When it comes to private credit, there are more people who have something to say. Pen ~ fun ~ pavilion www.biquge.info

"Xiaobai, wasn't the *** incident of borrowing treasure before caused by the problem of private lending, everyone should know about it!"

Xiaobai has also heard of the *** thing of borrowing treasure, but he was more concerned about the 10G private photos and videos involving 167 female college students, and he didn't pay much attention to the story behind the incident.

Because he wanted to further deal with Guan Jinpeng, Mo Xiaobai now urgently needed to understand the market and inside story of private credit, so he laughed and said: "I've heard of the *** incident, I've watched a few of those videos, but to be honest, the quality of the protagonists in it is a bit poor, I haven't seen a few beauties." ”

Mo Xiaobai found that every time he was chatting about a more serious issue, the live broadcast room would be cold, so he decided to make the topic a little easier this time, so he boldly admitted that he had also watched those videos.

Sure enough, everyone was more interested in this kind of topic with a little color and a little scale, but the topic quickly became crooked.

"Those women are indeed a little ugly, and their bodies are not good, and I was about to vomit after watching a few of them, which completely subverted my perception of female college students. ”

"After watching those videos, I don't want to find a girlfriend anymore, and I have to give a bad review for the worst restricted video in history. ”

"I am the biggest victim. After watching those videos, I noticed that my orientation has changed, and now I like Xiaobai, what should I do?"

……

Mo Xiaobai was made to laugh and cry by everyone.

The topic of the live room is a bit out of control.

Someone said: "You stupid, is it necessary for a really beautiful female college student to borrow usury? If they are short of money, they either have a rich second-generation official second-generation boyfriend to support them, or they can go out and sit on the stage and make a lot of money, how can they lack this money!"

"Upstairs is right. ”

"Now is the era of face-to-face eating, young and beautiful girls as long as they want, they don't have to worry about not making money. ”

"That's it, haven't you heard that in the loan treasure bare strip incident, those beautiful female college students can borrow more money and have lower interest!"

"That is, if you dare to take photos and videos to borrow usury, then you don't dare to sell them! ”

……

This building was too crooked, and Mo Xiaobai hurriedly corrected it: "Does anyone know how the whole incident works?

Someone made trouble again: "I want to borrow it too, but they won't lend it to me?"

Xiaobai was a little confused in the confusion, so he casually asked, "Why?"

"Because I'm a man. ”

laughed again in the live broadcast room, and Xiaobai was speechless.

At the critical time, it was the professional lawyer Tomato Juice who came out to save the scene.

"Xiaobai, I have done a little research on the loan treasure *** incident, I can tell you about it. ”

Mo Xiaobai was overjoyed.

Or professional lawyers are much more reliable by these guys.

Tomato juice began to give his professional opinion.

"As far as I know, there are several significant features of the loans in the *** incident. ”

"First, the target of the loan is female college students. Female college students have a certain culture, want to save face, but have no financial resources, the most important thing is that their parents are not around, no one is protected, this kind of target illegal lending is the favorite, the risk is small. ”

Mo Xiaobai nodded.

The first point analyzed by tomato juice is indeed to the point, which should be the main reason why the whole *** incident can operate smoothly from the beginning.

"Second, there is no threshold for borrowing. Female college students only need to fill in their own information, and then take some Luo photos and videos with their ID cards in hand, and they can borrow money smoothly. Of course, the amount depends on how beautiful the borrower is. ”

Xiaobai nodded again, this second point is also easier to understand. Because of the low threshold for borrowing, there are so many female college victims.

"Third, the interest rate is ridiculously high. According to China's laws, the annual interest rate of private loans shall not exceed four times the interest rate of the bank in the same period, and more than 24% is not protected by law. However, the interest rate in the *** event is generally very high, and the most outrageous weekly interest rate has reached 30%, far exceeding the bank interest rate hundreds of times in the same period. ”

Mo Xiaobai asked puzzledly: "The interest rate is so high, these female college students dare to borrow?

This question doesn't need tomato juice to answer, and many people in the live broadcast room immediately came out to express their opinions.

"When these girls are in urgent need of money, where will they think about the problem of not being able to pay it back!"

"It's very simple, they didn't expect everyone to be able to afford it at the beginning of the loan, their next idea is to pay off the debt, now I know why it is only lent to female college students!"

"The current atmosphere is too bad, laughing at the poor and not laughing at the prostitute. These women may have gone with the idea of paying off their debts from the beginning, and they all dared to shoot luo videos, and they were afraid that they would not be able to sell them!"

……

Mo Xiaobai shook his head.

I have to say that what everyone said is very reasonable, and the biggest problem exposed by the *** incident is the deterioration of the social atmosphere.

Tomato juice continued: "This is the fourth point I want to make, this kind of lending is often accompanied by further violations of the law. For example, if the victim is forced to repay the debt after paying the debt, this is already a serious illegal and criminal act in itself, not to mention other illegal means to force the debt. ”

On the issue of extorting debts by illegal means, we have added to it.

"Threatening the victim to expose these indecent videos to relatives and friends is already a crime in itself, and if the victim dares to report to the police, the lender will definitely be arrested. ”

"You think too simply, those female college students have no background and no background, and those who lend money generally collude with the underworld, and some even have background protection, do they dare to call the police!"

"So many female students ran away from home and even committed suicide, and many families fell into a whirlpool of debt because of this. ”

……

Mo Xiaobai suddenly realized sensitively that the loan treasure *** incident seemed to be just a chaotic phenomenon of private lending, but it was actually a very serious social problem. He couldn't help but wonder why such an outrageous thing could exist for so long.

Xiaobai really has a strong interest in private credit and private lending.

In his opinion, whether it is the naked strip incident of the loan treasure or some other private loan, there must be a lot of social drawbacks hidden in it.

"As a person who has come over, I advise everyone not to touch the so-called private credit, this is a point of no return. ”

Bi Zhicheng, who had been silent for a long time, suddenly bubbled up again.