Online loan intermediaries are simple and simple, as long as the heart is black, they can definitely do well. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 ｉｎｆｏ

In the past year or so, Qian Youming has come into contact with a lot of people who come to borrow, some are facing bankruptcy and are desperate to borrow money and expect to make a comeback, some are gambling behind their families, they are bankrupt to borrow, and they are expecting to gamble on the last turnaround, and there are also family members who suddenly have a big accident and need a lot of money to prevent their families from being broken......

Every time Qian Youming encounters this kind of borrower, he is very unbearable.

As we all know, the average monthly interest rate of small loans is about 1%, but in addition to interest, there are management fees, storage fees, etc., and these are all counted, it is not one percent, but several times, so now online borrowing is a circle of dead cycles, and it is difficult to go ashore when you come in.

Taking 50,000 yuan for 6 months as an example, according to the monthly interest rate of 2.3% plus the management fee, the monthly interest is 1,150 yuan, and the monthly principal should be 8,334 yuan, and a total of 9,484 yuan per month.

How much do you earn each month? Is there tens of thousands of wages a month? Tear down the east wall to make up for the west wall, and the debt can be paid off?

In this way, there is still a certain ability to repay, but there are many people who do not have the ability to repay, and still want to show off their wealth in various ways, such as college students.

Many college students have borrowed online unsecured loans, but they can't pay it back, some have been forced to drop out, or even commit suicide, and some girls have directly embarked on the road of **.

Some people owe a lot of money, smoke until they are dizzy before they can fall asleep, and they can't find a place to sleep every day, and when they are hungry and panicked, they raise donations and eat in the group, and the most feared thing is to be awake......

And those who run away in arrears are nothing, but there will be people who drag others into the water in order to get ashore themselves, and even friends around them will be pitted!

Originally, those who did their own tricks, Qian Youming reminded him at most, even if he couldn't bear it in his heart, he would not be kind, but the girl he met in this school was different.

This girl's family conditions are not good, her parents went out to work when she was very young, she is the only college student in the family, and her sister dropped out of school very early to work in a factory.

She studied very hard after going to college, but when her parents and sister came home for the Chinese New Year, they had an accident and were all sent to the hospital.

A family of three rode a motorcycle home for the New Year, and somehow the motorcycle got into the ravine, and the father at the front had a comminuted fracture of his leg bone, his mother broke a few ribs, and his sister scratched his face.

A rib fracture is not a serious illness, and it will be fine for a long time, but the injuries of her sister and father are very troublesome, and her sister's face is badly scratched and has been disfigured, and if she wants to live a normal life, she must have plastic surgery.

However, compared to her father's leg, her sister's face, on the contrary, is not in a hurry, comminuted fracture, if not treated, it will have to be amputated, treatment, but the family has no money.

Because of this, not to mention that the family's savings have been spent over the years, relatives and friends have borrowed everything, and there are even many donations from well-wishers, but this year, she is still desperate.

In order to heal her father's leg, she has worked very hard, but the local school hospital is still not good, so she finally came to the capital, but the daily medical expenses of thousands of yuan in the capital are not something her family can afford.

The money of her classmates was borrowed, the money of her teachers was also borrowed, and she was also working hard, but it was still not enough.

The operation required nearly 100,000 yuan, and her classmates and friends were afraid of her borrowing money, and she also knew that she couldn't borrow it, so in desperation, she started to borrow money online.

From February to June, the loan reached 40,000 yuan, the interest was 10,000 yuan, and the total amount owed was 50,000 yuan.

The first time I saw this advertisement on the platform, I tried to borrow a thousand yuan, and I got it easily.

took the borrowed money to the hospital, 1,000 yuan was not enough for a day's treatment fee, so I began to borrow another platform, starting from February, and successively borrowed until June, owing a total of 50,000 or 60,000 yuan.

When she just borrowed money, not to mention the interest, she didn't even look at the repayment date.

Later, I learned that it costs 200 yuan for one day of overdue, and the interest rate of some borrowing for one day is as high as 20%.

The principal of 10,000 yuan will have an interest of 2,000 yuan after a week.

It is impossible for college students to afford such usury, so they can only borrow money on one platform to repay the money on another platform, and keep "tearing down the west wall and making up the east wall".

Later, she no longer remembered how much money she owed to the loan platform, she only remembered that it was not the alarm clock that woke her up every day, but the collection text messages and phone calls that made her phone vibrate constantly.

At the worst of her time, she had to repay the money almost every day, ranging from 200 yuan to 1,000 yuan.

Once the money is not paid, the creditor will send a mass text message to tell all the contacts of the debtor and find the home.

