In front of his computer, Yan Wenlong called up a series of data reports on non-performing loans and showed them to his two partners: "Lao Cao Lao Sun, you see, this is the data analysis I did, and I have some discoveries. Pen "Fun" Pavilion www.biquge.info"

He pointed to the first 30 lines of the list and said, "Ninety percent of our non-performing loans come from small business owners. But the key is the top 30 large arrears, who have the largest arrears, totaling as much as 29.43 million, accounting for the vast majority. The more than 700 small business owners in the bottom line, although the number is large, the total number of non-performing loans is only more than 1 million. ”

"Yes, that's true. Although the law of 28 has existed for a long time, it is the first time I have seen such a disparity in the distribution of 28, which is extremely abnormal. Sun Xianyu echoed.

Yan Wenlong called up another table, pointed his finger to the eight pie charts, and said, "I analyzed these thirty people, looked at their age, income, place of origin and other information, and found a high degree of similarity. Pointing to a pie chart, he said, "Especially in the industry sector, the vast majority of them are from the trading industry, and they are all steel traders. ”

"These steel traders have a large amount of capital in and out, and the overdraft limit of credit cards is high. So when they don't pay back, the whole arrears become particularly serious. Cao Zongxian nodded and said, "Sure enough, the problem is here." ”

"Yes, we always thought that it was the thousands of fruit stall owners, restaurant owners, and clothing store owners who caused this situation, and if that was the case, with our resources and manpower, it would be difficult to recover it, and it would not be possible to do it in three months. Now it seems that this matter is much easier, just get those thirty people. Sun Xianyu's face was happy, and he clenched his fists and shook his arms.

Yan Wenlong didn't speak, but printed out three sheets, and together with the two partners, they looked at it in detail.

In these three tables, all the transaction information of each customer is listed, from the first card transaction, to each cash withdrawal, overdraft and repayment, each record is listed clearly and extremely detailed. In the last column of the form, the credit score of these people is also identified, as well as the credit rating.

Yan Wenlong picked up the paper in his hand and said, "You see, these people have always been normal overdrafts, transactions, and repayment on time. With their good repayment records, their credit scores have gradually increased in our company's model until they become very high-level valued customers, quality customers that the company is committed to maintaining for a long time. Among these people, more than half of them have high overdraft limits, many of them reach as much as 2 million, and the highest person can even overdraft 5 million, which is terrible. ”

"As for why these high-quality top customers change their faces in an instant, and suddenly they collectively do not repay their debts, only door-to-door communication can be understood." Yan Wenlong's face was grim, and he put the report in his hand heavily on the table.

In the Chengbei District of Taigang City, near the North Railway Station, there is a large steel market with an area of about 800,000 square meters. At the entrance and exit of the steel market, all kinds of people come in and out, which is very lively. Inside the large market, there are warehouses and natural storage yards full of large quantities of rebar, plates and all kinds of rebar. Large lifting machines are constantly busy, moving the steel and loading it from the warehouse.

Yan Wenlong walked through the warehouse and came to the top floor of a small three-story building. He came to an office with a "general manager" number and knocked on the door. After receiving permission, he pushed open the door and strode into the office, to a desk.

Yan Wenlong looked at the bald man in front of him and said, "Mr. Yao, hello, I am across the credit card company, my name is Yan Wenlong." I'm here today because I want to talk to you about something. ”

The bald man raised his head and looked at Yan Wenlong with a puzzled face, he put down the work in his hand and said, "Across the company? Oh, I see. I understand your intentions. ”

Yan Wenlong sat down at his desk and said, "Yao is always a smart person, and before I even opened my mouth, you already knew what I was going to say. Then I'll get straight to the point, the credit card debt you owe in my company is a total of 2.17 million, and it has been six months. Our staff has also called many times to urge, can you do me a favor today and pay back these payments? ”

"Oh, you are such a big company, and you are not inferior to my 2.17 million. Why are you pushing it so hard? How did you come to me? You should check with other debtors first. The bald man said casually.

