Don't get me wrong, I really didn't mean to tease you

Although the urban area of ​​Kunming is numerically larger than that of Tianhai, in fact, although Kunming is large, there are only a few CBD areas with real gold content and obvious economic contributions. In 13, the city center of Kunming in the actual sense , or only the area around Dongfeng Square.

Jia Tiansheng drove Jia Yun to the Jiangong Building next to Dongfeng Square and Kunming Telecom Headquarters.

This is the location of Jia Tiansheng's company. The last time Jia Tiansheng brought Jia Yun here was before Jia Tiansheng sent Jia Yun to college. At that time, it was still an empty rough building. Now, the original rough building is full of people. The decoration is very beautiful. There is a whole floor of office building, where there are huge floor-to-ceiling glass windows as far as the eye can see. In this 29-story high-rise building, you can easily overlook the scenery of Kunming's city center.

There are about 15 employees in the company, some are on the phone to get business, some are typing on the keyboard, in short, everyone is working in an orderly manner.

It can be seen that Jia Tiansheng's business has also developed well during the six months when Jia Yun went to university.

"Boss Jia."

When the girl at the front desk saw Jia Tiansheng coming in, she greeted him politely, and then immediately helped Jia Tiansheng make tea.

When she saw Jia Yun who was following Jia Tiansheng, the little girl at the front desk's eyes lit up all of a sudden, and she secretly stared at Jia Yun several times.

Jia Yun didn't know why Jia Tiansheng brought him here, so he didn't ask, just waiting for Jia Tiansheng to speak first.

Jia Tiansheng walked to the floor-to-ceiling windows, looked at the sunny spring city street outside the window, took out a cigarette, lit it, took a puff, and then exhaled a circle of smoke.

Jia Yun originally wanted to persuade him. He knew that Jia Tiansheng already had high uric acid, high blood sugar, high blood pressure, and cardiovascular problems, but he knew his father's virtues too well.

Now that Jia Tiansheng's career is booming, when the spring breeze is prosperous, he can't listen to any unpleasant words.

"Jia Yun, tell me the truth, have you borrowed money outside?"

Jia Tiansheng exhaled smoke rings and asked slowly.

"I understand Nuonuo, she will definitely not touch it."

Sure enough, on the way here, Jia Yun probably guessed what Jia Tiansheng wanted to say to him.

"Heh, why don't you look down on me so much?"

Jia Yun smiled and said:

"I said I made money from opening a coffee shop. Is it unbelievable to you?"

People's views on things largely depend on their life experience and knowledge. Jia Yun's family, except Jia Tiansheng who is brave and brave, the rest of the relatives, especially the relatives of Feng Lan, It can be said that they are giant babies raised by the system. In their outlook on life, people only need to do one thing in their life, study, take an exam, and then work. This is the right way, and the rest are crooked ways.

Jia Yun is very clear that what he has done in Tianhai in the past six months has greatly exceeded the understanding of his family members. Therefore, in order not to cause unnecessary trouble, Jia Yun had already discussed it with his sister before returning home. , apart from running the coffee shop, do not disclose other things to the family.

"I really hope what you say is true."

Jia Tiansheng said blankly:
"But how many catties and taels you have, I still know it in my heart."

"I don't care where you get the money for renting a house, but I want to warn you that even if you are starving to death outside, you must never touch loans, especially the P2P loans that are popular in the market now."

"I'm in this business myself. Now how many college students your age don't have much money in their pockets, but they have a good face. In order to show off in front of others, they are willing to borrow money. In the end, they are ruined. The whole family is for him. His vanity paid for it."

Jia Yun was a little annoyed, and said bluntly:

"Dad, now is the Internet age, why don't you open Baidu first and search for the word Luckin Coffee?"

"No matter how bad it is, you can ask Lu Erbo, ask him, how is my coffee shop doing?"

Jia Tiansheng originally wanted to educate his son earnestly, but he was taken aback when he heard Jia Yun's words, then took out his mobile phone, and searched for the word Ruixing Coffee in the search engine.

And the search results that popped up in the next second stunned Jia Tiansheng.

