Chapter 154: Lending and Debt Collection
Makeup artists for entertainment companies such as this have always been more profitable, and many people will ask them to recommend their products to celebrities. Pen × fun × Pavilion www. biquge。 info And the more big-name stars will have private makeup artists, as an entertainment company, people must know very well who lacks private makeup artists, although Yangchun technology is good, but it's just that the technology is good. Others may be a little worse than him, but the lack of this thing can be compensated for in many cases.
Qin Shao thinks that in recent months, Yangchun is thinking about making money, and has introduced a certain cosmetics to Jiang Wen, and even hopes that Jiang Wen can endorse this cosmetics, which is out of bounds. According to the chat between the vice president and Qin Shao, Yangchun took a fancy to a car of more than 300,000 yuan, but he didn't have much money on hand, and he didn't dare to change the car because of the mortgage.
The former apprentice now earns ten times as much as his...... Qin Shao thinks that Yangchun is psychologically unbalanced, so he goes to the wrong door to make money, but Yangchun has no ability to make money from the wrong door. So...... As for whether it is gambling or investment, Qin Shao does not assert it, and it doesn't matter. Everyone is dead, and he has no intention of asking for money from orphans and widows.
……
Coming out of Qin Shao's ward, Xu Xuan's team members had news, Xu Xuan took the phone, divided the headset into Su Cheng, and the team members reported: "On the phone with Yangchun's apprentice, his apprentice said that he borrowed 300,000 yuan to Yangchun two months ago, and Yangchun repaid the money in a few days, and the apprentice went to see the new car with Yangchun." But ten days later, Yangchun borrowed money again, still 300,000 yuan, and has not repaid it yet. Yangchun's apprentice said that he heard Yangchun's wife say that Yangchun has been sleeping in the study recently, saying that he is working, and he holds the computer until two or three o'clock in the morning. ”
Xu Xuan said to the team members: "Discuss with his wife, let the technicians enter the venue, and see what is in the Yangchun computer." ”
Gambling, Investing......
According to the time, Yangchun first made some money, and then fell deeper and deeper into it.
It was late, Xu Xuan sent Su Cheng back first, Su Cheng was tired for a day, and after going back, he fell asleep directly on his bed.
Su Cheng woke up at six o'clock in the morning on the first day, because Zuo Luo started his morning exercises. Su Cheng drank tea and enjoyed the morning bath, but the vibration sound of Zuo Luo hitting the sandbag harassed Su Cheng next door. Su Cheng couldn't bear it anymore and came to the door: "Can you change your fitness method at this time in the morning?"
Zoro stretched his hands: "Yes." Why was it so late yesterday?"
"Work. ”
Zoro said: "I haven't seen you work so late when I was in the seventh group. ”
"Hey, having a beautiful woman as a partner, and having a man as a partner, is completely different in terms of motivation. And it's an interesting case. ”
Zuo Luo said: "What can it mean, isn't it just that Yangchun borrowed money to gamble and lost money." Borrowing money, losing money, borrowing money, losing money...... In the end, he was killed by the creditor. ”
Su Cheng asked, "How do you know?"
"Xu Xuan came at five o'clock, I told her, tell you to get up now, you will beat her and let her come back at seven o'clock. I offer a wake-up call by the way. Zorro punched the sandbag and asked, "What's the point of this case?"
Hehe, you're also interested. Su Cheng said: "The gallows is interesting, the gallows is not common. Especially this kind of gallows of piano wire, even if you go to buy a gannet, you may not buy a good one. The piano wire gallows should be thin and small, thin enough to be hidden inside a high-necked garment. This means that the motor should be small. The gallows that killed Yang Chun is of first-class workmanship. I don't think it's the people of City A. ”
Zuo Luo came to be interested, wiped his sweat, and said, "I'll accompany you to bathe in the morning." ”
Su Cheng refused this, but Zuo Luo didn't care about Su Cheng's attitude, walked through Su Cheng's room, sat down on the small balcony, Su Cheng could only follow in, sat down, drank black tea and said: "There is a suspicious point in this case, why do you want to start the gallows in broad daylight? This is not only not in line with the style of gangs in City A, but also not in line with the style of overseas criminal gangs. You see, Yang Chun has already found someone to make money, and he was killed before he could speak, which is very contradictory in itself. ”
It is true that whether it is a debt collector or a lender, the first task is to take money, not kill people. Zoro asked, "And then?"
"No more. Su Cheng said: "There are too many possibilities for speculation." ”
"......" Zuo Luo asked and looked at Su Cheng, is there any more? Su Cheng spread his hands and nodded, there is really no more. Zoro is gone.
Su Cheng can finally enjoy the morning bath. Zuo Luo and others all think that Su Cheng's morning bath is a hobby, and Su Cheng knows that his mind is the clearest and sharpest in his morning bath time. But he was soon disturbed by a phone call from Succubus Martin: "Consultant Su Cheng, why did you move as soon as I lived next door to you?" I also want to discuss some issues with you. ”
Su Cheng replied: "Do you have an attitude of learning or an attitude of communication?"
"Of course, it's the attitude of communication. ”
"I don't want to communicate with you. ”
Martin was speechless for a moment and asked, "What if it's a learning attitude?"
Su Cheng replied, "Why should I teach you?"
"I'll have dinner another day, I always think there's a big misunderstanding between you and me. ”
"Okay. Su Cheng hung up the phone.
