In the afternoon, Wan Long, director of the county investment promotion bureau, came with a handbag.

Liu Yu only asked the information to be sent, and didn't let him make an appointment to meet Wan Long, what did he do without permission? Either Wanlong has something to see him, or this chestnut processing factory has another article that he needs to explain in person, or he purely pays tribute to the new county magistrate......

Wanlong was in his early forties, with dark skin and decent manners, after sitting down, he saw that Liu Yu was going to make tea, and hurriedly rushed to brew: "How can you let the county magistrate make tea?" I'll do it. ”

Liu Yu didn't stop it, and said directly: "Since you are here, I won't read the information, you should have a number of projects for this chestnut processing plant, right?" ”

Wan Long nodded affirmatively: "I participated in this project during the consultation last year, and I know a little about it. ”

Understand some, so to speak, this project Wanlong doesn't know all about it? Liu Yu asked: "Since you understand, then I will ask directly, what do you think of this project?" ”

A cold sweat broke out on Wan Long's forehead, how could he answer this? In the end, does the young county magistrate want to hear good or bad things? Is it a lie or is it the truth? There was no conformity in this, and he didn't know how to answer.

Seeing his embarrassment, Liu Yu added: "Well, I want to know the real situation, after all, you have personally participated." ”

Hearing this, Wan Long breathed a sigh of relief, but he was still a little embarrassed, pretended to sort out his thoughts, and thought in his mind for a while before saying: "County magistrate, since you asked so, then I will tell the truth, this project must be problematic." ”

"As far as we know, the chestnut market has been declining in recent years, especially the chestnut processing industry, and the chestnut processing factory in the county has gone bankrupt in the early years. There are fewer and fewer chestnut vendors coming to our county to collect chestnuts. Plainly. This thing is becoming less and less valuable, and now it has basically become a roasted item on the street, and there is rarely commodity packaging on the market, so there is no possibility of making a profit when this factory is built, and it may go bankrupt at any time. ”

Liu Yu's eyes flashed slightly: "This is just speculation, maybe He Xiaodong has mastered new sales channels and sales markets." ”

Wan Long nodded: "Yes, this is just our speculation. But according to what we know about He Xiaodong's personal situation, the problem of this factory is even greater. ”

"We learned that He Xiaodong, a businessman, has invested in building factories in Xiashui City many times, and has invested in the construction of ten factories in ten years."

Investing in factories many times? In this way, He Xiaodong is still an investor with multi-faceted development? If you understand it this way, it is too simplistic. Interlaced like a mountain, what kind of people can easily and easily enter new industries? Not afraid of losing at all? There are only two, one is a diversified group, and there is an old capital. There are sales channels, and they have the qualifications to try to enter new areas. I can't hurt the root even if I suffer a loss, one is...... Swindler!

The scammer here does not refer to a scammer in the general sense of money fraud, but a financial scammer!

"Well, go on, to put it bluntly, it's okay." Liu Yu said.

After Liu Yu's almost heartfelt words, Wan Long's waist straightened up: "After our investigation, we found that these factories eventually went bankrupt, they are not bankrupt due to poor management, nine of the ten factories have just been built, the factory has just been established and filed for bankruptcy, and the last one has been built and put into operation for a period of time, and the benefits are ...... Very good, but a few months later, he suddenly filed for bankruptcy, and that's what happened to him in ten years. ”

Hearing this, Liu Yu probably understood what kind of bird virtue He Xiaodong was, and it seemed that the probability of being a liar was surprisingly high.

Why did all ten factories go bankrupt? Nine of them went bankrupt just after the factory was built? Even, what's even more ridiculous is that the last one is very good, but it turns out to be bankrupt?

The reason is in two words - loans!

Maybe it's not clear enough to say how He Xiaodong cheated money and whose money he cheated, but if you understand the bankruptcy of a company, the repayment procedure and the sequence, it will be very clear.

When an enterprise files for bankruptcy, the relevant departments will liquidate its assets, and after the liquidation is completed, it is the compensation for the debt, that is, the company owes money to which people, and the last property from the liquidation is used to compensate, and the order of compensation is as follows.

First of all, it is to repay the employees in the enterprise, including wages owed to workers, medical subsidies, disability subsidies, pension insurance and so on.