Jia Yun knew what Jia Tiansheng found out without looking at it. After all, he burned so much money every day to buy traffic and promotions for Ruixing, and the money was not spent in vain.

"Ruixing Coffee, the Chinese own coffee!"

"Ruixing, leading the national brand!"

"Did you drink your first latte in winter?"

"Ruixing joins, and the country's investment promotion is in full swing!"

If he hadn't seen the Ruixing signboard designed by Jia Yun, Jia Tiansheng would have thought that he was searching for a top-tier commercial coffee in China.

"Have you opened a branch?"

Jia Tiansheng looked at his phone, and then at Jia Yun suspiciously.

"Ah."

Jia Yun nodded and said:
"I actually didn't expect to open so many branches, but it seems that my products are more popular than I expected."

Jia Tiansheng didn't speak, and continued to look at his phone. When he saw a hot search saying that Nanjing would usher in the first Ruixing store during the Spring Festival, the expression on Jia Tiansheng's face suddenly became complicated.

"It is impossible to achieve this level by selling some coffee alone."

After all, Jia Tiansheng is an old Jianghu, so he immediately realized something was wrong and asked:
"Did you get investment?"

"of course."

Jia Yun smiled and said:

"Otherwise, as you said, how could it be possible to achieve this level by selling some coffee?"

"It is estimated that in half a year, there will be a store in Yunnan."

"How much investment did you pull?"

"Not much, calculated one after another, less than [-] million."

Between Jia Yun's few words, he directly silenced Jia Tiansheng's words.

He originally wanted to bring Jia Yun to his company and let Jia Yun see the country he had built in the past six months, but when he heard the figure of [-] million, he suddenly felt a little skeptical about life.

His first reaction was to question it instinctively, but the search results on his mobile phone can't be faked. For a moment, he suddenly felt that the office building that he was proud of was narrow and small.

"Dad, this is Tianhai, and this is the weight of an international financial capital."

Jia Yun said flatly:

"In Tianhai, as long as you find a good business opportunity and a good project, you will never have to worry about the source of funds."

"I suggest that you don't tell my mother about this matter. You know their virtues. I'm in the development stage of my career now, and I don't want to be interfered by them."

Jia Tiansheng silently snuffed out the cigarette butt in his hand and threw it into the ashtray.

His mood at the moment is a bit complicated.

Although he is not good at words and has a strict style of work, it has always been his greatest long-cherished wish to have a child become a dragon for so many years.

When he was old, he abandoned his stable job in the system and started his own business and worked hard. Jia Tiansheng did this half for himself, but more for laying a solid foundation for his son and daughter.

Compared with her well-behaved and sensible daughter, Jia Yun has been worry-free since she was in middle school. Although Jia Tiansheng is not as nagging as Feng Lan, who always talks about everything first, but sometimes when she thinks of Jia Yun Once a bad performance, you will not be able to sleep night after night.

However, when the son who had let him down and worried suddenly became extremely good, Jia Tiansheng was happy, but also felt a little inexplicably lost.

It was as if the struggle of half my life had suddenly become meaningless.

"Then what are you going to do next?"

"What else can I do? I'm reading and running my broken coffee shop at the same time."

Jia Yun smiled half-truthfully and half-falsely:
"But compared to my affairs, Dad, I have to advise you to stop earlier."

Jia Tiansheng was taken aback when he heard the words, and asked:
"Stop it? What kind of hand?"

"Of course it's your current loan business."

Jia Yun said:
"Now the P2P business is temporarily in a gray area, it is neither legal nor illegal, but as you said just now, this kind of small loan business is emerging in endlessly, and more and more targets are targeting teenagers, causing many family tragedies. "

"Do you think the country will ignore it if it continues to develop like this?"

When Jia Tiansheng heard this, he smiled disdainfully and said:

"Don't worry, there are so many P2P businesses in China now, who cares? If this industry is banned, who will absorb those unemployed people?"

"Besides, what I do is car loans, and I don't have the money to cheat college students."

"That being said"

Jia Yun persuaded helplessly:
"But when this industry attracts the attention of the state, all P2P businesses will be banned with a swipe of a pen at that time, who cares whether you are doing car loans or campus loans?"

