Chapter 1018

Chapter 1018

After dinner and sending Xiao Nan back, Nan Yi received a call from Liu Zhen.

"Nanyi, do you know Feng Qiuping?"

Nanyi thought for a while, and made sure that there was no one named Feng Qiuping among the people he knew.

"Why don't I remember knowing such a person?"

"You don't know it, but you should know that in 1988, you learned to knit with me." Liu Zhen said mysteriously.

"Knitting... I remember, you mean the Feng Qiuping who said 'Feng Qiuping wool crochet'?"

"Yes, that's her."

Nan Yi covered the microphone, asked Chen Wenqin to pour a glass of water, and said again: "You didn't call to discuss knitting with me, did you?"

"Do you still remember Hengyuanxiang's stock?"

"Didn't the stock of Heng Yuan Xiang be given to you?"

Nanyi once bought the first stock issued after liberation at an antique booth in Shanghai, that is, Hengyuanxiang stock. When Liu Zhen was part-time an inspector of the Shanghai Stock Exchange, he had already given it to the other party.

"Oh, by the way, with me, you still remember..."

"Old husband and wife, if you have something to say, let's talk about it. Our relationship is here. Even if you pull your pants, I will wash your pants." Nanyi didn't want to listen to Liu Zhen's circle, so he said directly.

As soon as Nan Yi said this, Liu Zhen said directly: "As for Lin Tiao, she helped someone else operate a loan. The specifics are like this. If a person who needs a loan finds her, she doesn't need to use the bank's credit line. , the lender has already contacted the investor. The investor deposits the money in the bank, and the bank then directs the investor’s funds to the lender.”

"I understand. Is it because the loan can't be collected?"

The model Liu Zhen mentioned is called "hand-in-hand loan". Nanyi is not sure if this name has already been born, but this mode of operation has appeared in the past two years.

If the lender can repay the loan on time, this is a win-win deal - the "investor" deposits the company's idle funds in the designated bank, and the company normally gets the bank deposit interest, and the "investor" himself can get money from the lender. Get a high interest rate, and generally beheaded interest.

"Someone" in the bank can complete both a huge amount of deposit business and a loan business. Secondly, he may probably pick up a passbook or a briefcase, or it may be a sack, and more than one mouthful.

For lenders, if they do this kind of operation, either there is a big benefit ahead, or they are at the critical point of life and death. If there is no funds to continue their life, they will die. Therefore, the interest is not important. As long as they overcome the difficulties in front of them, the road ahead will be smooth.

Of course, this is the most ideal state, and the probability is not high. In fact, lenders often have made up their minds before taking such an operation-I can die, but they must pull a bunch of backs.

"The loan is not yet due, but there is a high possibility that it will not be recovered."

Nan Yi frowned, "How much?"

"The 50 million received by Lin Tiao, a total of 500 million 6, involved more than 200 companies."

"Tsk tsk, it's really a stick. After all, it's a bank. It's all rich people. It's scary to death."

"Don't make sarcastic remarks. If this matter is not handled properly, Lin Tiao will be finished."

Nan Yiman said nonchalantly: "It's over, it's over, you've been leading her for so many years, and your eyelids are so shallow, is she short of money?"

"It's not money, it's an inescapable relationship." Liu Zhen explained softly, "Lin Tiao is not me, so I can't be so detached."

"etc."

Nanyi put down the phone, took a sip of water from the cup, then stroked the cup, and weighed it in his mind. After about three minutes, Fu picked up the phone again and said, "Your attitude."

"Fourteen years, love and sisters."

"understood."

The next day, at 5:30 in the afternoon, Nan Yi was sitting in the private area on the second floor of the "Dream Time" cafe, and Lin Tiao stood anxiously opposite him.

Nanyi looked at Lin Tiao, and hated iron and steel in his heart, "I know, I don't blame you for what happened this time, but the university you went to. Go to the Lanqiao (Prison). You also want to learn from Liu Zhen to get a master’s degree or a doctorate degree.

