The next day, Wang Chong and Li Yishu talked on the phone, during the Spring Festival, we just sent each other a few New Year's messages, this is the first time I contacted her after returning to Donghua, after shushing the cold and asking for warmth, Wang Chong told her that Liu Xueyi's 4S store may be suspected of illegal fundraising, and asked her to pay attention.

Li Yishu said: "Liu Xueyi's 4S stores and resorts have been listed as the focus of the municipal economic investigation, and from the end of last year to the present, they have amassed more than 20 million funds. ”

Wang Chongqi said, "In that case, why don't you take action?"

Li Yishu sighed and said, "This is the difficulty of the matter, illegal fundraising is different from other crimes, one is that it is highly concealed and attractive, and there are many variants and variants, and the other is that no one takes the initiative to report the case before the loss is caused, so the lag is large." Liu Xueyi's shop, it's understandable that people charge membership fees for car maintenance, if you close the store based on this alone, where is there such a reason?"

Wang Chong shook his head, "Can you only watch them cheat?"

"We can only do some popularization and propaganda work, but in the face of interests, how many people can maintain a sober and rational mind?"

Nowadays, there are many telecom fraud, illegal fundraising, and pyramid schemes, and after packaging, they have become various variants, which makes it difficult to prevent them. As a financial worker, Wang Chong has been dealing with enterprises and individual businesses all year round, and has a thorough understanding of financial crimes, financial fraud, illegal fund-raising and other manifestations and routines, so he decided to do something.

He called Ma Xiaoxiao and wanted to write some articles about illegal fundraising, which would be published on Ma Xiaoxiao's financial column.

Wang Chong turned on the computer and wrote an article, "Anti-Fraud Guide: How to Identify Illegal Fundraising". In the article, Wang Chong summarized the manifestations of illegal fundraising into four points:

First, high temptation. Whether it is a member cashback, P2P, or dynamic points, static points, black points, white points, the other party in the publicity, without exception, is higher than the bank interest, or three years of return to the principal, or such as Liu Xueyi, recharge the maintenance fee, send the same amount of money, for consumers, this is equivalent to a pie in the sky, some people who are greedy for a small bargain are very easy to be fooled.

Second, it is contrary to common sense. Whether it is a manufacturer to engage in promotions, 30,000 mention of BMW's Lianhui, or after recharging, the more money is spent, the more money is spent, or even a deposit, a certain platform for free car rental within two years, at first glance, the publicity means are very unreliable, but there are always people who stand up to prove that it is true, and have enjoyed the convenience, so that you will become suspicious.

Third, collect money in advance. Everything is pre-charged, and this charging model has an addictive mechanism, even if you enter with a try-and-see attitude at first, you will gradually get stuck step by step, and put more and more money into it, and even if you want to come out, you can't get out.

Fourth, time replaces money. The characteristic of illegal fundraising is that it will not provide services immediately after charging, but will use the service object and content to control within a long time span (such as three years of return to principal, semi-annual payment of interest, etc.), which is the premise of illegal fundraising.

If an incident meets the above four characteristics, then almost 99% is illegal fundraising, and another 1% is that Jack Ma's father is a fortune boy. So, how to prevent being deceived? There is only one thing, don't be greedy. It's easy to say, but it's hard to put it into practice.

After writing it, I sent it to Ma Xiaoxiao, Ma Xiaoxiao felt a little stiff, it was too public, so I added some examples to it, and then revised it again, barely qualified, but the signature, of course, became Miss Ma, Wang Chong said helplessly: "The signature is you, how about the manuscript fee?"

Ma Xiaoxiao said: "No problem, but I confiscated it, there is no oil, salt, sauce and vinegar at home." ”

"It's all a family, and it's so clear. ”

"Cut, it feels so good, who's with you?"

Wang Chongxin said yes, there is still a week to Valentine's Day, and this day is also Ma Xiaoxiao's birthday, he is ready to propose to Ma Xiaoxiao on this day, this matter has been in his heart for a long time, he decided to give Ma Xiaoxiao a surprise, and the engagement ring has been chosen, has been hidden in the car, did not dare to put it at home.

Liu Xueyi called, "We are doing the financing of automobile certificates, what are you considering?"

Wang Chong thought about it and told the other party that the plan was still under consideration, and their branch held a special meeting to study that this model was not a logical and self-consistent sustainable profit model.

