Returning to his senior year of high school, he went all in and made billions by buying at the botto

New Year's Day morning, Zijing Student Apartment.

While the entire dormitory building was still asleep during the holiday, Su Qingyan had been sitting quietly at her desk for more than two hours.

On the left is a microeconomics textbook, and on the right is a book on commercial bank management that I just borrowed from the library.

On the computer screen, Huake Bank's publicly available financial data over the years and case studies of the establishment of several private banks were displayed.

She has not yet had access to the internal documents of Moyan Financial.

What you can do is start with publicly available information to understand a bank's balance sheet, capital adequacy ratio, deposit and loan structure, and sources of risk.

Cheng Jingyi came in with water, paused behind her, looked at her, and frowned slightly: "It's New Year's Day holiday today."

"I know."

"The main library only opens in the afternoon."

"I watched it in my dorm this morning."

Cheng Jingyi glanced at the schedule posted on the wall.

I get up at seven o'clock.

From 8 to 10 o'clock, I reviewed microeconomics.

From 10:00 to 11:30, we will discuss bank case studies.

I spent the afternoon at the library and the evening organizing data from a Pinduoduo survey.

The word "vacation" seemed to be absent from Su Qingyan's plans.

Tang Sinan peeked out from under the covers, rubbing her messy long hair, her face full of sorrow: "Qingyan, my darling, tell me honestly, did something happen to you?"

"It's just a final exam, is it really necessary to memorize the entire commercial bank bankruptcy liquidation regulations?"

Su Qingyan did not answer, and continued to record the income structure of different banks in her notebook.

Zhou Yuning, who was organizing Pinduoduo's business model, pushed up her black-rimmed glasses and looked up, saying, "She has already applied for a double major in economics and management and an advanced finance experimental class next semester."

"Economics and Management already has finance courses," Tang Sinan said. "Is it really necessary to schedule yourself so full now?"

Zhou Yuning thought for a moment, then continued, "Maybe this is what a top-tier academic achiever is?"

Cheng Jingyi put the water glass back on the table: "At least it's better than deciding on my career path in my senior year, right? I'm also planning to apply for a double degree."

Tang Sinan glanced at the three of them, sighed, and flopped back onto the bed: "I was wrong. I shouldn't have discussed studying in the Tsinghua dormitory."

"It makes me seem very lacking in self-awareness."

A burst of laughter erupted in the dormitory.

Su Qingyan also smiled and smiled.

She hasn't told her three roommates yet that her plans lead to a financial platform named after her.

My phone, which was on the table, suddenly vibrated.

Su Qingyan looked down.

The message came from Chen Mo.

There are only five characters.

"I'm back at Tsinghua University."

Su Qingyan's hand holding the pen froze in mid-air.

The next message appeared immediately.

"At Katsuin-in Temple."

She glanced at the time, then looked at the schedule she had just started writing.

He then deftly closed the heavy laptop, shut the computer, got up, opened the wardrobe, and took out a cashmere coat.

Tang Sinan poked her head out from under the covers again, looking completely bewildered: "Isn't the main library only supposed to open this afternoon? Why are you out already?"

"Something came up unexpectedly."

"Are you going back to the dorm for lunch?"

"I'm not coming back."

Su Qingyan quickly wrapped the red and white checkered scarf around her neck, grabbed the canvas bag on the table, and strode towards the door. Her steps were so light that she almost knocked over the umbrella behind the door.

After the door closed, Tang Sinan slowly sat up straight.

"What's going on?"

Cheng Jingyi picked up her water glass, took a sip, and said knowingly, "Who else could it be but Chen Mo who's back?"

Zhou Yuning glanced at the table lamp that Su Qingyan hadn't turned off.

Tang Sinan remained silent for a few seconds.

"Well, at least I can finally escape the sea of ​​studies and relax a bit."

……

A biting winter wind swept through the tree-lined paths of Tsinghua University.

The campus was empty and quiet during the holiday. Su Qingyan jogged along the way, not feeling the cold at all.

When she reached the vicinity of Shengyin Temple, she was already slightly out of breath, and the tip of her nose was frozen red by the cold wind.

Wei Shan stood outside the gate of the three courtyards.

