Wang Wenjun pushed the door and saw Lin Qiang changing his shoes with his back, and casually said, "Yeah, I'm back so early today."

Lin Qiang pretended to have just arrived home, turned around and smiled, "Yes, I have gained a lot, it depends on the game tonight."

"Tonight?" Wang Wenjun pursed his lips, "That person is really fat enough, it's time to slaughter."

Lin Qiang raised his sword and fell: "The handsome detective has confirmed that they have a game tonight, and I want to catch the offender in bed."

"It's hard for Zheng Shuai." Wang Wenjun changed his shoes and leaned on the sofa and smiled. "Living with Zhang Jiaming every day is just to peek at his phone and inquire about information."

"How is your progress?" Lin Qiang walked behind Wang Wenjun and asked while rubbing her shoulders.

"If you find out clearly, it should be to cover up the problem of the insurance company executive in the previous period." Wang Wenjun took out a dozen information from his bag and handed it to Lin Qiang.

When Lin Qiang got the information, he stopped rubbing her shoulders and looked through it with great concentration.

"You guys! You'll dump others after using it!" Wang Wenjun said unhappy.

Lin Qiang only stared at the materials: "Guan Xiaodie, executive president of Ocean Insurance, three months ago, fled to Panama with a huge sum of 300 million yuan. He was arrested two weeks later, at the age of 28..."

"28 years old?" Lin Qiang was dumbfounded, "Is there 300 million people at the age of 28?"

"It's amazing..." Wang Wenjun stood up and patted Lin Qiang, "If it breaks the law, you have a chance."

"Stop making trouble..." Lin Qiang shook his head, "How did you do it at 28 years old, 300 million?"

"Hi, it's a bit exaggerating to say 300 million. It shouldn't be that much, but no one can know exactly how much it is." Wang Wenjun explained, "It's your bank, so you won't be unfamiliar with the insurance industry, right?"

"Well..." Lin Qiang lowered his head and looked through the information, nodding, "Taking the insurance period as a one-time lump-off sale... He is too bold, no wonder he can involve the Audit Office. This is too much, too obvious."

"I don't understand it very much. What does the issue and lump sum mean?"

"Two ways to buy insurance." Lin Qiang explained. "Insurance is usually divided into two types. One is how much money is spent at one time, how many years are insured, and then how to return dividends and profits. The other is paid in the period, which stipulates how much to pay each year. Then how to pay dividends every year. Overall, it is a one-time transaction and a gradual increase in investment."

"Then what did she do?"

Lin Qiang pointed to the materials: "It's obvious. She used the period as a lump sum deal, bullying her superiors and concealing her subordinates."

"I still don't understand!"

"Give an example." Lin Qiang continued, "There is a period of insurance payment. If you invest 100,000 yuan a year, you will be refunded 10% of your 100,000 yuan a year, that is, 10,000 yuan. Then, after 15 years, you will return the principal of 1.5 million yuan in one breath. Do you understand this? "

"Hey? In the end, I will return the full amount. There are 10,000 yuan a year, which is much higher than the bank's interest rate. It sounds like a profit!"

"Haha, aiming at that ten thousand will fall into a trap." Lin Qiang smiled, "Be careful, you have to invest 100,000 every year, and you have to snowball the profits in the stack. In fact, you did make a profit in the first year, but second, you have invested 100,000, and the profit is still only 10,000. Later, you invested 140,000, which is still 100,000. So actually, if you invest 100,000 a year in a bank account to make fixed deposits, the final profit will be much greater than this one."

"Ah? Yes, have you calculated it?"

"Don't worry, the first thing I did when I entered the bank was to count it... Or I would like to buy insurance myself." Lin Qiang smiled, "But despite this, insurance still makes sense. The reason is the word "insurance". Buying insurance is not to make money, but to protect the money. At the same time, you can give insurance an emergency. It is actually a good product. In addition, insurance can avoid taxes."

