Fangro

On the screen, Wang Xiaochuan has a crew-shaven head, and his skin is pale with rare light. Due to long-term medication, he has many pigment spots on his face, and his expression is calm and numb instead of the embarrassment and uneasiness seen in the big scene. .

He sat in a wheelchair, and a blanket covered his twisted and shriveled body from feet to shoulders.

Wang Xiaochuan has a good voice suitable for narration, but the words he speaks are not pleasant at all. He said: "I am 27 years old, but I died 5 years ago."

This is quite an impactful opening statement. The camera cuts to the auditorium, capturing the uproar and astonishment on people's faces.

The host said wittily: "Our Xiaochuan is worthy of being a high-achieving student in a key university. It is interesting to talk. You remind me of a sentence. For example, if yesterday died, let the past pass. Come on, let's continue today's topic. Ogawa, would you mind sharing your experience with everyone?"

Wang Xiaochuan was here, so naturally he didn't mind. He smiled at the host, and the host put the microphone next to his mouth again after he understood.

"5 years ago, I was still a college student. The school was not bad. I was not paralyzed. I stood 1 meters tall. I was a small cadre in the class. I liked organizing activities, eating, drinking, and picking up girls. The head teacher praised me. There is a future, at that time I thought he was right, if I have no future, who will have it?"

"But I just don't."

At this point, there was a slight fluctuation on his face. Wang Xiaochuan lowered his eyelids and bit his lower lip. When his eyelids were raised again, some pain finally burst out in his expression.

"I... came into contact with online gambling, and my addiction became more and more serious. The whole person became obsessed. At first, I used all my living expenses to gamble. Later, I made up excuses to ask my parents for money to gamble, and asked my classmates to borrow money to gamble. Later, If there is nothing to borrow, start borrowing campus loans.”

"I was a junior in 2011. At that time, everyone was still using Blackberry and Sony Ericsson full-keyboard mobile phones. The Internet was not as developed as it is now. There were various unnecessary things such as Huabei white notes, asking for money, and one-second loans. For the threshold loan method, I had only one choice at the time, which was torn and torn campus loan advertisements were pasted on the school telephone poles and bulletin boards, and that was the most regrettable call I ever made in my life.”

Host: "That time you called and asked how much you borrowed from the campus loan institution?"

Wang Xiaochuan: "2500 yuan."

The host said naively: "That's okay, it's not too much, then how much do you need to pay back?"

Wang Xiaochuan: "26."

The clip played this number three times emphatically, and the host said in shock: "From 3 million to 2500, my God, how long did it take? Did you repay and borrow a larger amount of money, or did you just borrow more money?" With the 26 yuan as the principal and rolling interest, it rolled directly to 2500?"

Wang Xiaochuan: "It's been almost 11 months, and I haven't paid it back, and I will borrow it again later."

This sounds like you deserve it, the host said with a face of "Why are you so confused": "Let's not talk about whether this campus loan is legal or not, just say that it is only right and proper to pay back the debt. You were What do you think? Why don't you pay it back?"

Wang Xiaochuan: "I wanted to pay it back. It was the first time I owed money to people in the society. You can feel it when you get in touch with them. They are completely different from students. The money owed to classmates is at most a few words, no I was with me, but those lenders really dared to do something to me. I was really scared, but because everyone who should be hurt had been hurt before, and my parents were disappointed in me, so I didn't get much money. "

"I have also distributed leaflets and worked as a tutor, but the difference between a gambler and a normal person is that even if a gambler has only a penny in his hand, he will use it to gamble, because he is always doing the same day. Meng, the next move is a chance to turn around. So the agreed time is getting closer and closer, and I don't even have money for food. It was summer at that time, and I was really desperate, so..."

He hesitated to speak several times, and finally closed his eyes and showed a wry smile: "I grabbed a handful of change from an old beggar's bowl on the side of the road."

There was a lot of discussion in the audience, condemning his behavior.

Wang Xiaochuan was not affected, and continued: "I ate a meal with the money, and I bought frozen mineral water for the remaining few yuan, soaked it in the washbasin, and then washed my hair with that cold water. Don't sleep, don't eat during the day, because I don't have money to eat, I got myself a bad cold, relying on this cold, at least I touched a buddy of mine who used to be very close, but he didn't give me a penny, he Take me to the school hospital."

