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Chapter 1. Qingneng's Loan

At about midnight, the whole city was filled with the sound of electronic firecrackers. Although it was not as exciting as real firecrackers, it was mainly for auspicious and lively.

At this moment, the guest came to visit. However, Yu Yu was still wrong. Not only did he come to Tan Rong, but he also had a cute little girl, Wen Xiaoyi.

Talking about Rong was so cool, Wen Xiaoyi was smiling; talking about Rong was tall and Wen Xiaoyi was petite and delicate, it was interesting to stand together.

A police officer of the Counter-Terrorism Center and a security company boss, how could they get together? The reason is very simple. Bai Yu told him to cooperate with Tan Rong to do a good job in security work about Yu Yu. Wen Xiaoyi contacted Tan Rong as soon as he arrived in Linzhou. The two agreed that the biggest threat to security lies in shadow organizations rather than Internet manufacturers.

The concept of the Internet giant is to never take action on issues that can be settled with money; shadow organization is to be able to silence and never take other detours.

"Under Xiao Yi's protection, Xiao Huang Xiaoguan's situation in Linzhou has been complicated and has been transferred to the provincial capital to secretly recover from his injuries," Tan Rong introduced, "They made great contributions this time, and tried their best to rescue Li Zibing from the Shadow Organization and take them back to the port!"

"Li Zibing is still alive?"

Yu Yu stood up excitedly, "Where is he?!"

It turned out that Fu Xiaofan's news was not good. Li Zibing did hide on ** Island and made an appointment with Yu Yu to meet at sea. She planned to tell the truth and escape from the high seas to Hong Kong and then to South America. However, Li Zibing did not know that she was under the surveillance of the shadow organization - all employees of Jiurong Company were monitored, and the ** task force did not start until Yu Yu presided over the party committee and changed the generals. The whereabouts of Jiurong employees were no longer found.

As long as you escape from your fixed residence and turn off your phone, where can you find a needle in a haystack in a city with a population of millions?

Li Zibing hid in a fisherman near the port of ** Island. The fishing boats he rented were controlled by the Shadow Organization; the content of his agreement with Fu Xiaofan and the details of his meeting with Yu Yu were also under the control of the Shadow Organization. It was not until the two ships met that Yu Yu verified Li Zibing's identity and prepared to go over, and the members of the Shadow Organization who were hiding on the ship suddenly took action.

Fortunately, Xiao Huang decided to go over with Xiao Guan to check the fishing boat first, otherwise last night would have a completely different ending.

Xiao Huang Xiaoguan found Li Zibing tied up while fighting with members of the Shadow Organization on the fishing boat. He remained silent at the time and waited until the fishing boat was knocked over and aimed at the position and rescued him.

After returning to the port, they were not worried about being plotted against, but they were worried about Li Zibing, so they tried to escape and hide in Wen Xiaoyi's base camp in Linzhou.

"I'm going to see him!" Yu Yu said in a deep voice.

Tan Rong said coldly: "Sit down!"

Wen Xiaoyi was surprised that she actually talked to Yu Yu in an orderly tone. She never dared to whistle loudly in front of the "master". She was stunned and said with a smile:

"Mayor Yu, don't worry, this is the thing-Li Zibing thanked Xiao Huang for saving his life, and had already told him everything he knew. He had escaped from the country road overnight from Linzhou to a reliable relative's house and then went to Hong Kong. Look, this is his conversation video..."

In the video, Li Zibing was a little listless, with bruises on her face and neck, and her voice was relatively low:

"Dear Mayor Yu, now I will report some of the situations about Jiurong Company and Director Wang Yan. About half a month before Director Wang was chased, he began to be very thoughtful. He often lost his temper for no reason, sat in front of the computer and was dazed, and often ran to the leadership floor for two or three hours. It was not until one day after work that I went back to the office to get something and heard him quarrel with Vice President Zhou on the phone that he roughly knew the cause and effect. It turned out to be related to the 'Qingneng Loan' that was prevalent in several provinces in Linhai, Dongwu, and Chaoming..."

"Oh, 'Qing Nengdai'!" Yu Yu seemed to have known each other for a long time, and he was slightly slight.

"Is it a loan?" Tan Rong asked.

Li Zibing was afraid that Yu Yu would not know, so he explained in detail: "The full name of 'Qingnengdai' is a clean energy project loan, but it is not exclusively undertaken by the bank, but a financial product developed by joint ventures with the technology energy company..."

There are almost every home in the wealthy rural areas along the coast, so there are naturally idle roofs. If you install clean energy power generation equipment on the roof, make full use of the sea breeze and sunlight to generate wind and solar power in a comprehensive power generation, use some of them yourself, sell the excess electricity to the power grid company, and you can also get the clean energy subsidy from the official house, which is really a three-killing victory!

So various new energy technology companies came into being, and the slogan in rural areas was: Investment does not cost money, rental income will be 20 years, and the rooftop power station will be given to you in 20 years!

Literally, farmers do not need to invest principal in installing clean energy power generation equipment on the roof, and they receive a fixed monthly rent. Moreover, after 20 years of rent collection, the roof equipment belongs to farmers.

Someone has calculated the accounts for the majority of farmers, that is, based on the rent of 30 yuan per square meter, they can earn 400 yuan per month, nearly 5,000 yuan a year! The roof is idle and it is idle, and it can still make money by using electricity for your own use, so why not do it?

However, the roof rental business that seems to be profitable is hidden in it - the power generation equipment rental agreement.

What does it mean?

