While eating in the evening, Cao Shujie received a text message.

reminded him that the 15 million loan of Yiling Rural Commercial Bank was approved, and the loan would be disbursed within 5 working days, and let him pay attention to the SMS reminder of the collection.

When he saw this prompt, Cao Shujie was a little confused.

He submitted the loan application in May, and it took more than a month before it was approved.

I've been so busy that I've forgotten about it.

It stands to reason that a high-quality customer with such good qualifications like him should not delay the issuance for such a long time!

"Shujie, what's wrong?" Cheng Xiaolin saw that her husband's face was different, and asked him.

Cao Shujie didn't hide it from her, let alone from his family: "The two-year low-interest loan I applied for last month was just approved. ”

Wang Yuelan and Cao Jianguo didn't know that their son was going to apply for a loan again.

Suddenly hearing his son mention this, Cao Jianguo subconsciously asked, "Shujie, don't you have enough money in your hand?" We still have more than 200,000 here, you can use it. ”

"Dad, don't need it, I'm not short of money." Cao Shujie explained to them.

"The money in my hand has some other uses, and this time I applied for a low-interest loan of 15 million yuan to pay for the purchase of equipment and the cost of plant renovation and upgrading."

Hearing her son say this, Wang Yuelan and Cao Jianguo were stunned.

I clearly remember that when their son and daughter-in-law just came back from the capital, the son also said that he would not borrow loans in the future, but the amount of loans borrowed several times was more and more each time.

Fortunately, their sons have earned it, but they don't worry about not being able to pay it back.

But this time, the 15 million loan is too much!

Wang Yuelan and Cao Jianguo felt that they couldn't keep up with their son's train of thought, and they didn't ask their son more what they were doing with the money.

After dinner, Cao Jianguo and Wang Yuelan stayed to play with their granddaughter for a while, and when they saw that Mengmeng was starting to get sleepy, they left together.

Cao Shujie has been chatting with his grandfather.

It wasn't until his grandfather was also sleepy and went to rest in the bedroom that Cao Shujie took his mobile phone upstairs.

His wife Cheng Xiaolin was coaxing Mengmeng to sleep at this time, Cao Shujie pushed open the door and went in, Mengmeng saw him coming, but she was refreshed again.

"Daddy, hug me." Meng Meng broke free from her mother's arms and ran towards her father.

Cheng Xiaolin, who was angry, didn't want to deal with her.

"Mengmeng, it's too late, you should go to bed." Cao Shujie said her.

Ke Mengmeng shook her head: "I can't sleep." ”

"That's not going to work, hurry up and rest, Dad will take you out tomorrow." Cao Shujie said.

As soon as Meng Meng heard that she was going out to play, she asked, "Where are you going?" ”

"You'll find out tomorrow." Cao Shujie didn't tell her.

Meng Meng lowered her head and said, "Okay then, I'll go to sleep." ”

It didn't take long for Cheng Xiaoling to fall asleep with a longing for Mengmeng.

Cao Shujie saw that the time was only past nine o'clock, and he thought about calling Ma Changrong and asking why it took so long for the loan to be approved.

So he told his wife, and he left the room and went outside to make a call.

After waiting for Ma Changrong to answer the phone, Cao Shujie listened to the sound of the other person being drinking, and others shouting for another drink.

"Manager Ma, is it inconvenient?" Cao Shujie asked.

Ma Changrong said directly: "Convenient, Boss Cao, if you have anything, just say it directly." ”

"Manager Ma, that's the case, the 15 million loan I applied for from you last month has just been approved, and I just received the text message."

After Cao Shujie finished speaking, he asked him: "Why did it take so long to approve it for me, it stands to reason that it shouldn't be?" ”

"Boss Cao, don't mention this, I'm also upset."

"Something happened?" Cao Shujie thought to himself.

Ma Changrong continued: "The bank's policy is also changing day by day, and the head office urged us to hurry up lending last month, but the policy given to us at the beginning of this month is to tighten loans, which is really damn good." ”

He said: "According to the original plan, I still have a few customers who also want to approve loans, but now, those few people have not passed the review." ”

"I didn't expect Boss Cao's loan approval to be approved, which is really good news!" Ma Changrong congratulated Cao Shujie.

