Zhang Dahe suddenly remembered something. When he went to the company to check the loan usage yesterday, he passed by a factory under construction.

There are many factories under construction in the BHX area because the favorable conditions here attract many investors. Therefore, there are companies starting construction almost every month.

But after Zhang Dahe walked past the factory, he felt something was wrong.

Zhang Dahe has been in Binhai for more than three years and has seen many companies rising from vacant land, but this factory, which started construction two years ago, makes Zhang Dahe feel that something is wrong.

However, this factory had no business with the Binhai branch where Zhang Dahe worked, so Zhang Dahe had no way of finding out what was wrong with the factory by checking the accounts.

"The end result of disorderly competition among banks is that banks and businesses suffer. Who benefits? Those with ulterior motives..."

Li Cheng continued to speak, and Zhang Dahe decided to wait until Li Cheng finished speaking and then ask Li Cheng to go there to see if there was really anything wrong.

After Li Cheng finished speaking, he declined the invitation of the new district leaders to accompany him, saying that he wanted to take a look around on his own. Then he and Zhang Dahe drove to the factory that Zhang Dahe thought was not right.

On the way, Zhang Dahe said, "Factories in the new district generally don't lack funds, so in the early stages they all work overtime to rush production as soon as possible. But this one is different. It looks like they're slacking off, and the workers look lazy..."

What Zhang Dahe said made Li Cheng, who was very familiar with corporate operations, feel that something was wrong.

This is the result of Li Cheng, Zhang Dahe and others frequently going deep into enterprises, and they can tell whether a company is good or bad from some clues.

You can do what’s written in the account books, but there are some things that cannot be concealed.

For example, everyone thought that there was nothing wrong with the fertilizer plant in the city, but Li Cheng only took a walk around the fertilizer plant's coal yard and realized that the fertilizer plant was in trouble.

The high-quality coal that should have been used has been replaced with low-quality coal at a low price. It is obvious that the fertilizer plant can no longer sustain itself.

It was at this time that Li Cheng acted quickly and took possession of the fertilizer plant's land. When the fertilizer plant declared bankruptcy, other banks realized that their most valuable assets had already been taken away by someone else.

Sensitivity has always been an essential ability for investors that Li Cheng emphasized.

Zhang Dahe's car was blocked outside the factory gate. Zhang Dahe got out of the car to negotiate, but the gatekeeper simply emphasized that this was a construction site and outsiders were not allowed to enter or leave.

Zhang Dahe didn't want to argue with the gatekeeper, so he muttered, "It's like he's never seen a construction site before," and then returned to the car.

Yang Hong joked, "I never thought! There's a threshold here that you, Zhang Dahe, can't enter."

Zhang Dahe snorted and started making a phone call. Not long after, several men in uniform arrived and took Li Cheng and others into the factory.

Li Cheng and others looked around and to be honest they couldn't see anything abnormal, but Li Cheng just felt something was wrong.

Normally, a factory would build a factory building first, and then bring in and install the equipment after the building is completed... This is the normal process, and Li Cheng and others understand it, but the people in this factory don't seem to understand it very well.

Otherwise, they wouldn't have shipped the equipment before the factory was completed, and piled it up in an open space, exposed to the wind and rain.

Although these machines and equipment are packaged, this is a coastal area and the sea breeze carries saline and alkaline air, which will definitely affect the equipment over time.

"Zhang Dahe, do you think it's appropriate to put these machines and equipment there?"

Zhang Dahe shook his head and said, "It's definitely not suitable! The owner of this factory is crazy. The factory building hasn't even been built yet, but the equipment has arrived."

Li Cheng also looked at the equipment and said, "It seems that this is not a funding issue. On the contrary, the funds are relatively ample. Otherwise, holding back on the equipment is like holding back on money, unless he is not taking out a loan, or there is something wrong with the equipment."

Zhang Dahe blinked and suddenly whispered, "President Li, let's ignore it and see which bank is unlucky."

Li Cheng knew that Zhang Dahe and he were of the same mind, so he said with a smile: "Zhang Dahe, you are very mean!"

Zhang Dahe said angrily, "I'm bad? It's because I'm not bad that they dare to poach my employees and cause me to lose some clients."

Li Cheng smiled. Zhang Dahe's branch was the only one in this area at the beginning, but Li Cheng agreed to allow other banks to move in for the sake of the overall situation.

But at this point, those banks have become Zhang Dahe's competitors.

Li Cheng and Zhang Dahe had already guessed the factory's problems, but both knew there was nothing they could do about it and could only watch the bank suffer.

This is an upgraded version of loan fraud and also the ceiling of loan fraud.

The only loopholes lie in these machines and equipment that are exposed to wind and rain.

If Li Cheng's guess was correct, these machines and equipment were either refurbished second-hand, outdated, or had problems with core components.

Li Cheng and Zhang Dahe didn't understand the details either, and this required professional evaluation.

However, even if professionals say that these machines and equipment are worthless, the owner of this factory will say that he has been cheated and you still can't do anything about it.

This is a relatively perfect scam, and the target of the fraud is the bank.

Not only these machines and equipment, but also this land and the factory building under construction are all part of the scam.

If Li Cheng had not seen this kind of scam before and reminded Zhang Dahe, these two people probably would not have known that it was a scam.

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