Chapter 408: The End of the Loan King

Zhang Yida is also a Weibo V, the kind with tens of millions of fans. Watermark Ad Test: Watermark Ad Test

His voice was also reposted by entrepreneurs and celebrities from all walks of life.

It turns out that Huinong Loan is not an online loan platform, which is the first reaction of many netizens.

The annualized interest rate is only 6%, which is only 1.64 per 10,000 per day when converted into a daily interest rate.

Borrowing is already a conscientious loan, and the daily interest rate is 1.5 to 6 ten-thousandths.

In addition, many users clicked on the video link of Zhang Yidafa and played the video.

A rooster map lit up with countless small red dots, and the background introduction sounded:

"In three years, from the northernmost Mohe of the motherland, to the southernmost Sansha, from the easternmost Fuyuan, to the westernmost Wucha.

With 22 provincial companies and 215 county-level branches, the footprints of Huinong people are all over the north and south of the motherland......"

After introducing the achievements of Huinong Loan over the years, he began to show the daily work of Huinong Loan's employees.

"My name is Naren Tuya, and today I am going to a herdsman's house to conduct a pre-loan investigation......

On the endless prairie, a Mongolian girl wearing a Huinong loan uniform rode on a horse, smiling at the camera and introducing her daily work routine.

In addition to riding horses to give loans to herdsmen, there are also those who go to the island by boat to give loans to fishermen, and drive through the desert and snow......

It can be seen that the working environment of grassroots business managers is very difficult, and many of them are in the border areas of the motherland.

"My name is Wu Yong, I am 55 years old this year, and I make a living from farming......

In the video, an old farmer dressed plainly and speaking a Hunan dialect appears.

Facing the camera, he briefly told his loan story.

Three years ago, the old farmer had just escaped from the black work den where he had been trapped for 16 years, and had traveled thousands of miles to return to his hometown after 30 years of absence, relying on begging and odd jobs.

At that time, Lao Wu really responded to his surname and had nothing.

When Lao Wu returned to his hometown, he found that his home was gone, his parents were gone, his house was gone, his land was gone, and even his household registration had been cancelled.

"When I left home and went back, my hometown voice has not changed, and my sideburns have declined. When the children don't know each other, they smile and ask where the guests are from. ”

The difference was that the village children didn't smile and asked him where he was coming from – they all took the ragged old Wu as a begging for food.

Those who knew him thought he was dead, but those who didn't know him thought, "I'm afraid this person won't survive." ”

The villagers and neighbors took pity on him and gave him an abandoned old house and some daily necessities.

Lao Wu picked up some wasteland that no one wanted, and was ready to be self-reliant and "live" first.

But the cost of buying fertilizer seeds became a problem, and he borrowed money from his neighbors.

It wasn't much, just five thousand dollars, but no one was willing to lend it to him.

A lonely old man who has been wandering for thirty years, who dares to lend him money, in case he can't pay it back? Or kick his leg one day?

Facing the camera, Lao Wu smiled bitterly: "Later, I heard that rural credit cooperatives can take out loans, and I also asked about it.

People say no, I don't have anything, I don't have anything to pledge, I don't have a guarantee, I don't even have a home.

And I borrowed too little, and people didn't want to bother with it.

Later, Manager Zhong of Huinong Loan came to me and said that their unit was willing to lend me money.

And there are not so many rules and regulations, nothing is needed, it is all based on credit.

She came to my house many times, asked me a lot of questions, and finally lent me 5,000 yuan.

She said to me, it's not help, it's support.

You don't have to feel like you owe me a favor. You are on your own, on your credit. ”

Speaking of this, Lao Wu burst into tears and revealed his true feelings:

"Seriously, I've lived for almost 60 years, and people say you don't have this or that, and very few people tell me what you have.

I decided right then that I had to pay it back even if I went to sell blood. ”

At the end of the interview, Lao Wu smiled brightly: "In the future, while you can still do it now, you can increase a few acres of land, save some money, and find a wife!"

