. , the fastest update after wearing the book, she became the latest chapter of a big farmer!

Huang Zhenjie has always opposed Huang Sanhu's usury, and his education told him that this was a criminal matter.

He persuaded Huang Sanhu several times, and Huang Sanhu also considered it, but in the end he still did not adopt Huang Zhenjie's opinion.

In addition to loan sharking, Huang Sanhu can't think of anything else to live quickly and easily.

Besides, it's not just Huang Sanhu, there are also a lot of younger brothers below him, even if Huang Sanhu agrees not to give usury anymore, those younger brothers won't agree, they also have to support their families.

Just now I heard the New Year's painting outside the door saying that there is a way to legalize Huang Sanhu's business, although Huang Sanhu didn't believe it, but Huang Zhenjie thought about it.

If there is really such an opportunity, for the sake of Huang Sanhu, Huang Zhenjie will definitely seize it.

"You're saying you don't want your dad to be a loan shark anymore?"

I didn't expect Huang Zhenjie to talk to her with such a thought, so the difference between him and Huang Sanhu and Huang Zhenjian is really big.

"Just like you said, if you often walk by the river, how can you not get your shoes wet, in case something happens, it will be difficult to make up for it. Moreover, the business of loan sharks is becoming more and more difficult to do. ”

"It's hard to do business right now?"

The usury business will be difficult to do, and the New Year's painting is still a little unbelievable.

"The interest rate is too high, and there are fewer and fewer people willing to borrow money, so it's impossible for my dad to force others to borrow money from him, right? Moreover, there are many bad debts that cannot be recovered, which is also a large loss. ”

"And the accounts that your dad can't get back? Who would dare to owe him money and not pay it back? ”

I can't believe this New Year's painting, Huang Sanhu's group of people, who dare to owe money and don't pay it back, should die miserably.

"Some people are alone, so poor that they can't be a rogue, they just don't have the money to be a scoundrel, and you can't do anything about it. At most, he will be beaten a few times, but even if he is beaten to death, the money will not be returned. Moreover, there are some people who have not paid the money, so they hide or sneak away to other places, and there is no way to take them. ”

"When your dad lent money to others, didn't he investigate and evaluate it?"

"What does the survey assess?"

"Of course, it is to see if the borrower can afford to repay the money, such as whether he has a serious craft or job, how much he earns, or what valuable things can be pledged at home."

Huang Zhenjie frowned and thought: "This, my dad really rarely does it, mainly because the investigation is not as simple as imagined." ”

I didn't expect Huang Sanhu's usury system to be so imperfect, and Nian Hua suddenly felt that his previous idea was particularly suitable for Huang Sanhu.

Hearing these fresh words and explanations from the mouth of the New Year's painting, Huang Zhenjie seemed to have a feeling of sudden enlightenment.

"Do you have any good suggestions?"

"In fact, borrowing money can become a legitimate business, have you ever thought that you can open a store on the street, the main business is to borrow money, and the more formal way of saying it is a loan. Of course, if it is to be legal, the interest charged needs to be within the limits allowed by the state. ”

"If you can have a company like this, the first step is complete. And then there's a lot of detail to deal with, like the evaluation survey I just said. Everyone who comes to borrow money, no matter how much money he needs to borrow, whether it is ten yuan or a thousand yuan, must be evaluated and investigated. The borrower can bring enough information by himself, and if he is afraid that they will be deceived, he can also hire a group of people to investigate these situations. ”