"Then what do you mean when Guan Xiaodie takes the period as a lump-off sale?"

"As I said just now, Guan Xiaodie reported the sales order to the company: invest 100,000 yuan a year, and a total of 15 years of insurance payment. What he reported to the customer was invest 1.5 million yuan in lump-insurance, and promised that the customer would return the principal and 10% of the profit in one year."

"Ah? Isn't Guan Xiaodie losing money like this? I will directly return 150,000 yuan and 1.5 million yuan in principal a year?"

"It depends on how you settle the score." Lin Qiang smiled, "For the company, it is right for as long as you receive 100,000 accounts this year, and the customer paid 1.5 million, and the remaining 1.4 million was in Guan Xiaodie's personal hands this year."

"Oh My God……"

"And then she makes this product crazy. More people know that she can directly return 10% of her profits in a year, and will be attracted by her. She uses the newly absorbed funds to fill the vacancy in the past, keep the situation going, and at the same time, the company's value will explode."

"Financial and other things... are so scary..." Wang Wenjun muttered, "The problem is that in the end, the holes are getting bigger and bigger, and there will always be times when they can't be filled."

"So you escape." Lin Qiang took a sip of water and said calmly, "I have to escape. To be honest, it is possible to use this method to finally sweep away 300 million."

"I understand..." Wang Wenjun thought to himself, "The China Insurance Regulatory Commission and the Audit Office will definitely discover such an obvious thing. It is impossible for her to hide it for so long."

"So after she was arrested, public opinion had a lot of opinions on the China Insurance Regulatory Commission and the Audit Office. Just take advantage of this opportunity, someone reported that the Director of the Financial Audit Department of the Audit Office deliberately sheltered this person and prohibited his subordinates from in-depth investigations. As long as they were supplemented with appropriate evidence or confessions about Xiaodie, they would be doomed in the early morning."

"But the key now is..." Wang Wenjun raised his lips and smiled, "The Discipline Inspection Commission has not found decisive evidence. Now it is at most proved that there was a certain degree of violation of discipline in the early morning, but it cannot prove that he had accepted bribes."

"That's right." Lin Qiang snapped his fingers, "They put pressure on Liu Ming and Xia Xin just to ask them to take the initiative to recruit bribes in the early morning, but these two people are not so easy to deal with."

"What about... Guan Xiaodie?"

"God knows." Lin Qiang shook his head, "If she admits that she has bribed Xingchen, then Xingchen will probably be really done."

"Some people are looking forward to her saying this..."

"None of these are the keys." Lin Qiang frowned, "What we want to prove now is that all the auxiliary certificates related to her in the early morning were fabricated."

"Yeah." Wang Wenjun nodded, "So that game tonight is quite important."

"Well, it's quite important."

"Then I'll go with you!" Wang Wenjun opened his bag and took out the professional essential SLR camera. "I'm a reporter after all! I'm scared them to death!"

"I'd better go by myself... This is something I'm going to do alone..."

"I'm just going my own way? Why did I suddenly use this word?"

"Ah? No." Lin Qiang sighed, "I decided to help Lingchen. You, Shuai Zheng, were all implicated by me."

"nonono." Wang Wenjun waved his hand proudly, "The meaning of our reporter's existence is to make the truth public!"

"So ignorant!"

"Bad! It's true!" After refuting Wang Wenjun, he lowered his head and said shyly, "Actually... the truth doesn't matter. Marry a chicken and follow the chicken, and marry a dog and follow the dog. Wherever you go, I have to follow it..."

"!!!" Lin Qiang was extremely moved in an instant. The haze that had troubled him before was swept away. He hugged Wang Wenjun and kissed him hard, "Good wife!"

“…not yet!”

"I'm already married in terms of mentality!"

Lin Qiang already knew it in his heart.

At least there was a girl in front of me who was willing to walk with me and walk to the end.

Xie Bin, you are wrong. A person’s opinion is not the whole.
Chapter completed!