The day after Lu Chen arrived in the United States, he climbed out of bed early in the morning.
Lu Chen walked around the house and found that Chen Jianghe had already gone to school.
There was still breakfast for him and Ike on the table.
While eating breakfast, Lu Chen was thinking about how he could use the funds in his hands to make more money during this global economic crisis.
He murmured to himself: "I have a deposit of 500,000 US dollars in my hand. Adding the money earned from this arms transaction, I estimate that I will have 900,000 US dollars in funds."
With only 900,000 yuan in capital, how much money can be obtained, including leverage, is only more than 10 million yuan at most. Just having fun.
At this time, Lu Chen only wanted to make money and completely ignored the tens of millions of dollars, which was already an astronomical figure in this era. In this era, the per capita salary is only US$30 per month. Tens of millions, this is money that no one else can earn in a few lifetimes.
Lu Chen bit his chopsticks and thought quickly in his mind. I should be able to get a loan from the bank.
Then we need to understand how leveraged the stock market is in this era. How much leverage can I get?
After thinking about it clearly, Lu Chen ate much faster. By the time Ike got up, Lu Chen had already finished breakfast and was getting ready to go out.
"Boss, where are you going?"
"Ike, just stay here. I'm going out to do something."
After saying that, Lu Chen went out and got on the bus to the bank.
The first place Lu Chen went to was Citibank. After all, he had deposited money in this bank.
The bank checked the funds owned by Lu Chen and found that Lu Chen actually had 900,000 US dollars in the bank. This is a big customer. The bank immediately sent an account manager to receive Lu Chen.
"Hello, Mr. Lu, my name is Le Fu. Do you have any business to handle this time?"
Lu Chen nodded: "I would like to ask if I can get a loan at your bank, and how much can you lend me."
"Mr. Lu, you are a VIP customer in our bank. We can apply for a mortgage loan for you. May I ask Mr. Lu what business you need to handle."
When Lu Chen heard about these two types of loans, he immediately felt upset. They both required physical mortgages. He was a little dissatisfied. But thinking that there was no concept of credit loan at this time, he endured it.
"Tell me what documents are required for these two types of loans and how fast they are disbursed."
"Mr. Lu, for the first type of loan, any assets owned in your name can be mortgaged, such as your house, land, and company."
Lu Chen thought for a moment and then asked: "On what basis does the company determine the loan amount?"
"This depends on the specific type of company."
"Please tell me more specifically."
"If your company is in the manufacturing industry, we will measure the amount you can receive based on the machinery, minerals, and other fixed assets owned by your company. If you are engaged in finance or other types of companies, we will measure the amount you can receive based on your business amount to determine the amount you can borrow.”
Lu Chen's eyes lit up after hearing this. There was a loophole that could be exploited. He would register a trading company now, and then show his transaction documents to the people at the bank. It's possible to get away with it.
After all, there were no computers or the Internet in this era, so I wanted to find out the details of my company. It can't be checked clearly within a few months.
Lu Chen asked again: "How long will it take for you to lend me the loan? After all, I am in a hurry to use it."
"Mr. Lu, you are a high-quality customer of our bank. As long as you pass the preliminary review, we can lend you money."
After the consultation was clear, he left the bank, and he didn't need to go to other banks. They probably all had these loan projects.
He bought a map at a newsstand, then pressed the map and got on the bus to the Industrial and Commercial Administration Office. He plans to register a company first.
Lu Chen took a car to the Industrial and Commercial Administration Office, and then he registered a trading company, whose business scope included minerals, grain, machinery and other items. To register capital, he directly turned his Citibank account into a company account.
Half an hour later, Lu Chen walked out of the management office with a briefcase. He thought for a moment at the door. If he went to a big bank like Citibank now, although the interest would be much lower, the amount approved would probably not be much.
It's better to find a small bank and get a loan with these information. Although the interest rate is higher, you can definitely get more funds.
So he found a bank on the map that he had never heard of before, and then found the bus that went there. After Lu Chen waited at the bus stop for a while, he got on the bus.
Lu Chen came to this bank called Debon and walked in.
"Hello sir, how can I help you?"
"I want to get a loan from you."
The receptionist smiled and said: "Sorry, sir, our bank does not provide loans to Asians."
Lu Chen was stunned, what the hell, they don't give loans to Asians, there are several banks that don't make money even if they have money, they look down upon them.
Lu Chen ignored the receptionist. He turned around and walked out of the bank. Then I found a bank on the map. Lu Chen took a taxi and drove over again.
When Lu Chen walked into the bank, he was still refused a loan for the same reason. Then Lu Chen visited five or six small banks one after another. All were denied loans.
Lu Chen was a little angry: "Damn it, isn't this looking down on people? Why don't you give loans to Asians? That's stupid."
He had no choice but to take the information and return to Citibank.
The person who received Lu Chen was the account manager named Le Fu.
Lu Chen handed the document in his hand to Le Fu. After Le Fu checked it carefully.
"Mr. Lu, what kind of business does your company do and why is it so profitable?"
