money is not guilty

Chapter 23 Memorandum

The second floor of Yuehua Pioneering Building.

The office of Tianqin Breeding Co., Ltd. was scattered with documents all over the place. The furniture and office computers were all looted. Only Guan Erye, who was enshrined in the shrine at the door, stood there alone, guarding the empty office.

Just two months ago, Tianqin Breeding Co., Ltd. was a rural star enterprise mainly supported by the District Agriculture Bureau. When it first opened, the leaders of the district came to cut the ribbon in person, and the TV station also reported this incident.In just two months, the breeding cooperative fell into a debt crisis and fell apart in an instant.

Two cleaners were cleaning on the second floor. Seeing them, they asked, "Are you also here to ask for debts?"

Zhang Feifei nodded, "Yes, big sister."

"A small loan company? Or a bank?"

"We are employees of Donghua Bank, eldest sister, has anyone else been here?"

A cleaner said: "Counting you, it is already the fifth wave. Mr. Luo ran away yesterday afternoon, and someone came to remove their computers and mahogany furniture. The corridors were full of rubbish. It's not our fault. Both of them have been busy for most of the day."

Wang Chong asked, "When did Luo Dacheng run away yesterday?"

The man recalled, "Yesterday morning, a few people came to Mr. Luo's office and kept talking about repaying the money. One of them was still carrying a gun. We saw that the situation was not good, so we didn't dare to come. At that time, Mr. Luo said he wanted to use the bathroom, and two people guarded him to go. Later, they heard someone calling Mr. Luo to run away, so they chased him, and the other two smashed the things in it. Later, they beat him A few phone calls, and they sent someone to move things away."

"Sister, who else wants to pay off the debt?"

"There are also those farmers and feed mills. It is said that Mr. Luo took their chickens and pressured them to pay for a batch of goods. When they heard that he had run away, they all came to ask for an explanation. Hey, Luo It's a pity that such a good person should be forced into this position by usury."

At this time, a middle-aged man in shabby autumn clothes walked in, "Mr. Luo really ran away?"

Zhang Feifei went up to strike up a conversation, "Uncle, are you also here to ask for a debt?"

The man shook his head, "No, I heard that something happened to him, so I came here to take a look. I was driving, and he was fine the day before yesterday, so he called me over and took the 3 yuan I gave him feed this year. The money was settled, why did he run away in the blink of an eye?"

"Does he have any family?"

"Boss Luo, he and his wife divorced two years ago, and the child followed his ex-wife, but he seems to want to remarry all the time, and recently got very close to that uncle Li Songyuan. That Li Songyuan is also engaged in breeding, and his character is very bad. "

Wang Chong asked Zhang Feifan, "This Li Songyuan, has he applied for a loan from our bank before?"

Zhang Feifei said, "It seems to be with Director Qingquan, but it was rejected by the head office."

Wang Chong seemed to have thought of something. In addition to Luo Dacheng, Li Songyuan from the Divine Bird Breeding Co., Ltd. was on the run this time. Li Songyuan had already fallen into a debt crisis and had entered the blacklist. According to common sense, this loan is very likely to be a loan. Li Songyuan used Luo Dacheng to come back to life, defrauded the bank loan, and then used a golden cicada to get out of the shell with the small loan company and the bank, dragging the bank and the small loan company into the water.

Li Songyuan's abacus is really good.

Zhang Feifan asked, "What should we do next?"

"Although the money was taken away by the guarantor, according to regulations, we still have to go to the borrower to find out the situation. They are the real applicants."

The two were just about to go out when Wang Chong suddenly found an online bank transfer statement on the ground. The statement was from Donghua Rural Commercial Bank. It was transferred to a person named Pang Yutian on the night after the loan was granted. The amount was 5. Yuan.

Wang Chong stopped in his tracks and began to look through the documents scattered on the ground. Among them were a lot of transfer records of Donghua Rural Commercial Bank. After summarizing, there were as many as forty or fifty records, and the time was from 04:30 pm to [-] pm that day.

