"Boss, it's the end of the month, Li Xiaobo hasn't called the money yet, and he can't get through to the phone, what should I do boss?" said employee Wang Dachao. Pen % fun % Pavilion www.biquge.info

"The boss, Noda Saburo in the eighth district of the north of the city, has not repaid this month, and the first two months have been repaid on time, called him to ask him, he said that something happened at home, and he urgently needed the money, and hoped to repay it together next month. ”

"Boss, I just took someone to Sun Siyuan's house to have a look, and after he sold the house, he ran away with the whole family! Five million credits, gone!" Ye Tiandong, who was in charge of collecting accounts in Qianzhuang, called.

"I said no good a long time ago, right? Boss, don't do any loan services, stop it quickly!

Qian Dalang, the manager of Qian Zhuang, stood in front of Zhou Ming and took the trouble to persuade him.

Zhou Ming leaned back on the boss's chair in a comfortable position, rubbed his temples with his index finger, and was a little irritable.

The loan service has been launched for more than three months, and a total of 144 loans have been issued, of which 112 are asset-backed and 32 are unsecured.

Of these, 83 have reached the repayment stage.

But so far, with the addition of today's three, yesterday's four, and the six or seven a few days ago, there are a total of 17 loans, and various problems have arisen at the repayment stage.

There are unreachable ones.

There are those who sell their assets and move with their families.

There are all kinds of excuses to delay time.

I believe that after a while, it is estimated that there will be a tough tone and directly express that they will not pay back.

Some people even said confidently: "Why should I pay back the money that Lao Tzu borrowed with his ability?"

Therefore, Zhou Ming is a little big-headed, it's only been a few months, and there aren't many loans released, how can this get to the point where he wants to go?

"Integrity, integrity! Everyone talks about integrity, they are all civilized people, and they use knives and guns, how bad is it for everyone?"

Zhou Ming understands the loan sharks in his world, if the country advocates the establishment of an honest society, they will definitely be the first to raise their hands and feet in favor, honesty is too important, if everyone does not talk about integrity, they will really drink the northwest wind.

However, Zhou Ming is still a person with a little conscience and discipline, the interest on the loan he released is far from the level of usury, only 5% for half a year, 10% for a year, and there is no rollover system, the interest that loan customers need to repay every year is about 10% of the principal, and the more the principal is repaid, the less additional interest will be paid.

In addition, customers who come to take out loans, Swift Bank, will also carry out strict screening and asset evaluation, and those who are completely unable to repay will be excluded, and those who have sufficient assets as collateral and have the ability to repay will issue loans.

Even so, even though 144 customers were screened out from thousands of borrowers, who seemed to be high-quality customers, Zhou Ming was still surprised by the high default rate.

The reason for this situation is that on the one hand, it is related to the selfish and greedy nature of the people of this world, and on the other hand, the laws of this world, in terms of loans, have several provisions that are equivalent to death:

1. Any borrowing with an annual interest rate higher than 2.5% is usury and illegal!

Second, when encountering usury, people can not repay it for no reason, legally!

3. When confronted with a usury dispute, the court unconditionally stands on the side of the borrower and imposes severe penalties on the usurer

In short, the combined meaning of these articles is just one sentence: lending is illegal, and there is no crime in defaulting on debts!

Such a simple and crude law will almost push all forms of usury to a dead end.

The starting point of this approach, of course, Zhou Ming understands, after all, advanced consumption is an overdraft of the future, an overdraft of resources, regardless of usury or low interest rate, once it is flooded, the phenomenon of social polarization, chaos, early hedonism, and resource overdraft will inevitably corrode a healthy and stable social organism and be full of holes and ugly.

It can be overdrawn in the future, and in the future, sooner or later, it will be repaid.

But Zhou Ming has so much to do there!

Paying off debts is a matter of course!

If you don't pay back the money, it's okay, warning, stern warning, warning is ineffective, take your property, and kill you!

……

A week later.

The thug group was officially established!

In fact, as early as more than three months ago, this thug group began to recruit thugs and conduct training.

In the thug group, the origin of most of the thugs is not simple, and they are all promoted from the lower district to the 52nd district through various killing competitions, and now they have all been taken under Zhou Ming's banner.

These thugs, all full of muscles, all fierce and vicious, all cunning and cruel, all of them have a vicious heart, each of them has harvested at least 3 to 5 human lives, and there may be a few monsters, who have eaten human flesh and drunk human blood, have no bottom line, and do all kinds of evil.

For example, in the thug group, there are a few dead guys, whose nature is difficult to change, thinking that since they have come to heaven, they naturally want to live more chic and happy! All those who have jobs are unwilling to do not say it, and they have no money to spend, eh, you have money, hand over the money, and rob? That's right, Lao Tzu is robbing! If I don't take money to shoot you to death!

There are also two people who can't control the sperm worms in their brains, seeing that there are so many beauties in heaven, and no one is there in broad daylight or dark night, they cover their mouths, drag them into the grass and snap, and accidentally use too much force to snap the beauty to death.

Some of these guys who have done death have been killed, some of them have been shot dead by the police, and some have been arrested and put in temporary prisons, and after all their property has been confiscated, they are waiting for the clearers to deal with them...... During the three-month training, a total of seven thugs died by death.

Zhou Ming ignored them, and he wouldn't pay half a dollar to save them, he recruited thugs and obedient employees! Not a reckless man without brains, and an idiot who couldn't control his behavior.