Yan Wenlong waved his hand, picked up a cigarette on the table, took the initiative to light it, and smoked it: "Most of the people who have a lot of arrears in our company are you steel trade bosses, and you have a total arrears of more than 30 million, which is not a small number. ”

"In the field of steel trade, most of the bosses are Gongjiang people, very united and act in unison. Everyone knows that in the Chengbei Steel Trade Circle, the leader of the Gongjiang people is you, Yao Chengwei and Yao Zong, and they have always been the only one to look forward to. So, of course, I'm the first to come to you. If you repay the loan first, I'm sure others will repay it sooner. ”

Yao Chengwei stood up, walked around the office, passed by Yan Wenlong, and came to the window. He opened the window, looked out the window, and said: "The recent economic situation is very bad, the industry winter is coming, the steel trade has fallen to the bottom, and our financial situation has also deteriorated sharply. So, Xiao Yan, it's not that I'm unwilling to repay, it's really impossible to open the pot. Don't say 2.17 million, it's 20,000 yuan, I can't even take it out now. Not a penny in the account! ”

Yan Wenlong snorted coldly, took out three pieces of paper from his bag, and handed them to Yao Chengwei.

"The first is the trading data of the steel market in the north of the city, and your company's trade volume has been steadily rising. I inquired about it, and the fund settlement cycle of your industry has not changed, and the payment ratio has not changed, so there will not be a situation where it suddenly falls to the bottom. The whole market is in full swing, I really can't believe your words, and the industry has not entered a cold winter. ”

"The second one is the license plate record of the DMV that I found. Your company just bought a Mercedes-Benz C-Class sedan last week, and the configuration is still very high. This car is considered a luxury, if you can't even get 20,000 yuan, how can you buy this car? ”

When Yao Chengwei saw this, his hands trembled a little, and he couldn't help staring at the young man in front of him, and his face sank.

"This third one is more convincing, I have a friend at Ukka. You also have a card at their company, and you also have an overdraft. According to the records I found, just the day before yesterday, you repaid the loan on time, and the amount was 167,000. I was not reconciled, so I asked a friend to check your card and repayment records in Guangyuan Company, and found that just yesterday, you repaid 234,000 yuan. ”

Yan Wenlong stood up suddenly, looked directly at Yao Chengwei, and said, "So, it's not that you don't have money, and it's not that you don't want to repay the loan." You are deliberately not paying back the credit card loan that crosses the company, you have ulterior motives, and you are simply targeting us. ”

Yao Chengwei looked surprised and didn't speak for a long time. He returned to his seat, lit a cigarette, and exhaled a cloud of smoke. He smiled: "The young man is good, you know a lot more than other debt collectors, and you can see that you have done your homework." It's been a long time since I've met a young man as good as you. That's right, I did it on purpose. ”

Yao Chengwei leaned back on the swivel chair, turned ninety degrees, and aimed his side face at Yan Wenlong. He snorted: "You guessed right, indeed, those fellow villagers of mine all obey my instructions and advance and retreat together. This time, we are from the same Jiangsu, and the rhythm is the same. ”

Yan Wenlong's face was indifferent, as if he had already known all this, and asked, "I want to know the specific details and process, and I want to know your motives even more." ”

Yao Chengwei's eyes showed a fierce light, and his left hand clenched into a fist. After a while, he slowly let go. He said, "Since you guessed it, I don't need to hide it anymore. Two years ago, when you started accepting submissions from small and medium-sized business owners, I knew the opportunity had come. At first, I cautiously asked a fellow to apply for your credit card first. After being easily approved, I immediately instructed the rest of the countrymen to apply for a credit card from your company. ”

He took out a stack of paper from the drawer, handed it to Yan Wenlong, and said, "This is my transaction record and monthly bill for the last two years, I have kept it, and I believe you must have a similar record there." ”

Yan Wenlong took the stack of papers, glanced at it, and said, "That's right, I have it too, except that there is no credit score, this form of yours is almost exactly the same as my table." ”

Yao Chengwei smiled, dusted off the ashes, and said: "I have been cautious, starting from the first payment, starting with the normal credit card purchase, the first month is all about consumer expenses, and then repaying on time on the bill date, or even saving a little more." In the second month, I started to increase the amount of transactions and then made repayments on time. In the third month, I spent more than 50,000 yuan. In the fourth month, I started to apply for your instalment loan. ”

"As I spent and borrowed more and more, the amount became larger and larger, the repayments were timely, and the credit history was good, I quickly became a high-quality customer that you liked, and my score continued to grow, and my overdraft limit became higher and higher."

