Conan: I Am Not a Snake Spirit

After Vodka took a sip of the Thorn Cocktail, he turned his head and shared his tasting experience with Gin, "Brother, this cocktail tastes really good too!"

Gin lowered his head and drank the wine in the glass. "The spicy taste is covered by the sweet and sour taste. The berry aroma is mixed with the juniper berry smell in the gin. The smell is rich and strong. It is suitable for people who don't usually drink much..."

Chi Feichi looked down at the information on the phone, and added in a hoarse voice, "It's also suitable for people who often drink cocktails to find freshness. Such a sweet gin is rare."

Gin: "..."

(▼へ▼メ)

Lak is really a dog who can't spit out ivory, so yin and yang!

You can't hide the eyes of someone who wants to kill someone. However, some people can pretend not to see that kind of eyes and continue to do their own things as if nothing happened. Some people are more worried that they will be accidentally injured after the conflict intensifies.

Vodka looked at Gin's suddenly gloomy face, and felt that he had to say something to divert the attention of the two of them, "By the way, brother, you asked me to arrange for someone to go there to check the situation, I have already arranged It’s over, just as you said, pretending to let people go to that locker to pick up things, and by observing whether the people we sent get the things smoothly, whether they are monitored or interrogated, to determine whether there is anyone ambushing there, I arranged for two people to go there, and they both got the things smoothly and left safely, it doesn't look like there is an ambush, shall we go directly there later?"

When it came to business, Gin didn't think about Chi Feichi's irritating remarks anymore, but his face was still gloomy, "No, before we go over, I will arrange for Kiel to check around again. The credit unions are in collusion and may borrow some manpower from those people to set up a trap."

"Just relying on those little bastards who can only scare people, it doesn't matter how many come?" Vodka laughed contemptuously, "We just need to scare them casually with real ones, and those people will run away!"

"But what we have to do is to make Hirama disappear." Gin took out a cigarette and bit it, and said in a cold voice, "If someone sees us and finds Hirama missing after escaping, what's the matter? If it’s not good, I will choose to call the police and tell the police what we look like, then we will be in trouble, we can’t make too much noise, it’s best to make sure no one is around.”

"Ah, that's right," Vodka agreed with a clear face, "If too many people know that we have taken Hirao, we have to clean up those people, that would be too troublesome, but Hirao That guy is really infuriating, he wants to get rid of us after he has made enough money..."

Chi Feichi who read the information: "..."

Here comes vodka's invective of the day for action targets.

...

Late at night, street lights illuminate the road outside a small remote park.

There was no one on the road, no vehicles passing by, and it was very quiet.

A row of paid lockers stands on the side of the road, and mosquitoes that become active after summer are flying in the sky.

Vodka stood behind the gate of the park exit, took out his mobile phone to check the time, saw that it was past midnight, and then sent today's insults to the target of the action, "It's already early morning, is that guy still in that entertainment club in the middle of the night?" Are you fooling around here? He’s leaving for France tomorrow, right? He’s coming to pick up things tonight, so how can he still be in the mood to go fooling around in that kind of place..."

Chi Feichi stood aside, listening to Vodka's abuse, and silently took out a cigarette from the cigarette case.

The experimental subject to be captured this time is named Kotaro Hirama. He is 43 years old this year and is considered a celebrity in Tokyo's financial circle.

He had heard a little about Kotaro Hirama before.

Kotaro Hirama used to be a university professor and a scholar who studied finance. Five years ago, he was involved in the storm of oppressing students and embezzling students' academic achievements. He then resigned from the university and founded Hirama Financial Firm.

On the surface, Hirama Financial Firm is providing asset allocation advice and financial investment advice for some rich people, but in fact, it has connections with many financial consumer credit clubs, earns some wealth in the gray area, and even does some things to teach people to take advantage of loopholes Tax evasion and stuff like that.

Those consumer credit companies, to put it bluntly, are usury companies that provide high-interest loans.

In Japan, the interest rate of bank loans can be very low, as low as almost zero, but the banks have very strict examination of loan qualifications, and it is difficult for ordinary people to obtain such low-interest loans. The only way is to go to a credit company for a loan. loan.

Large commercial groups with financial systems such as Field Group, Yan's Consortium, and Suzuki Consortium all have banks and credit companies under their banners. Banks absorb ordinary people's savings for investment, and some of the funds flow to credit companies.

The advantage of borrowing from these credit companies is that the interest on the loan is not too high, and the borrower can also choose to repay the loan in installments of ten or twenty years. Loan interest' treatment.

But these credit companies don’t intend to make much money by borrowing. The consortium itself has many investment projects. Sometimes the investment projects will earn more than the investors, and the future income of the investment projects will be higher.

The establishment of a credit company is mainly to occupy a part of the market, and try to harvest talents or a large number of middle and low-level employees in a wide net.

Therefore, these credit companies are only willing to invest in those who have room for development in the next few years and can continue to repay the money. If the borrower does not have enough assets, he needs to have a stable job or have good grades in a certain school.

Borrowing from these credit companies also requires strict asset review, complicated procedures, and the approved loan amount is not as good as that of usury companies.

