Sun Chao drove back to the People's Hospital, his spirit was a little trance, and the experience of just one afternoon today made him feel like he was dreaming.

All kinds of sudden events were replayed and replayed repeatedly in his mind, buying a car was despised, the scumbag Xu Xiangdong, the witty and funny Dou Jiao, he still had a job, as well as Tang Qing's loan business, as well as Tang Qing's company, as well as the group of terrifying women, the beautiful Qi Yan, the information received on this day was so great that it made his tenacious nerves a little confused, the people and things in it were something he had never experienced, and he had seen them all in such an afternoon, and the impact on him could be imagined.

When he arrived at the hospital parking lot, Sun Chao did not get out of the car directly, but sat in the car and fell into thinking, this will be a new life waiting for him, so he didn't know how to face it for a while.

Ten minutes, after sitting in the car for ten minutes, he still hasn't straightened out, and his heart is irritable.

At this time, Sun Chao suddenly remembered the words of the instructor he admired the most in the army: "A man must stand up to the sky, no matter whether it is right or wrong, as long as he does not betray the country and the people, then do what you think is right." ”

"Smack... ”

Sun Chao slapped the steering wheel.

It's done, hesitating so much about what to do, people are dead and birds are facing the sky, and I'm afraid of a ghost.

Although there are too many doubts in his heart, since he has made up his mind to follow Tang Qing, there is nothing to think about, even if he breaks the law, since he owes Tang Qing, and people can afford him, then what else is there to say, as long as he is not against the country and the people, he will do it without hesitation.

Sun Chao, who had untied the knot, returned to his mother's ward, still carrying some fruits in his hand, which Tang Qing had bought on the road before, and they were the most expensive.

"Chao'er, what are you doing with fruit again, wasting money. The grandmother suddenly smiled when she saw her son come in, but she was a little sad when she saw a few big bags of fruit in Sun Chao's hands, she knew that her son was carrying a huge debt, and when she saw her son buying things for himself, she would unconsciously think of it, although she was moved in her heart, but in her opinion, she could save a little, so that her son could pay off the money one day earlier, otherwise it would be difficult for her daughter-in-law to owe so much money。

"Mother, I didn't buy it, I bought it from the one who paid for you. Sun Chao said with a smile, Tang Qing bought a lot of fruit on the side of the road before, and he thought that Tang Qing bought it for his uncle's family at first, but when he left, he knew that he bought it for his mother.

Tang Qing is also rich now, and he doesn't have a count of things to buy, anyway, he will install whatever he sees is good, if he is not afraid of breaking it, he wants to fill the trunk, after all, even if it is stuffed, it will be thousands at most, and now for Tang Qing, spending this money is really no different from spending a hundred yuan.

"That's it, Chao'er, this time I really owe people a lot of affection, it's all my mother's fault, let you owe so much money to others, it's my mother who drags you down. The grandmother couldn't hold back her tears as she spoke.

"No, you gave birth to me and raised me, this is a great kindness, and I am willing to owe more money for you. Sun Chao hurriedly took out the paper and wiped his mother's tears, now that his mother had just undergone surgery, she couldn't get out of bed, and she had to sit up.

Seeing his mother crying, Rao was firm-hearted, and he couldn't help but blush.

"Chao'er, sit down, what did the boss tell you to do just now?" said the grandmother, who also stopped her emotions.

"He introduced me to a job, worked as a driver, and tomorrow I went to go through the entry procedures, and even the car I drove back and parked outside the hospital. Sun Chao didn't dare to say the identity of the bodyguard, he was afraid that his mother would worry about his safety, and when his mother thought that he was doing such a dangerous thing as a bodyguard, he would definitely feel even more guilty, and this mood was not conducive to the recovery of the body.

When the grandmother heard that her son had a job, she said happily: "That's right, that's good, you must work hard, you must not be half-hearted, you know, we don't force the salary, after all, you owe so much money to others, you can support yourself." ”

"Yes, I see, I'll rent a house near the company to take care of you when the time comes. Sun Chao agreed.

"Where do I need your care, it's not that I can't walk anymore when I'm sick, when the time comes, I'll find an easy way to live and make some money, I also asked the doctor, and the doctor said that I can't do heavy work in the future, there is no problem with anything else. The grandmother said that she didn't want her son to bear the debts alone, and she still wanted to pay off the money as soon as possible for her son Zhang Luo to have a daughter-in-law.

"No, you've been tired all your life, you should have a good rest, I'll go and make money, although he didn't say how much the salary is, but with his character, he will never treat me badly. Sun Chao said that although he didn't know what Tang Qing said before, the salary of the deputy minister of security was, but it should not be low, and he would only keep a little living expenses for himself and his mother at that time.

"Well, you must repay others well, our Sun family has never had a white-eyed wolf. Grandmother nodded.

"Got it, mother, come, I'll peel you an apple, the doctor said... ”

。。。。。。

The next day

Tang Qing received a call from Dou Jiao on the way to school, and it was done.

