Rebirth of financial migrant workers

Chapter 298 The Mission of Investigative Reporters
"Capital interest" refers to the behavior of lenders deducting a portion of the principal as interest in advance when providing a loan in private lending.

This practice results in the borrower actually receiving less principal than the amount agreed in the contract.

According to Article 670 of the Civil Code and the Provisions of the Supreme Court on Several Issues Concerning the Trial of Private Lending Cases, the interest on the loan shall not be deducted from the principal in advance.

Therefore, "head interest" is often packaged in other forms, such as service fees, introduction fees, deposits, etc.

Such fees are not unique to private lending.

Even small loan products issued by formal financial companies will have this kind of service fee.

Even a consumer loan product issued by a subsidiary of a certain bank has similar fees.

It’s just that the current chaos of small loans has not been fully exposed, and it is still very unfamiliar to non-financial practitioners.

After Wang Chunliang explained the concept and characteristics of beheading breath to everyone, Liu Qingqing suddenly realized:
"Yes, yes, every time I borrow money, they always deduct a part of the amount in advance. For example, if I borrow 2000 yuan, they actually lend me only 1600 yuan."

Wen Chuxin quickly recorded the key information one after another. Her face flushed and she said excitedly:

“Every time they lend you money, does it go to your bank account?”

"If the beheading interest is included, Liu Qingqing's loans must be considered loan sharks. Now I finally caught their handle."

Wang Chunliang was unmoved by this. Since lending companies have placed salespeople in schools, there is a high probability that they have also done something about lending. He asked Liu Qingqing:

"But, he doesn't have a loan contract or an IOU, and we don't have the corresponding evidence in our hands."

After a pause, he continued:
"And they are also very cautious in collecting collections. Although they have contacted the proprietress on the phone many times, they have never come to the door to carry out violent or threatening collections. All this reflects their 'professionalism'. There should be experts familiar with financial policies within the organization. Instructing”

The eldest lady who had remained silent suddenly raised her hand and asked weakly:

However, Liu Qingqing’s next answer once again extinguished the dream of a big reporter:

"Yes, that's it."

Wen Chuxin: "Brother Yun that Qingqing mentioned is currently the most key person we know. As long as we find him, we will definitely be able to find out more details."

"Didn't Liu Qingqing have bank account transaction records every time he borrowed money? Let's go to the bank to make a statement!"

"Then each repayment is debited directly from your bank account?"

Liu Qingqing shook his head:
"Every time, after I finish signing the document, Brother Yun goes to the company to get the money back and transfer it to me. The loans are all in cash and do not go through bank accounts."

Wen Chuxin was silent for a moment, then slapped the case and stood up:

Her words poured a glass of cold water on the big reporters.

Wang Chunliang glanced at the stunned Wen Chuxin and concluded:
"They are very smart and lend money in cash without leaving any trace. The repayment amount deducted from the account each time is exactly the same as the amount on the signed loan contract. The entire loan and repayment process is seamless."

"I'm afraid it's impossible to find Brother Yun now. Brother Yun is a senior this year, and his cultural classes have already ended. He went out of town last week. When I borrowed the money for the last time, I asked him where he was going, but he didn't say anything. "

"Then if he leaves, the lending organization will appoint a new intermediary contact person, right?"

Liu Qingqing scratched his head and replied:
"The problem is that after my last loan, the other party stopped letting me renew the loan. I don't know who the new contact person is. By the way, there are several people in our class who also borrowed this 'student loan.' . I can ask them about it." After that, he took out his mobile phone and prepared to call the other party's number, but was stopped by Wen Chuxin.

She frowned and said:

"Don't worry, we have to think of countermeasures. There are many people in the school who are easy to expose, so it's best if you can ask them out of school."

The proprietress who was listening immediately shook her head and refused on behalf of her brother:

"No, although I don't know what your next plan is, my brother is only a sophomore and has to stay in school for more than two years. The loan organization is local, and they will definitely find my brother to seek revenge in the future. "

She lowered her head and thought for a moment, then murmured:
"Otherwise, I'll just repay the 50,000 yuan for my brother this time, and forget it. He'll learn a lesson, and I think he won't dare to touch this kind of small loan again in the future."

Wang Chunliang actually agreed with the boss lady's choice.

A series of behaviors of the lending organization are well disguised on the surface. If you want to find strong evidence, you must go deep into it.

The two siblings alone, even if they add a big reporter, will cause disaster if they are not careful.

At first, I thought the boss's wife would have difficulty repaying the loan, so they got together to help her out.

But since the landlady just said that the money has been borrowed, it is better to spend money to buy peace.

"Sister, who did you ask to borrow that 50,000 yuan? My relatives are all snobby, how could they lend us so much money?"

Facing her brother's question, the landlady's face changed slightly. She hesitated for a long time before answering:
"Our family still has more than 10,000 yuan in savings. The rest is from your second uncle's house."

"Second uncle? Hasn't his family always wanted to covet our 'happy home'? Could it be that you used this as a condition for exchange!"

"I can't help it. This is what my parents left behind, but who can let you."

The landlady sat helplessly on the edge of the bed, tears streaming down her face again.

Wen Chuxin paced around the room. She stared at Liu Qingqing for a long time and suggested:
"In that case, Liu Qingqing, you only need to tell me which classmates have borrowed 'student loans', and I will investigate the rest. They will definitely not know that it is related to you. I will try to make this matter clear before the end of tomorrow. learn!"

"Reporter from Wenda University, I know that you are an investigative reporter and you have a strong desire to investigate this kind of incident. But I still want to give you a friendly reminder that the other party can integrate the game-trust-loan so completely, so it must not be a simple small organization. I fear for your personal safety."

The eldest lady agreed very much with Wang Chunliang's words. She looked at Wen Chuxin and asked:
"Why didn't Sister Wen call the police first?"

Because the victim is currently willing to testify, because the evidence at hand is not complete,

Because this kind of lending organization can develop to such an extent, it will be somewhat related to the local Baidao.

In the memory of the previous life, the umbrella of this organization was quite famous in the local area.

Wang Chunliang touched the eldest lady's head and kept silent about this information.

Wen Chuxin sighed, and then said firmly:
"I have experienced this kind of thing a lot. When there is no definite evidence, calling the police locally is sometimes not the best choice. Therefore, I must be the first to light the fuse, forcing the superiors to conduct a strict investigation. I We know there are dangers, but that’s exactly what we, investigative reporters, are called to do!”

(End of this chapter)