"Harrow ......" Martin hung up the phone helplessly, Martin actually wanted to have a good relationship with Su Cheng, some of the personalities of the two people are very close, they both belong to the kind of people who have zero loyalty, but have a full score in their work attitude, and they are also people who are not trusted by their families.
Su Cheng was speechless, big brother, you also know that the family doesn't trust the two of us, if the two of us have a good relationship, the family is the most dissatisfied, do you understand?
……
At 7:40 in the morning, Xu Xuan came, Zuo Luo was about to go out, Xu Xuan asked casually: "Where are you going?"
Zoro thought about it for a long time, but he didn't know where to go. But you always have to go out, you can't be like Su Cheng, you can stay at home for a week. As for where to go, I haven't thought about it yet. Xu Xuan knew Zuo Luo very well, and said, "Go and sit with your grandfather." ”
"Oh. Zoro entered the elevator.
Xu Xuan entered the door, closed the door, and heard Su Cheng taking a shower, so he waited in the living room. After a while, Su Cheng wrapped a bath towel and came out of the bathroom and returned to his room, dressed in the mirror, and then saw Xu Xuan in the living room in the mirror...... Xu Xuan was reading a magazine on the chair very seriously.
"......" Su Cheng got dressed and walked outside the door, as if frightened: "Xu Xuan, are you...... When did you come in?"
Su Cheng's reaction made Xu Xuan very satisfied, and said casually: "Just came in for a while, can you leave?"
"Any news?"
"Yes, it has been verified that Yangchun is involved in online gambling. The server is overseas, and in these two months, Yangchun has lost a total of one million. ”
"One million?" Su Cheng asked, "Then why did you borrow so much money?" Qin Shao lent him more than one million.
"The first time I gambled, I made a few thousand dollars. He borrowed 300,000 from his apprentice and earned 200,000. For the next week, there was no gambling record. I think I want to stop. But a week later, I started to gamble a few dozen dollars again, and slowly gambled big. Lost about 400,000 ...... To put it simply, he borrowed 800,000 from a loan shark and lost 200,000 of his savings, a total loss of 1 million. The usury of 800,000 was very vicious, and until the debt was dead, a total of 2,400,000 had to be repaid. "The so-called dead debt refers to the limits set by some loan sharks. For example, 100,000 dead debts are 400,000, and when they reach 400,000, they will no longer increase their debts. Looks very stupid and does not meet the requirements of a vampire usury profession. But in fact, the loan shark knows very well that if the debt is not dead, and it turns to a few million, it is most likely that the debt collector will commit suicide. And if the debt is dead, the other party can still pay it back. The final result of forcing the other party to be cornered is that both people and money are empty.
Mark Twain had a joke that he rented a house and the landlord's contract said that if there was a fire, Mark Twain would pay $800,000 in damages. Mark Twain was very generous and asked him to add a zero, saying that he couldn't afford it anyway.
Today's loan sharks are no longer the original buns, they already have a relatively complete asset appraisal system. For example, Yangchun, his house deducts the mortgage, the current market value is about 1.4 million, and the gap from the dead debt is 1 million. So the loan is 800,000 and the dead debt is 2,400,000.
The interest rate is higher than 4 times the maximum interest rate of the bank, which is not recognized by the law, but there is another method, called an IOU. The first time I borrowed 100,000 yuan, I only put 60,000 yuan, 40,000 yuan was interest, and the interest rate of 100,000 yuan was written on the IOU. The second time you borrow 200,000, you have to open an IOU of 400,000 yuan, 4 times the interest rate. In other words, from a legal point of view, the IOU is legally valid.
In addition to legal channels, lending companies have several methods: First, telephone harassment to let your relatives and friends know that you owe debts, which is generally applicable to small loans. The second method is the contract system. A debt collection company has been added to the lending chain, and the debt collection company is also a legal company. Taking Yangchun's 2.4 million IOUs as an example, after assessing the legality of the IOUs and Yangchun's assets, the debt collection company will buy the IOUs at half price or even four percent discount for Yangchun who has the ability to repay the loan, and they will collect the debt. For those who are unable to repay the loan, the lending company calls it bad debts, and it is generally sold to the debt collection company at a discount of two or even one discount.
Debt collection agencies also have many means, such as splashing paint and writing, going to work to ask for debts, and calling the creditor's parents, relatives and friends. The worse point is to rely on the debtor's house, molesting the hostess, and even asking the hostess to sell herself for a few hundred yuan at a time to repay the debt, in order to achieve the purpose of humiliation. There are also children who will talk to the debtor on the road to create a sense of terror. There are also more civilized ones, only interest is charged and no principal is charged, as long as you can give me a certain amount of interest every month, I will not harass you. The variety of instruments is tailored solely to the specific circumstances of the debtor.
From the perspective of the industrial chain, as long as the loan shark company does not encounter bad debts, after basically assessing the borrower's ability to repay the loan, it is profitable and legal. The debt collection agency earns the difference after assessing the borrower's ability to repay the loan. There is basically no risk of loss in the two industries. Unless the borrower dies, which is more complicated, so neither the loan shark finance company nor the debt collection agency wants the debtor to die, whether it is suicide or homicide.
Xu Xuan's investigation has concluded that the finance company sold 2.4 million IOUs to a local Qinglong intermediary company for 1.2 million yuan. Qinglong Intermediary Company is a veteran debt collection company, in the early years, it was mainly a ruffian who had been released from prison, and now it has a more formal company management, and no longer touches the law to collect debts. Never heard of the so-called gallows, and even the Qinglong intermediary company has not had a record of being rough on debts for two years. (To be continued.) )