Liu Xueyi was a little annoyed, "This is because you don't understand our business logic." President Wang, we can be regarded as having some friendship, in the past six months, several of my companies have given you branch deposit support, to say the least, tens of millions, you can't meet such a small request?"

Wang Chong smiled secretly in his heart, Liu Xueyi showed favor to him before, and offered to give him deposit support, he also thought that he had made a good friend, but who expected that now it seems that the other party did it deliberately.

Wang Chong's rejection of Liu Xueyi made Liu Xueyi a little annoyed, fortunately he had never accepted Liu's gifts and money, otherwise Liu Xueyi would use this as a threat to let you open the net, then at that time, even if your model is not feasible, it is likely to become bad if you release the money, and you have to be dragged into the water by him.

After several recent events, Wang Chong felt more and more that the beliefs and guidelines he adhered to were extremely correct, as long as he walked upright, sat upright, and was not afraid of shadows, he could truly gain a foothold in this world full of uncertainties.

……

Pegasus Clubhouse.

According to Zhao Xiaocheng's request, Huang Feihu killed Shi Kui. However, afterwards, he did not find the package he said on Shi Kui's body, but found that the person he spoke to on the phone before his death was Shi Kui's former subordinate Deng Xiaoxian. After finding the other party, Zhao Xiaocheng used a little trick to ask the recipient of this package, which was Ma Xiaoxiao, a reporter from "Donghua Daily".

Zhao Xiaocheng sent a few subordinates, and after making sure that there was no one at home, he pried open her door and turned her house upside down, working in vain, and there was no gain.

Even Zhao Xiaocheng was a little skeptical, if something was in Ma Xiaoxiao's hands, such a big news, how could she not react? I also asked the upper echelons of Donghua Daily, there is no news about Tianma recently, what is the reason, could it be that the guy named Deng Xiaoxian did not tell the truth?" Zhao Xiaocheng did not expect that the package was placed in the security room because Ma Xiaoxiao did not accept it. Later, after Ma Xiaoxiao moved to Wang Chong's side, he also forgot about this package.

There was no result for several days, and it finally caused Qi Zhongyuan's anger.

"A bunch of rice buckets!"

After Qi Zhongyuan reached sixty, he paid great attention to the way of health preservation, and he would not get angry easily, but today he was furious in the office, and in the office, Zhao Xiaocheng, Qi Beiwang and two henchmen were so frightened that they didn't dare to take a breath.

Qi Zhongyuan looked at Zhao Xiaocheng with his eyes, making Zhao Xiaocheng sit on pins and needles, and he broke out in a cold sweat. "Do you know what the consequences will be once these documents reach the police? We will have to go to prison for the rest of our lives! I don't care, the loess is buried in our necks, what about you?"

Everyone didn't dare to speak, Qi Zhongyuan scolded indiscriminately, and asked everyone: "What do you say?"

Qi Beiwang said in a low voice: "Father, the money in these accounts has been transferred away by us a year ago, even if the Public Security Bureau finds it, it is just some empty accounts, and it can't be found on us." ”

Qi Zhongyuan said coldly: "Over the years, Brother Shi Kui has helped us do many things, you don't know, if you poke these things out, I'm afraid it will not only be as simple as going to prison." I told you, this kind of person can be used to do things, and if you don't interact with them in normal times, you won't listen, Zhao Xiaocheng ......"

Zhao Xiaocheng was named, he was shocked, and said with a smile on his face: "Chairman, I ......"

"It's understandable for you to make a small move with Shi Kui and make some money, but it's too out of proportion, otherwise how could this batch of account information fall into his hands?"

Zhao Xiaocheng was drenched in cold sweat, "Chairman, wronged, I have never mentioned the account to him." ”

"Forgive me and don't dare!" Qi Zhongyuan said coldly, "However, the people under your command should also be taken care of." Investigating this kind of thing should have been your business, but let me end it for you, hum. ”

Qi Beiwang suddenly said, "Father, I have a way. ”

Qi Zhongyuan looked at this son, and regretted it a little in his heart, blaming himself for being too doting on him over the years and not being strict enough, which caused this kid to be ambitious and talented, and embarrassed to take on a big responsibility.

