The second floor of Yuehua Entrepreneurship Building.

The office of the Sky Bird Breeding Society is scattered with documents, furniture, and office computers have been looted, and only Guan Erye, who is enshrined in the shrine at the door, is alone there, guarding the empty office.

Just two months ago, the Bird Breeding Society was also a rural star enterprise supported by the District Agricultural Bureau, and when it first opened, the leaders of the district came to cut the ribbon in person, and the TV station also reported on it. In just two months, the breeding society fell into a debt crisis and fell apart in an instant.

Two cleaners were cleaning on the second floor, and when they saw the two of them, they asked, "You are also here to ask for debts?"

Zhang Feifei nodded, "Yes, eldest sister." ”

"A microfinance company, or a bank?"

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

A cleaner said: "Counting you, it's already the fifth wave, Mr. Luo ran away yesterday afternoon, and someone came to move their computers and mahogany furniture." There was garbage all over the corridor, and we both had been busy for most of the day. ”

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

The man recalled, "Yesterday morning, a few people came to Mr. Luo's office, and they kept talking about repaying the money, and one of them was still carrying a dirt gun, and we didn't dare to come over when we saw that the situation was not good." At lunchtime, Mr. Luo said that he wanted to use the bathroom, and two people escorted him, and then he heard someone shouting that Mr. Luo had run away, so they went to chase people, and two people smashed the things inside. After a few phone calls, they sent someone to move the things out. ”

"Eldest sister, who else wants to go through the debt?"

"There are also those farmers, as well as feed factories, it is said that Mr. Luo received their chickens, pressed them for a batch of goods and did not give money, as soon as he heard that he ran away, they all came to ask for an explanation. Hey, it's a pity that Mr. Luo, such a good person, was forced to do this by a loan shark. ”

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

Zhang Feifei went up to talk, "Uncle, you are also here to ask for debts?"

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

"Does he have any family?"

"Mr. Luo, he and his wife divorced two years ago, and the children followed his ex-wife, but he seems to have always wanted to remarry, and he has recently been very close to that uncle Li Songyuan. That Li Songyuan is also engaged in breeding, and his character is very poor. ”

Wang Chong asked Zhang Feifei, "This Li Songyuan, has he applied for a loan in our bank before?"

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

Wang Chong seemed to think of something, in addition to Luo Dacheng this time, there was also Li Songyuan of the Divine Bird Breeding Society, Li Songyuan had already fallen into a debt crisis, and had entered the blacklist, according to common sense, this loan is very likely to be Li Songyuan used Luo Dacheng to borrow the corpse to resurrect the soul, defrauded the bank loan, and then made a golden cicada with the small loan company and the bank, dragging the bank and the small loan company into the water.

Li Songyuan is a thief with this abacus.

Zhang Feifei asked, "What should I do next?"

"Although the money was taken away by the guarantor, according to the regulations, we still have to go to the borrower to understand the situation, and they are the real loan applicants. ”

The two were just about to go out, Wang Chong suddenly found that there was an online banking transfer slip on the ground, which was from Donghua Rural Commercial Bank, and the time was transferred to a person named Pang Yutian on the night after the loan was placed, with an amount of 50,000 yuan.

Wang Chong stopped and began to look through the materials scattered on the ground, among which there were many transfer records from Donghua Rural Commercial Bank, and after summing up, there were forty or fifty of them, and the time was from half past four in the afternoon to ten in the evening of the same day.

After the 19 million yuan entrusted to Luo Dacheng's breeding cooperative's account in Donghua Bank, because it was a weekend, large transactions were closed, and each transfer could only transfer up to 50,000 yuan. In other words, after the loan was issued, Luo Dacheng used six hours to transfer these loans out in batches. Among these flow slips, eight of them were transferred to Donghua Yuandeng Famous Tobacco and Liquor Store, totaling 400,000 yuan, and more than 20 were transferred to a personal account named Chai Guangtao, with a total amount of about more than 1 million yuan.

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

Wang Chong took out a mini notebook and wrote down this information in shorthand, a work habit he had developed over the years. Through these transfer slips, Wang Chong has a rough inference about the capital chain of the entire case.

Nineteen million yuan, to transfer all of them will take three or four hundred operations, Luo Dacheng is in a hurry, there is no time to take away the things in the office, these transfer vouchers should be left on the ground when the small loan company moved the furniture.

As for the transfer of 3.8 million yuan, it should be the deposit deposited in Donghua Bank borrowed from the small loan company. In other words, Luo Dacheng used the bridge funds of more than a dozen farmers and small loan companies to defraud the white wolf of 19 million yuan, and after the loan was received, the deposit was not returned to the small loan company, and he directly chose to run away with Li Songyuan.

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

Zhang Feifei was rummaging through things in the corner, and suddenly held up a notebook and said, "Director Wang, here is Luo Dacheng's notebook." ”

The notebook is very simple, the kind of five or six yuan a book that is common on the market, with some of Luo Dacheng's meetings and to-do items written on it, and the most recent day is October 23, which is the day the loan is placed. Just a few lines of to-do memo:

1. Tung Wah Bank loan;

2. Transfer 40 to Pang;

3. Pay the bill for the truck baggage;

4.KN217；

5.1234@abcd

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

Luo Dacheng's run away this time, it should be a premeditated action in advance, the small loan company pays more attention to the stop loss of property, but ignores these documentary things, if you can get Luo Dacheng's computer, you should be able to find more useful information, such as his search history, the pages browsed, so as to grasp more information, Wang Chong even considered, whether to negotiate with Shi Kui and Shi Hu, to Luo Dacheng's computer.

