"When I was investigating the case of Li Haijun's suspected 'financial fraud' and summoning Li Haijun, I learned that the Bentley that this kid drove back then was rented from a car rental company by him with almost all of his savings at that time. He was in such a hurry to go back because the rent was too expensive and he couldn't afford it. ”

"I drive a Bentley, and I am an entrepreneur introduced by the deputy mayor. Is the bank very happy to cooperate with such a person and lend money to him? In just a few days in Qinghe, Li Haijun was able to establish relations with major state-owned banks. The problem of funds has been solved, but when it comes to agriculture, Li Haijun is a complete layman. But this did not bother him, he obtained a list of agriculture-related enterprises that had been deregistered from the Qinghe Industrial and Commercial Organization, and then contacted the owners of these enterprises, trying to find a like-minded person among them, and he actually found such a person. ”

The man's name was Wen Zhong, and he took over a seed company from his parents, but it went out of business after it didn't run well. Wen Zhong is a native of Qinghe, not only understands Qinghe, but also knows the agriculture of Qinghe. ”

Wen Zhong not only brought great help in business, but also helped Li Haijun a lot in terms of loan guarantee. Although Li Haijun has dredged up relations with major banks in just a few days in Qinghe, when he really goes through the loan process, the banks are not really stupid, and Li Haijun will never work with just one mouth. Banks have opened green channels to Li Haidong, but require him to take out assets as collateral. ”

"Li Haijun has a fart asset, but Wen Zhong has it. Wen Zhong became the majority shareholder of 'Genesis' by investing in the land under his name. Of course, there are only two shareholders of 'Genesis', and the other is Li Haijun. Li Haijun is also the legal representative. ”

After all, Wen Zhong is not a landlord, he does not have much land, and the land in his name is limited in loans secured by mortgage. But Li Haijun is not an ordinary person. Although some of the land acquired by the local people with a small bank loan was small, it created a momentum and made people think that there was a big boss behind the 'Genesis'. ”

Then, Li Haijun immediately took the opportunity to raise funds in the private sector at high interest. At first, people had a wait-and-see mentality, and no one dared to invest money. After all, onlookers don't have to pay or be responsible for spreading rumors, but if they really want their real money to be taken out of their pockets, that's another matter. ”

"But human nature cannot help but be tested. For example, if a cat has a fish in front of it, and the cat is indifferent to the fish, how long can the cat last? So, it didn't take long for someone to try to put a small sum of money into Genesis. It makes no sense, the first person to eat crabs got a high return on time. ”

"Once there is the first one, there will be countless of them. Soon, Li Haijun had his first pot of gold. Then he continued to enclose the land with the funds obtained from the financing, and then used the land as collateral to continue the loan, and then used the bank's interest-free or low-interest loans to repay the people's high-interest loans. ”

"After such a repetition, Li Haijun's private financing became bigger and bigger like a snowball, and the land under the 'Genesis' soon reached 5,000 acres." A large number of agricultural development projects such as Qinghe Villa, Tea Oil Mountain, and leisure and sightseeing resorts have also emerged one after another. ”

As for the question of where the funds raised by Li Haijun in the private sector go, the answer is very simple: either they will be used to enclose land, or they will be used to repay the principal and interest of banks or customers. We have checked the accounts of 'Genesis', and the funds borrowed from the private sector and the amount of loans from banks, plus various incomes, the amount of land enclosure, the amount of repayment and the total expenditure of each project under construction, can basically be matched. ”

"The reason why they are all questioning the whereabouts of Li Haijun's funds is because no one expected that the kid was doing a business without capital, and completely relied on the ability to build a dilapidated house like 'Genesis' with an unstable foundation, and relied on the skills of demolishing the west wall to repair the west wall to maintain such a leaky and crumbling dilapidated building. This is beyond the thinking and understanding of normal people. ”

"Private lending and bank lending complement each other, which is a common mode for the survival and development of enterprises. But when Li Haijun first entered the mall, he was a layman. On the one hand, he punched the old master to death, and the barefoot one was not afraid of wearing shoes, and he was racing all the way on the road of financing. On the other hand, it patronizes financing expansion and ignores output and break-even. ”

"Some of Genesis' ongoing agricultural development projects were abruptly halted because they could not raise enough money to expand and spend. In other words, the expenditure is greater than the income, and the capital chain is suddenly broken. This is the evil result of his burying his head in financing and only focusing on expansion. ”

In fact, it is only a matter of time before this evil result appears. The interest rate of private loans is too high, the output of agricultural projects is slow, and it does not have a strong financial foundation, so it is inevitable that the capital chain will be broken. ”

"Looking at the rise and fall of Li Haijun and the 'Genesis', it is not difficult for us to see that Li Haijun has not deceived anyone from beginning to end. Although he appeared in a Bentley, he never said that he was young or a rich second generation, and he knew that the team that Vice Mayor Zhang brought to the coastal area to attract investment; He is the big boss of a private enterprise introduced by Vice Mayor Zhang, and it is the major banks that have this idea; 'Genesis' has a lot of capital and backers in the city, and it is the people who have invested in it who have this idea. He used all the money he raised for project development and repayment of principal and interest. There is no evidence that he is engaged in 'financial fraud', at best, he is a rookie in the business circle, inexperienced, ignorant of business, or fearless of the ignorant. ”

Peng Liang spat and said a lot.