The background voice over concludes: "What do you do when all the misfortune befalls you, when you have nothing?"

The answer given by Yu Hua in "Alive" is: live.

There is always a sense of powerlessness in this answer, and Lao Wu's story tells us: it's not enough to just live, you also have to live well, live better.

The pursuit of a better life is the right that every human being is born with.

But poor people like Lao Wu have done their best to keep their hopes alive.

They are not afraid of hardship and giving, but they are so vulnerable.

So much so that the slightest obstacle in the eyes of ordinary people will become a vast ocean that is difficult for their group to cross.

The anxiety brought about by the various pressures of life faced by this group is not experienced by many people in the Fifth Ring Road.

However, they also face many artificial "difficulties" and "eligibility restrictions", such as loans.

What Huinong Loan hopes for is to give them the qualifications and hope to pursue a better life, even if it is only a little. ”

The tidbits of the video are also interspersed with many public welfare actions that benefit farmers.

Deliver oil and rice to the lonely and widowed elderly, donate to Hope Primary School, and part-time rural teachers as college student loan officers......

"To help rural poverty alleviation, Huinong people have been on the road. ”

Here are the last few big words of the video.

Countless users were moved to tears by this video, and they came to Zhang Yida and Huinong Loan Officer to apologize.

"I'm sorry, I didn't expect you to be such a loan company. ”

"Huinong loan is not recruiting, this is the life I have been longing for for a long time, and I can realize the value of life. ”

"My keyboard warrior folds the keys here, announcing his withdrawal from the rivers and lakes, and he will never spray people again in the future. ”

……

The employees of Huinong Loan did not expect this company promotional video to be so popular, and after asking Bao Bufan, they simply edited the various loan stories recorded and filmed by the company into documentaries on major long video websites and began to serialize.

There are various rural loan stories in the documentary, and the protagonist's past experiences are simply unimaginable to most Chinese.

At a time when our country has become the second largest country in terms of GDP for seven years, there are still such people and stories.

This and the prosperous society of Beijing, Shanghai and Pengyang have formed two folded worlds.

This is also a place where many netizens are interested, especially the post-90s generation in the city, which is simply a long insight.

After Zhang Yida learned about this situation, he just smiled and didn't speak.

Why is Pindodo so popular?

It is because there are more than 900 million Chinese Internet users, but there are 7 adults with a monthly income of less than 5,000 yuan.

Consumption upgrades have nothing to do with these 7 adults.

After the Tazhai Village incident, Huinong Loan showed its face in front of netizens across the country.

In the future, whoever dares to borrow money and not pay it back, I'm afraid they will have to weigh it.

"Hundreds of armed policemen brought guns to collect, so I asked you if you were afraid?"

This is a new joke from netizens recently, there is no mockery, it is purely entertainment.

However, the China Foundation for Poverty Alleviation, which is one of the shareholders of Huinong Loan, was still noticed by netizens.

No wonder it can't be so arrogant, it turns out that there are semi-official institutions participating in the shares.

The case in Tazhai Village was divided into three cases.

The first case was attacking the police and obstructing law enforcement, the second case was suspected of a huge loan fraud of 13.26 million yuan, and the third case was beating up an employee of Huinong Loan.

After a surprise interrogation, the facts of the case were gradually clarified.

The final definition is: the underworld gang headed by Lin Boyan and Lin Jiren gathered idle people in society and defrauded the Huinong Loan of a huge amount of loans through fraudulent means, causing huge economic losses to the Huinong Loan Company.

In the process, many people gathered to beat up the employees who came to negotiate the solution to the problem, causing many minor injuries.

In addition, they used violence and threats to obstruct the functionaries of state organs from performing their official duties in accordance with the law, causing three serious injuries and more than 10 minor injuries to the staff of state organs.

According to Article 234, Article 2 of the Criminal Law, whoever commits the crime of intentional injury and causes serious injury shall be sentenced to fixed-term imprisonment of not less than 3 years but not more than 10 years.