But with so many universities across the country, why do you choose to take the exam at the branch campus of your alma mater? Are you deeply attached to your alma mater? Or do you feel that your self-control ability is too poor and you need someone to supervise you in order to study hard? Or, do you want to change the greeting to 'report to the government' instead of asking if you have eaten when you meet someone in the future? "

Nanyi's voice was not loud and his tone was not harsh, but it still made Lin Tiao feel like falling into a glacier, tongue-tied.

Seeing that Lin Tiao didn't speak, Nan Yi urged, "Don't be dazed, tell me the whole thing. I'm very busy, and I have to leave as soon as I finish wiping your butt."

Hearing what Nanyi said, Lin Tiao didn't act like a little woman, and said simply: "There is a female boss named Cai Linfen. She started her business as a mohair maker and earned 20 million yuan in a short period of time. She started a real estate business the year before last. business, set up a piece of land on Xujiahui Road, and registered a Tiantian Real Estate Company..."

Nan Yi interrupted Lin Tiao, "Wait, are you talking about the mohair king?"

"Yes."

"go on."

Nan Yi thought to himself, no wonder Liu Zhen brought up Feng Qiuping, Maoyan and Heng Yuanxiang, so the matter had something to do with Cai Linfen.

Yangcheng, Shenzheng, Shanghai, and Beijing, the real estate developments of these four cities are within the scope of Nanyi's attention, and he will receive an email report every once in a while on weekdays.

Nanyi can see the real estate development in these four cities, developer information and other information. He has a little impression of the name Cai Linfen, not to mention that the company name is Tiantian, and the real estate development is also called Tianfu Garden. It is simple and strange. , is unforgettable.

"After the Tianfu Garden project started, Cai Linfen's 20 million of her own funds were spent as soon as the demolition was over. In October 1993, she borrowed 460 million from the bank. In May of last year, the capital chain broke again, and she borrowed from the bank intermittently. 500 million..."

"When did you loan out your 50 million?"

"It's just the first month of this year."

"Tianfu Garden is only a big project, but it is just two high-rise buildings, one with 32 floors and one with 24 floors. Even if it is completed, the gross estimated value is a little over 500 million. Cai Linfen's own funds plus loans A total of 1.04 billion, I calculated those shady interest, it is 200 million;

After deducting the interest, the cost of 840 million is to build two houses with a total value of 500 million. Cai Linfen is Avalokitesvara, and you are the dragon girl beside her. Come to the world with her to save the suffering? "

"I……"

"My fart, you are either stupid or bad. There is a hole as big as the Huangpu River in the Zhabei alley. Do you really not see it or pretend not to see it?" Nan Yi pointed at Lin Tiao's nose and snorted, "It doesn't matter if she is Cai Linfen. Which bank did the previous loan come from? You won’t be able to check her loan record?

I think you have eaten the bear's heart and leopard's guts. Tomorrow I will take off my trousers and draw a monster character on it, pretending to be Nuwa's demon banner. Do you dare to lend me 1 billion, huh? "

Nanyi is also in a hurry. There is such an obvious pitfall. What a great relationship can’t be avoided. Even if there is such a relationship, I don’t know how to discuss the countermeasures with Liu Zhen earlier. I have to wait until the bag has bulged and the pus is about to breed. .

Lin Tiao's nose twitched, and tears filled his eyes instantly.

Nan Yi ignored her, got up and went down to the first floor, leaving space for Lin Tiao to release his emotions for a while.

He made a call to Huang Xie and quickly found out about Cai Linfen's details. It turned out that Cai Linfen was a celebrity in the real estate industry in Shanghai and Shanghai. She was not a well-known name. Other real estate bosses took her as a joke.

Cai Linfen’s life so far has been divided into two stages. The first stage was before 1987, when she went to the countryside and established a revolutionary love with her husband who was two years younger than her. She returned to the city four years earlier than her husband, but she did not abandon her. Husband, after her husband returned to the city, the two became good friends of Qin and Jin.

The second stage began in 1987. Under the encouragement of relatives and friends and the impact of the business tide, Cai Linfen resolutely resigned from the tasteless job in the processing factory in Lilong. She invested all her frugal savings of more than ten years and opened a small restaurant. From dawn to dusk, it worked hard and began its original capital accumulation.

