Two radish chapters, deceiving people 30 billion? Who believes, whose IQ is low...

A while ago, there was a 30 billion financial melon, I don't know if you have seen it?

is about a female boss in Hong Kong who used two radish chapters (one Jingdong and one Suning) to deceive a bunch of well-known financial management companies in China, and defrauded a total of 30 billion yuan.

At first, I just glanced at the article in a hurry, and soon felt that the plot in it was too outrageous.

Coupled with the pictures in this article, it is full of pulp, which makes people feel like they are reading gossip tabloids-

So I didn't even finish reading it, so I threw it aside, and over time, I forgot about it...

But not long ago, a spokesman for JD.com suddenly jumped out coldly and threw out a 500-word statement-

In the first two paragraphs of the beginning, he claimed to be an unwitting victim who was involved in this 30 billion financial farce, which is really inexplicable and wronged...

Eh~ After Jingdong did this, it immediately aroused my interest!

You must know that our Dongzi brother is a promising entrepreneur with a score of 9.5 in Hupu and a reputation second only to Xiang Yu, how can he be casually played and framed like this?

So I found the radish chapter again and tasted it over and over again.

Sure enough, I saw some details that most people would definitely overlook! And when I put them together, I came to the conclusion that-

This story is claimed to defraud 30 billion with two radish chapters...

Whoever believes, who has a low IQ.

01

In view of the fact that you may not have seen this story, I will briefly sort it out for you-

First of all, let me introduce the first protagonist of this story: Luo Jing.

Luo Jing is a Hong Kong native, and according to Baidu Encyclopedia, she is the founder of Chengxing International Group. It doesn't matter if you don't know this group, you just need to know that this sister once beat Dong Mingzhu in the selection of the most influential business women.

Luo Jing's early experience is difficult to verify, but I only know that she originally started as a grassroots salesman in the factory.

Then in 1996, at the age of 25, she suddenly established a company called Chengxing International in Hong Kong. suddenly changed from a worker to a boss.

But don't make the mistake of thinking about how powerful this change is...

In fact, at this time, Chengxing International was a shell company, but at that time, there were frequent exchanges between the mainland and Hong Kong, and the identity of Hong Kong businessmen was very popular.

In the first few years, Luo Jing's company mainly helped Procter & Gamble, Nokia, Pepsi and other brands to carry out promotional activities. There is less money and more things, and the good boss has just lived like a worker...

Luo Jing's turning point came in 2006, when she established Chengxing Marketing Management Co., Ltd. in Guangzhou and started a cooperation in IP licensing.

Not only did it win the exclusive domestic brand authorization of the NBA that year, but also successively won the authorization and development rights of derivatives of international first-line brands such as Transformers, Kung Fu Panda, and Tusky.

Although I don't know what path she went, she got this fragrant cooperation... But relying on these IPs, Luo Jing launched a lot of co-branded cards with the bank and got some money~

But if you want to talk about Luo Jing's take-off, it has to be 2015.

This year, Luo Jing got 535 million Hong Kong dollars from nowhere and directly forcibly acquired Yida International (later renamed Chengxing International), a Hong Kong-listed company, and obtained control of the company.

How did Luo Jing get this money, and who taught her to do it?

The only thing we can see clearly is the company's stock price that took off all the way after it was acquired by her-

Three months later, Luo Jing spent another 80 million to buy a listed company in Singapore.

At this time, Luo Jing, who held two listed companies, had a different identity and was officially upgraded to a capitalist...

As a result, there is also the qualification to enter and exit Mulan Hui.

Mulan Hui, founded in 2009, is actually a club of female leaders in the business world, a small circle of top female tycoons. It includes Dong Mingzhu of Gree, Zhang Lan of South Beauty, Yu Yu of Dangdang.com, etc., almost all well-known female entrepreneurs.

These network resources alone are already incalculable wealth. And Luo Jing will get to know another important person in the next story through this small circle-

Wang Jingbo, the founder of Noah Wealth, China's largest wealth management company.

02

If we want to understand how Luo Jing cheated 30 billion, we have to briefly understand one of her company's businesses - advance payment.

For example, a certain type of electronic product that we usually buy in Jingdong and Suning may be bought in advance by Luo Jing to help Jingdong or Suning. When Jingdong Suning has sold the goods almost, he will turn around and settle the corresponding payment and interest with Luo Jing.

To put it bluntly, it's a job to make the difference. But because of the particularity of this business, Luo Jing will have a large number of accounts receivable from JD Suning.

