Urban Sims

"Boss, at the end of the month, Li Xiaobo hasn't called the money yet, and he can't get through his phone. How to do the boss?" Employee Wang Dachao said.

"The boss, Noda Michiro in the eight districts of Seongbuk, has not repaid this month. The first two months have repaid on schedule. He called and asked him. He said something went wrong at home. He was in a hurry to use the money. Return together. "

"Boss, I just took someone to look at Sun Siyuan's house. After he sold the house, he ran away with the whole family! Five million credit points, ran!" Ye Tiandong, who was responsible for collecting money from Qianzhuang, called. Road.

"I've said it for a long time, isn't it? Boss, don't make any loan service, hurry up and close it! Now the loss is small and it's too late!"

Qian Dalang, the manager of Qianzhuang, stood in front of Zhou Ming and persuaded him tirelessly.

Zhou Ming leaned on the boss chair in a comfortable posture, rubbing his temples with his index finger, feeling a little irritable.

The loan service has been launched for more than three months. A total of 144 loans have been released, of which 112 are secured by assets and 32 are unsecured loans.

These loans, of which 83, have entered the repayment stage.

But so far, plus three cases today, four cases yesterday, and six or seven days ago, there are a total of 17 loans. Various problems have arisen during the repayment stage.

There is no connection.

After selling assets, the family moved.

There are various excuses for delaying time.

I believe that after a period of time, it is estimated that a strong tone will appear, directly indicating that the money will not be paid.

There will even be people who justify themselves and say, "Why should I repay with the money I borrowed?"

Therefore, Zhou Ming is a little bit big. It is only a few months, and there are not many loans. How come this is so far?

"Integrity and integrity! Everyone talks about integrity, are they civilized people, who use swords and guns, how bad is it for everyone?"

Zhou Ming is a good loan shark who understands his world. If the country advocates the establishment of an honest society, they will definitely be the first to raise their hands and feet in favor. Honesty is really important. If everyone does not speak of honesty, they really Drink northwest wind.

However, Zhou Ming is still a person who speaks a little bit about conscience and morality. The interest of the loans he released is far from the level of usury. It is only 5% for half a year and 10% for a year. There is no roll-over system, and loan customers need every year. The interest repaid is around 10% of the principal. The more the principal is repaid, the less additional interest will be paid.

In addition, the customers who come to the loan, Quick Money Bank, will also conduct strict screening and asset evaluation. Those who have no repayment ability at all will be excluded. Those who have sufficient asset mortgages and repayment ability will only issue loans. People just borrow money, that is looking for death.

Even so, even though 144 of the thousands of lenders were screened out, seemingly good customers, the high default rate still surprised Zhou Ming.

The reason for this is that on the one hand, it is related to the selfish and greedy nature of people in this world; on the other hand, the laws of this world have several terrible provisions regarding loans:

1. Any loan with an annual interest rate higher than 2.5% belongs to usury, illegal!

Second, in the face of usury, people can not repay for no reason, legal!

3. When the court encounters a loan shark dispute, it unconditionally stands on the side of the borrower and imposes severe penalties on the loan shark.

In short, the combined meaning of these articles is just one sentence: illegal lending and innocence!

Such a simple and rude law requires almost all forms of usury to be put on the road to death and be wiped out.

Zhou Ming certainly understands the starting point of this approach. After all, advanced consumption is an overdraft for the future and an overdraft for resources. Regardless of usury or low usury, once flooding occurs, social polarization, chaos, early enjoyment, and resources The phenomenon of overdraft will surely give a healthy and stable social body to the corroded and ugly.

The future can be overdrawn and will be repaid sooner or later.

But Zhou Ming has managed so much there!

Debt repayment, just right!

When Lao Lai does not repay the money, he can warn, sternly warn, the warning is invalid, take your property, and kill you!

...

A week later.

The Thug Group is officially established!

In fact, as early as more than three months ago, this group of thugs started recruiting thugs and training.

Most of the origins of thugs in the thugs group are very simple. They are all promoted from the lower zone to the 52 zone through various killing competitions. Now they are all captured by Zhou Ming.

These thugs, all muscles, all fierce and evil, all cunning and cruel, all heart and soul, they each harvested at least 3 to 5 lives, and maybe a few monsters, eaten human flesh, drank humans Blood, no bottom line, no evil.

For example, there are a few dead guys in the band, whose nature is difficult to change, thinking that since they have come to heaven, they will naturally live a more dashing and happy life! If you have a job, you do n’t want to say it, you do n’t have any money to spend. Hey, if you have money, hand it over and rob? That's right, I was robbing! Don't take money to shoot you!

There are two others who can't control the sperm in their brains. Seeing that there are so many beauties in heaven, no matter whether it is day or night, there is no one in the sky. Covering your mouth and dragging into the grass, it will snap.

These dead guys succeeded in killing, some were shot by the police, some were caught in a temporary prison, and all the property was confiscated, waiting for the zero to be dealt with ... During the three-month training period, there were seven thugs, Die to death.

Zhou Ming didn't pay attention to them, nor would he spend half of his money to save them. He recruited thugs and obedient employees! Not a brash man without a brain, and an idiot who can't control his behavior.

