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"I ......"

This ten-year-old girl was stunned on the side, she didn't expect the story to be so twists and turns, the big characters who jumped out were more ruthless than the other, and things evolved from a small thing to a big duel between bosses.

The girl was still thinking about whether she would be given up just now, after all, they are all big people with heads and faces, how can they make a fuss for a girl with no identity and no identity?

Unexpectedly, Lu Xuan actually brought the incident back to trivial matters, and named her to explain, and was stunned for a while, not knowing how to speak.

"Don't be nervous, just say what you have to say, just tell the truth, whether you are in a right or wrong position, just say it honestly." Lu Xuan saw through the girl's mind at a glance, and understood that she was very nervous, so he said casually.

"Yes." The young girl nodded, then looked very embarrassed, and slowly said, "Actually...... In fact, I said that I owed Zhao Erhu and a few of them money, but I didn't pay it back in time, and they forcibly took it away. ”

"Oh." Lu Xuan replied casually, and then asked, "How much do you owe them?" ”

Modern college students, debt is not a secret thing, obviously their parents give them enough living expenses, but the environment they are in is a comparative environment,

Comparing who wears clothes, mobile phones, boyfriends, bags, etc., with a sense of comparison, it promotes the consumption of college students beyond their own abilities.

Nowadays, many financial loan companies have set their sights on college students, as long as they have a student ID card or can prove the identity of the current student, they can take out loans, and the amount is even higher than that of ordinary social workers. There are countless apps and loan websites set up specifically for them.

Especially female college students, financial companies and banks are the favorite, and the quota is more than ten times higher than that of male students of the same age. Because no matter how much a girl owes, her boyfriend will help pay it back, even if she doesn't have a boyfriend, her ability to absorb money is always much stronger than that of a man.

Because college students have strong spending power and good face, and there is a fixed place like the school, they can't run if they want to, and they can't even pay back the money to the school and are ridiculed by their classmates and friends, and they can't hold their heads up in front of the goddess and male god, these are the reasons why financial companies are willing to lend money to college students.

At first, students borrowed from formal low-interest platforms, but then they couldn't afford to repay them and had to borrow offline private loans for turnover, and in the end, they had no choice but to borrow loan sharks with an interest rate of 30% for a week, or even fruit loans that could send them to hell.

It is a female student who does not wear clothes, takes a selfie with an ID card, and uses her dignity to borrow money. Once you can't afford to pay it back, the fruit photos will be exposed by the lender, and the boss is willing to play with the good looks, and it is also possible that the bad ones will be sold directly to repay the loan.

Most of them saw their girlfriends and classmates paying an Apple or computer in low-interest installments on the college student loan platform, so they also tried it. Once you have tasted the benefits of using your reputation to spend ahead of time, you want to buy all kinds of things, bags, clothes, high-end cosmetics and so on. There are also cash withdrawals that can be turned into cash, improving their living standards, and things that they didn't dare to consume are also consumed, thinking that they can pay it back by doing odd jobs and other ways.

There are also some college students who have not experienced the cruel competition in society, naively thinking that they will start a business with the money they have borrowed, but they never thought that they would enter the society without resume and experience, and they were directly overwhelmed by the cruel reality and lost all their money. I naively thought that I would be able to earn it back if I insisted on it, so I went to borrow money from other platforms again.

The monthly repayment amount has also changed from a few hundred yuan in the initial installment of mobile phones and computers to thousands of yuan, or even tens of thousands.

Their monthly income is basically the living expenses of their parents, and they can earn a little money by working hard to do odd jobs and distribute leaflets, but it is still quite difficult to rely on this income to pay off the monthly payment limit for overspending consumption, unless they can restrain their desire to consume, or they will not eat or drink.

College students who often lack social experience do not have much self-control, and they are used to thinking about everything too naïvely, and the reality is too tempting/confusing, so they are stepping into the abyss of high debt.

A young girl said that she owed money and didn't pay it back, which is really not a strange thing in this era when college students like to spend money in arrears.

"Twenty thousand." The young girl lowered her head and responded with some embarrassment: "It's been two weeks, and according to the weekly interest rate of 30%, it is now 320,000." I tried my best to borrow 100,000 yuan from other places to pay it back, and now I still have 220,000 yuan to pay back. ”

"That's a lot of interest." Lu Xuan sneered, and then asked, "What are you borrowing this money for?" ”

It is not uncommon for college students to borrow loan sharks, and according to Lu Xuan's temperament, he didn't want to ask what he was going to do with the money, but the small hundreds of thousands of dollars caused Xiao Sanshao to come out, and the other party was still waiting here, which was obviously not simple, so he asked casually.

"Save my dad's life, he had a comminuted fracture of his lower leg in a car accident a while ago, and he needs immediate surgery to connect the bones, otherwise he will be in a wheelchair for the rest of his life. I had no choice but to borrow loan sharks. The young girl replied.

"Oh." Lu Xuan nodded, and then asked: "200,000 yuan should not be a lot in this year, since you can study at the Art Academy in Shengjing City, you can at least be considered well-off, and you can afford tens of thousands of yuan a year's tuition." This money, even if you don't have it at home, you can borrow a relative or something? Even if relatives refuse to borrow, at present, ordinary college students on major loan platforms can borrow tens of thousands of yuan on it, and the most expensive interest is only two cents. For students from prestigious schools like this, each loan amount starts at 50,000 yuan, so they won't go to loan sharks with 30% interest, right? ”

"Because ......," the young girl wanted to answer,

saw a thug next to her glaring at her viciously, and she was so frightened that she didn't dare to speak.

"Don't be afraid, tell me the truth, what is the reason?" Of course, Lu Xuan knew that she was threatened, so he directly reminded her coldly with an expressionless face.