According to him, Cao Shujie's loan can be approved, which also means that Cao Shujie's 'credit' is very good, otherwise no one will hold you at all.

"So that's what happened, so the economy is worse?" Cao Shujie was thoughtful.

Ma Changrong told him: "Boss Cao, I can't say this, maybe you know more information than I know, but since June, the economic market across the country has changed a lot." ”

"You get on the device at this time, I think it's ......"

Ma Changrong's words were not finished, but Cao Shujie understood what he wanted to say, and it may not be safe to use the equipment at this time.

He is also not optimistic about Cao Shujie's loan investment at this time, for fear that Cao Shujie will really not be able to recover the investment money.

But then again, he is not afraid that Cao Shujie will not be able to repay the money, compared to the funds in Cao Shujie's account, what is the 15 million loan?

"Boss Cao, since you have received the text message, the loan will generally arrive within 5 working days, you should also pay attention to the account information, and repay the loan on time in the later period." Ma Changrong said.

This loan is different from Cao Shujie's previous interest-free loan.

The loan of 15 million yuan, according to the 7% discount discount of the current two-year interest, has generated a total of 699,000 yuan of interest, and the monthly principal and interest repayment is 654,114.61 yuan.

Ma Changrong felt that the entire Qingshi Town could withstand such a high repayment amount.

In addition to him, even those enterprises in Qingshi Town that have been open for ten or eight years may not be able to withstand it!

"That's a strange guy." Ma Changrong sighed.

He watched Cao Shujie go from being penniless to getting to this point, and sometimes he had to sigh that people's opportunities were coming, and he really couldn't stop it.

"Director Cao, when you have time, I'll invite you to have a drink." Ma Changrong took the initiative to say.

Cao Shujie also agreed, if he wants to take out a loan in the future, he will definitely ask Ma Changrong for help.

"Boss Cao, wait for my call." Ma Changrong said.

Putting the mobile phone in his trouser pocket, Cao Shujie thought about what Ma Changrong had just told him, thought quietly for a while, and when he returned to the house, Cao Shujie did not enter the bedroom, he turned on the computer, thinking about checking the latest news on the Internet.

There must be traces of the sudden tightening of monetary policy on the part of the banks.

After waiting for the computer to start, Cao Shujie opened the browser and typed in the sentence 'Did the bank tighten loans in 2013', and then came up with a link, all about the topic of the bank tightening loans.

Cao Shujie looked at the content carefully, and he found that the delay in the disbursement of bank loans was not an exception.

There is a similar situation all over the country, and many netizens have complained about this matter on the Internet.

Like his, the loan was delayed for a month, and the approval was relatively fast.

There are also several netizens who said that they have applied for a house loan for two or three months, and there has been no movement.

This made Cao Shujie wonder in his heart, and then carefully screen the content that is useful to him in this information.

Cao Shujie found that banks did tighten during this time, the most obvious of which was housing loans.

The general reason is that the interest rate of the mortgage loan is too low, and the income is too small for the bank.

It is far less profitable than their short-term loans or small and micro loans to enterprises.

So much so that there is a netizen on the Internet who said that after failing to apply for a housing loan for two consecutive months, he applied for a consumer loan through various operations of the intermediary......

That's a really sassy operation.

Cao Shujie slowly looked at these contents, and he found that there was another possibility.

According to the article, the total amount of new non-performing loans of 12 listed banks last year was 76.3 billion yuan, but the total amount of non-performing loans in the first two months of this year has exceeded 60 billion yuan, and banks are also controlling risks.

Perhaps it is a combination of many reasons that have formed the phenomenon of 'money shortage' in the market.

"I see?" Cao Shujie didn't fully believe the news on the Internet.

But he knew there must be a connection here.

Thinking of this, Cao Shujie suddenly remembered something and hurriedly opened the securities client.

Stretching the long line, Cao Shujie noticed an anomaly.

In May, the Shanghai Composite Index peaked at 2,300 points, but closed at 1,903 points at the end of the month, with a minimum of more than 1,800 points.

In a month, the Shanghai Composite Index fell by more than 400 points.

