Brother Phoenix has something to say!

Xiaobai immediately became active again, and he said, "Come, uncle, as a person who has come over, I will share your past with you." Pen Fun Pavilion www.biquge.info"

Bi Zhi had to get up: "Uncle Bai, let me say yes, but shouldn't you show it? For example, a rocket or something!"

This is obviously revenge!

In order to get the real material, so that he could have a way to deal with Guan Jinpeng's scum, Xiaobai had no choice but to admit it, and with a "hmph~", a rocket was given to Brother Phoenix.

Bi Zhicheng really learned badly from Xiaobai, and he learned very quickly: "Uncle Bai, are you asking for food when I am a rocket? A rocket wants to send me away? How can I, who earn hundreds of thousands of dollars in a minute, waste my tongue for just a rocket?!"

Xiaobai is not happy now.

If it goes on like this, Brother Phoenix will become a bottomless pit!

No, we have to continue to treat him!

So Xiaobai said: "Oh, then forget it, I won't delay you to earn hundreds of thousands of dollars in that minute." I still called Sister Dong to ask her if the hospital was too busy to come over, and by the way, I would talk to her about someone's affair. ”

Mo Xiaobai picked up the phone again.

Bi Zhi set up a horse withered, and hurriedly said: "Your uncle, I can't say it!"

Mo Xiaobai laughed happily.

Brother Phoenix began to recount his past.

"Private lending has always existed, and my first private loan was six years ago, when the domestic and international economic situation was still very good......

It turned out that more than six years ago, Bi Zhicheng had just started his own foreign trade business. Because he was just starting out, his funds were still very insufficient, and he happened to receive a large order at that time, and he needed to advance a relatively large amount of funds to operate.

When he had no way to find a bank loan, he borrowed a short-term loan of 1 million yuan from a private lending company through a friend's guarantee, with an agreed monthly interest rate of 4% for three months.

What made Bi Zhicheng happy was that his business was finally successfully completed, and with the support of sufficient profits, he returned the loan in less than three months, and repaid 1.12 million yuan with interest.

"There's nothing abnormal about this, what's worth saying about this?" Mo Xiaobai asked a little confused.

"If you don't understand, be humble, don't interject!" Brother Phoenix began to get nervous again.

Mo Xiaobai hated it so much, but in order to get useful information, he had to endure it.

Bi Zhicheng began to explain: "I want to say that my first loan was a relatively standardized private loan six years ago, and it was also very popular with small and medium-sized enterprises. Although the interest rate still exceeds the upper limit of the state-approved regulations, with the support of a reliable source of income, this kind of private lending can indeed help small and medium-sized enterprises solve big problems and alleviate the short-term shortage of funds. ”

"According to the market at that time, the monthly interest rate of medium and long-term loans from half a year to one year was generally 2-3%, while the monthly interest rate of short-term bridge loans within three months was generally 4-6%. For those of us who have a hard time borrowing money from the bank, this interest rate is perfectly acceptable and does not have much risk. ”

Brother Phoenix's twist is coming.

"But then it was different. About 4 years ago, I received a bigger order and needed to pay a larger amount of money in advance. At first, I was hesitant to play this big game because I was still short of money at the time......"

Four years ago, Bi Zhicheng received nearly 20 million yuan in advance funds, and he only had more than 10 million funds in hand, and there was a gap of nearly 5 million. It stands to reason that with such a large funding gap, Bi Zhicheng should not take this risk.

But because this order has sufficient profits, it is really difficult for Bi Zhicheng to give up, and then he thought of private lending, so he took this order again.

But what he didn't expect was that private lending at this time was not like two years ago, and many rules had changed.

"The monthly interest rate of this short-term loan is no longer 4%, but 8%, I calculated, in three months, I will have to pay 1.2 million yuan in interest alone. At that time, I did the math and felt that the profit was still enough, so I gritted my teeth and borrowed it. ”

Here's the problem.

At that time, Bi Zhicheng made this order, and the other party's payment encountered problems. Three months later, the payment did not reach Bi Zhicheng's account as scheduled.

"This is a problem, the agreed loan period was three months, and the loan was due, but I didn't have enough money in my account to pay it back. For the next two months, I lived like a dog......"

Because the amount is too large, in order to collect debts, the other party uses people in society, and all kinds of means are used. Because he couldn't repay his debts, Bi Zhicheng suffered a lot from flesh and skin. In the end, he had no choice but to hide, and this hiding was more than two months.

For more than two months, his company has been guarded by debtors, so the employees have left, and the entire company's business has come to a standstill.

"At that time, I tried all kinds of ways, but I couldn't get there. In that case, I was almost forced to jump off the building. Bi Zhicheng still has a sense of fear when he talks about what happened back then.

Someone said: "Isn't this usury at such a high interest rate! According to the regulations, it is not protected by law, and you can sue them!"

Bi Zhicheng sneered and said, "Sue them, do I dare? Whether it's black or white, I can't beat them." ”

"The black one is understandable, but why is it still involved in the white one?" Mo Xiaobai was very puzzled by this.

Brother Phoenix replied: "What's so strange, these lenders dare to set the interest rate so high and play on such a large scale, who dares to play without a background or background?"

It seems to make some sense, but Xiaobai still doesn't know what kind of collusion of interests there is between these backstage and lenders.

Bi Zhicheng gave another answer: "These lenders play such a big game, where do their funds come from? To put it bluntly, it is a kind of illegal fund-raising by the people. For example, if they lend out a monthly interest rate of up to 8%, then they can use a monthly interest rate of 3-4% to absorb other people's idle funds, which is much higher than the rate of return on bank interest and most wealth management products!"

"And these lenders, in order to pull in official resources, they give a monthly interest rate of return of 5-6% to the savings of the families of some local officials, which is tantamount to a kind of bribery in disguise, and at the same time, the funds of the officials' families are in their hands, don't you try to protect them from accidents?!"

Xiaobai's suspicions were solved.

Xiaobai seems to have grasped something, and he seems to have the inspiration to deal with Guan Jinpeng!

"Then what happened to your loan?" Xiao Bai asked with concern again.