Urban Sims

Chapter 217

"Boss, it's the end of the month, and Li Xiaobo hasn't called the money yet, and I can't get through to him. What should I do, boss?" said employee Wang Dachao.

"Boss, Noda Saburo from District [-] in the north of the city, he hasn't repaid the loan this month. He paid on time for the first two months. I called him and asked him. He said something happened at home and he needed money urgently. He hoped that next month Pay it back together."

"Boss, just now I took someone to visit Sun Siyuan's house. After he sold the house, he ran away with his whole family! 500 million credit points, he ran away!" Ye Tiandong, who was in charge of collecting the money from the bank, called .

"Did I say it a long time ago? Boss, don't engage in any loan services, stop now! The loss is still small, there is still time!"

Qian Dalang, the manager of the bank, stood in front of Zhou Ming, persuading him tirelessly.

Zhou Ming leaned on the boss chair in a comfortable posture, rubbed his temples with his index finger, feeling a little irritable.

The loan service has been launched for more than three months, and a total of 144 loans have been issued, of which 112 are secured by assets and 32 are unsecured.

These loans, 83 of them, have entered the repayment stage.

But so far, including three cases today, four cases yesterday, and six or seven cases a few days ago, there are a total of 17 loans, and various problems have appeared during the repayment stage.

I can't get in touch.

After selling assets, the whole family moved.

Some people make various excuses to procrastinate.

I believe that after a while, it is estimated that there will be a tough tone and directly express that they will not pay back the money.

Some people even said confidently: "Why should I pay back the money I borrowed with my ability?"

So, Zhou Ming's head is a little bit dizzy. It's only been a few months, and there are not many loans issued. How come this has reached the point where it is going to go?
"Integrity! Integrity! Let's all talk about integrity, okay? They are all civilized people. How bad is it for everyone if they use knives and guns?"

Zhou Ming understands the usury merchants in his world. If the country advocates the establishment of an honest society, they will definitely be the first to support it. Integrity is really important. If everyone is not honest, they will really I have to drink the northwest wind.

However, Zhou Ming is still a person with a little bit of conscience and integrity. The interest on the loans he issued is far from the level of usury, only 5% for half a year and 10% for a year. The repayment interest is about 10% of the principal. The more the principal is repaid, the less additional interest will be paid.

In addition, Xunjie Bank will also conduct strict screening and asset evaluation for customers who come to borrow money. Those who are completely incapable of repayment will be excluded. Loans will only be granted if they have sufficient assets as collateral and have the ability to repay. If people take out loans, they are courting death.

Even so, even though 144 seemingly high-quality customers were screened out from thousands of borrowers, the high default rate still surprised Zhou Ming.

The reason for this situation, on the one hand, is related to the selfish and greedy nature of people in this world; on the other hand, the laws of this world have several fatal regulations on loans:
2.5. Any loan with an annual interest rate higher than [-]% is a usury and is illegal!

[-]. When encountering usury, people can not repay it for no reason, it is legal!
[-]. When the court encounters usury disputes, it unconditionally stands on the side of the borrower and imposes severe punishment on the usurer

In short, the combined meaning of these several items can be summed up in one sentence: lending money is illegal, and repudiation is not a crime!
Such a simple and crude law will almost push all forms of usury to a dead end and kill them all.

Zhou Ming certainly understands the starting point of this approach. After all, advanced consumption is an overdraft of the future and resources. No matter whether usury or low-interest loans, once flooded, social polarization, confusion, early hedonization, resource The phenomenon of overdrawing will definitely turn a healthy and stable social body into a corrupt and ugly one.

It can be overdrawn in the future, and it will be repaid sooner or later in the future.

But Zhou Ming cares so much!
Repaying debts is a matter of course!

If you don’t pay back the money, it’s okay to be an old man. Warning, stern warning. If the warning is invalid, your property will be taken away, and your life will be killed!

……

A week later.

The Fighting Group is officially established!
In fact, as early as more than three months ago, this thug group began to recruit thugs and conduct training.

In the thug group, the background of most of the thugs is not simple. They are all promoted from the lower districts to the 52nd district through various killing competitions, and now they are all under Zhou Ming's banner.

These thugs are all muscular, vicious, cunning and cruel, and vicious. Each of them has harvested at least 3 to 5 lives, and there may be a few monsters who have eaten human flesh and drank human flesh. Blood has no bottom line and does all kinds of evil.

For example, in the thug group, there are a few dead guys, whose nature is hard to change, thinking that since they have come to heaven, they will naturally live more freely and happily!So if you have a job and don’t want to do it, you don’t have money to spend, hey, you have money, hand over the money, rob?That's right, I'm just robbing!I won't take money to shoot you to death!

There are also two who can't control the sperm in their brains. Seeing so many beauties in heaven, no matter whether it's in broad daylight or dark night, they cover their mouths, drag them into the grass and slap them. They accidentally slapped one of the beauties to death with excessive force.

These murderers succeeded, some were shot dead by the police, some were caught in a temporary prison, and after all their property was confiscated, they waited for the clearers to deal with them... During the three-month training period, there were seven thugs in total. Die to die.

Zhou Ming ignored them, and would not spend half of his money to save them. He recruited thugs and obedient employees!Not brainless brats, and idiots who can't control their actions.