Yan Wenlong's eyebrows furrowed, and he said, "No, you can be so thoughtful, but you can't make your thirty friends have the same rhythm as you, and it is impossible for someone as busy as you to be bound by these tedious things." ”

"You're smart indeed." Yao Chengwei said: "I didn't let them do it, I didn't have that much effort. I took all the cards they had in your company and let me use them. With that, he opened the drawer, revealing dozens of shiny credit cards.

Yan Wenlong glared, his mouth widened, and he showed an expression of disbelief, and said, "You really have ulterior motives!" ”

"Half a year ago, I found out that my credit card limit had been increased to five million, and most of the other people's cards had reached two million. I acted immediately, overdrew 2.17 million, and paid a sum of money. I also used other credit cards, each overdrafted hundreds of thousands, paid for my goods, and lent to a few friends in the circle by the way. Yao Chengwei said this, showing a sinister smile.

"Then, you don't pay for six months from that point on, even if you are repeatedly urged to do so. Our company has more than 30 million non-performing loans at once. Yan Wenlong said: "This process is not difficult to understand, but, what is your motivation and why do you want to do it?" ”

"Hahaha, why? Why? Yao Chengwei touched his bald head and asked, "Isn't this obvious?" I just want to clean up your company, make you uncomfortable, and preferably close down your company. In this way, the hatred in my heart can be dissipated. ”

Yan Wenlong sneered, snuffed out the cigarette butt, and said, "You have also been in the mall for a long time, so you won't be so naïve." Leapfrog Company is the fifth largest credit card company in the industry, with assets of tens of billions and only 30 million, how can it be possible for our company to fail. You're a fool's dream. ”

Yao Chengwei leaned over, put his face close to Yan Wenlong, and whispered, "You idiot! Do you think it's impossible? I'm telling you, it's possible. Let me tell you what will happen in the following order. ”

"Your Taigang branch will have a high NPL rate because it cannot recover the NPLs, and the high NPL rate will be high for a long time, and it will be criticized by the financial regulator until your branch has its license revoked. In the future, with the closure of the branch, your corporate brand will be damaged, at this time, I will arrange a group of people to complain about your company in various places, and respond to the regulatory authorities for your indiscriminate charging behavior, and the regulatory authorities will continue to check you, and I will pay for the media to hype it, causing your image in the minds of consumers to plummet. When your company's reputation and image are shattered, won't the company go out of business? Isn't that a big possibility? A spark can start a prairie fire! Young man, when the time comes, you will understand, who is the idiot! ”

Yan Wenlong sighed and did not speak. He took out his mobile phone and flipped out a photo, which was a group photo of the company's employees traveling together, and he handed the phone to Yao Chengwei.

Yan Wenlong said: "Look at this photo. In the back row, the eldest sister, her husband is sick and can't work, her son goes to school, and the whole family only depends on her salary to support her. The young man with glasses below, who has been talking to his girlfriend for many years and is currently trying to save money, hoping to buy a house and get married soon. The man on the right side of the back row, he just gave birth to a son, and now he is fighting high every day, hoping to earn more milk powder money and take better care of his son. ”

"You have to deal with the company, but in fact, you are harming us low-level employees. Because of this bad loan of yours, a lot of people will lose their jobs. We are all people at the bottom, we have no connections, no savings, low education, no jobs and income, which is likely to mean that the family is broken and there is likely to be a human tragedy. Have you thought about it? ”

Yao Chengwei shook his index finger and said, "I don't care." As long as I bring down your company, it is a company that lacks morality and must be punished. As for you, if you lose your job because of this, you should thank me, it is better to leave such a company early. ”

