Chapter 363 The Invisible Future
Xiaopang wants to borrow money?

The sun really is rising from the west.

Before his rebirth, only Li Yan came to him to borrow money. Although Xiaopang is not a top-notch rich second generation, he is definitely qualified to enter the circle of "rich second generation".

So now Li Yan is richer than the second-generation rich, a reversal of status?

Although Li Yan had never borrowed money from Lin Zhiyuan in his previous life, because he was rather averse to borrowing money.

Asking others to borrow money would put him under a lot of pressure, and he always felt that except for some serious unexpected events, borrowing money would show his poor financial management ability.

And the key point is that his nervous mentality of feeling that he owes his creditors will also make his creditors uncomfortable.

All in all, it's hard to find the balance point.

He would rather save a little for himself, ensure that he has some savings, and not borrow money from others unless it is absolutely necessary.

Similarly, he would not be willing to lend money to others.

He would rather give.

The most embarrassing thing about borrowing money is that when someone actively pays back the money, you have to thank them, as if it is something that should be taken for granted; when someone accidentally forgets, you have to worry about how to remind them, even though you are the debtor, which adds to your worries; when someone forgets on purpose...

The only consolation I can have is that I lost my money and recognized a person clearly.

In short, the saying "the one who owes money is the boss" has become a common saying, and there are indeed enough examples to support it.

Given his relationship with Xiaopang, it can be put in the "special circumstances" column without having to worry too much about it.

"How many?"

"Two hundred thousand."

To be honest, it’s not easy to make Li Yan stunned now.

You have something, Fatty.

Li Yan called directly, Xiaopang picked up the phone immediately, and then said:

"Wait a minute, Mr. Yan, I'm going to a place where there's no one."

"What's the matter? Are you in debt?"

"no no."

It sounds like Lin Zhiyuan isn't panicking; at least he hasn't joined a pyramid scheme.

"I wasn't going to ask you for money, but two hundred thousand doesn't sound like enough to buy toys."

"...Master Yan, in your eyes, is the only way I spend money to buy toys?"

"If you buy books or teaching materials, or even just a bookshelf, I believe your father will fully support you."

Lin Zhiyuan was silent.

Li Yan couldn't help but frowned, "Did you guess right? It means I can't tell your dad about this?"

"Ah."

Isn't it a problem of premature love?

You kid, just tell me the truth when the time comes. I'm not your dad!
"what happened?"

"Mr. Yan, do you have a girl you like?"

Wow, this is really the route.

"No."

"You do, Senior Wei, stop lying."

Why ask a marketer when you have already established the facts? For Xiaopang, it's just a way to get in.

"speak."

"I have a girl I like, too."

Li Yan remained silent.

"She was also very good to me. Now her relative had a car accident and her family doesn't have much money. She has been in the ICU for a few days and can't stand it any longer. She is trying to collect the surgery fee and is short of 200,000 yuan."

The reason is simple, direct and clear.

But when Lin Zhiyuan said this, he sounded so weak that his voice was shaking.

"Zhiyuan." Li Yan said seriously, "To be honest, two hundred thousand is not a lot of money for me now. I treat you as a brother, and I will give it to you if you need it. You don't even have to pay it back, but I must know the real situation."

Lin Zhiyuan's breathing became rapid on the other end of the phone.

"I only need to know three pieces of information: what's the name of the girl you like, what's her relationship with the relative who got in the car accident, and what hospital she's in."

"No... don't ask these questions, Mr. Yan..."

There is something wrong in my heart.

Li Yan suddenly got furious. You little fat boy, are you trying to play tricks on me?
"explain."

Lin Zhiyuan sighed deeply, "I'm sorry, Master Yan, I'm really sorry. I didn't mean to lie to you, but I really... don't know how to say it."

"Nothing to say, just tell the truth." Li Yan's tone had turned cold, "Either don't look for me, or tell the truth. I really don't like people lying to me."

"Because it's my dad who needs the money."

Li Yan's brows furrowed even more.

"Since half a year ago, he has always been gloomy, and even my mother has become taciturn. Can you believe it? My mother is taciturn!"

Well, judging from the emotion of this sentence, the fat guy is telling the truth.

Li Yan listened attentively.

"Every time I go home on weekends, I feel very strange. I ask him but he won't tell me. My mom says that business is not as good as before and they make less money. I did better in my studies during that time, so I guess that helped to alleviate some of their unhappiness. Alas, Mr. Yan, this is why I haven't been looking for you much recently. Every family has its own problems."

"What about the two hundred thousand?"

"We haven't talked about that yet. You were busy with something important this summer, so I didn't dare disturb you and went back to Lincheng. As a result, my dad said he wanted to stay in New Taipei to 'do something'. According to my mom, he wanted to make a comeback."

Li Yan's brows, which had just relaxed, became frowned again in alertness.

"It's also good luck. There's a girl in my class whose family runs a business similar to my dad's, both of which deal in ceramic products. My dad's company suddenly lost cooperation with two major customers, and it fell into a vicious cycle. He kept saying that as long as there were customers, everything would recover at any time."

"Talking about cooperation?"

