In fact, as long as you master the method, it is not difficult to find the pattern from Guan Jinpeng's account transaction records. Pen & Fun & Pavilion www.biquge.info

The first thing Mo Xiaobai did was very simple, which was to classify them according to the other party's account.

Something interesting soon appeared.

Xiaobai found that some accounts made a large amount of money into Guan Jinpeng's account for the first time, and then Guan Jinpeng's account remitted a small amount of money to these accounts every month.

These should be the accounts that provided funds to Kwan Kam Peng!

Mo Xiaobai immediately had an accurate judgment.

Some accounts are the first time Guan Jinpeng remits a large amount of money to the other party, and then these accounts remit a small amount of money to Guan Jinpeng every month, or a large amount of money at one time after a certain period of time.

Of course, there are also those where the flow of funds is suddenly cut off.

These should be the accounts that are looking for a loan from Guan Jinpeng!

Once these categories are done, the next thing is simple, and a lot of useful information is about to come out.

For example, after statistics, the total amount of funds currently operated by Guan Jinpeng is about 110 million, while the funds that really belong to Guan Jinpeng himself are less than 30 million, and the rest are illegal fund-raising.

Xiaobai also found that through private credit, Guan Jinpeng's average monthly gross profit should be about 4 million, and the income is still quite good.

It's a pity, because most of the funds are fund-raising, Guan Jinpeng also needs to pay interest to those fund-raising households, so the real remaining gross profit is only about 2 million belongs to Guan Jinpeng, and after removing the operating costs, Guan Jinpeng's monthly income should be about 1 million.

Haha, 80 million is gone, enough for this guy to drink a pot!

From this information, Xiaobai accurately judged the difficulties that Guan Jinpeng had to face.

Naturally, Xiaobai wants to know more than that.

After a period of research, several very special fund-raising accounts attracted Xiaobai's special attention.

Xiaobai found that in those fund-raising accounts, most of the monthly interest rates were two to three cents, but a few were as high as four to five cents.

These must be related households with backgrounds!

These accounts were targeted by Xiaobai.

Among them, there is an account that has attracted Xiaobai's special attention.

This is an account named Zhang Ruiying.

In terms of the capital exchange between Guan Jinpeng and this account, although the monthly interest is not the highest five cents, but four cents, the total principal amount is as high as 10 million. In other words, Guan Jinpeng has to pay up to 400,000 yuan to this account every month.

Moreover, it is particularly worth noting that this account began to have funds with Guan Jinpeng more than four years ago, and the funds slowly rose from 1.5 million.

There is definitely something wrong with the owner of this account!

After sorting it out a little, Xiaobai began to return this part of the account to the system, and let it continue to dig deeper.

In order to deal with Guan Jinpeng, Mo Xiaobai naturally had to make enough preparations.

――――――

The night passed quickly.

Early the next morning, Guan Jinpeng, who had been suffering all night, forcibly went through the discharge procedures despite the injury to his arm.

At such a critical time, it is naturally a matter of business, and Guan Jinpeng must go to the company in person.

After arriving at the company, Guan Jinpeng immediately issued the first order: to increase the interest on the savings to three cents per month.

This is almost the highest standard in the industry, and no matter how high it is, after removing the risks and operating costs, Guan Jinpeng's company is basically unprofitable.

"Mr. Guan, there is no money to be made in this company!" the business director kindly reminded.

The business director actually has doubts.

He is the old man of the company and also has a small stake in the company. He knows that under the normal operation of the company, the interest of the company's savings is generally two cents per month, and only in the case of an emergency shortage of funds, in order to attract funds in, will occasionally increase the interest on the savings to three cents, and the duration will not be very long.

Could it be that the company is suddenly short of funds now?

"Don't worry about this yet, there's a big project. Guan Jinpeng sealed the business director's mouth with a word.

"The second order, orders with a monthly interest rate of less than four cents will be temporarily suspended. ”

With the previous explanation, everyone also understands Guan Jinpeng's directive very well, which is a trend of concentrating funds to do big projects.

"The third directive, everyone is trying their best to recover bad debts. When necessary, any means can be used, and I will bear all the responsibilities if something happens. "Kwan Jinpeng issued one of the most important directives.

For Guan Jinpeng, this is no longer a solution.

After accounting, Guan Jinpeng understands a truth very well, that is, he must have enough funds to tide over this difficulty.

Moreover, he has to ensure that the gross profit needs to be close to 3 million per month, so that his company's capital chain will not break, so as to maintain it barely supported, so that he can think of other ways.

Alas, there are a little too many vampires who don't do anything!

At the most difficult time, Guan Jinpeng began to hate the special depositors who made him respect and fear.

In this line of work, there are not a few special characters to cover, and it is easy to have big problems when doing something out of the ordinary.

But once something really goes wrong, these special characters will disappear immediately, and they will pick themselves clean.

These people will only be most active when they receive interest every month!

Guan Jinpeng, who has been in this industry for a long time, deeply understands this truth.

Just like the fact that Guan Jinpeng's hand was broken this time, this should be a big problem! But just because that kid's background is a bit big, after these people popped up for a while, they all disappeared, and they didn't even look at Guan Jinpeng, let alone take the initiative to help solve the problem.

These people are so self-righteous that they are treating me like a fool and a money-making tool!

In this extraordinary period, Guan Jinpeng especially hated these people.

Since you are unkind, do not blame me for being unjust!

In order to get through this difficulty, Guan Jinpeng was really ruthless, even if he was broken, he did not hesitate to do it.

After arranging the company's affairs, Guan Jinpeng began to wait patiently for the arrival of Scar.

Scar is an old friend that Guan Jinpeng met when he was mixed more than ten years ago, and Guan Jinpeng was also doing something shady at that time.

It was only later that Guan Jinpeng laundered his hands and began to start a private credit business under the leadership of a friend, and made a fortune as a result.

And Scar is considered to have gone black on a road, and he is so black that he has a considerable reputation, but unfortunately, he may not be able to wash it in this life.

According to the agreement with Guan Jinpeng, Scar should be able to rush to Guangdong City at noon.

Guan Jinpeng began to look at his watch non-stop.

When it came to the end, he was still a little nervous.