Today Shen Ye had no intention of reading for the first time, and it happened that it was the time for the Literature Club in the afternoon, because he was busy with his studies and had not come to participate in the activity for a month, and today he specially came to see Wen Qingqing.

Sure enough, he saw her, but she didn't have her usual bright smile on her face, and she sat alone in the corner, her eyes were radiant, and she didn't have her usual concentration when she listened to the lecture.

At the end of class, he walked behind her, "Classmate Wen Qingqing." ”

She looked back and barely squeezed out a smile: "Shen Ye, I haven't seen you participate in activities recently." ”

Shen Ye hesitated for a moment and asked, "I heard that you and Zhao Xu are going to get engaged?" ”

The smile she barely squeezed out was gone, but she forced a smile and said, "That's right, you came to congratulate me, didn't you?" ”

"You said you didn't like him."

"Can we not mention it?" She sorted out the materials on the table, "I'm sorry I left beforehand." ”

"Qingqing." He screamed, and she stopped. "It's been your whole life, don't you really regret it?"

She covered her face, and at this time there were only the two of them left in the class, and she finally couldn't hold back the tears oozing from her fingers.

Shen Ye took a step forward and said, "I know your family is in trouble, but do you have to do this?" Is there no other way? ”

"Don't talk about it!" She suddenly cried, "What can I do? I'm part of the family, I can't watch my dad go to jail, if you were me, what would you do? ”

She ran out crying, Shen Ye stood there blankly, his fists slowly clenched, and he chased after him quickly. But when he chased to the door, he ran into Zhao Xu who came to pick up Wen Qingqing, Zhao Xu saw her eyes red, and asked, "What's wrong?" When he looked up and saw Shen Ye behind her, he seemed to understand something and sneered.

He said to Wen Qingqing: "Go and wait for me in the car." Wen Qingqing bit her lip and obediently went downstairs.

Zhao Xu walked over to Shen Ye and said with a smug smile: "What? Isn't it uncomfortable to see her crying? ”

Shen Ye was silent.

Zhao Xu patted him by the collar, "Do you think that if you win the fight, you will win?" Actually, I couldn't swallow this breath, but I sympathize with you two like this, so our matter is written off. ”

Shen Ye said coldly: "What is a write-off? You want to beat people yourself, and if you lose, it's all your own fault. ”

"Say whatever you want, classmate Shen Ye, let's be a classmate, now I'm going to be with Qingqing, do you want to congratulate me."

Shen Ye didn't say a word.

“ok！” Zhao Xu waved his hand, "I don't care if you don't congratulate me, I want to ask you, you usually have such a good relationship with Qingqing, have you ever seen her sexy figure?" Ha ha...... Needless to say, I haven't seen this expression of yours, do you want to see it? Actually, I haven't seen it either, but I'm going to see it soon, so I'll take a video of her on the day I have sex with her, so you can see how she was begged for mercy by me. ”

"Shut up!" Shen Ye's fists clenched loudly.

"You've got a weird look on your face." He smiled dryly, "Shen Ye, I actually admire you a lot, in this school, you are the first person who dares to go against me, Qingqing is also rare to appreciate a boy, you are also the first, and you became a poem in seven steps that day, although it is to laugh at me, I admit that you are talented." But so what? This is an era of fighting for dads, if you also have a dad with a net worth of hundreds of millions, it is not me but you who enjoy Qingqing's body. But do you have one? ”

"Isn't it honorable to spend your father's money?"

"Wrong, it's not glorious at all, I know what people say about me behind my back, saying that I am a rich second generation, saying that I will only use the family's money and have no ability to fart. But they can only say that as long as I take out the money, they will still work for me, and those girls will still cry and shout for me to her. So I understand a truth, you don't care how your money comes from, as long as you have it, you are the boss, such as Qingqing, usually arrogant or something, but now I don't want her to stand up, I want her to lie down and lie down. ”

He patted Shen Ye on the shoulder: "Okay, I have to accompany my fiancée to dinner, you are here to mourn for your love." ”

Shen Ye's eyes were almost bursting with fire, he slowly took out his mobile phone, was silent for a long time, and finally made up his mind and pressed Chen Weisong's phone.

"Mr. Chen, I have something I want to talk to you about."

Half an hour later, in the office of the president of Jinyue Bank, Chen Weisong looked at Shen Ye with a little unease, and Shen Ye smiled: "Don't worry, I'm not here to withdraw money, I want to inquire about some news." ”

Chen Weisong smiled: "I didn't mean that, what do you want to know?" ”

"Has Mr. Chen heard of the Zhao family?"

