"I borrowed one million from Brother Zhang." Wang Lei said frankly: "I want to turn over the book. I don't believe that my luck will continue to decline like this. I used to read "The Legend of the Condor Heroes" and the book Nine Yin Manual

It says at the beginning: The way of heaven is to make up for the excess of losses. I am a poor man! I will definitely be able to change the situation, and I will definitely be able to win back the money I exported."

The photographer next to Zhang Juan couldn't stand listening anymore and muttered in a low voice: "It's weird to have this feeling after watching "The Legend of the Condor Heroes"..."

Hu Pingtao asked noncommittally: "What happened next?"

Wang Lei said with a sad face: "We started playing at 12 noon that day and ended at 6 pm. After dinner, we started the second game at 7:30 and played all night until about 8 o'clock the next morning."

Hu Pingtao asked lightly with a sarcastic tone: "It's almost twenty-four hours in total, can't you stand it any longer?"

Wang Lei shook his head and sighed: "I have no money... I keep losing, and I lost all one million. I emptied my pockets, and they are not willing to play with me."

Hu Pingtao did not hide his sarcastic tone: "You can continue to borrow money! Anyway, this is not the first time you have done this."

Wang Lei turned around and glanced at Zhang Yifeng sitting on the sofa with a guilty conscience, then turned to Hu Pingtao and said: "Brother Zhang is unwilling to borrow... He said... I owe too much, and I must pay back the money."

Give it to him and then we can talk about something else."

"I did the math at the time and added it all up, including what I borrowed and what I lost at the poker table. Brother Zhang helped me pay for it, and the total amount was more than 1.2 million. He returned all the money to

We got together and got a new loan agreement. I saw that there was nothing wrong with it, so I signed it."

"This money is not borrowed in vain. The daily interest alone is as high as tens of thousands. And the interest is compounded and keeps rolling over."

"The amount is too big. I don't dare to tell my dad, so I can only try to borrow money everywhere to plug up the hole here. Because I have many acquaintances in the village, as long as we help each other, I can help Brother Zhang."

I need to smooth out the debt. Otherwise, if the loan sharking continues like this, I won’t be able to bear it for a long time.”

"But when I asked someone to borrow money privately, I realized that it was really difficult. Although Xixi Village was demolished as a whole, each household was assigned a house and received compensation. There is a difference between the demolition before and now.

It's too big. The most valuable thing is the house, and the compensation is small. If you have an emergency, it's not difficult to borrow a few thousand yuan. But if you borrow a lot, like two or thirty thousand yuan, people won't be willing.

Reject directly."

"I begged Brother Zhang to give me some time to raise money, and he agreed to a grace period of three months. Even so, the interest keeps increasing."

"At that time, I didn't understand this algorithm of compound interest at all... I was not interested in mathematics when I was in school. I would get a headache when I saw the numbers. I always thought that I borrowed more than one million from Brother Zhang, plus interest, and it was worth the money.

No more than 1.5 million."

"I hid the truth from my father and searched for all the connections I could find, and collected more than 120,000 yuan. At that time, there was still more than a week before the agreed time, so I found Brother Zhang and took out all the money I had.

I thought that Brother Zhang is a very loyal person and we have a good relationship with each other, so I told me about my difficulties and asked Brother Zhang if he could continue to extend his grace and give me another three months."

Hu Pingtao's eyes twitched when he heard this, and he secretly sighed that this guy's social experience was too little: "He agreed?"

Wang Lei shook his head: "No. What he said was very vague. He asked me to pay back the money as soon as possible, otherwise I would bear all the consequences."

"I didn't care at the time. After all, I have been with Brother Zhang for a long time. We are very familiar with each other. We have eaten and played together. To some extent, we can be regarded as close friends. Everyone will encounter difficulties, let alone me in the loan contract.

I also signed and pressed my red fingerprint, I recognize the money and I will guarantee compensation!"

"I stopped contacting Brother Zhang after that... I was really scared. In just over a week, I lost more than one million at the poker table. No matter how I thought about it, it felt like a dream."

Zhang Juan was listening and felt that this man was really weird and couldn't help but ask: "Aren't you afraid that you owe so much money? Why don't you tell your father about this?"

Wang Lei said with a sad face: "I dare not say it! With my father's temper, he would definitely beat me to death if he found out. So I can only hold it in and not tell him. I think Brother Zhang will not cause trouble for me. I am still here."

I have found a job outside. As long as I work harder and work conscientiously, I can always pay back the debt I owe."

"But I never thought in my wildest dreams that Brother Zhang would bring someone to your doorstep to demand payment."

"That happened a few years ago... That day, Brother Zhang and six people were knocking on the door outside. When my dad came out, he didn't recognize him, so he asked, "Who are you looking for?" Brother Zhang said my name, and I

Dad thought they were my friends, so he opened the door to let them in. When I came out of the back room and saw it was Brother Zhang, I was frightened. Brother Zhang directly told my dad that I owed him more than one million and asked my dad

When will the money be paid back?”

"My dad didn't believe it at all, so he called the police at that time. When the police came, Brother Zhang took out the loan contract that I signed. The police couldn't do anything after reading it. They said that this matter was not their responsibility and there was nothing they could do.

No matter, let us solve it ourselves."

Hu Pingtao frowned.

He raised his finger and pointed at Wang Lei and asked Wang Gui sideways: "According to what he said, Liao should have handled this matter when he took office. But I have never heard Liao say that. With Liao's character, it is impossible

Just ignore these disputes!"

Wang Gui nodded, with a puzzled look on his face: "I don't understand either, let's wait until we get back and check the information on the computer!"

Hu Pingtao looked at Wang Lei and asked doubtfully: "Please tell me more carefully. How much was the usury when you borrowed money?"