"Because ......" The young girl glanced at the little gangster, then at Lu Xuan, and finally gritted her teeth and replied with great difficulty: "Because they are interfering behind their backs, let me borrow money and run into walls everywhere, the college student online loan platform does not pass the loan review, and no one lends me private loans...... In the end, this can only be borrowed from the two of them at loan sharks. ”

"Grass and mud horses, don't talk nonsense, it's obvious that you owe us money and don't pay it back, and you still ignore you?" Hearing the words of the young girl, a thug opened his mouth to refute.

As soon as his voice fell, another thug shouted, "Nima, when have you ever seen us interfere with your loan?" Obviously, you couldn't borrow money from other places, so you took the initiative to borrow it. ”

"Shut up!" Lu Xuan turned his head and glared at him, and shouted loudly, "Without my consent and questioning, don't talk nonsense." ”

He stopped the thugs with a word, turned his head and continued to look at the young girl and said, "Keep talking, why do you think they are interfering with you?" Is there any evidence? ”

"Because he often harassed me and asked me to be his girlfriend, and sent me flowers and all kinds of expensive gifts, but I didn't accept them." The young girl looked at Xiao Sanshao and said cautiously: "My poor relatives don't have much money at home, and after my father had a car accident, I tried all the platforms that college students could borrow, but the results were all insufficient comprehensive scores and failed the audit." I also contacted offline financial institutions, and some of them had already promised me to lend at first, but in the blink of an eye, they called me to inform me that I could not lend because of my qualifications.

My father was desperate to use the money for the operation, and I had no choice but to borrow money from Zhao Erhu and other loan sharks around the campus. Originally, I planned to borrow 200,000 yuan a week, and when I went back, I would mortgage the family's house to the bank to repay the hole, after all, the bank loan review cycle is relatively long, and when the money comes down, my father will die.

I didn't expect to mortgage the house to the bank for a mortgage, but the comprehensive score was still insufficient and I couldn't lend. In this way, I have no funds, and I can gamble on the hole of usury, and I borrowed 100,000 yuan from relatives, friends, and classmates, which is not enough for interest money. Originally, I thought that the loan could not be taken out just because of luck, but when he suddenly appeared here, I suddenly felt that things were not simple, and I felt that there was a big hand behind the scenes. ”

When the sound fell, the young girl looked directly at Xiao Sanshao, and it was obvious that he was the mastermind behind the scenes, blocking all the channels that girls could borrow.

At the same time, Xiao Sanshao also has such an ability, as a young master of a wealthy family in the capital, even if he is a fool who eats and waits for death, he can casually say hello to the bank manager and report his ID number to restrict this person's loan behavior for life. Not to mention other financial small loans, a casual word can destroy them, and I am not afraid that they will not be obedient and obedient.

Moreover, those small financial loans are basically dogs raised by rich people, and the rich people have reached a point where they are unable to expand their industries, and they will lose a penny if they do not do well in new industries. In addition, any enterprise likes to borrow money from banks to operate, leaving the risk to the bank and the state, and they don't know where to put their own money when they make it.

The money earned is put in the bank, it is the thinking of the poor, inflation every year and the depreciation of the currency, and it will take 10,000 yuan to buy something for 10,000 yuan this year to next year. In addition, the bank interest of 10,000 yuan can only be obtained by saving more than 200 yuan a year, which is far from keeping up with inflation, and the longer you save it, the greater the loss.

Lending, private lending to make money with money, is basically the favorite thing for rich people to do. Generally, the interest rate on private loans is about two cents, and 10,000 yuan is about 2,004 yuan a year, which far exceeds inflation and can still earn a little.

Because the domestic credit system is not doing well, and it is difficult to recover the money when it is released, the rich people are generally too busy and too lazy to go to the door to collect debts in person, so they will raise a group of subordinates or invest in financial companies, and share half of the proceeds to him to ensure the safety of assets.

Even if 10,000 yuan can earn 1,000 yuan in interest a year, it is several times more than the bank, and it can keep up with inflation and rising prices.

Like those who have money and don't know where to spend it, the funds used for the company's operation are basically low-interest loans from banks, so they are happy as long as their money does not depreciate.

In addition, the bank also desperately lends it out at low interest rates, otherwise there will be no money to pay interest to depositors.

"Grass and mud horses."

When Xiao Sanshao heard the girl say this, he immediately scolded angrily, and scolded angrily: "Why do you want to die?" Don't say that you can't afford to throw dirty water on me, and if you can't borrow money yourself, don't give me Rory, talk this nonsense. Did I ask you to borrow usury? Did I ask Zhao Erhu to take the initiative to ask you for a loan? Paralyzed, 200,000 you paid me for sleeping for one night, and you love to borrow loan sharks to close my bird business? Besides, what if I say hello and don't give you money? Do you have the ability to beat me? ”

"You, you...... Shame on you! Hearing Xiao Sanshao's arrogant and domineering words, the young girl was so angry that her face turned red, and she hesitated for a while, and finally mustered up the courage to scold, "You know that I won't promise you, and I won't commit myself to begging you to resort to this kind of indiscriminate means, otherwise I don't believe that you would appear here so coincidentally?" ”

She seems to feel that only Lu Xuan can save herself now, and she is not afraid of offending Xiao Sanshao, anyway, things have come to this point, even if she escapes back today, she will still be arrested tomorrow.

"Yes, yes, yes...... How about I? Are you beating me? Are you calling the police? Xiao Sanshao said with a sneer, looking arrogant and proud.

"Huh." Lu Xuan sneered, directly ignored Xiao Sanshao, and asked a gangster next to him: "She's right, she still owes you 220,000, right?" ”

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