Jinyuzhu hotel

In the list of China's richest people published by Forbes in 20 12, there are 32 women, among whom there are two new faces.

It is worth mentioning that one of the women is the prototype of the TV series "Chicken Feathers Fly to Heaven", which tells the story of Luo Yuzhu played by Yin Tao and Chen Jianghe played by Zhang Yi who seized the tide of Yiwu's reform and development and started their own businesses hand in hand.

The prototype of Luo Yuzhu in the play is Zhou Xiaoguang of Guangxin Holding Group. Art comes from life. In reality, Zhou Xiaoguang's life is more ups and downs than in TV series.

This legendary woman, 16 years old, started her business from scratch for 40 years and has a net worth of 10 billion. Unexpectedly, she is now a "veritable" Lao Lai, and tens of billions of debts have not been paid off.

Why are all the successful women on the Forbes list "Lao Lai"? What kind of struggle, fall and glory has she experienced?

The meaning of life lies in expanding, not sticking to it. Standing still may not see a bright future. It is with this idea that Zhou Xiaoguang began her expansion.

In 2004, China became the second largest economy, and the real estate industry in China developed steadily, with real estate profits exceeding 1000 billion. Zhou Xiaoguang seems to see the bright future of real estate, and is no longer satisfied with the single food and accessories business.

In March, 2004, Zhou Xiaoguang and her husband established Guangxin Real Estate, which officially opened the road of commercial diversification, and it has been out of control ever since.

She has expanded her business in insurance, warehousing, tourism, agriculture, network technology, banking and other industries.

Zhou Xiaoguang, who tasted the sweetness of the real estate industry, did not restrain his ambition. In 2008, he even acquired Zhejiang Wanxia and developed it into a large shopping center and high-end hotel.

No one can imagine that a person who has never been to school can have such courage and ambition, and deserves to be called "the queen of ornaments".

However, the real estate industry needs high investment and high debt, and Zhou Xiaoguang, which is eager for quick success and instant benefit, soon encountered a shortage of funds. Since 20 1 1, Zhou Xiaoguang Guangxin Group has issued bonds to support her real estate industry.

After that, Zhou Xiaoguang successively issued 1 1 bonds. Because our group can't borrow money from banks and some financial institutions, and the liquidity in the company's account is insufficient, Xiao borrowed new debts to pay off old debts and began to rob Peter to pay Paul.

Excessive dependence on "bonds" is as addictive as smoking opium. For example, many people like to spend in advance and use credit cards, flower beds and other borrowing methods to meet their needs, but the actual funds are limited, and they can only rob Peter to pay Paul at maturity, so that various borrowing methods take turns.

The more money you borrow, the more addictive it becomes, and the hole is getting bigger and bigger. Zhou Xiaoguang is facing such a problem, but it is different from us poor people. The debt problem she faces is beyond our lives.

The debt problem has been bothering Zhou Xiaoguang, and nothing can solve it. Zhou Xiaoguang has turned its attention to the capital market, and in order to enter the capital market and enjoy the treatment of A shares, the company must go public, but Zhou Xiaoguang Guangxin Group simply does not have this qualification.

This problem didn't bother Zhou Xiaoguang. She thought of a desperate way-to let the company go public by backdoor.

Although there were obstacles during this period, in 20 16, Zhou Xiaoguang successfully acquired the support of Fiona Fang, and the two companies were reorganized into Guangxin Yuancheng through the shell supported by Fiona Fang.

Zhou Xiaoguang became the actual controlling shareholder of Guangxin Yuancheng because the valuation given by the appraisal agency was much higher than the actual value.

At this point, Zhou Xiaoguang and her husband boarded the Hurun Report with a net worth of 80 billion yuan, becoming the richest man in Yiwu, and Zhou Xiaoguang became the richest woman in Zhejiang at that time.

But not everything in this world can be satisfactory, and not everything can be planned by people. As the saying goes, "women are heartless and unstable." This sentence is most suitable for Zhou Xiaoguang.

20 16 Zhou Xiaoguang, eager to go public, signed a gambling agreement with a listed company. One of the agreements is that Zhou Xiaoguang Wansha Real Estate and Dongyang Building Materials need to make a profit of 4 billion in three years.

