In 1985, the Bank of China appeared. This thing was originally intended to help business capital turnover and played the role of a village bank.

Soon, the club spread in the Vancouver area where the private economy is active. The interest rate continued to rise, and the amount of the club continued to increase, from a club of 10,000 yuan to a club of 100,000 yuan, a club of 500,000 yuan, and a club of one million yuan. Members made profits by attracting members.

Poor, development goes offline and continues to spread.

In the 1980s, when pork cost only a few cents per pound and households with ten thousand yuan were still rare animals, a carpenter named Li Qifeng was the first to organize a promotion association. He actually recruited more than 10,000 members, with membership fees as high as 120 million, and an annual income of 10,000 yuan.

Nineteen million. There is also a semi-literate housewife named Zheng Lefen who actually collected more than 60 million in membership fees and put large bundles of banknotes into baskets.

There are 1,342 large and small associations in Le County. In some villages, almost every household joins the association. There are more than 200,000 members in various counties and districts and even as far away as the Inner Mongolia and Xinjiang regions.

At that time, the largest denomination of banknotes was still ten yuan, and membership fees were directly weighed on a scale. The total financial balance was as high as 2.2 billion yuan.

In the craziest stage, the annualized interest rate is generally close to 1,000 percent.

What kind of business can have such high returns?

Apparently the vast majority are idling.

According to international jargon, this scheme is called a Ponzi scheme.

The localized name is called Tiohui.

And scams are destined to not last long. The higher the interest rate, the faster the thunderstorm will occur.

Therefore, after the Spring Festival in 1986, everyone was rushing to spend money, and there was a problem with the fund chain of the association, and everyone was panicked. In the second half of the year, violent debt collection incidents were on the verge of getting out of control, and students did not dare to go out to attend classes, fearing that they would be directly

Kidnapped. Some people give gifts and go through the back door just to be put in a cell to avoid the limelight, while most people can only wait for the storm to come.

In autumn, things finally broke out.

Eighty thousand families are bankrupt, schools are closed, factories are suspended, shops are closed...Social order is on the verge of collapse.

The follow-up processing of the entire Tiohui Rebellion was not basically completed until 1992.

Along with the various descriptions Lu Yiming narrated, Li Quanwang got goosebumps all over his body. He couldn't help but look at his fingers, imagining toothpicks inserted between nails and flesh... He felt shudders.

"Okay, okay, stop talking. Besides, I can't even eat today. It's too terrible..."

Lu Yiming said with firm eyes: "Resist the temptation of usury consciously. I believe there is no free lunch in the world. If people give you benefits without being relatives, they must be because they can get greater benefits from you. You now have no worries about food and clothing. I

I don’t ask you to achieve anything, and don’t just call it greedy. As long as you don’t take advantage of me, I can make you live a prosperous life with me. But if you become greedy..."

"No, no, absolutely not. It's too scary. I'd better live in my villa and ride in my luxury car. By the way, the bodyguard and driver you assigned to me is really awesome."

Li Quanwang shook his head like a rattle. He could not have imagined that just a few years ago, something like hell on earth would happen.

He is a very, very ordinary ordinary person, a timid and fearful student who muddles along. He became a millionaire with Lu Yiming, but in fact he still knows nothing about the outside world. Being frightened by Lu Yiming like this makes him almost scared.

Gone.

Seeing that Li Quanwang was so frightened by him, Lu Yiming immediately smiled and said to Li Quanwang: "It seems that I haven't been to the Internet cafe for a while. I will go to the Internet cafe after school at noon."

"OK."

After school ended at noon, the two of them arrived at the No. 1 store. The spectacular scene of the bustling crowds here had long since disappeared, and the machines were already full of seats.

The late 1990s to the early 21st century was the peak period of the explosion of Internet cafes. In the past ten years, if you opened an Internet cafe, it was basically a sure thing to make money as long as you did not commit suicide. In just a few years, the Internet cafe industry has also

I don’t know how many millionaires and multi-millionaires I have created.

But this wave of tide comes and goes quickly. Tongxin Internet Cafe has only been open for half a year, and the situation is already worse than before. This is a chain of Internet cafes like Tongxin Internet Cafe with hundreds of machines. The situation is like this.

You can imagine the kind of small Internet cafe nestled in a corner.

In this wave of Internet cafes, money is basically made in units of days, and the price has plummeted from 10 to 20 yuan an hour at the beginning of the year to 56 yuan later. This is due to the price reduction of computer hardware and the popularity of the Internet. Wait until 2000

In 2003, the Internet fee was basically reduced to 50 cents an hour.

However, with the demise of Internet cafes in large numbers, high-end Internet cafes once again enjoyed a period of glory, and once again they were overcrowded even though they charged 20 yuan an hour.

Of course, these are all things for later.

Li Quanwang came to the store and saw that the Internet cafe was full of people, and he felt very heartbroken.

After all, he holds 10% of the shares of the Internet cafe. With fewer people coming online, the money allocated to him will naturally be less.

The two of them walked around the Internet cafe. Lu Yiming found that several computers were broken, so he had to ask the employees to remove the computers and he would repair them.

Li Quanwang, on the other hand, leisurely took out a bottle of Sprite from the freezer, pointing at it while his heart felt cool.

At this time, Gu Zhiruo and Lin Yuzhen walked into the Internet cafe.

Although Lu Yiming's previous computer is still in Zhu Hanwen's home and Lin Yuzhen can use it at any time, Lin Yuzhen is really psychologically affected by the last Internet fee. In addition, the cost of Internet access in Internet cafes has been reduced a lot.