For these accounts receivable, Luo Jing can choose to put them for several months on the one hand, and wait for Jingdong Suning to settle them when the time comes. On the other hand, you can also pledge them to financial institutions and immediately withdraw money for the next wave of investment.

Because of the credit endorsement of Jingdong and Suning, he is not afraid of running away at all. Therefore, financial institutions are very happy to accept these accounts receivable and eat a stable and risk-free interest.

And Luo Jing, who has tasted the happiness of working capital, can no longer satisfy her with any IP co-branded bank card at this time, after all, it is all small profits.

So she started the idea of accounts receivable~

The main logic of her plan is very simple, that is, to make two fake seals (one for Jingdong and one for Suning), and then frantically use them to cover fake contracts and create a large number of accounts receivable. Then use these accounts receivable to find a financial institution as collateral and cash out a huge amount of money.

Of course, this kind of cash-out method must not be found in the bank, the bank has never seen it in the world? In front of them, every minute to goof...

So after looking around, Luo Jing chose her new "best friend" - Wang Jingbo of Noah's wealth.

Of course, Noah's fortune is not pure foolishness... When you see these accounts receivable, you have to check them, right?

The article mentioned at the beginning about Luo Jing defrauding 30 billion with a radish chapter focuses on this part of the content, and I simply summarize it as - three hurdles that Luo Jing must overcome.

And the first hurdle is offline visits.

Noah Fortune saw the accounts receivable that Luo Jing took, although the risk was not large, but at least the process still had to go. One of the necessary processes is to get Jingdong Suning to have a look.

But the problem is: go to Jingdong Suning and talk to the employees over there, won't this fake accounts receivable be a gang!

Guess how Luo Jing broke the game?

She actually just sent a few people to Jingdong and Suning, and then pretended to be employees of these two companies to receive Noah's Fortune's research...

And actually in the aisle, he fooled Noah's people successfully!?

But later, I looked at the relevant disclosure, in fact, Luo Jing may have paid a bribe of more than 2 million to Noah's director in charge of her project at this time. So it's not hard to understand why this offline visit is so perfunctory.

Although the offline hurdle has passed, but the online bill, this must not be missed, right?

Accounts receivable must be compared with the records in the system to see if there are really these contracts and payments, which is the minimum professionalism, right?

This hurdle is much more difficult than before, but it can't be solved with bribes like before. So... How will Luo Jing deal with it?

Unexpectedly, she came to steal the beams and change the pillars!

Jingdong generally uses "Internet Banking Beijing", but Luo Jing directly registered a "Internet Banking Guangdong" in Guangdong, you don't really think it's a company...

And she also rented a server, established a fake database, and made a fake Jingdong supplier system platform, which has the same data as the real one, including modifying the account period, settlement statement, red letter notice, etc., not engaged in finance, you can't see the cat in it at all.

And Noah's wealth is not financial, so they believed...

However, the most sassy operation has to be Luo Jing's operation to intercept EMS.

Although I checked the information later and found that this third hurdle occurred, in fact, the time occurred before the above two hurdles. For some reason, in that article, I put it at the end...

But it doesn't affect the drama in the slight~

In short, probably when Luo Jing took the accounts receivable to find Noah's wealth as collateral, Noah must have sent a letter to JD.com out of due diligence to ask if these receivables really exist?

Logically, this letter must have preceded offline visits and online reconciliations. Even, it can be said that this is the most critical step, because it is sent to JD.com's finances.

It is precisely because this step was done at the very beginning that the next process was so perfunctory.

So, how did Luo Jing get the letter?

She sent someone to JD.com, intercepted the EMS sent by Noah Fortune on the way, and then stamped a fake seal engraved privately, pretending to be JD.com's finance and resent it back...

After passing the three hurdles, Luo Jing successfully gained the trust of Noah's wealth.

Then Noah Fortune took these accounts receivable to the rich customers, and before and after, he melted more than 10 billion with fake accounts receivable alone, and gave all the money to Luo Jing.

According to that article, Luo Jing later used the same method to defraud other financial institutions, and made a total of 30 billion before and after!

03

After reading the above story, I don't know if you have such a feeling...

I just feel that this Luo Jing has directly turned the business war into a spy war. Compared with her, what kind of person snatching the official seal and poisoning the partner is simply low!

If you also feel this way, it means that you have successfully been "brainwashed" by this story~

First, let's look at time. From the confirmation letter in 2017 to the last visit in 2019. In the middle of 2 and a half years, Noah Fortune really didn't go to Dongzi Ge to confirm it?

