When Hai Feng learned from Liu Zhiyang and Wen Yuxin through video conferencing that the system provider company and the financial intermediary company were both short companies, and there was neither an office location nor relevant personnel in the local area, Hai Feng knew that Tang Hua was the final breakthrough point, but fortunately, Zhao Zhijie's trace inspection before coming clearly showed that the so-called lending company was in Tang Hua, otherwise this case would have to start from scratch, which would be tantamount to looking for a needle in a haystack.

Hai Feng and Zhang Mufeng successfully found the loan company, and the plaque of Jixiang's loan clearly told Hai Feng that he had found the right place this time. After the two of them determined the location of Jixiang's loan, they didn't do anything else, but found a hotel nearby to stay and waited for the arrival of the other team members.

On the morning of the third day, all the members of the White Tiger Group arrived at Tang Hua, and in the hotel room, Hai Feng began the planned deployment of this operation.

"We have found out that the so-called system provider company and financial intermediary company are short companies, but this lending company is real, and what we have to do now is to start with Jixiang Lending, find out the relationship between these three companies, and figure out what tricks this Jixiang Loan is playing. ”

Hai Feng said: "Liu Zhiyang and I went to contact Tang Hua's colleagues here, let's enter the company in the name of network emergency drills, Li Weiwei and Zhao Zhijie, you have to sing the leading role this time, get the company's electronic contract, and they must be able to see the cat in the contract, and the other is to give them the so-called big boss Cao Jixiang to get on the Trojan horse, so that we can understand their movements." ”

"I, Liu Zhiyang, Zhang Mufeng, Li Mengyang, and Wen Yuxin will talk to their employees one by one in the form of network security interviews to see if we can find useful information from these people, and then make the next step after we complete the intelligence collection. ”

After listening to Hai Feng, several people began to prepare. Hai Feng and Liu Zhiyang went directly to the Tanghua Municipal Bureau to discuss the next day's network emergency drill with their colleagues there, Li Weiwei and Zhao Zhijie began to debug the equipment, and Zhang Mufeng, Li Mengyang, and Wen Yuxin deduced the interview draft of the network security interview, adding the key questions they wanted to ask to ensure that the interview draft was not seen.

After Li Weiwei and Zhao Zhijie finished debugging the equipment, they saw that it was still early, so they went to find Wen Yuxin and them, and found that they were still conducting drills, so Li Weiwei and Zhao Zhijie didn't bother them anymore.

At this time, Li Weiwei said to Zhao Zhijie: "Do you want to go out for a walk?" I can accompany you to see Tanghua University, which is nearby, that is my alma mater, and I am the best guide!"

Tanghua University has long been famous, Zhao Zhijie also wants to see the real face, Wen Yuxin They are still practicing and it is inconvenient to disturb, and the preparations on his side have also been completed, and he can see that Li Weiwei wants to see his alma mater again, so he nodded and readily agreed.

The two of them came to Tanghua University, looking at the tall school gate Li Weiwei looked a little excited, she said to Zhao Zhijie: "Look, how is it? Tanghua University is magnificent enough, right?"

Zhao Zhijie nodded and said, "Beijing South China Tanghua, Tanghua University really deserves its reputation!

Li Weiwei pouted and said: "Of course, how can my alma mater be bad? This is a typical French style, many buildings here belong to cultural relics, it should be said that it is the largest existing Baroque style building complex in China, this is not a beautiful scenery that can be easily seen in other places." ”

Looking at those noble and elegant, aristocratic buildings, a luxurious and romantic feeling filled Zhao Zhijie's body, this is really beautiful, coupled with the green trees here, the grass is still around, and the sound of books is loud, so that Zhao Zhijie can't help but reminisce about his youth.

Walking on the green grass on campus, Li Weiwei asked Zhao Zhijie: "Do you think what Team Leader Hai said before is a bit alarmist? Is usury really that terrible? Will anyone borrow usury? Aren't bank loans more reliable?"

Zhao Zhijie replied: "Banks are not charity, for large companies of course banks are very easy to speak, but for small companies or individuals, it is really difficult to get a loan from the bank, and many companies will have short-term capital problems, if you wait for a bank loan, the money may not arrive may be to file for bankruptcy, so many people will consider private lending, which leaves room for usury." At present, the lack of supervision of online lending has caused a large-scale proliferation of usury, and in a certain sense, it has contributed to the prosperity of usury. ”

Li Weiwei asked puzzledly: "Is there such a big market for loan sharks?"

