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The task force's inspection of the two financial companies is coming to an end. There is no big problem. It is nothing more than assisting companies in making fake accounts, evading taxes, providing bridge funds, etc. The relationship with Yulong is mainly about cash flow, that is, through a false contract, Yulong remits large amounts of funds to the financial company, and the financial company uses its cooperative relationship with the bank to withdraw cash.

As we all know, it is difficult to obtain evidence for cash flow. Even if the financial company personnel take cash from the bank, it cannot prove that the money is returned to Yulong. Too large cash transaction volume is a national condition and is also a roadblock to hinder judicial investigation.

However, Xiao Li discovered a strange phenomenon in big data analysis. The two financial companies both provided loan guarantees for a financial company called Guoguang City, and the amount was quite large, 60 million.

As the saying goes, the enemy of peers is not large in the economy like Huanghai, and there are only a few companies, especially good companies. Faced with a limited number of customer groups, competition among financial companies is very fierce. In order to find high-quality customers, drinking and singing sauna is a regular project. It is common to get red envelopes, gifts, and shopping cards. Some people are particularly willing to send beautiful account managers to the door for public relations. As long as they attract business, they will fly all over the sky, and each one is willing to beat the other.

Guarantees for peers are unusual in themselves, and the loan amount of 60 million is even more incredible.

People are in the world and cannot help themselves, and guarantees from peers are sometimes inevitable, but based on three premises: one is the bank's lead, in this case, in order to avoid offending the funder, you have to agree; the second is mutual guarantee, I will guarantee you this time, and you will guarantee me next time, which is mutually beneficial; the third is that the guarantee amount is within the affordable range. If the company's capital is only five million, then the guarantee amount is at most three to four million, which is called risk tolerance control.

Because the loan guarantee essentially bears the obligation to repay the loan after the lender may default. In other words, if Guoguang City suddenly goes bankrupt or refuses to repay the loan of 60 million, then the two financial companies must help it repay, and guarantee loans generally use joint and several liability, which means that the bank has the right to ask the two companies to repay 60 million, or to ask one of them to repay 60 million, which is not half to half as the layman understands.

The strange thing about the guarantee of 60 million is that Guoguang City has never guaranteed two financial companies, and the capital of the two financial companies is simply not enough to repay the loan.

After investigation, it was found that the legal representative of Guoguang City was Xiao Weicheng and the son of Xiao Zhixiong, chairman of the county CPPCC!

At this point, the task force's investigation finally showed its dawn!

From the province to the front of the Huanghai, the leaders of the ten departments judged that the group's money laundering behavior with Qin Feng and Shuangtu as the core would inevitably collude with local officials. The strong capital flow and the official power to seek rent will cause a larger and deeper corruption.

Xiao Zhixiong has been an official for more than 30 years and has never taken a step forward in Huanghai. He has gone from a technician of the machinery factory to a technical team leader, deputy director of the workshop, director, and then to a sales section chief, deputy director of sales, and director. Because of his outstanding technical transformation, he was promoted to deputy director of the Light Industry Bureau. He then met the noble person in his life - Chen Maojun, deputy county magistrate in charge of industry!

With Chen Maojun's strong support, Xiao Zhixiong quickly became the secretary and director of the Light Industry Bureau. Later, when Chen Maojun was the executive deputy county magistrate, he strongly recommended Xiao Zhixiong as the deputy county magistrate of industry; Chen Maojun was transferred to the deputy county magistrate of county, and Xiao Zhixiong took over the executive deputy county magistrate again. He did not go to the CPPCC until he was a senior, but he was not dissatisfied with the promotion of the level as a regular person.

Xiao Zhixiong was poor since childhood and developed the habit of paying attention to money very seriously, but he was unambiguous in the places he should spend and was very generous. Otherwise, an ordinary technician would not be able to climb to the position of factory director smoothly. His principle is that all the money spent must be three times, four times or more, so he dared to accept gifts, openly accept gifts, or even ask for benefits. It is also an open secret in Huanghai. Sometimes Chen Maojun can't stand it and advised him to restrain himself and not be too long.

Xiao Zhixiong doesn't care. He knows the truth that people leave the tea and has the right not to expire or invalidate it. When he leaves, he praises the word "clever official" as a meal? Even if he sits on the CPPCC, which seems to be a cold bench, he still has a way to make money. After all, he is still a member of the county party committee standing committee and has no right to nominate but can object. This is called success but failure. Therefore, cadres with ideas should give some to them in exchange for a vote in his hand.

It wasn't enough to make money by yourself, so Xiao Zhixiong paved the way for his son very early.

