Reborn Millennial Gamer

Chapter 845 Extra 1: Lu Yun’s End

"Lu Yun, something happened. Tuandai.com, the largest P2P platform that cooperates with Yipay, is in trouble!"

Zhang Ying hurriedly knocked on the study door.

"I already know this."

Lu Yun's face was not nervous at all.

"Why are you not worried at all? This involves 145 billion and 22 investors."

Zhang Ying was very curious.

"This is not the first P2P platform to be hit by thunderstorms. In fact, 15 of the 11 platforms that cooperate with Yipay have already been hit by thunderstorms."

Lu Yun didn't take it seriously. Multiple platforms exploded continuously, like an out-of-control dominoes. He had long been used to it.

"what?"

Zhang Ying was shocked, "What about Yipay? Will these P2P platform thunders implicate you and Yipay?"

Lu Yun shrugged, "Why blame Yipay? In an environment where Internet finance is booming, providing payment services for P2P platforms is a common choice of many third-party payment institutions, unless it is Caifubao or Penguin." Pay.”

Lu Yun dealt with it cautiously, his eyebrows twitching wildly, and his whole hand visibly trembling, trembling more and more violently.

"But Yi pays for the loss of reputation..."

"What's wrong? Why are you going to Yanjing suddenly?"

"That's weird. At least legally, it can be completely cut off. At most, it's just a fine and a small amount of money."

Zhang Ying noticed that when he saw the phone number, his expression immediately changed, and his heart rose to his throat.

Lu Yun is not at all concerned about the losses caused by the P2P thunderstorm, but compared with the advertising fees and commission fees charged by the P2P platform, it is simply not worth mentioning. What's more, providing payment services to the P2P platform has expanded the scale of Yipay. .

Zhang Ying finds it strange that Yipay’s Internet financial business clearly includes the distribution of financial products. Doesn’t P2P promotion count as this? How can Yipay have a clear relationship with P2P?

"It's just the people who read the advertisement who are greedy."

"Isn't it right?"

Zhang Ying seemed to know Lu Yun for the first time, "But now that P2P is booming, those who are trapped will definitely blame Yiyi for paying."

There was a sneer on the corner of his mouth, "What is finance? The essence of finance is to use time differences to make money to generate money. They, the little money, deserve to be eaten up by the big money."

There was no sympathy in Lu Yun's eyes, "They squeeze into the car to go to work at nine o'clock every morning, earn thousands of dollars a month, play finance frugally, and hope to get rich in one day. They don't even know who the real winner is. .”

"No, it's not a big problem."

Zhang Ying frowned.

Lu Yun waved his hand, "Yipay is just an advertising publisher for these P2P platforms. It just pushes traffic to these platforms. It is purely an advertising transaction without any strategic cooperation. Yipay does not participate in the P2P sharing. At best, it is a pawn for the P2P platform. It’s just a payment channel, it has nothing to do with us.”

Zhang Ying was nervous and uneasy.

"what!!!"

"The China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission want to interview me." Lu Yun forced out a smile that was uglier than crying.

Just then, the phone buzzed.

“It’s not just Yipay who does this, there are a lot of companies like Zomi, Renren, Lianxiang, etc.”

"I, I will arrive in Yanjing right away, right away..."

Zhang Ying's eyes widened, her pupils shaking.

Two words immediately came to mind, it's over!

…………

"Humph, I'm afraid Lu Yun still thinks that the relevant departments came to Yipay because of the thunderstorm on the P2P platform."

Xu Lei crossed his legs and raised the corners of his mouth.

"New accounts and old accounts are calculated together. Yipay has always been a payment channel for P2P, but it cannot be erased so easily."

Lu Fei narrowed his eyes.

"Don't worry, I have some responsibility, enough for Lu Yun to drink a pot." Xu Lei said with a smile, "But compared with Yipay's ABS, it pales into insignificance."

"Who would have thought that Lu Yun would be so courageous."

Lu Fei smiled coldly.

The subprime mortgage crisis has not passed ten years. Unexpectedly, Lu Yun would dare to play this trick in China. According to the massive data of Yipay, disadvantaged loan users will be diverted to P2P, and high-quality users will be used for their own purposes and lend money to them. Then the loan contracts are integrated, evaluated and stratified, turned into ABS, and then sold to asset management institutions such as funds, trusts, banks, etc., to implement the securitization of loans.

