Gangster heir? Please call me a legitimate entrepreneur.

The northwest wind on the rooftop of the unfinished building felt like being stabbed in the face with a rusty saw blade.

Qian Donglai collapsed onto the cement floor, which was covered with a thin layer of ice.

Snot dripped down his philtrum and froze into a hard popsicle.

His dark red Tang suit was soaked through with mud and water, clinging to his fat and frozen like a sheet of iron.

A burst of red and blue flashing lights suddenly tore through the darkness from below.

The piercing sound of sirens echoed back and forth among the empty steel frame.

Captain Gu led several officers from the Economic Crime Investigation Team.

I trudged up to the fifteenth floor, stepping over the broken bricks and broken bottles scattered on the stairwell.

The beam of the tactical flashlight swept haphazardly across the rooftop, finally settling on the trembling dark figure in the corner.

"Don't move! Hands up!"

Captain Gu shouted, his right hand instinctively reaching for the pistol at his lower back.

Qian Donglai was so blinded by the bright light that he couldn't open his eyes.

Instead of dodging, he reacted like a stray dog ​​that hadn't eaten for half a month seeing a bone.

Using both hands and feet, he scrambled and crawled towards it.

"Oh, my dear family!"

Qian Donglai grabbed Captain Gu's police boot, which was covered in mud.

His frozen, chubby hands gripped the edge of his police trousers tightly as he cried and hiccuped.

"Quick! Handcuff me! Comrade, I'm turning myself in!"

He looked up at his chubby face, which was covered in tears and snot, his lips trembling and stuttering.

"I illegally absorbed public deposits! I used violent debt collection methods! I engaged in usury!"

"Get me to the police station right now! It's too windy outside, my heart can't take it!"

Captain Gu stood frozen in place.

The hand that was about to reach for the handcuffs froze in mid-air, a big question mark appearing on the forehead.

He worked in criminal investigation for over a decade, and every fugitive he caught resisted arrest with their lives.

That old fox is really something, eagerly fabricating charges against himself.

They were afraid of missing a single point and receiving a lenient sentence.

Stop pretending to be crazy.

Captain Gu frowned and pulled his leg out with disgust.

He rubbed the tip of his leather shoe on the ground twice, trying to wipe away Qian Donglai's snot.

"What? Weren't you just threatening to jump off a building to threaten the Sihai Group?"

Upon hearing the words "Sihai," Qian Donglai shuddered violently, as if he had been struck by an electric baton.

He wiped the ice crystals from his lips.

"Shut up! That little bastard Su Ye isn't human!"

Qian Donglai sniffed, his voice filled with utter despair.

"He's using bankruptcy law to blackmail me! If I die, my wife will have to go work at an electronics factory, operating a sewing machine to pay off our debts!"

"If I go to jail, at least the court can leave me a small, old apartment as a living allowance."

He stretched out his two chubby hands and eagerly put them together.

"Cuff me! Hurry up! If that she-devil Lin Dai comes with the enforcement bureau soon, I won't even have my underwear left!"

The next morning.

Longhai Municipal Public Security Bureau, Director's Office.

Bubbling sounds came from the radiator.

Li Jianguo sat in the peeling swivel chair, holding two freshly made copies of the confession in his hands.

The edges of the paper were crumpled from his crumpling.

The old man picked up his enamel mug, took a sip of the cooled, bitter tea, and tea stains stuck between his teeth.

"That's it... you confessed everything?"

He slammed his statement on the table, his eye muscles twitching uncontrollably.

Captain Gu stood across from the desk.

The white gauze bandage on her head had just been removed, leaving a dark red scar.

He swallowed hard, his eyes filled with resentment.

"He confessed everything, Chief. He poured out the beans faster than anyone else."

Captain Gu scratched the back of his head.

"After Qian Donglai was arrested, the underground Ponzi scheme he spearheaded collapsed instantly."

"Those loan shark bosses from the East District and North City bought train tickets and ran away last night."

"The two who were slower to run were already lining up at the Economic Crime Investigation Team's entrance before dawn this morning to get their numbers and turn themselves in."

Li Jianguo closed his eyes.

It felt like there was a wad of waterlogged cotton stuck in my chest cavity, unable to go up or down.

He meticulously planned the final operation.

Once again, it turned into a free cleaning service to clear obstacles for the Sihai Group.

"Using someone else to do the dirty work... This kid is using our municipal police station like a broom."

Li Jianguo gritted his teeth and pulled out the flattened pack of Hongmei cigarettes from his pocket.

"With Qian Donglai gone, a large portion of the private lending market in Longhai City has become vacant."

The old man struck the lighter three times before it finally lit.

A plume of smoke billowed out, blurring the cold glint in his eyes.

"That flawless egg, Su Ye, must have been eyeing this piece of fat meat for a long time."

At the same time.

Conference Room No. 1, top floor of Sihai Building.

The high-powered air conditioner made the room warm and cozy.

Su Ye sat in the main seat.

He was wearing a dark gray cashmere coat today, unbuttoned, with a pure black turtleneck sweater underneath.

Long, slender fingers held the silver thermos.

Gently blow away the goji berries that are swirling on the water's surface.

On either side of the conference table sat senior executives from various departments who had just survived several rounds of CPA mock exams.

They all had dark circles under their eyes, as if they had been severely beaten.

"Old Chen, has Qian Donglai completely divested its non-performing assets?"

