Reborn, back to a small county town to become a wealthy family

Chapter 813 I'm full, but I've left a bite for you.
Whether Song Wan was Luo Yang's woman was a matter that Dong Xuan felt was hard to say.

But she was certain that Wen Wan and An Ying were definitely together.

However, Dong Xuan still dared to say this, not because she felt that she was more favored by Luo Yang than the other two women.

Because she was well aware that if Luo Yang wanted to integrate all his industries and eventually form a closed-loop business empire, he couldn't do without a financial platform. Therefore, banks held a very important position in Luo Yang's business empire.

As long as Luo Yang can squeeze out some money, let alone 15 billion, even if it doubles, he will grit his teeth and take it out.

This was Dong Xuan's analysis, but Luo Yang hadn't considered this aspect.

"You are quite confident."

He then curled his lip and sneered, "You should know that the smartphone project is a crucial part of my closed-loop internet industry. The food group itself doesn't require much capital; you can't squeeze out hundreds of millions even if you try. As for Guobao Films, you and Song Wan are going to compete for funding. I really don't have much faith in you!"

Luo Yang only listed three projects, notably omitting new energy vehicles.

However, Dong Xuan seemed to have overlooked this project and started arguing with Luo Yang about three other industries.

"The early research and development of smartphone projects requires a lot of investment."

President Dong offered a professional analysis: "This project will definitely require financing. Instead of letting others benefit, why not benefit yourself? Isn't that exactly what you've always wanted to achieve by acquiring a controlling stake in a commercial bank?"

Her implication was quite clear: if there was a funding gap for the acquisition of Yangshi Rural Commercial Bank, a portion could be diverted from the smartphone project.

Once the commercial banks have the funds, the smartphone project can obtain financing from their own commercial banks, which not only meets the funding needs of the smartphone project but also helps the commercial banks obtain a large amount of loan business, achieving two goals at once.

This logic was flawless, leaving Luo Yang stunned and unsure how to refute it.

"You're planning to put Wen Wan in charge of the smartphone project, right?"

Dong Xuan smiled and said, "I will talk to Wen Wan myself. You won't even need to be the judge. She will agree to my suggestion on her own."

It's quite possible, and the possibility is not small.

"Including Song Wan's place."

Dong Xuan continued smugly, "As long as I reason with her, I believe Song Wan will support my idea. A film and entertainment company is always in dire need of funds and needs stable financing channels. My commercial bank is the best platform. What reason does Song Wan have not to support me?"

Luo Yang: "."

He remained silent for several minutes.

Fortunately, Wen Wan's call came just in time, easing Luo Yang's embarrassment.

"Boss, in the past year and a half, the highest price Bitcoin has traded has reached 15 US dollars per coin, and the lowest has been below 3 US dollars."

Luo Yang gave her half an hour, but Wen Wan found the data in just over ten minutes: "Currently, the trading price of Bitcoin is fluctuating around 11 US dollars, but the overall trend is downward. The market estimates that the trading price may fall to around 5 US dollars by the end of the year."

So-called market forecasts are very likely a tactic to fleece investors.

However, the overall trend remains unchanged.

what does this mean?
Luo Yang's fragmented memories contain information on this topic: in the last year or two, the highest trading price of a single Bitcoin exceeded 1,100 US dollars.

The acquisitions began in September and continued until the end of the year, with an average acquisition price of 10 yuan per coin.

In 2012, the total number of Bitcoins exceeded 800 million.

I wouldn't dare to buy more, but gradually buying around 15 to 20 pieces shouldn't be a big problem.

Based on this acquisition figure, an investment of less than 2 million US dollars could yield a return of 150 to 220 million US dollars, which is roughly equivalent to 1.3 to 1.4 billion RMB.

Using this money to acquire Yangshi Rural Commercial Bank is practically like getting something for free.

"Okay, I'll give you a private account later. Starting next month and continuing until the end of the year, no matter the price, you can slowly buy some Bitcoin from various channels."

After thinking it over, Luo Yang instructed, "The total number should be controlled between 15 and 20."

"Okay, boss!"

Although Wen Wan didn't know why her boss suddenly gave such an order, she still replied to Luo Yang seriously.

"in addition."

After hesitating for a moment, Luo Yang said, "If I have some spare money, I'll buy a few hundred myself and sell them when the time is right next year."

Will Bitcoin's price rise next year?

