That night, Yan Yue met Wang Dakun, who had taken a loan shark from Ding Fangcai. The gold watch worn by this middle-aged man on his wrist is enough to show his past scenery, but his unkempt face shows the current downfall.

"Can you help me?" Wang Dakun had a begging look on his face, "Ding Fangcai's people are looking for me everywhere and threatening to chop off my hands and feet. ”

"It seems that you really can't repay the loan shark that Qi Ding has just made." Yan Yue said, "But then again, if you don't do it, it won't work if you chop your hands and feet, have you ever thought about what to do?" ”

"The loan sharks all speak a ruthless word, otherwise they won't be able to cover the field, Ding Fangcai is going to slaughter me as a sick chicken and show it to the monkeys." Wang Dakun said, "There are still many people like me who are planted in Ding Fangcai's hands, and he wants to make an example of him." ”

"Oh, where did he get so much money to be a loan shark?" Yan Yue said, "Before meeting you, I also checked his background in this regard, just a small credit company, but it seems that the amount of capital flow handled is not small, but judging from his company's loan business records, the cumulative amount of entry and exit is more than 300 million, it seems that the company is running well, otherwise it would not be able to do it on such a scale as it is now." ”

"In the usury market in Songyang, Ding Fangcai's Guangcai Credit Company can be said to be extremely powerful, and the strength is not just in terms of the company's business volume, but that Ding Fangcai can make full use of the bank's relationship." Wang Dakun said, "According to what I know, the money that Ding Fang used to lend money was all borrowed from the bank, and once the loan shark was repaid, he would immediately repay the loan from the bank." And so on, and gradually he did the business volume. It is precisely in this way that his company will frequently borrow from banks, that is, the amount of liquidity you said is more than 300 million. ”

"How much money does Ding Fangcai have in his hand?" Yan Yue asked, "Can he use his own money to lend, why is he still reaching out to the bank?" ”

"Ding Fang is rich, but almost all of his money is in fixed assets." Wang Dakun said, "He has the catering shares of the Sunshine Hotel, as well as his own hotel, and also controls the entertainment city, KTV, nightclubs, bathing centers and other entities, and the project is not idle, most of the earthwork of Baiyuan is done by him, so it is impossible for him to have no money, which is at least hundreds of millions, but the cash flow is not so strong." And, even if he had enough cash, why not take out a loan from the bank? The interest on commercial loans of regular banks is nothing compared to his usurious income. There is an account that can be roughly calculated, a total of more than 3 billion yuan of usury profits are calculated on a weekly cycle, and the income is not a small amount. Besides, there are a group of people like me, who have grown up for many years! Anyway, I've heard someone say that in the year or two that Ding Fangcai has been lending usury, he has made at least 500 million yuan. ”

"No wonder, such a high rate of return!" Yan Yue said, "But I feel strange, why don't the people who borrow usury from him directly borrow from the bank?" ”

"That's a set." Wang Dakun said, "Most of the people in the bank are the ones who eat people and don't spit out bones. ”

"How?" Yan Yue said, "You don't need to talk about big things, just talk about your personal experience." ”

"I am engaged in the sales of heavy machinery, such as excavators, cranes and heavy trucks, etc. are in the scope of business, although the money is not very profitable, but the business turnover is also reasonable, there are five or six billion a year." Wang Dakun said, "It's not modest to say that this sales performance is quite good in a small company like mine." The reason why I have made such achievements is because I am willing to advance money, customers come to me to buy the machine, the down payment of 60% can drive the machine away, and then pay my interest on a monthly basis. ”

"In this way, the amount of money you advanced is not small." Yan Yue said, "You have that much strength?" ”

"Nope." Wang Dakun said, "I also borrowed money from the bank, and then gave the full payment to the manufacturer. ”

"Oh, and then you're going to use the interest paid to you every month by the buyer to plug the interest loophole in the bank loan to achieve a balance?" Yan Yue smiled, "This is a good idea, it can greatly increase sales, if it continues to operate normally, your business will be very hot." ”

"Yes, that's what I think, but the reality is always different." Wang Dakun said, "Those customers who buy machines from me are not necessarily heroes, and they can have endless work and endless money. It can be regarded as my bad luck, there are a lot of people in my customers who are really incompetent, and the machine is rested at both ends for three days after buying it, resulting in the most unpaid monthly interest. When this situation first appeared, I could still top it by myself, but at a certain point I couldn't do anything about it, and I couldn't stand it at all. ”

"In other words, there is a problem with your money chain." Yan Yue said, "So you thought of loan sharks?" ”

"No, not at first, usury can't be touched, I know it." Wang Dakun said, "It's as harmful as taking drugs!" ”

"Why did you get it again?"

"Ugh." Wang Dakun shook his head painfully, "I didn't calculate it well, but the horse stumbled." ”

"Tell me about it." Yan Yue said, "I can see that you are a very smart person, why did you stumble?" ”

"My loans are all handled at the Binhe Branch of Baiyuan Branch of Jiantong Bank, and I am familiar with Lu Daqian, the director of the branch, and I am familiar with every loan after that." Wang Dakun said, "Last year, I needed another loan of 12 million, and when I went to find Lu Daqian, he said with a sad face that there was a little problem in the branch office in those days, and he couldn't bring out the money. As soon as I heard this, I was a little anxious, because I was very anxious to use it, so I said that aside from personal friendships, I had to solve it with the factor of my high-quality customers alone, and for the bank, 12 million was not a problem. Lu Daqian listened to my words, sighed and shook his head, saying that it was not that he was unwilling to help me find a way, but that there was really no way to think about it. At the end, he said that if he didn't make a small detour, he knew the boss of the Guangcai Credit Company, and he could go over and take the loan shark first, and at most it would be a week, and the loan from his side would come down, and then the loan shark would be repaid, that is, he would pay more interest. At that time, I was desperate, and it really didn't matter if I thought about it, it would only be a week to die, so I agreed. ”