"Do you mean Zhao Renxuan?"

"I don't know what the name of the Zhao family's parents is, but I know that the Zhao family's name is Zhao Xu."

"That's it, Zhao Xu is Zhao Renxuan's only son, I heard that he is a playboy, how can Mr. Shen be interested in learning about the Zhao family?"

"Nothing, just a little interest in his family business, do you know what they do?"

"They are mainly engaged in stock allocation, and have had some loan business with our bank, it is said that Zhao Renxuan was engaged in real estate in the early days, and changed his career with the development of online finance."

"Is the Zhao family very rich?"

"Sort of, but in terms of the level of this city, it can only be regarded as a second-tier rich, and the Zhao family's assets are about 300 or 400 million RmB. However, they have a good relationship with some trust funds, and most of the funds used to engage in stock allocation leverage are provided by these foundations, and the Zhao family can raise nearly one billion yuan when necessary. ”

"How many times is the leverage they provide?"

"It's usually five times, and if you meet some rich people who want to play the thrill, it can also reach seven to ten times. I heard that a few years ago Zhao Renxuan was not very good, but in the past two years, the A-share bottom has risen, so the business of stock allocation is also booming, and this year it has also been financed with us, it is said that recently I want to go to the online loan industry, I got the news that they and the Wen family, who is engaged in online lending, are planning to establish a marriage relationship, and it is estimated that they will inject capital into the online loan capital market. ”

"I've heard about that, too. I also heard that the Wen family had an accident recently. ”

Chen Weisong said with a smile: "This is a well-known thing, only blame Wen Guohou for being too good and happy, everyone knows that the most important thing in online lending is to do a good job in risk control, but he financed such a large amount of money and didn't even hold a loan review meeting, and lent money to others only on the basis of personal relationships. ”

"Is the Wen family's online loan platform still operating?"

"It's not stopped, after all, people are already panicking, if he still closes the station, won't he be blocked at the door of the house to ask for money?" Chen Weisong said as he opened the Wen family's Tianhua loan website on his desk computer, "You see, they are still bidding." ”

Shen Ye couldn't help frowning when he came over to see it, Chen Weisong looked at his face and said with a smile: "You also see that something is wrong, right?" They are all short bids such as January and March bids, and the annual interest rate given is nearly 3o%, which shows that Tianhua Loan is taking a high risk to circle money in the online loan market, and it must be this incident that has made them fall into a vicious circle of borrowing new accounts to repay old debts. ”

Shen Ye sighed: "This is obviously drinking doves to quench thirst." ”

"yes." Chen Weisong said regretfully: "In fact, Wen Guohou is a person who wants to develop a pure online loan business, since the opening of Tianhua Loan, he has never seen him build a capital pool and has no self-financing, and he has repeatedly wanted to find our bank for fund custody, but considering that the reputation of the online loan industry is too bad, and the relevant management policies are unclear, the bank has not agreed." It's a pity to be like this now. ”

Shen Ye asked: "How much money does the Wen family owe to online investors right now?" ”

"The specifics are not clear, but according to their scalar volume, the previous ones were all from June to a year, and the amount was often several million, and I estimate that the principal and interest will not be less than 300 million."

"With so much money, will the Zhao family go bankrupt to support them? Didn't you say that the Zhao family only had assets of three or four hundred million? ”

"The Zhao family's business is good now, and the A-share market has allowed them to only get in and out, and they don't dare to say it for a long time, and it's okay to draw two or three hundred million yuan from the capital pool to help the Wen family."

"In other words, the Zhao family's money to support the Wen family is not their own money?"

Chen Weisong said with a smile: "Who can really draw out hundreds of millions of cash immediately in these years?" Even if our bank doesn't have to roll money? Everybody is playing the numbers game. Of course, this is an exception for you, and you are not afraid to sue you, there are not many people like you who have so much cash in the bank. ”

Shen Ye thought for a while, "Mr. Chen, do you think there is a prospect for capital injection in the online loan industry now?" ”

"It's not good to say, if it weren't for self-financing and pure online loans, I wouldn't be able to make too much money." Chen Weisong said with regret: "In fact, the most important thing about the rapid development of online loans in China is that Chinese are too insecure, and they always feel that they can rest assured that they have more money in hand." If you look at these online lending, how many of them really understand the deep level of knowledge of the financial industry? How many have mastered a complete risk control mechanism? Without a decent financing project in hand, he ventured into the Internet to make money, and finally got a lot of debts and ended up in disrepute, alas......"

