Rebirth of financial migrant workers

Chapter 293

Wang Chunliang has some sympathy for people who make small loans, but not much.

Because they often spend too much money in advance to satisfy their own selfish desires and overdraw their credit.

Even if the interest rates of various small loans are lower than the loan shark standards, the lowest ones are around 15% in recent years.

Even if you think with your toes, you can understand that such a high interest rate is definitely not something you can pay back through normal ways of making money.

Therefore, most people who make small loans are trying to make ends meet by tearing down the east wall to make up for the west wall, so that they can survive for one more day.

When the loan expires and there are no other small loans to fill the hole, these people's first choice is often to walk away.

Those who feel ashamed may simply jump off a building to end their lives and achieve a true 'walk away'.

However, this proportion is very low. Most of them hid in unfamiliar places and left all their debts and debt collectors to their parents, relatives and friends at home.

I believe many of you have experienced debt collection agencies calling you every three days, just to inquire about the whereabouts of someone who has occasionally contacted you once or twice and can barely be considered a friend.

Wang Chunliang also enjoyed this kind of treatment before he was reborn, so he looked down upon people who ran away with small loans.

However, there is another type of situation that is slightly different, and that is students who borrowed campus loans.

Although college students have reached adulthood, they have not yet entered society. It can be said that they have not yet truly broken away from childishness.

The gangsters of campus loans often take advantage of the immaturity of college students to induce them to take the bait, and then let the takers develop new loan students.

Everyone has a herd mentality, let alone college students who live in groups every day. Therefore, when someone takes the lead in setting an unhealthy example, other bystanders are likely to give it a try and step into the field of campus loans. Point of no return.

Students inevitably have no ability to repay, and their entire source of income is the living expenses provided by their families.

How can I afford to repay the ever-increasing campus loans with this little money? In the end, I have to dump the debt on my parents, and some female students with good looks may step into another abyss through physical repayment.

After hearing Wang Chunliang's words, the eldest lady turned to look at the proprietress, with a little worry in her eyes.

At this moment, the other party still kept holding the mobile phone that had already been busy, and tears were flowing down freely.

The Wen Da reporter frowned, pulled the boss wife’s sleeve hard, and said:
"Everyone is missing. Maybe they were detained by a debt collection agency. We can't delay any longer, we have to call the police!"

When she heard the word 'call the police', the landlady trembled all over and shook her head hurriedly:
"You can't call the police. If you call the police, the school will know about it. In this case, you will be expelled. Then my brother will have no way to turn back."

"You really can't call the police."

Wang Chunliang coughed, glanced at Wen Chuxin, and continued, "What are you calling the police for? Is he missing? The boss's brother is over 18 years old and must be missing for at least 48 hours before the police can file a case."

Without waiting for the reporter to refute, Wang Chunliang turned to the proprietress again. He first comforted patiently:

"Your brother disappeared in the morning, and the debt collector just called you and did not threaten your personal freedom to repay the debt. This means that your brother was not detained and he probably ran away on his own.

Students have little money and lack of social experience. Even if they choose to run away, they usually cannot run far.

The top priority is to analyze the most likely whereabouts of your brother, or is it most important to find him first? "

"Yes, yes, find him first."

The landlady wiped away her tears with her left hand, and held Wang Chunliang's arm tightly with her right hand, as if to relieve her uneasiness.

Wang Chunliang took out his arm without leaving any trace and continued to ask the landlady:
"I would like to ask, where are your and your brother's parents now? Will he go to live with them?" "Oh, my parents left early, and this 'happy home' was left by the old couple. "

"Are there any other relatives with whom we have a better relationship?"

The landlady shook her head.

This immediately eliminated two possibilities. Wang Chunliang thought for a moment and analyzed:
"Then let's analyze your brother's motive for taking out a loan. If he borrowed tens of thousands of yuan, there must be something to spend money on. Is he dating a girlfriend?"

"No, definitely not. My brother is very introverted and will blush when he talks to a girl. If we talked about it, there is no way I wouldn't know about it."

"Well, such a potential big spender has been ruled out. So, does he have any hobbies?"

The boss lady blurted out: "Play games!"

Wang Chunliang nodded, and things gradually became more reasonable. There were a few college boys who didn't play games.

And when playing games, there is a high chance of playing online games. Playing online games requires spending money, and it is common to invest tens of thousands of dollars.

I remember that in his previous life, Wang Chunliang once read a report that a certain campus loan lending company cooperated with a certain software company to develop a krypton gold online game, and then launched the game-Lu Xiaodai-for students in colleges and universities. —One-stop service for recharging.

It is not yet known whether the company where the boss's brother Lu loaned money operated in this way, but at least it can be speculated about the most likely destination of the money.

At the same time, Wang Chunliang also made a bold guess about the whereabouts of his younger brother Lu Xiaodai.

"Madam boss, I think you can go to various Internet cafes and look for it."

"cybercafe?"

Wen Chuxin couldn't believe it, "You are about to be forced to come to your home by your creditors, do you still have the heart to play games in an Internet cafe?"

"Instead of running to an unfamiliar place, it's better to stay in the Internet cafe he is most familiar with. As long as he has money, he doesn't have to worry about food, accommodation and sleep, and he doesn't have to worry about being discovered. If the money from small loans is really invested, In an online game, he shouldn't be willing to give up such a precious account. By hiding in the world of online games, he can temporarily say goodbye to the worries in reality."

Wang Chunliang's words were reasonable and well-founded. The proprietress and the reporter nodded in response and got up to go to the Internet cafe near the school to look for the person.

Wen Chuxin explained to the landlady while buttoning her coat:

"Call the classmate in the dormitory opposite and ask him which Internet cafe your brother usually likes to surf the Internet at?"

The landlady immediately made the call according to the other party's suggestion, but the result was disappointing.

The classmates in the opposite dormitory made it clear that today they had gone to several frequently visited Internet cafes around the school to look for people, but they did not see the proprietress's brother.

Wang Chunliang seemed to have expected this result. He finally analyzed:

"At any rate, it's like running away, so I definitely won't go to the Internet cafes I frequent.

Moreover, regular Internet cafes require you to register your ID card. Your brother should be more sensitive to this, so the most likely place for him to hide is in those dark Internet cafes.

Dali and Shuanglang are both tourist areas with small populations, and there should not be many black Internet cafes, so it won't be too troublesome to find them.

Wenda reporter, you have great powers. It shouldn't be too difficult to identify the black Internet cafes in the local area, right? "

(End of this chapter)