It is not the time when it was before. It is becoming increasingly difficult to be a cadre by giving gifts and flattering merely. You must have real talent and knowledge. Xiao Zhixiong saw that Xiao Weicheng could not endure hardships and was not the source of being an official, so he secretly operated and established the Guoguangcheng Financial Company. With his own influence, he could make money even while lying down.

How does a financial company make money?

It's very simple. Xiao Zhixiong greeted the bank, borrowed the loan at an extremely low interest rate, and then lent it to a company that urgently needed funds but could not borrow money - why can't it be? Of course, there is a reputation here. Sometimes Xiao Zhixiong took special care of it, and sometimes the company did not know what to do and did not do what it should be done. At the moment of a fire, he didn't care that the interest rate was significantly higher. This was Xiao Zhixiong's first trick, called eating interest rate spreads.

The second trick is bridge funds. The bank loan borrowed by the enterprise is about to expire, but it cannot be paid back. The bank has regulations that the loan cannot be returned on the same day - that is, to avoid the company's idle loans that are unable to repay, and it is clearly required to repay the loan first, and the loan procedures can be re-processed the next day. The financial company specializes in bridge funds business, that is, lending the money to the enterprise to repay the loan, and returning the loan the next day after the enterprise borrows the loan the next day. Some people say that it is not only one day, how high the profit can be? Wrong, the bridge fee is very expensive, and it normally reaches about 3%, that is, the one-day turnover fee of 10 million yuan is 300,000 yuan! Due to the tight bank funds, or the scale of monetary control, there are many people who need bridge funds, and Guoguang City has made a fortune.

If the first two moves have loopholes in policy and the edge ball, the third move is an illegal act, namely usury. The targets include those who owe huge amounts of gambling funds or borrow money to make up their capital, those who use leverage to face liquidation in stock trading, drug users, and corporate capital chains are at risk of breaking, etc. The interest rate is normally two points, and it is deducted from the loan first. Generally speaking, this is a knife-blade blood-licking activity, with high returns and very high risks. If the debtor is not properly escaped, the financial company will lose all its money.

Return. But who is Xiao Zhixiong? Since he dares to do this business, he is confident enough. First, there are people in the court who seal it off and enforce it if necessary; second, there are a group of thugs in Guoguang City. The debtors can run away and the monks can't run away. The thugs will continue to harass their relatives and friends, causing the debtors to be under tremendous pressure. Over the past few years, Guoguang City has lost all their money and destroyed their families. However, it is obvious that they can't even tell the truth. Even if something happens, they can be said to have broken teeth and swallowed.

However, these moves were not included in the legal eye of the task force. Strictly speaking, what Guoguang City did belong to the scope of the economic investigation team and had no connection with the task force. However, Xiao Li's big data analysis did reach a terrifying level. He actually found an old case of collusion between officials and businessmen and embezzlement and hollowing out state-owned assets!

This is what the task force is most interested in.

Four years ago, Huanghai County Yuanfang Ship Manufacturing Factory, as a state-owned enterprise, was included in the first batch of restructuring pilot units in the county. After the news came out, the Yuanfang Ship Manufacturing Factory was mainly engaged in the manufacturing, maintenance and repair of small ships in the offshore. The orders ranged from hundreds of thousands of small sampans to millions of fishing boats. There were few more than 10 million, and orders that cost hundreds of millions of 10 million did not meet the technical requirements and did not dare to take them. Despite this, due to Yuanfang Factory's precise market positioning, down-to-earth business operations, strict control of production processes, it has always maintained profitability for many years and a solid foundation. It is one of the few excellent enterprises in the Huanghai.

It is controversial for the county to take out such state-owned enterprises to carry out reform pilot projects. Many people believe that reform is to get rid of the business difficulties of enterprises, integrate resources to absorb funds, and revitalize enterprises. The strength of Yuanfang Factory is enough to adapt to the market trend and can achieve further development. When the two sides were quarreling, local factions such as Chen Maojun and Xiao Zhixiong showed a tough attitude, believing that the reform is not to sell junk, and that poor enterprises cannot be thrown out as burdens. Since the pilot is carried out and idle funds are attracted by all parties, the county should show enough sincerity! Finally, the plan is to include Yuanfang Factory on the list of reform pilot projects.

After the inventory and asset verification, the reform leadership group led by Xiao Zhixiong presided over the restructuring of the Yuanfang Factory, giving an astonishing valuation: 180 million yuan!

With the machinery, production lines, factory buildings, inventory materials, and land owned by Yuanfang Factory, there are more than 200 million yuan, not to mention fixed assets such as employee dormitories, office buildings, dock transfer yards, etc., the outside world originally expected to be worth at least 500 million yuan! The leading group explained that the existing production equipment is facing large-scale upgrades and renovations, which cost huge amounts. Not only can it not be considered a net asset, but it is a heavy burden. In addition, after the reform, workers' wages, pensions and other labor costs have increased significantly, and dormitories, office buildings, etc. need maintenance, etc., in short, according to their explanation, 180 million yuan is more than or less.