After the 900 million yuan was entrusted to Luo Dacheng's breeding company's account in Donghua Bank, because it was the weekend, large-value transactions were closed, and each transfer could only transfer up to 5 yuan.That is to say, Luo Dacheng used six hours to transfer out these loans in batches after the loan was granted.Among these bills, eight were transferred to Donghua Yuandeng Tobacco and Wine Store, totaling 40 yuan, and more than 20 were transferred to a personal account named Chai Guangtao, with a total amount of more than 100 million yuan.

Some of them were large transfer records a few days before the loan was issued, the amount was 380 million yuan, which were transferred from three or four accounts, one of which was Deng Xiaoxian.

Wang Chong took out a mini notebook and jotted down the information in shorthand. This is a working habit developed over the years.Through these transfer slips, Wang Chong had a rough inference on the entire capital chain of the case.

900 million yuan, three to four hundred operations are required to transfer all of them. Luo Dacheng ran in a hurry and had no time to take away the things in the office. These transfer vouchers should be left on the ground when the small loan company moved furniture.

As for the transfer of 380 million, it should be the margin of Donghua Bank borrowed from the small loan company.That is to say, Luo Dacheng used the bridging funds of these dozens of farmers and small loan companies to defraud 900 million yuan of loans. Run away.

So the question is, where did Luo Dacheng and Li Songyuan go?

Zhang Feifan was rummaging through things in the corner, and suddenly held up a notebook and said, "Director Wang, here is Luo Dacheng's notebook."

The notebook is very simple, the kind that is common in the market for five or six yuan a book, and some meetings and to-do items of Luo Dacheng are written on it. The most recent day is October 10, which is the day when the loan was granted.Just a few short lines of the memo to do:

1、东华银行贷款；2、转账40给庞；3、给货车李结账；4、KN217；5、[email protected].

The first three are relatively easy to understand, but Wang Chong didn't understand the last two, it should be something like a password.

Luo Dacheng's escape this time should be a premeditated action in advance. The small loan company pays more attention to the stop loss of property, but ignores these documents. If you can get Luo Dacheng's computer, you should be able to find more Useful information, such as his search records and pages he has browsed, so as to get more information, Wang Chong even considered whether he should negotiate with Shi Kui and Shi Hu, and ask for Luo Dacheng's computer.

Wang Chong asked, "How did you know that Luo Dacheng ran away?"

Zhang Feifei said, "At 11:30 last night, I was about to take a break when I suddenly received a text message from an unfamiliar person, saying that the borrower Luo Dacheng had run away. So I reported to President Gu immediately."

"Anonymous text message?"

Zhang Feifan took out his phone, dialed out the text message, and handed it to Wang Chong.The text message only had six characters, "Luo Dacheng has run away."

Wang Chong thought to himself, it was another anonymous text message, and the tone was similar to the one Deng Xiaoxian sent to him before.Wang Chong dialed the number with his mobile phone, but the other party hung up immediately, and when he called again, it reminded the other party that the phone had been turned off.

He glanced at the number, and it showed that the source was Linhu City, which borders Donghua City.Wang Chong didn't say much, he saved the number and asked a friend to check it when he had time. Since the other party is so cautious, if there is no accident, it should be a white number.

Didn't get much useful information from Tianqin Breeding Co., so Wang Chong decided to visit the home of the farmers who borrowed money. From a legal point of view, the guarantor ran away, but the borrowers were these farmers, and they were obliged to repay. payment.

Zhao Xinchun Farm.

Zhang Feifei explained his purpose to Zhao Xinchun, and Zhao Xinchun was more emotional, "It's true that I borrowed the money, but I didn't see any money. I helped him borrow a sum of money, and when the money comes down, I will settle the settlement, but who knows that kid actually ran away, with more than 100 million yuan, I have done it for nothing for a year and a half!"

"Do you know where Luo Dacheng went?"

Zhao Xinchun cursed, "If I knew, I would have hacked him to death with a knife!"