After the successful listing, Zhou Xiaoguang began to fight for the completion of the agreement: in the first year, that is, 20 16, Zhou Xiaoguang sold Yiwu World Trade Center to someone else in order to achieve the profit target, and then bought it back from that person, so that the company's account had 2.7 billion running water and barely survived the year.

20 17 Zhou Xiaoguang racked his brains to come up with a way to achieve his goal: sell the property, but buyers can only choose people directly linked to the company's interests, so as to ensure foolproof.

Zhou Xiaoguang mobilized the company's executives and relatives to buy more than 900,000 pounds of real estate, and she and her husband also bought more than 500,000 pounds.

Zhou Xiaoguang's boldness is not limited to this. She also let the listed Xinguang Kong Yuan be guaranteed more than 2 billion yuan by Xinguang Group in violation of regulations, but the paper tiger will eventually be punctured.

20 18 is the cold winter of the real estate industry. This year, all the real estate leaders are "saving their lives", including Wanda. It is conceivable that Zhou Xiaoguang's situation is even more difficult, and her house can't be sold.

Fate always plays a big joke on people. Zhou Xiaoguang House can't fulfill its profit promise, and even the bonds have to be redeemed at maturity. It happened that Guangxin Yuancheng borrowed money from the major shareholder Guangxin Group to buy shares at this time.

The reality is that Zhou Xiaoguang didn't keep any promises, not that she didn't want to, but that she couldn't. Because of the default of bonds, the stock of Guangxin Group kept falling, and the credit problem made Zhou Xiaoguang unable to borrow money. If he can't repay the money, he continues to breach the contract, then his assets are frozen, and finally he is sued.

In just one day, Zhou Xiaoguang lost all his property and was burdened with huge debts. According to a remarkable survey, the total amount of unfulfilled funds in Zhou Xiaoguang reached 3.8 billion, and the proportion of unfulfilled funds reached 97.8%.

According to this amount, the reward for this case is even more impressive-as high as 50 million yuan, but this reward is not so easy to get.

Now, Mr. and Mrs. Zhou Xiaoguang are in debt of more than 50 billion yuan, banned from entering the market, released on bail pending trial, and the richest man of the generation came to the end of the road overnight.

Life is never smooth sailing, and so are successful people. Before Zhou Xiaoguang was infected with the economic opium of real estate and bonds, she was once an admirable "jewel queen".

Zhou Xiaoguang's background is different from that of other rich people. Many rich people are actually family businesses. They all had some financial support or family support at the beginning of their business, but Zhou Xiaoguang had nothing.

Zhou Xiaoguang is a poor rural girl who suffers retribution. As the boss of the family, she looked at her younger brothers and sisters and her parents who were already unbearable. Zhou Xiaoguang, a teenager, had no choice but to shoulder the heavy responsibility of bringing home the bacon.

Zhou Xiaoguang, who didn't finish high school, dropped out of school to help his parents do some farm work at home, but such a day only lightened their parents' physical fatigue, but did not change the poor family.

/kloc-When he was 0/6 years old, he saw others go out to work to earn money, so Zhou Xiaoguang consulted his parents, and he also went out to work to earn money to support his family.

Parents watched a dozen people starve at home, agreed to let Zhou Xiaoguang go out, and suggested that she could do some small businesses, such as setting up stalls.

However, parents surrounded by family members could not afford the funds from Zhou Xiaoguang, so Zhou Xiao went to Shanghai to set up a stall empty-handed, with a feeling of self-confidence.

Although there were stalls, at that time, the urban management was also very tight, and some gangsters had to collect protection fees, and so on. Zhou Xiaoguang was scared all day.

A month later, he didn't make much money, and people were "tortured" by the outside world, so Zhou Xiaoguang had to return to his hometown again.

After adjusting her health at home, Zhou Xiaoguang didn't want to give up. She didn't believe that she could only spend her whole life in an acre of land in the country, so she chose to go out again to survive.

Zhou Xiaoguang borrowed the only 20 yuan money left at home and went to the northeast alone. Before leaving, Zhou Xiaoguang's mother told her to have a plan, not to be blind, and to be brave after seizing the opportunity. In this way, Zhou Xiaoguang once again embarked on the road to survival.

Although the trip to the northeast is no longer as horrible as the trip to Shanghai, life is really hard. As we all know, food, clothing, housing and transportation are extremely important for a person to go out, and the lack of any one will make people suffer.