, so now when she needs to surf the Internet, she will come to the Internet cafe.

When Li Quanwang saw Gu Zhiruo, he immediately ignored Lu Yiming and ran to the two of them and said to Gu Zhiruo: "Gu Zhiruo, are you here to surf the Internet? Where do you want to sit? I'll help you turn on the phone."

"

Seeing Li Quanwang being so naughty, Lu Yiming shook his head helplessly.

"You forget your friends when you see sex."

The computer was repaired quickly. Lu Yiming went to the bathroom to wash his hands, then took a bottle of ice Coke from the refrigerator, sat at the counter and began to check the operation of the Internet cafe.

At this moment, a woman who looked familiar came in. She came directly to the counter, patted the table, and asked, "Where is Mr. Li?"

Lu Yiming was stunned: "Which Mr. Li?"

"Li Quanwang, how many Mr. Lis are there in your Tongxin Internet Cafe?"

Looking for Li Quanwang?

Lu Yiming thought of what Li Quanwang told him about the meeting this morning, and couldn't help but be more cautious and asked: "Why are you looking for him?"

The woman looked at Lu Yiming unhappily, slapped the table and shouted: "You stinky part-timer, why do you talk so much nonsense? I'm here to see you, Mr. Li. I'm his fourth aunt. If you don't go and call me,

Come on, believe it or not, I asked him to fire you, Yuyu?"

Lu Yiming then remembered, no wonder this man looked familiar. Isn't this the same Tian Jiahong who went to borrow money when Li Quanwang's villa was burned down last time?

"Good guy, let Wangzi fire my fish? Give him three courages to try? You are looking for Li Quanwang now because of money, right?"

Tian Jiahong was stunned for a moment and looked at Lu Yiming with a suspicious expression: "How do you know?"

It has been quite a while since the last fire in the villa. In addition, Tian Jiahong only wanted to get money from Li Quanwang at that time. Even if he had verbal communication with Lu Yiming, he had already forgotten about Lu Yiming.

.

Lu Yiming did not intend to answer Tian Jiahong's question, but said to himself: "If you come to Wangzi to talk about money, then you can leave, he will not pay a penny. Xiaojin, take this

Drive people out."

"Okay boss."

Seeing that Lu Yiming was about to drive people away, Tian Jiahong immediately stopped and yelled: "Li Quanwang, come out..."

Li Quanwang was helping Gu Zhiruo turn on the computer at the other end of the Internet cafe. He also turned on the computer next to Gu Zhiruo. He planned to play with Gu Zhiruo when he suddenly heard Tian Jiahong's voice. He was suddenly excited and ran over depressed.

Asked: "What are you doing?"

Tian Jiahong pointed at Lu Yiming and said angrily to Li Quanwang: "I came here to find you. Not only does this stinky migrant worker not provide you with good tea and water, but he also wants to drive me out. It is simply unreasonable. Give this man to me."

Fired, I get angry just looking at him now!"

Li Quanwang looked at Lu Yiming with a confused expression.

Lu Yiming shrugged towards Li Quanwang.

Li Quanwang said in a dumbfounded voice: "He is not a stinky jobber. He is the founder and major shareholder of Tongxin Internet Cafe. He is much better than me. He is the only one who fired me. Okay, aunt, you come to me, or let me

Is my investment right? Tongxin Internet Cafe is expanding now, and all my money has been invested. Now I don’t have a penny in my hand, so I can’t invest anymore.”

Tian Jiahong glanced at Lu Yiming and felt that she had seen this guy somewhere before. However, in the past six months, she had been so busy working in the Internet cafe that she really couldn't remember where she had seen Lu Yiming, so she could only ignore him.

"Wangzi, what are you talking about? I don't want much. I only want one million. If I deposit the money into the mutual aid association, I will earn 60% interest in a year. What business can be more profitable than this?

?”

But Lu Yiming stood aside and sneered: "Save it, 60% interest a year? What about the ghost? Do you think we are fools? Have we never seen a Ponzi scheme?"

Tian Jiahong was furious: "What kind of Ponzi scheme is this? This is a serious business fund-raising. You little brat, don't talk nonsense if you don't understand. Otherwise, you will be legally responsible."

Good guy, if someone who engages in illegal fundraising asks others not to talk nonsense, will he still be held legally responsible?

Who should bear legal responsibility?

Lu Yiming looked at Tian Jiahong, who was in a hysterical mood, and finally understood what it means to be fearless in the ignorant.

Li Quanwang had already been frightened out of his wits by Lu Yiming's advice. He naturally refused to let go when facing Tian Jiahong. No matter what Tian Jiahong said, he just said that the money had been invested and he had no money.

Tian Jiahong's mouth was dry and she really had no words to say. When she saw Li Quanwang, he was like a bastard who had eaten a weight. Although she was unwilling to do so, she could only curse and leave.

When Tian Jiahong left, Gu Zhiruo and Lin Yuzhen had finished surfing the Internet. They came to the front desk. Lin Yuzhen asked curiously: "Who was that person just now? It was my aunt and an investor now. It was too lively.

Already."

Li Quanwang sighed. He didn't want to make the family scandal public, but Tian Jiahong was yelling there, as if he was afraid that others wouldn't know, which made him very helpless.

Lu Yiming said to the two of them: "That was Wang Zai's aunt just now, who wanted Wang Zai to invest his hard-earned money. In fact, it was an illegal fund-raising. If I hadn't discovered it earlier, Wang Zai would have been deceived.

By the way, you two too, be wary of the temptation of high profits, and don’t believe in any investment casually.”
To be continued...