He already knew Su Qingyan, and stepped aside to open the door for her.

"Mr. Chen is in the living room."

Su Qingyan thanked him softly and pushed open the door to enter.

The room was warm and cozy, and the scent of pine wood dispelled the chill.

Chen Mo was leaning against the sunlit sofa, with wisps of white steam rising from the purple clay teapot in front of him.

Seeing her slightly disheveled long hair and gently rising and falling chest, a smile appeared in his eyes.

"Did you run here?"

"no."

Su Qingyan took off her scarf.

"You walked a little too fast."

Chen Mo did not expose her, but pushed one of the cups of warm tea in front of her.

Happy New Year, Su.

"Happy New Year."

Su Qingyan sat down beside him, took a sip of her hot tea, and unconsciously looked him up and down for a few seconds with her bright peach blossom eyes.

Then she spoke softly, "How long will you be able to stay at the school this time you return to Beijing?"

"Around mid-month, there will be the AIIB founding ceremony."

"That's still quite a long time."

Su Qingyan tried her best to keep her tone steady, but her fingers secretly tightened their grip on the teacup.

Chen Mo looked at the canvas bag she had brought.

A book on commercial bank management was visible inside.

"Still reading during the holidays?"

"Let's look at the publicly available information first."

Su Qingyan took the book out.

"I realized I had been underestimating banks."

"Deposits, loans, and interest rate spreads are just the most superficial things."

"Capital constraints, maturity mismatch, liquidity, and non-performing assets—each of these can determine whether a bank can survive."

Chen Mo was somewhat surprised.

Less than a month after leaving, she had moved from the draft framework to the actual learning stage.

"How's the progress?"

"I can grasp the theoretical framework, but I lack a deep understanding of real-world business scenarios."

Su Qingyan didn't exaggerate her progress: "So, I want to bring forward the original plan."

"What's wrong?"

"I want to do an internship during the winter break." She looked at Chen Mo. "I want to join the Moyan preparation team and start from the most basic work."

"I will never have unauthorized access to core data or signature processes before obtaining my professional qualifications."

Clearly, she had already researched what interns could do.

Chen Mo didn't immediately agree: "What about the final exams?"

"It will end in mid-January. There are still three weeks before the Spring Festival, so it won't affect the results."

"Applying for a second major?"

"The college allows students to take the relevant courses in the next semester, and the formal confirmation will be made in their second year."

Su Qingyan explained her plan point by point, raising her delicate chin slightly: "I don't want to wait until I graduate from university to finally understand how the gears of a financial institution work."

Chen Mo looked at her.

The girl before me was still so aloof, proud, and confident that it was impossible to look away.

But what truly delighted him was that she began to choose her own path.

"Can."

Chen Mo finally agreed.

"After the final exams, report to the office where Moyan Financial Holdings is being prepared."

"First, participate in a two-week basic job rotation. The first week involves industry research and project management, and the second week involves joining the compliance preparation team."

Su Qingyan's eyes lit up noticeably: "Does the person in charge know about our relationship?"

"The compliance officer must know this," Chen Mo said. "Your daily mentors will only know that you are a Tsinghua intern recommended by the shareholders, and if you don't perform well, you will still be sent back to school."

"It's a deal." Su Qingyan showed no fear whatsoever; instead, she smiled. "Then you should have HR prepare in advance."

"I'll wait and see."

Outside the window, the first rays of the new year's sunlight fell on the courtyard wall of Shengyin Temple.

Su Qingyan opened the book on commercial bank management and pushed the parts she hadn't understood to Chen Mo.

"Since you've agreed, then you should first fulfill your mentoring obligations."

"Explain this problem to me."

Chen Mo glanced down at it.

"Su, have you forgotten? I'm from the Electronic Engineering Department."

"Even Mr. Chen from Taichu Capital doesn't know that?"

"That's a different consultation rate."

Su Qingyan closed her pen cap, tilted her head and smiled, her eyes curving like crescent moons: "I'll make lunch."

"make a deal."

By the window where the warm sunlight streamed in, the two sat side by side at the large desk.

The first spark of Moyan Financial Holdings was quietly ignited in this quiet study, with the dawn of the new year.