The Yongan Pawn Shop of American Comics

"I……"

The -year-old young girl was stunned, she didn't expect the story to have such twists and turns, the big characters who jumped out became more ruthless one by one, and the incident turned from a trivial matter into a big duel between bosses.

The girl was still thinking about whether she would be abandoned just now. After all, they are all famous figures, how could they get into trouble because of a girl who has no identity and no identity?

Unexpectedly, Lu Xuan brought the matter back to trivial matters, and asked her to explain by name. He was in a daze for a while, not knowing what to say.

"Don't be nervous, just say what you have to say, as long as you tell the truth, no matter whether you are in a right or wrong position, you can tell the truth." Lu Xuan saw through the girl's mind at a glance, and understood her I was very nervous, so I said something casually.

"Yes." The young girl nodded, then looked like she was embarrassed, and said slowly: "Actually...actually, I said I owed Zhao Erhu and the others some money, but I didn't pay it back in time, so they Taken away by force."

"Oh." Lu Xuan responded casually, and then asked, "How much do you owe them?"

It is no secret that modern college students are in debt and owe money. Obviously their parents have given them enough living expenses, but the environment they live in is a big environment of mutual comparison, comparing who wears clothes, mobile phones, boyfriends, bags, etc. Etc., having the heart of comparison will promote the consumption of college students beyond their own ability.

Many financial loan companies now focus on college students. As long as they have a student ID card or can prove their identity as a student, they can get a loan, and the amount is even higher than that of ordinary migrant workers.There are countless apps and loan websites specially set up for them.

Especially female college students are the favorites of financial companies and banks. Their quotas are more than ten times higher than those of boys of the same age. They basically give them as much as they can. Because no matter how much a girl owes, her boyfriend will help pay it off. Even if she doesn’t have a boyfriend, her ability to attract money is always much better than that of a man.

Because college students have strong spending power, good face, and the school is a fixed place where they can’t run away if they want to, and even if they don’t pay back the money, they are laughed at by their classmates and friends in the school, and they can’t hold their heads up in front of goddesses and gods. The reason why financial companies are willing to lend money to college students.

At first, the students borrowed money from regular low-interest platforms. Later, they were unable to repay the funds and had to borrow offline private loans for turnover. In the end, they had no choice but to borrow loan sharks with an interest rate of 30% per week, or even A fruit loan that can send them to hell.

That is, female students don't wear clothes, take selfies with their ID cards, and use their dignity to borrow money.Once you can’t pay it back, the photo will be exposed by the lender. If you are good-looking, the boss is willing to take it for fun, and if you are not good-looking, you may be sold directly to repay the loan.

Most of them saw their girlfriends and classmates paying for an Apple or computer in installments at a low interest rate on the college student loan platform, so they also tried it.Once I have tasted the benefits of using credit to consume ahead of time, I want to buy all kinds of things next, such as bags, clothes, high-end cosmetics and so on.There are also withdrawals to turn into cash, to improve myself in the standard of living, and to consume things that I did not dare to consume, thinking that I can pay back by doing odd jobs by myself.

There are also some college students who have not experienced the cruel competition of the society, and naively think that they will use the money obtained from these loans to start a business.You naively thought that if you persisted, you would definitely earn back, so you went to borrow money from other platforms again.

The monthly repayment amount has also changed from a few hundred yuan in the initial installment, such as mobile phones and computers, to several thousand yuan, or even tens of thousands of yuan.

Their monthly income is basically the living expenses from the phone calls from their parents. They can earn a little money by doing odd jobs and distributing leaflets. Restrain your desire/desire to consume, or stop eating or drinking.

College students who often lack social experience do not have much self-control. They are used to opening their mouths and taking everything too naively. In addition, the reality is too tempting/tempting, so they step by step into the abyss of high debt.

A young girl says she won't pay back the money she owes. In this era when college students like to spend money on debt, it's really not a strange thing.

"Twenty thousand." The young girl lowered her head and responded with some embarrassment: "It's been two weeks. Calculated based on 32% of the weekly interest rate, it's already 10. I'll try my best to get it from other places. I borrowed 22 and paid it back, and now I still have that I haven’t paid back.”

"The interest rate is quite high." Lu Xuan sneered, and then asked: "What did you borrow the money for?"

It's not uncommon for college students to borrow usurious loans. According to Lu Xuan's temperament, he didn't want to ask why he took the money, but Xiao Sanshao came out for a few hundred thousand, and the other party was still waiting here. It was obviously not that simple, so I asked that question casually.

"Save my father's life. He had a comminuted calf fracture in a car accident a while ago. He needs immediate surgery to replace the bone, otherwise he will have to sit in a wheelchair for the rest of his life. I have no choice but to borrow money from usury." Young girl replied.

"Oh." Lu Xuan nodded, and then asked: "Two hundred thousand yuan shouldn't be a lot these days. Since you can study at the art college in Shengjing City, your family background is at least well-off, and you can afford tens of thousands." One year's tuition. For this amount of money, even if you don't have it at home, you can borrow it from a relative or something? Even if your relatives refuse to borrow, ordinary college students can borrow tens of thousands of yuan from all major loan platforms at the lowest interest rate. It’s only two cents more expensive. For students from such a prestigious school, each loan limit starts at 50,000, so they wouldn’t have to borrow a loan shark with an interest rate of 30%, right?”

"Because..." When the young girl wanted to answer, she saw a young gangster next to her giving her a vicious look, and she was immediately too frightened to speak.

"Don't be afraid, tell me the truth, what is the reason?" Of course Lu Xuan knew that she was threatened, so he reminded her coldly with a blank face.

