to calm down, walked over and wanted to hold her mother's hand, but finally couldn't hold back, and instead hugged her mother and sobbed.

"Your father has already sold the Shida company, and the mortgage of the mortgage, along with this house, will be auctioned by the court immediately," the mother said sadly: "He didn't even leave you a bed to sleep in." ”

Liu Shijun started by selling building materials in his early years, and after 2000, with the strong growth of the global economy and the attraction of high returns, the economic market gradually derived a lot of financial instruments, Liu Shijun keenly smelled business opportunities, and then single-handedly founded Lizhou Shida Investment Consulting Co., Ltd., mainly relying on financing and lending, and then providing loan intermediary services to small and medium-sized enterprises and individuals.

Later, with the prosperity of the real estate market, social consumption intensity followed the rise, financing and lending were easy to obtain, and funds were in and out, and profits were rolling in. Although the risk of this line is large, but the ultra-high profits like opium lure every peer, Liu Shijun in the development of Shida business at the same time with several banks to establish a good relationship with the association, and with the guarantee company also established associations, ambitious he also gradually from the earliest million output to tens of millions.

The amount of money involved is huge, and once the crisis breaks out, it will be like a tsunami landslide, causing uncontrollable serious consequences.

Zhicheng Real Estate has been cooperating with Shida for many years, last year using the new development of real estate as collateral, deducting the service fee and risk margin to be repaid, borrowed 70 million from Shida, which was due to be repaid in July, and was delayed again and again, because it was an old customer, Liu Shijun promised to give it another three-month grace period, and the loss was deducted from the deposit.

As a result, something happened, and on August 3, the headline of Lizhou City News was impressive: Zhang Qicheng, chairman of Lizhou Zhicheng Real Estate Development Co., Ltd., committed suicide by jumping off the building!

Liu Shijun canceled all the trips at the first time, rushed back from the field overnight, and then did an investigation to know that there was a crisis inside three years ago, and in recent years, the east wall was demolished to make up the west wall, relying on the credibility and friendship with a number of financial companies, one thing and three arrivals, and lasted for an extra year, and finally the capital chain was completely broken, Zhang Qicheng had no way to ask for help, and finally couldn't bear it.

Negative news erupts suddenly, and it is difficult to stop. Seventy million is enough for Shida to burn his lair!

The first thing to consider is to stop the loss in time, turn around and recover the loan, the investment funds are broken, and the money released will be difficult to recover for a while, plus there are still a few dead debts, the whole Shida is paralyzed, and the wages of employees have been in arrears for two months.

The bank took the lead in attacking, and deducted 10 million yuan from the margin account of Shida and the bank in a timely manner as soon as possible, and the court summons followed, Liu Shijun couldn't resist the pressure of collection, and sold the assets under his name, and the offset was disposed of, and he didn't breathe a sigh of relief, and the private lenders also followed.

The negotiation failed to reach a grace period, and after being beaten for a while, Liu Shijun really had no way to deal with it, so he could only ask Liu Mianmian to come back and offset the dowry he had saved for his only daughter after years of hard work.

Liu Mianmian was shocked and didn't know what to say, she took her mother's hand and hurriedly said, "Is the house and the bank enough to pay those people?" ”

Mom nodded and said with difficulty: "Mianmian, that was originally a dowry for you!" Li Shumin turned around and looked at Liu Shijun and said hatefully: "This is your so-called hard work and career, when you were young, you didn't care about your family, I couldn't see you when I came out of the delivery room, and now you are middle-aged and have to affect me and my daughter, I will be threatened if I divorce you, how can you let Mianmian live normally in the future!" ”

Liu Shijun hugged his head dejectedly and said nothing, he had already had several suicidal thoughts.

"It's okay, it's okay mom!" Liu Mianmian hugged her mother and comforted: "It'll get better." Tears rolled down, panic and fear took over her body, but seeing her parents collapse like never before in front of her, she had to be strong.

"Dad, how much is there left to settle all the debts now?" Liu Mianmian asked weakly.

"Get 20 million, within half a year." This is already the best result negotiated by Liu Shijun, there are several loans at that time Shida provided information problems, at this critical moment he must be the first to solve the problem, otherwise he will be accused of fraud.

Liu Mianmian almost fainted and took a deep breath.

Now that their whole family is combined, it is estimated that there are not even 20,000!

Liu Mianmian and her father moved to live in her grandmother's house, and her father disappeared every day, and her grandmother didn't know it, so they only came to accompany her, an old lady, and made delicious food every time.

