Zheng Wentong asked Xu Ru, "What's the matter, there is no beginning or end to your speech?" ”

Xu Ru sat down, "Like other leading small loan companies this year, China Transcription has launched a second loan business, which does not need to be manually approved, and can be received in seconds through big data and credit reports of the People's Bank of China. ”

"As a result, after this model was launched, China Transcription found that in addition to the normal repayment of the first installment of the loan, there was a large-scale overdue after this group of borrowers, which was an organized fraud against the second loan product."

After the incident, China Transcription immediately suspended the approval of the second loan product. In order to prevent similar incidents from happening again, Transcription is working on stricter application and approval requirements, and plans to launch similar products in a few months. ”

"This is obviously a case of loan fraud with internal and external collusion, and the initial estimate is that the loss is about 50 million yuan, and China Transcription has made a special risk provision of 30 million yuan." Xu Ru said.

On December 11 last year, multiple departments jointly issued the "Guiding Opinions on Promoting the Healthy Development of Internet Finance".

On December 14, regulators and the Internet Finance Association issued the Notice on Strictly Prohibiting Illegal Lending Financial Activities such as "Routine Loans" and "Yin-Yang Contracts".

According to the requirements of the notice, small loan companies, online loan companies and consumer finance companies shall conduct their business in strict accordance with the law, and the annual comprehensive interest rate shall not exceed 24%, shall not sign a yin and yang contract, and shall not charge additional fees outside the contract, the original loan contract must be given to the borrower himself, and the online lending platform must provide an electronic version of the loan contract for the borrower to download.

Under the guidance and notice, China Transcription and other microfinance companies were forced to carry out business transformation ahead of schedule.

China Transcription has begun to stop opening new offline stores and shrink its offline stock business, so it and other companies have coincidentally launched a pure online product, Instant Loan.

However, after all, China Transcription does not have a perfect risk control system like Ant Group, and before this product was launched, it was already targeted by well-intentioned people.

This kind of loan fraud method is very simple, to find a group of debt-free, low-educated middle-aged and elderly people.

This group of people are concentrated between the ages of 30 and 50, married, have housing, have income, and have professional intermediaries to help them disguise their work certificates and other relevant loan application materials.

After the loan is paid, the intermediaries give the borrower a batch of benefit fees, remind the borrower to change the mobile phone number, and then flee with the money. This situation not only happens in China Transcription, but also in other online lending platforms.

Zheng Wentong said to Xu Ru: "I'm sure that although the letter will be sent to the public. Quiet. The authorities reported it, but they would never be kind enough to take the initiative to notify the lender, and the 30 million lent by those investors was likely to be ready to go down the drain. ”

"You can't cover the lid, Mr. Hou still needs me to help him and come up with ideas at this time." Zheng Wentong said.

"You contact Zheng Qingshan here, and ask him to go with me to transcribe the letter, don't go over today, if you tear your face at that time, I'm afraid of scaring you." Zheng Wentong said.

Xu Ruyan smiled, she actually really wanted to see Zheng Wentong tear his face, after all, Zheng Wentong is still very approachable in the company, and after opening the company for a year and a half, he has only had two rounds of fire.

On the afternoon of the 25th, Zheng Wentong and Zheng Qingshan suddenly appeared in the office building of the Chinese transcription, and Hou Hongbo felt very surprised, feeling that Zheng Wentong was menacing and ill-intentioned this time.

Hou Hongbo smiled with a smile on his face, "Mr. Zheng, you are a busy man, you didn't come over before, how can you have the time to come over to check the work today?" ”

"Haha, I reviewed myself here, and I really ignored the Chinese transcription too much. As soon as the front foot of Transcription Commerce increased its capital and became the second largest shareholder of China Transcription, the latter foot of Transcription broke out of loan fraud. If someone hadn't informed me, I'm afraid I would still be kept in the dark by Mr. Hou now! Zheng Wentong's tone was not good.

Hou Hongbo scolded in his heart, Zheng Wentong really had bad intentions, although Transcription Business was a shareholder of Transcription, but he did not arrange for anyone to work in Transcription's workplace.

But since Zheng Wentong moved so quickly, it is obvious that Zheng Wentong has already planted people in the Chinese transcription, keeping an eye on the company's every move, and this person is at least a manager-level executive, and ordinary employees will not know the inside story of this loan fraud.

Hou Hongbo secretly hated in his heart, if this turmoil could be calmed down, he must find out this Erwu boy in the company, repair him well, and beat geese all day long, so that the geese pecked their eyes.

