Text/Editor: Arrow
As the saying goes, husband and wife were originally the same forest bird, and they flew separately when the disaster came, and now they can't wait to tear their faces with their other half as soon as they encounter things.
In this regard, Luo Yonghao's wife Chai Jing has a different view, as a TV host, she not only did not give up Luo Yonghao, who owed 600 million yuan to bankruptcy, but also resolutely helped him take a loan of 96 million.
God knows how much courage and courage Chai Jing needs to agree, why can Luo Yonghao let such a woman pay for him?
"Industry lamp" Luo Yonghao
Five years ago, it was the year that Luo Yonghao officially declared bankruptcy, in fact, his failure was foreshadowed, and judging from the smartphone company he founded, he never made a name for himself.
Perhaps relying on Luo Yonghao's own name when it was first established, some of his followers will buy it, in fact, when the first generation of smart nut mobile phones was first launched, sales were indeed good, although they still did not reach the goals that Luo Yonghao set for himself.
So why, Luo Yonghao's hammer intelligence company will get worse and worse? In the end, he also saddled himself with 600 million in arrears, not only was consumption restricted, but also ended up "betraying and leaving".
All this starts with Luo Yonghao's resignation from New Oriental, when Luo Yonghao left New Oriental, where he worked for five years, you must know that this is the job opportunity that he "died with" and begged Yu Minhong for a job.
But five years later, Luo Yonghao resolutely left the place that had brought him hope to find his own entrepreneurial opportunities, he did not like the current situation, or rather, this is not the life Luo Yonghao wants.
But after leaving Luo Yonghao, it seems to have lost the smooth sailing days of previous years, the so-called "industry lamp" is not out of nowhere, it is Luo Yonghao's experience of planning to start a business.
At that time, Luo Yonghao and his friend Huang Bin set their sights on the fat meat of the website and set up a reading website called "Niubo Net", which not only invited many well-known domestic writers to settle in the website, but also played the slogan of "never delete the post", which attracted many netizens to come to watch for a while.
During that time, Luo Yonghao did make a good profit, which can also be regarded as his "first pot of gold" for starting a business, and he was not idle when he got this money, and turned around and set up his old business, that is, educational institutions.
As an English teacher from a training institution, he not only has experience, but more importantly, he must have resources, which happens to be what Luo Yonghao possesses, and he was widely welcomed by students at that time because of his witty and humorous teaching style.
Coupled with Luo Yonghao's own strength, website plus training institutions, Luo Yonghao at this time can be described as two flowers, but the good times are not long, he predicted the future hot industry, but did not expect the rapidly changing reality.
Because of some sensitive political issues, the website faced closure, although it had been temporarily closed for various reasons before, but it was officially closed after less than three years, even though Luo Yonghao claimed that no one wanted to see the website, so he chose to close it.
But this also reflects the fact that Luo Yonghao can no longer support the operating costs of "Niubo Network", and can only choose to end this business first, and more importantly, with the development of the times, people's attention no longer stays on the website, and it may be wise to close.
But one thing was not satisfactory, everything was not satisfactory, and the training school founded by Luo Yonghao gradually became depressed, because the educational institutions at that time continued to spring up, and the advantages of Luo Yonghao's school were constantly compressed.
And there is a very cruel reality that he will never be able to do his old employer, which is also the leading big brother of educational institutions - New Oriental, so soon after, he also chose to leave the education industry and turn to find new development opportunities.
This time, he set his sights on the smartphone industry and made a decision that he might regret for the rest of his life: to open a mobile phone company!
I have to say that Luo Yonghao has a certain market vision, the mobile phone market at that time was only famous for Samsung, Apple and other old mobile phones, like today's Xiaomi, OPPO and other mobile phones have not yet risen, there is still a lot of room for development.
To this end, Luo Yonghao not only used his identity as an "Internet celebrity" to create momentum, but also used the "Siemens" refrigerator incident to expand his popularity, in short, Luo Yonghao ushered in his third entrepreneurial opportunity.
When the mobile phone was first listed, it was still optimistic by many people, plus the quality of the mobile phone was indeed good, and it was also welcomed by people for a while, just like Luo Yonghao's momentum at the beginning of each venture was very good, and this time it also ended in failure.
I don't know what the reason is, the quality of Luo Yonghao's mobile phones is getting worse and worse, customers are not fools, of course, they will choose the best, coupled with the rapid development of the smartphone industry at that time, things that do not cater to customer needs will naturally be eliminated.