Lu Chen smiled mysteriously and said, "I just bought some grain in the United States. Then I resold it in other countries. You see, it took me three months to earn 400,000 yuan. Is this a high profit?"
Love was speechless. Isn't it high to earn hundreds of thousands in these few months? Other companies may only earn so much in a year.
"Mr. Lu, based on the information you provided, our bank can give you a loan of 200,000 yuan. Do you need it?"
When Lu Chen heard that it was only 200,000 yuan, he was a little annoyed. With such a small amount of money, you are giving it away to beggars. Lu Chen cursed in his heart. But with the principle that something is better than nothing. Lu Chen still applied for the loan.
Lu Chen continued to ask: "I also opened a securities trading account in your bank. I would like to inquire about the leverage of my account."
Love introduced: "Mr. Lu, since your current capital has exceeded one million, we can provide you with ten times leverage services."
Lu Chen thought about it in his mind. Ten times the leverage meant that he could use eleven million funds. Lu Chen felt that it was still a little short. He was short selling, and even if it fell to the bottom, he could get more than ten million at most. This opportunity was so good, he felt that it was a little too little to earn just this amount.
He walked out of the bank, still thinking about how to raise money. In America, he knew very few people, and there was probably only one rich person. That's Adams. But I only knew Adams for a month. How can I borrow money from him?
He didn't think of a good way, but he definitely had to find Adams once.
He found a phone booth on the side of the road and took out the contact information Adams gave him. Called the number.
After waiting for a while, someone answered the phone.
"Hello, who are you looking for?"
The call was answered by a woman, her voice sounded very youthful and energetic. Lu Chen quickly said:
"Hello, I'm looking for Adams."
"Who are you? How did you get the contact information of this phone number?"
"I am Lu Chen. My contact information was given to me by Adams. If you tell him that I am a Chinese who came to the United States on the same cruise ship as him, he will know who I am."
"Okay, sir, please wait a moment, I will notify Master Adams right away."
After about ten minutes, Adams' voice came over the phone.
"Hey, is this Lu? I'm Adams."
"Hey bro, you kept me waiting for ten minutes."
"It's only ten minutes, not that long. Tell me what you want from me."
"Well, I have a profitable business here. I wonder if you are interested."
Adams on the other end of the phone said lazily: "What kind of profitable business is a big business? If the business is small, forget it. It's boring."
"There are millions of orders, are you interested?"
"What, millions, Lu, you didn't lie to me, right? Where are you? I'll go find you right now."
Lu Chen could feel the excitement on the other side of the phone through the phone. Lu Chen saw a coffee shop near him. So he reported the address of the cafe to Adams.
"Just wait, I'll be there right away. I'll be there in about an hour."
After hanging up the phone, Lu Chen went to the coffee shop and found a seat, then ordered a cup of coffee and waited for Adams to arrive. .
An hour later, Adams drove a Model T car to the door of the coffee shop. Adams opened the car door and rushed directly into the coffee shop. Then he looked around. Discovering Lu Chen's location, he quickly walked to Lu Chen and sat down next to him.
When Lu Chen saw Adams coming, he quickly called the waiter and ordered a cup of coffee for Adams.
As soon as Adams sat down, he immediately asked:
"Lu, tell me, what kind of business it is."
Lu Chen said calmly: "Adams, please be patient. There is an old saying in China that you can't eat hot tofu in a hurry. Drink a cup of coffee first."
Adams glanced at Lu Chen and said, "You can't lie to me, right?"
Lu Chen said unhappily: "Why did I lie to you? Can you still give me money?"
"Then tell me what kind of business it is."
Lu Chen thought for a while and decided to reveal his business of reselling guns.
"My business is selling arms."
Lu Chen looked at Adams and saw that he didn't show any interest. Asked doubtfully:
"You're not interested? The profits here are huge."
Adams said without interest: "I know that the arms business is very profitable, but now the arms market has been divided. If I enter the market and move other people's markets, others will fight for my life."
"We're not asking you to sell it in the United States. We're going to sell it in China."
Adams glanced at Lu Chen and said, "There are only a few arms dealers in the United States. They can go to China to sell directly. We can't get involved. You'd better not think about it."
Lu Chen looked at Adams as if he were an idiot and said, "Who told you that we are going to sell American-style equipment? German-style equipment is more popular in China, okay?"
Hearing this, Adams became interested and asked, "Do you have any channels to obtain German weapons?"
Lu Chen nodded and said, "Absolutely."
"Then whatever you ask me for, you can just do it yourself."
Lu Chen said: "I've done this a few times, but I'm still short of money. I want to borrow some money from you. I'll use this line as collateral with you. Do you think it's okay?"
Adams looked at Lu Chen with careful eyes. He asked: "How much do you want, I will buy your line directly."
Lu Chen rolled his eyes and said, "Do you think I'm a fool for selling this line?"
"I lend you money, but I don't get any benefits. Why should I lend it to you?"
Lu Chen said: "Lend me 1 million for two months and I will give you 10 cents in interest."
Adams was so frightened by Lu Chen that he spit out the coffee he just drank. He pointed at Lu Chen and said in disbelief: "What are you talking about, 1 million? You don't know how much one million is, so you dare to speak?"