In June, the Shanghai Composite Index rebounded to 2,092 points at the beginning of the month, but then began to fall again, and now hovers at 1,920 points, more than 70 points higher than the lowest point in May.

"More than 1800 points? Is this a fall to the bottom? To bottom out and start to rebound, take the long bull route? Cao Shujie pondered.

Combined with his memories, Cao Shujie realized that it should be a good time to lurk in at this stage.

With the historical trend unchanged, there will definitely be a big bull market in the next two years, and Cao Shujie has already put his selected stocks in the self-selected stocks.

Looking at CITIC Securities is now more than 10 yuan, Fushun Special Steel is now less than 5 yuan, and the highest price of Flush at the beginning of this month is only 18 yuan, but Cao Shujie remembers very well that the peak price of Flush in the big bull market is 181.88 yuan, which is a very strange number, which makes him remember deeply.

He remembered that the lowest price of the month after the straight flush ended the bull market was 78.88 yuan.

But he doesn't have such a deep memory of other stocks.

Thinking a little preoccupied, muttering in his mouth, Cao Shujie didn't even notice that his wife came to stand behind him.

"Shujie, what are you busy with?" Cheng Xiaolin asked him.

Cao Shujie came back to his senses and said to his wife: "I just called Ma Changrong and asked him what was the matter with the slow loan disbursement. ”

"Found the reason, is your information unqualified? Or is it something else? ”

Cheng Xiaolin was also curious.

It stands to reason that there is no problem with her husband's qualification to lend money, how can she still encounter a delay of one month?

Cao Shujie pointed to the information found on the computer screen, combined with his conjecture, and explained the reason to his wife.

After listening to this, Cheng Xiaolin said: "So, this problem generally exists in the market? ”

"Yes." Cao Shujie nodded, and he pointed to the open securities client to zoom in on the Shanghai Composite Index to show his wife.

"Wife, look at the trend of the Shanghai Composite Index from May to the present." Cao Shujie used the mouse arrow to draw this range to his wife.

"What does it mean that it has dropped 400 points in a month?"

Regarding Cao Shujie's question, Cheng Xiaolin doesn't understand this part and never understands it.

Cao Shujie told her two words: "Stock market crash!" ”

"Don't look at the short period of this month, the index of more than 400 points has fallen, and there are many people whose stocks have at least halved, and the losses are unbearable."

"Anyone with poor psychological tolerance will jump off the building directly."

Cheng Xiaolin couldn't help frowning when she heard him talk about this: "Is it so powerful?" ”

Cao Shujie nodded and said, "It's worse than I imagined." ”

"Then you still want to buy it?" Cheng Xiaolin still remembers that the reason why her husband lent out the 15 million funds was to let their own money flow into the stock market.

Her husband knew that there was a pit in front of him, so why did he go in?

Hearing his wife ask, Cao Shujie said with a smile: "Wife, this is a pit for others, but for us this is an opportunity." ”

"If you think about the stock market, there are cycles, and the economic cycle can be linked, at this stage, the big market is not good, and the stocks are also falling very badly, but there are low and high, let's go in and buy the bottom."

Cheng Xiaolin remembered a very classic sentence, she said: "But what if you want to copy the bottom, but you copy it halfway up the mountainside?" ”

Cao Shujie was caught off guard and directly broke the defense.

Looking back at his wife seriously, Cao Shujie gave him a thumbs up: "What you said is really right." ”

Cheng Xiaolin gave her husband a blank look: "Did I say something wrong?" ”

This is a problem that many people will make, Cao Shujie doesn't think that he can completely avoid it by relying on the memory of his previous life, so he also agrees with what his wife just said.

"Wife, I call it taking the initiative to buy a set, and when the economic cycle is completely reversed, I will eat the profits from the back." Cao Shujie has words.

Cheng Xiaolin didn't understand these at all, she shook her head and said, "Anyway, whatever you say is reasonable, I can't say anything about you, you can do it yourself." ”

——

"By the way, I haven't looked at bitcoin for a long time, how much is the bitcoin you bought?" Cheng Xiaolin remembered something and asked her husband.

Cao Shujie didn't bother to look at it during this time, and when he heard his wife asking, Cao Shujie directly opened the BTC trading platform: "I have to check it." ”

After logging in to the trading platform, a candlestick chart will appear, showing the current price of $111.29.