"Tell me about it. ”

Qi Beiwang said: "I still have some friendship with this reporter, why don't I ask her out to talk, it's really not good, we will pay to buy this news and directly give her a price that she can't refuse." ”

Qi Zhongyuan shook his head when he heard this, but said, "It's okay for you to give it a try." ”

……

At noon the next day, Ma Xiaoxiao bought a Valentine's Day gift for Wang Chong in the mall, and Qi Beiwang walked over, "Hello reporter Ma Da!"

Ma Xiaoxiao was a little unhappy when he saw that it was Qi Beiwang. Qi Beiwang had pursued him before, but he was not his own dish, so Wang Chong came to help her block it, and asked, "President Qi, is it so coincidental?"

"Unfortunately, unfortunately, I came to you on purpose. ”

Ma Xiaoxiao was a little strange, "What kind of wind blew you here?" Hopefully, though, the wind will blow you away. ”

Qi Beiwang laughed, "Miss Ma is so humorous, why don't you sit down and have a drink, I have something to ask for." ”

The two came to the café on the first floor of the mall and asked for two cups of coffee, Ma Xiaoxiao said: "If you have something to say, I'm a little busy." ”

Qi Beiwang also said: "Okay, I won't go around the bend anymore, Miss Ma, you can make a price." ”

"What's the price?"

"That document has been in your hands for several days, and you haven't called the police, aren't you just waiting for us to find you? You name a number, as long as the price is reasonable, we can accept it. ”

Ma Xiaoxiao was confused by Qi Beiwang, "What document?"

Qi Beiwang said: "It is a confidential document of our Tianma Group. ”

"Since it's a confidential document, how can it be in my hands, President Qi, I don't have the document you said, and I don't have the idea of using this document to ask you for money, I think, you should have misunderstood. ”

Qi Beiwang looked at Ma Xiaoxiao very seriously, as if he wanted to see something in her eyes, but the result was disappointing, he stood up, put on his coat, and said with a graceful manner, "Since that's the case, I won't bother you." By the way, if you have any ideas, feel free to contact me. ”

Qi Beiwang walked out more than ten meters away, and instructed the two subordinates not far away, "Keep an eye on it, if there is anything abnormal, report it immediately." The two men answered, disappearing into the crowd.

……

The files of Li Qingquan, Gu Tiande, and Shi Hu were placed in front of Li Yishu, and since these three cases were related to the 913 extraordinarily large illegal fund-raising case, with the approval of the higher authorities, the three cases were handled together and handed over to the procuratorate after all the investigations were clear.

Whether it is Li Qingquan, Gu Tiande, or Shi Hu, the facts of their crimes have been investigated clearly, but when they traced back to the deeper level, in the end, all the clues were cut off when Shi Kui arrived.

Li Yishu knew that Tianma Group was also involved, but as of now, there is a lack of sufficient evidence chain to connect them, so that the case can never be promoted. Gu Tiande also revealed that the funds involved in the 913 case were in Donghua City, hidden in hundreds of accounts, but except for a few accounts, they had no clue at all.

At this time, Ma Xiaoxiao called and asked her to go out for coffee together, Li Yishu didn't want to go, and he couldn't stand Ma Xiaoxiao's soft grinding and hard bubbles, so he had to agree.

Half an hour later, she came to the date in a police uniform, and Ma Xiaoxiao had already ordered something for her, "After eating, you can go shopping with me." ”

Li Yishu said, "Miss, I have work to do, where can I be so idle like you?"

Ma Xiaoxiao pouted and begged, "It's Valentine's Day soon, I want to buy a gift for Wang Chong, but I'm not sure what he likes, can you help me get an idea." ”

Li Yishu said, "You wave of dog food, I was caught off guard." ”

The two walked around for more than an hour, and finally Ma Xiaoxiao spent 3,000 yuan to buy a tie for Wang Chong. Li Yishu quipped, "Wang Chong married you, an invisible rich woman, it's really important to be happy." ”

Ma Xiaoxiao said, "As long as I like him and only think about giving him the best things, even if I eat bran vegetables, I am very happy." Li Yishu listened to it and felt that it was not unreasonable for Wang Chong to be with her in the end.

Not far away, a man in a suit held a walkie-talkie and said, "Boss, after you left, Ma Xiaoxiao met with a female policeman, and the two talked and laughed and went to the mall together." ”

"Got it. ”

Note: Recently, a friend was deceived, and Sanguan summarized the form of illegal fundraising a little, which is regarded as popularizing financial knowledge.