"How could he say that?"

"How dare he?!"

This question echoed in the minds of all the students.

When I first entered the university, my first big class was taught by the most prestigious professor of finance in China, academician of the Chinese Academy of Sciences and the Chinese Academy of Sciences, and vice president of Yunda School of Finance.

On the premise of so many, open your mouth and put satellites...... No, put rockets...... No, let the monkey go......

Are you going crazy?!

Zuo Zhesheng opened his mouth wide, and under his stunned expression, there was a trace of jealousy and ecstasy.

Han Xiyi looked back in amazement, looking up at Fang Xiaowu awkwardly, his narrow domineering phoenix eyes were full of shock.

The rest of the students, one counts as one, surprised, puzzled, angry, sneering, and in a variety of ways.

However, to everyone's surprise, Professor Hung was not angry, but showed great interest.

"Little Wu, are you sure you know what the campus loan is? ”

Those who can be admitted to Yunnan University are all academic tyrants, and there are no stupid people, but how can these prospective high school juniors who study hard all day have the time to study the problem of campus loans? Even, some extremely hard-working children have just heard the name and can't help but be curious.

Fang Xiaowu is different, he has just been in Yunshang Securities for two months, there are experts there, there are experts there, and there are second generations of the second generation, and you can get together and chat a few times to get this thing through.

But he really didn't dare to open up and say that Professor Hong had the confidence to say that he should not scruple about it, but he had to be careful about every word.

"Campus loans, as the name suggests, loans to students on campus, are currently mainly poisoned on university campuses, and it is said that they have even begun to affect some secondary schools. ”

"You must know that although college students are adults, they are not the main users of consumer loans in the usual sense, and they should not even be effective customers of consumer loans. ”

"It's understandable, because students don't have a stable income, they don't have financial credit, they don't have the ability to repay, and they can't provide enough collateral. ”

"So, here's the question - ultra-low port consumer loans like Jingdong Baitiao and Taobao Huabei do not provide large amounts to college students, why are campus loans so proliferating?"

"Is it because their risk control is stronger than that of Internet finance giants?"

Fang Xiaowu paused for a moment, giving the students a little less time to think, and then categorically denied it.

"Of course not!"

"Their risk control is like a sieve, and the loan threshold is incredibly low. If you have an ID card and a student ID, leave your mobile phone number, and then have one or two classmates as contacts, you can pay on the same day. ”

"If it's a direct customer from offline sales, the process may be even simpler. ”

It is such a simple and convenient process that a large number of students can't resist the temptation to borrow money for various reasons. ”

"Some students may ask: how to ensure profits with such rough risk control, and what if someone does not repay?"

"Because their interest rates are high enough to cover the mess of costs and bad debts. ”

"Because their floor is low enough, so low that they try to coax student loans, and then when they can't pay it back, they will do whatever it takes to collect it. ”

"These two points are the source of the evil of campus loans!"

In the silence, a boy suddenly raised his hand.

"That, classmate Fang, may I ask...... The day before yesterday, I scanned an APP outside the campus, I took a brief look, and it was written that I borrowed 500 and repaid 530 in three months, and the interest didn't seem to be as high as you said?"

Fang Xiaowu frowned and looked over: "The annualized interest rate of 24% is not high, what do you do at home?"

The boy hurriedly waved his hand: "I'm not questioning you, I'm just just curious......"

Fang Xiaowu shook his head: "You can really borrow it and understand, in addition to the interest, there are also handling fees and service fees, and as soon as the messy money is collected, the actual interest rate will directly break through the sky." ”

"What's even more terrifying is the ultra-high overdue penalty interest, 5% a day, or even higher, borrowing 500 yuan probably won't be overdue, but what if you borrow more?"

Han Xiyi suddenly interjected: "What if I don't pay it back?"

"Harassment, crazy harassment, not just for you, but also for your classmates and even your teachers. ”

Fang Xiaowu spread his hands: "The shamelessness is here, as college students, we have to study and live in a closed circle for 4 years, they make harassing phone calls to your classmates, teachers, and parents, insult everyone related to you with foul language and even P yellow pictures, and ruin your reputation......"

"Are you afraid of dropping out? Are you afraid of being pointed at everywhere you go? Are you afraid of being isolated by everyone?"

Han Xiyi nodded thoughtfully, and said that she was not afraid-she was indeed not afraid, but ordinary students were really afraid.

"It seems that this money must be repaid, and when it can't be delayed, I still have to find my parents to fill the hole......"

"yes, I don't want to be pointed at ......"