The "training" he did for these beaters was not muscle training, but to introduce them to the rules of the 52 area, let them understand the laws of the 52 area, let them know the situation they face, and let them understand: only follow Boss, it is possible for them to be mixed up, so that they no longer become "rats" that everyone hates. On the contrary, they will become "devil" in the eyes of those who laugh.

After the first phase of training, the effect was remarkable. Except for the seven successful candidates, the remaining 22 people all put on handsome and capable uniforms, and the soldiers were divided into multiple routes and officially started to work.

...

East of Yaoxing City.

Baowan Town.

Li Xiaobo has been working at Dalin Agricultural Company for more than three months. This agricultural company has just established and has 300 acres of farmland, but it lacks workers and funds. The treatment offered is only 3000 credits per month, which attracts job seekers. It was not very powerful, and it was difficult to recruit people for a while. The company's boss had to lower the requirements and hire a few workers to come at a low price of 70,000 credit points.

In fact, Li Xiaobo was originally a member of the pigeon family, and worked as a short-term worker for more than ten years. The credit point deposits on his body never exceeded 3,000, but he has a Star S8 communication instrument that he does not know how many hands have passed. This old communicator is almost a hundred years away from the factory date, and it can still be used.

So, relying on this communication device, he encountered a once-in-a-lifetime opportunity: a fool company has actually launched a loan service, which can be used for loans to solve difficult problems.

Exactly, the job exchange online, he saw the recruitment information of Dalin Agricultural Company.

A life-changing opportunity is here!

The loan was paid, and after working officially, out of the gratitude in his heart, on the 15th of the first two months, after the salary was paid, he would send half of the salary to the designated account of Quick Money.

"The loan is 70,000, and 90,000 is repaid within four years. This is obviously a usury. It violates the" Anti- usury Law ". You don't need to repay it. You are stupid!"

The remarks of my colleagues made Li Xiaobo's initiation and the salary of 3000 credit points a month would have been less, and half of it was lost. He will have four years of hardship. He is 28 this year, and he wants to marry a wife.

No more!

Li Xiaobo's heart is beautiful, and he has earned more than 60,000 credit points, not to mention that the salary he saved will soon end his single career.

"Li Xiaobo, someone outside is looking for you."

On that day, Li Xiaobo, who was working in the greenhouse, stopped working on his hands after hearing the colleague ’s shouting. He looked suspiciously outside the farm and saw someone who said he was looking for him: a well-dressed suit, But he was a burly man with a gigantic smile on his lips.

I do n’t know why, when I saw this man in a suit, Li Xiaobo suddenly felt a little guilty, but he still dared to ask: "Hey! Who are you? What are you doing with me?"

"It doesn't matter who I am, the point is that you owe money to Quick Bank, you should pay it on time."

The man in a suit said, twisting his neck, making a clicking sound, and with several light scars on his face, he also showed a kind of stubbornness and entanglement that wanted to crush an ant, but had to negotiate with Sven.

"No repayment! This is an illegal loan shark. I have the right not to repay it. The law is on my side!" Li Xiaobo was straightforward.

"No, no, you are not borrowing from usury, you are borrowing more or less human debt. The law stipulates: non- usury debt, the debtor must pay off, and the law protects us creditors."

The man in the suit extended his index finger and shook it in front of him, correcting his statement.

"Impossible, when you make a loan, you said yes, you have a loan of 70,000 and pay back 90,000. This is a usury!"

"Oh, you take the contract and see if it says you paid off 70,000 in half a year, or 90,000 in four years?"

Li Xiaobo immediately ran to his room. After finding the contract, he looked at the above clauses one by one. Sure enough, after seeing the clause of "paying off 70,000 debts within six months, without charging any interest", his body was shocked, if he was hit hard. Generally, stay there still.

...

It turned out that before launching the loan service, Zhou Ming had anticipated this point, so he made a contract in the contract. All loan agreements, regardless of the interest, were written "repay within six months, no interest", if the customer really does The interest was paid off within half a year, and the previously negotiated interest can be dispensed; but if it is over half a year, the other party has not paid it off and wants to pay off the debt, then a court notice will sue him Bankruptcy.

After all, debt is a society of any kind, UU reading www. Uukanshu.com can't be wiped out, but usury can be declared illegal. What about human debt? If it is also declared illegal, that is, "borrowing money without paying back" is legal, then the so-called axiomatic justice will also become illegal, and eventually the moral level of this world will be further collapsed and lost! Thereby causing endless turmoil.

At present, Zhou Ming does n’t even want to rely on that point of loan interest to realize his dream of a sudden increase in wealth. At the very least, he will first recover the principal that he has released. .

Therefore, apart from regretting why he signed without seeing the terms of the contract, Li Xiaobo still honestly continued to repay those loans, no pie in the sky, and no one was a philanthropist who gave you money for nothing.

As for the other dozen or so customers who breached the contract, after receiving the warning from the band members, some people, like Bruce Lee, honestly paid back the money.

In the other part, in the court, a lawsuit was filed with Swift Bank, and most of them lost the lawsuit and lost their money.

There are still a small part of them, with the whole family and the young, running without a trace, thinking that the people of the Quick Money Bank cannot be found, secretly stealing joy, and when Zhou Ming entered the police system in Yaoxing City, these people ’s Lucky and fantasies, like bubbles in the sun, quickly evaporate and break ...