Investors have no homes to return to, and the company's employees are not much better off.

Amid the anxious wait, the Public Security Bureau issued an announcement requiring those suspected of illegal fund-raising on the p2p platform to return all the wages, commissions, bonuses and other income they received while working for the company to a designated account.

From department managers to business support staff or other personnel who provide assistance in raising funds, all are included.

Now, everyone was dumbfounded.

"Why?!" someone shouted, "My money was also defrauded! I am also a victim!"

The police officer said: "You were defrauded of 200,000 yuan, but you instigated hundreds of people to buy financial products, and the amount involved was as high as 30 million yuan."

"If the suspects actively cooperate, return the stolen money and make compensation, and sincerely confess their crimes and repent, they may be given a lighter sentence."

"So uncooperative..."

The police officer didn't say the following words explicitly, but I guess they weren't good things.

"Comrade police officer, I resigned half a month ago!" Xu Xiaoan tried his best to distance himself from the matter.

The police officer flipped through the documents, his expression intriguing. "You worked for the company for two years, and just happened to resign before the platform closed down? Your performance has been good over the years, so your offense is not minor, and you cannot be exempted from punishment."

Xu Xiaoan was angry and anxious. If she had resigned when her cousin reminded her, she would not be blamed for the platform problems now.

But now, just because I didn’t stand firm and leave immediately when I resigned, I am called to the police station every now and then to cooperate with the investigation!

Judging from the other party's implicit meaning, even if he is willing to cooperate and voluntarily return the stolen goods and make compensation, he will only be given a lighter sentence, not exempted from punishment...

There were many people involved in the case, and the investigation lasted a long time. In the end, Xu Xiaoan returned all the illegal gains, but a black mark was left on his file, and he would not be able to pass any exams or political review in the future.

Upon learning the result, Xu Xiaoan’s eyes went dark.

She never imagined that what she considered a "good job" with generous benefits and high salary would push her into such an embarrassing situation.

"I was just working hard, what did I do wrong?" Xu Xiaoan cried, "I was deceived too!"

Unfortunately, no matter what she said, everything was irreversible.

**

Three years later.

Freeze the remaining funds of the platform, auction and liquidate the platform's own assets, collect debts from those who deliberately default on their payments, and file lawsuits in serious cases...

The judicial authorities pursued the funds through various channels and finally recovered part of it.

Once the work is completed, the funds will be formally cleared.

It took three years, and the final refund ratio was 33%. Employees, financial planners, criminal defendants, and damaged fundraising participants who did not participate in the information review and registration (= did not report the case) were not included in the refund scope.

When the news came out, some people were happy and some were worried.

Some people say that after waiting for so long, only 30% of the refund is too little!

Some people were overjoyed. They thought they would never get their money back, so it was a good thing that they could get it back.

Most people are mixed. It is a good thing that some of the money is coming back, but... what should I do with the relatives/friends/acquaintances who were dragged into the trap by me?

I caused someone to lose a lot of money for no reason. How can I have the nerve to say hello to him when we meet in the future?

Of course, some people don’t have to consider this issue because when the platform first encountered problems, relatives and friends severed ties and no longer had any contact with them.

For some people, financial loss is a minor matter, but the psychological blow is more serious. The criticism from relatives, the accusations from friends, and their own guilt make them depressed.

Some people even unfortunately passed away without waiting for the result.

**

Some people are struggling in hell, while others are not implicated and live their lives peacefully, like He Xin.

Because of my hard work, I earn a lot of money every month. As soon as I get my salary, I pay off my mortgage and put the rest in the bank.

Although life is boring, it is stable. The mortgage is getting smaller and smaller, and the savings are getting bigger and bigger, which gives me a full sense of security.

In addition, few of her colleagues love their work as much as she does. At the end of each year, He Xin receives equity rewards from the company.

Accumulating year by year, it has reached 50,000th.

In addition, the real estate industry has been developing rapidly in recent years, with an annual return on net assets exceeding 30% (return on net assets = net profit/net assets). In just five years, the company's market value has risen from 1 billion to 4 billion.

At the end of this year, the company expects to make a profit of 1.3 billion. (40*0.325=13)

I heard that the leaders held a special meeting and decided to distribute 30% of the net profit as dividends.

And she owns 50,000th of the shares...

1.3 billion*0.3*0.0005=0.00195 billion=195,000.

In other words, the dividends received each year alone are more than one year's salary.

"No wonder Yun Luo said that a good company has growth potential, and the dividends alone will be enough to live on in the future." He Xin let out a sigh.

**

"The company has passed the review and can finally go public!" As soon as the news came out, it spread throughout the company in an instant.

"That's great, we will be a listed company from now on!" Someone high-fived in celebration.

He Xin was extremely puzzled, "The company's listing has anything to do with us?"

"You don't understand this." A salesperson smiled mysteriously, "The shares of listed companies can be bought and sold. When a new company goes public, the price will be hyped up."

"Just think about it, the company's market value is 4 billion. If it is hyped up to 10 billion, the value of our shares will double, and it can also increase by 2.5 times!"

"By then, owning one ten-thousandth of the shares will make you a millionaire (10 billion*0.0001=1 million), and owning one thousandth of the shares will make you a multi-millionaire (10 billion*0.001=10 million)."

He Xin: But I never thought about buying or selling stocks.

She was very confused, as if she had encountered a century-old problem.

After some hesitation, the company submitted documents, completed formalities, and officially went public.

How about selling all the shares on the first day of listing? This thought flashed through He Xin's mind.

Later, I read a lot of information and studied stock knowledge before I finally understood what was going on.

Before going public, the company's market value was 4 billion, and shareholders' equity was calculated based on percentage.

After listing, the company's market value is still 4 billion, and all the shares owned by shareholders are converted into stocks.

If the issue price is 20 and the total share capital is 200 million, then her shareholding of 0.05% is 200 million*0.0005=100,000 shares.

After a company goes public, it may be hyped up. For example, 20 yuan is a reasonable price, but after hype, the stock price may become 15 yuan, or 50 yuan or 100 yuan.

Fortunately, the company will still pay dividends every year after its listing.

Previously, the division was based on the shareholding, but after listing, it was based on the number of shares held.

However, after calculation, it was found that only the wording changed, and the actual dividend ratio did not change, which was still 0.5%.

She was too lazy to bother with the account, so she left it aside, taking out the dividends regularly each year and letting the stock price fluctuate the rest of the time.

Since then, He Xin has had two sources of income.

One is salary income, which is proportional to her diligence. The harder she works, the higher her sales volume and the more income she earns.

One part is dividend income, which is linked to the company's annual profit. Even if she does nothing, as long as the company runs normally and has considerable profits, the dividend will be paid on time once a year.

A few years passed and He Xin received a lot of dividends.

As the company expanded, the stock price rose higher and higher. In the end, the market value of the stocks held alone exceeded tens of millions.

The author has something to say:

The well-known Ezubao involved 900,000 people in China. It was closed down in December 2015 and the funds were cleared on January 16, 2020, which took four years and the refund ratio was 35%.

**

Why do people say that stocks will make you rich when they are listed? When new stocks are listed, funds tend to speculate.

The original market value was 4 billion, but it was hyped up to 20 billion, and the wealth of all holders increased fivefold.

The most famous one is Baofeng Video, which had 30 daily limit increases in 31 days, with a peak of 327 yuan. Afterwards, it fell all the way to 20 yuan. It closed at 2.93 yesterday (including dividends and bonus shares over the years, the actual price is no more than 8)