Creation of Dongying Guitan

In the package of dim street lights, Satomi said while eating a ball:

"My parents died young and I have been raised by my grandma.

In the family, there are four people in total, me, grandma, grandpa with leg problems, and grandma's elder brother, oh, he had a stroke in his early years and has never been cured.

Although our family's life was a bit difficult before, we can barely support it.In terms of income, I have been relying on my grandma to do part-time jobs for others, as a cleaner.

But because I was preparing for university, my grandfather's illness also worsened, and the expenses became tighter. I was often stretched, and I couldn't even pay the rent. "

"In this case,"

Gu Xing thought for a while, "You can try to get a loan from the bank, there is no need to take the risk of borrowing usury."

Rimi shook her head,

"It seems to be because my grandma filed for personal bankruptcy in the early years, and her personal income is not stable, so our family cannot borrow money from formal financial institutions.

Later, grandma found out about a usury company called Xingtian, and got to know Yoshino... Don't look at his fierce look now, at that time, he treated my grandma and everyone in our family with admiration Very polite, almost respectful. "

That's natural, it's not God when you borrow money.Gu Xing thought to himself.

Treat everyone who comes to borrow with the most enthusiastic attitude, which is an unwritten rule in the usury industry in this country.

When the borrower came to borrow money, the entire usury company was filled with a warm and friendly atmosphere.

The loan process is surprisingly simple compared to banks, only requiring the borrower's ID, home address, work address, phone number, and so on.

Of course, there is only one purpose behind this kind of God-like enthusiastic service - to make the borrowers feel at ease and relax their vigilance.When the usury salesmen collected the bills, their faces were ten thousand times more terrifying than imagined.

"Coaxed by Yoshino's rhetoric,"

Satomi went on to say: "Grandma borrowed 5 yen (Japanese for yen) from Koda Company.

, I didn’t expect that the actual account was only 3 yen. "

"Is this the payment of beheading interest?"

Gu Xing, who has been living in a difficult life for a long time, has also consulted about the usury business, and has a little understanding of the doorway——

The biggest feature of usury in this country is the short-term high interest rate, generally speaking, a cycle of 10 days, and the amount ranges from 1 yen to 5 yen.

The most common interest rates are 10%, 1%, and 3% for 5 days, and the highest annualized interest rate can soar to more than 1800%.It should be known that the law of this country stipulates that the highest annualized interest rate shall not exceed 20%, which shows that usury is really scary.

里美的奶奶的借款到手只有3万円，但借据上肯定是5万円。至于扣除的部分，包括1万5千円的利息和5千円的手续费。

If the weekly interest rate is 30%, but grandma earns less than 5 yen a week, she will have to pay 1.5 yen in interest in the second week. If she fails to pay back the money for two consecutive weeks, Yoshino’s 3 yen principal has been returned. But the 5 principal on the IOU has not been repaid.

As a result, the snowball got bigger and bigger, and borrowers like Granny Satomi would eventually owe huge debts that could not be repaid at all, and would irretrievably fall into the abyss of family ruin.

Just like a saying widely circulated in this industry - the moment the IOU is written, the gates of hell are opened at the same time.

Thinking of this sentence, Gu Xing always felt that there was a small hole in his language style. Sure enough, there was a price to pay for everything?It's really not very auspicious.

"That's right, it's beheading,"

Satomi's tears seemed to have dried up, but her eye sockets were still red.

"But how did I know at the beginning that the beheading clause is hidden in a very hidden place in the contract, and my grandma doesn't know much about it..."

Satomi's grandmother once told her grandfather very naively that if the short-term loan is repaid quickly, the interest rate will not be very high, thinking that in a few days, she will repay the money when she has more money.

Unexpectedly, when repaying the money after a period of time, Yoshino told his grandma that he had to repay 15 yuan at a time.

Satomi gritted her teeth, her eyes were fierce,

"Where does our family have so much money? Grandma collapsed on the ground when she heard this number..."

Although grandma has been working very hard and doing some odd jobs, the money of Satomi's family has not been paid, and the result has been snowballing and getting bigger and bigger, hanging in the air every day, and it is about to kill the whole family. crushed to death.

Yoshino would come to collect debts every day, calling and harassing him day and night. He went to the place where Satomi’s grandma worked to make trouble. lady.Later, it got worse, and once even booked a funeral company to provide door-to-door service.

Of course, if it's only this level, Satomi's grandma can barely hold on.

Until one day, Yoshino went to school to find Satomi, and asked her if she would like to work in the folk industry in the future to help the family pay off the debts... Grandma's spirit finally collapsed completely.

One morning, grandma took Satomi to the relief station and told Satomi:

"Satomi, grandma is going on a long trip, so you can come here after school, okay?"

Speaking of this, Satomi's tears fell again.

Gu Xing handed over a tissue.

Satomi took it, but only held it.

That day, grandma put all her wallets in a newspaper and stuffed them into Satomi's arms. After that, she walked into the relief station and said something to the staff inside, and then left alone.

That afternoon, after returning home from school, Satomi heard that grandma took her grandfather and grandma's brother to the subway station and committed suicide by lying on the rails.

Chapter 8 The first bizarre incident unfolds

When Satomi finished telling the story, Gu Xing finished eating the rice balls.

"Are you still in school?"

Gu Xing handed Satomi a bottle of canned coffee with a unique packaging, "If you only eat dumplings, you will be thirsty."

Satomi took the coffee and stared at the logo on it for a while,

"I didn't expect that the first time I drank canned coffee in my life came from a strange police uncle."

uncle?I'm not much older than you.

