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

"absurd!"

Zhang Zhengyi's voice was amplified by the microphone, and the entire hearing room could hear his voice.

He waved the credit report about "college student Li Ming" in his hand.

"A junior in college with only 1500 yuan a month for living expenses and no fixed assets."

"You gave him a credit limit of 20,000."

"Lin Che, tell me, if this isn't considered promiscuity, then what is?"

The audience erupted in uproar.

The vice presidents of the four major banks whispered among themselves, their faces bearing the expected sarcasm.

"Twenty thousand? This child would have to save up for a year without eating or drinking to pay it back."

"This is the harbinger of the subprime crisis; they're abandoning risk control in pursuit of scale."

Even the financial reporters sitting in the back row were shaking their heads.

In their minds, this is a typical internet money-burning scheme—first attract users, then fleece them, and finally leave a mess behind.

Facing universal condemnation.

Lin Che stood in front of the podium and slowly adjusted his cuffs.

He didn't look at Zhang Zhengyi.

Instead, he looked down at the tycoons in the audience who controlled trillions of yuan in Chinese financial assets.

"Team Leader Zhang."

Lin Che spoke up.

The voice was calm, without the slightest ripple.

"Do you think Li Ming can't pay it back?"

"Nonsense!" Zhang Zhengyi slammed the document on the table. "Does this even need to be considered? It's common sense! Whether it's the Basel Accords or domestic credit guidelines, this kind of client is standard junk asset!"

"common sense?"

Lin Che smiled.

He turned around and made a gesture to Xie Yu.

"Let's see just how ridiculous this so-called common sense really is."

The large screen lights up.

On the huge projection screen, two contrasting portraits appeared on the left and right.

Left side: [User A]

Position: Mid-level manager of a listed company.

Annual salary: 60 (after tax).

Assets: One property in Binjiang District, Hangzhou (valued at 500 million RMB), and one Audi A6.

Credit report: No overdue payments in the past five years, extremely high credit score.

Right side: [User B]

Identity: College student (Li Ming).

Annual salary: 0.

Assets: None.

Credit report: Blank (no credit history).

Lin Che pointed to user A on the left.

"Bank managers, if two people both walk into your branch and apply for loans, who do you lend to?"

"Is that even a question?"

The vice president of China Construction Bank couldn't help but interject, "Of course it's A, a high-quality middle-class individual who owns a house and a car. This is the kind of golden customer we're vying for."

"As for B..." He shook his head, "Turn left when you go out, don't bother seeing me out."

A low chuckle rippled through the audience.

This is a consensus in the banking industry.

The tendency to favor the rich and despise the poor is an inherent characteristic of finance.

"very good."

Lin Che nodded.

His gaze suddenly sharpened, like a scalpel, instantly cutting open the superficial abscess.

"But in my Abyss system."

"User A is a 'dead person'."

"User B is the 'gold'."

The entire audience was stunned.

Zhang Zhengyi frowned: "What nonsense are you talking about? How could someone with A's qualifications be a dead person?"

"Switch data".

Lin Che coldly uttered three words.

The image on the screen changed instantly.

The once impressive resume disappeared, replaced by the underlying behavior logs captured by the Abyss system.

That is the dirtiest secret that everyone tries their best to hide.

[User A: High-risk warning]

[Abnormal Geographic Location]: For the past three months, every weekend from 2:00 AM to 5:00 AM, the location has been displayed at The Venetian Macao Hotel.

[App Usage Habits]: A fake app named "Calculator" was detected in the phone's deep directory; it is actually an overseas gambling software. The average daily active time is 4 hours.

[Payment Transaction Insight]: Although the salary transaction history is normal, large sums of money are frequently flowing to unknown accounts through "second-hand Xianyu transactions".

[Social Circle Analysis]: A large number of phone numbers with sensitive keywords such as "loan shark" and "debt collection" have been added to the contact list.

Dead silence.

Just moments ago, he had confidently declared that A was a top-tier client, but his face instantly turned deathly pale.

It felt like swallowing a fly.

"These are the high-quality customers you see."

Lin Che's voice echoed in the conference hall, carrying a chilling calmness.

"He owns a house, but it has already been mortgaged twice to underground money lenders."

"He has a car, but that's his last fig leaf."

"His payroll records look great, but they were deliberately inflated to trick you into taking out loans."

"If you lend him money."

Lin Che pointed to the vice president.

"Tomorrow, he'll run away with the money, leaving you with a bunch of unfinished lawsuits."

No one spoke.

Only the air conditioner's vents were making a whooshing sound.

Zhang Zhengyi's Adam's apple bobbed. He stared at the screenshot of the gambling app, his palms starting to sweat.

