Li Weiwei received a call from Zhao Zhijie asking her to go to the base to report, saying that there was a new mission, Li Weiwei couldn't help but be overjoyed, jumped up in the office, she hurriedly took her backpack, said hello to Secretary Zhou and galloped away. Secretary Zhou looked at her back and shook her head helplessly, such a big girl, she still looks like a child, but looking at her happy appearance, she should be going to be a superhero again, thinking of this, Secretary Zhou couldn't help laughing again.

By the time Li Weiwei came to the base, the others had already arrived, and after Haifeng motioned for Li Weiwei to sit down, he began to introduce the case.

Hai Feng turned off the light, opened the slide, and said: "In the last operation, through the data recovery of Zhao Zhijie and Li Weiwei, we have an important clue to the case, a clue of online loan sharking, it should be said that it is also the most fatal blow to force Huang Guan to death. ”

Hai Feng paused and continued: "The situation we knew at that time was that 'Li Mengyao' induced Huang Guan to take out an online loan and gave the money to 'Li Mengyao', and the money 'Li Mengyao' was not returned, which caused huge pressure on Huang Guan. ”

"For this loan, I asked Zhao Zhijie to conduct a special analysis, and found that this is not a simple loan, without considering any situation of the lender, but asking the lender's economic situation, it is so easy to lend money to the lender, not so much that this is to solve the urgent need but to be a poisonous bait, poisoning the borrower. ”

Hai Feng looked at everyone, everyone was listening attentively to Hai Feng's explanation, Hai Feng continued: "We also found that the interest on this loan is very suspicious, on the surface, its interest fully meets the requirements of the law for loan interest, but in essence, if you want to get this loan, you must also sign an information system use agreement, a financial service intermediary agreement, and pay the relevant fees." ”

In other words, if you borrow 100,000 yuan and get not so much, maybe only 80,000, if you only count the money you actually get, his interest is much higher than the law, but the interest is not their profit at all, the real profit point is the penalty interest, three times the penalty interest is enough to make the borrower become their slave for life, this is the most deadly. ”

Wen Yuxin was a little surprised to hear Haifeng's statement, she never thought that there was this kind of play for borrowing, now is the Internet era, the financial Internet is also very noisy, and she has also used online loans, at that time, she just felt that the financial Internet is really convenient, there is no arrogance of the bank, but the service is very intimate, very convenient, and there is no need to ask grandpa to sue grandma in order to borrow money, which can be said to be an innovation that makes Wen Yuxin particularly satisfied.

But after listening to Haifeng's words, Wen Yuxin realized that there was such a big cat in it, Wen Yuxin couldn't help but feel creepy, was it because she was too simple before? I really didn't expect that there were such terrible things in this society, Wen Yuxin felt for the first time that it was really good to have these policemen, if it wasn't for their burdens to move forward, where would there be a quiet life like herself? Wen Yuxin looked at the policemen present, and couldn't help but cheer for them from the bottom of her heart, and she was proud that she could participate in this team and fight with everyone.

Hai Feng continued: "Let's talk about the so-called system provider company, financial intermediary company, on the surface they have nothing to do with this lending company, each has a different legal person, but after so many years of handling cases, my intuition tells me that there must be something wrong here, so our action this time is to investigate these three companies to see what tricks they are playing." ”

"Zhao Zhijie has checked the registration place of these three companies in advance, the lending company is in Tanghua City, the system provides the company in Jinghua City, and the financial intermediary company is in Pingzhou City, Yanbei Province. ”

Hai Feng looked at his team members and said the action match this time: "Liu Zhiyang and Li Mengyang, you two go to Pingzhou, Wen Yuxin, Li Weiwei and Zhao Zhijie, you go to Jinghua, and Zhang Mufeng and I go to Tanghua." You don't need to investigate too deeply in this operation, just understand the general situation, the main thing is to confirm whether these companies exist on the ground, and what is the scale? After confirmation, we will carry out the next step of deployment. Everyone go back today to pack your luggage, send me your identity information, I will book tickets for you, and we will leave tomorrow. ”

After Hai Feng finished speaking, several people left the room one after another, leaving only Liu Zhiyang and Hai Feng.

After Liu Zhiyang saw that everyone had left, he said to Haifeng: "Do you know what you are facing this time?"

Hai Feng nodded and said: "We are not experts in economic cases, and it will be very difficult to handle them, so let's take it as a big challenge, and if there is no challenge, there will be no progress, right?"