Without waiting for Wang Lei to answer, Zhang Yifeng, who had been sitting on the sofa, suddenly stood up, walked up to him with relaxed steps, and said calmly: "Let me explain this problem! The interest rate is 35%. Interest rate is compounded.

, the kind that keeps turning over and over."

After saying this, Hu Pingtao understood.

No wonder Liao Qiu didn't handle this matter when he was in office, because the police station really couldn't control it and couldn't control it.

The concept of "usury" refers to a loan exceeding 36% of the bank's loan amount during the same period. In other words, as long as it is not higher than this ratio, it does not constitute usury.

This is the official explanation.

After all, rich people are also human beings. In the case of tight money, companies cannot get loans from banks. If they want to survive, they can only get money from other channels to keep the capital chain from breaking. Therefore, private lending in this scope is

protected by law.

No wonder Zhang Yifeng is so confident.

He continued: "I am an honest and law-abiding businessman. Although I engage in leasing and private lending, I have always abided by the law."

Hu Pingtao looked at him: "A thousand yuan minimum bet on mahjong is not a small amount. Your behavior has constituted crowd gambling. Is this what you call law-abiding?"

Gutao

Zhang Yifeng smiled: "I admit that I have played several games of mahjong with Wang Lei, but our games were very small, no more than five yuan at most. If you want to find problems with me in this regard, then I am willing to accept any punishment."

He immediately changed the topic and pointed at the Wang family and his son who were standing opposite: "Don't think that you will be fine if you call the police. It is only natural to pay back debts. The court has already ruled, and you must pay back all the money.

.”

Hu Pingtao frowned again when he heard this: "Why is it suddenly involved in the court again? What's going on?"

Zhang Yifeng explained: "Officer, as soon as you came in, you asked the father and son first, without giving me a chance to speak!"

Hu Pingtao nodded slightly: "Then you say it now!"

Zhang Yifeng turned around and winked at one of his subordinates. The other person nodded knowingly, walked over with a briefcase and handed him a document.

"This is a copy of the loan agreement that Wang Lei asked me to sign at that time." Zhang Yifeng raised the document in his hand and handed it to Hu Pingtao: "There were two loans in total. The first time was 200,000, and the second time was 1 million.

That adds up to 1.2 million."

"This is the bank transfer record at that time."

"There is also this, which is the IOU attached to the contract. It is signed and pledged by Wang Lei himself."

Hu Pingtao took the document and examined it carefully. Zhang Yifeng did not lie.

Zhang Yifeng continued: "If you continue reading, there is a court judgment at the back."

Hu Pingtao scrolled down and found that, as the other party said, there was also a judgment written in it, which was a confirmation of the loan agreement.

Zhang Yifeng took out the cigarettes, opened the cigarette case, and handed it to Hu Pingtao: "Want one?"

Hu Pingtao waved his hand and said calmly: "No smoking during working hours."

Zhang Yifeng took out a lighter and lit it for himself, took a sip, exhaled the smoke, and explained: "I can't help it. In fact, Wang Lei and I have a pretty good relationship. But when it comes to money... the relationship between friends will become...

What should I say, he asked me to borrow money, and since he made this request to wipe his face, I have to give him face!"

"He asked me to borrow it several times, and the amount was quite large. If it was less, a few hundred or a few thousand, I wouldn't take it seriously, and it wouldn't matter if it was given to him for free. But if it exceeds ten thousand, and it's not even ten thousand or twenty thousand,

, the total is more than 100, so I will find a way. After all, I also need to eat!"

Zhang Yifeng turned around and stared at Wang Lei with indifferent eyes: "Tell yourself, did I remind you when you asked me to borrow money?"

Wang Lei has a weak temper. He lowered his head and did not dare to meet Zhang Yifeng's eyes. He answered with a guilty conscience: "...Yes...Yes."

Zhang Yifeng took a deep breath of cigarette, with a look of delay on his face: "When I borrowed the money, you said it nicely, and I would pay it back in a month at most. But what happened later? You kept delaying it for more than half a year, and you couldn't pay it back.

Two hundred thousand, not even a fraction is enough."

Wang Weicheng felt that these words could not be heard. He grabbed Wang Lei's shoulders, pulled him behind him, stood up, glared at Zhang Yifeng, and loudly accused: "You liar, if you hadn't deliberately taken my son to death,

If we were out eating, drinking, and having fun, he would be like this? Would he owe you so much money?"

Zhang Yifeng held a cigarette in his hand, raised his hand and nodded at Wang Weichen: "Don't talk nonsense. Your son is not young anymore. He is in his twenties and is already an adult. Whatever he does, he can do it by himself.

You should be responsible for yourself. Is it not illegal for everyone to eat and drink together? What's wrong with playing together? What does it mean that I deliberately take him to eat, drink and have fun? Everyone has their own life. I like to make friends, what's wrong with this? He doesn't do it himself

The money still has to come with me, it’s his problem, okay?”

Wang Weichen stared at Zhang Yifeng with red eyes, furious: "You deliberately led him to gamble. My son has never played mahjong before, and he was led astray by you."

Zhang Yifeng sneered: "What are you talking about? Did I use a knife to force him to play mahjong? Or did I use a whip to force him to do this? There is no national law prohibiting this, and we didn't play too much when we first started.

Big, it’s only five yuan, your son himself said it should be bigger.”

With that said, Zhang Yifeng raised his finger and pointed at Wang Lei, who had his head lowered: "If you don't believe it, let him speak for himself."

Wang Weichen pursed his lips tightly, clenched his hands into fists, and glared at Zhang Yifeng, too angry to say a word.
To be continued...