"I was on an IV in the infirmary. I hated him. I called him a dog and a mouse. I didn't want to reveal his information, so I called him Xiao Zheng. If he could watch this program, he would know that I was calling him. "

He didn't want to disclose Yang Zhen's personal information, so he made up a name on the spot. Yang Zhen's nasal sound was not distinguished from the front and back, and "Zheng" and "Zhen" sounded little different to him.

"People from campus loans came to me, and I was prepared to kill or cut casually, but they were very talkative and promised to give me a period of time. But as long as I don't quit gambling, I won't have it after a while. Money, after 3 months like this, I didn’t repay the old debt, and borrowed a new debt of 2000 and 3500. At this time, the interest rate was tens of thousands, and I couldn’t pay it back at all.”

"At this time, they threw the bait at me, asking me to join them and develop borrowers among the students for them. If three people come in, I won't have to pay back the money."

"I felt very strange at the time. I said that my classmates were not short of money. Who would borrow money for no reason? Then I found out that these lenders were in the same group as the website that gambled with me. They first took the bank through the gambling website. , first make a profit, and then squeeze people dry by lending money. I was not so clear at the time, so I agreed vaguely, and then killed Xiao Zheng, my best brother."

"I lured him to gamble, but I didn't say it was gambling. I just told him that it was a legal way of betting, just like sports lottery. That website cleaned up all the negative news, and Xiao Zheng couldn't find anything. , he is also a football fan, I took him to a game, he won 100%, and then came in."

"He became me before, and because I already had the pressure to repay the debt in my heart, the two people in the back couldn't catch it for a long time. Seeing him squatting in front of the computer when he got up, he was getting more and more nerdy and his spirit was getting worse. Suddenly, I felt that gambling was meaningless again, and I regretted it, wanted to go ashore, and wanted to take him with me."

"I had a showdown with him, and he beat me up. If he still gambled, I beat him. We fought coldly, struggled, supervised each other, borrowed suits from fellow graduate students, and went out to find a job every day with steamed buns from the cafeteria. We didn't let ourselves stop. Come down. But the campus loan group saw that we were no longer willing to be obedient fat sheep, so they changed their expressions and asked us to pay back the money urgently. It was a miserable time. I don’t know if Xiao Zheng ever thought of using death to pay Relieved, but I had enough, so I jumped off the roof of the building I was working in, and now I am paralyzed for life, a cripple."

The host patted him on the shoulder and comforted him: "Don't say that, we know that you are a compulsory teacher in a school for the disabled, and you are the children's favorite Teacher Wang."

Wang Xiaochuan smiled self-deprecatingly, but did not answer.

Host: "I heard that usury's method of collection is very cruel, Xiao Chuan, can you tell me what happened to you at that time?"

"Yes," Wang Xiaochuan said while thinking, "At the beginning, it was phone calls. The frequency ranged from notifications to calling you dead, and the tone ranged from amiable to threatening, and then to our school and company to make trouble, so that everyone should stay away from us. In short, it is more convenient for them to start. Then they splash paint on the door of our rented house, write "Kill" on the wall, block us in a place with few people, and beat us severely. People who pretend to be public prosecutors lock us up and trick us We go to other lending platforms to borrow money to repay debts, and what’s more, they provide channels for organ trading, allowing us to sell kidneys.”

Host: "Just hearing this, especially the last one, makes my hair stand on end. People who have really experienced it can imagine how terrified they will be. Didn't you call the police?"

Wang Xiaochuan: "I have reported it many times, but the police have nothing to do. This is an economic dispute. If you want to go through legal procedures, you have to go to court, but we have no money to sue them."

Host: "Then, do you still have dealings with that lending institution?"

Wang Xiaochuan: "No, they also depend on the situation. My medical expenses have used up all our family's savings, and even the house has been sold. Even if they force us to death, our family can't get anything. After I was hospitalized, They never showed up again."

Host: "Okay, thank you for sharing. We have seen that whether it is gambling or borrowing, Xiao Chuan has paid a painful price for his behavior. Now he has been reborn from nirvana and has joined the ranks of teachers gloriously. I hope everyone Give him some applause."

After the applause resounded, the host said again: "Xiao Chuan came to our show as a guest, but he actually came with a purpose. He wanted to find someone and say a word to him."