Secondly, after the compensation of the workers is completed, the next repayment procedure begins, that is, the repayment of the tax arrears, and the amount of taxes owed by the enterprise will be used to compensate for the tax arrears with the remaining liquidated assets.

Finally, if the compensation for the first two is satisfied, the remaining property is used to compensate the last party, the creditor! The so-called creditors include not only private loans, but also bank loans!

The above three sequences must not be disrupted, that is, it must be calculated with the workers first, the workers get the money, and then settle the taxes with the state, all of which are clearly calculated, and then calculate the money that should be repaid to those creditors.

It doesn't seem like much of a problem here, but there is a great reality, that is, if the company goes bankrupt, there is absolutely no amount of liquidation assets left, and if the liquidation assets are enough, the company can use it to go bankrupt? This is very, very rare. After the bankruptcy of most companies, the liquidated assets are barely enough to compensate the wages and labor costs of workers, and the better ones will make up the tax arrears, and the better ones will be compensated by creditors.

The actual situation is much worse than the above, and many people who have borrowed money from the bankrupt public will lose all their money once the company declares bankruptcy!

And what are these that borrow money from bankrupt companies? One is the company's internal employees, some companies open the loan channel to internal employees, to ensure that the loan repayment is high interest, generally at least 20%, the interest is very high, many employees will lend money to the company.

One is a friend of the company's legal person, who borrows a part of the money from the friend's company, and also promises high interest rates.

The last one is the bank!

And once bankrupt, the above three people are very likely to lose all their money!

An internal employee may have borrowed money because he thought it was profitable, but once the company went bankrupt, all the money he lent was lost. It has to be mentioned here that the same is true of loan shark companies, some of which will borrow money and finance from small circles of friends, relatives, clans, etc. High interest rates are allowed. Once the loan shark company went bankrupt. Then these friends, relatives, clansmen, etc., will not be able to recover a single cent of the money lent out. Of course, the bankruptcy procedure of a financial company is much stricter than that of an ordinary enterprise, and there are relevant regulations, and more often than not, the financial company is that the capital chain of the loan shark company is broken, and it cannot meet the standard of legal bankruptcy, but the company cannot afford to pay back the money, so it can only run away with the remaining money. Run away, so that the borrower still doesn't get a penny back.

The company's previous loan and bank loan are the same, and if it goes bankrupt, it will not return the money.

Looking at it this way, it is clear that in the form of bankruptcy, the cage of legal fraud appears.

The bankrupt of the company uses the channel to borrow money from all sides, and after borrowing enough money, he hides the property or divides it privately, which is smart. Find a way to make these properties "lost" and "stolen". In this way, this part of the borrowed money escapes liquidation and flows into the private pockets of the bankrupt, and then a large number of creditors compete for the small assets of the shell company, and finally complete a financial fraud.

Fraud is a moral statement, and legally, this kind of behavior is not characterized, in other words, it is a legal fraud! As long as you have the ability to borrow a lot of money, go bankrupt smoothly, and effectively hide most of the company's assets, then you can legally defraud a huge amount of money without breaking the law.

What the law can do in this regard is to find out through the investigation that the property that has been hidden, privately divided, as well as "stolen" and "lost", and then compensate the person in need of compensation.

It can be said that this method has low risk and high profits, provided that the network is wide enough and the ability is big enough, and if you meet these requirements, you will be able to laugh at finance, do nothing, and easily defraud a lot of money.

Among the above three parties, the biggest wrongdoer is undoubtedly the bank, whether it is the internal staff or the company's loan, the amount will not be too large, the most important is the loan from the bank.

Many people with good hands and eyes like to play this game, borrowing large loans from banks, playing a shell company, declaring bankruptcy, putting loans into their pockets in advance, and successfully taking huge loans, easily and effortlessly.

So, who bears the burden in the end? It's the bank, and who's going further? It's the depositors, it's the people! As a bank, they have a special estimate and calculation of the bad debt rate, the bank itself will not bear the bad debt, they will flatten the bad debt to the depositor, by adjusting various management costs, loan interest, transaction costs, etc., which is tantamount to making the people wronged in disguise, to meet the ambitions and money bags of those financial fraudsters.