This data... is completely invisible in the bank's credit reporting system.

This is the other side of privacy.

It is the abyss of human nature.

"Let's take another look at B."

Lin Che pointed to the poor student on the right.

The screen switched again.

There are no luxury cars or mansions, only mundane and heartbreaking details of daily life.

[User B: Li Ming - A Stock with Excellent Potential]

[Regular daily routine]: I get up at 6:30 every morning and go to bed at 23:00 every night. I am extremely self-disciplined.

[Consumption Downgrade]: The cafeteria accounts for 85% of the consumption, averaging 8 yuan per meal. However, on the 15th of each month, there will be an expenditure of 200 yuan to purchase "Brain Gold" or "Foot Health" products, with the delivery address being a rural area in Henan.

[Part-time work location]: Every weekend, I am located at KFC in the city center all day.

[Social Reputation]: WeChat group chat keyword analysis shows that the individual never participates in "group buying socialites" or "online loan platforms" groups, and is a regular member of "postgraduate entrance exam exchange groups".

"Did you see that?"

Lin Che walked to the screen and gently tapped the order record for "Brain Gold" with his fingers.

"He is very poor."

"But he lived a cleaner life than anyone else."

"He only eats eight yuan worth of food a day, but he's willing to spend two hundred yuan on nutritional supplements for his parents in the countryside."

"He worked at the KFC counter for three months to buy a computer, but he didn't touch those tempting predatory loans."

Lin Che turned around.

His sharp eyes scanned the entire room.

"Team Leader Zhang, bank managers."

"Payroll slips can be faked, property ownership certificates can be forged, and tax certificates can be photoshopped."

"but."

"Should I order takeout late at night? Should I go to the library or a nightclub on the weekend? What gift should I buy for my parents...?"

"These lifestyle habits cannot be faked."

"In this era of big data..."

"Your food delivery orders are more honest than your pay stubs."

Lin Che's voice suddenly rose in pitch.

It carries a resounding and thought-provoking power.

"I dare to lend to B because I know he has a future, and he values ​​his reputation more than his life."

"You dare to lend to A because you only look at the past, only at that property certificate that could become worthless at any time."

"Now."

"tell me."

"Who is at risk?"

"Who is the Ponzi scheme?"

……

The audience was deathly silent.

In a meeting room with hundreds of people, even the sound of breathing could be heard clearly.

The bank managers looked at each other, their faces ashen.

They wanted to argue.

I want to say that this is not in compliance with regulations, and that this violates privacy.

But the words just wouldn't come out.

Because in the face of that bloody "gambler A" and the clean "student B", all financial theories seem so pale and powerless.

This is a dimensional reduction attack.

It is a public execution of traditional financial risk control logic from God's perspective.

"sophistry……"

Zhang Zhengyi sat opposite the defendant in the dock, the pen in his hand broken in his hand.

Ink stained his fingertips black.

He stood up, trembling.

Although he was deeply shocked, he was, after all, a "butcher".

He cannot lose.

"Lin Che, what you're saying is very inflammatory."

Zhang Zhengyi took a deep breath and forced himself to calm down.

"But this is just an isolated case!"

"You can find one or two special cases to make up a story that will move people."

"But finance is all about big numbers!"

"I don't believe you have hundreds of millions of users, and that each one is so precisely targeted! I don't believe those students who haven't even graduated yet can really pay back their money!"

Zhang Zhengyi slammed his hand on the table.

His eyes turned fierce again.

"Don't talk to me about ideals!"

"I want to see the data!"

"I want to see the actual, audited bad debt rate of Weiguang Installment over the past three months!"

"If it's 10%, even if you praise that student to the skies, you still have to shut the shop down!"

The atmosphere instantly became extremely tense.

Everyone stared at Lin Che.

The story is over.

The nostalgia factor has been sold out.

Now, it's time to see the real test.

If the bad debt rate is really as outrageous as rumored, then all of Lin Che's brilliant speech just now will become a clown's joke.

Lin Che looked at Zhang Zhengyi.

Looking at that old man who still adheres to the old rules in this era.

He wasn't angry.

Instead, a hint of pity appeared on his face.

"You want to see the data?"

Lin Che took a black remote control out of his pocket.

That was the last key to controlling the big screen.

"Team Leader Zhang."

"Actually, I didn't want to show this."

"Because this number is too cruel."

"I'm afraid that once it comes out, all of you bankers here will feel like you've worked for nothing all your lives."

Lin Che pressed the button.

"Since you won't shed a tear until you see the coffin."

"Then let's see."

The screen is flickering.

The two contrasting portraits have disappeared.

Instead.

It was a completely black background.

Then, in the darkness, a huge, red, and suffocating number appeared.