Zhao Zhijie replied: "Many people don't realize that they are borrowing from loan sharks at the beginning of borrowing, and it is too late to find out. The loan contract has been signed, and it is impossible to turn back. ”

Li Weiwei asked again: "Then why don't you borrow money?"

Zhao Zhijie replied: "Do not suffer from widowhood and inequality, do not suffer from poverty and suffer from anxiety, for you to live a rich life, food and clothing do not worry, naturally there is no need to borrow money, but for those who lack clothes and wear, life is embarrassed, they also have living needs, there will always be a time when they need to borrow money, plus now education, housing prices are rising, ordinary people work hard day and night The salary may not be enough for a family's daily expenses, in order to make the family live better, occasionally improve their lives, it is indeed necessary to encounter a scene that needs funds." ”

Li Weiwei said again: "That's not as terrible as Team Leader Hai said, is it? It's just a normal loan, do what you can, just borrow less? How can you become a slave?"

Zhao Zhijie looked at Li Weiwei, he knew that Li Weiwei, who was clothed in fine clothes and food, had never experienced the hardships of life, and naturally would not understand the feelings of the general public, so he said to Li Weiwei with a straight face: "What Team Leader Hai said is not terrible, what he said is just the most common scenario, let me tell you a case that I have been in contact with, you will know how terrible online usury is!"

Li Weiwei nodded: "Say it!"

Zhao Zhijie said: "One of the previous cases was a female student who applied for an installment loan from the Internet because she wanted to buy a mobile phone, and the loan was a credit loan, as long as you have an ID card, you can take a loan, but you need to take a naked photo, that is, a naked loan." ”

"The student originally repaid the loan on time, but there was a period in the middle because of the software update that couldn't be repaid, so it became overdue, and then there was a high penalty interest, and if she didn't repay the money, she threatened to explode her address book and put her nude photos on the Internet, so that everyone knew about her naked loan. ”

The little girl immediately panicked, and could only continue to repay the loan according to what was said, but the result was that she borrowed 2,000 and repaid 20,000 yuan before she finished paying it back, and finally she couldn't stand it anymore and reported the case, but before we went to investigate, we found that our nude photos had spread on the Internet, and their classmates had already seen her nude photos. The little girl couldn't stand being pointed at and chose to commit suicide. ”

Zhao Zhijie paused and continued: "Later, when the case was solved, I learned about their routine, when you borrow money, the loan contract or something is in line with the law, the borrowed money is small, and the interest will not be too much, and the borrower will not be vigilant, but his loans are agreed not to be repaid in advance, and will definitely let you have an overdue time before you complete the repayment, so that he can charge a high penalty interest, if you don't give it, you will be bombarded with phone calls, so that your friends know that you borrowed money and did not pay it back." ”

"As for the nude photos that the borrower takes, they will be sold if you don't pay them back, so as soon as you take out the loan, you're falling into the trap. The suspect also confessed that he had asked those girls who had applied for naked loans to sleep with him before, and he even provided some girls to sex gangs for prostitution. Do you still think Captain Hai is alarmist?"

Li Weiwei said: "It's good not to borrow this kind of thing?

Zhao Zhijie asked rhetorically: "What if the whole industry has problems? If you don't borrow naked loans, there will still be other usury, and if you take people's lives in the same way, what's the difference?"

Li Weiwei asked, "Then can't you not borrow money?"

Zhao Zhijie smiled helplessly and said to Li Weiwei: "I just told you, don't suffer from widowhood but inequality, don't suffer from poverty but suffer from anxiety, many borrowers just hope to improve their lives a little, and most people don't realize that they are borrowing usury before borrowing." By the time it was discovered, it was too late. ”

Li Weiwei was a little angry, she didn't understand why such a bad thing happened, and no one really cared about it? Is the society really so bad? Is there really someone who can do things without scruples for money, and has no conscience at all?

Li Weiwei asked Zhao Zhijie: "Is there no one to take care of it?" Even the students are all hacked, is there no one who can take care of these things?"

Zhao Zhijie asked rhetorically: "Who will take care of it? Not to mention the difficulty in discovering online lending, even if there is any reason to manage it? Private lending is legal, and violent collection is indeed illegal, but ordinary online lending will always entrust the collection business, and he himself can evade legal responsibility very well." And once it involves handling cases in other places, many people are unwilling to handle it, which means that no one is willing to take care of it. ”

Li Weiwei was a little frustrated and asked Zhao Zhijie: "Then let them go unpunished and endanger sentient beings?"

