Rebirth of financial migrant workers

Chapter 292 The younger brother who made small loans ran away

"Baby, your understanding is wrong. Small loans are also called small consumer loans. They are a type of credit loan and are not equivalent to usury. As long as the interest rate does not exceed four times the benchmark, it is not illegal. In our country, although Loan sharking is illegal. However, loan sharking itself does not constitute a crime as long as it does not involve fraud, coercion or other illegal activities."

Wang Chunliang touched the eldest lady's head and continued, "And now many people or organizations that issue loan sharks are no longer as simple and crude as before. They will package the loan products in various ways to make it look like ordinary people." small loans, so the police’s crackdown on them is very limited.”

At this time, Wen Chuxin also stopped speaking and looked at Wang Chunliang with the landlady.

"The benefits of small loans, which are gradually becoming similar to loan sharks, are huge. People who make money are highly profit-seeking, so more and more people will participate in it. This includes some banks and other financial institutions. I also started to come up with crooked ideas and borrowed and learned some of the methods of loan sharking. Why can you make this money but I can’t?"

The most representative one here is X'an Bank in its previous life. They used their subsidiaries to vigorously develop consumer finance and launched many consumer loan varieties. Several of them borrowed from the most popular loan sharks at the time. When issuing loans, A portion of the 'service fee' will be deducted in advance.

After all, Wen Chuxin is a reporter from the financial channel, so she is no stranger to what Wang Chunliang said. She continued Wang Chunliang's topic and echoed:

"Yes, yes, the small loan business is now developing from a gray area to a black area, and this cannot be achieved without the help of various banks. Last year, I proposed to the station to produce a program to prepare for the current situation. Let’s sort out the consumer loans of various banks and financial institutions and reveal the truth about their various cannibalisms!”

The little assistant standing next to the big reporter with a very low presence pushed up the glasses on the bridge of his nose and added promptly:
"But Sister Wen, your proposal was ruthlessly rejected by the leader."

Wen Chuxin was a little discouraged when she heard this, but soon regained her fighting spirit and looked particularly excited.

The corners of Wang Chunliang's mouth raised slightly, but he didn't realize that the big reporter in front of him was still an out-and-out idealist.

The Imperial Financial Channel is on satellite and is open to the whole country. How could it possibly hold a program and say something that is not conducive to unity?
The financial industry has tasted the benefits of small loans and has just begun the first round of cutting leeks.

No matter where we are now, we have not yet touched the bottom line of supervision.

Then the product of small loans is positive, positive, and can provide more tax revenue for the country.

At least it will have to wait until the second round of larger-scale leek-cutting products - online loans - is launched before regulators will notice the harm and start to make up their minds to rectify the financial market.

"Oh, our topic seems to have gone too far. The core issue now is how to solve the boss's brother's problem."

Wang Chunliang's reminder made the WenDa reporter stop his divergent thinking, sit up slightly and start to rethink the details of his brother's loan.

The proprietress, who had been a little confused after hearing this, was brought back to reality, and a sad look appeared on her face involuntarily.

"Boss Boss, those debt collectors should have told you what company they are, right?"

Facing Wen Chuxin's question, the proprietress closed her eyes, recalled it quickly in her mind, and then shook her head.

The big reporter said "Huh" and asked:
"No, they must have given you a bank account so that you can transfer money to repay the loan for your brother."

The landlady recalled it carefully again and replied:
"Really not, they just asked me to transfer the debt into my brother's bank account and said it would be automatically deducted when the time comes."

Wang Chunliang touched his chin and concluded in conclusion:
"This shows that the other party has signed a withholding agreement with the bank, which means it is a 'regular' financial institution."

"Boss Boss, please open the call history on your mobile phone. I know many people who look up numbers. I want to see which company these people belong to!" Wang Chunliang poured cold water on Wen Chuxin again:
"Usually the collection calls are virtual numbers on the Internet. I guess you, the big reporter, still won't be able to find any information this time."

Wen Chuxin did not believe in evil, so she took the boss's mobile phone and checked the numbers on it, but it was soon confirmed that it was indeed as Wang Chunliang expected, all virtual numbers starting with '170'.

Wang Chunliang kindly reminded again:

"Whether it is a formal bank or an informal small loan institution, the collection business is basically outsourced. In this case, even if the collection behavior is extremely bad, it has nothing to do with the institution itself. And the relevant experience of these outsourced collection teams Rich, it’s hard to catch them.”

"Huh? Why do you know so much about small loan companies? Are you an employee of a certain small loan company?"

"I'm not talented. I just pay more attention to the financial and economic fields and know a little more about the industry than ordinary people."

A major reporter visited Yun Province for the first time and encountered obstacles one after another. After two days of inquiry, he could not even find the main lending entity.

She slumped in the chair, her head a mess.

The glasses assistant next to him continued to touch up the knife and said:
"Sister Wen, our annual leave is about to expire. If there is no progress, we will have to go home."

"The person who tied the bell must untie it. Madam boss, you should contact your brother first and persuade him to confess to us."

After hearing Wang Chunliang's suggestion, the proprietress of Liushenwuzhu nodded repeatedly, picked up her cell phone and dialed her brother's number.

"Sorry, the phone you dialed has been turned off"

Because it was open to the public, the notification sound on the phone clearly reached the ears of everyone present. Everyone's brows were furrowed again, and the boss's wife was even on the verge of tears:
"Why did it turn off again? I'm so anxious."

"Boss Boss, besides mobile phones, do you have other ways to contact me, such as my roommate's phone number or the fixed phone number in my dormitory?"

Upon hearing this, the landlady quickly wiped away her tears and said to herself:
"Oh, yes, yes, their dormitory does not have a landline, but the dormitory opposite does. The number is... I found it!"

This time the call went smoothly. After only three rings, the other party picked up the phone.

"Hey, could you please help me find your opposite Liu Qingqing? I'm his sister."

The other party was silent for a moment, seemed to cover the microphone with his hand, and whispered:

"Sister Liu, this is Liu Hang. Qingqing went out in the morning and didn't attend the afternoon class. He hasn't come back yet. Before you called, my roommate and I couldn't make up our minds. We didn't know what to do. This should not be reported to the instructor”

The eldest lady, who was leaning in Wang Chunliang's arms, rubbed her head against her chin. Wang Chunliang whispered in her ear:

"If nothing else, this brother should have run away."

(End of this chapter)