一个敢借，一个敢给！
One Dared to Borrow,One Dared to Lend!
1995年，在安徽芜湖，穷表弟向富表哥借了250万，表哥毫不犹豫就拿出钱来，结果到了2022年，表哥因持有表弟公司的股份成为广州首富，而表弟早已成为中国首富。
在安徽芜湖的农村，王传福家的土坯房一到雨天就漏水。
十三岁父亲去世，他只能眼睁睁看着母亲拼命干活养家。
没等王传福初中毕业，母亲也走了。
姐姐们陆续嫁人，空荡荡的屋子里就剩下他和哥哥王传方。
为了供弟弟念书，哥哥十八岁就跑到工地扛水泥。
王传方结婚后，嫂子张菊秀二话不说接手了这个家。
她抠门得连五毛钱的蛤蜊油都舍不得买，却三天两头给王传福碗里添肉。
有年暑假王传福想辍学，哥嫂把锄头往地上一杵：“你敢不念书试试？”
到长沙上大学那年，哥嫂砸了安徽老家的铁锅，跟着去长沙开了杂货铺。
嫂子从娘家借来的学费用红布包了三层，交到王传福手上时还带着体温。
这种日子王传福憋着一股劲，从中南大学到北京有色金属研究院，26岁当上了处级干部。
90年代的深圳让王传福看花了眼。
满街的老板拿着砖头大的大哥大，光块电池就顶普通人半年工资。
研究了半辈子电池的他坐不住了。
1995年，王传福辞职创办比亚迪要做充电电池，连办公场地都租好了。
结果投钱的金主临时反悔，把计划书甩在他脸上：“小作坊翻不出浪花！”
口袋里只剩钢镚的王传福站在珠江边抽了半包烟，最后拨通表哥吕向阳的电话。
这个表哥当年初中毕业就进了银行，如今在广东商界混得风生水起。
王传福硬着头皮开口借250万，电话那头静了十秒。
吕向阳第二天开辆皇冠赶到深圳。
听完表弟的电池计划，他从银行保险柜取出成捆现金：“钱拿走，亏了算我的！”
原来吕向阳十六岁就在人行柜台点钞票，九十年代初房地产火热，他靠倒卖建材赚到第一桶金。
1995年刚成立融捷集团，账户里躺着两千多万。
比亚迪起步时窝在铁皮厂房里，王传福带人手工组装电池盒。
靠着比日本货便宜一半的价格，第一年就卖出三千万块镍铬电池。
吕向阳把副董事长办公室锁上，常年见不到人。
直到2002年比亚迪在香港上市，他才穿着皱巴巴西装出现，手里攥着配股书笑得合不拢嘴。
2003年比亚迪造汽车的消息传出，投资界炸了锅。
股东会上七个董事拍桌子反对，王传福把研发图纸拍在桌上：“五年造不出车我辞职！”
吕向阳转着茶杯打圆场：“让他折腾吧。”
后来王传福带团队拆了五十辆丰田车测绘，三年后F3下线就卖出十万辆。
2008年金融风暴里，巴菲特18亿港元注资比亚迪的新闻上了央视。
吕向阳在安徽老家盖的新房刚上梁，村里人这才知道那250万变成了1300多亿。
那年王传福当了半小时中国首富，吕向阳的股票市值比广州前十富豪加起来还多。
如今吕向阳的融捷集团在番禺盖了27层大楼，顶层会议室挂着1995年深圳铁皮厂的黑白照片。
去年广州企业家年会，有新人问投资秘诀，吕向阳指着邻桌吃盒饭的王传福：“找对人比看对项目重要。”
话音未落，王传福笑着举起矿泉水隔空碰杯。
当年比亚迪开工时，他俩在流水线旁喝的也是这个牌子。
对此，您怎么看呢？
In1995,in Wuhu,Anhui,a poor cousin borrowed2.5million yuan from his wealthy cousin.Without hesitation,the cousin handed over the money.By2022,that cousin,by holding shares in his cousin’s company,had become the richest man in Guangzhou,while the once‑poor cousin had already become the richest man in China.
