Urban Sims

"Boss, it's the end of the month, and Li Xiaobo hasn't sent the money yet, and I can't get through to him on the phone. What should I do, boss?" said employee Wang Dachao.

"The boss, Noda Saburo from the eighth district in the north of the city, has not repaid the loan this month. He has paid the loan on time in the past two months. I called him and asked him. He said that something happened at home and he needed money urgently. I hope he can get it next month. Return it together."

"Boss, I just took people to look at Sun Siyuan's house. After he sold the house, he ran away with his whole family! Five million credit points, he ran away!" Ye Tiandong, who is in charge of bill collection at the bank, called. road.

"I told you not to do it a long time ago, right? Boss, stop providing loan services and stop it! The loss is still small now, it's still not too late!"

Qian Dalang, the bank manager, stood in front of Zhou Ming and patiently persuaded him.

Zhou Ming leaned on the boss's chair in a comfortable posture and rubbed his temples with his index finger, feeling a little irritable.

The loan service has been launched for more than three months, and a total of 144 loans have been issued, 112 of which were asset-secured and 32 were unsecured loans.

Of these loans, 83 have entered the repayment stage.

But so far, including three cases today, four cases yesterday, and six or seven cases a few days ago, there are a total of 17 loans. Various problems have arisen during the repayment stage.

There are those who cannot be contacted.

Some families moved after selling their assets.

There are all sorts of excuses to delay.

I believe that after a period of time, some people will probably have a tough tone and directly say that they will not pay back the money.

Some people may even say confidently: "Why should I pay back the money I borrowed based on my ability?"

Therefore, Zhou Ming is a little overwhelmed. It has only been a few months and there are not many loans issued. How come it has reached that point?

"Integrity! Integrity! How about everyone being honest? We are all civilized people. How bad is it for everyone to use knives and guns?"

Zhou Ming understands the loan sharks in his world. If the country advocates the establishment of an honest society, they will definitely be the first to support it with both hands and feet. Integrity is really too important. If everyone does not talk about integrity, they will really It’s time to drink the northwest wind.

However, Zhou Ming is still a person with a little bit of conscience and integrity. The interest rate for the loans he lends is far from usurious. It is only 5% for half a year and 10% for a year. There is no interest compounding system. The loan customers need to The interest repaid is about 10% of the principal. The more principal is repaid, the less additional interest will be paid.

In addition, Xunjie Bank will also conduct strict screening and asset assessment of customers who come for loans. Those who have no ability to repay will be excluded. Only those who have sufficient asset collateral and the ability to repay will be granted loans. This does not mean that all customers will be loaned. If people just take out loans, they are seeking death.

Even so, even though 144 seemingly high-quality customers were screened out from thousands of loan applicants, the high default rate still surprised Zhou Ming.

The reason for this situation is, on the one hand, related to the selfish and greedy nature of people in this world; on the other hand, the laws of this world have several fatal regulations regarding loans:

1. Any loan with an annual interest rate higher than 2.5% is considered usury and is illegal!

2. When encountering loan sharks, people can refuse to repay without any reason, it is legal!

3. When the court encounters a loan sharking dispute, it will unconditionally side with the borrower and impose severe penalties on the loan shark.

In short, the combined meaning of these articles is one sentence: lending is illegal and defaulting on debt is not guilty!

Such a simple and crude law will almost push all forms of loan sharking to a dead end and drive them to extinction.

Zhou Ming certainly understands the starting point of this approach. After all, advanced consumption is an overdraft of the future and resources. Regardless of usury or low-interest loans, once they become widespread, society will be polarized, chaotic, hedonized in advance, and resources will be depleted. The phenomenon of overdraft will definitely corrode a healthy and stable social organism, making it full of holes and ugly.

You can overdraw in the future, and you will pay it back sooner or later in the future.

But Zhou Ming takes care of so much!

Paying back debts is a matter of course!

If you don't pay back the money, you can give me a warning, a stern warning, but the warning is ineffective. I will take away your property and your life!

…

A week later.

The thug group is officially established!

In fact, as early as more than three months ago, this thug group began to recruit thugs and conduct training.

In the thug group, the origins of most of the thugs are very complicated. They were all promoted from the lower areas to Area 52 through various killing competitions, and now they are all recruited under Zhou Ming's banner.

These thugs are all muscular, ferocious, cunning and cruel, and have vicious hearts. Each of them has harvested at least 3 to 5 human lives in their hands. There may also be a few monsters who have eaten human flesh and drank human flesh. Blood, no bottom line, no evil.

For example, in the thug group, there are a few people who seek death, and their nature is hard to change. They think that since they have come to heaven, they will naturally live a more relaxed and happy life! So if you have a job and you don’t want to do it, don’t say it, and you don’t have the money to spend it. Hey, you have money, hand over the money, and rob? You're right, I'm just robbing! If you don’t get paid, I’ll shoot you to death!

There were two others who couldn't control their sperm. When they saw so many beauties in heaven, no matter whether it was in broad daylight or dark night, they covered their mouths, dragged them into the grass and slapped them. They accidentally used too much force and slapped one of the beauties to death.

These guys who tried to commit suicide successfully, some were killed by the police with guns drawn, and some were arrested and sent to temporary prisons. After all their property was confiscated, they were waiting to be dealt with by the liquidators... During the three-month training period, there were seven thugs in total. To die seeking death.

Zhou Ming ignored them and wouldn't pay half of his money to save them. He recruited thugs and obedient employees! Not a brainless fool or an idiot who can't control his own behavior.

