Transform into a fairy girl

After Yang Bin understood what happened, he couldn't help but sigh. The problem of campus loans has become more and more prominent now. Many unscrupulous people think that college students have low social experience and are easy to deceive, so they specifically target them.

However, college students do not have the ability to repay. Once they are cheated, they will almost lose their money and their studies.

Because of the problem of campus loans, I don’t know how many originally excellent college students have been ruined. Before they had time to enter society, their confidence in the future has been shattered by the dark side of society.

However, I don’t know why, but campus loans have never been subject to any control. On the contrary, they have become more and more serious.

Not long ago, Chen Zihao gave up his studies and left City S because he took out a campus loan.

And today, another college student accidentally took out a campus loan in order to buy a new mobile phone, and was defrauded again.

He obviously borrowed 5000 yuan, but after only one month, it became 2 yuan. How could he afford to repay it?

Yang Bin learned that the student's family situation was not good. It was precisely because the family had no money that he wanted to borrow money to buy a mobile phone.

The reason why he borrowed money to buy a mobile phone was actually to prevent his classmates from looking down on him.

He comes from a rural area and has not seen much of the world, while most of his classmates in the same dormitory grew up in the city and are well-informed. Moreover, they all have this good mobile phone, which has almost become a standard equipment for college students.

He didn't want to be looked down upon by his classmates, so he also wanted to buy a more beautiful and fashionable mobile phone, so he took out a loan.

However, what he never expected was that this was an out-and-out path of no return.

How can he afford to pay back 2 yuan?

This is almost equivalent to his living expenses for two years.

Moreover, according to his confession, he is still receiving special subsidies for poor college students.

After understanding the situation, Yang Bin sighed helplessly. He had seen this kind of thing too many times. It happened almost every day. However, in most cases, these college students could only admit that they were unlucky.

Although Yang Bin also wanted to help them, he was unable to do anything. Last time, because of Chen Zihao's incident, he was even severely criticized by his superiors and almost took off his police uniform.

Since then, Yang Bin has become much more restrained. In fact, the police cannot help with such financial disputes.

If you owe someone money, you have to pay it back. When you signed the loan agreement, there were actually terms and conditions on it. As long as you read it carefully, you will not be deceived.

Obviously, these college students are all inexperienced children with high IQs. They think they are very smart, but in fact, they are extremely lacking in social experience.

Only when something happened did they realize how naive they were.

These unscrupulous people who use campus loans are all old foxes. In order to take advantage of legal loopholes, they will add a clause in the agreement "What is the tentative interest rate after mutual negotiation between the two parties?" This sentence means that even if the interest rate is The usury rate, which is much higher than that of the bank, is not formulated by his side, but negotiated between the borrower and the lender. This effectively avoids accusations of unilateral overlord clauses.

Of course, even if you still cannot escape the accusation of overlord clause, the punishment you will receive will be relatively light, because this sentence also contains that the agreement was signed through negotiation between both parties, so both parties will be responsible.

Many college students do not pay attention to these details, so after being deceived, it is too late to regret.

Yang Bin has witnessed too many tragedies like this.

However, as a police officer, what else can I do besides giving them a few words of comfort?

"Brother policeman, please help me. I really didn't mean to default on the money I owed them. I went to them before, but they either said that the accountant was not there, or that there was no supervisor present. They didn't accept it as an excuse. I was not allowed to repay the loan in advance, which later led to my breach of contract. It was really not my responsibility." The male college student cried with snot and tears, and his eyes were red from crying.

A young man cried like this at the gate of the campus in front of so many people, which shows how desperate and uncomfortable he is.

"Little brother, calm down. You must never borrow a campus loan. Once you borrow the money, you won't be able to pay it back even if you go bankrupt. You'd better think of a way to save the money and pay it back. Otherwise, they will They will come to trouble you." Yang Bin said to the college student.

When the college student heard this, his heart suddenly went cold, "I don't have that much money, how can I pay it back?"

Faced with the questioning from the college student, Yang Bin was also helpless. He knew that the college student had no money. If he had not had the money to buy a mobile phone, he would not have borrowed a campus loan. Now that the loan shark interest rate has increased to 2 yuan, how can he repay it? Affordable

Yang Bin wanted to help him, but he had helped many people before. But could this solve the problem?

Although Yang Bin's family is in good condition, he is just a policeman and his monthly salary is only a few thousand yuan. How many people can he help?

What's more, even if he sells all his houses and helps these students, will he be able to stop others from being deceived?

Never possible

As long as there are shady campus loans, this kind of deception and extortion will continue to happen.

He really couldn't understand why people's hearts could be so dark that they would disregard other people's lives in order to make money.

In order to make money for themselves, they push others into despair.

These deceived college students are the future of our motherland and the pride of heaven.

Maybe some of them will become the pillars of the motherland in the future. Are they going to be strangled in the cradle just for the sake of small temporary gains?

Yang Bin was silent for a moment and did not make any answer. He just took notes silently, then comforted the poor college student with a few words again, and then left.

Yang Bin returned to the bureau and pulled up the surveillance video. As he expected, this intentional injury incident caused by the campus loan was also caused by the rogue credit company.

Humin Credit Company is the credit company that blackmailed Chen Zihao. Their boss is called Li Hu, the younger brother of the underworld eldest brother Zhang Enguang.

This man was cruel and ruthless, and was Zhang Enguang's right-hand man. Because he participated in several forced demolition cases, he became famous instantly. Zhang Enguang used his connections to arrange for him to be assigned to the demolition office and became the deputy director of the demolition office. During his time at the demolition office, Li Hu took advantage of his position. , was greedy for a lot of money. Later, he heard that campus loans could make huge profits and the money came quickly, so he established the Minion Credit Company.

After the establishment of the company, he deceived many college students, not only deceiving boys, but also defrauding girls, especially some beautiful and vain girls, who were his main targets. Often when those girls could not pay, he would use the method of getting rich. He threatened his relatives with the same methods and let the girls be at his mercy. Over time, those beautiful girls, without exception, fell into his clutches.

After Li Hu mastered the resources of these girls, he also built a live broadcast website, allowing these girls to live broadcast on the website regularly to make huge profits.

Although these things have long been a fact, no one dares to ask questions, and Yang Bin is helpless.