"Mr. Zhang, these are some problems that our Compliance and Supervision Department has discovered after strict investigation and account verification during this period. Please take a look at them."
In the spacious and bright office of the chairman of Ruixiang Group, Yang Jiangang, director of the compliance and supervision department, reported to Zhang Yida the results of his work during this period and handed over a document at the same time.
"Oh, are you getting results so soon? How is the recruitment of the Compliance and Supervision Department going?"
Zhang Yida put the document handed over by Yang Jiangang aside and did not read it directly. Instead, he asked about the recruitment situation of the Compliance and Supervision Department.
"Basically, we have recruited enough. Now the department and I have a total of 12 people, all of whom came from the public security system.
Everyone has rich experience in investigating and collecting evidence, and the team’s combat effectiveness was quickly formed.”
Yang Jiangang didn't know what Zhang Yida meant, but since the leader asked the question, he answered truthfully.
"Okay, if we don't have enough manpower, we'll continue recruiting. I have only one request, and that is not to let go of a pest!"
Zhang Yida looked at Yang Jiangang and said solemnly.
Zhang Yida began to look through the documents handed over by Yang Jiangang.
After a while, he said:
"Except for the content advertising business group, have other business groups found similar problems?"
"Not yet. I guess it is mainly related to the high flow rate of the content advertising business group. Other businesses have only developed recently and are not large enough, and the oil and water are not enough."
Yang Jiangang shook his head and said that he felt that Ruixiang's situation was not bad because it had only been in operation for more than a year and the various internal relationships were not complicated.
For example, Goudong has been operating for more than ten years, and the internal relations are so tight that it is shocking.
"Since you have reached out, this hand will be cut off. Just keep quiet and continue collecting evidence."
A cold light flashed in Zhang Yida's eyes. The content advertising business group created most of Ruixiang Group's revenue and profits, and its importance is evident.
A thousand-mile embankment collapsed in an ant nest.
This termite must be caught, otherwise the situation will be in danger if things continue like this!
"How did you discover the problem?"
Zhang Yida is very interested in this, and also wants to hear where the omissions are. He usually ignores those details.
"The net profit margin is declining, costs are increasing, and the changing numbers are so small that you can't even notice them if you don't pay attention..."
Yang Jiangang told Zhang Yida the process of discovering the problem.
“The decline in net profit margin may be caused by the expansion of normal marketing expenditures?
You have to know that the scale of Ruixiang increased rapidly last year, and the price paid behind it was the huge amount of advertising expenses."
Zhang Yida felt that Yang Jiangang's point of view still lacked persuasiveness, and this point alone could not convince him.
"Yes, in today's Internet market, traffic is getting more and more expensive, and it is normal for Ruixiang's customer acquisition costs to rise.
But I carefully looked through Ruixiang’s external advertising cooperation contracts. There are a small number of cooperative companies, and Ruixiang’s cooperation rates with them are still at the same level as a year ago.
This is not normal!
Among the seven major financial supermarkets, the bank/fund/insurance/trust supermarkets are okay, but Internet financial management, loan supermarkets and credit card supermarkets have serious problems.”
Yang Jiangang continued to talk about his discoveries during this period.
After hearing this, Zhang Yida lost his composure and asked:
"Is it serious?"
"In Ruixiang 2014, of the 5 billion revenue contributed by the seven major financial supermarkets, Internet financial management and loan supermarkets accounted for 70%, and credit card supermarkets accounted for 10%.
With huge profits, it is inevitable that it will become an area hardest hit by corruption.
After my analysis and comparison, I am afraid that the amount involved will not be less than 10 million.
Of the 4 billion in revenue, there is probably a small part, 10%, of the contracts that are flawed, and the funds involved may not be less than 400 million.
The CPA price of the Internet financial supermarket is calculated as one hundred yuan. If the price is increased by 10 yuan, it will be reflected in the revenue, and the difference will be 40 million.
The CPS price of the Internet financial supermarket is 3%, and a price increase of 0.1% is more than 13 million.
The loan supermarket CPS pricing is 3%, which is 0.1% more or less than 0.1%, and the difference is more than 13 million yuan.
The cost of opening a credit card in a supermarket ranges from 100 yuan to 200 yuan per card. If the cooperation unit price is 10 yuan more or less, it will also cause a revenue discrepancy of more than 20 million yuan."
Yang Jiangang gave Zhang Yida a detailed analysis. Zhang Yida frowned more and more as he listened and said:
"We will investigate and find out that the customers who are responsible for it have not increased their prices. The cost of acquiring customers in the market is rising, so naturally we will also increase our prices accordingly.
Except for some large customers who have not increased their rates, other small customers will have to increase their cooperation rates.
If there’s anything fishy here, you’ll know once you check it out.”
"Mr. Zhang, do you need to adjust the scale?"
Yang Jiangang looked at Zhang Yida and felt that it would be better to ask this question clearly, otherwise he would not know if it triggered a thunderstorm.
If he does things too hard and Zhang Yida relents and does not want to be punished so severely, then he will no longer be a human being inside and out.
"There is no need to show any mercy. If the amount involved in the case exceeds 10,000 yuan, all cases will be transferred to the judicial authorities."