"Besides, Dad, you never thought about it. What if one day the loan you extended meets Lao Lai and you can't get it back?"

"You know, your business is not protected by the law. If you use violent methods to collect money, then you will be the one breaking the law."

Listening to Jia Yun's speech, Jia Tiansheng smiled and asked:
"Then tell me, what should I do if I don't do car loan business?"

Jia Yun did not hesitate, and said directly:

"I suggest that you pack up and sell all the businesses in your hands, cash out your stocks quickly, and go to those villages in the cities to buy as many houses as you can."

"Yunnan is a big tourist province, and Kunming is a city of spring. Housing prices are definitely rising steadily. When the time comes to catch up with the demolition, wouldn't it be safer than walking on the tip of the knife every day?"

"By the way, I plan to go to Pu'er to contract a piece of land and grow coffee beans myself. I will produce and sell them myself in the future, so I don't need to spend high prices on imported coffee beans."

"If you are interested, why don't you set up a company to help me run the coffee bean plantation?"

When Jia Tiansheng heard this, he couldn't help laughing and said:

"Ha, I don't want to do the financial industry where the money comes in so fast, and run to grow coffee beans that I don't know when I will pay back?"

"It's a good thing for young people to have ideas. You can make such achievements at a young age. It's really amazing, but don't be blindly confident because of it."

As he spoke, Jia Tiansheng waved to a salesman next to him.

"Xiao Zeng, are you going to collect that Li Fangying's car this afternoon?"

The young man next to him who was concentrating on the computer nodded and said:
"Yes, this guy has been past the repayment deadline for a long time, and I will leave immediately."

Jia Tiansheng said:

"Well, you don't have to go, I'll take someone there in person, and you give me the car keys."

The young guy nodded, and found a card with numbers and letters from the drawer, then went to another office, got the corresponding car key with the card, and delivered it to Jia Tiansheng.

Jia Yun saw the Trident logo on the car key at a glance, oh, Maserati.

"You come with me."

Jia Tiansheng got the car keys, took Jia Yun and left the company, took the elevator to the underground garage, got into his BMW, and drove to a high-end villa area near Dianchi Lake.

"You find a way to get in and find a Maserati with the license plate number Yun A*****, and then use this key to drive home."

Jia Yun didn't ask much, and took the car keys from Jia Tiansheng.

This community is quite famous throughout Kunming. It is very close to Dianchi Lake and has a good lake view, so the price is not cheap, and the access control is very strict. Outsiders generally cannot enter.

Jia Yun walked to the gate of the community in a big way, squatted down at the closed gate, pretended to tie his shoelaces, and then stood up and followed when someone next to him entered.

Of course, the security guard next to him was not blind. Just as he was about to come over to ask, Jia Yun shook the Maserati car key in his hand and said:
"My car is inside."

Jia Yun was already very handsome, but when he saw the car key in Jia Yun's hand, the security guard didn't ask any more questions.

This kind of high-end villa complex is generally not very large. Jia Yun walked around inside and saw the Maserati that Jia Tiansheng was talking about at a glance. It was a royal blue Maserati Ghibli, and the current price was 100. about ten thousand.

Although Jia Yun has never driven a Maserati before, luxury cars at this price have similar control modes. He skillfully opened the door with the keyless touch mode, sat in, and felt the leather seats of Maserati, um, It was much more comfortable than a BMW, then lit the engine, drove out of the community with ease, and greeted the security guard when passing by the gate.

Jia Tiansheng's BMW was parked on the side of the road outside the community. He was smoking in the car. When he saw Jia Yun driving out, he waved to Jia Yun and signaled Jia Yun to stop the car.

"The owner of this car is one of my clients."

Jia Tiansheng exhaled smoke rings and said unhurriedly:
"She is what you said, the old Lai who borrowed money and never paid it back."

"You haven't learned about this industry. Now the lending model has developed very maturely. For those of us who make mortgaged cars, we don't need to impound her car for a long time, but let her drive it. But we need a spare Car keys, and a positioning device installed on her car."

