The school beauty tortured me physically and mentally, and I was reborn as a licking dog and cut off

The middle-aged man who stood up was very thin, a little over 1 meters tall, with a slightly hunched back.

He has a face so ordinary that he would be unrecognizable if he were thrown into a crowd.

He dresses simply, has a mediocre temperament and is not well-known.

The only thing that left some impression on people was probably the white hair on his temples.

He held a thick notebook in one hand and a pen in the other, and his voice was a little dry.

"Hello, I would like to ask..."

The speaker at the podium looked the man up and down, then interrupted him unhappily.

"I'm sorry, sir, I didn't mean to ask you to ask a question just now."

"The person I invite to ask questions is the lady next to you in the tweed dress suit!"

"Please don't waste everyone's time!"

Faced with the spokesperson's relentless urging, the middle-aged man was obviously embarrassed.

He knew that, logically, he should sit back and let the lady next to him stand up and ask questions.

But he also knew that, in terms of justice, he needed to stand up and ask his questions.

The middle-aged man lowered his head and looked at the lady on his left.

He smiled and asked in a gentlemanly manner: "My beautiful lady, I have already stood up. Can you give me the opportunity to ask questions?"

The woman being questioned didn't want to force herself to step out in such a situation, so she nodded in agreement.

The middle-aged man got the answer and immediately turned to look at the spokesperson.

"Hello, since this generous and beautiful lady is willing, let's do as you say and don't waste everyone's time!"

The spokesperson curled his lips and reluctantly extended his hand in an inviting gesture.

"Well, please ask your questions!"

The middle-aged man fiddled with the press card around his neck, trying his best to keep the card holder wrapped around his work ID from moving around.

"First of all, I appreciate your company's value of 'inclusive finance' and I appreciate your consideration of issues from the perspective of people's livelihood."

The spokesperson smiled and said, “Thank you for your compliment!”

The middle-aged man grinned in a simple and honest way, with a humble expression.

Then he said, "My colleagues have already asked a lot of questions about your company's business, so I won't say more."

"So, let me ask a question that no one has asked before."

"A compliant P2P model should be a pure information intermediary company."

"On the third-party online platform it founded, investors were allowed to post information about 'idle funds for lending', and borrowers were allowed to post information about 'personal and corporate loan needs', and then they were allowed to match freely."

"From beginning to end, the company only provided a trading venue and did not intervene in the trading process."

"Is that so?"

The spokesman's heart twisted for a moment, then nodded.

"Common sense says that our company..."

He had just begun to explain when he was interrupted by the middle-aged man.

After getting a positive answer, the middle-aged man's expression suddenly changed, and then a sharp momentum quickly surged.

"Since you acknowledge this, then why is it your company that lends money to the borrower? Instead of the investor?"

"In addition, P2P online loans generally do not require collateral, but every loan your company lends out requires the borrower to have physical collateral."

"Of course, considering the risk, we need physical collateral, which is understandable."

"But why would your company package the mortgaged assets into 'credit investment products' and promise a fixed rate of return before selling them to investors?"

“Is this mode of operation really free of violations?”

The villagers of Tuanjie Village are the borrowers.

They need to mortgage their own grain harvest, newly built houses, orchards, fish ponds, cars... a series of physical assets that can be converted into cash, in order to get the money from Aurora Wealth that has been cut in interest.

Aurora Wealth will package the houses, grains, orchards, fish ponds, cars, etc. mortgaged by Tuanjie Village into financial products, set an interest rate of more than 15%, and attract investors to buy them.

As a result, Aurora Wealth has transformed from a platform with "intermediary attributes" into a third-party financial institution that grants credit, lends money, and raises funds.

The spokesperson had seen the list of questions for all visiting journalists in advance.

The questions asked by this middle-aged reporter did not go beyond the outline.

He said in a relaxed tone: "Thank you for your question."

"I want to say, sir, you are not asking one question, but several questions."

"However, since your questions are very valuable, we won't dwell on how many questions you asked."

These words had a significant effect of livening up the atmosphere.

Some people smiled knowingly after listening to it.

The scene was immediately filled with a joyful atmosphere.

The spokesperson waited until everyone had finished laughing, then his tone suddenly became serious.

"First of all, I need to answer you that there is no violation of any rules in our operation."

"Secondly, as for your question about 'a compliant P2P platform only provides a trading venue and does not intervene in the trading process', it is actually biased."

"There is a saying in law, 'Anything is allowed unless prohibited by law.'"

"At present, the supervision of the loan risks of financing platforms by my country's Banking Regulatory Commission remains on the basis of 'policy remains unchanged'."

"What does 'policy remains unchanged' mean? It means that we will continue to maintain a lenient attitude towards existing online lending businesses."

"The law does not stipulate that we cannot be both an intermediary platform and a lender."

“There is no regulation that we cannot package the borrower’s mortgage assets into financial products.”

"It is also because of the country's open policies that we have the opportunity to grow."

"We respond to the call of the country, comply with national policies, abide by national laws, and do everything in accordance with rules and regulations. This is a reasonable and legal business behavior!"