From 2012 to 2018, in just 6 years, Luo Yonghao's hammer technology company could not support it, declared bankruptcy, Luo Yonghao also owed a "famous" debt of 600 million, 6 years for 600 million, I don't know how Luo Yonghao feels.
In fact, Luo Yonghao is not so much because of his ability, but that he is a complete idealist, he is not without ideas, but he always thinks things too idealistically, perhaps it is this that will not make Luo Yonghao on the verge of collapse when he owes 600 million debts.
Stubborn idealist
From the time Luo Yonghao was a child, he could feel his different views on the world, just as he thought that schools were places that bound people and disliked the school's exam education, and resolutely decided to drop out of high school.
Fortunately, Luo Yonghao's family was not poor at that time, supporting Luo Yonghao's willfulness, but Luo Yonghao was not idle, and he left home to work shortly after dropping out of school.
At that time, the young Luo Yonghao kept tossing and turning in the society, working as a cashier, working on a construction site and all the work he could think of, as long as he could make money, Luo Yonghao would give it a try.
At this time, Luo Yonghao still had stubborn idealism, just like when he heard his sister say that New Oriental's teachers had high salaries, he immediately decided to send his resume to Yu Hongmin, the founder of New Oriental at the time.
Regardless of his junior high school education, he wrote more than 10,000 words and handed it to the person in charge at that time, through his communication skills, he also worked hard to improve his level, and finally became a staff member of New Oriental and got a superior salary.
It is with such an idealistic spirit that Luo Yonghao did not disappear in the crowd, even if he owes 600 million yuan now, he did not choose to escape.
But what really made Luo Yonghao persist had to be his wife Chai Jing, the woman who risked to vouch for Luo Yonghao, who had been silently by his side and gave him encouragement.
The sole beneficiary of 20 million insurance
At that time, Luo Yonghao became a "lai" that everyone shouted at because he had a debt of 600 million, so when Luo Yonghao wanted to borrow from the bank, the bank must not believe Luo Yonghao, for fear that he would never see him again after taking the money.
But Luo Yonghao is not unable to repay, plus he has good credit, so the bank assessed Luo Yonghao's comprehensive strength and put forward a condition to Luo Yonghao: the loan can be, but a guarantor must be found.
The so-called guarantor is to bear part of Luo Yonghao's obligations, when Luo Yonghao can't pay back for some reason, he needs a guarantor to repay, which is close to a loan of 100 million, and almost no one is willing to take this risk.
The first thing Luo Yonghao thought of was his wife Chai Jing, and sure enough, as he expected, when he told Chai Jing about this, Chai Jing was stunned and agreed.
It's just that when completing the formalities, he jokingly said: "You have to live well, otherwise what can I do", just this sentence entered Luo Yonghao's heart.
So soon after, he bought an insurance worth 20 million, and the beneficiary column only wrote Chai Jing's name, which was his guarantee for his wife and a promise.
Of course, Luo Yonghao's wife Chai Jing is not Chai Jing who works in CCTV, although both of them are related to Luo Yonghao, but this Chai Jing is not Chai Jing, don't admit it.
In this way, with the strong support of his wife, Luo Yonghao can continue to persevere, not only accepting the invitation of the variety show "Talk Show 4" to become a leading joker, but also opening the live broadcast mode of bringing goods, claiming to stage a "true return", saying that he will never be old.
Luo Yonghao can put down his body, as long as he can make money, whether it is a variety show or endorsement, he will follow, the early "old Luo quotes" made him have a certain popularity in itself, and it is not an exaggeration to say that it is the first batch of Internet celebrities in China.
Taking advantage of the rapid development of today's new media industry, the people of the whole country witnessed the process of returning the money, established a "make a friend" live broadcast room, and created a transaction volume of more than 100 million in the first live broadcast.
Generously and frankly stated that he was here to make money, and such a frank attitude unexpectedly won the love of the audience, especially those who have watched Luo Yonghao's lectures, and are willing to help Luo Yonghao repay within their ability.
In 2021, Luo Yonghao revealed in the show that most of the arrears have been repaid, and the remaining arrears will be repaid in these years, of course, according to the recent explanation of Luo Yonghao's team, the arrears have not been paid so far, but Luo Yonghao will not give up and will continue to work hard to repay.
In this social atmosphere where money is the boss, Luo Yonghao owes 600 million, but instead of evading, it takes a certain amount of courage to face everyone's doubts calmly.
In addition to his own characteristics, but also the help of his wife, there is no doubt that Luo Yonghao is lucky, the husband and wife repay the loan together, it is also a good story, and it is even more precious in today's society, and I hope that everyone can meet people who can go hand in hand with their ups and downs!