He Xiaodong is such a person, using his connections to build a factory in the local area, his factory, as an investor, generally speaking, the land is not needed in the first few years, the land money is saved, and the construction of a factory is a pile of cement, which does not cost a few dollars, and he can often get a loan from the local government through the bank, and then He Xiaodong went bankrupt, the loan came into his hands, patted his ass and left, leaving a cement factory.

He only invested in the cement wall of the factory, in addition, he will also share some people's profits, after all, to play the whole process, no one to help is impossible, he invested very little, but the harvest is ten times, a hundred times or even a thousand times! There are many, many bloodsuckers like He Xiaodong who don't work hard in China, and they are so deeply hidden that ordinary people are not aware of their existence at all.

Knowing this, Liu Yu can affirm that He Xiaodong is such a liar, He Xiaodong emphasized that he hopes the government can help with loans.

Liu Yu looked at the tea leaves swirling on the surface of the water waves in the cup, and was slightly distracted, hey, finally someone took the initiative to invest, but in the end, he was a liar. Is it so difficult to engage in the economy?

"Well, if He Xiaodong comes again, you come to receive him, what should I do, we are poor, we can't afford to raise a crocodile like him." Liu Yu said coldly.

Wan Long nodded happily: "I understand." Wan Long still didn't say some things, compared to how Xiaodong was actually introduced by the previous county magistrate, what virtue He Xiaodong had, what he was doing in Hualuo, everyone knew it, but because of the county magistrate, he didn't dare to say anything.

Now that the county magistrate has changed, Wan Long dares to tell the truth, and he is not afraid of offending anyone, He Xiaodong, who has lost the former county magistrate, can he still turn over the flowers?

"In the future, Hualuo will rely on you to attract investment." Liu Yu said, wanting to test whether Wanlong had anything else to do.

Sure enough, when Wan Long heard this, he smiled and said: "This is where our accusation lies, of course we will do our best." ”

"If you have any problems, you can report them to me." Liu Yu said. Since the importance of the economy. He asked more than necessary.

Hear the words. Wanlong was overjoyed that he could report directly to Liu Yu, which meant that he could look at one person's face less, and it also meant that he could often show his face in front of the leader.

"Yes, thank you for the county magistrate's concern for the investment comrades." Wan Long said: "Speaking of which, there is still something I want to report to the county magistrate today. ”

Sure enough, there is something, Liu Yu bowed his head: "Say." ”

"Here's the thing." Wan Long rubbed his hands and said, "Recently, an investor is looking for a scenic spot in Jiangli Province and is ready to invest. Many counties are approaching this investor, hoping to bring tourism projects into their own counties, which is good for the local economy. ”

Tours? Liu Yu's eyes lit up, compared with traditional business, tourism projects, the emerging tertiary industry in recent years, more and more attention by local governments, for no other reason, tourism projects have no environmental pollution, and second, they can bring foreign traffic and bring economic benefits to catering, hotels, specialties, etc. It is a pure service industry, and the third lasts for a long time. After the tourism project matures, it will become more and more popular for a long time, and the stronger the economic benefits.

Any government is keen to engage in tourism projects, but unfortunately, there are no good advantages, and some local governments can only wait and see.

"We have better tourism resources in Hualuo?" Liu Yu asked.

Wan Long was stunned, obviously Liu Yu was more interested than he imagined, he didn't prepare in advance, he couldn't answer, what about Hualuo's tourism resources, his eyes were dark. Leng Buding, he thought that he had a similar project in his hand in the past, and he was also an investor looking for a tourism investment project, and he had personally come to Hualuo County, inspected the field, and found two investment points, but unfortunately the businessman did not negotiate with the county and left.

At the moment, Wanlong might as well come up with it and say: "In terms of tourism resources, the scenic area can be considered for development, we have a natural scenic spot in Mingchang Town, called Tiantai Mountain, by the way, there is also a rafting project that can also be developed." ”

How about Tiantai Mountain, Liu Yu has not seen it with his own eyes and does not understand, but the rafting project, if it is done, it should be good, there is no rafting project in the whole province of Jiangli Province, and there is no region that can achieve such conditions, this has a head.

"In this way, you go down and arrange, and a few people from China Merchants will follow the team for a field trip tomorrow morning." Liu Yu commanded.

