Only after being reborn did I realize how fascinating the world of the rich is.

That day, he had just gotten out of the hustle and bustle of Fang Huiya and Miao Peipei when he received a call from Liu Qianqian, who said they had some questions about the company's accounts and hoped he could come over to explain.

Without saying a word, Li Xiaofeng drove to his advertising company.

"What, do you have any questions about the company's accounts?"

Sun Wenxuan handed him a document, looking somewhat displeased, and said, "President Li, take a look. This is the information I compiled from our financial accounts. What, does the company need to borrow money from you at exorbitant interest rates to operate?"

Li Xiaofeng glanced at it a few times, then looked up at him with some confusion: "What's wrong? Is there a problem?"

"What's the problem? This is usury, 3% interest every month. We've been working so hard for so long, and we haven't made much money to begin with. A significant portion of the company's profits have been siphoned off by you. How are you going to explain this to us?"

"There's a reason why the company's profits are low. You yourselves know that the business you get from the TV station has already been skimmed off several times over, so the profits are inherently very low."

As for why I borrowed money from the company, it's because your business volume is too large, and the company's capital is not enough for working capital. I have to take out additional money to help the company with its operations.

This is a partnership, so let's keep things separate. I'm just following the market rate; I can't let my money go to the company for free!

"This is your company!"

"But the company's profits don't all go to me; I only get a small portion, don't I?"

Sun Wenxuan said somewhat indignantly, "Then you can't calculate the interest rate so high! I'll just calculate it for you based on the highest deposit interest rate!"

Li Xiaofeng sneered: "Deposit interest? Even if you calculate it for me at the highest loan interest rate, I still won't agree. How can you do business like this!"

Liu Qianqian, who was standing to the side, also said with some displeasure, "Xiaofeng, what you're doing is really going too far!"

"I'm being unreasonable? You two college students have been running a business for so long, are you really that naive? Do you know the government's attitude towards usury? It neither encourages nor supports it, but tacitly condones its existence!"

Why does the government now tacitly condone the existence of usury? It's because in the current market environment, small and medium-sized enterprises (SMEs) simply cannot operate without the support of usury.

Without high-interest loans, not only would they not have been able to get started, but a large number of small and medium-sized enterprises might have gone bankrupt very soon!

Sun Wenxuan retorted, unconvinced, "That's impossible. If you're short of money, why not take out a bank loan instead of borrowing from loan sharks? Isn't that just plain crazy?"

"Do you think all those small businesses that borrow money from loan sharks are less intelligent than you? Are they all crazy? Go to the bank for a loan? Our advertising company doesn't have any fixed assets, you try to get a loan and let me see!"

What, you're going to say it's because your dad's the head of a TV station? Do you think he's that powerful? That he can just swipe money out of a bank?

"Let alone advertising companies like ours, even manufacturing factories find it very difficult to get loans from banks. Those factory buildings and machinery are practically worthless in the eyes of banks!"

Sun Wenxuan and Liu Qianqian exchanged a glance and remained silent.

Li Xiaofeng continued angrily, "Another thing is that bank loan interest is calculated annually. Even if you only use it for one month, you still have to pay the bank a year's worth of interest."

Usury interest rates are calculated monthly, and as long as the turnover is fast enough, the interest rate of usury is actually lower than that of bank loans.

Moreover, high-interest loans have simple procedures and fast disbursement, especially for companies that rely on foreign trade orders. They often use high-interest loans to operate when they receive large orders.

Sun Wenxuan sighed and said, "But Qianqian and I have been working hard for more than half a year and have already completed orders worth five or six million."

But when I came to the company today to do the math, the net profit was only three or four hundred thousand, and the net profit margin was only seven or eight percent. Wasn't all this work for nothing?

Li Xiaofeng sneered again: "Based on the current operating situation, if the company operates for a whole year, I estimate you can generate seven or eight million in revenue, with a net profit of about five or six hundred thousand."

I estimate that you, Liu Qianqian, can get 150,000 to 160,000, while your salary, commission, and bonuses will be more than Liu Qianqian's. What, are you not satisfied?

Don't you guys even bother to ask around? Do any graduates from Shanghai University earn 2,000 yuan a month when they go out to find jobs? At most, they'll earn a little over 20,000 yuan a year. You should be grateful!

Don't forget, I invested over a million yuan, and after a year I only earned a little over ten thousand, no more than you guys!

Sun Wenxuan said somewhat unwillingly, "But the company is yours. When the company grows bigger in the future, you can earn more money. Anyway, I think I can earn more!"

"I will earn more money in the future, but that's in the future, not now. The future is uncertain. What if the company loses money and goes bankrupt in the future? Will you help me cover the losses?"

Want to earn more money? No problem! Go out and take on more business, preferably some with high profit margins. You'll definitely earn more money!

I believe the treatment I've given you is more than fair, but I invest in a company to make money, not for charity.

If you're not comfortable or satisfied here, you're free to look elsewhere and see if someone else offers you better treatment!

Liu Qianqian said weakly from the side, "Xiaofeng, don't be angry. Maybe we can find other solutions. As you can see, the company's business is growing bigger and bigger."

The one million you invested before is simply not enough. If it really doesn't work, why don't you invest some more money into the company?

Li Xiaofeng glanced at Liu Qianqian, laughed, and said in an annoyed tone, "What, do you think that if I increase my investment, you'll get a bigger share of the money?"

For example, if I invest another million, the company's registered capital will be two million. Your shareholding, Liu Qianqian, will decrease from 30% to 15%, while your shareholding, Sun Wenxuan, will decrease from 10% to 5%.

If I were to increase my investment further, your shareholding would be diluted even more significantly, and your actual income would be almost the same as it is now!

Liu Qianqian asked with some disappointment, "What, won't our shares increase along with it?"

"Liu Qianqian, my money doesn't grow on trees. It's distributed based on each person's contribution to the company. Do you think it's reasonable to suddenly give you hundreds of thousands, or even millions, of shares for no reason?"