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

Chapter 286 Penetrating Audit!

Weiguang Building, 24th floor.

This is a temporarily designated "audit no-go zone".

Seven whole days.

There is neither day nor night here.

Only the pale light from the fluorescent lamps shone on the desks piled high with case files.

"Snapped!"

A red ballpoint pen was slammed onto the table.

The pen cap flew off.

Zhang Zhengyi rubbed his bloodshot eyes, took off his reading glasses for the umpteenth time, and looked at the thick loan records in front of him.

He felt like he was going crazy.

"What a mess! It's utterly a mess!"

Zhang Zhengyi pointed to a line of text on the case file, his fingers trembling.

"Wang Ergou is unemployed, lives in an internet cafe, and even has a record of being detained for fighting."

"People like that won't even be allowed inside the bank."

"Weiguang actually lent him 15,000?!"

The young auditor opposite him carefully handed him a glass of water.

"Team leader, but..."

"But what?" Zhang Zhengyi stared, "Isn't this obviously a bad debt? Can this money be recovered? If it can be recovered, I'll eat this table!"

"But..." The auditor swallowed hard, pointed to the computer screen, "The system shows that this Wang Ergou just paid back the money yesterday, three days in advance."

"What?"

Zhang Zhengyi was stunned.

He snatched the mouse and stared intently at the transaction history on the screen.

[Borrower: Wang Ergou]

[Amount: 15,000.00 yuan]

Status: Settled

"impossible……"

Zhang Zhengyi muttered to himself, "This doesn't make sense. This kind of social scum would definitely squander the money on gambling. How could he possibly pay it back?"

"Investigate! Investigate the source of the funds!"

"Was it someone else impersonating Weiguang? Was it a case of using new money to pay off old debts?"

"Team leader, we've checked." The auditor's voice trailed off. "The source of the funds is... his wages from delivering food on Meituan. He completed 1600 orders this month, making him the top-performing employee at the station."

Zhang Zhengyi remained frozen in his chair.

Delivering takeout?

Single King?

That thug with a record of administrative detention?

"And this one." The auditor pulled up another file: "Li Cuihua, a rural woman, illiterate, borrowed 5,000 yuan. Wei Guang not only lent her the money but also gave her a 50-yuan red envelope."

"And the result?"

"She used the money to buy piglets, and now the pigs are ready for market. She sold them for 8,000 yuan, paying back all her principal and interest. She even gave Weiguang customer service a banner in appreciation."

Zhang Zhengyi looked at those cases, one after another, which completely overturned his thirty years of experience in the financial industry.

That feeling.

It's like an old professor holding a Newtonian mechanics textbook suddenly seeing someone flying in the sky.

Cognitive collapse.

"No...something's definitely wrong."

Zhang Zhengyi slammed the file shut.

He didn't believe it.

He doesn't believe that there is such a thing as credit in this world that doesn't require collateral or guarantees.

"This is survivor bias!"

"This is data fabrication!"

"There's definitely a huge problem hidden in these 50,000 samples! This is just a fabricated record by Lin Che to pass inspections!"

Zhang Zhengyi stood up and paced back and forth in the narrow aisle.

The leather shoes made a dull thud as they stepped on the floor.

"Two hours left."

He glanced at the clock on the wall.

It was 4 a.m.

With only a final window remaining before the hearing at dawn, the timeframe is now closed.

"Wake up all the auditors!"

Zhang Zhengyi roared, "Dig up all those overdue, defaulting, and missing accounts!"

"I refuse to believe that this 500 million yuan fund is entirely clean!"

"As long as I find a dirty secret, I can nail Lin Che to the pillory of shame at tomorrow's hearing!"

……

Top floor, CEO's office.

There's no smell of medicated oil here, only a faint sandalwood scent.

Lin Che sat on the sofa in front of the floor-to-ceiling window, holding a book in his hands.

Antifragile.

Nassim Taleb's classic work.

Outside the window, the night view of Hangzhou is gradually fading, and the darkness before dawn envelops the city.

"Boss."

Xie Yu pushed open the door and came in, carrying two freshly ironed suits.

One outfit was dark blue, and the other was pure black.

"The investigation is still ongoing downstairs."

Xie Yu hung his suit on the hanger, his voice tinged with worry, "That Zhang Zhengyi is a ruthless character. I heard he turned our server logs upside down, even the scraps of paper in the trash can."

"Let him investigate."

Lin Che turned a page of his book without looking up.

"The more detailed the investigation, the better."

"Only the most rigorous doubts can highlight the most solid truths."

