In the interrogation room, seeing that Li Qingyun's uncooperative attitude was very resolute, Sun Daoming was not in a hurry.

He smiled coldly and said, "Since Secretary Li is so ignorant, then I have nothing to ask." ”

"You stay here for a while and think about it. If you figure it out, feel free to come to me!"

After finishing speaking, Sun Daoming got up and prepared to leave.

How could Li Qingyun let him go so easily, and immediately stood up and said, "Comrade Sun Daoming, if I am not mistaken, when the people from your procuratorate went to look for me, they asked me to assist in the investigation, right?"

"Now you're taking me to this 'Zone 4' and taking away my phone for quarantine and censorship...... I just want to ask, do you have any formalities? If not, I advise you to let me go. Because of your current behavior, you have violated the relevant regulations!"

Hearing his words, Sun Daoming couldn't help laughing: "Hehe, I know that Secretary Li, you are a rising star in the discipline inspection system, you are very capable, and you are also very familiar with the relevant regulations on isolation review. ”

"But in this matter, you can relax. We won't let you go because of your words. ”

"As for the formalities, I have already made an oral report to Luo Jian of our procuratorate. If nothing else, the formal arrest procedures will be completed soon!"

Glancing at Li Qingyun, Sun Daoming smiled contemptuously and said, "So, you can just reflect on it here and explain the problem." You don't really have to worry about the rest!"

After saying this, Sun Daoming whispered a few words to the guards behind him, and then went out.

Afterwards, the guards took Li Qingyun to a simple room, and without saying a word to him, they closed the door and left.

The footsteps outside the door faded away, and the room was silent.

Experiencing such quietness, Li Qingyun's brows gradually frowned.

Indeed, what happened today was really a bit unexpected for him.

In Li Qingyun's view, even if the procuratorate really has some evidence, it must at least conduct an in-depth investigation first, then ask the main leaders of the municipal party committee for instructions, and finally make a decision.

But just now after listening to Sun Daoming's meaning, it is clear that this old boy made a temporary intention to bring himself here.

Could it be that this guy has eaten the "bear's heart and leopard gall" and completely disregarded the principle of organizational discipline?

Of course, Li Qingyun didn't think of another possibility.

It was this Sun Daoming and the procuratorate who really got some tangible evidence.

However, if you walk right and sit upright, there is no way that there will be a handle in their hands.

Even if they went to Teacher Xia's side, didn't they return in vain?

couldn't figure it out, and Li Qingyun could only give up thinking about this problem.

Anyway, now that my personal freedom has been restricted, and I have lost contact with the outside world, instead of being melancholy, it is better to think more about the problems in Shun'an City and Shahe County.

Speaking of which, what Xia Bingqing said to himself that day was really important.

Despite the rapid economic growth in China in recent years, the living standards of the people have also been continuously improved.

At present, the concept of early consumption has been accepted by many young people.

Overdrawing credit cards, paying in installments has become a trend.

However, due to the cumbersome procedures for large state-owned banks to handle loans, many people, including the owners of some small and medium-sized enterprises, have to turn their attention elsewhere.

In this case, microfinance companies came into being.

A large number of microfinance companies have sprung up in the land of China.

However, when the forest is big, there are all kinds of birds.

The emergence of a large number of microfinance companies caused a large number of problems in this industry to appear.

Regarding this issue, Li Qingyun recently mentioned it in a graduation thesis of his MBA.

In his view, there are three main problems faced by microfinance companies.

First of all, the first point is that the positioning is relatively vague.

Because a microfinance company is approved by the competent department of the provincial government, it can only operate after obtaining a financial business license from the industrial and commercial department.

So in essence, it does not belong to a financial institution.

However, since the loan business itself is a financial act, it is different from the nature of a general company, and it is also not applicable to the company law.

In the same way, the day-to-day business of microfinance companies is mainly to issue loans to small and medium-sized enterprises and inject funds, which should be financial institutions.

In fact, the CBRC also recognizes microfinance companies as financial institutions, but in other departments such as banks, industrial and commercial departments, and tax departments, microloans are industrial and commercial enterprises, so it is precisely because of this contradiction that a series of problems have been raised.

The second problem for microfinance companies is the difficulty of financing.

This is actually not difficult to understand.

The source of funds for microfinance companies is the capital paid by shareholders and donated funds, which is actually very limited in quantity, and it is difficult to meet the needs of customers.

In addition, since microfinance companies are only responsible for lending business and do not absorb deposits for deposit business, they also consume a large amount of funds.

There is no way to replenish and gather in time after the funds are consumed, and only after the capital of the previous loan is recovered, the next business can be lent to the next business.

As a result, it is difficult for microfinance companies to obtain financing, so that it is difficult to develop their subsequent lending business.

As for the last issue, which Li Qingyun is most concerned about, is the lack of effective supervision.

The responsibility for the supervision and management of microfinance companies in China has been placed on the provincial government, but the provincial government has further delegated power to the county and city level, which has led to the confusion of the main body of supervision, and it is easy to have multiple supervision or no supervision.

And some criminals also see the profits of the microfinance industry.

They have opened similar companies through some illegal means, but the business they are doing is completely unconscionable illegal loans, and the interest rates are simply appalling.

In addition, some "routine loan" scams that are disguised as private loans and commit fraud have also appeared frequently, seriously disrupting the order of the industry.

Judging from Xia Bingqing's reaction to himself, some phenomena in Shahe County can already be defined as "routine loans".

Li Qingyun is very clear in his heart that if he wants to achieve the purpose of "routine loan", two points are indispensable.

One is the organization and the other is the legal counsel.

On the legal side, these people are not difficult to solve.

As long as a high price is given, it is natural that individual lawyers and other legal practitioners will become the accomplices or "dog-headed military advisors" of the perpetrators and give them professional "legal guidance".

But in terms of organization, it is more difficult.

If you want to get the borrower to repay the loan, there is only one way - threats and intimidation.

Therefore, these companies that have developed "routine loans", if they are carefully pulled, they must all be suspected of being involved in crime.

Thinking about this, Li Qingyun's eyes gradually lit up.

A good idea gradually formed in his mind.