In addition, injuring a police officer is suspected of violating the crime of obstructing official business under the Criminal Law, and shall be sentenced to fixed-term imprisonment of not more than three years, short-term detention, controlled release or a fine;

Those who violently attack people's police who are lawfully performing their duties are to be given a heavier punishment.

Whoever causes especially heavy losses to banks or other financial institutions or has other especially serious circumstances, is to be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and a concurrent fine.

Huinong Loan has a small loan license, and the lending funds come from banks and belong to other financial institutions.

13.26 million is also a particularly heavy loss, so the maximum sentence is 7 years.

The crime of assembling a crowd to disrupt social order is not established, and this crime is somewhat similar to the crime of obstructing official duties, but there are also differences.

The former is to interfere with and undermine the normal work, production, business, teaching, and scientific research order of party and government organs, enterprises, institutions, or people's organizations.

If the villagers smashed the village committee, it is estimated that this crime will be implemented.

There is also a crime of assembling a crowd to fight.

Article 292 of the Criminal Law: Whoever assembles a crowd to fight shall be sentenced to fixed-term imprisonment of not more than three years, short-term detention or controlled release for the ringleaders and others who actively participate.

In addition, those who have repeatedly gathered to fight, those who have gathered to fight in large numbers, on a large scale, and have a bad social impact, and those who have gathered to fight with weapons.

The ringleaders and others who actively participate in the event shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years.

The three crimes were punished concurrently, and Lin Boyan and Lin Jiren were sentenced to 27 years in prison;

Other ghost fire teenagers who participated in the beating also have been working for 10 years.

The other villagers just watched the excitement and did not move, and after investigating the situation, they were detained for a few days and released.

Others who participated in the beating, such as the man with white beard, hit the captain on the arm with a stick.

Another blow with a stick broke the captain's head and bleed.

It is said that when he was young, he was a stone-beater, and his body was very good.

This uncle was reported by the ghost fire boy for his meritorious service, and he was also sentenced to five years.

In addition to the old man and the ghost fire boy, there were also one or twenty young and vigorous villagers who were beaten by their accomplices and sentenced to several years.

Tazhai Village suffered heavy losses this time, and 40 or 50 people in the village were sentenced.

In addition, the judge also demanded that 506 rural households return the 13.26 million loans that were defrauded of the Huinong Loan.

Otherwise, they will be prosecuted for loan fraud.

This is also because the local government does not want to make a big fuss, and has sentenced forty or fifty people, and another 500 people, which is also unrealistic.

Other villagers were not the masterminds in the case of benefiting farmers, so they turned the big matter into a small one and a small one.

The villagers now know that they are very powerful, and they have to pay back the money owed to Huinong loans by smashing pots and selling iron.

The money from the Huinong loan is not much scattered among each family, but more than 20,000 yuan per family.

Lin Boyan's 650,000 yuan is easy to say, although he was fined part of it, he can still afford the money.

Lin Jiren gave 500,000 yuan to his mother-in-law in Gan Province. His mother-in-law was reluctant to take out the money, saying that the marriage certificate was all ripped off, how could the bride price be returned?

In the end, it was the government that stepped forward and came up with various tricks of "returning the stolen goods" and "sentencing" before asking for the money back.

Of course, Lin Jiren's marriage is also yellow. In fact, if the bride price is not returned, it should also be yellow.

Because in today's society, it is impossible to have a woman waiting for you for 27 years!

Hearing that the two masterminds were about the same age as himself, Zhang Yida was also embarrassed.

Isn't it good to honestly masquerade other anti-aircraft artillery platforms? Those platforms are shit under their butts, and they don't dare to call the police.

In other words, if you don't beat up the employees who benefit farmers' loans, and negotiate well, things will not come to this point.

Zhang Yida didn't want to make a big fuss at first, because he was also afraid of causing some mass incidents.

If a few villagers die, it will be difficult to say the direction of public opinion.

Things have evolved to today, and we can only say that we are to blame, who is to blame?