Volume 7 I've Been Here Chapter 1016: Very cool operation
After dinner and sending Xiao Nan back home, Nan Yi received a call from Liu Zhen.
"Nan Yi, do you know Feng Qiuping?"
Nan Yi thought about it and confirmed that there was no one named Feng Qiuping among those he knew.
"Why don't I remember knowing such a person?"
"You don't know me, but you should know that in 1988, you learned knitting with me." Liu Zhen said mysteriously.
"Knitting... I remember now. Are you talking about the Feng Qiuping in 'Feng Qiuping Crochet'?"
"Yes, that's her."
Nan Yi covered the phone, asked Chen Wenqin to pour him a glass of water, and then said, "You're not calling me to discuss knitting with me, are you?"
“Do you still remember Hengyuanxiang’s stocks?”
"Didn't I give you the Hengyuanxiang stocks?"
Nan Yi once bought a stock of Hengyuanxiang, the first stock issued after the liberation, at an antique stall in Shanghai. He had given it to Liu Zhen when Liu Zhen was working part-time as an inspector of the Shanghai Stock Exchange.
"Oh, by the way, here with me, do you still remember..."
"We are an old married couple, so just say whatever you want to say. Our relationship is based on this. Even if you poop in your crotch, I will wash your pants for you." Nan Yi didn't want to listen to Liu Zhen's beating around the bush anymore, so he said directly.
Upon hearing what Nan Yi said, Liu Zhen said directly: "In Lin Qin's case, she helped someone to arrange a loan. Specifically, someone who needed a loan found her. There was no need to use the bank's credit line. The lender had already contacted the investor. The investor deposited the money in the bank, and then the bank loaned the investor's funds to the lender."
"I understand. Is it possible that the loan cannot be recovered?"
The model that Liu Zhen mentioned is called "Hand in Hand Loan". Nan Yi is not sure whether this name has already been created, but this operating model has appeared in the past two years.
If the lender can repay the loan on time, it is a win-win-win deal - the "investor" deposits the company's idle funds in a designated bank, the company receives normal bank savings interest, and the "investor" himself can get a high interest from the lender, which is usually a head interest.
"Someone" in the bank can complete a deposit business of a huge amount, as well as a loan business. Secondly, he may pick up a passbook or a briefcase, or it may be a sack, and more than one.
For lenders, they will do this either because there are huge profits ahead or they have reached a critical juncture and without funds to survive, they will die. Therefore, interest is not important. As long as they can overcome the current difficulties, the road ahead will be smooth.
Of course, this is the most ideal situation, and the probability is not high. In fact, lenders often have made up their minds before taking such actions - I can die, but I must drag a group of people down with me.
“The loan has not yet matured, but there is a high possibility that it will not be recovered.”
Nan Yi frowned, "How much?"
"The 50 million that passed through Lin Qin's hands totaled 560 million, involving more than 200 companies."
"Tsk tsk, it's really a joke. After all, it's a bank. The people they deal with are all rich people. Billions come and go. It's scary."
"Don't say sarcastic words. If this matter is not handled well, Lin Qin will be finished."
Nan Yi said nonchalantly: "It's over, it's over. You've been taking care of her for so many years, but you're so careless. Is she short of money?"
"It's not about money, it's about a relationship that can't be evaded ." Liu Zhen explained softly, "Lin Qin is not me, I can't be so detached."
"etc."
Nan Yi put down the phone, picked up the cup and took a sip of water, then stroked the cup and weighed it in his mind for about three minutes, then picked up the phone again and said, "Your attitude."
"Fourteen years, like 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 Qin was standing anxiously opposite him.
Nan Yi looked at Lin Qin, feeling very disappointed. "I know, this incident is not your fault. If you want to blame someone, blame the university you attended. Why did they choose to open a branch in Tilanqiao (prison) when there are so many other places. You also want to learn from Liu Zhen and take the master's and doctoral exams. There is nothing wrong with that.