With Tang Qing's previous guidance, after a night of consideration, Dou Jiao had completely made Xu Xiangdong's brain a mental patient, so the more she thought about it, the more scared she became, the more she thought about it, the more frightened she became, and finally decided to resign the next day and stay away from this 'mental illness'.

Although it was a bit hasty and a little inconsiderate to join Tang Qing, a person who only had a one-sided relationship, she didn't know why, her intuition told her that Tang Qing was not a bad person, and this inexplicable trust she could only blame on the mentality that she was an only daughter and wanted to have a younger brother. She knew that this was not love, after all, she was not a child again, and this could still be distinguished. Besides, he is not a vegetarian, and there are really few people in Qingyan City who dare to deceive him.

Hanging up the phone, Tang Qing couldn't help laughing, thinking that Xu Xiangdong was 'being mentally ill' and he felt so funny, and finally breathed a sigh of relief, Xu Xiangdong's 'chic' 'boycott' at the beginning made him dissatisfied, and now Dou Jiao is preconceived, even Xu Xiangdong is not mentally ill.

For Dou Jiao, Tang Qing didn't specifically ask her to do her own loan management, or loan management is only a very small part of the content.

The company set up by Dou Jiao is just the prototype of the future asset management company, and its main role is not to supervise other companies, but to provide information consultation and deal with some miscellaneous matters, such as he wants to involve an unfamiliar industry, so who will do the messy things of the entire industry investigation, preliminary preparation, and personnel recruitment, of course, it can't be him, how can he have this time.

For example, if he wants to raise funds or investigate the detailed economic data of a certain country, then who will do it? It will also be this company, to put it bluntly, the main business of this company is to serve him, and loan management is just a miscellaneous business at present.

And now there is no need for this company to be huge, the company's business in the early stage is mainly business information survey, although the country has not opened up the industry too much at this time, but everyone is doing it, the boundaries are really a little blurred, and it is not open to the public, so he is not afraid.

At noon, Dou Jiao came to Baiwei Restaurant as promised, Tang Qing also waited in the box early, this time in order to let Dou Jiao get familiar with this business first, he directly asked for leave in the last class.

"Yes, this is our purpose at noon today, and it is also one of the contents of your work in the future. Tang Qing handed over the prepared blank contract, although it was blank, it was only missing a little customer information and the like, and all the terms were printed.

As soon as Dou Jiao looked down at the title of the loan contract on the first page, she looked at Tang Qing with anger on her face and said, "You, you are actually lending? It can't be a loan shark, I won't do this job." ”

"Take a closer look at the content, my Jiaojiao sister, what kind of loan is high. Tang Qing smiled bitterly.

Dou Jiao didn't say anything when she heard it, and lowered her head and flipped up the specific content of the contract.

"The interest rate of one percent per month is very low, you still make fart money with this interest, it is the high point of liquidated damages, you don't want to make money by relying on the other party's breach of contract, right?" Dou Jiao, who was used to reading the contract, read the contract in just three minutes, closed the contract and asked Tang Qing suspiciously, she could see more than Sun Chao, and saw some hidden conditions in the contract.

"I... That is true... Tang Qing was speechless, I'm a good person, okay, and then explained what he said to Sun Chao again.

"Well, if I knew that you were a loan shark, I would resign immediately. Dou Jiao pondered for a while and said, as long as it is not a loan shark and there is money to take, she also thinks this work is good.

"Okay, I'm going to be a loan shark, you can call the police. Tang Qing patted his chest and reassured.

"Cut, you don't know the law when I don't know the law, and if you don't break the law by lending usury, what's the use of calling the police. Dou Jiao glanced at Tang Qing with disdain, and that look seemed to say Are you legally blind to me?

"Well, hehe, that's the same. Tang Qing touched his nose and sneered.

That's true.

It is true that there is no crime of usury in our country, and it is not illegal to lend usury, but it can only be said that the surrounding behaviors may be illegal, such as violent demands, illegal detention, secondary lending with state loans, and illegal fund-raising.

But as long as the money is your own, not a loan from a bank or an illegal fundraising, then it is not illegal for you to set the interest rate as high as possible, and this is an economic dispute, and even the police will not care, just like in the future, as long as there is no personal injury or mental destruction, the police will record a written confession at most and then let you go, negotiate by yourself or find the court to solve it, even if you sue the court, you can at least get back the principal and 24% interest a year.

The state stipulates that the annual interest rate higher than 36% belongs to usury, less than or equal to 24% is the interest supported by the national law, and the interest between 24 and 36% belongs to the debt of nature, and the interest in this range means that if you have given this part of the interest, the court will not support you to get it back, but you have not given it, and the court will not help others ask you what you mean.

Generally speaking, in our country, usury itself is not illegal, even if you sue the Supreme Court, you have to repay at least the principal and at least 24 percent of the interest, and it is impossible to say that others have repaid the debts because of usury.

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