At present, the state's supervision of online lending platforms is completely blank.

The law does not clearly define the nature of P2P, nor does it grant financial-related departments the authority to regulate it.

It is a historical stage in which things are allowed to develop barbarically.

The root cause of this "barbaric development":

Firstly, the "financial crisis" caused by the West has just passed and the country does not have that much money.

Secondly, banks at this stage are firmly tied to state-owned enterprises and government projects.

The money in the market is limited, and it is given priority to state-owned enterprises and government projects.

Then, most small, medium and micro enterprises will naturally be abandoned by the authoritative financial system.

But every small and medium-sized enterprise wants to survive and develop rapidly.

Banks are unable to provide loans, so they can only turn their attention to the rising popularity of Internet finance.

For its own strategic planning, the country also needs a large number of small and medium-sized enterprises to survive. After all, they represent the country's development and future.

As a result, this "extra money" hit it off with many parties, completely became a wild horse out of control, and created such a special historical period.

The speaker's speech has ended.

He thought he spoke all right.

At least, when Manager Xu from the Propaganda Department secretly glanced at Zheng Yiping who was sitting in the dark, he did not notice anything unusual in the expression of his immediate superior.

But what is intriguing is that the middle-aged reporter who had just asked the question was reluctant to sit down.

He maintained his usual hunched posture, looking at the speaker with deep eyes, his dry lips trembling, and the record sheet in his hand was held tighter and tighter, even with creases appearing on it.

"If the operation mode is compliant, then what about loan sharking?"

The middle-aged man's voice was not loud, and only a few people next to him heard it.

The spokesperson turned his attention back to the man.

He didn't hear clearly, so he asked again.

"What did you say?"

The reporter suddenly raised his voice.

The shrill voice spread to every corner of the huge space.

The sound is loud and clear, and it is deafening.

"I visited seven villages and conducted field investigations, interviewing a total of 7 local people."

"Many of them told me that they borrowed 5000 yuan from your company, but ended up having to pay back 5 yuan twelve months later."

"Our country's judicial system has clear regulations that an annual interest rate of more than 24% is considered usury."

"Now the Internet is buzzing with rumors. Yangcheng media has published reports on Tuanjie Village, releasing a large amount of video and audio evidence, accusing your company of being involved in loan sharking."

"How do you explain this phenomenon?!"

The question is too direct.

Moreover, this problem did not occur during the rehearsal.

So much so that the speaker's brain felt dizzy for a moment.

After the dizziness ended, Manager Xu from the Propaganda Department couldn't help but become angry.

He is hostile to anyone who does not play by the rules.

Not following the rules means performance accidents will occur.

If an accident happens, my bright future will come to an end.

He has struggled for so long and finally got to where he is today. How can he let an unknown person ruin it?

The spokesman's burly body was as tense as a spring filled with potential energy.

His eyes bulged out of their sockets, and his thick black eyebrows sank majestically, as if he was going to send the person who asked the question to the gallows.

"I've said it before, accusing us of usury is pure slander!"

"That was a crime carefully fabricated by someone with ulterior motives!"

The middle-aged man didn't listen to the other party's explanation at all.

He bent down, picked up his shoulder bag, and took out a camera.

He quickly turned on the phone and immediately shouted even louder.

"I have a video of the field investigation here, and I also have a video of your company's loan contract."

"It's written in black and white on the paper. It clearly states that the loan is 5000 yuan, and after 5 months, the repayment is yuan."

"unambiguous evidence!"

"It's not what you call 'pure slander' at all!"

Nearly a hundred people in the audience started to whisper and discuss in a very short time.

There was a buzz of voices, mixed with the more frequent sound of camera shutters, which created anxiety and uneasiness for no reason.

The spokesperson subconsciously looked at Zheng Yiping in the corner.

At this moment, Zheng Yiping was talking to Pan Ying with his head tilted. His face was sunk in the shadow and his expression could not be seen clearly.

Although General Zheng did not take him into consideration, the spokesperson knew that he had to handle the sudden difficulties well.

Otherwise, what awaits him will be complete disappearance from the high-elite group!

The spokesperson, Manager Xu, gritted his teeth, calmed himself down, and forced an explanation.

"Reporter, I think you really misunderstood."

"Our company has never engaged in usury."

"The situation you mentioned of borrowing 5000 and repaying 5 does exist, but it is definitely not in the form of usury!"

"I believe this gentleman has definitely not read our loan agreement carefully."

“The distinction between lenders and borrowers, as well as our platform, is quite significant.”

"The borrower borrowed 5000 yuan, but when repaying the loan, in addition to paying interest, he also needs to pay additional consulting fees, management fees, and platform service fees."

“Our interest rate is not high.”

"The consulting fees, management fees and service fees are all clearly marked and reflected in the signed contract."

"Therefore, accusing us of usury is pure slander!"

The spokesperson emphasized the last four words.

The effect is also obvious.

His explanation completely quieted the originally noisy crowd!