"As for what you said, some people have to rely on this job to support their families, some people have to earn school fees, some people have to earn milk powder money, it's the same everywhere. The life of the people at the bottom is always difficult, don't blame me. ”

Yao Chengwei's face was indifferent: "I just need to achieve my goal." As for whether they are dead or alive, I don't care. Otherwise, I will be very kind, if you are really unemployed, come to me and line up, I will distribute porridge to you every day, and guarantee that you will have porridge to drink for 360 days, and you will definitely not die of hunger. You're welcome, and you don't have to thank me, I've always been a conscientious businessman! ”

"You! You! It's simply inhumane! Scum! Yan Wenlong stood up, pointed to Yao Chengwei's face with his finger, and said angrily.

Yao Chengwei turned his head away and ignored Yan Wenlong. The smell of gunpowder between the two escalated instantly, and it seemed to detonate at any time.

After ten seconds, Yan Wenlong packed up his things and said, "No matter what happens across the company, it at least gives my colleagues a salary so that they can survive." Maybe we'll all end up leaving this company, but definitely not by you. Yao Chengwei, if you don't want to be peaceful, I will definitely find a way for you to pay back the money. ”

"I swear, I'll do it!" Yan Wenlong said loudly, slamming his fist on the desk.

"Hmph, do you want to find the underworld to collect debts, in Taigang City, I am more familiar with the relationship of the underworld than you, and I have been in prison. You can sue if you want, and by the time the court enforces it, your branch will be out of business. Hey, there may really be a lot of people who are unemployed and make trouble? It doesn't matter, men can be killers if they are unemployed, women can be chickens if they are unemployed, you can all survive. Hahaha"

"Little brute, don't be whimsical, your people have also come in several waves, and each of them has let go of cruel words, and the result is not the same. I see that you are very capable, and I am in a good mood today, so I will give you a chance so that you can be ridiculed by me in person and help you grow. Hehe, don't thank me! ”

Yao Chengwei walked to the door, opened the door, put away his smile, and said coldly: "No one can get money back from me until my goal is achieved." You can't do it either. Now, that's the end of the conversation, you fuck me off! ”

The clock on the wall came to ten o'clock in the evening, and in the rental house, Yan Wenlong sat at the computer desk, constantly clicking the mouse, constantly typing Yao Chengwei's name, and opening one web page after another.

After an hour of investigation, search, analysis and comparison, Yan Wenlong found that judging from the public information, Yao Chengwei had indeed been in prison for seven years, and he had been a cellmate with the boss of the underworld. Judging from some forum posts, he once used the power of the underworld, and it is clear that he has a close relationship.

In addition, Yao Chengwei had dinner with cadres of the public security, procuratorate, and law on many occasions, and there were also dignitaries from the authorities who went to his company for investigation. Obviously, the relationship in the white road is also very hard.

What Yan Wenlong can't explain the most is that Yao Chengwei has been law-abiding for many years, is a big taxpayer, has done well in business, has received various commendations, has a good credit record, and is not an old man in the traditional sense.

"Why?" Yan Wenlong muttered to himself and fell into a deep state. He looked at Yao Chengwei's photo and asked, "What should I do?" What to do? How can I get this money back? Are you really going to watch him collapse our branch? ”

"No, absolutely not!" Yan Wenlong clenched his fists. He gritted his teeth, rushed at these pages, and said: "For Aunt Lin, for Lao Cao and Lao Sun, and for my colleagues, I must succeed, and I must defeat Yao Chengwei!" I will not admit defeat! ”

As soon as Yan Wenlong finished speaking, his glasses began to change, and the green number on the left side kept jumping. He was surprised to find that his fighting spirit started from 330 and rose all the way to 510.

At the same time, the data network appeared in front of Yan Wenlong again, and he felt a cool breeze in front of him. After a while, when he opened his eyes again, he found himself once again in the boundless green virtual digital world.

Yan Wenlong saw a shadow walking towards him, and soon he realized that it was a mysterious alien beauty he had met once. He looked at the other party's graceful steps and did not speak for a long time. When the beauty stood in front of him, his nosebleed ran down his nostrils at the same time.