And the "training" he gave these thugs was not muscle training, but introducing them to the rules of Area 52, letting them understand the laws of Area 52, letting them know the situation they were facing, and letting them understand: only by following Boss, only then will they be able to prosper and prosper, and will no longer become the "rats" hated by everyone. On the contrary, they will become the "devils" feared in the eyes of those who mock.

After the first training session, the effect was remarkable. Except for the 7 who succeeded in trying to die, the remaining 22 people all put on handsome and capable uniforms, divided their troops into multiple groups, and officially started working.

…

East of Yaoxing City.

Baowan Town.

Li Xiaobo has been working at Dalin Agricultural Company for more than three months. This agricultural company was just established and has 300 acres of farmland. However, it lacks workers and funds. The salary offered is only 3,000 credit points per month, which is very attractive to job seekers. With little power, it was difficult to recruit people for a while. The boss of the company had to lower the requirements and hired a few workers at a low price of 70,000 credit points.

Li Xiaobo was actually a member of the Pigeon Clan. He had worked as a day laborer for more than ten years. His credit balance had never exceeded 3,000. However, he had a Starry Sky S8 communicator that had passed through an unknown number of hands. This old communication device, almost a hundred years after its factory date, is still working.

So, relying on this communication device, he encountered a once-in-a-lifetime opportunity: there was a stupid company that actually launched a loan service, and he could get loans from there to solve difficult problems.

Coincidentally, he saw the recruitment information of Dalin Agriculture Company on the job trading website.

Here comes your life-changing opportunity!

After receiving the loan and officially starting work, out of the gratitude in his heart, on the 15th of the first two months, after his salary was paid, he would transfer half of his salary to the designated account of Swift Bank.

"A loan of 70,000 yuan and a repayment of 90,000 yuan within four years is obviously a usury and violates the Anti-Usury Law. You don't have to pay it back. If you do, you will be stupid!"

Li Xiaobo was enlightened by his colleague's words. In addition, his monthly salary of 3,000 credit points was already low, and if he lost half of it, he would have to live in a tight financial situation for four years. He is 28 this year, and he still wants to marry a wife.

No more!

Li Xiaobo felt very happy. Not only did he get more than 60,000 credit points in vain, but the salary he saved would soon end his single career.

"Li Xiaobo, someone is looking for you outside."

On this day, Li Xiaobo, who was working in the greenhouse, stopped what he was doing after hearing the shouts from his colleagues. With a suspicious look on his face, he saw the person outside the farm who said he was looking for him: a man in a smart suit. But he was a burly man with a burly figure and a sly smile on his face.

For some reason, Li Xiaobo suddenly felt a little guilty when he saw this man in a suit, but he still had the courage to ask: "Hey! Who are you? What do you want from me?"

"It doesn't matter who I am, the point is that you should pay back the money you owe Swift Bank on time."

The man in the suit said, twisting his neck and making a clicking sound. There were several light scars on his face, showing a ferocious and entangled expression of someone who wanted to crush an ant but had to negotiate politely.

"Don't repay! This is illegal loan sharking. I have the right not to repay. The law is on my side!" Li Xiaobo said confidently.

"No, no, no, what you borrow is not a usurious loan, it is a debt of gratitude that you must repay as much as you borrow. The law stipulates that the debtor must repay non-usury debts. The law protects us creditors."

The man in the suit waved his index finger in front of his face and corrected his statement.

"Impossible. When we took out the loan, you clearly agreed that you would borrow 70,000 yuan and pay back 90,000 yuan. This is usury!"

"Oh, take the contract and see if it says it will repay 70,000 yuan within half a year, or 90,000 yuan in four years?"

Li Xiaobo immediately ran to his room, found the contract, and checked the terms one by one. Sure enough, when he saw the clause that "within six months, the debt of 70,000 yuan will be paid off without any interest," his body was shocked, as if he had been hit hard. Generally, just stand there motionless.

…

It turned out that Zhou Ming had anticipated this before launching the loan service, so he had rigged the contract. All loan agreements, regardless of the interest rate, were written with the words "pay off within half a year without charging any interest." If the customer really If you repay it within half a year, you don’t have to pay the interest that was agreed upon before. But if more than half a year passes, and the other party doesn’t tell you that he hasn’t repaid it, and he still wants to default on the debt, then he will be sued with a court notice. Go bankrupt.

After all, debt is a product that cannot be eliminated in any form of society. Usury can be declared illegal, but what about debt of favor? If it is also declared illegal, that is, "borrowing money without repaying it" is legal, then the so-called justice will also become illegal, which will eventually lead to the moral level of this world being even more collapsed and degraded! This caused endless turmoil.

At present, Zhou Ming has no extravagant expectations at all. He can realize his dream of a sudden increase in wealth by relying on the loan interest. At the very least, he can recover the principal loaned out. As for how much interest can be collected, it depends on the skills of the thugs. .

Therefore, in addition to regretting why he signed the contract without seeing the terms clearly, Li Xiaobo still honestly continued to repay those loans. There will be no pie in the sky, and no one is a philanthropist who will give you money for free.

As for the other dozen defaulting customers, after receiving warnings from the thugs, some of them, like Li Xiaobo, repaid the money honestly.

Some of them started lawsuits with Xunjie Bank in court, but most of them lost the lawsuit and lost their money.

There were also a small group of people who, with their entire family, ran away without a trace, thinking that the people from Swift Bank could not be found. They secretly rejoiced that after Zhou Ming entered the police system of Yaoxing City, the lives of these people Luck and fantasy are all like bubbles in the sun, quickly evaporating and shattering...