Rebirth of the Super Banking System

Sun Chao drove back to the People's Hospital in a trance. The experience of just one afternoon today made him feel like he was dreaming.

All kinds of unexpected events were played back repeatedly in his mind. Buying a car was despised, Xu Xiangdong, the scumbag, and the witty Dou Jiao, he still had a job, Tang Qing’s loan business, and Tang Qing’s company. There was that group of terrifying women, beautiful Qi Yan. The amount of information he received on this day made his tough nerves a little confused. The people and things in it were something he had never experienced before. It was just this afternoon. I have seen it all once, and the impact on him can be imagined.

When he arrived at the hospital parking lot, Sun Chao didn't get out of the car directly, but sat in the car and fell into thinking. This will be a whole new life waiting for him, making him wonder how to face it for a while.

For ten minutes, after ten minutes of sitting in the car, he still hadn't sorted out, and he felt agitated.

At this time, Sun Chao suddenly remembered the words of his most admired instructor in the army, "A man must stand upright, no matter whether he is right or wrong, as long as he does not betray the country and the people, then do what you think is right."

"Snapped..."

Sun Chao slapped the steering wheel.

Do it, hesitate so much what to do, people are dead and birds are in the sky, afraid of a ghost.

Although there are too many doubts in my heart, but since I am determined to follow Tang Qing, there is nothing to think about, even if it breaks the law, since I owe Tang Qing and others can think of myself, what else is there to say, as long as it is not Against the country and the people, he will do it without hesitation.

Sun Chao, who was relieved, returned to his mother's ward with some fruits in his hand. These were the most expensive ones Tang Qing bought on the road before.

"Chao'er, what are you buying fruit for? It's a waste of money." The grandmother saw her son come in and her face suddenly smiled, but when she saw the large bags of fruit in Sun Chao's hand, she felt a little bit lamented. She knew that her son was carrying a huge debt. Yes, seeing her son buying something for herself, she would think of it unconsciously. Although she was touched, in her opinion, if she could save something, she would save a little. Let her son pay off the money as soon as possible, or she would owe so much money to her daughter-in-law. It's hard to get. In her opinion, it is because of her own old mother who is dragged down by her son, and no one wants to marry her son.

"Mother, I didn't buy this, but the one who paid you." Sun Chao laughed. Tang Qing bought a lot of fruit on the roadside before, and he thought Tang Qing bought it for his uncle's house. Yes, but when he left, he knew that he bought it for his mother. Because of the too much he bought, it was only less than one-third of the items that he brought up. There was still a lot in the trunk.

Tang Qing is also rich now, and he doesn’t have a count of what he buys. Anyway, he just installs what he thinks is good. If it’s not for fear of putting it out, he wants to fill the trunk. After all, even if it is full, it can be up to thousands. Now for Tang Qing , Spending this little money is really no different from spending one hundred yuan.

"Well, Chao'er, this time I really owe a lot of love to others. It's all bad for your mother. If you owe so much money to others, your mother is dragging you down." The grandmother couldn't help crying as she said.

"No, you gave birth to me and raised me. This is a great kindness. No matter how much money I owe for you, I am willing." Sun Chao hurriedly took out the paper and wiped his mother's tears. Now his mother has just finished the operation and still can't Get out of bed, sit up and fly hard.

Seeing his mother cry, he couldn't help but jealous.

"Super Er, sit down, what did the boss tell you to do just now?" Grandmother also stopped her emotions and said.

"He introduced me to a job and acted as a driver for him. He will go through the entry procedures tomorrow. I even drove the car back and parked outside the hospital." Sun Chao did not dare to say his identity as a bodyguard. He was afraid his mother would worry about his safety. When the time comes, my mother will definitely feel more guilty if she thinks about doing such a dangerous thing as a bodyguard. This mood is not conducive to physical recovery.

When the grandson heard that her son had a job, she said happily: "That's it, that's good, you must work hard, don't half-hearted, you know, we don't force wages, after all, you owe so much money to others. Just be able to feed yourself."

"Yes, I see. I will rent a house near the company to take care of you." Sun Chao agreed.

"Where do I need your care? When I get better, I won't be unable to walk anymore. When the time comes, I will find an easy way to earn some money. I have also asked the doctor. The doctor said that there will be no problems except for heavy work in the future. "The grandmother said, she didn't want her son to bear the debt alone, she also wanted to pay off the money early and give her son Zhang Luo a daughter-in-law.

"No, you have been tired all your life, so you should take a good rest. I will make money. Although he didn't say how much his salary is, he will never treat me badly because of his character." Sun Chao said, although he didn't know what Tang Qing said before How much is the treatment of the deputy head of the security department, but it shouldn’t be low. When that happens, it’s good to leave only a little for himself and his mother.

"Well, you must repay them well, our grandson family has never seen a white-eyed wolf." Grandmother nodded and said.

"I see, mother, come, I'll peel an apple for you, the doctor said..."

. . . . . .

the next day

Tang Qing received a call from Dou Jiao on the way to school and it was done.

