"When I was investigating Li Haijun's suspected 'financial fraud' case and subpoenaing Li Haijun, I learned that the Bentley that this guy drove back then was rented from a car rental company with almost all of his savings at the time. He wanted to go back in such a hurry because the rent was too expensive and he couldn't afford it."
"He drives a Bentley and is an entrepreneur introduced by the deputy mayor. Are banks willing to cooperate with such a person and lend him money? Li Haijun established relationships with major state-owned banks within just a few days in Qinghe. . The funding problem was solved, but Li Haijun was a complete layman when it came to agriculture. But this did not trouble him. He obtained a list of deregistered agriculture-related enterprises from the Qinghe Industrial and Commercial Institution, and then communicated with the owners of these enterprises Contact, trying to find a like-minded person with him, and he actually found such a person."
"The man's name is Wen Zhong. He took over a seed company from his parents. Later, it failed due to poor management. Wen Zhong is from Qinghe. He not only knows Qinghe, but also has a thorough understanding of Qinghe's agriculture."
"Wen Zhong not only brought a lot of help in business, but also helped Li Haijun a lot in loan guarantees. Although Li Haijun smoothed the relationship with major banks in Qinghe in just a few days, he still took out loans with real swords and guns. During the process, the banks were not really stupid. Li Haijun’s mere words would never work. Each bank opened a green channel to Li Haidong, but required him to put up assets as collateral."
"Li Haijun has a lot of assets, but Wen Zhong does. Wen Zhong became the major shareholder of Genesis by investing land in his name. Of course, there are only two shareholders of Genesis, and the other one is Li Haijun. Li Haijun is also a legal person. represent."
"After all, Wen Zhong is not a landlord. He doesn't have much land, and the loans he can get from using the land in his name as mortgage are limited. But Li Haijun is not an ordinary person. Although the land acquired by the local people with a small amount of bank loans is small, it has created momentum. It makes people think there is a big boss behind 'Genesis'."
"Then, Li Haijun immediately took the opportunity to offer high interest rates for private financing. At first, people had a wait-and-see mentality, and no one dared to invest money. After all, there is no cost and no responsibility for watching and spreading rumors, but it really costs them real money Taking the silver one out of your pocket is another matter."
"But human nature can't help but be tested. It's like a cat with a fish in front of it. How long can the cat persist in looking at the fish and being indifferent? So, it didn't take long for someone to try to invest a small amount of money in 'Genesis'. It’s meaningless, the first person to eat the crab gets high returns on schedule.”
"Once there is the first thing like this, there will be countless others in the future. Soon, Li Haijun had his first pot of gold. Then he continued to enclose land with the funds obtained from financing, and then used the land as collateral Continue to borrow money, and then use the bank's interest-free or low-interest loans to repay private high-interest loans."
"After repeating this, Li Haijun's private financing grew like a snowball, and the land owned by 'Genesis' soon reached 5,000 acres. A large number of agricultural development projects such as 'Qinghe Villa', Camellia Oil Mountain, and leisure and tourist resorts They are also born one after another.”
"As for the whereabouts of the funds raised by Li Haijun from the private sector, the answer is simple. It is either used to acquire land or to repay the principal and interest of banks or customers. We have checked the accounts of Genesis, the funds borrowed from the private sector and the funds borrowed from banks. The amount of the loan, plus the various incomes, the amount of land enclosed, the original repayment intention, and the total expenditure of each project under construction can basically be matched.”
"The reason why everyone is questioning the whereabouts of Li Haijun's funds is because no one thought that this kid was doing business without capital. He built a dilapidated house like 'Genesis' out of nothing, and relied on The technique of tearing down the western wall and repairing the western wall is used to maintain such a dilapidated building with air leakage from all sides and crumbling. This is beyond the thinking and understanding of normal people."
"Private lending and bank lending complement each other. This is a common model for the survival and development of enterprises. But when Li Haijun first entered the shopping mall, he was a layman. On the one hand, he punched the old master to death. He was barefoot and not afraid of wearing shoes. In financing On the other hand, they are focusing on financing expansion and ignoring output and balance of payments."
"The reason why some of the agricultural development projects under construction under 'Genesis' were suddenly suspended is because their financing speed could not keep up with the speed of expansion and expenditure. In other words, the expenditure was greater than the income, and the capital chain suddenly broke. This is why he concentrated on financing. , only focusing on the consequences of expansion.”
"In fact, it is only a matter of time before such consequences occur. The interest rate on private loans is too high, the output of agricultural projects is slow, and it does not have a strong financial foundation. It is inevitable that the capital chain will break."