Zhao Zhijie smiled slightly, looked at Li Weiwei and said: "There are always more good people than bad people, there will always be someone willing to take care of it, otherwise we wouldn't be in Tanghua!"

Li Weiwei nodded, at this time, she suddenly admired Hai Feng, proud of the White Tiger Group's willingness to go to Tanghua, and secretly made up her mind that these bad people must be punished according to the law and prevent them from doing evil again.

Back at the hotel, Li Weiwei felt refreshed, Tang Hua was still so beautiful, she somewhat regretted leaving the city, and after returning to Mingcheng, Li Weiwei didn't feel the dry air, boring work and cold construction at all.

Of course, now Li Weiwei is a little glad that she has returned to Mingcheng, because if it weren't for this, she wouldn't have met such an interesting team as the White Tiger Group, and she couldn't experience this kind of heroic behavior of fighting side by side against evil. Therefore, it makes sense to say that Seon lost his horse and knew that it was not a blessing sometimes.

At this time, Wen Yuxin and the others had completed the next day's drill, and Hai Feng and Liu Zhiyang also returned to the hotel from the Tanghua City Bureau. Several people did another rehearsal of the next day's process to make sure that nothing went wrong before they went back to the house.

Early the next morning, several people came to the Tanghua Municipal Bureau, and with the cooperation of the Tanghua Municipal Bureau, everyone went to Jixiang to borrow.

When everyone arrived, Cao Jixiang, the boss of Jixiang's loan, was holding a meeting with his employees, and he was a little surprised to see the sudden inspection, but he immediately regained his calm, assigned an employee to go out to buy fruit, and invited Haifeng and others into the office.

After learning of Hai Feng and the others' intentions, Cao Jixiang smiled and expressed his full cooperation, and asked the employees to distribute the fruits they bought to the police officers. Cao Jixiang is no stranger to things like police inspections, and the police here in Tang Hua often come to check when they have nothing to do, either to install any system or fill in any documents, or to check potential safety hazards.

Although those policemen always say that they will carry out their tasks in a unified manner, in Cao Jixiang's opinion, they are just looking for a reason to come and rub some oil, and the so-called inspections are just pretense in his opinion, and Cao Jixiang is also accustomed to it.

Hades is better, the little ghost is difficult, Cao Jixiang is reluctant to deal with these low-level police officers, but he doesn't want to offend them, he generally gives his subordinates some money, let his subordinates deal with it, and it's okay to send him away.

Haifeng and the others tested the equipment borrowed by Jixiang according to the plan and questioned the personnel. Cao Jixiang looked at their busy appearance and felt quite like it, he couldn't help but want to laugh in his heart, he thought to himself: "These people are really racking their brains in order to make some extra money, obviously they can't understand what they do, and they have to check around with care, looking at the number of people who appeared today, it seems that they want to make more extra money, but they don't lack this money, so they quickly send these plague gods away so that they can continue to make money." ”

Cao Jixiang just sat in the office, accompanied by Hai Feng and Li Rank of the Tanghua Municipal Bureau, watching the people outside the door work. When it was all over outside, Cao Jixiang knew that the play should end, and the true intention of the trip should be fulfilled, so he took out two bulging envelopes from the drawer, handed them to Hai Feng and Li Wei, and said: "It's not easy for the brothers, it's very hard, please drink tea and buy a pack of cigarettes with this money, you two must accept it!"

Li Rank just wanted to refuse, but was stopped by Hai Feng, Hai Feng smiled and said to Cao Jixiang: "Thank you for your cooperation, in fact, to put it bluntly, we are just to deal with the above inspection, if we don't play all the tricks, it's not good to deal with it!

Cao Jixiang and Haifeng exchanged a few polite words, sent these policemen out of the door, and continued to hold meetings for employees.

As soon as he got into the police car, in front of Liu Zhiyang, Li Lian began to scold Hai Feng: "Hai Feng didn't expect to see you for a few years! Isn't your treatment in Mingcheng particularly bad? Go all the way to Tang Hua to make money? Go to this house today? Don't you go to a few more houses? Are you poor and crazy? You Haifeng don't want to be ashamed, our Tang Hua brothers still want to be embarrassed, so many people are coming out to get out with you? You are short of money, you tell me, can I give it to you? Don't let my old classmate be embarrassed, okay?"

Hai Feng couldn't help but laugh when he heard Li Zhi's words, and Liu Zhiyang next to him laughed even more, which made Li Zhi at a loss, so he said: "What are you two laughing at? Is what I said ridiculous? Liu Zhiyang, you too, Hai Feng is messing around, you are also messing around with him?"