More than a year later, Cai Linfen, who had successfully become rich first and entered the ranks of 10,000 yuan households, encouraged her husband to resign as well. The two jointly took care of the business and expanded it. scale hotel.

Just as Cai Linfen and his wife were about to gallop on the road to wealth, their son accidentally drowned. Cai Linfen, who was hit by this, believed in gods and became a devout Buddhist. Soon after their youngest son was born, Cai Linfen specially visited an expert to ask for advice.

After a face-to-face meeting, the master asserted that this son Cai Linfen's lucky star, if the name is homonymous with the word "Heaven", will bless the parents with prosperity and prosperity. Therefore, the youngest son was naturally named "Tian", and his baby name was Tiantian, and he was cared and loved by his parents in every possible way. Cai Linfen took this kind of love and high hopes to the extreme and named the newly built restaurant Tiantian Restaurant.

Sure enough, Tiantian Restaurant has a thriving business, and has been one of the hottest restaurants on the famous Zhapu Road Food Street for a long time. At this time, Cai Linfen, who firmly believed that her son would bless her with good fortune, saw the mohair business in Shanghai at that time, and resolutely handed over the hotel business to her husband, and she plunged into the mohair wholesale business by herself.

Due to her relatively strong financial strength, and the help of the interpersonal relationships she met in the restaurant business, coupled with her business courage and good reputation, Cai Linfen made a big splash in the mohair wholesale industry, and became a well-known mohair wholesaler in Shanghai for a while. The famous eldest sister almost monopolizes the purchase channel of Shanghai mohair, and no one can compete with her.

As a result, in just two years, Cai Linfen won the nationwide mohair war, her private capital quickly rose to 20 million yuan, and she entered the ranks of strong women in private enterprises in Shanghai Beach.

Under the protection of her son Tiantian, Cai Linfen became famous and became a success, and found the feeling of being a master.

At that time, Cai Linfen first met in the Lilong processing factory, and later an old friend who quickly grew up in the political circles of Shanghai and Shanghai pointed out that after Shanghai and even the whole country entered the 21st century, the real economic growth points were high-tech industries, automobile industries, and real estate industries , while the catering industry is too affected by economic ups and downs.

Now that you, Cai Linfen, already have a certain amount of capital, why not look a little further and invest your capital and energy in Shanghai's booming old house renovation and real estate industry, which is a career that can earn both fame and fortune.

Cai Linfen's heart skipped a beat, she was indeed worrying about where the 20 million funds would go. So, with the help of this old friend, Cai Linfen successfully obtained the real estate project development qualification for the Xujiahui Road plot among the first batch of old house renovation plots in Shanghai.

In order to thank and continue to look forward to the protection of her son, Cai Linfen named this project Tianfu Garden.

It should be said that there is nothing wrong with Cai Linfen decisively deciding to join the real estate industry under the guidance of an old friend. Compared with the catering industry, the real estate industry has higher profits and broader development prospects.

However, compared with the operation of the catering industry, the operation of the real estate industry is much more complex and difficult to manage, and the requirements for the quality of employees are much higher, and the raising, use, and operation of funds are even more difficult. There must be absolutely no ambiguity in the knowledge.

After the Tianfu Garden project was launched, in addition to finding a professional design institute for the design, none of the dozens of employees of Tiantian Real Estate had professional knowledge in real estate development, and all the employees were related to Cai Linfen.

Before Cai Linfen wanted to enter the real estate industry, the gossip that "Cai Linfen is going to be big, Cai Linfen is going to make a fortune" spread among relatives. ", whoever wants to come can come, and they are all given high wages.

Cai Linfen's relatives are all small citizens in Shanghai, and none of them have had anything to do with business, let alone architectural knowledge. Maybe it's okay to let them work together to build a stove. Tiantian Real Estate, formed by a gang of mobsters, can imagine with their toes what the project will look like.

The Tianfu Garden project, which costs nearly 400 million yuan and is worth more than 500 million yuan, is so absurd that it doesn't even have an estimate or budget for the development project.

As a result, the relocation of only two high-rise plots was barely completed, and the 20 million of Cai Linfen's own funds accumulated over the years had been exhausted, and the relocation cost was several times higher than normal.