Zhou Xiaoguang lacks food, clothing, housing and transportation. She can't afford to stay in a hotel, let alone rent a house. She also ate the last meal without the next meal, and her clothes were thin in the northeast, which was particularly cold in winter.

Zhou Xiaoguang gritted his teeth and stayed in the Northeast for more than 40 days, memorizing dozens of Jin embroidery patterns. Many things happen. This time, Zhou Xiaoguang earned 380 yuan and returned to his hometown.

The trip to Northeast China showed Zhou Xiaoguang the future. She decided to make a career, so she started running around and set up a stall for six years.

Many things happen. Finally, Zhou Xiaoguang accumulated more than 20,000 yuan. At that time, Zhou Xiaoguang was already a rare household with ten thousand yuan, and this twenty thousand yuan became the first bucket of gold in Zhou Xiaoguang small commodity market.

At this time, Zhou Xiaoguang is already a girl in her twenties. Her life is about to start a new stage, and her life events will also be put on the agenda.

During her seven years on the run, she met Yu, a person who shared her dream, and was deeply attracted. In my opinion, it not only exudes indomitable charm, but also is a desperate distress.

After getting married, Zhou Xiaoguang stopped thinking about going abroad and decided to open a small commodity market in Yiwu. She bought a booth in Yiwu and started selling trinkets.

Zhou Xiaoguang accumulated not only money, but also her will and vision during her years of wandering. She is honest and trustworthy in business, which also makes her very popular in the small commodity market.

Husband and wife work hard, one share sells and the other shares advances. China's small commodity market is very hot, which is also a loss. In less than five years, Zhou Xiaoguang bought a house and opened a new store in the best community in Yiwu.

However, Zhou Xiaoguang was not satisfied with the status quo in his bones. Zhou Xiaoguang, who is dedicated to her career, is not satisfied with the small shops in front of her. She began to look for the right time to enter the jewelry factory, the source of jewelry.

After consulting with her husband, Zhou Xiaoguang set up a jewelry factory-Guangxin Jewelry Co., Ltd. with a deposit of more than 7 million yuan.

Her vision and courage are unprecedented. With her enthusiasm for the future, the business of their jewelry factory is booming, and the factory has expanded from more than 200 to more than 700.

Zhou Xiaoguang's jewelry business is getting bigger and bigger, and many of his men have started to steal things from Zhou Xiaoguang and go it alone. In order to maintain the position of "the leader" in Guangxin jewelry industry, Zhou Xiaoguang is introducing new products every day. However, the new products were copied by peers as soon as they came out, which greatly reduced the profits of the jewelry industry.

Knowing that he couldn't rest on his laurels, Zhou Xiaoguang began to study abroad, introduced overseas technology and hired a team of professional designers to create a high-end collection of Chinese jewelry.

At the 200 Hong Kong International Jewelry Fair, Zhou Xiaoyun fought his way to the high-end jewelry market with many new jewels. This time, Zhou Xiaoguang was right again. She went abroad with Guangxin ornaments, and even the head of Swarovski has seen her personally.

Since then, Zhou Xiaoguang has become a veritable "jewel queen" in China. As mentioned above, Zhou Xiaoguang is an unsatisfied person. If she continues to be bigger and stronger in the jewelry industry, I think her Guangxin jewelry will become the next Swarovski.

However, after Zhou Xiaoguang gave Guangxin Jewelry to her son to make high-end retail jewelry and entered the real estate industry, her life changed.

Zhou Xiaoguang has a far superior will and efforts, as well as a keen and intelligent mind. However, her greed and ambition to surpass herself brought her to the end of her life.

The development of the times will certainly bring opportunities, but the risks are the same. There is no need to blindly follow the trend of the times.

If a person is insatiable, he will lose his nature, and the struggle of insatiable will only hurt him more. I don't think Zhou Xiaoguang's ending would be so bleak if she made her Guangxin ornaments with her initial heart.

I just want to say here that desire is human nature, but we must master the degree. Once you exceed the bottom line, you will eventually have to pay for it. Life is like a journey, you and I are both passers-by.

Zhou Xiaoguang's hard-working life collapsed in an instant, not to mention us ordinary people. I also hope that you can see the present situation clearly, and strive for what you desire slowly and steadily. I think what belongs to you will always belong to you, not that you can't get it no matter how hard you try, and even if you do, you will lose it.