Hai Feng looked at Li Wei with a smile and said: "If we didn't take his money just now, wouldn't he just run away?" Let him think that we are here to receive gifts, so we can take the next step, the money will be given to you, and it will be good if you hand it in after you go back, how can I ruin your reputation after so many years of old classmates!"

Li Wei pointed at Hai Feng with his finger and said, "Okay, you Hai Feng, your mind is full of crooked ideas, fortunately I'm not in Mingcheng, otherwise I would have to be angry with you." It's not enough to just give money, I want people too, you can't just in this case, take me with you, and everyone will do it together. ”

Hai Feng and Liu Zhiyang listened to Li Title's words, and they were naturally grateful to Li Title for his willingness to help the White Tiger Group handle the case. The three of them left Jixiang in the car with a smile.

Back at the hotel, several people began to sort out the information they had obtained. After finishing the arrangement, I found that this small lending company actually had a capital flow of hundreds of millions, involving as many as 20,000 borrowers.

The power of online lending was instantly revealed. Compared with traditional lending, online lending is far superior in terms of the number of people involved and the wide range of coverage, which has also become a big hidden danger, once there is a problem, it will involve many people, causing large-scale social unrest.

Hai Feng and the others found out from the intelligence they collected that the legal persons of the so-called system provider company and the financial intermediary company were actually Cao Jixiang's relatives, and although they did not appear in the company, their names were all on the salary list.

The loan contract was also sampled, and it was the same as what Haifeng had learned before, on the surface, it was an ordinary loan contract, but after adding the information system usage fee and the financial service intermediary fee, you will find that this is undoubtedly usury. And a large number of them are overdue, which means that a large amount of overdue liquidated damages have also been pocketed by Jixiang Loan.

Zhao Zhijie and Li Weiwei also discovered that their system software can actively stop business, that is, it can artificially cause the borrower to overdue, and the relevant operation logs and scripts have also been discovered by them. Not only that, but we also found two companies that have a lot of business dealings with Jixiang Company, one is Shiheng Finance Company and the other is Qian Group.

Among them, Jixiang Company made a large amount of remittance to Shiheng Finance, and Qian Group not only provided a large amount of funds for Jixiang Company, but also received a large amount of funds from Jixiang Company.

Haifeng and they then investigated Shi Heng Finance Company and Qian Group, and they found that both companies were in Tanghua, so Hai Feng decided to investigate Shi Heng Finance Company first.

Shi Heng Financial Company's investigation was quite smooth, and the next day with the cooperation of Li Title, the White Tiger Group completed the investigation, which was actually a company specializing in collection, and as soon as they entered the company, they found a large number of violent collection and various telephone bombardments, nude photo threats and other soft violence collection related evidence, and took advantage of the situation to control the entire company.

The only fly in the ointment is that the company's boss, Shi Heng, was not on the scene. Li immediately contacted the network security of the Tangping Branch where Shi Heng's financial company was located, and asked that side cooperate in arresting Shi Heng.

After a while, Li Zhi's phone rang, and it was the phone of the head of the network security team of the Tangping Branch. Li picked up the phone, and did not say the specific situation of Shi Heng's arrest, but just told Li that the director of the Tangping Branch wanted to invite him and his colleagues in Mingzhou to have dinner in the evening, and also said that Shi Heng's affairs could be assured, and the location had been locked, so that they could go to the banquet with peace of mind.

Li Wei looked at Hai Feng and knew that this meal could not be avoided, but since he was willing to help arrest Shi Heng, and Shi Heng Financial Company was also under full control, all the evidence of the crime was already in hand, and today's operation was considered a success, so it was not good to refuse the host's hospitality, so Li Wei helped Hai Feng accept the banquet that night.

Hai Feng felt a little inexplicable when he learned that the director of the Tangping branch was going to have a banquet for them in the evening, it is said that his level is not enough to make a branch director so enthusiastic, but after all, he is still in the jurisdiction of the Tangping branch, and the matter of arresting Shi Heng still needs help from there, so Hai Feng also agreed to take the White Tiger Group to the banquet. At the same time, Hai Feng called Zhao Zhijie and Li Weiwei, he whispered something in Li Weiwei's ear, Li Weiwei nodded, and then left the scene with Zhao Zhijie.