And the "training" he gave to these thugs was not muscle training, but to introduce them to the rules of District 52, let them understand the laws of District 52, let them know the situation they were facing, and let them understand that only by following the boss can they get mixed up and no longer become the "rats" that everyone hates, on the contrary, they will become the "devil" that those who ridicule them.

After the end of the first phase of training, the effect was remarkable, except for the 7 who succeeded in dying, the remaining 22 people all put on handsome and capable uniforms, divided into multiple ways, and officially started to work.

……

East of Shinestar City.

Baowan Town.

Li Xiaobo has been working in Dalin Agricultural Company for more than three months, this agricultural company has just been established, there are 300 acres of farmland, but there is a lack of workers, there is also a lack of funds, the treatment offered, only 3,000 credits per month, not very attractive to job seekers, it is difficult to recruit people for a while, the boss of the company, had to lower the requirements, at a low price of 70,000 credits, recruited a few workers to come.

Li Xiaobo was actually originally a member of the pigeon group, working for more than ten years, and the credit deposit on his body has never exceeded 3000, but in his hand, there is a starry sky S8 communication instrument that he doesn't know how many hands he has passed, this old communication instrument, almost a hundred years after the factory date, can still be used.

So, relying on this communication device, he encountered a once-in-a-lifetime opportunity: a stupid company actually launched a loan service, from which he could take out a loan and solve difficult problems.

It just so happened that on the job trading network, he saw the recruitment information of Dalin Agricultural Company.

Here's your chance to change your life!

After receiving the loan and officially going to work, out of gratitude in his heart, on the 15th of the first two months, after the salary was paid, he would transfer half of the salary to the designated account of Swift Bank.

"Take a loan of 70,000 yuan and repay 90,000 yuan in four years, this is obviously usury, violating the "Anti-Usury Law", you don't have to pay it back, you will be stupid if you pay it back!"

The words of his colleague made Li Xiaobo feel empowered, plus the salary of 3,000 credit points a month was already small, and half of it was repaid, he had to live four years of strapped money, he was 28 years old this year, and he still wanted to marry a wife.

Don't pay it back!

Li Xiaobo is happy in his heart, not to mention that he has won more than 60,000 credit points for nothing, and the salary he has saved will soon be able to end his single career.

"Li Xiaobo, someone is looking for you outside. ”

On this day, Li Xiaobo, who was working in the greenhouse, stopped what he was doing after hearing the shouts of his colleagues, and with a suspicious face, he met the person who said he was looking for him outside the farm: a sturdy man in a decent suit, but with a burly figure and a hint of a sly smile on the corner of his mouth.

I don't know why, when he saw this man in a suit, Li Xiaobo's heart suddenly felt a little weak, but he still had the courage to ask: "Hey, who are you? What are you looking for me?"

"It doesn't matter who I am, the point is that you owe money to Swift Bank, and you should pay it back on time. ”

The man in the suit said, twisting his neck, making a clicking sound, and his face with a few light-colored scars also revealed a kind of hideous and tangled that wanted to crush an ant to death, but had to negotiate with Sven.

"No! This is illegal usury, I have the right not to repay, and the law is on my side!" Li Xiaobo was right.

"No, no, no, what you borrow is not usury, but how much you borrow to repay the debt, the law says: non-usury debts, the debtor must pay off, the law protects us creditors. ”

The man in the suit stretched out his index finger and shook it in front of him, correcting his statement.

"Impossible, when you take out a loan, you clearly said that you would borrow 70,000 yuan and repay 90,000 yuan, this is usury!"

"Oh, take the contract and see if it says 70,000 in half a year, or 90,000 in four years?"

Li Xiaobo immediately ran to his room, and after finding the contract, he checked the terms on it one by one, and sure enough, after seeing the clause that "within half a year, pay off the debt of 70,000 yuan without charging any interest", his body was shocked, as if he had been hit hard, and he stood there still.

……

It turned out that before the launch of the loan service, Zhou Ming had already expected this, so he did tricks on the contract, all loan agreements, regardless of the amount of interest, were all written "pay off within half a year, no interest will be charged", if the customer really paid off within half a year, the interest that was negotiated before can not be paid, but if it exceeds half a year, the other party does not pay it off, and still wants to repay the debt, then, a court notice will sue him for bankruptcy.

After all, debts cannot be eliminated in any form of society, and usury can be declared illegal, but what about human debts? If it is also declared illegal, that is, "borrowing money and not paying it back" is legal, then the so-called axiomatic justice will also become illegal, and eventually the moral level of the world will collapse and degenerate!

At present, Zhou Ming has no extravagant hope at all, relying on that loan interest to realize his dream of skyrocketing wealth, at least the principal released will be recovered first, and as for how much interest can be collected, it depends on the ability of the thug group.

Therefore, in addition to regretting why he didn't sign the contract without seeing the terms of the contract, Li Xiaobo was still honest and continued to repay those loans, pie will not fall from the sky, and no one is a philanthropist who gives you money for nothing.

As for the other dozen or so defaulting customers, after receiving the warnings from the members of the thug group, some of them, like Li Xiaobo, honestly repaid the money.

There are also some people who started a lawsuit with Swift Money in the court, but most of them lost the lawsuit and lost their money.

There are also a small part, with the whole family, running without a trace, thinking that the people of Swift Money Village can't find it, and secretly rejoicing, and when Zhou Ming entered the police system of Yaoxing City, these people's luck and fantasies are all like bubbles in the sun, quickly evaporating and shattering......