Then, Cai Linfen disassembled the entire project and obtained mortgage loans from 12 banking institutions, including deceptive repeated mortgages. Due to Tianfu Garden's excellent location and huge value-added potential, banking institutions are very optimistic about it, and the review of Tiantian Real Estate's loan applications is not very strict, and some tricks of repeated mortgages have "failed" to be seen through.

As a result, Cai Linfen's financial staff showed their talents and got a huge loan of 460 million yuan exceeding the total project cost.

In the case of a general lack of funds for real estate development in Shanghai, Cai Linfen's loan performance, that is, her financing ability, made her feel elated, thinking that the development of Tianfu Garden would be an inexhaustible treasure house. Adequate capital is a boon for real estate development, but for Cai Linfen, it is a death knell.

Due to sufficient funds, Cai Linfen became extravagant. Although she signed the various expenditures of the company with a pen, she never seriously reviewed it, but swiped the pen. Just approve it, very refreshing.

Taking advantage of her characteristics, her financial personnel opened a large number of various accounts for their own convenience and to establish a good relationship with the bank.

As a result, the 460 million yuan that was enough to complete the entire project was exhausted before half of the two high-rise buildings were built. Even Cai Linfen herself could not believe that the construction cost would be so expensive.

But the bitter wine she brewed can only be drunk by herself, because she has no ability to find out what black holes exist in the use of these funds, not to mention that the employees under her are all relatives of the royal family, how can she be ashamed?

When Nan Yi heard Huang Xie say this, he felt very sorry. If he had noticed that Cai Linfen had sent someone from the bad mass group to Tiantian Real Estate, he could have taken away more than one hundred million, wrong one hundred million in a reasonable and legal way.

With funds in a hurry, Cai Linfen could only mobilize her subordinates to move around in an attempt to get another loan from the bank. However, Cai Linfen has no real estate or development projects under her name that can be used as collateral, and no powerful company is willing to guarantee it. Moreover, the bank has also adjusted its lending policy to tighten lending for the generally depressed real estate industry. Loan application review is more stringent than ever.

Cai Linfen never wanted to stand still and wait for death, she swore that even if she drank poison to quench her thirst, she would build the building up.

Her vows reached the ears of some high-level business executives who had surplus funds and were clear-sighted, and they extended a helping hand to Cai Linfen one after another, that is, taking loans hand in hand.

This woman, Cai Linfen, is not a human being, she is really a nine-day fairy who descended to the mortal world. She knows that there are tigers in the mountains and favors the tigers, and she mobilizes the employees to look for someone to "hand in hand". Therefore, in a short period of more than 10 months, Tiantian Real Estate successively borrowed a huge sum of 560 million yuan from more than 220 companies, of which 120 million yuan was beheaded.

Some of these companies are proficient in this way, while deducting high interest rates, they also require Tiantian Real Estate to mortgage the unit property rights certificates of commercial housing to them.

More than 400 million funds were remitted into Tiantian Real Estate's account, which was a huge sum enough to rebuild a Tianfu Garden. The total value of Tianfu Garden is only more than 500 million yuan, but the loans and borrowings of Tianfu Company have reached 1.02 billion yuan. How should Cai Linfen repay the more than 500 million shortfall when it expires, and what should she use to repay it? ?

Nanyi estimated that Cai Linfen thought of this problem before she decided to join hands. She is a person who is dying and has no way out. All she can do is to cheat day by day. fall in love.

After hand in hand, Cai Linfen took care of two good friends in Tiantian Real Estate, each with a monthly salary of 50,000 yuan, and they all signed the company's bills for other eating and drinking, which meant that they didn't have to move a penny of their salary.

That's not to mention, Cai Linfen's childhood was extremely luxurious, and if she didn't spend seven or eight hundred thousand a day, she would be bitten by ants on her body, which was uncomfortable.

Obviously, Cai Linfen is already very aware of her dismal ending, so she enjoys it desperately when she can still enjoy it. Anyway, there is no difference between owed 100 million and owed 1 billion to her. If you can't die and get caught, wipe your nose, shed a couple of tears, express a little confession, and just fool around.

Before the end comes, what Cai Linfen has to do is to enjoy, and also to delay as much as possible.