"Shortly before the announcement of the new industrial park construction plan, it is impossible for Li Haijun not to get any news, why did he run away?" Li Zhudao asked.

"You're really asking the right question. I also handled the case of Li Haijun suspected of 'financial fraud', and I know him better, so I know the reason for this. The layman looks at the bustle, and the insider looks at the doorway. The layman only thinks that Li Haijun is to avoid debts, and the insider knows that there is something greasy in this. ”

Peng Liang took a sip of tea, but changed the topic very jumpingly: "Who do you think Qu Lulu is?" ”

Li Zhudao thought for a while and said, "It's hard to say, that woman doesn't give me a simple feeling." She doesn't look like a ...... before losing her husband. ”

Peng nodded and said, "There are people outside Qu Lulu, and they have started a greening project on Li Haijun's head. After Li Haijun found out, he was angry and decided to leave Qinghe. He came to Qinghe with nothing, and left with nothing, which can be regarded as a game in the world. Therefore, before leaving Qinghe, he declared the bankruptcy of 'Genesis' and handed over all the land under 'Genesis' to the court for disposal, which can be regarded as an explanation to the owners of 'Genesis'. It's just that he had a car accident later, which no one expected. ”

This should be the reason why Li Haijun is going to do a paternity test for Xiao Chen. It's no wonder that when faced with Li Zhudao's question, Qu Lulu looked displeased.

"Li Haijun called me before he left Qinghe and asked me if there were any restrictions on his travel. At that time, the investigation of him was over, and he thought that he was restricted from traveling, which is why he had such a phone call. At that time, the so-called investigation was actually an interrogation of him, and as I said earlier, his matter did not constitute fraud, so no case was filed. On the phone, he said that he didn't want to do it anymore and wanted to leave Qinghe, and said that he was afraid that our public security organs would misunderstand him, so he explained to us the reason for leaving Qinghe and the plan to declare the bankruptcy of 'Genesis' before leaving. ”

"Leaving Qinghe, this is completely his personal freedom, and we have no reason not to allow it."

Li Zhudao smiled and didn't say a word.

Peng Liang refilled the cup of tea on the table and said, "You may think that Li Haijun is a bit of a fuss, not mature enough, or even too childlike, not like a person who does big things." But in my opinion, Li Haijun's hand is extremely clever. ”

"On the one hand, as I said before, 'Genesis' is congenitally insufficient, has no foundation in capital, and its agricultural projects have large inputs and slow returns, and they rely on various channels to finance their establishment and development, and they will inevitably die. Li Haijun chose to take a break at this time, taking the opportunity of the planning and construction of the new industrial park, to repay the principal of all parties with the compensation obtained from the imminent expropriation of the land, which minimized the losses of all parties. At the same time, only if he runs away from Qinghe in the name of 'running away' and leaves such a mess, will the account owners of all parties accept the repayment method that can only get the principal back. ”

"People are like that. If the accountant suddenly runs away, the accountant will naturally worry that he will not be able to recover a dime, and if someone tells him that he will only repay the principal, then he will accept it with satisfaction. If the accountant is still there, but tells him to repay only the principal, can the accountant agree? ”

On the other hand, Qu Lulu's cheating partner is Wen Zhong. One is his wife, the other is a business partner who has helped him a lot, and both people who should be very important to Li Haijun betrayed him and got together. How does this make Li Haijun deal with himself in Qinghe? Therefore, his departure is an inevitability. ”

Xiao Wu yawned, looking extremely tired.

Li Zhudao was silent for a long time, and did not find anything suspicious in it. At the time of parting, Xiang Peng Liang got Wen Zhong's residential address.

Accompanied by Lu Kai, the group of three came to a house on the edge of the city.

The weather was a bit gloomy.

From afar, a country house is surrounded by lush trees. The black-roofed and white-walled trees peek out from the treetops, which is a landscape painting-like scene, but it looks a little gloomy.

A winding path leads through the woods, connecting the houses to the road outside the woods. There is a thick layer of leaves on the path. Further inside, there was no movement except for the sound of leaves being trampled on the ground.