Heart, is it really that big?

And to be honest, the three hurdles that Luo Jing has stepped through, from the text description, will indeed give us a feeling of shock.

But as long as one of the links goes wrong, then all the work is wasted...

What kind of employee reception, false reconciliation, interception of EMS, this long list of dramas, in my opinion, without Wang Jingbo's active cooperation, it would not have been able to go on.

And under careful consideration, the story in that manuscript is like two junior high school girls patting their brains... At first glance, it seems logical, but in reality it is impossible to do so at every step.

Of course, the most critical thing is... Later, Luo Jing used the same routine to deceive 20 billion from other institutions!

According to the tabloid article, Luo Jing was deceived by the same method...

Does it mean that the tricks of pretending to be employees, playing fake battles, and intercepting EMS will be re-enacted for the financial institutions behind them?

We think on our toes, we all know it's impossible.

Therefore, the financial institutions behind must have taken a fancy to Luo Jing's endorsement, so they were relieved to hand over the money to her.

This endorsement, in addition to the pile of fake accounts receivable from JD.com and Suning. What's more, Noah's wealth also invested a lot in it!

Later, I took a look at the information and found that when Luo Jing signed contracts with other financing companies, she was accompanied by employees of Noah Wealth...

So, everything makes sense!

And my thoughts also drifted to the incident where Lujiazui bought poisoned land in Suzhou a while ago~

04

I have to explain here that after Luo Jing got 30 billion, she didn't think about running away.

She has a dream, and she wants to reproduce the myth created after buying Yida International again-

To put it simply, if she takes this money and goes to collect a good listed company, after a simple package, if the stock price soars, she will not only be able to repay her debts smoothly and make a lot of money, but also have one more listed company in her hand.

Although the abacus crackled, Luo Jing was still too obsessed with path dependence...

What's more, the A-shares in 2018 did not give her this opportunity to go to the pinnacle of her life.

That year, she made the revenue of Boxin shares she had previously acquired to 1.566 billion, an increase of 17 times. But for some reason, the operating profit is -65.8174 million...

As a result, the stock price not only did not go up, but fell all the way.

At the lowest point, the stock price almost dried up near halving-

You must know that when Luo Jing bought it, the price was 23 yuan!

Big A really gave the capitalists a handful of leeks to experience the taste of being a leek~

What's even worse is that the 30 billion in Luo Jing's hands is not illegal gains, but financing! Every day when he opens his eyes, he has to pay a large amount of interest...

So it didn't take long for her financial chain to collapse.

And it is said that in June 2019, Luo Jing found her best friend Wang Jingbo and had a long talk. dragged the company's predicament out completely, hoping that Wang Jingbo could help her again and issue a billions of financial products to help her get through the difficulties.

As a result, Wang Jingbo realized that something was wrong, and called the police with his backhand. In the end, it was found out that Luo Jing had deceived 30 billion and had a deficit of 8.8 billion.

Then her two stocks, which were pinned on her dreams, also fell to the bottom...

End

Although Luo Jing was sentenced to life in the end, Noah's fortune did not get a little cheap...

Because it is caught in a dilemma.

If you say that it doesn't know, it means that it has done its due diligence and is a thief, and it can be fooled and lame casually. In this way, who would dare to trust it to manage their money?

You must know that its name is Noah, doesn't it mean that even if the water is flooded, the customers on Noah's Ark will still be safe and sound~ Now two radish chapters can make 10 billion from it... If there is really a big flood in the future, wouldn't it be wonderful to die?

But you're going to say it knows... That's a very serious assumption. And there is a very important question that must be answered:

Why did it do whatever it took to help Luo Jing get 30 billion?

Thinking about it, I think it's still Luo Jing's super-god acquisition in 2015-

In three years, the stock price has doubled by nine times! This kind of rapid decline in capital operation is unimaginable to ordinary people.

Not to mention that 30 billion has increased by 9 times, even if it has increased by 3 times, it will be a situation that I don't know how to describe...

So is there any gambling element in the 10 billion funds invested by Wang Jingbo of Noah's wealth?

I'm just a self-media, how do I know!

However, judging from the gossip tabloid that went viral on the Internet before, it seems to highlight the word "stupid", rather than the opposite "betting".

As for what the truth is, maybe we, the people who eat melons, will never know...

But the 500-word statement of the JD spokesperson, I think you can taste it a few more times-

Especially the last paragraph, the more you think about it, the more profound it becomes.