Chapter 232 Blood Boiling
Liang Jishen held the card, his face stern. "I just told him yesterday at noon that the shortfall was 150 million. Turns out he knew about it the day before yesterday."
"He hired the supplier?" Cheng Xun was also shocked. "His game is really too big. He even extends his hand to other provinces."
He Sang was confused. "What is an underground bank?"
Cheng Xun glanced at her. "It's a private financial trading market, mostly informal. The interest rates are higher than bank loans, and the repayment period is shorter, similar to loan sharking. Some clients who have been restricted from high-spending by the courts or have bad credit records with banks and want to start a business will seek loans from underground banks. It also involves overseas transfers by wealthy individuals, illegal foreign exchange settlements, and money laundering at casinos. Different banks have different activities."
"Liang Chihui borrowed high-interest loans to help you through this difficult time?" Gu Jianghai was surprised. "Aren't you two on bad terms?"
Liang Jishen fiddled with his bank card thoughtfully. "After Huang Biao and Feng Zhikui were arrested, Zhao Kai pried them open and found out the detailed profit breakdown of Guanghe Group over the past few years: 600 million. Yunhai Building's profit was 170 million."
"Net profit?"
"gross profit."
"Isn't this nonsense!" Gu Jianghai excitedly said, "Guanghe Group has contracted 70% of the projects in Hebei Province, and the gross profit is only 600 million? After deducting the costs of materials, labor, and rental, the net profit is less than 200 million, right? He makes an average of 20 million a year, and his entire business has capsized. What's he trying to achieve?"
"Feng Zhikui's overseas assets are worth more than 200 million yuan, and he still has to pay the salaries of executives and employees. These are completely fake accounts." Liang Jishen dusted off his cigarette ash. "Furthermore, Feng Zhikui owns no high-end real estate in China, has zero savings, and his car, which belongs to the company, is mortgaged to the bank. He remitted all his earnings overseas. Therefore, when Guanghe Group was seized, the assets confiscated amounted to only six figures. How did Feng Zhikui transfer the money overseas?"
Cheng Xun replied, "That must be an underground bank. The only people Feng Zhikui could trust to hand over his money are Huang Biao and Liang Chihui."
Gu Jianghai frowned, "Who could be the boss?"
"It doesn't necessarily have to be the boss. It could be the major shareholder, or even the second largest shareholder. Money houses have a lot of cash flowing through them, and they're often run by partners, who invest together." Cheng Xun asked, "What are you going to do?"
Liang Jishen put down the card and said, "I'll go to the western suburbs myself."
"What if Liang Chihui is really a shareholder of the bank? The employees there would know you, right?" Gu Jianghai felt uneasy. "If you go, can you find any clues?"
"They wouldn't recognize me." Liang Jishen put out his cigarette in the ashtray. "Regardless of whether Liang Chihui is the boss or a shareholder, since he's so well hidden, he probably never showed up. No one in the bank knows who's behind the scenes, otherwise the news would have spread long ago and he wouldn't be able to hide it."
Cheng Xun nodded. "Mr. Liang usually works in Hebei Province. If Miss He hadn't been transferred to a theater in another province, Mr. Liang would have had no contact with this place."
Gu Jianghai was concerned about Liang Jishen's safety. He was the CEO of Zhonghai Group, and he couldn't afford to take any responsibility if he got hurt. Secondly, he was also willing to dig deeper. Money houses are a nest of gold. If there were any violations, it would be a great achievement to catch them.
The most crucial thing is that if the supplier was bribed by Liang Chihui, this person is too powerful and has obviously started to attack Liang Jishen. You can stop him once, but you can't stop him ten times. Only by following the clues and finding the root cause can Liang Jishen be completely relieved, otherwise there will be endless troubles.
"Our local police are not available to show up, but they have sharp eyes and can see through it at a glance." Gu Jianghai rubbed his hands, "Thank you for your help."
Liang Jishen handed him his bank card and said, "You arrange for a new intern to come in with me and monitor me the whole time."
"I suggest Xiao He follow you." Gu Jianghai thought carefully. "In a bank like this, female bosses still go there to borrow money. There are both male and female employees. If you can't conquer the male employees, Xiao He can try to conquer the female employees. Even if there are no female employees in the bank, the male employees are less wary of women, so maybe he can take advantage of it."
Liang Jishen remained silent.
Cheng Xun said, "The bank isn't very dangerous, and there won't be any conflict. It's indeed easier to get things done with a woman."