Hou Hongbo was unwilling to tear his face with Zheng Wentong in the workplace, so he invited Zheng Wentong to the conference room for a meeting.

The employees of China Transcription did not know the outcome of the meeting, but the loud quarrel in the conference room was so loud that it was about to affect the employees who were doing telesales outside.

Hou Hongbo held back his anger, "Mr. Zheng, why do you want to be strong? You don't actually consider me, don't you also consider our major shareholder Rongxin Industrial Fund? We are a subsidiary of Rongxin Group! ”

Zheng Wentong leaned back in his chair and was unimpressed by Hou Hongbo's verbal threats, "Are you scared of me?" Also Rongxin Group? ”

"Now you go out and talk to the employees who are calling outside, and ask them to change the opening sentence of the words, we are Zhongxin Transcription, a subsidiary of Rongxin Group, and like Rongxin Bank, we are all subsidiaries of Rongxin Group, and I am not responsible for the 30 million losses you caused to the company, how about it?" Zheng Wentong said.

Hou Hongbo was stunned, Rongxin Industrial Fund has already transferred 18% of its equity to Transcription Commerce, and is already planning to cash out and leave, I can't wait to clear up the relationship between Transcription and Ronshine, how can it be for him?

If telemarketing employees use this kind of illegal opening rhetoric, Hou Hongbo suspects that tomorrow will usher in a closure for rectification.

"Mr. Hou, in the Internet finance industry, you are the senior, and I am the junior. I still remember the first World Internet Conference, and we had a great conversation. Mr. Hou also taught me a lot of management experience in microfinance companies, which benefited me a lot. Zheng Wentong said it sincerely.

"Hahaha, I didn't expect it at the beginning, I just wanted to make an investment in the company, but I didn't expect it to lure the wolf into the house. Now you actually want to turn against the customer and kick me out of this company. Hou Hongbo was extremely angry.

"Mr. Hou, in fact, it is still relatively easy to apply for a small loan license now, and the approval of Internet small loan licenses in Yudu and Jiangxi Province is still relatively large, so it is better for you to take a sum of money and start again." Zheng Wentong said.

"Mr. Zheng, your family has a big business, I believe that with your ability, it is not difficult to go to Jiangxi Province and Chongqing City to apply for a small loan license, why bother me here?" Hou Hongbo tried to soften Zheng's attitude.

"Mr. Hou, you're right. But my purpose is not limited to a small loan license. After I get the small loan license from China Transcription, I can apply for a consumer finance license next year. ”

"If I wait for a small loan license, I still have to operate this small loan company for three years before I can apply for a consumer finance license, the time is too long, I can't wait." Zheng Wentong replied.

"Then you don't need to kick me out, I also want to apply for a consumer finance license here, isn't it good for us to apply for a consumer finance license together next year?" Hou Hongbo tried to speak softly.

"I actually considered jointly applying for a consumer gold license with Mr. Hou, but this involves the question of who we listen to with our two shareholders. I thought about it carefully, Mr. Hou and I are both the kind of characters who are unwilling to be subservient, if you are my deputy, I am afraid that you will one day turn against me. Zheng Wentong said it very bluntly.

"Mr. Hou, don't blame me, you can only blame your company for developing too fast, just according to my estimates, your business income in December this year, just reached the threshold of applying for a consumer finance company license." Zheng Wentong said.

"Then you don't need to rush to pick peaches now, do you?" Hou Hongbo was indignant.

"Originally, I wasn't in such a hurry, after all, it's only the end of April. But who made Mr. Hou dishonest and keep eyebrow-to-eye with Zheng Anguo. ”

"I didn't expect that Zheng Anguo, a guy with thick eyebrows and big eyes, also rebelled. Mr. Hou, are you curious why Zheng Anguo didn't come over today? Qingshan, you and Mr. Hou have also had a few meetings together, and we will solve his doubts. ”

Zheng Qingshan smiled, "That's the case, Zheng Anguo's lover Liang Hongxia is in our Tongji County. Law. The court sued Zheng Anguo for divorce, because he cheated in marriage, and we have removed Zheng Anguo from the position of general manager, and before the dust of the lawsuit settles, there is no way to help Mr. Hou deal with the affairs of Zhongxin. ”

Zheng Wentong stood next to Hou Hongbo, "I arranged manpower in the transcription business, deliberately indulged and even encouraged them to go violent. Force. Urge. Collect, want to pinch my handle? Mr. Hou, my dad stopped playing these routines ten years ago. ”

"The borrowing cycle of a borrower is 36 months, and your transcription is opened in January '14, 0 to 6 months, 6 to 12 months, 12 to 36 months, and the borrower overdue rate in the third stage is the highest."