Liu Zhiyang stared at Hai Feng, looking at Hai Feng with a calm face, Liu Zhiyang couldn't help but say: " First of all, it is not easy to say whether this kind of loan can constitute usury, you have said it yourself, from the perspective of the contract, the loan interest rate of this loan is completely in line with national regulations, there is no problem at all, the contract is obviously drawn up by professionals, it is impossible for you to find any evidence of his violations of laws and regulations, information system usage fees and financial service intermediary fees, as long as these two companies do have relevant qualifications, it is also a legal fee. ”

In other words, it is a normal economic behavior, so on what basis do you think that he is a usury? Taking a step back, even if it is a usury, when have you ever heard that usury is illegal? The law only says that the annual interest rate agreed upon by the borrower and the borrower exceeds 24 percent, but does not exceed 36 percent, is not protected by law, and is a natural debt. If the annual interest rate agreed between the borrower and the borrower exceeds 36%, it is not protected by law, and the interest on the excess part is invalid. It is not said that such behavior is illegal. ”

"The interest rate on private loans is not high, who will be willing to lend you money? This is not a crime, can it constitute a case? Where does the police have jurisdiction? Do you have the right to interfere in economic disputes? Usury is not a crime, abuse of power is a crime, this time it is not good to steal chickens and rice, and the bad guys will go in if they are not caught, have you considered it?"

"Taking a step back, he is a loan shark, and there is a violent collection situation, can it constitute a case, and the jurisdiction of the case does not need to be considered? Is there a victim or a criminal suspect in Mingcheng? Do you have jurisdiction? Do you think it is so easy to approve? The police department is opened by your family?"

"Taking a step back, even if what has been said before is true, do you think that a financial company that can do everything in accordance with the law will carry out violent collection without protection?

"Nine times out of ten, you will package the collection business and find someone else to do it, even if you Haifeng can go to heaven and earth, and really treat this loan as a case to solve it, the final result is just to catch a few debt collectors. What should they do, what is the point of you mobilizing the people? Just to return for the sake of the feathers? Or is the taxpayer's money either money or for you Haifeng to travel? You have retreated to your grandmother's house, can you bring your so-called bad people to justice?"

"There is another question you have to consider, the three places you mentioned are not in Mingzhou, you used to clean up the financial company in the jurisdiction of other people, if it is a small workshop, it is better to say, if it is a large company, how much social unrest will it cause?

"It's hard to say if you can bring people back. You're not a kid anymore, you're in your forties and almost fifty, you can't always be so hot-headed and just do it, right?"

Hai Feng looked at Liu Zhiyang spitting orchids but kept silent, he knew that what Liu Zhiyang said was right, and they were all real problems that needed to be faced. Hai Feng is also a graduate of Jinghua Police University, although he is not as profound as Liu Zhiyang's legal skills, and he does not have Liu Zhiyang's work experience in the legal department for a long time and dealing with legal documents every day, but Hai Feng is also a person who has been a police officer for half his life, and Liu Zhiyang does not need to say that he knows these problems. But Haifeng still decided to investigate these companies and investigate this case.

Hai Feng poured Liu Zhiyang a glass of water, pulled a chair for Liu Zhiyang to sit down, and then slowly spoke: "Do you remember what you said to me at school? Do you remember why you went to Jinghua Police University and became a police officer?"

"Of course I remember!" Liu Zhiyang straightened his waist and said, "Uphold justice and uphold law and order!"

"Okay!" Hai Feng stretched out his hand to signal Liu Zhiyang not to say any more, and then continued: "Upholding justice and upholding law and order is the original belief of every policeman, you remember, I remember, but many people have forgotten." ”

"In the years I have seen in Mingcheng, I have seen too many people break the law and discipline for selfish desires, and I have seen too many people reverse black and white for the sake of profit, and these people are our former comrades-in-arms, our leaders, our colleagues, and our subordinates. What the hell is going on here? Doesn't it mean that you have to always keep your original intention? Where is their original intention? How many people still remember their original beliefs?"

Hai Feng paused and continued: "I have seen cases of leading cadres receiving black money to interfere in cases, accepting money from the families of criminal suspects to bail people, and handling matters of lifting compulsory isolation and drug rehabilitation in advance. ”

"I've seen all of these things, and even some of us in my group have experienced them firsthand. Could it be that this is the so-called upholding justice and upholding the law?"

Liu Zhiyang listened to Hai Feng's words, and he himself knew that what Hai Feng said was true, although he had not experienced so many positions like Hai Feng, but Liu Zhiyang was also a person who had been at the grassroots level for many years, and after so many years of hard work, his experience was not much less than that of Hai Feng.

The things Hai Feng said were also a very important reason why Liu Zhiyang chose to leave Mingcheng, but Liu Zhiyang still didn't understand why Hai Feng was talking to him about this, and didn't understand what these words had to do with the case they were going to handle? Liu Zhiyang just wanted to ask a question, but Hai Feng stopped him again.

Hai Feng continued: "In the eyes of these people, it doesn't matter whether the people live or die, the rise or fall of the country doesn't matter, as long as they can be promoted and make a fortune, everything doesn't matter, even if the party and the country are destroyed because of this, they don't care, just take the money and go abroad with their families." But what about the common people?

Hai Feng said as he spoke, a little choked, he paused, and then said: "The law is used to protect good people, not bad people, knowing that they will harm the people and the country by doing this, but what do they say about legal compliance, is this really right? Shouldn't we be everyone's patron saint? When did we become accomplices of criminals?"