Liu Mianmian tried hard to pull the rice into her mouth, she didn't want her seventy-year-old grandmother to worry, she quit from the internship work phone, and this month's salary was naturally gone, Wen Ziqi called her over and over again, sent messages, she didn't know how to talk about it, she didn't know how to explain her family changes, she was tired of coping, and she didn't want to lie, so she could only delay and tell him that she would go back soon. Although her father didn't say it, she also saw it on the news that hundreds of people gathered at the door of Shida's company, and they were all creditors of Shida's savings. These creditors lent as much as millions, and as little as tens of thousands, forming a group to petition everywhere, looking for the person in charge of Shida, wanting to recover the loan and ask for an explanation, and even Liu Mianmian's former colleagues in the company told her that some creditors had called the company to find her.

She can't be involved in Wenzi, his bank work is not easy to come by, how many classmates envy him, so hard and so good in the child, let alone his parents, they will be frightened by this unqualified daughter-in-law and her family, how can her child bear these messy things, he is so sunny and kind, beautiful, so gentle, so hard working and living a normal life.

On this day, Liu Shijun came home in the early hours of the night, his grandmother's house was old-fashioned, and the sound insulation was not very good.

The man in his fifties was full of scum, his eyes were deep-set, a little smoke and alcohol, he changed his shoes, while looking at his beloved daughter and said happily: "Mianmian, your Uncle Wu is willing to help me, tonight we have a few friends together, we talked very well, he has three engineering companies under his name, in recent years, there is no time to take care of it, transfer one of the Rongsheng companies to me, and even the project that has just won the bid is also subcontracted to me, he is also willing to help me guarantee a loan in the bank, he said that tomorrow at noon, the two of them will have a meal, we have a turnaround!" ”

Liu Mianmian looked at her father in disbelief, and the next moment happily threw herself into his arms, and couldn't help but cry in two lines, she was so tired and tired in this half month, as tired as she had survived her life, she was frightened and frightened, and now she can finally breathe a sigh of relief, Wu Hairong is the chairman of the famous Hairong Group in Lizhou City, worth hundreds of millions, and Hairong Group has five-star chain hotels, restaurants, beauty salons, clubs, and municipal projects under its name. If Wu Hairong is willing to help Liu Shijun, then he will definitely be saved.

Her father really has a way, and Liu Shijun is really still Liu Shijun! Liu Mianmian hugged her father tightly, like a little mouse trying to survive in the ocean, clinging to the wooden rafters.

The next day, she changed into a set of clean clothes, and came to the luxuriously decorated private room on the second floor of the Stellar Hotel with her father, she was very excited, she wanted to thank Uncle Wu and Aunt Duan, she still remembered that they used to travel by car with several families, and Aunt Duan's photography skills were particularly good, and she took a lot of collector's photos. Although Uncle Wu looked a little colder, she still remembered their son Wu Zhengze, when she was in junior high school, Wu Zhengze was already in college, and they went out together to take care of her little sister very much.

Wu Hairong and his wife Duan Yaxin arrived as promised, the short-haired Duan Yaxin was capable and young, wearing exquisite makeup, wearing a bright red waist-cinching dress, holding a diamond-studded leather gold handbag, Wu Zhengze also followed, after taking a seat, Duan Yaxin looked at Liu Mianmian and smiled: "Old Liu, your daughter is really getting more and more standard, more amazing than when Shumin was young!" ”

Wu Hairong also smiled when he heard this: "Mianmian is both talented and beautiful, and he is the best student!" ”

"Really?" Duan Yaxin looked Liu Mianmian up and down: "The girl's family is good, well-behaved and sensible," turned his head and looked at his son again: "It's not like the bastard boy in our family, who doesn't do his job!" ”

Wu Zhengze was wearing a dark blue casual long-sleeved shirt, with two buttons scattered at the neckline, and a round head, sitting crookedly on the side, hearing his mother's sarcasm, the corners of his mouth were tilted up and did not make a sound.

Liu Shijun hurriedly said: "Sister Duan, you are really joking, but we watched grow up, this child is both civil and military, I heard that one person takes care of several stores, and the management is in good order." ”

Wu Hairong said coldly: "It's just a waste that can't be done!" ”

No one dared to say more.

Liu Mianmian's right eyelid jumped a few times for some reason, she rubbed her eyes, and quickly got up to pour tea for Uncle Wu and Aunt Duan.

After the dishes were served, Liu Shijun stood up, held a wine glass and said to Wu Hairong: "Brother Ang, thank you so much, brother toast you and sister-in-law." ”

The three adults all picked up their cups, touched each other and thanked each other, and Liu Shijun drank it all.