But with so many universities in the country, why did you choose to apply to the branch campus of your alma mater? Do you have deep feelings for your alma mater? Or do you think you have poor self-control and need someone to supervise you in order to study well? Or, do you want to change your greeting from now on, instead of asking if someone has eaten, to "report to the government"? "
Nan Yi's voice was not loud and his tone was not harsh, but it still made Lin Qin feel as if she had fallen into an iceberg and was speechless.
Seeing that Lin Qin didn't say anything, Nan Yi urged: "Don't just stand there, tell me the whole story. I'm very busy, and I have to leave right after I finish cleaning your ass."
After hearing what Nan Yi said, Lin Qin didn't act like a little woman and said directly: "There is a female boss named Cai Linfen. She started out by selling mohair and earned 20 million in a short period of time. Two years ago, she started a real estate business and bought a piece of land on Xujiahui Road and registered a Tiantian Real Estate Company..."
Nan Yi interrupted Lin Qin, "Wait, are you talking about the Mohair King?"
"Yes."
"Go on."
Nan Yi thought to himself that it was no wonder that Liu Zhen brought up Feng Qiuping, wool, and Heng Yuanxiang. It turned out that the matter was related to Cai Linfen.
The real estate trends of Guangzhou, Shenzhen, Shanghai and Beijing are within Nan Yi's scope of attention. On weekdays, he will receive an email report every once in a while.
Nan Yi could see all the information about the properties under development and developers in these four cities. He had some impression of the name Cai Linfen. What's more, the company's name was Tiantian, and the property it developed was called Tianfu Garden, which was simple yet unique and unforgettable.
"After the Tianfu Garden project was launched, Cai Linfen's 20 million yuan of her own funds were spent as soon as the demolition was completed. In October 1993, she borrowed 460 million yuan from the bank. In May last year, the capital chain broke again, and she borrowed another 500 million yuan from the bank intermittently..."
"When did you loan out your 50 million?"
"It's just the end of the first month of this year."
"Tianfu Garden is not a big project. It's just two high-rise buildings, one 32 stories high and one 24 stories high. Even if it's completed, the rough estimate is a little over 500 million. Cai Linfen's own funds plus loans total 1.04 billion. I'll calculate the high interest, so it's 200 million.
Excluding the interest, the cost of 840 million is to build two houses with a total value of 500 million. Cai Linfen is the Guanyin Bodhisattva, and you are the dragon girl beside her, accompanying her to the world to save people from suffering?"
"I……"
"Fuck you, you are either stupid or evil. There is a pit as big as the Huangpu River in the alley of Zhabei. Do you really not see it or are you pretending not to see it?" Nan Yi pointed at Lin Qin's nose and sprayed: "No matter which bank Cai Linfen borrowed her previous loans from, you can't find her loan records?
I think you are really brave. Tomorrow I will take off my pants for you and write a word "妖" on them to pretend it is Nuwa's demon-summoning banner. Do you dare to lend me 1 billion, huh?"
Nan Yi was also furious. It was such an obvious trap, and he couldn't get away with it no matter how great his relationship was. Even if there really was such a relationship, he didn't discuss countermeasures with Liu Zhen earlier, but had to wait until the swelling was swollen and pus was about to grow before he knew to ask for help.
Lin Qin's nose twitched, and tears instantly filled her eyes.
Nan Yi ignored her, stood up and went downstairs, leaving space for Lin Qin to release her emotions for a while.
After making a phone call to Huang Xie, he quickly found out the details about Cai Linfen. It turned out that Cai Linfen was a celebrity in the real estate industry in Shanghai, but not a good one. Other real estate bosses treated her as a joke.
Cai Linfen's life up to now can be 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, in the midst of adversity. She returned to the city four years earlier than her husband, but did not abandon her husband. After her husband returned to the city, the two formed a happy marriage.
The second stage began in 1987. Encouraged by her relatives and friends and influenced by the business boom, Cai Linfen resolutely resigned from her mediocre job in a lane processing factory. She invested all her savings from more than ten years of frugality to open a small restaurant, and worked hard from dawn to dusk to run the business, thus beginning her original capital accumulation.
