Fang Zhicheng thought about it and was ready to refuse. He was thinking about something to remind Wen Ling, so he nodded and said, "Okay, let's go together. Will you eat in the cafeteria with Qin Lang at noon?"
The Municipal Commerce Bureau is also in the compound of the Municipal Government. Fang Zhicheng thought that the couple should be able to meet each other often. Wen Ling shook her head and said, "We eat separately at noon. As you know, he occasionally has social events."
Fang Zhicheng smiled and nodded, saying, "Okay, I'll have lunch with you at the city government cafeteria at noon."
Chapter 0724 Greed Arouses Wen Ling's Trap
Fang Zhicheng had lunch with Wen Ling, mainly to talk about Wen Ling and Liang Fang. Last time on Wen Ling's birthday, Fang Zhicheng felt something was wrong, and judging from the way the two of them communicated today, Wen Ling seemed to have taken the bait thrown by Liang Fang.
Wen Ling helped Fang Zhicheng get a meal and said with a smile, "I know you don't particularly like meat, so I picked out some vegetables for you. Do you like them?"
Fang Zhicheng smiled faintly and said, "I have also eaten a lot of food in the city government cafeteria. It tastes good, but not as good as the food at Xiaguang."
Wen Ling's eyes flashed with a strange light, and she said, "Xiaguang's cafeteria is famous for its delicious food. I've heard about it too. Please treat me next time you have a flight attendant."
Fang Zhicheng smiled unhappily and said, "It's just a canteen meal, not a big dinner, why should I treat you?"
Wen Ling smiled and said, "It feels different. I always feel that I can get some advantage, which makes me feel better."
Fang Zhicheng nodded, finally getting the topic back on track, and asked calmly, "What is your relationship with Liang Fang?"
Wen Ling was slightly startled, and said truthfully: "Friends, you know, I came from Yinzhou, and I have no relatives in Hanzhou, so I have never made any suitable friends. Liang Fang is a good person, and we usually go shopping and eat together."
Fang Zhicheng shook his head, smiled bitterly and sighed, and said: "People's hearts are hidden in their stomachs. Have you ever thought about why she is different from others and takes the initiative to approach you."
Wen Ling sighed and said, "People don't go anywhere unless it's beneficial. Liang Fang approached me because she wanted me to buy her insurance."
Fang Zhicheng continued: "It's not that simple. I listened to some of your conversation that day."
Wen Ling said, "Yes, she asked me to invest my spare money in a project. Brother-in-law, you know that although the salary of civil servants is not bad, it is difficult to become rich, so we put two years of savings into that project. It can benefit 30% a year. As the saying goes, if you don't manage your finances, your finances won't manage you. It's right to invest in a side business, right?"
Fang Zhicheng sighed and said, "It's right to learn how to invest and manage finances. But the prerequisite is that you need to understand the specifics of the project."
Wen Ling smiled and said, "Brother-in-law, I have learned about the project. It is a company founded by overseas Chinese in Australia. The company's registered capital exceeds 1 billion. It has several large-scale 'summer grass' cultivation bases in provinces such as Xiangnan and Yunzhou. It has been invested for more than ten years. It will be commercialized in the next two years. Then the company plans to create a great publicity momentum, which will also require a considerable amount of money, so it will raise funds nationwide."
Fang Zhicheng said: "Everyone can tell stories, but they are not true. Only seeing is believing."
Wen Ling said: "Sister Liang showed me her bank statements. The company pays dividends every month according to the amount you invested. She invested 500,000 yuan, and her monthly income is more than 10,000 yuan, which is higher than her salary."
Fang Zhicheng immediately analyzed the problem and questioned: "You are contradictory in what you said. Since there is no large-scale marketization, how can there be dividends?"
Wen Ling also felt that there was something wrong with this, and hesitantly said, "It was mainly because the company took into account the enthusiasm of investors that it used this relatively novel investment method."
Fang Zhicheng smiled helplessly and said, "Wen Ling, you are a college student and an adult after all. How can you not be more sober in the face of such a simple scam?"