Su Ye took a sip of warm water, his Adam's apple bobbing, his voice steady.

Chen Suan looked up from behind the computer screen.

He pushed up his black-rimmed glasses, which had slipped down to the tip of his nose, and then pressed the Enter key heavily on the keyboard with his fingertips.

"It's all stripped clean, Mr. Su."

Chen Suan picked up the black coffee next to him and took a big gulp.

His face contorted in pain.

"All the uncollectible bad debts were frozen and liquidated by the court, leaving only the high-quality claims and collateral."

"All of it has been legally transferred to Sihai Investment."

Su Ye nodded in satisfaction.

The metal bottom of the cup struck the glass tabletop with a crisp "tap".

His gaze swept over the dozens of men present.

"Starting today, Sihai Group officially launches the 'Sihai Micro-Loan' business."

"We provide low-interest, compliant credit loans to merchants and micro-enterprises in Longhai City."

These words caused an uproar in the conference room.

The crow was the first to get restless.

He suddenly loosened his red tie, revealing the tiger tattoo on his neck.

"Brother Su."

The crow grabbed the calculator on the table, its buttons almost worn smooth, its fingers trembling.

"This... an annualized interest rate of 8%? What kind of lending is this?!"

He frantically pressed the calculator buttons, slamming his fist on the table in his anxiety.

"I used to work as a loan shark on South Street. It was a nine-out-of-thirteen-out system, with daily compound interest!"

"That 8% figure, after accounting for bad debts and collection costs, isn't even enough to pay the guys' salaries!"

Fatty Liu, standing next to him, also wiped his sweat.

"That's right, Mr. Su. We're all respectable people now; we can't go around demanding money with knives."

His fat jiggled.

"If a defaulter refuses to repay the loan, isn't this low-interest loan just a waste of money?"

Su Ye didn't get angry.

He leaned back in his leather chair, his fingers interlaced under his chin.

The lenses reflected the cold light from above.

"That's why I tell you to read more books."

Chen Suan stood up.

He pulled a printed risk control model diagram from the folder and threw it in front of the crow.

"Brother Crow, times have changed."

Chen Suan pointed to the densely packed data nodes above.

"We have merchant transaction data accumulated from four overseas food delivery and express delivery logistics companies."

"Which shops are doing well, and which shops have no customers every day? Big data can tell you more accurately in a glance than if you sit in a corner and watch for three days."

Chen tapped the paper, his tone carrying the arrogance of a financial elite.

"Small profits but quick turnover, building up a large capital pool. This is called legally scaling up profits."

"As for debt collection..."

Chen Suan turned to look in the direction of the Ministry of Justice.

Lin Dai wore a burgundy silk shirt today.

She stood up in her red-soled high heels, holding a metal voice recorder in her hand.

"Our debt collection methods are bloodless."

Lin Dai parted her red lips slightly, her voice sounding as if it were mixed with ice shards.

"The loan agreement includes an arbitration clause and a notarized enforcement document."

"Anyone who dares to default will have their WeChat, Alipay, and bank cards immediately frozen by the Ministry of Justice, and their high-end consumption will be restricted."

She pushed up her black-rimmed glasses.

"Physical debt collection is something thugs do. What we want is to make sure he can't even afford to buy a steamed bun."

The crow gasped in shock.

He looked down at the calculator in his hand, then at Lin Dai's icy face.

This is a million times scarier than having red paint splashed on someone in the middle of the night!

To kill someone is to destroy their spirit.

To physically eliminate debtors directly at the social level.

Is this the power of knowledge?

"I...I understand."

The crow swallowed hard and obediently stuffed the calculator back into its pocket.

"Then I'll take my brothers out to the streets to drum up business. We'll snatch all of Qian Donglai's original clients."

"etc."

Lei Hu suddenly stood up from the front row.

Steam rose from his bald head as he scratched the back of his head in frustration.

"Brother Su, lending money is easy to do."

Lei Hu approached the desk and ran his stubby fingers across the surface twice.

"But how are we going to distribute this money to them?"

He had a bitter look on his face, the centipede-like scars on his face clustered together.

"We're going to build that... O2O business closed loop now, right?"

Lei Hu sighed and pulled a piece of cardboard with a QR code printed on it from his pocket.

He even left sweat marks on the cardboard from squeezing it.

"The 'Sihai Payment' QR code that you asked us to promote."

"The merchants downstairs aren't buying it at all!"

Lei Hu slammed the cardboard on the table, the sound cracking.

"They think these black and white squares look like funeral portraits, which is unlucky!"

They insist that they only feel secure with cash in their hands and absolutely refuse to put the QR code on the cashier counter.

"We can't just stick paste on someone's face, can we?"

Su Ye slightly raised his eyelids.

My gaze fell on the crumpled QR code.

He picked up the thermos, slowly and methodically screwed on the lid, making a soft metallic scraping sound.

"You think it's unlucky?"

Su Ye's lips slowly curved into a gentle smile.

"It seems our ground sales team isn't enthusiastic enough."

He stood up, the hem of his coat brushing against the armrest of the leather chair.

"Go to the warehouse and get two hundred pairs of white gloves."

Su Ye pushed up his glasses, a playful glint flashing behind the lenses.

"You will lead the team yourself tomorrow morning."

"Let's go teach the bosses in Longhai City how to embrace a cashless society with a smile."