The new energy technology company told the farmers, I will rent the power generation equipment to you to make money, OK, but there is one thing that the company can't afford so much money for the time being, so it reached an agreement with the bank, and you farmers will apply for "cleaning loan" at the bank and use the loan to purchase power generation equipment; the monthly loan principal and interest will be returned by the new energy technology company, and the income generated by the power generation will also belong to the new energy technology company; after the loan is paid off, all the income will belong to the farmers.

It sounds like no problem. The farmers only came forward to borrow loans in name but were not responsible for repaying them, and still received a fixed monthly rental income.

However, the trap is in the details.

You should know that the main body of the "Qingneng Loan" loan is farmers. The borrower on the bank loan contract is the debt of the farmers after all, and it has nothing to do with the new energy technology company. The reason why they are willing to help farmers repay loans is that the new energy technology company is the equipment leasing contract, which is the agreement between the two parties, not the law. New energy technology companies take the initiative to help farmers repay loans, and banks are happy to see that they do not care about so many idle things; however, once no one pays the loan, the bank only uses the loan contract to find the borrower.

In theory, the rental business carried out by new energy companies is also profitable. We should fulfill the contract and repay the equipment loan and do our best to do a good job in equipment repair and maintenance, right?

wrong.

On the one hand, new energy technology companies falsely report the price of power generation equipment. For example, a set of equipment is worth 100,000 yuan but farmers borrow 300,000 yuan to "clean energy loan". The bank is eager to borrow more as much as possible; on the other hand, when there are enough farmers, such as 5,000 people, the new energy technology companies have more than one billion yuan in their hands. When will they make a profit by relying on a meager power generation difference?

It’s better to declare bankruptcy and run away with the money!

Looking back, the new energy technology company did not default. Although it went bankrupt, the equipment purchased by the loan was still at the farmers' home. The question is how much can second-hand equipment be cashed out? The loan is 300,000 yuan.

When "Qingneng Loan" was once popular, banks in several coastal provinces had loans of tens of billions of yuan. As a large number of new energy technology companies ran away, those who did not run away also collapsed, and tens of thousands of lawsuits were still in progress.

The "Qingnengdai" involved in this time was a financial product launched by Linzhou's largest new energy technology company, Jingzhang Energy and the Municipal Agricultural Bank of China, with sales reaching 19.2 billion yuan. Needless to say, four months later, the legal representative of Jingzhang Energy, the executives ran away with the money, leaving behind farmers who shouted to the sky and the earth, and beat the hearts and slammed their hearts.

Immediately afterwards, the farmers took the litigation lawsuit against the guarantor of the financial product, which is also an affiliated company of the clearance energy company, Yicheng Financial Services Company, a subsidiary of Rongyi Group. The reason is very simple. At that time, Yicheng Financial accepted the entrusted envoy of Qinghai Energy to assist the farmers in the loan procedures, and then packaged it for batch review and approval by the Municipal Agricultural Bank of China.

Farmers accused two points: First, Jingkong Energy and Yicheng Finance are only business entrusted relationships, but during the publicity, they said that Rongyi Group provided business guarantees, and farmers dispelled their doubts because they trusted Internet manufacturers; second, after investigation, the defense lawyer found that Yicheng Finance was indeed one of the major shareholders of Jingkong Energy, but suddenly withdrew after launching the "Qingneng Loan", suspected that there was a possibility of partnership fraud.

Jiurong Company provides third-party service technology that interfaces with the "Qingnengdai" app and the Municipal Agricultural Bank of China.

As a purely technology outsourcing service provider, it should have nothing to do with Jiurong Company from a legal perspective. To some extent, it is still a victim. Because the app interface fee is paid in three phases, the net energy energy ran away only for the first two phases. But what is the reason for Jiurong Company not saying a word during the incident?

It has too frequent business dealings with Internet manufacturers such as Rongyi Group and too close contact. Farmers suspected that it was also fraudulent and once planned to include Jiurong Company on the litigation list, so they had to suffer a loss.

It would be fine if it was just that.

However, Li Zibing overheard Wang Yan's call with Vice President Zhou Jiju showed that Jiurong Company had a deeper involvement!

It seems that Zhou Ji provided a super user password to "some party" on his back, causing "some party" to tamper with some data in the backend of Jiurong Company's database, and then sent it to the Municipal Agricultural Bank!

In other words, the data obtained by the Municipal Agricultural Bank from the "Qingnengdai" app was artificially manipulated!

Li Zibing said that Wang Yan was extremely angry. First, Wang Yan was the person responsible for the third party’s interface with the bank’s data. If there was a security accident in the data, Wang Yan would even be held criminally responsible if it was serious. It is not a joke to involve bank data.

The second "partial party" tampered with data, resulting in the lack of basis for the "Qingneng Loan" class action lawsuit, which directly harmed the interests of the majority of farmers. In theory, there was the possibility of partial compensation from Yicheng Finance, the Municipal Agricultural Bank of China and other aspects, but now it has all become a bubble.

Wang Yan seemed to have also informed the senior management of Jiurong Company, but judging from the content of the quarrel, it is probably not a personal behavior for Zhou Jiyu to disclose the super user password, but a collective decision of the senior management of the company.

After that, Wang Yan repeatedly communicated with the company's senior management, and the company held core management meetings one after another, all of whom wanted to handle the matter in a low-key manner, but Wang Yan refused to surrender and insisted on making the truth public...

But how could he have thought that he would run to the gate of the city government early in the morning to guard Yu Yu for complaining, and why Zhou Jiji learned about the number of killers in advance? Only when Wang Yan wakes up can the truth be revealed.
Chapter completed!
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