The second floor of Yuehua Entrepreneurship Building.

The office of Tianqin Breeding Club was scattered with documents, furniture, and office computers. Only Guan Erye, who was enshrined in the shrine at the door, landed there alone, guarding the empty office.

Just two months ago, Tianqin Breeding Club was a rural celebrity enterprise supported by the District Agriculture Bureau. When the company opened, the leaders in the district came to cut the ribbon in person, and the TV station also reported on this matter. In just two months, the Breeding Club fell into a debt crisis and fell apart in an instant.

Two cleaners were cleaning the second floor. When they saw them, they asked, "You are here to ask for debts too?"

Zhang Feifan nodded, "Yes, sister."

"A small loan company? or a bank?"

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

A cleaning staff said, "Including you, it's already the fifth wave. Mr. Luo ran away yesterday afternoon, and someone came to move their computers and mahogany furniture away. The corridor was full of garbage. We have been working hard for most of the day."

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

The man recalled, "Yesterday morning, several people came to President Luo's office and kept talking about paying back the money. One of them was carrying a gun on his body. Seeing that the situation was not good, we didn't dare to come over. During lunch, President Luo said he wanted to use the bathroom. Two people protected him. Later, when someone called him, Mr. Luo ran away, they went to chase people. There were two people who smashed the things inside. Later, after making a few phone calls, they sent someone to move the things away."

"Sister, who else has someone to pay the debt?"

"There are also those farmers and feed factories. It is said that Mr. Luo collected their feather chickens and suppressed them a batch of payments without paying them. When he heard that he ran away, he came over to ask for an explanation. Alas, Mr. Luo is such a good person, who was forced to this by usury. It's a pity."

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

Zhang Feifan went up to chat with him, "Uncle, are you here to ask for debts too?"

The man shook his head, "No, I heard that something happened to him, so I came over to take a look. I was driving. He was fine the day before yesterday and called me over and paid the 30,000 yuan of feed I had brought him to this year and now. Why did he run away in the blink of an eye?"

"Does he still have family?"

"Mr. Luo, he and his wife divorced two years ago, and the child followed his ex-wife. However, he seems to have always wanted to remarry. He has been very close to his brother-in-law Li Songyuan recently. Li Songyuan is also engaged in breeding, so he has a very bad character."

Wang Chong asked Zhang Feifan, "Did this Li Songyuan apply for a loan from our bank before?"

Zhang Feifan said, "It seems to be on Director Qingquan's side, but he was rejected by the head office."

Wang Chong seemed to have thought of something. In addition to Luo Dacheng, there was Li Songyuan from Shenniao Breeding Club. Li Songyuan had long been in a debt crisis and had already been on the blacklist. According to common sense, this loan is very likely to be Li Songyuan who used Luo Dacheng to resurrect the corpse and defrauded the bank loan, and then escaped from the small loan company and the bank, dragging the bank and the small loan company into the water.

Li Songyuan is so terrifying to be abacus.

Zhang Feifan asked, "What should I 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 lender."

Just as the two were about to go out, Wang Chong suddenly found an online bank transfer statement on the ground. The statement was from Donghua Rural Commercial Bank. The time was the night after the loan was issued, and it was transferred to a man named Pang Yutian, with the amount of 50,000 yuan.

Wang Chong stopped and began to look through the information scattered on the ground. Among them, there were many transfers from Donghua Rural Commercial Bank. After summarizing it, there were forty or fifty copies, which were from 4:30 pm to 10:00 pm that day.

After the account of the breeding agency entrusted to Luo Dacheng's Breeding Company at Donghua Bank, it was a weekend and the large-scale transaction was closed, and each transfer could only be transferred at most 50,000 yuan. In other words, after the loan was issued, Luo Dacheng used six hours to transfer these loans in batches. Among these transaction orders, eight of them were transferred to Donghua Yuandeng's famous tobacco and wine shop, totaling 400,000 yuan, and more than twenty were transferred to a personal account named Chai Guangtao, with a total amount of about one million yuan.

Some of them were large transfer records a few days before the loan was issued, with an amount of 3.8 million yuan. They were transferred from three or four accounts respectively, one of which was Deng Xiaoxian.

Wang Chong took out a mini notebook and wrote down the information shorthand, which was a working habit that he had developed over the years. Through these bill transfers, Wang Chong made a rough inference about the capital chain of the entire case.

It takes three or four hundred operations to transfer all nineteen million yuan. Luo Dacheng ran in a hurry and had no time to take away the things in the office. These transfer vouchers should have been left on the ground by the micro loan company when moving furniture.

As for the transfer of 3.8 million yuan, it should be the margin borrowed from the small loan company in Donghua Bank. In other words, Luo Dacheng used the bridge funds of these more than a dozen farmers and small loan companies to make money and defrauded 19 million yuan of loans. After the loan was obtained, the margin was not returned to the small loan company, so he directly chose to run away with Li Songyuan.

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

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

The notebook is very simple, and the common ones on the market cost five or six yuan each, which contain some meetings and to-do items by Luo Dacheng. The most recent day was October 23, which was the day when the loan was released. There were only a few short lines of to-do memos:

1 Donghua Bank loan;

2Transfer 40 to Pang;

3 Check out the truck luggage;

4kn217;

51234@abcd

The first three are easier to understand, but Wang Chong didn’t understand the last two items, so they should be passwords or something.