Zhang Feifei did not answer, and took out a document from his briefcase, "Mr. Zhao, the purpose of our visit today is to understand the situation of Luo Dacheng's escape, and secondly, because you are the borrower of this loan." , because Luo Dacheng ran away and the capital chain was broken, we believe that your loan has major business risks. According to the loan contract No. 30, we have the right to announce to you that the loan will expire immediately. Please sign this document, and then Discuss the matter of repayment."

Zhao Xinchun said, "I haven't seen the money, why should I pay back the money?"

"But the loan contract is signed by you."

"My signature is true, but Luo Dacheng took the money. If you want money, you can go to Luo Dacheng. He still owes me more than 100 million yuan. If you ask me for money, who should I ask for money?"

Wang Chong could clearly feel Zhao Xinchun's anger and helplessness. Luo Dacheng's escape this time not only dragged down the banks and small loan companies, but even the farmers he worked with were tricked into it.

Before coming today, Wang Chong had confirmed that the Tianqin Breeding Co. did not have the financial subsidy it claimed. To revert to this business model, the Tianqin Breeding Co. purchased chickens from farmers at a price higher than the market price. Zhao Xinchun and others’ profit-seeking motives occupied the market in the entire region within a very short period of time after opening, and delayed payment by seizing a batch of payment. This model can be regarded as a disguised form of illegal fund-raising. .The principal has become a payment for goods, and the high interest rate has become a high purchase price.

This is the first time Wang Chong has encountered such a loan breach since he started his career. He said to Zhao Xinchun, "Boss Zhao, we can understand this matter, but you are the borrower of this contract. We are here today to fulfill our duty of disclosure." , and at the same time to understand your repayment willingness, if you are willing to cooperate, on the premise of not affecting your business, you can pay the interest first, and we can give you a period of time to turn around."

Zhao Xinchun said, "I don't have any money. If I had money, I would definitely pay it back."

Coming out of Zhao Xinchun's farm, Wang Chong said to Zhang Feifei, "Put today's investigation into the post-loan investigation data."

For a whole day, the two drove to visit other borrowers, but the result was shocking. Except for three companies like Zhao Xinchun who actually operated breeding farms, the other dozen or so households were not real farmers. Some of them are either farming at home or working outside, and there are some middle-aged and elderly people in their 50s.

They said that the reason why they agreed to give Luo Dacheng a loan was because Luo Dacheng wanted to apply for a subsidy with their farmer status, and promised them a benefit fee of 2 yuan per person. They agreed to sign purely for help.

Some people are just elementary school educated, and they even think that what they go to the bank to sign is a contract to apply for subsidies.They don't know about the loan and will never repay it.

When Zhang Feifei told them that if they don’t repay the loan, the bank will sue them and let the court enforce the house, an old man lost control of his emotions and said loudly, “Even Huang Shiren in the old society didn’t occupy other people’s houses, if you really do that , we will sue you to the government!"

Zhang Feifei was stunned by the results of this kind of investigation. Wang Chong tried his best to control his anger, "I have always emphasized that two people must go to the scene in person for the pre-loan investigation, but you have ignored it! You are taking your career for a long time. Just kidding!"

Zhang Feifei asked nonchalantly, "Director Wang, what should I do?"

"Find Luo Dacheng and Li Songyuan, and minimize the loss. Go visit the homes and neighbors of Luo Dacheng and Li Songyuan, and see their usual behavior, preferences, habits, etc., and see if you can collect some useful information. I will go to Let’s go to the Municipal Public Security Bureau to decide whether to file a case.”

After Zhang Feifei took a taxi and left, Wang Chong received calls from Li Qiaowei one after another. Luo Dacheng's 380 million yuan security deposit had been withheld, but soon, Zhao Dagang also called, "Boss, the situation is not good."

"what happened?"

"Luo Dacheng's villa in Xindi Lake and other properties were seized last Friday."

Wang Chong said angrily, "The mortgage registration was completed last Thursday, and it was seized on Friday?"

Zhao Dagang said again, "I asked someone to inquire, so guess who sealed up his house?"

"Who?"

"It's his uncle, Li Songyuan!"