The penniless son of the penniless ...

Chapter 6: Conversation between Grandfather and Grandson
When Zhang Junfeng let go of Li Fuzhen, Li Fuzhen's originally fair face was flushed. Seeing the beauty's charming appearance, Zhang Junfeng smiled wickedly and joked, "Is this your first kiss? It's so awkward!"

Hearing Zhang Junfeng flirting with her so boldly, Li Fuzhen rolled her eyes at him fiercely, "Aren't you afraid that I will call someone to deal with you later? I'm not someone you can take advantage of so easily!"

"What is there to be afraid of? You and I are boyfriend and girlfriend, and I'm dating you, right?" Zhang Junfeng taught this arrogant woman a lesson and regained the initiative. He remained calm in the face of Li Fuzhen's threat.

"Besides, you don't want our true relationship to be known to everyone and ruin your previous plan, right? Your good big brother is still looking forward to using you as a bargaining chip to form a marriage alliance with other chaebols!"

Hearing what Zhang Junfeng said, Li Fuzhen, who was originally a little angry, suddenly panicked. She didn't expect that Zhang Junfeng, who had always been a prodigal son in her eyes, would have the power to control him!
Seeing Li Fuzhen's somewhat embarrassed and flustered expression, Zhang Junfeng smiled triumphantly. After letting this woman ride on his head for so long, it was time to collect some interest! As for the previous situation at the Five-Star Li Family, Zhang Junfeng naturally saw some clues.

The person in charge of the Five Star Group and also Li Fuzhen's father, Li Jianxi, did not explicitly express his rejection of their relationship. That shows his attitude, at least he does not object, right?
But once their relationship fails, Li Fuzhen will have no other choice but to be the object of family marriage. After all, a chaebol family like theirs cannot tolerate family members damaging the family's interests again and again for the so-called "love"!
……

Li Fuzhen looked at Zhang Junfeng with a complicated expression. This man had always acted very greedy for money in front of her. Until just now, she suddenly realized that this guy might not be as simple as she imagined!
"...I can pretend that what happened just now never happened! I don't want it to happen again!" Li Fuzhen adjusted her mentality and prepared to get off the car and go to the hotel room that had been booked long ago.

Zhang Junfeng didn't take Li Fuzhen's "threatening words" seriously. While this woman was plotting against him, he was also plotting against this shrewd woman. If he could get both the woman and the money, that would be the best!

……

The next morning, Zhang Junfeng asked the hotel to arrange a driver to take him to Myeongdong in Jung-gu, Seoul. It was a rare trip back home, so he had to go see the old man at home and try to get some funding!

Anyway, instead of letting the old man invest the family's money in those companies that are destined to suffer heavy losses in the financial crisis next year, it is better to give it to him and let him invest in the American stock market to make more profits!
It’s just that his plan was good, but the reality was different!

"Asibaba, you borrowed another 1000 billion won from the general manager of Samsang Department Store last week?!" Zhang Junfeng almost went crazy when he heard the news!

Zhang Fushan couldn't help but frowned, "How can you talk to your elders like that?"

"...Isn't it? Old man, don't tell me that this half-dead Sanshang Department Store can still pay back all the money it borrowed from you! What's the difference between you and throwing 1000 billion away!"

"1000 billion won, converted into US dollars, is more than 1 million. Do you know how much I can earn in a year if I invest this much money in the US stock market?!" Zhang Junfeng said angrily. This old man is so generous to others, but he is so stingy to his grandson! Zhang Fushan looked at his grandson with a complicated expression and said in a low voice, "Song Zhaihuan from Samsang Department Store was your father's good friend before he died..."

Zhang Junfeng, who was originally a little annoyed, suddenly became stuck and silent. When mentioning his adoptive father, Zhang Junfeng didn't know what to say for a moment.

After a while, Zhang Junfeng adjusted his mentality and then asked, "How much cash is left in the family? Have all the mortgaged properties been sold?"

"There is probably less than 1500 billion won left. Less than half of the mortgaged properties have been sold so far. There are not many buyers. It will take some time to sell all of them..."

Zhang Junfeng took a deep breath, calmed down, and then said, "Grandpa, there is something I hope you can listen to! If possible, you need to convert the cash on hand into US dollars as soon as possible!"

"In addition, do not provide loans to companies or individuals within the next year. If someone comes to you, tell them clearly that 9% of the funds of the Myeongdong Zhang family have been lent out and there is no extra money to lend!"

……

Hearing his grandson say this, Zhang Fushan immediately became a little uneasy, "Do you know what you said means? Providing loans and collecting interest is our Zhang family's main business. If we stop the business for a year as you said, do you know how much money we will lose?"

Facing the somewhat angry Zhang Fushan, Zhang Junfeng remained calm, "Then do you know what will happen next?!"

"Grandpa, have you noticed that, in addition to our Goryeo, countries and regions such as Singapore, Formosa, Hong Kong, and even Malaysia, India, Thailand, and the Philippines have been able to flourish in recent years mainly because of the labor-intensive industries transferred from developed countries, such as the textile industry, electrical appliance assembly, plastic processing, food processing, etc., using exports to drive economic development!"

"Take our country of Goryeo as an example. In order to seize the market and seize the initiative, all those companies have borrowed money from everywhere, blindly expanded their scale and increased their production capacity to compete for overseas markets, but they don't realize that their debts are already several times the market value of their companies!"

"Once European and American countries adjust their strategies and take action against Asian countries, do you think the government, which has borrowed all its money from companies, can withstand the financial shock from overseas?!"

Zhang Fushan, who had originally been somewhat nonchalant, was so frightened when he heard his grandson talking about the situation at home and abroad that this old man in his forties couldn't help but break out in a cold sweat!
He knew that what his grandson said was true, especially several domestic banks such as Woori Holdings, KB Bank, Hana Financial Holdings... These large banks all had problems with capital shortages without exception, because there were too many companies coming to borrow money!
It is precisely because it is so difficult to get a loan from a bank that their private lending business in Myeongdong has become quite popular in the past two years. Zhang Fushan and the old lady from the Bai family have become famous "loan sharks"!
(End of this chapter)