The most serious thing is to find a professional debt collection team, their methods are particularly vicious, do not treat people as human beings, beatings, splashing paint, and intimidation are common things.

When the snowball of arrears got bigger and bigger, she finally couldn't bear the pressure, so she made a ruthless move.

Maybe she borrowed too much money, and finally she found that nude loans began to appear on the Internet, and girls took nude photos of themselves as collateral to borrow.

Not long after the beginning of the year, when Mo Ye had not yet come to school, Qian Youming received a request from a sophomore female student to make a nude strip.

Qian Youming despised such a person very much, and this woman, as he imagined, was very skilled.

She skillfully took a good photo and sent it to Qian Youming on QQ.

The girl has fair skin, wears nothing on her body, holds an ID card, and her eyebrows and eyes are indifferent.

The girl asked to borrow 50,000 yuan, and she was in a hurry to use it, and when Qian Youming inquired, she learned that she was in school and had tens of thousands of debts, and there were even rumors that she had been raised by many people.

Qian Youming sent the photo to Shangjia, and after the other party agreed, his work was over.

But Qian Youming knows that the last family will definitely contact the girl again, and confirm the video, and will ask her to face the camera******* and even after the girl pays back, her nude photos will not disappear, and the intermediary will package the photos or videos for sale, and the 5.5G video materials will be sold for 99 yuan.

That girl was the only naked loan Qian Youming had ever made, because that intermediary experience reminded him of his sister, probably he couldn't bear to see a girl like his sister embark on this kind of road.

However, he doesn't want to do it, but it doesn't mean that others don't want to borrow, because the better he looks, the more he borrows, so most of the people who make naked loans are beautiful women.

When I meet these beauties, some of them will even make excessive demands to repay the loan, and some girls will be deceived by their boyfriends to borrow naked strips.

In the intermediary group that Qian Youming joined, there are a lot of naked videos of girls being sold, so it is very profitable, Qian Youming is an intermediary and draws kickbacks, and earns 70,000 or 80,000 yuan in two months.

And among the college students around him, there is a class leader who owes a lot of money on his own loan, so he acts as an intermediary himself.

Later, after the naked strip accident, the state cracked down, and in order to repay the money, he pulled an entire class of people into the water.

Defrauding the entire class of students, in fact, is not difficult to do, this is often a fraud that occurs between acquaintances, the intermediary himself has no money, but wants to earn interest on a high-interest platform, so he looks for borrowed money.

The general saying is: "You lend me 10,000 yuan, and I will give you 2,000 interest in a month." ”

In fact, ideally, the intermediary borrowed 10,000 yuan and put it on the platform, and earned 2,000 yuan in a week.

But later, the money released became more and more difficult to recover, and once the capital chain broke, they had to keep borrowing money from others to make up for the leakage, and finally everyone dived together.

Since you can deceive acquaintances, then outsiders have to deceive even more, and it is not difficult to do this.

First of all, the most common is that agents post fake part-time job listings and pay students to lend them money from student loan platforms.

The intermediary will tell the student that there is no need to repay the money, and the internal will be canceled, just to swipe the order, but in fact, after two months, the college student will receive a reminder message from the platform, and the amount of this fraud is as little as 3000 and as much as tens of thousands of yuan.

Some intermediaries bought a house directly by doing this, and now if you search for private loans on the Internet, you will find that these people have registered companies, and they continue to deceive people when they become bigger and stronger.

There is also a variety of cash-outs, the main target of which is college students who are in dire need of cash.

The intermediary asks college students to buy mobile phones online with white strips or Huabei and send them to the intermediary's address.

Then the agent will transfer the cash to the student's card, so that the college student can turn the amount on the Internet into actual cash.

For example, if an iPhone is more than 5,000 yuan, the intermediary receives the mobile phone and sells it for 4,800 yuan, and finally gives the student 3,000 yuan.

The 1,800 yuan in the middle is the service fee of the intermediary, and the money received by college students is not enough for 60%.

Intermediaries with poor character will disappear directly after receiving the goods, and swallow the mobile phone and money privately.

In this industry, only ruthless people can earn money, and the dignity of a girl may be worth less than ten yuan.

Compared with the physical hardship of the previous part-time job, always wandering on the dark side of human nature is the reason why Qian Youming feels the most tired.

In early March, Qian Youming made a phone call to a sophomore boy's home in order to collect money.

His mother dragged Qian Youming to chat for more than an hour, and finally helped her son repay the money, but she just asked Qian Youming to help find her son, because he hadn't been home for a long time, and she was very worried.

Since then, Qian Youming has never been an online loan intermediary, he may have seen the harm, maybe it was the appearance of Mo Xie, anyway, Qian Youming, this kid began to retreat bravely, he didn't want to continue to harm people.