If it is difficult for someone to borrow money from these credit companies, or if they are not satisfied with the loan amount and speed of these credit companies, they will choose some less formal credit companies.

Those companies will distribute advertisements everywhere, print the advertisements on some small gifts for distribution, print loan advertisements such as "no guarantee, immediate loan" in newspapers, and hire some young and lovely female employees to specialize in Receiving people who need loans, they are polite to them when handling loans, and the procedures are relatively simple. Generally, it is only necessary to confirm the other party’s personal information and family situation, and the overall atmosphere is harmonious and happy. small gift.

In addition, those internal employees of the company may still be doing the work of "salesman" and need to go around to attract customers.

The customer groups they target generally fall into three categories:

First of all, people who spend at racetracks or small pachinko shops.

The salesperson will regularly wander around the racetrack and the small steel ball shop, targeting those who are distressed and worried about losing money, and give priority to those who seem to have a decent job or have a family for loan recommendation.

Middle-aged men like his Maori teacher who seem to have a decent job and a family are the favorite customers of those credit companies.

If it wasn't for his teacher's face that had appeared in newspapers many times, and the illegal credit company was also afraid of the close relationship between famous detectives and the police, his teacher might have received a lot of loan leaflets every time he went to the racetrack or the small steel ball shop. .

And even though Kogoro Mori’s reputation is here, before at the racetrack, there were still female salesmen from credit companies who asked his teacher for a recommendation after hearing his teacher say, “If you lose, the living expenses are gone.” A loan with an annual interest rate of around 29%.

Many of these borrowers are housewives who go to pass the time, but are addicted to that kind of "small gamble" and cannot get out.

These housewives need to think about their families, and they rarely renege on their debts. Even if they have no money, their husbands can still pay the repayments. They are also the priority targets of those people.

The second largest customer group targeted by credit companies is people who are prone to excessive consumption in comparison and instigation of others, such as young boys and girls who are not yet mature enough.

The salesperson will go deep into the vicinity of their residence, work place, leisure and entertainment places they often go to, and even wander in major shopping malls to observe and inquire about young people who need loans, and take the initiative to find them and recommend loans.

The most frightening thing is that some credit companies will tell young people who can’t pay for it for a while—‘Recommend our products to your classmates or friends. If someone takes a loan from us, we can delay your repayment time. '.

Use those young people who are being squeezed to encourage and lure more young people to borrow money.

These young people may not be able to repay the usury, but there are parents who can repay the loan on their behalf.

And the more beautiful the young girl, the higher the loan amount she can get, and she will be forced to join the custom industry if she can't pay the money.

The third type of people that the credit companies are targeting are those who are easy to be fooled into getting loans, such as the elderly who are dizzy by the eloquent talk of the salesman.

Aren't these credit companies worried that these elderly people still don't pay?

People are really not worried, the elderly can also work to earn money to pay off their debts.

And in many cases, these credit companies don't lend much money, sometimes only 10,000 to 20,000 yen, but the interest hidden under various terms is very high.

Japan's "Interest Restriction Law" stipulates that the annual interest rate shall not exceed 20% if the loan is less than 100,000 yen, and the annual interest rate shall not exceed 18% if the loan is between 100,000 yen and 1 million yen. The credit companies under them will generally abide by the regulations, but at the same time, Japan’s "Contribution Law" also mentions that as long as the borrower agrees, it is not illegal to have an annual interest rate of no more than 2%. Many large companies that rely on loans to make money will have an annual interest rate of 29%. %, including the once largest credit company in Japan, and the annual interest rate of loans of many small credit companies will reach 29%, and the annual interest rate of loans of illegal credit companies will even exceed 100%.

As long as some people can be squeezed, it is enough to make up for the loss of other people.

What's more, there are only a very small number of people who default on their debts. Whether they are forced to do so or not, most people will choose to pay back the money and pay high interest.

Those loans are usually in collusion with violent associations and gangsters. If the borrower still doesn't pay the money, it is not those young and lovely female employees who go to the borrower, but some vicious big men.

Those big men would make threatening phone calls, urging the borrowers to pay back the money quickly, and then began to knock on the door to threaten, block the road and humiliate, cut off water and electricity, and visit the door to ask for money and other violent collection methods.

The Japanese police also have the principle of "civil non-intervention". As long as the matter does not meet the standards for filing a criminal case, the police will not be able to control it.

Like this kind of economic dispute between the two parties, one party did not cause any physical harm to the other party, and the police only said a few words to make peace when they arrived.

Some policemen with a strong sense of justice will speak up for those who have been violently collected, but as long as the injury does not meet the criminal standard, the police have no way to arrest the collector.

Some violent collectors will even hit back. If the police speak louder and have a more aggressive attitude, they might get a question like, "You take the tax money we handed in, and you want to use this attitude to solve the problem?" I'm going to complain about your complaint warning.

Even if the violent collection personnel leave temporarily, they can still continue to intimidate another day.

Under such circumstances, some borrowers even think that as long as they and their families are not pestered and harassed, it doesn’t matter if they pay more interest.

Some people have no way to pay the high interest and are forced to have no way out, so they will choose to commit suicide or kill someone.

()