Gu Jianghai looked at him.
After a while, he hummed.
......
The underground money house is located in a two-story teahouse in the western suburbs.
Most of the teahouses are antique buildings, but this one has a strange style and is not very eye-catching.
The first floor sells tea. There is a small door upstairs, with seven or eight tables and chairs, each with four or five men and women. It was dinner time, and a mutton hotpot was in full swing.
He Sang thought that underground money houses were like Macau casinos or chess and card halls, crowded with people and noisy, but in fact, they were surprisingly quiet.
As soon as they entered the door, everyone stared at Liang Jishen, as if they wanted to see through him.
He looked around and stopped to take out his cigarette case. A plainclothes officer holding a briefcase pretending to be a secretary was about to light a cigarette for him when He Sang took it and lit it.
Through the firelight, their eyes met.
She was full of energy, a very charming energy. Liang Jishen's heart skipped a beat and his blood boiled.
"After you take out the loan, you promised to give me a gift. Don't break your promise."
Liang Ji took a deep drag on his cigarette, and said impatiently, "You only know how to ask for gifts. I'm going to be bankrupt soon."
At the table by the window, a bodyguard cleverly called out, "Brother Wei, business is coming!"
Brother Wei, who was sitting in the center seat, was wearing an Armani top and a gold necklace weighing over 80 grams, looking very stylish.
"You look unfamiliar. Let's go downstairs to buy some tea."
Liang Jishen pulled the chair with one hand and said straight to the point, "Wouldn't you lend me your money if I'm a stranger?"
"It's not legal to borrow money. You need an introduction from someone you know." Brother Wei knew he was an expert and looked him over. "The bank has a low interest rate and it's insured. Why are you borrowing from here?"
"I can borrow money from the bank, why would I come to you?" Liang Jishen sat down, his posture wild and rough, his arms resting on the table. "My partner cheated me out of money, my assets are frozen, and I can't apply for a loan."
"Out of ten clients who come to us, six are like you." Brother Wei crossed his legs. "The remaining four have other uses for the loans."
Liang Jishen pretended not to hear and said, "I'm borrowing a large amount."
The vigilance in Brother Wei's eyes has subsided a lot. If Liang Jishen asks what other purposes it is, they will immediately expel him violently.
Customers who are really short of money are as anxious as ants on a hot pan. They are not interested in things that have nothing to do with them and just want to withdraw their money quickly.
Unless you are here to find out the details of the bank.
"How much?"
"100 million."
Brother Wei was disdainful, "Our largest client borrowed 200 million."
Liang Jishen bit his cigarette, the smoke making him half-close his eyes. "I don't believe that the bank has such a large cash flow."
"The owner of our bank has a fixed investment every year, far more than 200 million. Isn't the Liang Group in Hebei Province awesome? It's the only one of the four major families that hasn't declined. Our cash flow is several times greater than theirs."
"Your boss is quite arrogant."
"We have capital," Brother Wei said, shaking his head. "We have hundreds of clients. Think about it, can we operate without 20 to 30 billion in reserves?"
He Sang stood next to Liang Jishen. His resolute and handsome face remained calm, steady and sharp, without a trace of falsehood. However, he was also anxious, which was something this group of people were used to seeing, the desperate determination of the rich facing bankruptcy.
So true.
He can act whatever role he plays.
No wonder the province values him so much and orders him to take the lead.
"First time is strange, second time is familiar. Your old customers also started from strangers and became familiar. I am sincere in lending you money. If our cooperation goes well, I will connect you later. I have many friends who take risks. They have big business and are short of money. I will lend you 30 to 50 million. The interest will be your boss's, and you brothers will get a share of the kickbacks."
Brother Wei and his companions looked at each other. The temptation of taking kickbacks was too great.
Although the owner of the money shop is low-key and no one has ever seen him, his management methods behind the scenes are very strict. They dare not ask for kickbacks, and no customers are willing to give them.
"Wait a minute, I'll go call the manager."
Five minutes later, Brother Wei did not come out, but a tall and thin man came out. He looked like a business elite and a professional in finance.
He shook hands with Liang Jishen. "Borrow 100 million? The interest rate is 35.98%."
Liang Jishen smiled. "36% is the upper limit of interest rates for natural debt. Anything above that is illegal usury. You're quite good at avoiding risks. You're only off by 0.02."
The manager also laughed and said, "It's legal to eat, so we have to abide by the law."
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