Zhang Yida thought for a while and decided to leave a line. When the water is clear, there will be no fish. Those with less than 10,000 yuan will not be pursued for the time being.
Having a meal with a cooperator and charging two cigarettes for several thousand yuan would be overkill if pursued.
"Okay, Mr. Zhang, I understand. I'll go out first."
Yang Jiangang left the office with Zhang Yida's investigation mission, leaving Zhang Yida alone in the office. He closed his eyes, lay on his seat and meditated.
Zhang Yida guessed that this matter was probably the work of the commercial department, which colluded with external partners to help them lower the cooperation price, and then collected benefits from it...
He harms the public and enriches himself! His heart is worthy of death!
…
early morning.
As usual, Gao Tian drove a BMW 530 to the underground parking lot of Colin Building. After parking the car, he walked out of the car with a stylishly dressed beauty with a slim waist and long legs.
The beauty hugged Gao Tian's arm and said while walking:
"Brother Tian, I think the flat-floor apartment I saw the day before yesterday is good. Why don't we settle on it as soon as possible?
It would be a pity if it was sold too late."
Gao Tian glanced at the beauty and said with a smile:
"Why are you so anxious? Are you worried that you won't be able to buy a house if you have money?
If you like it, we can make a reservation on the weekend!"
"Okay! Okay! After buying a house, if you go to meet my parents in the future, they will no longer object to our dating."
The woman said happily.
Upon hearing the woman's words, Gao Tian's face flashed with displeasure, as if recalling some bad past events, and said:
"Manman, do you think this house is really that important? If young people today don't have a house, are they not qualified to get married?"
Yang Man tilted his head and glanced at Gao Tian, then said slowly:
“If you want to take root in a big city, owning an apartment is the most basic requirement.
If you don't have a house, you will be discriminated against if you get married, if you have children, if you go to school.
Reality is so cruel!"
Gao Tian nodded and said, "Well, good advice!"
After saying that, they stopped talking. The two walked to the elevator door in the basement. After entering the elevator, Gao Tian took his hand out of Yang Man's arm and said:
"There are many people in the elevator. If I bump into a colleague later, it won't be good to spread the word."
"It's so boring, why don't I just resign?"
Yang Man was a little angry and complained.
"Ding dong", the elevator reached the first floor and opened the door. A group of white-collar workers poured in. When they saw Gao Tian, they all said hello:
"Morning, Mr. Gao!"
"Mr. Gao, good morning!"
Gao Tian said nothing, smiled and nodded to everyone in response.
The elevator reached the 35th floor, opened the door, Gao Tian and Yang Man walked out, and the remaining girls chirped:
"Gao Tian is at least M4 now, right? Director level?"
"You don't even know the news from how many years ago. I was promoted to M5, Senior Director, a few months ago.
Apart from Gu Panpan, he is the largest in their content advertising business group."
"You said that Toulonghui Finance is going to separate from the content advertising business group. Will the general manager appoint him? Doesn't that mean he will be promoted to M6 again?
Is this speed of promotion like riding a rocket?"
"I can't help it, who calls me an entrepreneurial veteran? I heard that when Mr. Zhang signed Ruixiang's first cooperation order, Gao Tian ran the business with him."
"Zhou Cao, are you so NB? He is indeed a hardcore veteran."
"I heard that he is only 25 years old. M6's annual salary is at least one million! There are also options!
Wow, does he have a girlfriend?"
"You should have given up on this idea as soon as possible! I think that Yang Man follows him to and from get off work every day, so there must be no good for the two of them."
"Is it so exciting? If they have an office romance, aren't they afraid of being fired?"
"He hasn't been caught and exposed, and Gao Tian is a potential stock. Who is going to offend him?"
"That's right, weak people don't even deserve office romance."
Gao Tian arrived at the content advertising business group office area on the 35th floor and entered his own independent office. Yang Man was just an ordinary business consultant and could only work at his desk in the lobby.
Gao Tian hung his suit on a hanger nearby, made himself a cup of coffee, sat in his office chair and quietly read the financial news.
"Ding dong", Gao Tian received a WeChat message, the content was: "The goods have been shipped, please check!"
Gao Tian got up, quietly locked the office door, took out his mobile phone, made a call, and said:
"Go check and see if you have received a transfer of 2 million on the card."
After a while, a female voice came from the other end of the phone and said:
"I got it, two million is a lot. What have you been doing lately? Why do you get money every once in a while, from hundreds of thousands to millions?
Gao Tian, what are you doing? Don't do anything illegal or criminal."
"No, it's just a friend who entrusted me to help him settle the account. The money will be remitted to him in a few days."
Gao Tian explained with a smile.
"That's good, hey, it would be great if you earned all this money.
We can buy a house in Beijing!
But it doesn’t matter, we are still young, and you are already a senior director. If we save enough money in a few years, we can buy a house."
The woman on the other side of the phone sighed for a while, and then comforted Gao Tian.
"Well, let's work hard together! Sooner or later I will buy a house in the capital.
Okay, no more talking, I’m still at work! I’ll go to your place tonight!”
Gao Tian smiled and said, then hung up the phone and replied to the person who "shipped the goods" on WeChat:
"Okay, got it!"
Then Gao Tian cleared all the chat records and started busy with work.