Wu Hairong took a sip and sat down, put down the cup and said to Liu Shijun: "Lao Liu, if you find a clean legal person, Rongsheng will be able to transfer it to you immediately, and there is naturally no problem with guaranteeing me, although Rongsheng has not had much business, and the flow of water is also eligible, but 20 million is not a small number, and the bank must sign a mortgage contract for loans, and there must be collateral!" He looked at Liu Shijun with embarrassment and said: "Although it is more risky for me to guarantee you, it is not easy for our brothers to go through ups and downs, and the bank also looks at the strength of Hairong Group, and I am willing to lend this amount of money because I came forward, but the collateral is a hard requirement within the red line of the bank's policy, and secondly, you should not want me," Wu Hairong paused and continued: "Let me end up like you, right?" Didn't Zhang Qicheng pit you like this! ”

Liu Shijun didn't know what to say for a while, and his face was extremely ugly.

Duan Yaxin also echoed on the side: "Lao Liu, you also know, our business is not easy to do, the cost is high, to put it bluntly, it is to engage in service, Lao Wu has expanded his business to the fourth and fifth tier cities in the past two years, and the competition among peers is fierce, and the replacement is fast, which is really difficult." ”

Liu Mianmian's heart is desolate, where is there any collateral, if there is, it will be sold and repaid the debt as soon as possible, what kind of guarantee loan do you have?

"Eldest sister, eldest brother, I know the policy conditions and your difficulties, we are all businessmen, it is not easy, but now that my brother is in trouble, I can't slow down this breath, when it comes over, give me time, I will definitely make a comeback!" Liu Shijun pleaded: "I even paid off the house I bought for Mianmian in the early years, and I really have nothing to use as collateral!" ”

In the early years, Shida also helped them a lot, and he also helped them in the most difficult times. This is also the reason why Wu Hairong really wants to help Liu Shijun, but 20 million is still a lot for the friendship between them.

Several friends were there last night, and there was also a leader who he and Liu Shijun had made friends with, plus after drinking some wine, Wu Hairong had no brains, and he was arrogant for a while, and it was difficult to collect it.

"Let's eat first! We take a long-term view and do it to help you on a basis that minimizes risk. Wu Hairong said: "Otherwise, I will lobby and lobby again to see if Lao He and Lao Guan have any capital needs, and whether they have the intention to join you in the bank to guarantee a loan, so that the risk is shared, and everyone's burden and risk will be lighter." ”

Liu Shijun hurriedly thanked him, but his heart was gloomy, he had limited time, and he really didn't dare to delay.

"Dad, Mom, you two are really broad-hearted, I am thirty years old, and I don't know how to give me Zhang Luo's daughter-in-law!" Wu Zhengze crossed Erlang's legs and said with a smile: "Mom, don't you always watch those TV series and have commercial marriages at every turn?" ”

Everyone at the table was stunned, Liu Mianmian almost fell under the table, and she looked at Wu Zhengze in horror.

"Liu Mianmian, I've liked you for a long time." Wu Zhengze looked at Liu Mianmian and played with taste.

Duan Yaxin was surprised, her eyes flashed a hint of gloom, and then she was surprised: "I said, why don't you bastard come back with a girlfriend?" Hurriedly turned to Liu Shijun: "Lao Liu, if our two families get married, we should prepare a thick dowry, after so many years of ups and downs, you also know that shopping malls are like battlefields, they are all fighting with their bodies, and no one has a mountain of gold there, we have a son, you are a daughter, become a family, close the door and become a family matter, we can talk about anything!" ”

Wu Hairong frowned and looked at his son, not knowing what medicine he was selling in his gourd.

Liu Shijun was overjoyed for a while, but he didn't dare to show it, and turned his head to look at his daughter.

Liu Mianmian's face was pale, and she was staring at Wu Zhengze with a puzzled face, her father was still begging, and she didn't dare to say anything at the moment.

Seeing that Liu Mianmian's expression was wrong, a burst of guilt rose, Liu Shijun instantly felt confused, and looked at Liu Mianmian in embarrassment, not knowing what to do.

Everyone was looking at Liu Mianmian, and when she made a statement, she cried anxiously: "Aunt Duan, I, I!" ”

"We'll talk about the two of us ourselves," Wu Zhengze sat up and said, "You adults just have to discuss the rest of the matter!" ”

Liu Shijun hurriedly said: "Yes, yes, Mianmian is still young, I remember being six or seven years younger than Zhengzheng, right?" The two children may not have seen each other for a long time, so get acquainted with each other first. ”

Duan Yaxin said happily: "That's okay, the two of you know each other, and you also played together when you were young, so you have an emotional foundation." ”

Wu Hairong had a bad seizure for a while, turned his head to Liu Shijun and said, "It's good to be young, haha!" ”

So the thank-you feast turned into an engagement feast.

But I don't know why, Liu Mianmian always felt that Aunt Duan's expression when she looked at her was a little meaningful, which made her uncomfortable.

even

It's like I've found a substitute?!

However, before coming, Liu Mianmian never dreamed that she would become the collateral instead.

"Am I the collateral?" She muttered, compassion from her heart. How should I be good!