"Looking at the rise and decline of Li Haijun and 'Genesis', it is not difficult to see that Li Haijun never deceived anyone from beginning to end. Although he appeared in a Bentley, he never said that he was young and successful or a rich second generation , those who have this understanding are the teams that Vice Mayor Zhang brought to the coastal areas to attract investment; he is the big boss of private enterprises introduced by Vice Mayor Zhang, and those who have this idea are the major banks; 'Genesis' has strong capital, The people who have backers in this city and have this idea are the people who invested in him. He used all the financing money for project development and principal and interest repayment. There is no evidence that he is engaging in 'financial fraud'. At best, it can only be said that he He is a rookie in the business circle, he has no experience and does not understand business, or in other words, he is ignorant and fearless."
Peng Liang spat and said a lot.
"It's impossible that Li Haijun didn't get any news shortly before the new industrial park construction plan was announced. Why did he run away?" Li Zhudao asked.
"You really asked the right person about this question. I also handled the case of Li Haijun suspected of 'financial fraud'. I know him better, so I know the reason. A layman only sees the excitement, and an expert looks at the door. The layman only thinks that Li Haijun is the real person." In order to avoid paying bills, only those in the know will know that there is something fishy going on.”
Peng Liang took a sip of tea, but then changed the subject very quickly: "Who do you think Qu Lulu is?"
Li Zhudao thought for a while and said, "It's hard to say, that woman gave me a very unusual feeling. She doesn't look like... she just lost her husband."
Peng Liang nodded and said: "There was someone outside Qu Lulu who built a greening project on Li Haijun's head. After Li Haijun found out, he decided to leave Qinghe in anger. He came to Qinghe with nothing, and finally left with nothing, which can be regarded as playing in the world. A trip. So before leaving Qinghe, he declared 'Genesis' bankrupt and handed over all the land under 'Genesis' to the court. It was also an explanation to the account holders of 'Genesis'. But he later came out The car accident was something no one expected."
This should be the reason why Li Haijun wanted to do a paternity test for Xiaochen. It's no wonder that Qu Lulu looked unhappy when faced with Li Zhudao's question.
"Li Haijun called me before leaving Qinghe and asked me if I had restricted his travel. The investigation against him had just ended at that time. He thought he was restricted from traveling, so he made such a phone call. The so-called investigation at that time, In fact, it was to interrogate him for questioning. As I said before, his matter did not constitute fraud, so no case was filed. On the phone, he said that he did not want to do it anymore and wanted to leave Qinghe. He also said that he was afraid that our public security organs would target him. He had a misunderstanding, so he explained clearly to us the reason for leaving Qinghe and his intention to declare Genesis bankrupt before leaving."
"It is entirely his personal freedom to leave Qinghe, and we have no reason not to allow it."
Li Zhudao smiled and said nothing.
Peng Liang refilled the water cup on the table and said: "You may think that Li Haijun is a bit fussy, immature, or even too affectionate, and does not look like a person who does big things. But in my opinion, Li Haijun is a person who is doing big things." But his skill is extremely clever."
"On the one hand, I have said before that Genesis has insufficient congenital conditions and no foundation in capital. The agricultural projects it operates have large investment and slow return on output. If it relies on various financing channels to establish and develop, it will inevitably fail. Li Haijun chose to step aside at this time and took advantage of the opportunity of the planning and construction of the new industrial park to repay the principal of the account holders of all parties with the compensation money received from the upcoming expropriation of the land. This minimized the losses of all parties. At the same time, , and only if he ran away from Qinghe in the name of 'running away' and left behind such a mess, would the account holders of all parties accept the repayment method that can only get back the principal."
"People are like this. When the accountant suddenly runs away, the account owner will naturally worry that he will not get back a cent of his funds. At this time, if someone tells him that he will only repay the principal, then he will definitely accept it with satisfaction. If the accountant is still there, but I tell him to only repay the principal, can the accountant agree?"
"On the other hand, Qu Lulu's cheating partner was Wen Zhong. One was his wife, and the other was a business partner who had helped him a lot. Both of them should be very important people to Li Haijun and they both betrayed him. They got it together. How will Li Haijun live in Qinghe? Therefore, his departure is inevitable. "
Xiao Wu yawned and looked extremely tired.
Li Zhudao was silent for a long time and found nothing suspicious about it. On the occasion of parting, Xiang Pengliang got Wen Zhong's residential address.
Accompanied by Lu Kai, a group of three people came to a private house on the edge of the city.
The weather is a bit gloomy.
Looking from a distance, a country house is surrounded by lush trees. The black roof and white walls protrude from the treetops. It is a scene like a landscape painting, but it looks a bit eerie.
A winding path leads through the woods, connecting the house to the road outside the woods. There was a thick layer of leaves on the path. Walking further inside, there was no other sound except the sound of leaves being trampled out on the ground.
