The richest man started taking advantage of loopholes after joining Alibaba.

15:30 PM.

Jiangcheng University Computer City.

Li Ming, a junior in college, stood in front of the counter of the "Alien" specialty store, his face flushed red.

He was clutching the Bank of China student credit card in his hand.

"Excuse me, classmate."

The store manager pushed the card back, his eyes showing a hint of nonchalant disdain.

"It won't load."

Li Ming panicked: "How is that possible? My card has a limit of three thousand!"

"This computer costs 18,000 yuan." The store manager pointed to the laptop that was flashing a cool blue light. "With your 3,000 yuan credit limit, you can't even afford a screen."

"Can I... pay in installments?"

"Installment payment?" The store manager took out a form from the drawer and looked at him like he was a thief. "Sure, fill out the form. You'll need a copy of your ID card, a copy of your student ID, a letter of guarantee from your parents, and an internship certificate signed by your counselor."

Li Ming was dumbfounded.

"I just want to buy a computer, and I need my advisor's signature?"

"Of course." The store manager chuckled, lit a cigarette, and said, "These days, college students have a ton of bad debts. Banks aren't charities. Who knows if you'll just run away after graduation? The approval process takes five business days, and they even call your parents."

Li Ming clenched his fist.

That feeling of being treated like a thief is like a needle pricking your self-esteem.

Five working days.

I also need to call my parents.

I can't buy this computer anymore.

"If you don't have much money, look at that one." The store manager pointed to a used Lenovo in the corner. "That one's cheap, two thousand."

Li Ming remained silent.

He turned and left.

This kind of humiliation is more painful than being poor.

……

Go back to dorms.

Li Ming slammed his schoolbag onto the bed.

"What happened? Didn't you manage to buy it?"

Li Ming's roommate, who was playing a game, glanced back and guessed most of what was going on from Li Ming's expression.

"Don't even mention it."

Li Ming said in a muffled voice, "Those bastards at the bank want me to provide an internship certificate. I'm only a junior in college, where would I get an internship certificate?"

"Tch, I told you not to go to the bank."

My roommate quit the game and tossed my phone over.

Use this.

"Micro-light Installment Payment"

Li Ming was taken aback: "Is this thing reliable? It's not some kind of predatory loan involving nudity, is it?"

"Loan sharks?" My roommate laughed, as if he'd heard a joke. "It was Lin Che who set it up! That Weiguang that crushed Alibaba on Singles' Day!"

"Hurry up, Old Wang next door just placed an order, and it was approved in two seconds."

Li Ming took the phone with some skepticism.

download.

register.

The interface is clean, without any fancy logos, just a dark blue swirl icon that looks like a deep eye.

[Click to apply for a credit line]

Li Ming swallowed.

My finger trembled as I tapped it.

"Biometrics verification in progress..."

A face scanning frame appeared on the screen.

Li Ming blinked at the camera.

They didn't make him fill out that bunch of disgusting forms.

They also did not ask him to upload his parents' ID cards.

They didn't even ask which school he went to.

Is this over?

At this moment.

The Weiguang Building houses an underground data center.

The Abyss system is running at full speed.

[Target: Li Ming]

[Data Source Integration: LBS Location, Consumption Habits, Daily Routine]

[Judgment Criterion 1: 92% library attendance rate (a characteristic of top students)]

[Judgment Criterion 2: Purchasing breakfast every morning at 7:00 AM (Extreme self-discipline)]

【Criterion 3: Stable weekend part-time income (with repayment ability)】

[Criterion 4: No nightclub spending, no gambling history (low risk)]

In the eyes of the bank, Li Ming was a "three-no" person: no income, no assets, and high risk.

But in Abyss's eyes...

Li Ming is a high-potential candidate with "extreme self-discipline, diligence, and A+ expected future income".

Lending money to this kind of person is a million times safer than lending it to those bosses who drive BMWs but gamble every day.

"drop."

In the dormitory.

A crisp notification sound interrupted Li Ming's random thoughts.

A burst of golden fireworks exploded on the screen.

【Congratulations!】

Your credit is excellent.

Credit limit: 20,000.00 yuan

[Currently available for withdrawal, instant arrival.]

Li Ming's hand trembled, and the phone almost hit his face.

"How much...how much?!"

He rubbed his eyes, thinking he had misread the decimal point.

One, ten, hundred, thousand, ten thousand.

Twenty thousand!

A full twenty thousand!

There was no collateral, no guarantee, not even a phone call.

In those three seconds of his blinking.

Weiguang gave him 20,000 yuan.

Holy crap!!!

Li Ming jumped out of bed, and the scream startled his roommate who was drinking water.