Having witnessed Luo Yang's success in the US crude oil futures market, Wen Wan had great faith in her boss's talent and judgment in this area.

Telling her now that she can buy a few hundred coins as an investment means she's optimistic about the stock.

"Yes, that's the initial assessment."

Luo Yang didn't offer any further explanation, only reminding him before hanging up: "This information ends with you."

Wen Wan immediately agreed.

"Mr. Luo, I also heard some information about Bitcoin just now."

Hearing Luo Yang's stern admonition to Wen Wan, Dong Xuan jokingly asked, "You're not going to kill me to cover it up, are you?"

"You people in finance, how could you not know the nature of Bitcoin?"

After putting down his phone, Luo Yang looked at Dong Xuan and said, "The essence of Bitcoin is not much different from that of futures and the stock market. Because of the involvement of international capital, the risks are very high. If you don't have a certain economic capacity, it's best not to play with it."

Are there not enough retail investors to fleece in the stock market?

Dong Xuan smiled gently and said, "I didn't see anyone hiding. They all think they can make money."

"That's just human nature to gamble."

Luo Yang sighed and then continued, "This thing is virtual currency, which is used to some extent as a channel to circumvent regulation. Right now, its scale and trading volume aren't very large, so it doesn't attract much attention. But once it grows in scale, the national level will take notice, and then it'll be hard to say what will happen."

Dong Xuan herself works in the banking system, so her understanding of financial regulation is naturally better than Luo Yang's.

Thinking about what was just said, it really is terrifying.

Why do various underground banks exist?

The purpose is money laundering.

However, with the advent of virtual currencies like Bitcoin, the regulatory system can be bypassed. If domestic funds want to leave the country, all they need to do is buy Bitcoin, send one person abroad, and then sell the Bitcoin overseas, and the funds are gone.

"This thing either won't grow big, or if it does, it will definitely be banned in China."

After thinking it through, Dong Xuan immediately made this judgment: "And just as you just analyzed, virtual currency will definitely grow bigger in the future, because where there is demand, there is a market, and international capital will not let it go."

After saying all this, she looked at Luo Yang, her expression becoming serious.

“Luo Yang, you started out with a clean reputation, there’s no need to tarnish it for such a small amount of money.”

When Yongcheng Bank initially lent money to Luo Shengtang, it conducted some background checks on Luo Yang. Later, as the cooperation deepened, the bank intensified its investigation into Luo Yang. Therefore, Dong Xuan was well aware that whether it was the initial capital Luo Yang used to start his business or the tax payment situation during the company's subsequent operations, everything was spotless.

"I don't use domestic accounts to buy Bitcoin."

Luo Yang said calmly, "I have several private accounts overseas, and most of the funds are invested in US and Hong Kong stocks. Now I'm taking out a portion to buy Bitcoin, and the profits will flow back to China for investment. If people still criticize me for doing this, I think there are no clean people in the business world."

Moving funds out of China and bringing funds back from abroad are two completely different things.

"If that's the case, then there's no problem."

Dong Xuan smiled again; "If you can keep going like this, it's like you've created half an invincible shield for yourself, because I believe there aren't many companies in China that can withstand scrutiny like yours."

"President Dong, this is not how you sculpted the golden statue."

Luo Yang did not entirely agree with Dong Xuan's words.

He explained his understanding: "Only by engaging in real industries, mastering key technologies, and providing hundreds of thousands or even millions of jobs can one truly achieve success."

Dong Xuan was stunned for a moment after hearing this, and then she laughed.

"What you're calling bondage, isn't that right?"

"Do you want me to create a morally impeccable image?"

Luo Yang curled his lip, then pointed to himself and Dong Xuan; "With our relationship, can I really be considered a moral person?"

"cluck"

The woman immediately burst into laughter.

"If it's consensual, what does it have to do with morality?"

Dong Xuan blinked quickly; "Besides, when higher-ups look at a person, it's already a high evaluation if they say that someone has flawed personal morality but doesn't compromise on important matters. After all, no one is perfect, and we're not supposed to be saints."

"The way you're saying it makes it sound like I really have some kind of moral failing."

Luo Yang retorted, "At least I'm doing charity work. The Sunshine Charity Foundation donates no less than 5000 million yuan annually, and it will only increase in the future."

“Speaking of charitable foundations, I feel like I’m getting business again.”

