In the teaching building of the Department of Finance, the finance class is taking a microeconomics class.

Suddenly, several people's phones vibrated at the same time, attracting a lot of attention from the neighborhood.

Fang Xiaowu clicked on the message quietly, and the group was already cheering.

"The first loan has been paid, Haoxiang loan platform, 2,000 yuan, insurance class 2!"

The commotion spread rapidly, and after a while, the whole class became restless, and the suppressed celebration continued.

Fang Xiaowu clenched his fist lightly, crackling and began to type.

"The first step of the long march is very beautiful, brothers and sisters keep up the good work!"

2,000 yuan, for many rich second generations, may not feel distressed to throw it away, but for most ordinary students, it is two or three months of living expenses.

I don't know how many students actually started to set foot on the trap from 500 yuan or 800 yuan, and they were coaxed, thinking that it was not a big deal, and it was easy to repay the money, so they gritted their teeth and broke the ring.

The first time it may be used on the right path, but later it becomes more and more lax, and the desire gradually grows.

After all, people with strong self-control are in the minority, and high-ranking officials and elites can still be co-opted and corrupted, how can college students be an exception?

Human nature is like this, when you don't get a lesson, you always feel that you can resist the temptation, but you don't know that once you retreat once, the loss of the defense line is inevitable sooner or later.

It's like putting a fruity beauty in a single man's room, which is completely defenseless and can be touched casually, but every time you touch it, you have to pay a small price, such as a slap.

I can hold back with one eye and two eyes, but she is always there, not to mention, and often scratches her head and gestures, day by day, how many people can hold back?

After touching the habit and being beaten, even if you know that you will be punished more severely, who doesn't have a time when you can't bear it and are impulsive?

What's more, in this process, **always**: I need you so much...... It doesn't matter, as long as you don't go in, there won't be a big deal, don't you want to rub it off?

Of course I want to!

However, one of the three major lies in life, "I can't get in", I don't believe it myself!

The result?

As soon as the front foot was cool, someone broke the goal in the next second.

……

Broken things are actually such a concept.

If there is a clear risk warning, put up a sign before you get started, clearly explaining what punishment is for touching, what punishment is for picking, what punishment is for rubbing, and what punishment is for entering......

The warning is clear, at least a lot of people will walk around - I can't afford to mess with it, can't I sleep in the living room out of sight and out of mind?

If there is supervision, such as a daughter-in-law carrying scissors, then the possibility of resisting the temptation is much greater.

If you simply drive the ** out of the room, you can't see it at all, and the probability of a problem will be low to the limit, after all, not every man is so angry that he takes the initiative to force it.

Risk warning and supervision are the minimum requirements, at least to greatly reduce the passive deceived groups, and take the initiative to take risks and let them fend for themselves.

It's a pity that such a simple request can't be met.

The former ivory tower was stirred into a muddy pond, scooping up a scoop of water at will, and the mud and sand were all down;

Whose pot?

It must be the pot of those lending platforms, Fang Xiaowu is not stupid, everyone says so, how can he raise his cannon to bombard others!

Then there is no need to say more, stop working.

For the 17th grade finance students involved in this matter, there is an obvious benefit - after actually seeing this thing, the ability to resist temptation will be greatly enhanced, and the ability to identify scams will also be greatly enhanced.

I've never seen a liar in his peers.

Back in the classroom, this message is like a floodgate, and when it opens, subsequent messages flood out.

"The first loan of the second class of finance has been approved!"

"I'm down here for another 1500!"

The group messages rang non-stop, basically between 500 and 2000.

The number is a bit small, but it's not that everyone doesn't work hard, but the innate limitation is here.

There are only a few platforms that dare to lend money in 985, and there are basically two kinds - one is particularly formal and the other is particularly informal.

Why?

The news from the undercover agents who are mixed in the major loan groups is like this - senior students do not take out loans, 985 and 211 do not take out loans.

The former is afraid that the students will pat their butts and leave, and the latter is afraid of offending the school or the second generation of powerful students among the students.

Those who dare to break the ring are either regular platforms with particularly wild paths, or pheasant platforms that cheat a sum of money.

The amount itself is small, and the amount of the loan approved is not high, unless you are willing to upload a special photo.

That's definitely not going to work, so you can only add up to a lot and win by quantity.

By the time of the summary settlement that night, a total of 308 loans came down, from 7 platforms, with the highest being 2,500 and the lowest being 500, totaling 435,800 yuan.

The accounting team was busy until late at night to keep a count of all the situations.

For the time being, the money is still lying on the students' own bank cards, not because they don't want to collect it, but because they can't collect it.

It's not the same thing to be on a student's card, and there are certain legal risks.

When everyone asked for Fang Xiaowu's opinion, Little Fifth Brother knew that it was time to talk to the department again.

Early the next morning, Fang Xiaowu came to the department head's office again, and it happened that Fang Tianyu, the second financial instructor, was reporting to Gao Gao.

"Teacher Fang is good, Director Chong is good. ”

Fang Xiaowu put the sublime behind to greet him, and the fat-headed fish narrowed his eyes and nodded perfunctorily.

Seeing him, Sublime pursed his lips vigorously, and asked with a smile, "Trouble me again?"

"How can it!" Fang Xiaowu smiled nonsense, "I want to apply to the department to establish a special scholarship, our students have high consciousness and good family conditions, and they plan to crowdfund a scholarship to share the worries of the department." ”

The fathead fish's face was suddenly very unkind, and he glanced at Fang Xiaowu deeply, and then he was kicked out of the office by the sublime.

"Tian Yu, you go back first, this matter is like this, I'll think about it again. ”

Fang Xiaowu's eyes were sharp, and he could see clearly the document on the desktop, but he didn't move.

When the fathead fish went out, he asked with a dumb smile, "Teacher Fang plans to punish us?"

"Ignore him. ”

Sublime waved his hand and casually tossed the document into the shredder.

"Your business is not easy to do, there is no precedent for students to crowdfund and establish special scholarships, and we are not short of funds, at most we can only allow collective donations under special circumstances, for special events, special funds, and pay off at one time, otherwise the finance will be particularly troublesome. ”

Fang Xiaowu frowned, Director Chong's words were fine, from the school's point of view, this kind of behavior was just adding to the chaos.

But the problem is that their money is too difficult to deal with, and leaving it in the hands of individuals is simply a bomb.

In embarrassment, the office door was gently pushed open, and a gust of incense poured into his nose.