The moment the microphone came to his mouth, Wang Xiaochuan's calm mood suddenly fluctuated, and two lines of tears flowed down his face, and he had no condition to wipe it off, so he could only let it flow, choked up and said: "Little Zheng, I'm sorry, I'm sorry for you more than I'm sorry for my parents, I can't walk anymore, I can't find you, and I dare not look for you, I hope you are still alive, okay."

The atmosphere was low for a while, and the host borrowed a pack of tissues from the auditorium, calling on "Xiao Zheng" to call the number at the bottom of the screen if he saw the show, and the program team would call Wang Xiaochuan for him, and then Wang Xiaochuan was sent out. on site.

The host continued to report: "Cash loans are not pie in the sky. It is said that they are usury loans in various vests. So are they usury loans and are they protected by law? In recent years, the topic of cash loans and credit loans has become more and more popular. More and more, today our program team invited an expert in handling debt and credit disputes..."

While the TV program was broadcasting, Huang Jin, who was riding a bicycle across the road, also met a person related to cash loans.

Like Yang Zhen, Huang Jin didn't have any orders recently, and he was bringing clients to his colleagues who were selling apartments in Xincheng District.

Every time the listings of residential properties drop to a low point, the apartment buildings will turn over and sing, bringing strong advertisements and publicity into people's vision.

Apartments have 40-50 years of property rights. You can buy them freely without restrictions, and there are plenty of houses for you to choose from. However, people who live on their own will generally not consider apartments because of the years of life and commercial water and electricity charges. Only those who need to launder money or People who invest in high rental returns will be interested, as it has a limited audience and is harder to sell than a residence.

But idleness is idleness, Huang Jin thought about taking a client to sign a contract successfully, he can get 20% commission, and he works hard every day.

Last week, he tried his best to get an appointment with a client who was willing to see the house. Today, he was rushing there early in the morning at the time of the other party.

The subway is crowded with people during rush hours. Huang Jin waited several times before getting on the subway. When he got out of the station, it was a little too late. He drove a shared bicycle and hurried to the destination community, but because the speed was too fast, At the intersection, I caught up with a small car that turned right and started.

Fortunately, the car had just started and the speed was very low. Huang Jin was only jolted back a bit. Both the person and the car were still standing. He was startled, but the owner of the car was extremely annoyed. .

"You little dog, you're in a hurry to reincarnate, don't you see that this is a red light for pedestrians? Ah?!!"

As soon as Huang Jin met the people coming out of the car, his whole body shook, and he became nervous like a conditioned reflex.

In front of him was a fat man with small round eyes and an inverted pear-shaped face. Although his upper lip turned up for some reason, Huang Jin recognized it immediately. This was Yang Zhen's first debt collector. Huang Jin also "copied" Brother Hong who played the game.

Brother Hong came out angrily, and was taken aback when he saw Huang Jin, he still had an impression of this young man.

Because Huang Jin's graduation certificate and computer were taken away by them in April, and they put them in a drawer in his office. His younger sister came over and saw Huang Jin's graduation photo and asked him to introduce someone to him. Charred on the outside and tender on the inside.

Huang Jin belongs to the camera-friendly body whose ID photos are more handsome than himself. Brother Hong thinks that he is not as good-looking as his roommate, but that guy who is involved in gambling and usury is the most undesirable type of man.

Since he was someone who had acquainted with him before, and he was also dishonest when he took away his computer and threatened his roommate, Brother Hong didn't continue to scold, but just said with a straight face: "Go out and watch the way, otherwise you won't know how you died."

Huang Jin was a little apprehensive of the people in their society, saying what to do.

Brother Hong saw that he was timid, so he waved him away.

Huang Jingang hooked the pedal back and stepped on it half a circle and slipped out, the elder brother behind him suddenly stopped calling, and he turned around in a panic, and saw the fat man who was hesitant to speak.

"You... Ask your roommate to pay attention to the news of Lijun Lending Company recently."

Lijun had too many bad debts by the end of the year, and the methods of recovering loans were more aggressive, and it was said that the company was not peaceful. Brother Hong didn't ask too much. After Liang Pijun came back, he had long since stopped working in Lijun.

He didn't sympathize with Yang Zhen, but just thought of it for a while, and he couldn't explain why he did this.