Dong Xuan said with a smile, "I almost forgot that your group also has a Sunshine Charity Foundation, Mr. Luo. Will this charity foundation be open to all investors in the future? Or will it only accept funds from your own businesses?"

"Of course it won't be made open-style."

Luo Yang curled his lip and said, "If there are too few donations from outsiders, it's meaningless. If there are too many donations, it will cause trouble. I'll just do my own thing. Why bother getting into trouble?"

“That’s right. A boss as big as you can definitely support the operation of a closed charitable foundation on your own.”

After nodding in agreement, Dong Xuan continued, "It's a pity for my commercial bank; its business volume has suddenly shrunk."

Normally, a medium-sized or larger charitable foundation will allocate a significant portion of its funds for investment and use a portion of its profits for charitable purposes. Only in this way can the charitable foundation operate sustainably.

"Don't worry, it won't be small."

Luo Yang said with certainty, "At most three to five years later, I will invest about 2 to 20 billion yuan into the Sunshine Charity Foundation in one go, so that the charity foundation can stably donate 30 to 1 million yuan of charitable funds every year."

“Actually, from the perspective of tax deduction and tax avoidance for your personal consumption, you could have made the Sunshine Charitable Foundation much larger.”

Dong Xuan gave an example: "Take Bill Gates from the United States, for instance. He established a charitable foundation in his own name as early as 2000, and to date, he has invested tens of billions of US dollars into it. He's not stupid, is he?"

This foundation is genuinely engaged in philanthropy, but it also serves the entire Gates family through its services.

"He's the world's richest person, okay?"

Luo Yang said, amused and annoyed, "His personal assets reached 590 billion US dollars last year. Even after deducting the exchange rate between the US dollar and the local currency, my little bit of money is just a fraction of his."

"Boss Luo, you have to believe in your own abilities."

Dong Xuan said with a smile, "With the industries you've established so far, your future net worth will be at least in the hundreds of billions, and it certainly won't start with a single digit."

"tsk"

Luo Yang clicked his tongue in disbelief: "This is the first time someone has ever painted a rosy picture for me, and it's the kind that sounds really good. President Dong, you're something else!"

Dong Xuan immediately giggled.

The two chatted and laughed as they finished their dinner, and it was almost nine o'clock when they left the hotel.

The car drove straight to Pudong; needless to say, we'll definitely be staying in Pudong tonight.

Around 10 o'clock, the two arrived at Tomson Riviera.

Upon entering the house, Luo Yang froze in the entryway.

The living room lights were on, and two attractive figures moved back and forth between the balcony and the living room. An ice bucket, red wine, champagne, fruit platters, and snacks filled the small round table, as if everything was waiting for the owner to return.

"You called them over?"

Luo Yang hadn't seen Cong Shanshan and Chu Weiwei for a while, and judging from their demeanor tonight, they had clearly come prepared.

He couldn't think of any other reason besides Dong Xuan notifying him in advance.

"It's more lively with more people!"

Dong Xuan's heart was bleeding, but she kept smiling and said something she didn't mean: "Besides, you haven't favored them for a long time. You might as well take this opportunity tonight to deepen your relationship."

Earlier at the hotel, she thought it would be difficult to get 15 billion, so she had a different idea and called over her two subordinates, Cong Shanshan and Chu Weiwei, intending to use her beauty to seduce them.

As a result, Luo Yang immediately agreed to prepare 15 billion yuan for the acquisition, and there was even room to increase the budget.

All this preparation was for nothing.

Now, not only can they not be allowed to leave, but Dong Xuan also has to smooth things over for them.
What kind of mess is this?

Just as the two were changing their shoes, Cong Shanshan and Chu Weiwei walked over.

Cong Shanshan was a little more reserved. After greeting Luo Yang, she only helped Dong Xuan with her bag and handed her slippers. Chu Weiwei, on the other hand, immediately took Luo Yang's arm and told him to take a bath to relax, while leading him into the master bedroom's bathroom.
Half an hour passed before Chu Weiwei came out again, having changed into a bathrobe.

This crazy little girl, with her swaying waist and flushed face, walked onto the balcony.

"I'm thirsty."

Chu Weiwei poured herself a full glass of champagne and downed it in one gulp.

She then slumped into a rattan chair, crossed her long, fair legs, and held her slippers between her toes, shaking them up and down.

"I'm full, but I've left a bite for you!"

(End of this chapter)