More than a year later, Cai Linfen, who had successfully become rich and entered the ranks of ten thousand yuan households, encouraged her husband to quit his job. The two of them managed the business together and expanded the operations. Soon they opened a large-scale restaurant in a bustling area in the Hong Kong district.
Just as Cai Linfen and her husband were preparing to rush on the road to wealth, their son accidentally drowned. After this blow, Cai Linfen believed in gods and became a devout Buddhist. Soon, their little son was born, and Cai Linfen specially visited a master to ask for guidance.
After a face reading, the master said that this son Cai Linfen was a lucky star, and if he was named with the homophone of "天", he would bless his parents with prosperity and success. So, the youngest son was naturally named "Tian", and his nickname was Tiantian. He was loved and cared for by his parents. Cai Linfen took this love and high hopes to the extreme and named the newly built restaurant Tiantian Restaurant.
Tiantian Restaurant was indeed prosperous and had long been a popular restaurant on the famous Zhapu Road Food Street. At this time, Cai Linfen, who firmly believed that her son would bless her with good fortune, saw the potential of the mohair business in Shanghai at that time and decisively handed over the hotel business to her husband, while she plunged into the mohair wholesale business.
With strong financial strength and the interpersonal relationships she made in the restaurant business, as well as her business acumen and good reputation, Cai Linfen made great strides in the mohair wholesale industry. She became a well-known big sister in the mohair wholesale industry in Shanghai, almost monopolizing the procurement channels of mohair in Shanghai, and no one could match her.
As a result, in just two years, Cai Linfen won a great victory in the nationwide mohair war, and her private capital quickly soared to 20 million yuan, entering the ranks of powerful women in Shanghai's private enterprises.
With the support of her son Tiantian, Cai Linfen achieved great success and fame, and felt like a superior person.
At that time, an old friend whom Cai Linfen had met at a processing factory in the alley and who later rose rapidly in the political circles of Shanghai advised her 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 was too affected by economic fluctuations.
Since you, Cai Linfen, already have a certain amount of capital, why don't you look further ahead and invest your capital and energy into the emerging old house renovation and real estate industry in Shanghai, which is a career that can bring both fame and fortune.
Cai Linfen was excited, as she was indeed worried about where the 20 million yuan would go. So, with the help of this old friend, Cai Linfen successfully obtained the qualification to develop a real estate project on the Xujiahui Road plot in the first batch of old house renovation in Shanghai.
In order to express her gratitude and continue to look forward to her son's protection, Cai Linfen named the project Tianfu Garden.
It should be said that Cai Linfen was not wrong to make a decisive decision to enter . Compared with the catering industry, the real estate industry has higher profits and broader development prospects.
However, the operation of the real estate industry is much more complex and difficult to manage than the operation of the catering industry, and the requirements on the quality of practitioners are much higher. The raising, use and operation of funds is a profound science and there is absolutely no room for ambiguity.
After the Tianfu Garden project was launched, apart from hiring a professional design institute for the design, none of the dozens of employees at Tiantian Real Estate had professional knowledge of real estate development, and all of the employees were related to Cai Linfen.
Before Cai Linfen was about to enter the real estate industry, gossip that "Cai Linfen is going to make it big, Cai Linfen is going to get rich" spread among relatives, and everyone wanted to come and get a piece of the pie. Cai Linfen happened to be a "good guy", so anyone who wanted to come was welcome to come and was given a high salary.
Cai Linfen's relatives were all small-time Shanghainese. None of them had any business experience, let alone any knowledge of construction. Perhaps if they worked together, they could build a stove. One could imagine how Tiantian Real Estate, a group of ragtag people, would run the project.
The Tianfu Garden project, which cost nearly 400 million yuan and is worth more than 500 million yuan, is so ridiculous that it does not even have a development project estimate or budget. It is completely like walking on a banana peel and going wherever it slides to.
As a result, the relocation of only two high-rise plots was barely completed, and the 20 million yuan of her own funds that Cai Linfen had accumulated over many years of hard work had been exhausted, and the relocation cost was several times higher than normal.