"Just like the owner of this Maserati, once she doesn't pay the money, I can force her car to be taken away and mortgaged at any time, no matter where she hides."

"So, your worry is really unnecessary."

"But Dad, your business is doing so well now, besides your own lending, you should have other downlines to help you lend, right?"

Jia Tiansheng did not deny the words, nodded and said:
"Of course, as long as they have the ability to release the money, I can get a cut of it. The more the better."

"Then these people don't care how much money they come to you, will you give it?"

Jia Tiansheng thought about it and said:

"Of course not, I will find someone to do a risk assessment."

Hearing this, Jia Yun understood that Jia Tiansheng was lying.

Of course, at present, Jia Yun does not doubt that Jia Tiansheng is carefully assessing the risks of each loan.

But Jia Yun is very clear that it won't take long for Jia Tiansheng to be blinded by money and relax the threshold of risk assessment, especially after the stock market crash in 15, in order to make up for his losses in the stock market, Jia Tiansheng was almost lending at that time It was as random as releasing water, which eventually led to huge debts that could not be recovered, and finally formed a triangle debt, which led to the bankruptcy of the Jia family.

Jia Yun originally wanted to say something to persuade his father, but as the saying goes, good words are hard to persuade, damn ghost, if my father was the kind of person who would listen to advice, he would not have gone to such a field in his previous life.

"This car is not bad, how much can it be exchanged for when it is mortgaged?"

Jia Yun stroked the Maserati's leather steering wheel and asked.

"Less than 50."

Jia Tiansheng smoked and said:

"So, how did I warn you before? Don't judge a person by his appearance."

"Take the owner of this Maserati as an example. She has four apartments in Kunming, lives in a villa next to Dianchi Lake, and drives a Maserati. On the surface, she has a lot of light, but in fact, this woman owes a whole lot of debt, and she has already mortgaged three houses. , not even a mere 50 yuan, but still showing off all day long, swollen face to pretend to be fat."

Indeed, there are many such people in society, and they dare to do anything in order to satisfy their own vanity.

"Then how about this, the car will be mortgaged anyway, why don't you sell it to me at a low price?"

Jia Yun said with a smile.

Jia Tiansheng was taken aback when he heard the words.

"Huh? You want this car?"

"Well, it's Maserati after all."

Jia Yun said:
"I originally planned to come back and buy a car as a means of transportation. I think this car is in good condition. Since there is a ready-made one, there is no need to spend more money."

Jia Tiansheng was stunned for a while, then couldn't help laughing out loud.

"Boy, this is the car I want to mortgage. If you want to use the car, I will drive you the Highlander."

"Sorry, that broken Japanese car really can't catch my eye now."

Jia Yun laughed.

"Oh? Such a big tone?"

Jia Tiansheng glanced at his son and said:
"You can want this car, but father and son belong to father and son, and business belongs to business."

"If you want it, you have to buy it with real money, but don't expect me to lose a penny for you."

"Okay, deal!"

Jia Yun smiled and said:

"Spend 50 yuan to buy a Maserati worth more than 100 million yuan. Why not do it? I'll call you the money when I get back."

"and many more."

Jia Tiansheng suddenly stopped Jia Yun.

"Why don't we compare?"

"Competition? Competing with what? You don't want to compete in drag racing, do you?"

Jia Yun smiled at Jia Tiansheng in the cab of Maserati:

"I'm sorry, but even if your BMW 530 blows out, it won't be able to outrun this Maserati."

"Oh, I'm not so naive."

Jia Tiansheng smiled and said:
"I mean, you open your coffee shop and I take care of my car loan. How about we compare and see whose business is bigger and more successful in the end?"

After finishing speaking, Jia Tiansheng stepped on the accelerator and headed straight for home.

Looking at the BMW taillights gradually disappearing from sight, Jia Yun smiled helplessly and sighed.

"Oh, I'm really not good at persuading people."

Unexpectedly, persuading my father to turn back failed, but instead aroused the middle-aged man's desire to win.

Jia Yun shook his head, and also stepped on the Maserati's accelerator.