With Tang Qing’s previous guidance, after a whole night of consideration, Dou Jiao had completely made Xu Xiangdong a mental patient. So the more he thought about it, the more afraid he became, and the more he thought about it, the more fearful he became. Finally, he decided to resign the next day and stay away from this. 'Mental illness', she didn't want to stay at this car dealer for a moment, for fear that Xu Xiangdong had a sudden onset of psychosis.

Although it’s a bit sloppy and ill-considered to take refuge in Tang Qing, who is only one-sided, but I don’t know why, her instinct tells her that Tang Qing is not a bad person, and she can only attribute this inexplicable trust to her being an only child. There is a younger brother's mentality. She knew it was not love, after all, she was no longer a child, and she could still tell it. Besides, I am not a vegetarian, and there are not many who dare to lie to myself in Qingyan City.

After hanging up the phone, Tang Qing couldn't help but laugh, thinking that Xu Xiangdong was'being' mentally ill, he felt a lot of fun, and finally took a sigh of relief. Xu Xiangdong's'chic''strike' at the beginning made him dissatisfied, and now Dou Jiao is Preconceived, even Xu Xiangdong is not mentally ill.

Regarding Dou Jiao, Tang Qing didn't specifically ask her to do her own loan management, or that loan management is only a very small part of the content.

The company Dou Jiao established is just the embryonic form of the future asset management company. Its main role is not to supervise other companies, but to provide information consultation and handle some chores. For example, if he wants to involve an unfamiliar industry, then the whole Who will do the mess of industry investigations, preliminary preparations, and personnel recruitment, of course it can't be him. He doesn't have the time.

For another example, if he wants to raise funds or want to investigate detailed economic data of a certain country, who will do it? This company will also do it. To put it bluntly, the main business of this company is to serve him, and loan management is just a miscellaneous business at present.

And now there is no need for the scale of this company. The business of this company in the early stage was mainly commercial information survey. Although the country has not opened up the industry too much at this time, everyone is doing it, and the boundaries are really blurred. In addition, it is not open for business, so he is not afraid.

At noon, Dou Jiao came to the Baiwei Restaurant as scheduled. Tang Qing also waited in the box early. This time, in order to familiarize Dou Jiao with the business, he took leave for the last class.

"Yes, this is our goal at noon today, and it is also one of your future work content." Tang Qing handed over the prepared blank contract. Although it was blank, it was only missing a little customer information and so on. The terms are all printed.

As soon as Dou Jiao read the title of the loan contract on the first page, she looked at Tang Qing angrily and said, "You, you are actually lending? It's not a loan shark, I won't do this job."

"Take a closer look at the content, my sister Jiaojiao, what kind of profit is high?" Tang Qing smiled bitterly.

Dou Jiao didn't say anything when she heard it, and turned her head over the specific content of the contract.

"The interest rate of 1% per month is very low. At this point, you still make money for ass, that is, the liquidated damages are higher. You don't just want to make money from the other party's breach of contract, do you?" Get used to the contract. Dou Jiao watched the contract in three minutes, closed the contract and asked Tang Qing suspiciously that she looked deeper than Sun Chao and saw some hidden conditions in the contract.

"I... That's the way..." Tang Qing was speechless, I'm a good person, okay, and immediately explained what Sun Chao said.

"Well, if I know that you are lending usury, I will resign immediately." Dou Jiao said in a thoughtful manner. As long as she didn't lend usury and had the money to take it, she also thought it was a good job.

"Yes, I want to lend usury, you can call the police." Tang Qing promised, patting his chest.

"Cut, you treat me as ignorant of the law, loan sharking and not breaking the law, what's the use of calling the police." Dou Jiao glanced at Tang Qing contemptuously. Does that look like you think I'm law-blind?

"Uh, hehe, that's true." Tang Qing rubbed his nose and smirked.

This is true.

Our country does not have the crime of usury ~www.wuxiaspot.com~ Loan usury is not against the law. It can only be said that surrounding behaviors may be illegal, such as violent collection, illegal detention, secondary lending of state loans, and illegal fund-raising. Illegal.

But as long as the money is your own, not borrowed from a bank, or illegally raised funds, then it is not illegal to set the interest rate as high as you want, and it is an economic dispute that even the police will not manage, just like later generations. As long as there is no personal injury or mental devastation, the police will record a written confession at most and then let you go, negotiate by yourself or go to the court to solve it. Even if you go to the court, you will be able to get back at least the principal and 2% a year. Fourteen interest.

The state stipulates that the annual interest rate is higher than 36% is a usury, and the interest lower than or equal to 24% is the interest supported by the state law, and the interest between 24 and 36 is a natural debt. The meaning of interest in this range is that if you have already paid this part of the interest, the court will not support you to come back, but if you have not paid, the court will not help others ask you what you want.

Generally speaking, usury is not illegal in our country. Even if you report it to the Supreme Court, you have to repay at least the principal and at least 24% of the interest. Is impossible.

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