After all wealth was wiped out, it became the highest peak in the A-share market.

Chapter 28 Pity my ass!

Subconsciously, Wen He felt a bit resistant.

Selling your personal information could become a stain on your life if problems arise in the future.

However, if it is used solely for stock trading as Li Chao said, then this risk does not seem to exist.

The question is whether or not I should believe what Li Chao said.

Hmm... there's also the temptation of that thousand yuan.

"Is it just for stock trading?" she asked.

Li Chao quickly responded: "Of course, I have no reason to do anything illegal or disorderly. Asking for bank cards and phone numbers is just to facilitate the transfer of funds."

"Yes, of course."

Wen He understood; otherwise, she could control the money, which would be disadvantageous for Li Chao.

After thinking for a few more seconds, Wen He said, "Could you write me a guarantee? If so, I only need five hundred yuan."

"What guarantees?"

"I guarantee it will only be used for stock trading and not for any other purpose."

Li Chao: "In fact, lending out securities accounts is also illegal. If insider trading or market manipulation occurs, you will also be implicated and punished."

"Yeah, I know. I just checked online, but it shouldn't be a big problem, right?"

"Not big."

Li Chao was certainly aware of the risks of using other people's accounts, but if he didn't participate in insider trading or market manipulation, he would basically turn a blind eye, let alone when the amount of money involved was small, he wouldn't even bother with it.

To get an account monitored, the funds in the account would have to be at least over 100 million, which is far from the truth.

I'll start by using two accounts to play around with. Although I can apply for multiple accounts, the connection is too strong. If I fart in one account, the whole market will know.

Another point is that when you have a slightly larger amount of capital, it's a completely different concept to invest 30 million in some stocks than to invest 10 million in each account.

Ten million is not a large sum of money in the eyes of the main players in the market. They can bring one million with them. But if someone has 30 million in their account and is a newcomer, then the main players will not push up the price unless they shake out those 30 million.

In his past life, Li Chao had been called by major investors. He didn't even know where they got his contact information or how they knew the specific amount of his holdings.

He also knew a speculative investor who had invested 300 million yuan in an institutional stock, hoping to ride the wave, but the institution preferred to sell rather than push the price up.

Until he sold all his shares and left, the stock doubled in just half a month.

In this market, the channels through which some people obtain information are beyond what normal people can imagine. Li Chao even suspected that securities firms were selling this information behind the scenes.

Anyway, he doesn't manipulate the market, so even if he's eventually caught, it'll be the lightest offense, with the maximum penalty being a fine of 500,000.

The definition of market manipulation is very strict, and it would be difficult for Li Chao to manipulate the market. He can't just use several accounts to jointly drive up the price and manipulate the market; that would only make him unhappy, and he might not even make any money.

"I can sign the guarantee, but there's something I'd like you to do for me. Of course, I won't let you do it for nothing; there will be compensation."

"What is it?"

"You've come of age, and all the major online lending platforms have prepared a coming-of-age gift for you. Lend me the money for two months, and I'll pay the interest as usual. After you've used it up, I'll pay you an extra 10% fee."

"Online loans? You...you didn't get Nuanyang to help you with that, did you?"

"Yes, it's done."

"Um...can I think about it?"

"Sure, I'll show you her online loan information when I go to sign the guarantee later."

Encouraging people to take out online loans is an act deserving of divine retribution.

Li Chao knew it wasn't a good idea, but when the opportunity presented itself, he wanted to maximize the benefits.

"Then I'll finish writing the rest later."

Because of her previous lie, Wen He is now forced to continue this lie.

We can't just wait for Li Chao to come and then refuse to give it to him.

While waiting, she sat on the edge of the bed and thought about many things.

Firstly, the fact that I could clearly hear what my mother and Li Chao were saying meant that if Li Chao were in the yard, he could also hear my conversation with my mother.

Then, Li Chao thought about finding himself a new job.

He was very generous with his compensation. For example, he would give 2,000 yuan for compiling a self-study system, and 1,000 yuan for just a set of identity information.

There was also a previous time when someone took an exam for someone else and they gave him 600 yuan.

He never asked about my affairs, never said a word of sympathy for me, yet he was always so generous to me.

In a way, isn't this generosity a form of self-pity?

He simply rationalized his pity, not in a condescending tone, and not by demanding gratitude.

Could it be that he found out about my situation from Qin Nuanyang?

Oh well, it doesn't matter anyway, I didn't ask for more.

The 600 yuan for the proxy exam might have been too much, but I voluntarily lowered the price later, so overall it was a reasonable price.

Then she thought of securities accounts, stocks, and so on...

She knew what it meant, but had never encountered it before.

Why these of all?

Is it because these factors make it impossible to assess the cost of payment?

But the interest on online loans must be quite high, right? That would mean losing a lot of money.

As she was thinking, she suddenly realized that she hadn't taken a shower since she got back, so she put her thoughts aside and took a shower first.

When she came back after taking a shower, she turned on the fan and sent messages to Li Chao while drying her hair.

"I just thought about it, and it seems like using online loans to invest in stocks isn't a very reliable thing. I appreciate your help in this matter, but the risks of stock trading and the risks of online loan interest are not good news for either of us. I can't afford to take them, and you don't need to."

Li Chao quickly replied, "I have to take responsibility. I didn't share the profits I made from stocks with you."

"What if we lose money?"

"You won't lose out. I have inside information. Don't worry, I'm already incredibly grateful that you're willing to lend me money. How could I possibly cause you any more trouble? In two months, everything will be over smoothly. You'll pay off your online loans and receive the interest I promised. We'll treat this as if it never happened, and it won't affect you in any way."

……

Li Chao felt that Wen He was not easy to fool.

Qin Nuanyang is so easy to fool. She believes whatever I say. If all else fails, I just show her that note and she immediately backs down.

This Wen He, she thinks too much all the time.

Soon, Wen He replied, "How about this, I won't charge the interest. I've looked at the interest rates for online loans, and they're generally around 18%. If it's only for two months, then on average, borrowing 10,000 yuan would mean paying 300 yuan in interest. I'll cover the interest, and you can give me 5% of your profits."

"No! I'll pay you an extra 10% interest. If you can borrow 50,000 yuan, after two months, after deducting the principal and interest of 51,500 yuan, I'll give you an extra 5,000 yuan interest subsidy."

"Then forget it. I'll bring you the math self-study materials I've prepared later. You don't need anything else."

……

Wen He kept thinking about this while taking a shower. She thought that Li Chao was either deliberately making excuses to help her, or he really had some inside information and wanted to earn some pocket money.

How much can you earn by trading stocks?

Is it possible to earn 10% in two months?

I've calculated that the interest on my two-month online loan is 3%, and I only need a 5% return. As long as Li Chao's investment doesn't double in the stock market, I won't be taking advantage of him, and I'll be bearing the corresponding risks.

To achieve the 10% interest subsidy that Li Chao mentioned, Li Chao would have to double his money within two months before I could take advantage of him.

There's no such thing as doubling your money in two months.

The internet says the stock market seems to be doing well lately, and Li Chao should be lucky enough to make some money...

Of course, it's highly likely that Li Chao simply left the money there after receiving it, waiting two months before making him repay his online loan, pretending the matter was over.

So, since Li Chao doesn't agree to bear the interest himself, he might as well just refuse.

Li Chao: "??? No, stable returns aren't good?"

"Okay, but... I appreciate your help, it's probably because Nuanyang told you about my situation, but I'm doing fine on my own, I really don't need your pity."

……

"Pity my ass! I'm not going to part with any profit! Asking for 5% is robbery!"