Compared with the last time they watched it, the price has fallen again, but whether it is Cao Shujie or Cheng Xiaolin, the two of them are used to the ups and downs of Bitcoin.

"You play, even if you invest all our savings in the stock market and lose it, you sell all these bitcoins, and you won't be poor and hungry." Cheng Xiaolin came to say this.

Cao Shujie reached out and pumped her buttocks: "What do you say?" Can you tell me something nice, and I'm bound to lose money? ”

"Who knows, Shujie, I'm not sure if it's right or not, but I always feel that this stock market is the same as a casino, and it's better to be cautious about entering this thing." Cheng Xiaolin said this insight.

She originally memorized the stocks in her husband's self-selected stocks, and was thinking that she would also take the time to open an account and invest her own money.

But at this time, Cheng Xiaolin was unwilling to gamble.

She always felt that it was enough to have her husband take risks alone, and she still saved the money and kept it for the family's emergencies.

Cao Shujie didn't know that his wife still had this kind of thought, but when he heard his wife's statement, Cao Shujie also agreed.

"Wife, you're right, this is a casino."

"Some people come in and win gambling and make money happily, lose money and leave, or a set for many years, if they catch up with the company's delisting, they will lose all their money." Cao Shujie sighed with emotion.

But that doesn't stop him from scavenging in known markets.

It's like he bought Bitcoin, saying that he has faith, but to put it bluntly, it's not because he knows that Bitcoin will eventually rise above the sky.

If he didn't know something, Secretary Cao would rather plant his more than 200 acres of orchards and raise hundreds of cows, and do these things more steadily.

Cheng Xiaolin watched that it was getting darker and darker outside, and didn't listen to her husband's nonsense anymore, and said to him: "It's too late, hurry up and go to bed, and I'll talk about it tomorrow." ”

"Okay!" Cao Shujie nodded, but he was also thinking in his heart, he had ambushed all the money in the past few days.

At present, it is already a low point in terms of the broader market index, and there is limited room for further decline.

When he got up early in the morning on the second day, the first thing Cao Shujie did was to walk the dog.

When he was done, he went to the orchard again, and the kiwi grew more and more pleasantly, growing bigger and bigger day by day.

The trees also bear more and more fruit.

Cao Shujie was very happy.

Compared to Bitcoin and the stock market, this is the root of survival.

Before I knew it, half a day had passed.

Coming down from the mountain, Meng Meng ignored him when she saw him.

Cao Shujie still wondered, where did he offend his daughter again?

Then I heard Meng Meng muttering: "Dad, you still said that you would take me out to play, but you couldn't find anyone." ”

Cao Shujie slapped his head with his backhand, and he remembered.

I promised my daughter before going to bed last night that I would take him out to play today, how could I break my promise?

"Mengmeng, hurry up and eat, I'll take you out after eating later." Cao Shujie said.

When Mengmeng heard her father say this, she became happy: "Then where are you going to take me to play?" ”

"Why don't we go to the Yellow River." Cao Shujie thought to himself that at this time, it was still cool by the Yellow River.

Mengmeng had nowhere else to go, so she nodded helplessly: "Okay then." ”

"Hey, look at your grievances, Mengmeng, Dad will take you to the provincial city to play in two days, okay?" Cao Shujie asked her.

Hearing her father say this, Mengmeng nodded hurriedly and agreed: "Okay, where are we going to play?" ”

"We'll talk about it then." Cao Shujie coped with it again.

But when he went to the Yellow River to play this afternoon, Cao Shujie didn't miss the appointment again.

Cao Shujie was riding an electric tricycle in front of him and was about to go out, and Meng Meng shouted loudly behind him: "Dad, bring fishing rods and fishing nets." ”

"You still want to fish?" Cao Shujie asked her.

Meng Meng rolled her eyes: "Why else are you going to do it?" ”

Okay, what the girl said was a holy decree, and Cao Shujie obeyed it unconditionally.

went to the south house to find out the fishing rods and nets that had not been used for a long time and put them in the car body, and said to his wife and grandfather again, Cao Shujie rode an electric tricycle and drove towards the Yellow River in the east with Mengmeng.

(End of chapter)