It's always easy to get caught up in the winter months.

Although He Waner does not have the habit of lying in bed, it is also a weekend.

In addition, the night before she had put some effort into dealing with He Yixiao's matter, it was already dark when she woke up, and there was a bustling sound of cars outside the window.

She immediately sat up from the bed, endured the chill on her face, and in ten minutes she got herself ready to go out.

took a bottle of milk from the refrigerator and poured it into his stomach while his body was still hot, He Wan'er clenched his fists and said to himself: "It's another day full of vitality!"

Yes, she has to work hard - first go to the newspaper office to finish the last draft, and then deal with He Yixiao's mess, so today must be a very physically demanding day.

However, in a blink of an eye, she suddenly saw the prototype of the viaduct that changed every day a few kilometers from the floor-to-ceiling window of the living room.

The smile on her lips froze, and she remembered the person again.

At the end of September, when she just noticed Mo Chunshan, the bridge had not even been piled well, and now it had begun to pave the pavement, but she was afraid that it would be completed around the Spring Festival, at least four months ahead of schedule.

With such data, I don't know if Mo Chunshan will be satisfied?

He Wan'er smiled bitterly - is he satisfied, where does she come from to pay attention? just as if she never knew him, or as if she had a sweet dream.

Now that she has woken up, she should also return to her life and do what she is supposed to do.

For example, in place of the father, protect the mother and younger brother, and protect the family.

In the afternoon, He Guaner made sure that the manuscript was correct, handed it over to Xiao Lei to deal with the follow-up matters, and hurried to the place where she received He Yixiao the night before.

Judging from the appearance of this company, it is quite normal, and the employees who come and go are neither hideous nor have big flower arms, and they are all neatly dressed in shirts and trousers.

The night before, when she came to lead people, it was obviously a few horse boys who kept He Yixiao and didn't let him go, who had no culture and could only swear, and took advantage of He Waner's mouth.

She was getting up at the time, and she knocked over one of her feet, and the horse boy lay on the ground for a long time and couldn't get up, so he stopped the field.

Pony can't do anything, so what she wants to meet today is Manager Zhang of the company's credit department.

Since he is called the manager, he is definitely not Ma Zai, at least he is also the one who is in charge of Ma Zai's affairs.

He Wan'er drank a cup of tea and saw the so-called talker coming.

As she expected, this manager did not have big arms, but a shirt and trousers, and he looked very gentle and elegant.

He smiled: "Miss He, I was offended last night, and our employees can't speak, please forgive me." I invite Miss He here today to hope that everyone will be calm and discuss the matter of handling the younger brother. ”

He Wan'er couldn't help but twitch the corners of his eyes--what kind of brother, shouldn't you use "Brother Ling"? It can be seen that even if the person who is out of the door is dressed as a serious person, he still shows timidity as soon as he speaks.

"I'm not here to talk to you about the script," He Wan'er didn't want to talk nonsense with him, and slapped half a stack of money from his coat pocket on the table, "Forget about the ones that have been repaid, this is the interest that my brother should have paid this time." This last time I paid for the medical bills of your injured 'employee' last night. You take this money, and you don't owe it to each other in the future. ”

Manager Zhang casually picked up the 5,000 yuan on the table as if he had heard some big joke: "Miss He, we are a small loan company, not Junshan beggars helping Gyeongju rudder." The interest calculation method specified in the contract, as of today, the interest principal has not been repaid 66,000, and this money is not something you can calculate. ”

He Wan'er also didn't smile: "If you are engaged in this business, you must understand the two lines of 24% and 36%, and know the two lines and three districts." In addition, the six ministries and commissions have jointly issued a document prohibiting lending to school students, which is a violation of the law. We don't say anything else, my brother is not sensible, and he spends money to buy a lesson, and I admit it. But if you want to make any more money from us, sorry, you can't. ”

Hearing her talk about the two lines, Manager Zhang's eyes narrowed.

The so-called two lines and three zones refer to the interest rate of private lending at 24% and 36%, both two and three points, and the interest rate is divided into three areas, judicial protection area, natural debt area, and ineffective area.

The state recognizes the interest rate of less than 24% per annum, and the interest rate agreed between the borrower and the borrower does not exceed 24% per annum, and the lender has the right to require the borrower to pay interest at the agreed interest rate. If the borrower does not pay the interest, the borrower may not pay the interest partially, but the borrower cannot pay the interest after paying the interest. The interest in areas with an annual interest rate of more than 36% can still be recovered even if it has been paid.

In short, if a lawsuit is litigated, the law will support and protect the annual interest rate of less than 24%, and the court will not support the annual interest rate above 36%, and even if it is paid, it will be refunded. However, if the interest paid between 24% and 36% is sued, the court will not support it.

Now that she knows the two lines and three districts, it is obvious that the master in front of her is not as easy to fool as her brother.

The so-called campus loans, many times, are bullying children who are ignorant and lack social experience, so they will be frightened by their sentence "It is natural to repay debts".

However, two lines and three districts are just a concept, and even if they knew, what if they did? In this business, they will not go through court litigation to ask for money.

So Manager Zhang didn't smile, and calmly supported Erlang's legs: "It's okay, everything is negotiable, if you can't talk today, naturally there are brothers involved to continue the discussion." ”

The implication is that there will be people who specialize in debt collection to collect debts.

He Guaner already knew that it was impossible for these people to give up, so he didn't answer, stared at Manager Zhang and smiled coldly, and then opened the backpack he was carrying.

The frosty look on her face made Manager Zhang excited, and then stared at her hand - isn't this woman going to pull out a knife?

He was like a great enemy, and the hairs on his back stood up, but He Wan'er only took out a small ID card-sized thing.

Manager Zhang breathed a sigh of relief, looked at it, and looked up suspiciously: "Reporter?"

"Yes," He Wan'er said succinctly, "It's me, the financial edition of Shancheng Business Daily." ”

He was amused: "The reporter is also in vain, your brother signed the contract, and the black and white letters were written on the paper, no matter how famous a reporter is, you can't cross this reason." You have to report, just go for it. ”

He is quite fearless, He Guaner understands that this company is afraid that there is a backer behind it, and he is not afraid of reporters coming to the door at all.

He Guaner had no intention of entanglement with him on this issue, so he took out a stack of papers and threw it to him.