"Why don't you go to another bank and try it?" Yan Yue said, "Do you have to hang a tree?" ”

"You don't know, in a business like mine, loans are a regular thing, and there is no foundation for that bit of asset collateral to mortgage." Wang Dakun said, "Moreover, if you find a new bank loan without a relationship, the review time will be very long, and it will be too late to solve the need for turnover." ”

"So, you're in the pit of usury?" Yan Yue said, "You don't have to guess, you can't pull out your feet after the worst, the problem must be with Lu Daqian." ”

"Yes, a week later, Lu Daqian didn't help me get a bank loan." Wang Dakun said, "And he also said that now that the loan investigation is tight, it is estimated that it will be difficult to get another loan like me." However, he told me that when he said hello to Guangcai Credit Company, he would keep the interest as low as possible, and I was immediately relieved when I heard it. But who knew that Lu Dao suddenly came to me half a year later, saying that his relationship with Ding Fangcai, the boss of Guangcai Credit Guarantee Company, was stiff, and he was afraid that there would be problems with reducing the interest rate. This news is a bolt from the bottom for me, usury, it's almost life-threatening. So I immediately met with Ding Fangcai to negotiate, and after calculating it, I had to repay more than 19 million yuan with interest, and I simply lost my money. But despite this, I didn't lose confidence, I immediately returned to the market, tried every means to get together 12 million, and returned it to Ding Fangcai. ”

"You can do this way, pay back the capital first, what's the matter, the future business has not eased up?"

"What kind of breath to slow down, a little slow breath is not enough to hold your breath." Wang Dakun said, "Some time ago, Ding Fangcai asked me for money, saying that for the sake of face, it was 11 million in total. I was stunned at the time, 19 million, 12 million of the capital was repaid, isn't there 7 million left, how did it become 11 million? Ding Fangcai listened to my words and immediately laughed, saying that I am pretending to be confused, don't you know the rules of usury? As long as the number one is not even, the remaining amount will be doxxed as much as possible, and continue to be counted as usury. At that time, I was stunned, I knew that it was useless to be angry, and I could only swallow my anger to people like Ding Fangcai. ”

"These 11 million will force you to have no way out." Yan Yue said, "And it's still going up like crazy every day." ”

"So I have to be like this now, hide, hide for a day." Wang Dakun said, "If you really can't hide, and you close your eyes and let it go, at most it's a life." ”

"What kind of attitude do you have towards life, it's not easy to find death." Yan Yue said, "Besides, even if you want to die, you have to figure out the problem, right?" Don't you think Lu Daqian is suspicious? ”

"I think it's a little strange, if you analyze it carefully, it seems that what happened to me was calculated by Lu Daqian and Ding Fangcai." Wang Dakun shook his head and sighed, "But I really can't believe it, I've been dating Lu Daqian for so long, and I even call him a brother, is he so desperate for me?" ”

"Brother?" Yan Yue smiled, "It seems that you are still very kind, but have you ever wondered if Lu Daqian also thinks the same as you?" ”

"Is it true that he led me to the death of the loan sharks?" The corners of Wang Dakun's mouth began to twitch, "I didn't dare to think about it before. ”

"Then I can't say for sure." Yan Yue said, "Before we have the evidence, we can't make any conclusions. But I can tell you that Guangcai Credit Company is a regular customer of Lu Daqian's branch. ”

"Really, he's really a ruthless guy who eats people and doesn't spit out bones!" Wang Dakun said, "Then what should I do now?" Ding Fangcai's people are going to abolish me. ”

"If Ding Fangcai really wants to abolish you and make an example of you, then no one can do anything, sooner or later you won't be able to escape that catastrophe." Yan Yue said, "Or, it's not too late at all. ”

"You mean, Ding Fangcai didn't bother to find me at all?"

"You think you can really hide?" Yan Yue said, "Do you still use your original mobile phone, or do you still talk to your family on the phone?" Tell you, Ding Fangcai still has some ability, and he can completely monitor your mobile phone and your family's communication tools. It's easy to keep track of your whereabouts. ”

"Then, then, Ding Fangcai doesn't want to poison me?" Wang Dakun frowned.

"What Ding Fang is asking for is money, not your hands and feet, let alone your life." Yan Yue said, "Don't look at him simply, even if he is simple, the people around him may not be." ”

"But he also knows that with my current situation, I can't breathe in his vicious circle of usury, and I will definitely suffocate to death." Wang Dakun said, "What can you do if you are forced to work hard? Now my company is only a few million dollars in smashing pots and selling iron, but that is the foundation of my survival, how can I easily sweep the cover and realize everything to him? ”

"So, you still have some inventory, and he just wants to knock the bone and suck the marrow and squeeze you dry, so for now, you are still safe." Yan Yue said, "But if you really become a poor bastard, it's hard to say." ”

"Alas......" Wang Dakun held his head in both hands, "I, what should I do." ”

"Static braking." Yan Yue said, "If you can calm down better than them, anyway, you have no way out, what are you afraid of?" ”

"Okay!" Wang Dakun looked at Yan Yue and nodded, "Since there is no way out, then whatever you go is the way!" ”