Lu Chen said: "I have more than 1 million myself, but I don't have enough money. I'm still short of 1 million. Tell me, do you want to borrow it?"
Adams thought for a while, then looked at Lu Chen with a half-smile and said, "Lu, if you have any good business, don't choke on it. Two months, 10 cents profit, and an arms smuggling line." . The business you want to do will definitely be more profitable. Let’s talk about it. If the project is good, how about I invest in you directly?”
Lu Chen didn't expect that Adams would see anything. Lu Chen felt that he didn't show any flaws. He smiled bitterly and said:
"Adams, I won't lie to you. The business I want to do is indeed very profitable, but the risks are also very high. I am not very sure that I will make money."
Adams became more interested and said: "The greater the risk, the higher the proven reward. Tell me, what business."
Lu Chen knew that Adams was already interested in what he wanted to do. According to Adams's character, if he didn't figure this matter out, he would definitely hold on to him. Lu Chen simply told him that he wanted to short the stock market.
"I want to short the U.S. stock market."
This time Adams' reaction was even greater. He stood up from his seat.
"What are you talking about? Although the U.S. stock market has some slight fluctuations, it is still doing well overall. Aren't you losing money?"
Lu Chen slowly picked up the coffee and took a sip. Then he said calmly:
"Don't have such a big reaction. I can see that your family must be in big business, Adams. Then you must also know that the United States is now severely over-productive, and then you are fighting a trade war with others. This is the beginning of the decline of the U.S. economy. performance."
"But look at your stock market, it is still so prosperous. Many companies are already heavily in debt, but their stock prices in the stock market are very high. Your stock market is now in danger. Why can't I short the stock market."
Adams didn't know if Lu Chen had touched something that hurt him, so he looked at Lu Chen angrily.
"Although the fact is what you said, shorting the stock market with the little money you have will not have any impact on the stock market."
Lu Chen looked at Adams with a smile and said, "As I said just now, you are still fighting a trade war with others at this time. You don't believe that other countries will restrict their domestic giants and prevent them from going to the United States to short the stock market. .”
Hearing Lu Chen's words, Adams broke into cold sweat on his forehead. His family was engaged in metallurgy. There is a large steel factory in New York. He couldn't imagine how much impact it would have on the country and their factories if the stock market collapsed.
But Lu Chen said that his words were so reasonable, and finally he sat down on his seat and asked:
"You said you could get guns in Germany. You must have very strong connections in Germany. Did you get any information to confirm that they came back to the United States to short the stock market?"
Lu Chen didn't expect Adams to be so imaginative. How could he find out about the movements of those consortiums? He only read about them in history books. But he didn't explain either. He said:
"As for the information I got from there, I will definitely not disclose it to you, and I will not tell you when they will come. I just ask, if the stock market really crashes, how much will your company lose? , why not take out the money and lend it to me now, I can help you make a fortune."
Lu Chen's hiding in this way made Adams confirm that Lu Chen had reliable information. He thought about it seriously, and then thought about whether he could persuade his old man.
But he regretfully found that it would definitely be unrealistic for his old man to give up the factory now. So, he decided to cooperate with Lu Chen to save his family from losing money.
"Lu, in this case, I can lend you money, but I also have to get involved. When I borrow your money, I will treat it as a shareholding. I need to share half of your profits."
Lu Chen shook his head and said, "You only get one million and you want to share half of it. Isn't it too whimsical?"
"I could be short without you," Adams said.
Lu Chen said: "In that case, just do it yourself. I'll just see if you make a profit or lose."
Adams looked troubled and gritted his teeth and said: "40%, how about I want 40%."
Lu Chen thought for a while and asked, "If you only provide this amount of funds, if you want 40%, it's still too much."
Adams was thinking in his head, calculating how much money he could use. Gritting his teeth for the last time, he said: "I will pay 1.5 million. How about 40%."
Lu Chen was also thinking about it in his mind. With 1.5 million, he also has 2.6 million in his hands. If the stock market crashes, he can earn at least 20 million from this transaction. Remove the others. I will definitely make a profit of more than 10 million. Then I calculated the situation if I had no capital inflow. I think I would make more money by hooking up with Adams. So he said:
"Okay, I agree."
Adams breathed a sigh of relief.
Lu Chen continued: "When will you send me the money?"
Adams said it would be just for these two days.
Lu Chen said: "You'd better give me the money in the next few days. If it takes more than three days, I won't take you to play."
Adams wondered: "Is it so urgent? Are those people coming in three days?"
Lu Chen smiled and said: "Don't test me. I don't know the specific time. Even if I know, I won't tell you. Anyway, I will give you three days. Within three days, I want to see the money enter my bank account." Citibank account.”
"What if you take the money and run away," Adams said.
"You prepare the money, let's go put the money in together, and then you just follow me every step of the way."
"Sure, that's it. I'll let you know when I have the funds ready."
After saying that, Lu Chen and Adams left the cafe respectively. In the future, the two giants in the United States will also officially cooperate from today.