Wan Long secretly rejoiced, a county magistrate can personally inquire about a project, and bring relevant officials to visit the site, how rare it is, needless to say, said yes at the moment, and then resigned.

After he left, Liu Yu thought about it for a while, and asked Han Shuixing to notify the county tourism bureau, and he would accompany him when the time came.

Han Shuixing proposed to use a large convoy, but Liu Yu denied it, their trip was just to inspect the project, and they were not really going to travel, so it was best to travel lightly.

The next day, accompanied by Liu Yu, Wan Long, director of the China Merchants Bureau, and two deputy directors, Xiang Xiaofang, director of the Tourism Bureau, and a deputy director, and Cai Li, secretary of the Mingchang Town Party Committee, rushed to Tiantai Mountain.

This is the third time since Liu Yu took office that he has been to Mingchang Town in January, Cai Li, secretary of the Mingchang Town Party Committee, and Liu Yu can remember what they look like. Regarding Liu Yu's frequent comings and goings to Mingchang Town, Cai Li wants to say that he has no idea, it is false, and once the county magistrate comes, he has to mobilize the party members of the whole town once, do a good job of ventilation, what should be said, what should not be said, have a spectrum in his heart, don't show his feet in front of the county magistrate.

The first two times Liu Yu arrived, Cai Li was still uncomfortable, but this time, Cai Li used to suck. I arrange the strength of the milk. I heard that the county magistrate attaches more importance to the tourism project of Mingchang Town, Cai Li's mind is lively, relying on the Mingchang Town Government alone, it is very difficult to win a tourism project, at least the county or even the city to help, Liu Yu can pay attention to it, why is he unhappy?

The altitude of Tiantai Mountain is more than 800 meters, for a plain area like Jiangli Province, the altitude of more than 800 meters is quite high.

In winter, it is only a little rain under the mountain, but there is already goose feather snow on it, when the air conditioner is turned on in the summer under the mountain, the summer on the mountain needs to cover the quilt at night, in addition, there are many wild animals on the mountain, the wild goats and wild deer that are extinct in the whole county, but they can be seen here occasionally, some outsiders, specially run Tiantai Mountain to catch snakes and sell, in short, the ecological environment is very different from the mountain.

"It's a treasure." On the mountain, Liu Yu keenly felt that the climate here has indeed changed compared to the following, a large area of unmined forest remains pristine, among which you can see a lot of wild and rare plants, and occasionally you can run a hare from the middle of the road, the air here is quite fresh, plus the air humidity is greater than that under the mountain, the same sun, the temperature here is obviously lower, in this health, than in some sanatoriums I don't know how much.

Liu Yu suddenly came up with the idea of building a sanatorium on Tiantai Mountain, and such a fresh environment should attract many people.

The mountain road of Tiantai Mountain is a spiral road, winding upwards like a snake, all cement roads, and the villages are repaired from time to time, which saves Liu Yu a lot of heart, otherwise even if the project is pulled, just repairing this road is enough for the county government to go bankrupt.

When the car reached the top of the mountain, Liu Yu was already sitting dizzy, there were too many turns, and then looking at the few people who followed, there were also some people who were sick and felt slightly uncomfortable.

"Is this the Scenic Development Zone?" Liu Yu stood at the foot of a flat mountain and looked up. Under his feet is the end of the cement road, here is only a steep mountain, more than 100 meters high, the mountain road is stepped out by the mountain people who pick tea, very narrow and tortuous, standing at the foot of the mountain to look at, the mountain trees are verdant, the strange rocks are craggy, the mountain peaks are steep, and even better, there is an ancient Buddhist temple standing on the top of the highest mountain.

"That is Qingfeng Temple, it is said that it was built in the last years of the Qing Dynasty, it was abandoned for decades in the middle, and after the Cultural Revolution, there were monks to rebuild, until today, the presiding officer of the temple is called Huikong, it is the first generation of monks after the establishment of the temple, and it is also the only one built in that generation of monks." Cai Li tried his best to explain and was willing to be a tour guide.

Sorayama Ancient Temple? Liu Yu smiled, the artistic conception is there, the scenery is good, the road is also open, and what is lacking is the culture that a scenic spot should have. (To be continued......)