The classmates whispered, but Fang Xiaowu shook his head again.

"It's that simple!"

"Generally speaking, when the loan amount is low, the collectors will not use the means at all, on the contrary, they will pretend to think about you and actively help you with advice-"

"Actually, it's encouraging you to go to another lender to take out a loan. ”

"These salesmen, who are desperate for profits, don't completely trap you, how much commission can they earn for a loan of three or five thousand?"

"When your loan rolls over to a certain amount, it's time to see the poor!"

"The news that those who borrowed 2,000 yuan and ended up being put into hundreds of thousands of debts came from this way. ”

"I was coerced and lured, half persuaded and half deceived, and then I held on to my luck to death, and in the end, I was either forced to go into the sea, or I collapsed and committed suicide...... This is still reported in the news after the big trouble, how many are not reported?"

It was probably the limelight just now that made Zuo Dashao still float, and he suddenly spoke, his words full of disdain.

"Hmph! If you want me to say, this kind of fool deserves to be deceived!"

There was an uproar in the classroom.

Zuo Zhesheng raised his neck and said loudly: "Think about it, our family gives living expenses and pocket money, and the normal expenses are enough, why do you take the money from the campus loan?"

"It's nothing more than eating, drinking, and having fun, buying luxury goods, and satisfying your vanity!"

"It's just vanity, it's so stupid. Stupid and so fragile...... This kind of person should let him pay the IQ tax, and eliminate it as soon as possible!"

Professor Hong also said that finance students are rarely fooled. Since so many people can control themselves, shouldn't the few people pay the price for their own decisions?"

"You know, these are adults, not children!"

Zuo Zhesheng raised his arms and exhaled, which really aroused a lot of echoes.

"That's right, how could a normal person fall for that?"

"It makes sense, anyway, I don't understand those who borrow from loan sharks. ”

"If you can be ruined by this kind of thing, I don't think you want to go to college, it's better to go out and move bricks early!"

"I've long thought these people are a bit retarded, and it seems that I'm not the only one who thinks so......"

A casual example sparked such an unexpected discussion, Hong Cai was very amused, and did not stop everyone's noise, and watched without saying a word.

A sudden burst of anger rose in the heart of the little fifth brother.

Some things are understandable, and it's normal to have different opinions from different perspectives.

However, understandably, it does not mean that you should be numb.

"Students, students!"

Fang Xiaowu looked around, raised his voice slightly, suppressed the noise, and said earnestly: "People are different!"

Everyone fell silent and looked at him suspiciously.

Fang Xiaowu reached out and pressed Zuo Zhesheng's shoulder and patted it gently.

"This is Zuo Gongzi, his family is well-dressed and well-fed, and he has never worried about money since he was a child. He has rich social experience, has been exposed to three religions and nine streams, and his vision is broad, and few people can compare. ”

Zuo Zhesheng laughed proudly, halfway through the laughter, realized that the occasion was wrong, and immediately reined in.

However, he laughed too early.

Fang Xiaowu looked at him and raised his voice again.

"You're Zuo Gongzi, but what about us?!"

"How many children from ordinary families have studied hard for ten years in order to be admitted to a good university, and they have not played with mobile phones and computers in three years of high school?"

"You have received the best social education, but how many ordinary students know, what is social education?!"

"Our national conditions are here, and there is a serious lack of social education in our exam-oriented education!"

"We have been protected too well since we were young, and our parents and teachers have cultivated our learning ability, moral character, and artistic aesthetics...... But do we know what it means to be socially sinister?"

"No, most of the students don't understand. ”

"The unpredictability of people's hearts and the sinister nature of society cannot be understood by occasionally watching two news on the Internet. ”

"There are even a lot of students who have never dealt with outsiders since they grew up, and their lack of understanding of social common sense is far beyond the imagination of the second generation like you!"

Cut by Fang Xiaowu's knife-like gaze, Zuo Zhesheng even felt a faint tingling pain, and couldn't help lowering his eyes, not daring to look at him again.

Fang Xiaowu let go of his hand and looked around again.

"The four years of college should be a period of adaptation for us to grow and mature, but at this defenseless time, we are deceived, deceived, and bear everything that should not be borne by us, and then we will be ridiculed for 'people who deserve to be stupid', this is your justice?"

Zuo Zhesheng's shoulders were loosened, his face was hot, his heart was ashamed and angry, and he muttered angrily: "Is it reasonable to be greedy for vanity?"

Fang Xiaowu glanced at him and sneered: "Okay, get rid of those who are greedy for vanity and willing to degenerate." How many of the rest were tricked?"