"Twenty thousand! Twenty thousand approved!"

"This is like handing out money! This is practically handing out money!"

The dopamine rush was a hundred times more intense than winning a team battle.

One second they were being humiliated by the bank over a few thousand yuan.

The next second, they were treated like VIPs.

This contrast is enough to drive any young person crazy.

"I told you so!" my roommate said smugly. "Hurry up and buy it! There are only a limited number of spots available now, they'll all be gone if you're late!"

"Buy! We absolutely have to buy it!"

Li Ming's hands were shaking as he directly searched for "alien" on the Weiguang Mall page.

Place your order.

in installments.

【payment successful】

[Weiguang Logistics is shipping the goods at lightning speed; they are expected to arrive at the dormitory building in 2 hours.]

There was no waiting.

There was no review.

At that moment, Li Ming felt that Lin Che was a god.

He is the God who saved him from poverty and shame.

……

At the same time.

The top floor of the Weiguang Building.

Lin Che looked at the almost vertical growth curve on the big screen.

[New users granted credit today: 3,000,000]

Total loan amount: 45 billion

Average approval time: 2.8 seconds

The data is impressive.

It was as beautiful as a grand fireworks display.

But Lin Che's face didn't show much joy.

He stood by the window, looking down at the straight road below.

There.

Several Audi A6s with black license plates were aggressively weaving through traffic with their hazard lights flashing.

Headed straight to the Weiguang Building.

"Boss."

Xie Yu rushed in, his face deathly pale.

They even forgot to knock on the door.

"They're here."

"The receptionist just called and said they were from the joint investigation team of the China Banking and Insurance Regulatory Commission."

"The one leading this is..."

Xie Yu paused for a moment, his voice very low.

"It's that infamous 'butcher' Zhang Zhengyi."

"It is said that none of the cases he handled came out alive."

Lin Che didn't speak.

He simply flicked the ash off his cigarette.

I saw those black cars parked in front of the building.

I watched as a group of middle-aged men in dark jackets with serious expressions got off the bus.

They were carrying briefcases.

It doesn't contain money.

It's a seal.

"Approved for 20,000 in seconds..."

Lin Che looked at the number on the screen that was still jumping wildly and smiled self-deprecatingly.

"From the users' perspective, this is like giving away money."

"From the regulator's perspective."

"This is creating trouble."

At this time.

A red system notification suddenly popped up in the lower right corner of Lin Che's computer screen.

It is not a dim light system.

Instead, it was a forced pop-up from the national administrative gateway.

[Notice Regarding On-site Inspection of Weiguang Technology Co., Ltd.]

[Level: Express]

Status: Taken over

The air in the entire office seemed to have been sucked out instantly.

The oppressive feeling emanating from the state apparatus made it difficult for everyone to breathe.

Xie Yu's hands were trembling.

"Boss, should we... disconnect the server data? Or encrypt it?"

"If we let them see our true lending logic..."

"Need not."

Lin Che turned around.

I tidied up that expensive custom-made suit.

There was no fear in his eyes.

There is only one kind of madness and composure a gambler displays when he is about to reveal his hand.

"disconnect?"

"Why disconnect?"

"Didn't they say I was running a Ponzi scheme? Didn't they say I was messing around?"

Lin Che walked to the door.

Through the glass door, he could already hear the noisy footsteps coming from the elevator lobby.

That was the sound of leather shoes stepping on a marble floor.

heavy.

Icy.

"Xie Yu".

Lin Che turned around, a strange smile playing on his lips.

"Put all the data on the table."

"Let's document every record of timely repayment over these three months, and every story of someone gaining dignity because they trusted us."

"Show them everything."

"I want them to know."

"They're not targeting just one company."

"It is the most authentic pulse of this era."

"Knock knock knock".

A knock came at the door.

No.

That was the sound of banging on the door.

"Open the door! Regulatory investigation!"

The door was pushed open.

The middle-aged man at the head of the group had a square face and sharp, hawk-like eyes.

He looked at Lin Che.

It's like watching a death row inmate about to be hanged.

"Lin Che, right?"

The man took out a red-headed document and slammed it on the table.

"I am Zhang Zhengyi."

"From now on, all of Microlight's servers, accounts, and cash flow will be taken over by the investigation team."

"in addition."

He sneered and pointed at the still-moving "total loan amount" on the big screen.

"Stop this thing."

"Is this handing out money or lending money? I think you're committing a crime!"

Lin Che looked at him.

There was no resistance.

He just said it casually.

"Team Leader Zhang."

"It is possible to stop."

"But can you bear the consequences?"