Wen Ling put down the spoon in his hand and asked in a low voice: "Brother-in-law, do you think I was cheated?"
Fang Zhicheng nodded and said, "If we give you dividends based on the company's annual net profit, it is still possible, but now we are returning a fixed amount every month, which is obviously a scam. There must be something wrong when things are abnormal. There is no free lunch in the world."
"But there is an insurance company guaranteeing it." Wen Ling whispered, "The insurance company guarantees our profits."
Fang Zhicheng shook his head and smiled bitterly, "I've never heard of an insurance company doing this kind of business, guaranteeing the annual earnings a company gives to its shareholders. I guess there's something wrong with this policy."
Wen Ling turned pale when Fang Zhicheng reminded her of this, and whispered, "Brother-in-law, what should I do? I have already transferred the money this morning."
Fang Zhicheng was slightly stunned. He didn't expect Wen Ling to act so quickly. It was only a few days before Wen Ling's birthday, and Fang Zhicheng was thinking about finding time to talk to Wen Ling. He didn't expect that in the blink of an eye, Wen Ling had fallen into the trap and became a lamb to be slaughtered.
Fang Zhicheng also felt a little regretful. If he had known earlier, he would have pointed it out on the spot. However, the two were chatting at the time, and if Fang Zhicheng interrupted them, it would have seemed very uncultured.
Fang Zhicheng is usually very busy with work. When he saw Wen Ling and Liang Fang together today, he remembered to remind Wen Ling, but he was unexpectedly a step too late.
Having said that, both of them lost their appetite.
Fang Zhicheng sighed heavily and asked, "How much money did you invest?"
Wen Ling's eyes turned red, and she said, "About 300,000 yuan, of which 50,000 yuan came from my parents, and 100,000 yuan from his parents."
Three hundred thousand is not a small sum for ordinary people. With the current housing prices in Hanzhou, three hundred thousand can buy a commercial house with a good location and an area of more than one hundred square meters.
Fang Zhicheng guessed that this money was probably what Qin Lang and his wife had planned to save for buying a house. Now that it was gone, Wen Ling was naturally flustered.
However, it is understandable why Wen Ling invested the money. According to the 30% dividend, 300,000 can get 90,000 dividends per year, which is more than 7,000 per month, which is more than the salary income of Wen Ling and Qin Lang.
Fang Zhicheng sighed softly and said, "Just be patient, there may still be room for maneuver."
Wen Ling consoled herself by saying, "Yeah, maybe he's not a liar."
Fang Zhicheng smiled helplessly, and then said in a low and serious voice: "Wen Ling, don't have any fluke mentality now. This company called Kairuis International is definitely a liar, but now they are playing a long game and haven't closed the net yet, so we still have a chance to find out this fraudulent company."
"In fact, this type of fraud is not uncommon. They use private placement to raise funds and promise to lure members with high profits. Generally, in order to expand the snowball, within one to two years, the fraud company will fulfill its promise and give members high dividends. In fact, this part of the money is paid by the sheep. The company will return a part of your investment to you every month. But the time will not be too long. When the return reaches a certain ratio, the company will run away with the money."
After Fang Zhicheng's clear explanation, Wen Ling suddenly came to her senses, reached out and grabbed Fang Zhicheng's arm, begging with tears in her eyes, "Brother-in-law, you must help me."
Fang Zhicheng frowned, secretly sighing that Wen Ling was a woman with a quick mind. This has both advantages and disadvantages - the advantage is that she always knows what she needs, and then uses methods to achieve her goals, but the disadvantage is that often cleverness backfires. While you are calculating others, others are also calculating you. When a carefully planned scam is aimed at you, it is often easier to fall for it.
Fang Zhicheng whispered, "Don't worry, I won't tell Qin Lang or Yu Ming about this. At the same time, you have to keep in touch with Liang Fang as usual, and don't alert her. I will arrange for someone to investigate Kairuis International to see what kind of company it is."
Wen Ling nodded and said, "Brother-in-law, I'll leave everything to you."