He closed the book.

The words on the cover gleamed under the lamp: "The wind may extinguish a candle, but it can make a fire burn brighter."

Lin Che stood up and walked to the clothes rack.

My fingers traced the dark blue suit.

That was the battle armor he prepared for tomorrow.

"Xie Yu".

Do you know why Zhang Zhengyi works so hard?

Xie Yu was taken aback: "Because he wants to gain merit? He wants to kill us?"

"No."

Lin Che shook his head, a complex emotion flashing in his eyes.

"Because he was afraid."

"He's not afraid of me, nor of the glimmer of light."

What he fears is losing control.

Lin Che buttoned up his shirt, one button at a time.

The movements were elegant and composed.

"In his view, finance is a sophisticated dam that must be strictly guarded against, as any uncontrolled drop of water could lead to its collapse."

"And me."

"It's the guy who dug a hole in his dam."

Lin Che turned around and looked at the first hints of dawn outside the window.

Memories of my past life flooded my mind.

It was late autumn of 2020.

It was also a regulatory storm.

That once invincible behemoth was put on hold on the eve of its IPO.

That was also due to arrogance.

It's also because they don't know how to respect others.

But this time.

Lin Che looked at himself in the mirror.

Young, sharp, and... well-prepared.

"I am not an ant."

Lin Che straightened his tie in front of the mirror, smoothing out every wrinkle.

"I won't pause either."

"I want them to know that dams can't stop floods."

"The only way out is to turn the flood into a canal."

……

7:30 a.m.

Downstairs at the Weiguang Building.

Dozens of media outlets had already set up their cameras and microphones.

The flashes of light resembled a white ocean.

Several black Hongqi sedans slowly came to a stop.

The car door opened.

Zhang Zhengyi came out.

He had huge dark circles under his eyes and was clutching a black briefcase tightly in his hand.

That was his weapon.

It was the cannonball he had prepared to fire at the hearing after seven days and seven nights of hard work.

"Team Leader Zhang! Is Weiguang involved in any illegal fundraising?"

"Team Leader Zhang! I heard that Weiguang's bad debt rate has skyrocketed?"

Reporters swarmed around.

Zhang Zhengyi did not answer.

He merely glanced coldly at the building's entrance.

That was the entrance to the battlefield.

Followed by.

The door opened.

Lin Che came out.

He wore a dark blue suit, a white shirt, and no tie.

It was still that signature, enigmatic smile.

He met Zhang Zhengyi on the steps.

One on one.

Their gazes met in mid-air.

No sparks.

Only deathly silence.

"Finished the investigation?"

Lin Che spoke first, his tone as relaxed as if he were asking a neighbor if they had eaten.

"The investigation is complete."

Zhang Zhengyi patted the briefcase in his hand, his eyes sinister. "President Lin, your 'good days' are over."

"Yeah?"

Lin Che turned to the side and made a "please" gesture.

"Let's go then."

"Go to all the bank presidents in China."

"The next lesson."

……

8:00 AM.

The scene of the hearing.

This is not a dimly lit meeting room, but the Hangzhou Financial Conference Center, which has been requisitioned.

The audience was packed.

The first row consists of leaders from the People's Bank of China, the China Banking and Insurance Regulatory Commission, and the China Securities Regulatory Commission.

The second row consists of the vice presidents of the four major state-owned banks: ICBC, ABC, BOC, and CCB.

Behind them was a dense crowd of media and scholars.

This is more than just a hearing.

This is a trial.

It was also a siege of the new species by the old order.

Lin Che sat in the defendant's seat.

All alone.

Opposite them was Zhang Zhengyi's twelve-person investigation team.

The disparity in their power and influence is enormous.

"Young people these days are really arrogant and ignorant."

In the audience, an elderly bank president with graying hair shook his head. "What's with this behavioral finance? Isn't this just nonsense?"

"Just wait and see."

Another bank manager standing nearby sneered, "The bag in Butcher Zhang's hand must contain irrefutable evidence of Weiguang's bad debts. After today, there will be no more Weiguang installments in the world."

Only Xie Yu sat in the corner.

He was clutching the laptop tightly in his arms.

My palms were sweaty.

That was the data Lin Che asked him to decrypt last night.

That was a nuclear bomb.

"Quiet."

The presiding judge struck the gavel.

The sound echoed in the empty hall.

"Hearing regarding Weiguang Technology's suspected illegal operations and systemic financial risks."

"Let's begin."

Zhang Zhengyi stood up.

He opened his briefcase and took out a document.