"Because..." The young girl glanced at the little bastard, then at Lu Xuan, and finally gritted her teeth and replied with difficulty: "Because they interfered from behind and made me borrow money to run into walls everywhere. The platform did not lend money and was not approved, and no one lent me a private loan... In the end, I could only borrow usury from the two of them."

"You idiot, don't talk nonsense, it's obvious that you owe us money and don't pay it back, so why should I talk to you?" Hearing the young girl's words, a young gangster retorted.

As soon as his words fell, another gangster yelled and drank, "Damn it, when did you see us interfering with your loan? It was obviously because you couldn't borrow money from other places that you took the initiative to ask us to borrow money." .”

"Shut up!" Lu Xuan turned his head and glared at him, then shouted sternly, "Don't speak without my consent and asking questions."

He calmed down the gangsters with just one sentence, turned his head and continued to look at the young girl and said, "Go on, why do you think they are disturbing you? Do you have any evidence?"

"Because he often harassed me and asked me to be his girlfriend, and gave me flowers and various expensive gifts, but I didn't accept them." The young girl looked at Xiao Sanshao, and said cautiously: " My poor relatives in my family don’t have much money. After my father was in a car accident, I tried all the platforms that college students can borrow, but the result was that the comprehensive score was insufficient and the review failed. I also contacted offline financial institutions, and some of them have already agreed I made the loan, but in the blink of an eye, I was notified by phone that the loan could not be made due to qualification problems.

My father was desperate for money for surgery, so I had no choice but to borrow money from loan sharks like Zhao Erhu who were around the campus. Originally, I planned to borrow 100,000 yuan a Tuesday, and then mortgage my house to a bank to pay off the hole when I got home. After all, bank loan review cycles are relatively long. When the money came out, my father would be dead.

I didn't expect to mortgage the house to the bank for a mortgage loan, but the comprehensive score was still insufficient and the loan could not be granted.In this way, I have no funds, and I can gamble on the hole of usury. I borrowed yuan from relatives, friends and classmates, and there is not enough interest money.At first, I thought that the failure to get the loan was just a matter of luck, but when he suddenly appeared here, I suddenly felt that the matter was not simple, and I felt that there was always a big hand behind the scenes blocking it. "

After the sound fell, the young girl looked straight at Xiao Sanshao, and obviously said that he was the mastermind behind the scenes, blocking all channels for girls to get loans.

At the same time, Third Young Master Xiao also has such an ability. As the young master of a wealthy family in the capital, even if he is a dandy waiting to die, he can casually say hello to the bank manager and report his ID number to restrict this person's lifelong lending behavior.Not to mention other small financial loans, just a word can kill them, let alone be afraid that they will not behave obediently.

In addition, those small financial loans are basically the dogs of the rich. The rich people's industries have reached a point where they are full and unable to expand. If they rush to start a new industry, they may lose a penny.In addition, any enterprise likes to borrow money from the bank to operate, leaving the risk to the bank and the country, and it does not know where to put the money it earns its own.

It is the poor man's idea to put the money he earns in the bank. Every year there is inflation and currency depreciation. What costs 10,000 yuan this year will cost 11,000 yuan next year. In addition to bank interest, if you save RMB 10,000 for a year, you will get just over RMB 200, which is far from keeping up with inflation. The longer you save, the greater your losses will be.

Lending and private lending are basically the favorite things of wealthy people. Generally, the interest rate for private loans is around two cents. Ten thousand yuan a year is about two thousand four cents, which far exceeds inflation and can still make a little profit.

Because the domestic credit system is not well done, Lao Lai Duo, the money released is not easy to get back, the rich are generally too busy and too lazy to go to the door to collect debts in person, so they will raise a group of subordinates, or invest in financial companies, and share half of the money. The proceeds give him the security of his assets.

Even if 10,000 yuan can earn 1,000 yuan in interest a year, it is several times more than a bank, and can keep up with inflation and price increases.

Like those who have so much money that they don’t know where to spend it, the funds used for the company’s operations are basically low-interest loans from banks, so they are very happy as long as their own money does not depreciate.

Furthermore, banks are also working hard to provide low interest rates, otherwise they will have no money to pay interest to depositors.

"Grass and mud horse."

Hearing what the girl said, Third Young Master Xiao immediately yelled and cursed angrily, and yelled angrily: "You really want to die, don't you? Don't fucking say that there is no reason to pour dirty water on me, borrow it yourself. If you don’t have the money and no proof, don’t give me the money, just talk nonsense. Did I beg you to borrow usury? Did I ask Zhao Erhu to come to your door and ask for a loan? I’m paralyzed, 20 you pay me for a night of sleep It's late, it's none of my business that you like to borrow money from usury? Besides, so what if I don't give you money even if I say hello? Hit me if you have the ability?"

"You, you...you are shameless!" Hearing Xiao Sanshao's arrogant and domineering voice, the young girl blushed with anger, hesitated for a while, and finally worked up the courage to curse out, "You understand Knowing that I will not agree to you, nor will I commit myself to begging you, will resort to such indecent means, otherwise I don't believe that you will appear here by such a coincidence?"

She seemed to feel that the only one who could save her now was Lu Xuan, and she was not afraid of offending Mr. Xiao. Anyway, things had reached this point, and even if she had a chance to escape today, she would still be arrested tomorrow.

"Yes, yes, yes... What did I do? Did you fucking hit me? Did you call the police?" Third Young Master Xiao sneered, with an arrogant look on his face.

"Hehe." Lu Xuan sneered, ignored Xiao Sanshao directly, and asked a gangster next to him: "She is right, she still owes you 22, right?"