Then, Cai Linfen split the entire project into small pieces and obtained mortgage loans from 12 banks, including fraudulent duplicate mortgages. Since Tianfu Garden is in an excellent location and has great potential for appreciation, the banks were very optimistic about it and did not conduct a strict review of Tiantian Real Estate's loan applications, so they "failed" to detect some of the duplicate mortgage tricks.
As a result, the financial staff under Cai Linfen used all their skills to actually obtain a huge loan of 460 million yuan, which exceeded the total cost of the project.
In the context of a general lack of funds for real estate development in Shanghai, Cai Linfen's loan performance, or financing ability, made her feel proud, and she thought that developing Tianfu Garden would be an inexhaustible treasure trove. Sufficient funds are a blessing for real estate development, but for Cai Linfen, it was a death knell.
Due to sufficient funds, Cai Linfen became extravagant. Although she signed for all the company's expenses, she never reviewed them carefully. Instead, she just signed without even bothering to look at the numbers or care about the purpose of the expenditure. She just approved the expenditures as soon as she was given the order, and she was very happy.
The financial staff under her took advantage of this characteristic and opened a large number of accounts for their own convenience and to improve the relationship with the bank.
As a result, the 460 million yuan of funds that were enough to complete the entire project were used up before the two high-rise buildings were even half built. Even Cai Linfen herself could not believe that the cost would be so high.
But she had to drink the bitter wine she brewed herself, because she had no ability to find out the black holes in the use of these funds. What's more, her employees were all royal relatives, so how could she keep a straight face?
When Nan Yi heard Huang Xie say this, he felt extremely sorry. If he had noticed Cai Linfen earlier and sent someone from the bad crowd group to Tiantian Real Estate, he could have legally and reasonably swindled more than 100 million yuan.
With funds running out, Cai Linfen had no choice but to mobilize her staff to try to get more money from the bank. However, Cai Linfen no longer had any real estate or development projects to mortgage, and no strong company was willing to guarantee her. In addition, banks had adjusted their lending policies, tightening lending to the generally depressed real estate industry, and reviewing loan applications more strictly than ever before.
Cai Linfen was not willing to sit there and wait for death. She was in a dilemma and swore that she would build the building even if it meant drinking poison to quench her thirst.
Her vow reached the ears of some corporate executives who had spare funds and were well-informed, and they all extended a helping hand to Cai Linfen, offering her hand-in-hand loans.
Cai Linfen is not a human being. She is really a fairy from heaven. She knew there was a tiger in the mountain but she went there anyway. She mobilized her employees to look for "hand in hand" partners. As a result, in just over 10 months, Tiantian Real Estate borrowed 560 million yuan from more than 220 companies, of which 120 million yuan was used to buy money.
Some of these companies that are good at this not only deduct high interest, but also require Tiantian Real Estate to mortgage the unit property rights certificates of commercial housing to them.
Another 400 million yuan was remitted into Tiantian Real Estate's account, which was enough to build another Tianfu Garden. The total value of Tianfu Garden was only more than 500 million yuan, but Tianfu Company's loans and borrowings had reached 1.02 billion yuan. How would Cai Linfen repay the deficit of more than 500 million yuan after it matured, and what would she use to repay it?
Nan Yi guessed that Cai Linfen had thought of this difficult problem before she decided to hold hands. She was the kind of person who would be taken with someone else before they died, and she had nowhere else to go. All she could do was to live one day at a time, continue to build the building, and love each other as if every day were the last day.
After Hand in Hand, Cai Linfen kept two lovers at Tiantian Real Estate, each of whom received a monthly salary of 50,000 yuan. All other food, drink, and toilet expenses were signed by the company, which meant that she did not have to spend a penny of her salary.
That’s not all. Cai Linfen lives an extremely luxurious life. If she doesn’t spend 700,000 or 800,000 yuan a day, she will feel bitten by ants. That’s so uncomfortable.