Gu Xing suddenly felt that the rice balls and coffee were not good.

Having said that, the people of this country really like to drink canned coffee. The average person in this country drinks about 91 bottles of canned coffee per person every year.All the coffee manufacturers have also chosen what they like, and have produced various limited editions in Beihai, Dongdu, and Lidu.

Of course, an important reason for the popularity of canned coffee is-cheap.Generally, it only costs about 130 yen after tax, and few people can afford it.But Satomi has never drank it, which is evident in the poverty of the family.

"After my grandma passed away, Yoshino started following me and often went to school to make trouble,"

Satomi put the coffee in his arms and continued:

"Although the teachers and security guards at the school talked to Yoshino alone, it didn't seem to have any effect. He waited at the school gate before school was over. The students even thought that I was engaged in the custom business in order to pay off the debt... After a few days, Those bad students also followed me and often blocked me in the corner of the school, so I must not be able to go to school.”

Speaking of her own affairs, Satomi calmed down a lot, and her tears gradually stopped.

"I know the situation," Gu Xing said, "I will try my best to help you."

"Actually, I figured it out," Satomi calmed down now, "You'd better not help me."

"why?"

"Because it's not as simple as you said,"

Satomi hugged the coffee in her arms tightly,

"If you choose to stand on my side, you will eventually face not only Yoshino alone, but the Koda usury company, as well as the big figures in the police station and even the headquarters that they often contact behind them. You may lose your job, or if it is more serious, your life safety will not be guaranteed.”

Gu Xing looked at her strangely, it was not easy for a 17-year-old girl to think of things like this.

But from Gu Xing's point of view, he didn't think that the usury company could really have a close relationship with the top police officers in Lidu. This statement was a bit alarmist.

"This is my own business, you don't have to worry about it."

"How dare I drag unrelated people into my troubles?"

Satomi shook his head, "If you must help me, try to introduce me to the special investigation department of the headquarters as an investigator assistant. In this way, I have a big tree to rely on, and you don't need to directly fight against the usury company , so you don’t have to worry about all kinds of troubles in the future.”

Another special investigation class... I really don't know how an ordinary person in Satomi knew this kind of news.

"To be honest, I know almost nothing about the special investigation class you mentioned. I only heard about it after the big black hole emerged recently,"

Gu Xing said: "And

Moreover, in this country, not all police officers have to take the national or local civil service examinations to be appointed. Let me explain why. "

"Oh... oh, I almost forgot,"

Satomi slapped his head,

"Anyone who has seen a case handled by the Special Investigation Section will forget about it afterwards, so of course it's normal that you don't know.

As far as I know, not all the staff of the Special Investigation Section are recruited through examinations, and more depends on the individual's talent.

What I want to say is that, after all, you are also in the police system. In case, I mean, in case there is any opportunity in the future to deal with them, you can ask for help—it is never forced. "

"How do you know about these bizarre things?" Gu Xing asked: "Didn't you say that people who have seen them handle the case will forget it?"

"this,"

After hearing this, Satomi looked embarrassed, "It's really a secret, if the time is right, I'll tell you, okay?"

"Okay." Gu Xing thought for a while before replying, "I will remember this matter."

The two talked for a long time, Gu Xing looked at his watch, and it was almost time for him to be on duty.

"Where do you live now," Gu Xing asked Satomi, "relief station?"

"I hate the relief station. I don't feel at home at all. I can't stay there for half an hour before I come out."

In fact, there are deeper reasons for Satomi's refusal to live in the relief station. First, it was the place where Satomi saw her grandma for the last time, and that painful memory will inevitably be brought back.

Second, the relief station that grandma took Satomi to is located in Shouding Street in the north of Jing'an District. It is a place specially provided by the government for homeless people living in Lidu.

Many of those people came from cities that were swallowed by the tsunami, as well as temporary workers, the unemployed, the homeless, and bankrupts abandoned by their families because of loan sharks.

For a long time, they lived in various Internet cafes, game rooms, and cafes. However, due to a terrible epidemic a few years ago, the indoor venues in Lidu City were closed for a long time, and the government concentrated the homeless people in Kotobuki Street provides public assistance, social security and medical treatment, and even prepares public bathrooms, canteens, beds, and entertainment rooms for laborers.

Although it has been evaluated by some media as a "street of citizens' well-being", the frightening thing is that people who live in Kotobuki will face permanent discrimination in society. Whenever they apply for a job, they will hear such voices —— "Oh, so you live in Kotobuki Street."

It has been reported that of the more than 1 people living in Kotobuki Street, only 14 of them left that humble place permanently.

Satomi is still very young and doesn't want to bury her future there.

"If you don't want to live in the relief station, where else can you live? Yoshino should go to your grandma's place from time to time." Gu Xing said, "If you don't mind, you can live with me. I will rent a basement for you, and I will pay the rent back." Affordable."

"My grandma's house is also rented," Satomi replied, "but the rent hasn't fully expired yet, so I won't go there during the day, and I can sneak back late at night. At grandma's house, even if it's a ghost accompanying the three of them, I feel warm too

Xin. "

"Ghost?" Gu Xing felt cold behind his back.

"Of course I imagined it," Satomi said with a smile, "I didn't expect that a dignified policeman like you would be so timid."

Gu Xing thought for a while, then took out some cash from his wallet and handed it to Satomi, "The rent at your grandma's house is about to expire, so you take the money first, and pay some of the money for rent, and the rest can be used for food and drink."