Chapter 327: Operational Means

"You still don't know? Bright Entertainment is the most law-abiding, law-abiding and very law-abiding, their company's legal department, who can offend?"

Liu Qianqian also used this set to deal with Liu Zhiyuan, Liu Zhiyuan silently drank another glass of wine, Liu Qianqian just forget it, why should Qiu Ning.

Let's think she's underage.

Liu Zhiyuan was also really afraid: "Forget it, let's just talk about it ourselves, and we can't afford to offend any of them." ”

Looking at the female actors in the crew, there is only Tian Jing left, Tian Jing is Liu Zhiyuan's old partner, not to mention whether he can be offended, Liu Zhiyuan also has no plans for Tian Jing.

After scolding the young actresses, Liu Zhiyuan thought of Zhu Yankang again: "Do you know the boss of Yansheng Group?"

A few people said they knew, they all had some money in their hands, and some people had dealings with Yansheng Bank.

Liu Zhiyuan took advantage of the wine, and there was no one on his lips, and he told everything about Zhu Yankang.

The old buddies were also in a daze, and after listening, some of the wine woke up in fright: "Lao Liu, this is not good!"

"This is using you to borrow a knife to kill people, how are you confused!"

"That's right, if Zhu Yankang has anything to say, won't he go to tell Liu Qianqian himself, what will he tell you!"

"It's good that you weren't fooled. The elder brother also closed his eyes to wash Liu Zhiyuan, obviously Liu Zhiyuan had been fooled, but Liu Qianqian was not fooled, so he insisted that Liu Zhiyuan was wise, "I don't think this Zhu Yankang is a good thing." ”

"What I said is, let's stay away from him, there are no bones left to turn around and be pitted. ”

Liu Zhiyuan listened to all the words in his heart, and he was a little suspicious of Zhu Yankang in his heart, but now he is so scared that he can drink.

For a moment, I even felt that it was good that Liu Qianqian didn't take care of herself, otherwise Liu Qianqian really believed it, something went wrong, Zhu Yankang threw the pot on himself, he himself was clean, and Liu Zhiyuan would be finished!

He just took out a loan, opened a store, and wants to make some money.

After this night of deep talk, the little grievance in Liu Zhiyuan's heart was completely gone, and he completely became afraid.

After being afraid, it was dissatisfaction with Zhu Yankang.

But to be honest, he can't beat Yan Sheng Group, so he can only suppress this grievance in his heart first.

......

Zhu Yankang failed to use Liu Zhiyuan, and anonymously sent a letter to Liu Qianqian also failed, Du Heng was sloppy with him again, Zhu Yankang originally meant to let Du Heng leak the news to Du Xiao, but in this matter, it is obvious that Du Heng does not want to help him, Zhu Yankang has no choice, the worst is to make it completely public, this is really the worst, he originally set up a set, as long as Liu Qianqian is willing to take the bait, he will be set step by step. 88

However, Liu Qianqian refused to take the bait.

If it is made public, although his trick is still useful, it is easy to involve himself.

In this way, it is easy to lose more than you gain.

Zhu Yankang was still hesitating, but Du Xiao was unwilling to hesitate.

Yansheng Group itself has a lot of problems, as a rapidly expanding group, it does not have as strong capital as Tianhua Group.

Although there is the Du family behind Tianhua Group by default, in fact, it is because Du Xiao's ability to absorb gold is strong enough, and it is enough to ensure the cash flow of Tianhua Group.

Yan Sheng Group is not in this situation, Zhu Yankang's own family situation is not very good, a normal family, there is no problem for him to study, work, marry a wife and buy a house, but it is a little difficult to give money to start a business, it belongs to the savings of one or two million, and there is no more. Zhu Yankang has been taking the form of partnership and financing since the beginning of his business, and even used some improper means, of course, after success, these improper means quietly disappeared behind the success.

It's just that the foundation of Yansheng Group is not so stable, the most important thing in the financial industry is the capital chain, once the capital chain is broken, the collapse of a group is only an instantaneous thing.

Zhu Yankang also understands this, but he can't control it, Yansheng Group's main source of income is loans, including low-interest commercial loans provided by banks, and high-interest small loans provided by financial companies.

Use low-interest loans to absorb customers, and then sell wealth management products to absorb funds and depositors, and then transfer the money to small loans for high-interest loans, and in this turnover, money is born.

This is what Du Xiao said, Zhu Yankang has been on the verge of breaking the law.

The reason why it is said to be a fringe is that these behaviors are taken out individually, and none of them is illegal, but when they are connected, they exude a dangerous atmosphere.

And there is no doubt that such an operation makes the capital chain of Yansheng Group very fragile, and Du Xiao has no doubt that the capital chain of Yansheng Group should not be enough to deal with the problem of more than 20 million.

No, 20 million may have been overestimated by him, 10 million or 5 million, or even 1 million.

The easiest to attack is the micro-loans, where most of the money is lent to those who need it.

The wealth management products promised by Yansheng Group are actually loan wealth management products, but they are packaged with cumbersome documents to trick customers into not looking carefully, and many customers do not understand these when investing.

In fact, it is not a lie, Zhu Yankang does not have the courage to engage in fraud, but this model, when the small loan side is operating normally, everything is normal, once the operation over there is not working, the wealth management products will expire and begin to be cashed again, and the fragile capital chain of Yansheng Group will be finished immediately.

What's more, the microfinance company is actually very close to the red line, and Du Xiao doesn't believe that Zhu Yankang will step on the safety zone only one centimeter away from the red line so steadily.

There are regulations on high loans in China, and according to the provisions of the law, Zhu Yankang can make only a limited amount of money, and not only him, many microfinance companies will play some tricks in the contract, or play some tricks with the lender, for example, although the contract is signed with how much interest is how much it is, which is in line with the regulations of the country, but it is necessary to sign an additional contract, most of which are sales contracts, and how much money is used to buy a certain equipment or a certain property of the company.

Of course, this transaction will not be concluded, or the microfinance company will not provide goods to customers, just collect money, some cautious will provide the wrong version of the goods, such as ordering large machinery, to give customers less than a few hundred yuan worth of eliminated old machinery, this is actually legally difficult to make a decision, one is willing to sell and one is willing to buy, the terms and models are clearly written, purely voluntary.