019 Debtor Rating

"Do you know what is the most famous industry in MCO Macau?"

Brother Biandan is very nice, he invited us to the tea restaurant for breakfast when we met for the first time, and ordered hot buns for me and Lin Feng.

"Brother Biandan, I know, isn't it a casino?"

Lin Feng said with a whine while stuffing sweet cakes into his mouth.

"Yes, Majiao is one of the three major gambling cities in the world, so do you know what casinos rely on to survive?"

I took a sip of my soda and shook my head.

"That's up to us."

Seeing that our eyes widened and we looked like we were killed and didn't believe it, Brother Bian Dan continued.

"I knew you didn't believe it, but you believed it after listening to my analysis."

Lin Feng and I hurriedly swallowed the food in our mouths and stared at him with blank eyes.

"You see, those out-of-town guests can't come to Malaysia for a purpose, and the rich ones among them will go to the big venues of the new and old Lisboa, Wynn, Interstellar or Crown, and the poorer ones can also go to the Sands, the Venetian, etc., and some small casinos can even open a plate for only 100 patacas, which is not enough for us to drink a meal of herbal tea.

And those big money owners in the casino, although they have been throwing a lot of money and happy to do it, but they can't stay in the field all day without rest, so those people have to stay in hotels when they come.

They also have to eat, they have to take a sauna, they have to watch a show, women will go shopping, men will go to nightclubs, Miss Bao, etc., you can't underestimate these miscellaneous items, they may sometimes make more money than the casino, because the casino is risky, he can't win every day, but those consumption places are a sure deal. It can be said that these nightclubs are side businesses attached to the big casinos, but these side businesses also account for more than 50% of the economic income of the horse exchange. ”

I listened to a lot of talk from Brother Biandan, and I didn't quite understand what he was going to say, but Lin Feng next to me listened to it with relish, pretending to be like a big economist.

"But Brother Biandan, does this have anything to do with the fact that the casino depends on us to survive?" I asked.

"Have you ever heard of the name of the Macau Rising Society?"

I shook my head, but Lin Feng nodded.

"Our joint investment company is a small branch under the Rongsheng Society, and the Rongsheng Association involves all walks of life in Malaysia, including casinos, of course, not all casinos."

"So what industry does our joint investment company do?"

"Well, that's a good question, do you know what those gamblers do when they lose their money in the casino?"

"What can I do if I lose all my money, go home."

"No, after they lose all their money, they will delusionally want to turn the tables and make a profit, which is the thinking of most gamblers. So our company lends money to these people and earns interest on it. ”

I didn't understand what it meant, but Lin Feng suddenly realized.

"Huh? It turned out to be a loan shark? ”

Brother Biandan snorted, picked up a small steamed bun and put it in my bowl.

"Hehe, smart, you think, if we didn't lend money to those people so that they could continue to lose, where would those casinos have such a high economic income, wouldn't this be our indirect support for them?"

I probably figured out what I was going to do, but suddenly I was a little uneasy, because when I was in school, I had also heard about loan sharks, and I knew that it was illegal, but the law in Macau was different from that in the mainland, just like a casino, it was legal here, but it was not possible to enter the mainland, so I asked weakly.

"Brother Biandan, may I ask, is what we are doing legal?"

"You kid got water in his head? How is it not legal? Our company is registered in Zhengfu and has to pay taxes every year, which is reasonable and legal. ”

I was relieved to hear what he said, but his next words made me nervous.

"It's the two of you, it's not legal."

"Huh?"

"I heard Wang Jun say, you guys came by diving, right?"

Lin Feng and I nodded.

"So you have to be careful, because you don't have an ID card, and if you get caught on the street, you'll be sent back in minutes. And be careful about everything, don't get hurt or get sick, because you can't go to the hospital if you're injured, you know? ”

Of course I know what Brother Biandan means, and suddenly I feel that Lin Feng and I are so pitiful, I think of the two rats in the garbage heap I saw when I got out of the car last night, isn't that the best portrayal of the two of us?

"Brother Bidan, then how can we get our ID cards here, so that we don't dare to see the light like a mouse all day long?"

"Well, when you get into the position, you will naturally have a way when you have money."

I was a little lost, turned my head to look at Lin Feng, and found that he didn't know what he was thinking. Seeing this, Brother Bian Dan sandwiched a bun between the two of us.

"Come and eat more, eat enough to work with me."

I took a bite.

"So what are we going to do?"

"Well, that's a good question, have you ever heard that it's easy to borrow money and it's hard to ask for money? If we lend out money and we can't get it back, it becomes a bad number, and a bad amount means a loss. ”

Seeing us nodding, he gestured out five fingers and continued.

"Usually we divide them into five levels based on different debtors."

"The first level belongs to the best people to deal with, this kind of good people are few but occasionally, they generally have a head and a face, a family and a room, they are either civil servants, or senior white-collar workers, they have the ability to repay the money, and they don't borrow much money, and more importantly, they are afraid that they will affect their reputation because of the loan shark, so they will find a way to pay off the money as soon as possible after they owe."

Now I'm slowly starting to figure it out, Brother Biandan continued.

"There will be a little more people in the second level, they want to repay the money, but they can't repay it for a while, either because the debt is too high, or because of their own economic reasons, to deal with these people, we will generally use some small means to force him from time to time, such as door-to-door threats, or to his unit to put up a small poster, or even to pour paint in front of their house, as long as the play is done enough, they will naturally find ways to repay the debt."

"From the third level upwards, it's hard to get started, these people are either really unable to pay back, or they just want to pay their debts, then we will sell what they have mortgaged, and even come to their homes to confiscate their private property, of course, we must rely on all kinds of violent means, like I often create my own means to deal with these people."

Brother Biandan took a sip of tea, and ate a mouthful of steamed buns slowly, Lin Feng saw that he didn't speak anymore, he was a little anxious, and hurriedly asked.

"What about the fourth level?"

I saw him pretend to be mysterious 'hehe' and laugh twice.

"As for the fourth level, you are lucky enough to come across one today, and I will take you to see it with your own eyes in a moment."

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