In a day's time, with the help of Li Rank, the White Tiger Group completed the seizure of Shi Heng Financial Company's items, and completed the interrogation of the company's personnel in the Tangping Branch, the busy time passed quickly, and when Hai Feng raised his head to look at the time, he found that it was almost time to go to the banquet, Hai Feng came out of the interrogation area and found that Li Rank and Liu Zhiyang and others were already waiting for him, Li Weiwei and Zhao Zhijie were also among them, so everyone handed over the task of temporary detention to the colleagues of the Tangping Branch, and the group hurriedly got into the car and prepared to go to the banquet.

On the way to the banquet, Hai Feng said to Li Wei: "Tang Hua's police work here is really much better than that of Mingzhou, and the separation of case handling and detention alone can benefit many grassroots policemen, which really needs to be learned from you!"

Li Wei smiled and said to Haifeng: "This is thanks to our Director Qiao Yuqianqiao, he came out of the grassroots level, has rich experience in grassroots work, and is well aware of the hardships of the grassroots level. ”

"You also know that our grassroots police often have to work overtime until late to complete the case, or even stay up late, and then let them carry out the task of sending them to custody, everyone is indeed very tired, after the separation of the detainees, the police only need to inform the escort team in advance of the need to send the detainees, and after the case is completed, the escort team will come to send them to the custody in a unified manner, which can also allow the police to rest more. ”

Li Yu paused and continued: "Didn't you often say that you should treat the police preferentially in the past, and that you should treat the police strictly? This is not the case in Tang Hua, Director Qiao has fully considered the hardships of the grassroots brothers and has done a lot of good things for everyone. ”

Hai Feng and Liu Zhiyang couldn't help but cheer for this unknown Director Qiao, in Mingcheng, a sentence from preferential treatment to the police, a book on strict management of the police is really not a joke, but a fact. Those leaders often regard their subordinates as stepping stones for their own careers, and never consider the treatment of grassroots comrades, but only make a show when asked by their superiors.

However, the strict management of the police has been grasping, after all, if something goes wrong, he will bear the responsibility of leadership. This also makes the grassroots work more and more heavy, there are fewer and fewer police, and those who have connections have found connections and are transferred out of the grassroots level, and the rest are either outsiders like Zhao Zhijie who have no connections and work honestly and hard, or some old, weak, sick and disabled.

There are no more than five people who can really work in a police station with 20 people, and although there are many people who are named below, they rarely appear in the unit, and it is rare to see them not giving benefits or receiving meritorious awards. It can be said that there are very few directors in Mingcheng who can really consider the treatment of the grassroots like Director Qiao, and the two of them are even a little jealous of Tang Hua's colleagues.

Li Wei ignored the envious expressions of the two people, and continued to say proudly: "Director Qiao not only separates the work of handling cases and sending them to custody, but he also truly enriches the grassroots level, the police officers are sinking, the authority is sinking, and the data is integrated, and each grassroots brother has the same work authority as the city bureau organs. ”

"The previous data barriers have been completely broken, and the matter of making it difficult for the grassroots police to handle cases by virtue of data advantages no longer exists, and everyone can make the greatest use of police resources. The organs implement flat management, only retain the necessary elite personnel, and unify the business issuance, all the business orders to the grassroots level must be integrated first, so as to avoid the occurrence of multiple departments issuing the same business multiple times and aggravating the workload of the grassroots business. ”

"It can be said that under the management of Director Qiao, Tang Hua's police are willing to stay at the grassroots level, and there are a few excellent children I wanted to transfer to the agency before, but they were not very willing, I felt that there were too many leaders in the agency, and the work pressure was too great, so it was better to work below and feel smooth, or I forced them to come. ”

Speaking of this, the three of them couldn't help laughing, Hai Feng and Liu Zhiyang once again expressed their admiration for the director from the bottom of their hearts, they knew that it was really not easy to make the grassroots police willing to stay at the grassroots level and serve the grassroots.

In Mingcheng, the grassroots police officers have all broken through the threshold and want to be transferred to the organs, and even if they cannot go to the Mingcheng City Bureau, they have to find a way to return to the sub-bureau organs, so how can there be people who voluntarily stay at the grassroots level? It is difficult to recruit and retain people has become a major problem in Mingcheng's police work.

The only way that those leaders thought of was to force the retention of people through administrative orders, but the result was that all those who had a relationship were gone, and those who had no background were left behind, which not only made the grassroots complain, but also completely mismatched the ability of the post and the personnel.

Because of this status quo, Hai Feng and Liu Zhiyang have quarreled and even scolded the leaders, but the status quo has never changed, after all, compared with being promoted and making a fortune, work problems are not within the consideration of those leaders. This made the two of them even more envious of Tang Hua's colleague for having such a good director.