In order to protect laborers' rights to receive labor compensation, the Criminal Law Amendment (8) stipulates that those who owe malicious wages will be investigated for criminal responsibility, "having the ability to pay without paying or evading the payment of laborers by transferring property, hiding, etc. If the labor remuneration is bad, he shall be sentenced to fixed-term imprisonment or imprisonment of not more than three years, or a single fine; if it has caused serious consequences, he shall be sentenced to fixed-term imprisonment of not less than three years and not more than seven years and fined. Based on the above definition, which of the following constitutes a crime of malpractice? ["A company does not operate well, is in trouble, and owes employees a year's wages.", 'Xiaowang, a migrant worker, asked the company for no pay and was beaten by the company.', 'Xiao Li Chao has set a limit for showing a credit card, and after the card-issuing bank fails to return it for more than 3 months after two collections, he charges Xiao Li with a crime of malicious overdraft.', 'Before the bidding, the developer and the construction company reached a tacit agreement. The two parties agreed that after the developer entered the prepayment into the account of the construction company, the construction company would return it to the developer intact, making the construction company unable to Pay workers.']