"Fellows, seniors, suitors with bad intentions, classmates asking for help......"

"There are so many means, and there are so many hidden actions, how can the little white flowers resist?"

"You and my good brother, I ask you for a favor, will you help?"

"I said I don't have to pay back the money after I get it, do you believe it?"

"I spend money lavishly, do you envy it?"

"The superficial interest is so little, you have to spend it happily and easily, and after being careless, your mud feet are deep, are you panicking?"

"Selling poisons to children, forcing parents to pay, not educating children about the dangers of poisons, legislating to put an end to them, and in turn accusing them of mentally retarded ......"

"If you want me to say, let's just shoot all the people in the country with less than 100 intelligence, it's called the IQ crime, once and for all, okay?"

A low snickering rang out in the classroom, which lasted only a moment, and was not at all pleasant.

At the same time, some are bitter, some are thoughtful.

"You!" Zuo Dashao's face turned blue with anger, and he was angry: "I didn't mean that!"

Fang Xiaowu waved his hand: "It doesn't matter what you mean, Zuo Dashao, why don't you guess what will happen after you are shot?"

What the hell is going on?

Everyone's curiosity was aroused, Fang Xiaowu didn't sell it, and sneered: "It's the same next, continue to cheat." ”

"IQ 150, like me ......"

Reach out and point at yourself.

"Lie about IQ 101, like you. ”

Stretched out his finger and pointed at Zuo Zhesheng.

Then, the little fifth brother spread his hands easily and summed up a ruthless logic with a smile.

"It's just that the means are more complex and the cost is higher...... But it can't be helped, who made you the bottom of the food chain and the lowest IQ?"

Fang Xiaowu suddenly looked down at him, his eyes were cold, and Zuo Dashao was so frightened that he shrank back.

"You deserve to be deceived, don't you?"

Zuo Zhesheng was so frightened that he couldn't say a word, and his classmates were silent.

If you have a low IQ, you will be deceived?!

If you don't have experience, you have to be teased?!

Why!

It's already 2017, why is there still a market for the argument that "the weak is guilty"?

Professor Hong suddenly beckoned: "You come to the stage, what else do you have to say, stand here and say." ”

Fang Xiaowu was stunned for a moment, then walked out of his seat without hesitation, and stood on the podium under the gaze of the four hundred students in the whole department.

As a person standing at the top of the food chain, he should not be indignant, because most of the traps in society have long been unable to cause him harm.

However, as a teenager who had just gotten rid of his grassroots identity, he was extremely unhappy with this.

The little fifth brother has personally experienced the difficulty of having no money, the suffering of not being able to ask for it, and the despair of being dark in front of him.

Everyone has a young impulse when they are confused, you push or pull, and the result is ...... Poles apart.

Taking a deep breath, he spoke.

"Natural selection, survival of the fittest, big fish eat small fish, small fish eat shrimp, this is a natural axiom. ”

"If we study finance, whether we enter the market or do business independently, we will eventually have to fight with others, fight against the market, and fight for our future. ”

"Fighting, gambling, there is never completely fairness, we will definitely do things that bully the small, and we should do so. ”

"But that's another story!"

"Our opponent knows what he's doing, he knows the risks, and he's fighting for the benefits of beating the risks. Such an opponent can be willing to gamble and admit defeat, even if it is defeated, it is the fate of a warrior and an investor. ”

"But what is a campus loan?!"

"It is a large-scale deception of a 'risk-free consciousness group', a cruel harvest dominated by greed!"

"Of the 10,000 freshmen, 9,000 are smart enough, and only 1,000 lack social experience, so they shouldn't be loaned to the campus! Who will be responsible for those 1,000 students?"

Taking a deep breath and suppressing his overly excited emotions, Fang Xiaowu lowered his speed and tried his best to bite every word clearly.

"Ladies and gentlemen, as finance students, it is difficult to say how much money we will earn in the future will be a little cheating, so we should establish correct values. ”

"The market game, do everything, become a king and lose a villain, and the teacher is famous. ”

"Destroying a place and destroying a country, like Soros, can also be called the heroes of the world, and it has been sung through the ages. ”

"How sad is it to smash some unpopular financial scams and target the elderly, weak, women and children, teachers, relatives and friends, like a lonely ghost lost in money, a mouse and cockroach jumping in the gutter?"

Under the agitation of the mood, Fang Xiaowu had green tendons on his neck, his hands were propped up on the podium, his upper body leaned forward slightly, and his eyes were as bright as stars in the night sky.

At this moment, all the students were agitated and excited.