Not a loan shark?

Fang Ziyu failed to understand the meaning of An Yi's words, blinked, and said: "Of course they are not usurers, at best, they are low-level thugs, I read movies and novels like this...... Although the things in the movie and novel are not necessarily true, the real loan sharks should not run to the school to collect debts, at least, they will not chase this kind of ten thousand dollars. ”

"It's true, unless the amount is huge, there are very few lenders who come to collect debts in person, either by asking their subordinates to go, or by writing a power of attorney and finding a professional debt collector." An Yi nodded, and shook his head again, "But I didn't mean that, I mean, the group of people who lent money to Wang Bing and Chen Shishi is probably not a real loan shark gang." ”

"Huh?" Fang Ziyu showed a stunned expression.

An Yi knew that Fang Ziyu was still a student in an ivory tower and didn't have much social experience, so he explained: "There are many doubts in this, first of all, you have to know that the real loan shark gang is different from the online loan company, do you know the difference between the two? ”

"I don't know." Fang Ziyu shook his head decisively, he had never had the idea of borrowing, so naturally he would not understand usury and online loans. Even if he wanted to buy a game book, Fang Ziyu worked hard for two months to save money, and he didn't even think about borrowing money from friends or his father.

"The online loan company does the online loan APP, he has to brush the data, rush the customer volume, and then sell it, or take a round of investment, so the background information of the loan customer is not strictly reviewed, as long as there is a valid ID card, a phone card bound to the ID card and a bank card, you can borrow thousands to tens of thousands of cash on the online loan APP, in order to attract customers, the online loan APP must be able to lend quickly, so there is not much time left for them to review, so there will be so many professional loan fraudsters, Specially buy other people's lost identity documents, and then apply for supporting documents, used to cheat loans, not only pit the original owner of the identity document, but also pit the online loan company, there are many online loan companies because they can't recover such bad debts, so it ended miserably, I say so, can you understand? ”

"Probably understood." It took Fang Ziyu a while to figure out the trick, and said, "Online loan companies want to come up with a good-looking data report to "cheat" investors' money, so they can't raise the audit standards, and the other is convenient and they won't share the blacklist with other online loan companies, because this is related to the customer base and is a business resource, so scammers have an opportunity." ”

"You're smart." An Yi gave Fang Ziyu an appreciative look and continued, "If lending is also a business that has existed since ancient times, then investigating the borrower's identity background and repayment ability is a necessary risk control. The customers of online lending companies are all in the world, so it is difficult for online lending to review the social relations and property status of each borrower. But usury is not the same! ”

"The customer base of the loan shark gang is generally in the city or neighboring cities and counties, in other words, where they can reach it, so that it is convenient for them to collect debts, and before lending, they will first understand the specific situation of the borrower to ensure that the borrower or guarantor has the ability to repay, or has real estate that can be sold, before lending."

"There are even times when the goal of the loan shark gang is not interest at all, but the borrower's real estate, car, and shop, so they will try their best to make the borrower unable to repay the loan on time, and once the borrower fails to repay the loan on time, these valuable assets will change hands in an instant, and I have seen the situation where the loan shark gang has even completed the procedures for buying and selling the house when the loan is made."

"Therefore, usury is rarely lost, even if the borrower commits suicide, the lender can recover the cost and make a profit through various means, and when they encounter a borrower who is likely to make them lose money, they will not lend at all, and they will not borrow money!"

"And Chen Shishi is a 'bad customer' who is very likely to make the loan shark gang lose money."

Fang Ziyu only knew that usury was a devil who ate people and didn't spit out bones, but now he was eye-opening because of An Yi's words, and he was surprised and a little puzzled.

According to Ying Yingying, Wang Bing and Chen Shishi have repaid more than 20,000 yuan successively, and the loan shark earned 10,000 yuan for nothing, what kind of loss is this? Fang Ziyu couldn't figure it out anyway, so he asked, "Why do you say that Chen Shishi is an inferior customer?" Why would she let the lender lose money? ”

"Chen Shishi's family is poor, and she is not a native of Yinjiang, but from a remote and backward county, in order to provide her with high school and university entrance examinations, her family has borrowed all the relatives who can borrow, and she has no ability to repay at all, even if it is the only property in the family, it is not worth much, and it can't even be sold at all." An Yi took a sip of coffee to refresh himself, and then asked rhetorically: "You said, such a person asked you to borrow money, do you dare to borrow?" And all the situations I mentioned can be known by casual inquiry, you say, why did that group of people still lend to her? ”

"This ...... Maybe it's a fluke, thinking that a college student can find a part-time job to make money, but it's easy to bully and can keep squeezing? Fang Ziyu proposed a possibility, and then added, "Besides, Wang Bing and Chen Shishi repaid more than 20,000 yuan before and after, more than double the principal, how can this be regarded as a loss?" ”

"Of course it's a loss." An Yi smiled bitterly, "In the eyes of the loan shark gang, those who borrow 10,000 to recover hundreds of thousands or even repossess a suite are successful cases, and borrowing 10,000 to recover 20,000 like this is simply a loss to grandma's family." It's hard to understand, right? It's actually very simple, if you think about it, how many people do loan shark gangs have to feed? The big brother who lends money has to raise at least a few to a dozen core members, and if he wants to raise the kind of little brother who can harass the borrower 24 hours a day, he has to take care of food, drink, and housing, and he has to pay guaranteed wages and debt collection dividends. ”

"Of course, there are also those who call and shake the 'scattered people', and the 'scattered people' are the debt collectors who earn food in various loan shark companies and microfinance companies, and generally the loan shark companies will also be affiliated with the name of the microfinance company, and often communicate with each other, so these scattered people may help this company ask for money today, and help that one ask for money tomorrow."

"However, as far as I know, the group of people who are looking for Wang Bing and Chen Shishi to collect debts have not changed from beginning to end, and they are very hardworking, especially before Chen Shishi's disappearance, they were almost seven days and twenty-four hours a day of non-stop bombing harassment, so during this time, these people's eating, drinking, housing, as well as making small cards and publishing obscene information, are all costs, do you think Wang Bing and Chen Shishi paid back 20,000 yuan, is it enough?"