Luo Dacheng's escape this time should have been a premeditated action. The micro-loan company pays more attention to property stop loss, but ignores these documentary things. If he can get Luo Dacheng's computer, he should be able to find more useful information, such as his search records and the pages he has browsed, so as to get more information. Wang Chong even considered whether to negotiate with Shi Kui and Shi Hu, and to go to Luo Dacheng's computer.

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

Zhang Feifan said, "I was about to rest at 11:30 last night, and I was about to rest when I suddenly received a strange text message saying that the loan resident Luo Dacheng ran away. So I reported to President Gu as soon as possible."

"Anonymous text message?"

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

Wang Chong thought to himself that he had another anonymous text message, and his tone was similar to the one that Deng Xiaoxian sent to him before. Wang Chong dialed the number on his mobile phone, and the other party hung up directly. When he called again, he prompted that the other party had turned off.

He glanced at the number and showed that the source was Linhu City, which was close to Donghua City. Wang Chong did not say much, and saved the number and asked a friend to check it out when he had time. Since the other party was so cautious and nothing unexpected happened, it should be a white number.

The Tianqin Breeding Club did not get much useful information, so Wang Chong decided to visit the home of the borrower. In a legal sense, the guarantor ran away, but the borrower was these breeders, and they were obliged to repay the loan.

Zhao Xinchun Breeding Farm.

Zhang Feifan explained his purpose to Zhao Xinchun. Zhao Xinchun was very excited, "It's true that I borrowed money, but I didn't see a penny. Luo Dacheng suppressed my chicken money and said that the funds were tight recently, so he asked me to lend him a loan and settle it for me when the money came down. Who knew that the kid actually ran away. It's more than one million, and I've been in vain for a year and a half!"

"Do you know where Luo Dacheng ran?"

Zhao Xinchun cursed, "If I had known, I would have cut him to death with a knife!"

Zhang Feifan did not answer the call and took out a document from his briefcase. "Mr. Zhao, the purpose of our visit today is to understand Luo Dacheng's escape. Secondly, since you are the borrower of this loan, and because Luo Dacheng's escape caused the capital chain to break, we believe that your loan has a major operating risk. According to Article 31 of the loan contract, we have the right to announce to you that the loan will expire immediately. Please sign this document and then discuss repayment."

Zhao Xinchun said, "I haven't seen the money yet, why do you want me to repay the money?"

"But the loan contract is signed by you."

"The words I signed are true, but Luo Dacheng took the money away. If you want the money, go to Luo Dacheng and ask for it. He still owes me more than one million. 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 bank and micro loan companies, but even the breeders he cooperated with were cheated.

Before coming today, Wang Chong had confirmed that Tianqin Breeding Club did not have the claimed financial subsidies and returned to this business model. Tianqin Breeding Club purchased feather chickens from farmers at a higher price than the market. It took advantage of the profit-seeking motivation of Zhao Xinchun and others to occupy the entire region's market in a very short period of opening, and delayed payment by seizing a batch of payments. This model can be regarded as a disguised illegal fundraising. The principal has become payments for goods, and high interest has become high purchase price.

This kind of loan default situation is the first time Wang Chong has met since he started working. He told Zhao Xinchun, "Boss Zhao, we can understand you in this matter, but the borrower of this contract is you. We are here today to fulfill our obligation to inform and understand your repayment intention. If you are willing to cooperate, you can pay the interest first without affecting your business, and we can give you a period of turnover."

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

After leaving Zhao Xinchun’s breeding farm, Wang Chong told Zhang Feifan, “Put today’s investigation into the post-loan investigation data.”

During the whole day, the two drove to visit other borrowers, but the result was shocking. Except for three companies like Zhao Xinchun who actually operated farms, the other dozen were not real farmers, and most of them were either farming at home or working outside, and some middle-aged and elderly people in their fifties.

They said that the reason they agreed to give Luo Dacheng a loan was because Luo Dacheng wanted to apply for a subsidy with their farmers and promised them a benefit fee of 20,000 yuan per person. They agreed to sign it purely for help.

Some people are just elementary school education, and they even think that they are signing a contract to apply for subsidies in the bank. They are not aware of the loan and will never repay the loan.

When Zhang Feifan told them that if they did not repay the loan, the bank would sue them and let the court execute the house, an old man lost control and shouted, "Even Huang Shiren in the old society did not occupy other people's houses. If you really do this, we will go to the government to sue you!"

Zhang Feifan was frightened by this kind of investigation results. Wang Chong tried his best to control his anger. "I have always emphasized that the pre-loan investigation must go to the scene in person, but you took it as an ear to the ear! You are kidding about your career!"

Zhang Feifan asked, "Director Wang, what should I do?"

"Found Luo Dacheng and Li Songyuan and minimize the losses. You can visit Luo Dacheng and Li Songyuan's home and neighbors to see their daily behavior, preferences, habits, etc., and see if they can collect some useful information. I'll go to the Municipal Public Security Bureau to determine whether to file a case."

After Zhang Feifan took a taxi, Wang Chong received a call from Li Qiaowei. Luo Dacheng's 3.8 million yuan deposit had been deducted, but soon, Zhao Dagang also called, "Boss, the situation is a bit bad."

"What's wrong?"

"Luo Dacheng's villa in Xindihu has other properties, which were seized last Friday."

Wang Chong said angrily, "I just completed the mortgage registration last Thursday and was seized on Friday?"

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

"who?"

"It's his brother-in-law, Li Songyuan!"
Chapter completed!