After selling ABS to obtain funds, they can repeat their old tricks and lend money to new high-quality users, and the cycle repeats.

"Yes, it only has 2% of its own funds, but it leverages 98% of the borrowings. If new regulations were not promulgated this year, the balance of funds raised by companies through bond issuance and asset securitization products must not exceed 4 times of net assets, which is greatly restricted. The scale of funding raised by Yipay through ABS would otherwise exceed 1000 billion."

Xu Lei smiled coldly. "Lu Yun is bold enough to dare to pull the lever like this."

Lu Fei's eyes flashed with murderous intent.

"What can he not dare to do? The equity design of Yipay is very stupid. It has set up a main company to take itself out, and then uses a limited partnership to invest and control. As long as you hold more than 67% of the shares, you can get it. Absolute right to speak."

Xu Lei curled his lips, "The blessing is that their family business enjoys it, but the disaster is that the limited liability company and the entire society bear it."

"But his cleverness has come to an end."

Lu Fei knocked on the chair handle, "It's okay to conspire with P2P to issue loans to Yipay users, but you dare to extend your magic hand to Caifubao and Penguin Pay. Haha, you are seeking death!"

"What do you think Lu Yun will end up with?"

“Will Yipay’s license be revoked?”

"I'm afraid this won't work. The ABS that Yipay leveraged must be repaid slowly by Luyun and Yipay. Don't even think about running away until it's all repaid."

…………

A month has passed since the interview ended.

Lu Yun was lying on the sofa with a stubble on his face. He was as stiff as a zombie. His eyes were dark, but he was not sleepy. He had just eaten, but he felt like he couldn't exert any strength.

The previously high-spirited black hair turned much whiter in an instant.

Zhang Ying saw that her husband seemed to have just been released from prison and was taciturn. She immediately realized that his depression had recurred, so she took him to see an authoritative expert in psychology.

After a while, the door opened and Lu Yun walked out slowly.

"How about it?"

"Well, the doctor didn't say anything, just ask the family members to come in."

"Ok?"

Zhang Ying's heart skipped a beat and she hurriedly entered the house.

The doctor waited for her to sit down and sighed: "His condition is very serious. He was discovered early, controlled in time, and cooperated with medication. He only had mild depression, but now, there are signs of seriousness. Has he encountered any problems recently? What kind of intense stimulation?"

"Yes, yes."

Zhang Ying was also inconvenient to disclose that Yipay was fined a full 2 billion yuan due to "disorderly expansion of capital", "P45P thunderstorms" and other reasons, and Luyun also lost actual control.

"Well, it takes a person to untie the bell, and heart ailments still need heart medicine to cure them. If you want to alleviate them, it's best to prescribe the right medicine."

Just as the doctor was about to persuade him, he heard a strange movement outside the room. Then the door was suddenly opened and a nurse came in a hurry.

"No, the patient is sick!"

"what?!"

All of a sudden, the doctor and Zhang Ying ran to the corridor in a panic, and saw Lu Yun lying on the ground, twitching all over, with a pool of saliva flowing out of his mouth, and he was shouting incomprehensibly.

"Lu... Lu Fei... Lu Fei!"

At the same time, news about Lu Fei was playing on the phone: "Recently, Lu Fei, chairman of Caifubao, said that any financial product has risks. You can't just watch the thief eat meat or not watch the thief get beaten. The tide goes out." Only then do we know who is swimming naked. If we cannot control risks well, once the financial building falls like dominoes, no one will be spared."

“Especially Yipay, we should take this as a warning!”

"The root cause of his illness is Lu Fei?"

The doctor looked at Lu Yun in disbelief.

Zhang Ying's eyes were red, she shed tears and smiled bitterly, saying nothing.

"Oh, let him be hospitalized."

The doctor suggested with sympathy and helplessness, "Try not to let him come into contact with the news about Lu Fei in the future, and don't stimulate him anymore, otherwise, there is no guarantee that he will do something extreme."

"Doctor, you mean..."

Zhang Ying quickly stepped forward to control the twitching Lu Yun.

"Yes, suicide."

The doctor used a small flashlight to shine into his vacant eyes.

"Lu Fei, don't come over!"

"Lu Fei, let me go! Let me go!"

Lu Yun clenched his fists, and tears of fear flowed from the corners of his eyes.

(End of this chapter)