In a rural village of Wuhu,Anhui,the mud‑brick house of Wang Chuanfu’s family leaked whenever it rained.When he was13,his father passed away,and he could only watch helplessly as his mother worked herself to exhaustion to support the family.Before Wang Chuanfu could even graduate from middle school,his mother also passed away.His sisters married one by one,leaving only him and his elder brother Wang Chuanfang in the empty house.To pay for his younger brother’s education,Wang Chuanfang started carrying cement on construction sites at18.After his brother married,his sister‑in‑law,Zhang Juxiu,took over the family responsibilities without a word.She was so frugal she wouldn’t even buy a50‑cent bottle of clam oil,yet she often slipped pieces of meat into Wang Chuanfu’s bowl.One summer,when Wang Chuanfu wanted to drop out of school,his brother and sister‑in‑law stuck their hoes into the ground and said,“Just try quitting school and see what happens!”
When he went to college in Changsha,his brother and sister‑in‑law smashed the family’s old iron pot in Anhui to raise funds and followed him to Changsha to open a small grocery store.The tuition money that his sister‑in‑law borrowed from her parents was wrapped in three layers of red cloth and still warm when she placed it in Wang Chuanfu’s hands.
Carrying that determination,Wang Chuanfu advanced from Central South University to the Beijing General Research Institute for Nonferrous Metals,becoming a division‑level official at26.
In the1990s,Shenzhen dazzled him.Businessmen roamed the streets with brick‑sized mobile phones,and a single battery cost half a worker’s annual salary.Having researched batteries half his life,he couldn’t sit still.In1995,Wang Chuanfu resigned and set out to establish BYD to make rechargeable batteries,even securing a workspace.But the investor who promised funds backed out at the last minute,tossing the proposal back at him:“A little workshop won’t make any waves!”
With only a few coins in his pocket,Wang Chuanfu smoked half a pack of cigarettes by the Pearl River before finally calling his cousin LüXiangyang.That cousin,who had started working at a bank after junior high,was thriving in Guangdong’s business world.Wang Chuanfu,with gritted teeth,asked to borrow2.5million yuan.On the other end,there was silence for ten seconds.The next day,LüXiangyang drove a Crown to Shenzhen.After hearing the battery plan,he went to his bank’s vault,withdrew stacks of cash,and said,“Take the money—if you lose it,it’s on me!”
LüXiangyang had started counting cash at the bank counter at16.In the early’90s,when real estate boomed,he made his first pot of gold trading building materials.In1995,he had just founded Rongjie Group,with over20million yuan sitting in the account.
BYD started in a corrugated‑iron workshop,with Wang Chuanfu and his team hand‑assembling battery packs.Selling batteries at half the price of Japanese ones,they moved30million nickel‑cadmium batteries in the first year.LüXiangyang locked up the vice chairman’s office and was rarely seen.It wasn’t until BYD went public in Hong Kong in2002that he showed up in a wrinkled suit,clutching his stock allocation papers,grinning ear to ear.
When news broke in2003that BYD would make cars,the investment world exploded.At the shareholders’meeting,seven directors slammed the table in opposition.Wang Chuanfu slapped down the design drawings:“If we can’t make a car in five years,I’ll resign!”LüXiangyang turned his teacup in his hands and smoothed things over:“Let him try.”
Later,Wang Chuanfu’s team disassembled50Toyota cars for reverse engineering.Three years later,the F3rolled off the line and sold100,000units.In the2008financial crisis,news broke on CCTV that Warren Buffett invested HK$1.8billion in BYD.
Back in Anhui,LüXiangyang’s new house had just been topped out.The villagers then realized that the2.5million yuan had turned into over130billion.That same year,Wang Chuanfu briefly became China’s richest man,while LüXiangyang’s stock holdings were worth more than the combined wealth of Guangzhou’s top ten tycoons.
Today,LüXiangyang’s Rongjie Group has a27‑story building in Panyu,with a black‑and‑white photo of the1995Shenzhen iron‑sheet workshop hanging in the top‑floor conference room.At last year’s Guangzhou Entrepreneurs’Annual Meeting,a newcomer asked him for investment advice.LüXiangyang pointed at Wang Chuanfu,who was eating a boxed meal at the next table:“Finding the right person is more important than picking the right project.”Before he finished,Wang Chuanfu raised his bottle of mineral water and clinked glasses across the room.Back when BYD first started,the two of them drank the same brand beside the production line.
What’s your take on this story?