Shen Ye said: "What if I want to inject the Wen family's Tianhua loan?" ”

Chen Weisong was stunned for a moment, "Are you kidding?" Do you know what the situation is with Tianhua Loan? ”

"I know, I'm wondering why the Zhao family would want to inject capital into Tianhua Loan, just because the Wen family is willing to marry their daughter to his son?"

Chen Weisong smiled, "In business, Zhao Renxuan certainly loves his son, but it is impossible to say that he threw out hundreds of millions of dollars for his son just to find a daughter-in-law." As the saying goes, a skinny camel is bigger than a horse, no matter what, the platform that the Wen family has been operating for many years still has a bit of appeal, after all, the Zhao family's stock allocation business only relies on trust funds or there is a risk of breaking the capital chain. ”

"But the risk of losing money is still very high?"

"Then it's none of his business, the legal representative of Tianhua Loan is Wen Guohou, if the Zhao family messes up one day, investors will not come to Zhao Renxuan to ask for money. Wen Guohou himself didn't know this truth, but now he was in a hurry to go to the doctor, knowing that the risk was high, he couldn't take care of it, so he just wanted to hold on to the platform first. ”

Chen Weisong kindly persuaded: "Mr. Shen, I think you may be a little tempted to see that the online loan industry has been booming recently. I have to remind you that you have so much money that you can directly engage in business, and now that the financial market, especially the Internet financial market, is turbulent, and it is not a good time to enter the market. Not to mention the Wenjia platform, although it is easy to support them with your amount of funds, but there is no money to be made, even if Tianhua Loan resumes operation and makes up for your investment, but the profit difference that has been paid to investors does not know what year and month it will take to make up, especially the existing Tianhua Loan has such a high interest rate, which is 3o%, plus operating costs and financial losses, just simply calculate it - if you smash 100 million now, if there is no investment project with an annual interest rate of more than 4o%, this 100 million will be lost in less than three years. ”

Shen Ye thought for a while, "I'm sorry Mr. Chen, I'll go to and from the bathroom." ”

He called Long Jing under the pretext of going to the bathroom, "Long Jing, I want to contact Aunt Mei." ”

Long Jing reported a number, Shen Ye contacted Ye Mei, Ye Mei said: "Xiao Ye, I haven't seen you call for more than a month?" ”

"I was planning to see you in a few days, but I have something to ask today."

"What's the matter?"

"I want to ask you, a platform that plays stock allocation, with a leverage of 5 to 1o times, and now takes out 300 or 400 million yuan to inject capital into an online loan platform that has a debt of 300 million, how can he ensure that he makes money? By the way, this platform has been in operation for four years and has a certain influence in the industry. ”

"It's commonly known as 'playing the horizontal bar'." Ye Mei said without thinking: "What the allocation party wants is not the funds of this platform, but her reputation." Using the deficit psychology of some investors, injecting capital into a platform that is about to collapse to support him and then promising higher profits, attracting a large amount of money to engage in a high-risk investment project. ”

"But if the money is lost, isn't the allocator responsible?"

"You said that the platform is in debt of 300 million, and at this time, no matter how harsh the conditions offered by the allocation party, he can only accept it, such as asking for risk sharing when investing in the project, or even not taking risks, but the platform party can only agree to take the risk in order to tide over the difficulties." After Ye Mei finished speaking, she asked, "Xiao Ye, is this your school's homework for finance subjects?" ”

"Uh...... Oh, yes. Aunt Mei, what should I do if I am an online lender in this case? ”

"There's really nothing he can do unless he can find a better investment partner or get a low-interest loan from a bank – but it can't be, the bank won't risk lending money to a platform with debt."

"Is there any other way?"

"There is also a matter of luck, for example, a guy who has a lot of money and a lot of stupidity just votes for a long bid on the platform at this time, so that the platform has funds to buffer for a while."

Shen Ye clenched the microphone tightly, nodded and said, "Thank you, Aunt Mei, I have the answer." ”

Ending the call with Ye Mei, Shen Ye returned to Chen Weisong's office, "Mr. Chen, I want to ask you for a favor......

Chen Weisong's eyes flickered sharply when he heard his words, "Mr. Shen, you are very suspenseful in doing this." ”

"I know, please inform my financial advisor at your bank and do as I say."

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