"Yes, and we are going to participate in an exhibition together to open up overseas sales channels." Lin Zhiyuan was actually a little excited when he said this, and he was no longer as depressed as he was at the beginning.

"It requires a lot of initial investment, and your father has been running the business poorly for half a year... well, um, capital turnover issues, so he's a bit passive?"

"Young Master Yan, you are worthy of being the CEO!" Lin Zhiyuan couldn't help but said loudly, "That's what happened. Last time I heard my dad saying that the pressure of initial investment was getting greater and greater, and he told my mom in the kitchen that the first batch of goods to be delivered after the exhibition was still two hundred thousand short..."

"So you want to borrow some money from me to help your father make a comeback, but you also want to take care of his self-esteem, so you don't tell me the truth?"

"...Yes." Lin Zhiyuan's voice dropped again. "I'm sorry, Mr. Yan, I really didn't mean to lie to you. My dad has a strong sense of self-esteem, and you two know each other. I told him that I got the money with other reasons, and he might be more receptive."

"You need help from others, so why should you have self-respect? You are so proud, just prove it by making a comeback." Li Yan sighed, "I feel better when you say that. I think you have a conscience."

Lin Zhiyuan chuckled twice.

"But..." Li Yan suddenly changed the subject, and Xiao Pang's heart began to lift. "How much money did your father invest in this so-called cooperation? How come he can't even come up with 200,000?"

"I'm not too sure about this..." Lin Zhiyuan groaned for a long time, "I heard that they invested one million yuan to participate in the exhibition and the first batch of products. Their cooperation has a corresponding investment ratio. My dad should be short of money."

"I can help you with this, but I want you to do it in an open and aboveboard manner, okay?"

The little fat boy was immediately confused. "I'm afraid my dad won't accept it, and then he'll scold me for acting on my own..."

Do you have such a strong self-esteem, brother?

If a big boss in the industrial sector can't even raise 200,000 yuan to invest one million yuan, then don't worry about your self-esteem.

However, if what Lin Zhiyuan said was true, and Lin Qidong suddenly lost two major customers and did not adjust the production scale in time... the healthy capital chain was out of control for half a year, and the cash flow might have been drained out. This is also the pain point of many big bosses who seem to be glamorous on the surface. They say they are worth so much, but in fact all the money is in their own assembly lines and equipment, which cannot be sold. As long as they can create value, they are still considered elites. Once the blood is cut off, they are all dumbfounded.

It is not uncommon for many big bosses who blindly expanded their production scale to find themselves bankrupt and have to work when their capital chain breaks down when their big customers leave or the industry suddenly cools down and they are unable to make ends meet and cannot sustain their operations for a few months.

Maybe the property that Li Yan reminded Xiaopang about should be sold to recoup the losses before it reaches its peak.

"Come on, I'm not a student anymore. My social identity is first and foremost a person who makes decisions about future science and technology. Provincial and departmental leaders, academicians, and CEOs of various technology companies all treat me equally. Why does your father still treat me as a minor?"

"That makes sense..."

"I'll go talk to him later."

"This, this..."

"Don't be so fussy, leave it to me."

"it is good!"

The moment Li Yan hung up the phone, some memories belonging to the "future of the past" suddenly awakened.

It's about Xiaopang.

This made Li Yan stunned, his eyes widened, as if his acupoints were pressed.

That happened when Li Yan was a sophomore in high school in her previous life.

Li Yan, who was in a period of confusion, had fallen from a genius in junior high school to a poor student in high school, and he felt very uncomfortable.

It’s hard to be open with my classmates, and I also think of Lin Zhiyuan, with whom I have had less and less contact since I started high school.

Thinking about chatting with Lin Zhiyuan, Xiaopang had been studying hard since junior high school, and his grades had been getting better and better. He was admitted to a pretty good high school in New Taipei City. Li Yan even thought that Xiaopang's grades at that time might have been better than hers.

As a result, Xiaopang came up and said, "I have fallen into the lowest point in my life, and there is darkness all around me", which confused Li Yan.

The two of them talked about their pity for more than an hour until they ran out of phone credit.

Li Yan also learned that Lin Qidong, Lin Zhiyuan's father, had gone from having tens of millions in assets to having tens of millions in liabilities due to poor management and wrong investments.

During this period, Xiaopang also met a girl and was bewitched by her. When Lin Qidong still had some money, he believed the girl and donated over 100,000 yuan to treat her mother who was hit by a car.

The irony is that it was the girl's uncle who led Lin Qidong to invest.

After Lin Qidong was fooled, the silly little fat man didn't realize that he was set up, so he ran to beg the girl whose "mom recovered" to return the 100,000 yuan to him.

Found out I’ve been blocked.

Not to mention Lin Zhiyuan's mental state at the time, just when Li Yan heard it at the time - no, just when Li Yan recalled it now, she felt her heartbeat rhythm was disrupted.

Li Yan also remembered the name of this villain girl because it was so unique.

Lu Ming - The deer calls, eating apples in the wild.

A fresh name, but a vicious person.

As a result, they started by selling their properties and eventually could not afford Lin Zhiyuan's high school sponsorship tuition, so the Lin family was forced to leave New Taipei.