Liu Zhiyang looked at Hai Feng, this is not a person who likes to talk, he is usually silent, if it weren't for the friendship between the two people for many years and Liu Zhiyang's chat with people has always been stand-up comedy, these two people should not have any intersection. But today's Hai Feng can speak better than himself, but he has always been the one who is silent.

Hai Feng continued: "You and I both know how harmful usury is, I have seen too many people in the criminal police team who have lost their families because of usury. The harm of online loan sharks is greater, the methods are more hidden, and the harm is wider, I have dealt with a case before, a young couple chose to commit suicide because of too much pressure on online loans, one is twenty-two years old, the other is only twenty years old, life has just begun, and it is gone. ”

The more Hai Feng spoke, the more angry he became, he had to stop and control his emotions for a while, and then continued: "You have heard of credit loans, you can get a loan with an ID card, and the amount is generally not small, and it is often beyond the ability of the borrower. You think it's a good thing, it's easy to borrow money, but many people are just overwhelmed by the interest of the credit loan. ”

"What's more, do you know that the interest rate of short-term loans is also in line with state regulations, but once the deadline is overdue, the penalty interest rate will be terrible. These are not nothing, have you ever heard of naked loans, campus loans, and beauty loans? These people don't care about anything in order to make money, and even the campus is no longer a pure land, students! The hope of the motherland, the pillars of the future, they are going to destroy the foundation of this country, the future of this country!"

Liu Zhiyang listened to the nouns that Hai Feng said from his mouth, some of which he had never heard of, but it was terrifying to listen to, and even this old Jianghu and the old policeman began to break out in a cold sweat.

Hai Feng continued: "But what are we doing? What are we, the people's guards, and these guardian spirits doing? If we shirk our responsibilities in accordance with the law, it will be fine? We will not investigate or ask questions? We have to wait until someone dies to care? We only think about being promoted and making a fortune, and the common people don't even think about whether they are dead or alive? What kind of justice is this to uphold justice and uphold law and order? Where is justice?"

Hai Feng looked at Liu Zhiyang, and said with a resolute look in his eyes: "You know who I am, I have seen and known a lot about the bad things of those bastards, and there are many bastards who are in prison because of me." I, Haifeng, don't want to be like them, and I don't want to be in the same league with them. ”

"I want to be a police officer to uphold justice and uphold law and order, which was and is still the case, so I will definitely do this case, not only because of Huang Guan, but also for the people, the party, and the country. I'm a policeman, what I want to protect is a good person, not a bad person, just find a few legal people, circumvent the law and want to do whatever you want to do whatever you want to do things that will harm the country and the people, do you think I, Haifeng, will let it go? If you think that this time the risk is too great, and you want to quit, I won't stop you, everyone has their own difficulties, I can understand, but I Haifeng will not back down, not a single step!"

Liu Zhiyang looked at his old classmate, still as stubborn as he was at the beginning, and he didn't understand the world. However, I have always liked this so-called "ghost sorrow" and am willing to work with him. At this moment, Liu Zhiyang admired this old classmate a little again.

The words "uphold justice and uphold law and order" are known to every policeman, but Hai Feng has always been practicing these words with his own actions. This is something that even Liu Zhiyang himself has not done. Liu Zhiyang was unconsciously a little ashamed in his heart, and he also understood better why Qiu Zhiyong wanted Hai Feng to be the leader of the White Tiger Group.

Liu Zhiyang stood up from his chair and said to Haifeng: "What do you want? Let me quit, you alone are heroes, and everyone else is a bear, right? Don't look down on people, I, Liu Zhiyang, am also a dignified seven-foot man, who have I been afraid of over the years? Except for my daughter." ”

"I'll tell you Haifeng, don't slap your swollen face and become fat, I'm better at legal matters than you, don't want to leave me aside this time and be a hero yourself, I'm also a member of the White Tiger Group. With me, Liu Zhiyang, it was a pipe dream that they wanted to rely on a few legal professionals and get away with a few contracts. ”

"I knew nothing good from Director Qiu came to me, I will wade into troubled waters with you this time, I want to see how many catties and taels they have. As he spoke, Liu Zhiyang put his hand on Haifeng's shoulder: "Uphold justice, uphold law and order, it's not only you Haifeng who remembers these eight words, I, Liu Zhiyang, have not forgotten it, and I will never forget it in this life." ”

Li Mengyang stood outside the door, with his back against the wall, and listened to the conversation between Liu Zhiyang and Hai Feng completely, he was moved by these two people from the bottom of his heart, and he was proud to work with such people. Li Mengyang has seen tall and obscene people on and off the stage, those hypocrites are what Li Mengyang despises and even hates, after all, his sister is victimized by hypocrites.

But when Hai Feng and Liu Zhiyang said those words, saying "uphold justice, uphold law and order", and "never forget the original intention, you have to always", Li Mengyang was only moved in his heart, because he knew that the words of these two people were from the bottom of his heart, because he knew that these two people really wanted to do things. He hopes to achieve something with such people.

Zhang Mufeng, who was opposite, patted Li Mengyang on the shoulder, and told him with his eyes that he also understood, and also told him that Haifeng was about to come out, and the two of them left the base.