Zhang Heng has never used online loans. If he wants to borrow money, wouldn't he go to a bank? There is absolutely no need to use online loans.
This sentence sounded like a clumsy excuse to him!
Pei Wenguang looked at Zhang Heng, whose eyes were red with anger, dumbfounded. How come he was fine with the first sentence, but his face immediately changed after the next sentence.
'Is it possible that he wants to default on his debt?'
At this time, Zhang Heng had no intention of paying attention to Pei Wenguang's expression. This bank loan was his life-saving money.
Without this loan, the company would be finished.
"Mr. Zhang, are you sure?"
"Sure! How can I not know about my own affairs?"
As the company's financial director, Wu Kaiming knows how much money is left in the company's accounts.
He didn't believe Zhang Heng took out an online loan.
Compared with bank interest rates, rounding off, online loans are equivalent to usury!
But the bank's assurances don't seem to be fake.
"Why don't you check the credit report yourself?" Wu Kaiming hesitated for a while and said in an uncertain tone.
"Okay, I understand."
After Zhang Heng hung up the phone, he looked at Pei Wenguang who looked confused and forced a smile.
"Lao Pei, I made you laugh. Don't worry, the money will be transferred immediately."
As a businessman, Pei Wenguang always has a friendly face. Although he is still a little worried in his heart, he still looks smiling on the surface.
"Old Zhang, you are overthinking, why don't I believe you?" After saying that, Pei Wenguang lowered his head and glanced at his watch, inadvertently revealing his Rolex, "Okay, the time is almost up, I will have some more later.
It’s okay, let’s go first.”
As soon as Pei Wenguang left, Zhang Heng hurried towards the financial office. He had to calculate how much money was left in the company's accounts and how much gap was left after deducting the arrears from suppliers.
He is not worried about the credit check because he remembers clearly that he has never borrowed any online loan, not even any Huabei or Borrower in Alipay.
"Old Wu, how much money does the company have on its books now?" Zhang Heng asked eagerly as he walked into the office.
Wu Kaiming was well prepared for this and replied without hesitation: "The combined accounts of several companies still have a little over 1.23 million left. After deducting the payables, there is still a gap of nearly 2 million.
"
"What's going on at ICBC? I rarely use credit cards, so why would I want to take online loans? Isn't this a bad excuse?" Zhang Heng said with a puzzled look.
Buzz! Buzz!
At this moment, Zhang Heng's cell phone vibrated.
Zhang Heng picked up the phone and took a look. He couldn't help but trembled all over, with a look of disbelief on his face.
Before he came to the financial office just now, he specifically asked a friend from China Construction Bank to check his credit report.
Now that the query results have been sent, the credit report is full of online loans he has borrowed recently, ranging from 70,000 to 80,000 yuan, as small as one or two thousand, and the total number of zeros and zeros totals nearly 800,000 yuan (some are listed on the credit report)
, some are not included).
'impossible!'
The first reaction in Zhang Heng's mind was to deny that he definitely did not borrow the money!
'Did someone borrow it in his name?'
'Yes, call the police! Call the police immediately!'
The moment he saw the credit record, Zhang Heng already knew that the bank loan would probably be impossible. Even if he was extremely sure that the money had nothing to do with him, it would take time for the police to pursue it.
The credit record cannot be erased for a while. As long as these loan records are still there, it is impossible for him to get a dime from the bank!
"Mr. Zhang? Mr. Zhang? What's wrong with you?" Wu Kaiming saw his boss's expression suddenly changed due to a message and couldn't help asking.
"Alas!" Zhang Heng sighed softly and said bitterly: "My personal information has been stolen. Those online loans are real."
"What!" Upon hearing this, Wu Kaiming's expression suddenly changed: "What about the remaining money?"
Zhang Heng said helplessly: "I'm thinking of a solution. Now I have to go to the police station. I'll call the police first and solve this matter later."
According to Article 4 of the "Interpretations of the Supreme People's Court on Several Issues Concerning the Specific Application of Law in the Trial of Fraud Cases", loan fraud of 20,000 yuan is considered a "large amount", more than 50,000 yuan is a "huge amount", and more than 200,000 yuan is a "huge amount".
The amount is extremely huge'.
The fraudulent loan amounted to more than 800,000 yuan, which was classified as a "particularly huge amount." The minimum period was ten years, and the maximum period was indefinite. After receiving Zhang Heng's report, the police station immediately arranged for economic investigation police officers to handle the case.
In fact, there are many people like Zhang Heng who have been defrauded of loans. This is not the first time that economic investigators have encountered this situation.
Generally speaking, there is a high probability that the money cannot be recovered, and it will be very difficult to obtain evidence, because these criminals who defraud loans are basically not in the country.
Even if you file a lawsuit with a bank or other financial institution, it may take a long time from prosecution to judgment.
After registering at the police station, Zhang Heng rushed to other places without stopping. He still had to find a way to fill the more than two million yuan hole.
After being around for so many years, Zhang Heng still has a few good friends. He really didn't want to open his mouth before, but now he really has no choice but to open his mouth.
However, after this lap, Zhang Heng was both touched and disappointed. What was touching was that a friend who was not usually close to him actually lent him money.
Disappointingly, those friends who called him brothers shunned him like snakes and scorpions, and the excuses for rejection were all kinds and eye-opening.
In the end, he borrowed more than 500,000 yuan, but this amount of money was simply not enough to plug the gaps.
Zhang Heng was so worried that his hair almost turned gray.
Is it possible to borrow money from a loan shark?
However, as soon as this thought arose, Zhang Heng was thrown out of his mind.
He dared not borrow money even if he dared to give it to loan sharks. If it was an occasional turnover, he would dare to do so, but the situation is different now.
He borrowed the money, but he wouldn't be able to replace it in a short period of time.
When the time comes, the profits will be compounded, no need to think about it, it will definitely be dragged down!
But if we don’t borrow it, where will the money come from?
More than two million yuan is not all the company owes. Before that, he begged his grandfather and grandma to appease a group of people, otherwise this number would have to be increased by at least half.
On the other side, at Hongqiang Cable, Li Jie returned to the company again after many days. His appearance in the company caused a sensation.
The door of the Civil Affairs Bureau was greenlit, and Huayuan Street acted bravely. These two short videos have gone viral in the local area. As colleagues, they must be more concerned.
They can understand being cheated. After all, 'Yu Huanshui' usually behaves like a loser and has no money. It is not surprising that his wife ran away with someone.
However, when the short video of the courageous act of justice went viral, it immediately shocked everyone.
If the media hadn't reported this incident one after another, who would have dared to believe it?