After this conversation, Li Yan was trapped in her own confusion and did not try to find out more about Xiaopang's situation.

It was not until he graduated from high school and wanted to contact Xiaopang again that he discovered that "your gray avatar no longer jumped" and the phone could no longer be reached.

Even their home in Lincheng was covered with IOUs and was deserted long ago.

The memory ended here, and Li Yan felt a little heavy.

No wonder I couldn’t think about Xiaopang’s future after high school. It turns out that Xiaopang... has no future.

Although Li Yan changed many things and the fate of many people at the same time by changing his own destiny after his rebirth, he did come to New Taipei to go to school with Xiaopang, and Lin Zhiyuan's current academic performance is indeed better than in his previous life.

But...will Lin Qidong still go down the old path?
Poor management has already begun to emerge. Could it be that the wrong investment made by this boss with a very strong self-esteem was driven by his overly strong desire to "make a comeback"?

Li Yan does have some money now, so it's no problem for him to help his good brother out in an emergency.

After all, Lin Zhiyuan also gave him a lot of help in elementary school.

He is one of the few friends that Li Yan deserves to cherish.

But in the end, there will still be a debt of tens of millions. Unless Li Yan’s mobile phone is a big success, it will be a huge headache.

Compared to the crude approach of using money to fill the hole directly after the truth is revealed, Li Yan certainly has a better solution.

Lin Qidong has a lot of businesses in New Taipei City. With Li Yan's current influence, he can easily contact him even without going through Lin Zhiyuan.

However, they really didn't have much communication on business. Li Yan thought for a long time before he figured out the intersection with the ceramic back cover of mobile phones - but he had no intention of making a ceramic back cover from the beginning to the end.

In order to cater to Lin Qidong's inexplicably prominent self-esteem, Li Yan went through a special detour and introduced Lin Qidong to two or three middlemen through the topic of "exchanging mobile phone case materials".

The phone rang:

"Hello? Good afternoon, Uncle Dong. Good afternoon. I'm Li Yan, Xiao Li."

"Oh, oh, oh, you're still Xiao Li at all. Mr. Li, Mr. Li, I know what you've been up to lately. It really makes me feel ashamed of myself."

Lin Qidong's voice still sounded strong and he didn't seem like he was behind bars.

But Boss Lin's statement of feeling ashamed of himself really is... he is setting too high standards for himself.

"It's like this. I was communicating with some bosses in New Taipei City a while ago. When we were talking about mobile phone shell materials, someone mentioned ceramics, so I thought about finding some ceramic manufacturers to learn more about them. Someone introduced you to me, and I suddenly remembered it, so I gave you a call to exchange ideas."

Lin Qidong suddenly realized and said "Oh", then waved his hands and laughed, "That may disappoint you, Mr. Li. I only deal with large ceramics here. I really can't make delicate things like mobile phone shells."

"That's a pity." Li Yan smiled, "It's okay, just take it as a chat. I was too busy this summer vacation and didn't go back with Zhiyuan."

"Don't waste your time following him. Your time is precious now. Hey, haven't your parents come to New Taipei yet?"

"No, they are not used to it. Maybe they will be willing to come over only when I have time to take care of them after I finish my work here."

"Okay, okay," Lin Qidong sighed, "Having a son like you is a blessing from my previous life."

"Uncle Dong, how's business lately? Is it going well?"

You've done your best, Xiaopang. Mr. Li has been roundabout enough!
"It's OK. Not as good as before. The main reason is that two big customers suddenly stopped cooperating. It's also strange." Lin Qidong sighed fiercely, "To be honest, I was a little flustered all of a sudden. I just opened a factory in Changheng, and all my plans were messed up."

"Is it possible that they are competitors?"

Lin Qidong laughed, "That's hard to say, but I was really taken advantage of by my peers."

"Oh?"

"I have to thank Zhiyuan for this. I was thinking about whether to withdraw from Changheng's factory. It's better to lose money on the initial investment than to suffer a snowball effect later. Suddenly I heard him say that one of his classmates' family also made ceramics, so I asked for their contact information and asked them if they wanted to take over Changheng's factory. As a result, we reached a cooperation agreement. They took the online route and said that they would first make a batch of cutting-edge products together, participate in an exhibition, and then sell them abroad."

It’s the same as what Xiaopang said...but Li Yan always felt it was a little strange.

"You promised, didn't you?"

"Yes, I think it's a good thing to have this opportunity to use their online channels to consume inventory."

“Is it effective now?”

"Yes, there are some. There are indeed some big orders coming in."

Eh? It's different here.

Li Yan hurriedly asked, "Uncle Dong, the initial investment must be quite expensive, right?"

"I'm sorry to have embarrassed you. I was short of a $200,000 hole and was thinking about who to borrow from. I didn't expect that Old Lu's family also had a financial management fund. I transferred a small sum of money and made up for it. Sometimes, the noble people in life come really..."

"Last name?"

"Lu, the Lu of land."

Li Yan was stunned. "Then do you know the name of Lin Zhiyuan's classmate?"

"It seems to be Lu Ming, you know him too?"

Grass.

(End of this chapter)