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

Zhang Feifei said, "At half past eleven o'clock last night, I was about to rest, when I suddenly received a strange text message, saying that Luo Dacheng, a loan owner, had run away. So he reported to President Gu as soon as possible. ”

"Anonymous text messages?"

Zhang Feifei took out his mobile phone, called up the text message, and handed it to Wang Chong. The text message was only six words, "Luo Dacheng has run away." ”

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

He glanced at the number, and it showed that the place of origin was Linhu City, which bordered Donghua City. Wang Chong didn't say much, saved the number, and waited to find a friend to check it when he was free, since the other party was so cautious, if nothing else, it should also be a white number.

Wang Chong decided to visit the home of the borrower, and in a legal sense, the guarantor ran away, but the borrower was one of these farmers, and they were obliged to repay the loan.

Zhao Xinchun Farm.

Zhang Feifei explained his intention to Zhao Xinchun, Zhao Xinchun's emotions were more excited, "The money is my loan, but I haven't seen a penny, Luo Dacheng pressed my chicken money, saying that the funds have been tight recently, let me help him take out a loan, and wait for the money to settle for me, who knew that kid actually ran away, more than one million, I did it for nothing for a year and a half!"

"Do you know where Luo Dacheng ran to?"

Zhao Xinchun scolded, "If I knew, I would have hacked him to death with a knife a long time ago!"

Zhang Feifei didn't answer, and took out a document from his briefcase, "Mr. Zhao, the purpose of our visit today is to understand the situation of Luo Dacheng's escape, and second, because you are the borrower of this loan, due to the rupture of the capital chain caused by Luo Dacheng's escape, we believe that your loan has a major business risk, according to Article 31 of the loan contract, we have the right to announce the immediate expiration of the loan to you, please sign this document, and then discuss the repayment." ”

Zhao Xinchun said, "I haven't seen the money, why should I repay it?"

"But the loan contract is signed by you. ”

"My signature is true, but Luo Dacheng took the money, you go to Luo Dacheng to ask for money, he still owes me more than one million, you ask me for money, who do I ask for money?"

Wang Chong could clearly feel Zhao Xinchun's anger and helplessness, Luo Dacheng ran away this time, not only dragging down the bank and small loan companies, but even the farmers he cooperated with were also trapped.

Before coming today, Wang Chong has confirmed that the Bird Breeding Cooperatives did not have the financial subsidies claimed, and the Poultry Breeding Cooperatives purchased chickens from farmers at a higher price than the market price, which was the use of Zhao Xinchun and others to pursue profits, and occupied the market in the entire region in a very short period of time after opening, and delayed payment by seizing a batch of payments, which can be regarded as a disguised illegal fund-raising. The principal becomes the purchase price, and the high interest becomes the high purchase price.

This kind of loan default situation is the first time Wang Chong has encountered it since he started his career, and he said to 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 the obligation to inform, and at the same time to understand your willingness to repay, if you are willing to cooperate, on the premise of not affecting your business, you can repay the interest first, and we can give you a period of turnover." ”

Zhao Xinchun said, "It's not that I don't have money, if I have money, I will definitely pay it back." ”

Coming out of Zhao Xinchun's farm, Wang Chong said to Zhang Feifei, "Put today's investigation into the post-loan investigation materials." ”

For a whole day, the two drove to visit other borrowers, but the results were shocking, except for three actually operating farms like Zhao Xinchun, the remaining dozen or so households were not real farmers, and most of them were either farming at home, or working outside, and there were some middle-aged and elderly people in their fifties.

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

Some people are just elementary school educated, and they even think that they go to the bank to sign a contract to apply for subsidies. They don't know about the loan and will never repay it.

When Zhang Feifei told them that if they didn't repay the loan, the bank would sue them and let the court enforce the house, an old man lost control of his emotions and said loudly, "Even if it is Huang Shiren in the old society, he has not occupied other people's houses, if you really do this, we will go to the government to sue you!"

Zhang Feifei was stupid by the results of this investigation, and Wang Chong tried his best to control his anger, "I have always emphasized that the pre-loan investigation must be done by two people in person, but you are taking it as a deaf ear! You are joking with your career!"

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

"Find Luo Dacheng and Li Songyuan and minimize the loss. You go to Luo Dacheng and Li Songyuan's home and neighbors to see their usual behavior, preferences, habits, etc., to see if you can collect some useful information, I will go to the Municipal Public Security Bureau to determine whether to file a case. ”

After Zhang Feifei took a taxi and left, Wang Chong received a call from Li Qiaowei before and after, Luo Dacheng's deposit of 3.8 million yuan had been deducted, but soon, Zhao Dagang also called, "Boss, the situation is a little bad." ”

"What's wrong?"

Luo Dacheng's villa in Xindi Lake and other properties were seized last Friday. ”

Wang Chong said angrily, "The mortgage registration was only completed last Thursday, and it was seized on Friday?"

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

"Who?"

"It's his eldest brother, Li Songyuan!"