Nan Yi guessed what Cai Linfen would do in the future, and it was impossible to get a large loan. According to Huang Xie, Cai Linfen was already famous, and friends of Shanghai Real Estate were waiting for her building to collapse.

Since it is impossible to get a loan, we can only build two buildings, and then, make something out of nothing, secretly store the two buildings as the fourth floor, or even sell six or eight buildings. It is also possible that there will be six or seven owners in one house of.

These are all things that will come later, and how to deal with them will be a headache for other creditors. What Nanyi has to consider now is how to help Lin Tiao get back the principal and interest of about 56 million. As long as the loan is recovered smoothly, Lin Tiao will be safe and sound.

Liu Zhen put Nanyi on the south wall with a sentence of "love with sisters". He only hoped that Cai Linfen and her gang of maggot relatives would not be too ruthless. Tiantian Real Estate had better have more than 100 million funds in their accounts, so they could not be stuck The figure of 56 million, otherwise, once the funds are withdrawn, Tiantian Real Estate is prone to thunderstorms in place.

Wasps sting people, and the one who is responsible for it is naturally the person who pokes the hornet's nest. No one is stupid enough to find out why there are hornets, otherwise there will be another person who pokes the hornet's nest in the world.

Nan Yi pondered for a while, then returned to the second floor, and came to Lin Tiao who had recovered his calm.

"Let me ask you, is Tiantian Real Estate a sole proprietorship of Cai Linfen?"

"No, there is another shareholder, Huwan Municipal Engineering Company, which holds 10% of the shares."

"Listen well, based on the information I know now, Cai Linfen is suspected of contract fraud or fund-raising fraud, as well as the crime of misappropriating unit funds. The amount starts with a huge amount. As long as someone comes forward to sue Cai Linfen, she will not be able to run away for at least ten years.

Let me collect a little more information so that you can be targeted, and you should do your best to rationalize Cai Linfen's behavior of asking Cai Linfen to repay the loan in advance.

Cai Linfen doesn't want to die, nor does she want to end her current luxury life, so hurry up and check how much money is in Tiantian Real Estate's account, be careful, and don't let go of relevant personal accounts. Accounts opened in the name of Cai Linfen and Tiantian Real Estate staff must check. "

After Nanyi finished speaking, he took the note paper on the table and wrote down a phone number on the paper, "When you are in doubt, call this number and ask the other party which financial charges of Tiantian Real Estate they can charge. Important, we need to open a gap within Tiantian Real Estate."

Lin Tiao's face turned pale, "Tiantian Real Estate's account is not in our business."

"Can't handle it?" Nan Yi said with a dark face: "It's harder than getting a 50 million loan?"

Lin Tiao said tremblingly, "It's a bit difficult."

"You should clear your mind. You are not pressing tasks for you now. You are saving yourself. Don't you just sit here and wait to die?" Nan Yi pointed to the direction of the bathroom, "There is a mirror in there, go in and take a look." Come on, ask yourself who you are."

What happened to Lin Tiao this time, if the usual practice was followed, Liu Zhen could solve it with a few internal calls, but the phone calls are easy to make, and the hidden dangers that follow are not easy to deal with. It will disappear, and maybe it will become a time bomb that will explode at a critical moment in the future.

Since Liu Zhen asked Nanyi for help, she naturally abandoned the routine in her heart, and wanted Nanyi to solve the matter with unconventional methods. After all, Lin Tiao and Nanyi are separated by a layer, and the relationship cannot be said to be very close. Chong Liu Zhen, he can come over to wipe his butt, but Lin Tiao has to take the initiative to save himself. He is not a eunuch, and the emperor is not in a hurry, and he will not be in a hurry.

After a while, Lin Tiao still moved.

When Nanyi left the cafe, he called Liu Zhen and told him that he was already dealing with it.

For dinner, Nan Yi made an appointment with Chen Dan, just to reminisce about the old days, Lin Tiao didn't mention anything about it, and the reason for coming to Shanghai was also presumed to be business needs.

It was not intentional when he said it, but intentional later, after separating from Chen Dan, Nan Yi turned his mind, thinking about how to earn back the expenses of the trip to Shanghai and Shanghai.