"The overdue rate of your transcription has increased significantly in the past six months, so the income of transcription business is only getting higher and higher month by month."

"The problem now is that if you don't sell the company to me, then tomorrow there will be a concentrated report in the news media about the fraudulent loan door. The loss of 30 million is actually not a big deal, but if they lose the trust of the lender, they will have to withdraw from the sack of wealth management and leave, if there is a run. I'm afraid it won't take more than a month, and both China Transcription and Sack Financial Management will have to go bankrupt. ”

"Because of Shi Nanxiang, the city has begun to prepare to focus on checking whether Internet finance companies are operating in compliance. The risk problem of sack financial management, you can solve it yourself, I only need this small loan license of Zhongzhixin. Zheng Wentong said.

"But without sack finance, what money do you lend to the borrower?" Hou Hongbo was puzzled.

"I don't have to worry about this aspect, the mountain people have their own clever plans. For Mr. Hou, there is a financial management platform, and if you apply for a small loan license, there is still hope for a comeback, after all, it is better to be familiar than to be cooked. ”

"Mr. Hou, you should think about it and communicate with Rongxin Industry Fund. Don't expect the lion to open his mouth, let alone threaten me that the net will be broken, I can guarantee that if the fish dies, the net will not be broken. ”

"I'm a special thief, I never leave a handle on people, even if there is a problem with the transcription business, it's a big deal that I will kill my relatives and send Zheng Anguo to stay for a few years."

"My patience is limited, I need to go on a business trip on May Day, and I hope to hear the good news that Mr. Hou brought me before I go on a business trip." Zheng Wentong said.

Zheng Wentong left, stood beside Zhou Bo, deputy general manager of China Transcription, and patted Zhou Bo on the shoulder, "I heard that the idea of second loan was put forward by Vice President Zhou?" Sure enough, it's a genius idea, and if the company is reorganized, the new company will need a good talent like you. ”

Hou Hongbo glared at Zhou Bo angrily, and Zhou Bo hurriedly explained, "Why does Mr. Zheng bother to provoke the relationship between me and Mr. Hou at this time? ”

On April 28, a signing ceremony was held in Puhai between Slope Industry Fund and Rongxin Industrial Fund, and Rongxin Industrial Fund transferred 36% of its equity in Zhongzhixin to Slope Investment at one time. Individual shareholders represented by Hou Hongbo also transferred the remaining 34% of the equity to Slope Investment.

The 70% equity was valued at a total of 70 million, and Zheng Wentong agreed that the new company would bear the loss of 30 million in seconds.

On April 30, China Transcription completed the name change in the Industrial and Commercial Bureau and became Puhai Huaxin Microfinance Co., Ltd., and the legal person of the company was Zheng Qingshan.

The registered capital is 300 million yuan, 98.5% of the shares are held by Slope Investment, 1.5% are held by Liang Hongxia, and the registered address is Room 1601, 16th Floor, Pudong Development Building.

The reason why Liang Hongxia holds 1.5% of the shares is because Zheng Anguo previously held 5% of the shares of Transcription Commerce, and Transcription Commerce held 30% of the shares of China Transcription.

Therefore, Zheng Anguo's side should hold 1.5% of the shares of CEFC Small Loan, but Zheng Anguo is the fault party, and this part of the equity was awarded to Liang Hongxia, and Liang Hongxia obtained child custody, so Liang Hongxia holds 1.5% of the shares of CEFC Small Loan.

At the same time, Zheng Wentong cancelled the company of Transcription Commerce, and all the employees of Transcription Commerce were transferred to CEFC Microfinance Co., Ltd.

Zheng Qingshan, as the new general manager of CEFC Micro Loan, immediately notified the following that CEFC Small Loan stores in various places will stop new borrowing, close all offline stores before December 31, 2016, and only retain the non-performing debt disposal office.

The employees of the former telemarketing center of China Transcription were collectively transferred to Huaxin Insurance Brokers Co., Ltd. to engage in insurance telesales. If the employees do not agree to the transfer, then CEFC Microfinance will go through the resignation procedures with these telemarketing employees and pay N+1 compensation.

After a year and a half of layout, the slope department finally got the first financial license, CEFC Small Loan!