However, even if it is 180 million yuan, the county must hold 51% of the shares as required at that time, which means that anyone who wants to buy Yuanfang Factory must pay 90 million real money!

Even if you sell the money, let alone borrowing bank loans, it is worth it! Once you take down the remote factory, you will sell more than 90 million yuan in machinery and equipment and inventory materials as rags. Many bosses are ready to raise funds everywhere and prepare to do a big fight.

However, Xiao Zhixiong's shamelessness has no bottom line!

One Sunday evening, a bidding announcement was posted at the entrance of Yuanfang Factory, announcing that the auction will be open to the public at 9:00 am on Monday, with a minimum price of 90 million. You must go to the Yuanfang Factory Reform Office before 8:00 am to pay a deposit - silver notes other than cash, remittances, etc. The receipt holder stamped by the reform office will obtain the bidding qualification!

Most bank outlets in the county are closed on Sundays, and a very small number of savings outlets that are open for safety and economic reasons, and the cash volume is basically maintained at around one million. The announcement time is at around 6 o'clock in the evening, and the savings outlets are closed.

What's even more amazing is that the bank will open at 8:30 in the morning. Even if you have great face, okay, you can take special care of gold customers, but you have to make an appointment one day in advance to withdraw large amounts of cash - 50,000 in individuals and 200,000 in enterprises. You can withdraw 90 million at one time, even 9 million, which is impossible for county-level banks to afford, and need to send a cash truck to the municipal bank to make payments.

This means that almost everyone cannot qualify for bidding.

Only Xiao Weicheng's Guoguang City has previously collected 90 million from banks through multiple channels. At around 7 o'clock on Monday morning, they sent more than ten sacks of cash to the Yuanfang Factory Renovation Office.

The bidding was not Guoguang City, but a company temporarily registered by Xiao Weicheng. Since there was no competitor, he successfully bought Yuanfang Factory at the lowest price.

Whether it was an uproar in the outside world or a intensive report letter, no matter how close I had to contact Xiao Zhixiong, he was at ease.

After a few years, after complicated equity changes and asset restructuring, Guoguang City gradually became the major shareholder of Yuanfang Factory. After that, it was further split, capital operation, asset divestiture, Yuanfang Factory experts, technicians, technical workers, and a complete set of production lines, and machinery and equipment were all transferred to a private enterprise controlled by Guoguang City Holdings and undertake all the original business. Today, Yuanfang Factory is beyond recognition, with only one empty shell left, owing 20 million bank loans and tens of millions of corporate debts, as well as the county's ineffective ownership.

After the research, the task force couldn't help but sigh that the Xiao family and his son are Huang Hai's most shrewd capital masters. When everyone was ignorant of the reform of state-owned enterprises, they had keenly grasped policy loopholes and played tricks of concealing the world. In contrast, Fang Sheng was so naive that he devoted all his efforts to the reform of village and town enterprises. He thought that Huang Hai knew the reform best, but he didn't know that the Xiao family and his son were hiding in a secret room to count money to play.

How many benefits did the Xiao family and his son get from the remote factory? There is a difference of 300 million yuan in the valuation alone. If you add it for a few years, it is equivalent to moving the factory to your own home and taking on so many orders, the profits you get should be around 500 million!

Of course, this money cannot be taken over by the Xiao family and son. The capital transfer requires huge manpower and material resources. The hollowing out the remote factory must have strong background support to successfully complete a series of procedures. Next, the task force needs to investigate two issues:

One is how to raise a 90 million margin;

Second, which forces are participating in hollowing out remote factories.

In a county town, the amount of 90 million cash is too large. Even if Xiao Weicheng was prepared, Guoguang City is a normal financial company after all, and a large amount of funds have been occupied for a long time, he will definitely try to find a way from other channels. The money laundering funds secretly transferred through groups such as Qin Feng, Shuangtu, Yulong should be the focus of embezzlement!

Money can make money, why not do it?

For the forces behind the money laundering business, the funds that need to be laundered are leaked out in cash and then flow back through safe channels, which not only makes a considerable income, but also completes the laundering process. This is a two-game gain.

But this is the result of the flaw!

Because a long-term operation, safe and reliable money laundering channel has been carefully planned and carefully designed by professionals, and has strong concealment and anti-investigation capabilities. For example, the task force led by Team Leader Qiu has been at a loss for more than two years. However, once money laundering is not carried out according to the established route, the capital flow will change abnormally, and the clues left are enough to surprise the task force.
Chapter completed!