And the "training" he gave these thugs was not muscle training, but to introduce them to the rules of Area 52, let them understand the laws of Area 52, let them know the situation they faced, and let them understand: only follow Boss, it is possible for them to thrive and stop becoming "rats" that everyone hates. On the contrary, they will become feared "devils" in the eyes of those who laugh at them.

After the first period of training, the effect was remarkable. Except for the 7 who succeeded in killing, the remaining 22 people all put on handsome and capable uniforms, divided into multiple groups, and officially started to work.

……

East of Yaoxing City.

Baowan Town.

Li Xiaobo has been working in Dalin Agricultural Company for more than three months. This agricultural company has just been established and has 300 acres of farmland, but lacks workers and funds. The salary offered is only 3000 credits per month, which is very attractive to job seekers. With little strength, it was difficult to recruit people for a while. The boss of the company had to lower the requirements and recruited a few workers at a low price of [-] credits.

In fact, Li Xiaobo was originally a member of the pigeon family. He had worked as a part-time worker for more than ten years, and his credit deposits had never exceeded 3000. This old communicator, almost 8 years after its factory date, is still usable.

So, relying on this communication device, he encountered a once-in-a-lifetime opportunity: a stupid company actually launched a loan service, from which he could borrow money to solve difficult problems.

Coincidentally, on the job trading website, he saw the recruitment information of Dalin Agricultural Company.

Here's a chance to change your life!
After getting the loan, and after he officially went to work, out of gratitude in his heart, on the 15th of the first two months, after the salary was paid, he would transfer half of the salary to the designated account of Xunjie Bank.

"A loan of 7 yuan and repayment of 9 yuan within four years is obviously a usury and violates the "Anti-Usury Law". You don't have to pay it back. If you pay it back, you are a fool!"

What his colleague said made Li Xiaobo enlightened. In addition, the salary of 3000 credits a month is already low, and half of it will be paid back. He will live in financial difficulties for four years. He is 28 this year and wants to marry a wife.

No more!
Li Xiaobo was very happy, not to mention the 6 credits for nothing, the saved salary would soon end his single career.

"Li Xiaobo, someone is looking for you outside."

One day, Li Xiaobo, who was working in the shed, stopped what he was doing when he heard his colleague shouting, and with a suspicious expression on his face, outside the farm, he saw a person who said he was looking for him: a man in a decent suit, But a burly man with a sly smile hanging from the corner of his mouth.

For some unknown reason, Li Xiaobo felt a little guilty when he saw this man in a suit, but he still had the courage to ask: "Hey! Who are you? Why do you want me?"

"It doesn't matter who I am, the important point is that you should pay back the money you owe to Swift Bank on time."

The man in the suit said, twisting his neck, making a clicking sound, and his face with a few light-colored scars also showed a ferocious and tangled look of wanting to crush an ant, but had to negotiate politely.

"Don't pay it back! This is an illegal loan shark. I have the right not to pay it back. The law is on my side!" Li Xiaobo was confident.

"No, no, no, what you are borrowing is not a usury loan, but a debt of favor that you repay as much as you borrow. The law stipulates that non-usury debts must be repaid by the debtor. The law protects us creditors."

The man in the suit waved his index finger in front of him, correcting him.

"Impossible. When you took out the loan, you clearly agreed that the loan would be 7 and the repayment would be 9. This is usury!"

"Oh, take the contract and see if it says 7 to be repaid within six months, or 9 to be repaid in four years?"

Li Xiaobo immediately ran to his room, found the contract, and checked the clauses one by one. Sure enough, when he saw the clause "pay off the 7 debts within half a year without charging any interest", his body shook, as if he had been hit hard Generally, just stand there motionless.

……

It turned out that before launching the loan service, Zhou Ming had anticipated this a long time ago, so he tampered with the contract. All loan agreements, no matter how much the interest was, were all written "pay it off within half a year, and no interest will be charged." If you pay it off within half a year, you don’t need to pay the interest you negotiated before; but if it’s more than half a year, and the other party doesn’t pay it off and wants to renege on the debt, then a court notice will sue him Bankruptcy.

After all, debt is a product that cannot be eliminated in any form of society. Usury can be declared illegal, but what about debt of favor?If it is also declared illegal, that is, "borrowing money without repaying it" is legal, then the so-called justice will also become illegal, which will eventually lead to even more collapse and loss of the moral level of this world!Thus causing endless turmoil.

At present, Zhou Ming doesn't have any extravagant hopes at all, relying on the interest on the loan to realize his dream of skyrocketing wealth, at least get back the principal that was released first, as for how much interest can be collected, it depends on the skills of the thugs .

Therefore, apart from regretting why he signed the contract without seeing the terms clearly, Li Xiaobo continued to repay the loans honestly. There will be no pie in the sky, and no one is a philanthropist who gives you money for nothing.

As for the other dozens of defaulting customers, some of them, like Li Xiaobo, honestly paid back the money after receiving warnings from members of the thugs.

Another part, in the court, filed a lawsuit with the Quick Bank, but most of them lost the lawsuit and lost their fortunes.

There are also a small number of people who took the whole family and ran away without a trace. They thought that the people from the Quick Bank could not be found, and they secretly rejoiced. After Zhou Ming entered the police system of Yaoxing City, the Luck and fantasy, all like bubbles in the sun, quickly evaporate and shatter...

(End of this chapter)