It is obvious that Cai Linfen is well aware of her miserable ending, so she tries her best to enjoy herself while she can still enjoy herself. After all, owing 100 million or 1 billion makes no difference to her. If she is caught and cannot die, she can wipe her nose, shed a few tears, make a few confession speeches, and pass it off.
Before the end of the world comes, all Cai Linfen has to do is enjoy it and delay it as long as possible.
Nan Yi was guessing what Cai Linfen would do next. It was impossible for him to get another large loan. According to Huang Xie, Cai Linfen was already very famous, and the friendly merchants of Shanghai Real Estate were all waiting for her building to collapse.
Since it is impossible to get a loan, the only option is to build two buildings, and then, out of nothing, create something secretly and sell the two buildings as the fourth, or even the sixth or eighth building. It is possible for one house to have six or seven owners.
These are matters for the future, and how to deal with them will be a headache for other creditors. What Nan Yi needs to consider now is how to help Lin Qin get back the principal and interest of about 56 million. As long as the loan is recovered smoothly, Lin Qin will be safe.
Liu Zhen's words "we are like sisters" pushed Nan Yi against the wall. He only hoped that Cai Linfen and her bunch of maggot relatives would not be too cruel. It would be better if Tiantian Real Estate had over 100 million yuan in its account and could not be stuck at 56 million. Otherwise, once the funds were withdrawn, Tiantian Real Estate would easily collapse on the spot.
When a hornet stings someone, the person who takes the blame is naturally the one who poked the hornet's nest. No one would be stupid enough to find out why the hornet appeared, otherwise there would be another person who poked the hornet's nest in the world.
Nan Yi thought for a while, then went back to the second floor and came to Lin Qin, who had calmed down.
"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 carefully. Based on the information I know now, Cai Linfen is suspected of contract fraud or fund-raising fraud, as well as misappropriation of company funds. The amount is huge. If someone comes forward to sue Cai Linfen, she will not be able to escape for at least ten years.
I will collect more information so that you can be more targeted, and you should also make an effort to rationalize your 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 luxurious life. Hurry up and check how much money is in Tiantian Real Estate's account. Be careful and don't let go of any related personal accounts. Check all accounts opened in the name of Cai Linfen and Tiantian Real Estate staff."
After Nan Yi finished speaking, he took a piece of paper from the table and wrote down a phone number on it. "When you are unsure, call this number and ask which Tiantian Real Estate's financial officials they can accuse. This is very important. We need to open a gap within Tiantian Real Estate."
Lin Qin looked embarrassed, "Tiantian Real Estate's account is not in our bank."
"Can't handle it?" Nan Yi said with a dark face, "Is it harder than handling the procedures for a 50 million loan?"
Lin Qin said tremblingly: "It's a bit difficult."
"Wake up your mind. I'm not putting a task on you now. You are trying to save yourself. Are you just going to sit here and wait to die?" Nan Yi pointed in the direction of the bathroom. "There is a mirror in there. Go in and take a look. Ask yourself who you are."
If Liu Zhen follows the usual practice, Lin Qin's problem this time can be solved with a few internal phone calls. However, making a phone call is easy, but the hidden dangers that come with it are difficult to deal with. First of all, Liu Zhen's transcendence will be lost, and her purity will also disappear. Maybe it will become a time bomb that will explode at a critical moment in the future.
Since Liu Zhen asked Nan Yi for help, he had naturally abandoned the conventional way in his heart, and wanted Nan Yi to solve the matter in an unconventional way. After all, Lin Qin was separated from Nan Yi by a layer, and their relationship was not that close. He could come to clean up Liu Zhen, but Lin Qin had to take the initiative to save himself. He was not a eunuch, and if the emperor was not anxious, he would not be anxious either.
After a while, Lin Qin started to move.
When Nan Yi left the cafe, he called Liu Zhen and told her that he was already working on it.
For dinner, Nan Yi made an appointment with Chen Dan just to reminisce about the past. He did not mention anything about Lin Qin and also said that the reason for coming to Shanghai was business.
It was said unintentionally, but it became intentional later. After separating from Chen Dan, Nan Yi thought about how to earn back the money spent on this trip to Shanghai.
