Chapter 97 Is Usury Illegal?

Sun Chao drove back to the People's Hospital, feeling a little dazed. Today's experience in just one afternoon made him feel like he was dreaming.

All sorts of sudden events replayed and replayed in his mind over and over again. Buying a car was despised, the scumbag Xu Xiangdong, the witty and funny Dou Jiao still had a job, and Tang Qing's loan business, as well as Tang Qing's company, also There are those terrifying women, the beautiful Qi Yan, the information received on this day is so huge that his tenacious nerves are a little confused. The people and things in it are something he has never experienced before, just such an afternoon. After seeing them all, the impact on him can be imagined.

When he arrived at the hospital parking lot, Sun Chao didn't get out of the car directly, but sat in the car and fell into thinking, this will be a whole new life waiting for him, making him not know how to face it for a while.

Ten minutes later, after sitting in the car for ten minutes, he still hadn't sorted it out, and he felt agitated for a while.

At this time, Sun Chao suddenly remembered the words of his most admired instructor in the army, "A man must stand upright, no matter right or wrong, as long as he does not betray the country and the people, then do what you think is right."

"Snapped..."

Sun Chao slapped the steering wheel with a slap.

After doing it, hesitating so much about what to do, people are dead and birds are facing the sky, and I am afraid of a ghost.

Although there are too many doubts in my heart, but since I have made up my mind to follow Tang Qing, there is nothing to think about, even if I break the law, since I owe Tang Qing, and people look up to me, then there is nothing to say, as long as it is not Against the country and the people, he will do it without hesitation.

Sun Chao, who untied the knot, returned to his mother's ward with some fruits in his hand. These were the most expensive ones Tang Qing bought on the road before.

"Chao'er, what are you buying fruit for? It's a waste of money." The grandmother smiled when she saw her son coming in, but she felt a little sad when she saw the big bags of fruit in Sun Chao's hand. She knew that her son was carrying a huge debt. Yes, when she sees her son buying something for her, she unconsciously thinks of it. Although she is moved, she can save a little bit and let her son pay off the money one day earlier, otherwise she will owe so much money to her daughter-in-law. It's hard to get it. In her opinion, this is because her old mother is dragged down, so that her son bears such a heavy burden, and no one wants to marry her son.

"Mother, I didn't buy this, it was the one who paid for it." Sun Chao said with a smile, Tang Qing bought a lot of fruit on the side of the road before, he thought Tang Qing bought it for his uncle's house Yes, but he didn't know that he bought it for his mother until he left. Since he bought too much, he has only mentioned less than one-third of them, and there are still a lot of them in the trunk.

Tang Qing is also wealthy now, and he doesn't have a count of what he buys. Anyway, he can pack whatever he likes. If it wasn't for fear of breaking it, he would want to fill the trunk. , spending this kind of money is really no different from spending a hundred yuan.

"That's it, Chao'er, this time I really owe someone a lot of love. It's all my mother's fault. It's my mother who drags you down for making you owe so much money." Grandmother couldn't help crying as she spoke.

"No, you gave birth to me and raised me. This is a great kindness. I am willing to owe more money for you." Sun Chao hurriedly took out a piece of paper to wipe his mother's tears. Get out of bed, sit up and fly hard.

Seeing his mother cry, Rao's heart was firm and he couldn't help but blush.

"Chao'er, sit down, what did the boss tell you to do just now?" Grandma also stopped her emotions and said.

"He introduced me to a job and became a driver for him. I will go through the induction procedures tomorrow. I even drove the car back and parked outside the hospital." Sun Chao dared not say the identity of the bodyguard, he was afraid that his mother would worry about his own safety. , When the time comes, her mother will definitely feel more guilty when she thinks about the dangerous thing she is doing as a bodyguard. This kind of mood is not conducive to the recovery of the body.

When the grandmother heard that her son had a job, she said happily: "That's it, that's good, you must work hard, don't be half-hearted, you know, we don't force wages, after all, you owe so much money, you Just feed yourself.”

"Yes, I see. I will rent a house near the company to take care of you." Sun Chao agreed.

"Where do I need your care? It's not like I can't walk anymore when I'm sick. I'll find an easy way to earn some money. I've also asked the doctor. The doctor said that I can't do heavy work in the future. "The grandmother said that she didn't want her son to bear the debt alone, and she also wanted to pay off the money as soon as possible to give her son a daughter-in-law.

"No, you've been tired all your life, so you should have a good rest. I'm going to make money. Although he didn't say how much the salary is, he will never treat me badly with his character." Sun Chao said, although he didn't know what Tang Qing said before How much is the salary of the deputy minister of the security department, but it should not be too low, and I will only leave a small amount of living expenses for myself and my mother.

"Well, you must repay others well. Our Sun family has never seen a white-eyed wolf." Grandma nodded and said.

"Got it, mother, come, I'll cut an apple for you, the doctor said..."

. . . . . .

the next day

Tang Qing received a call from Dou Jiao on the way to school, and it was done.

With Tang Qing's previous guidance, after a night of deliberation, Dou Jiao had completely replaced Xu Xiangdong's brain as a mental patient, so the more she thought about it, the more frightened she became, and the more she thought about it, the more frightened she became, and finally decided to resign the next day and stay away from this. 'Psychotic', she didn't want to stay at this car dealer for a moment, for fear that Xu Xiangdong would have a sudden mental illness.

Although it was a bit sloppy and ill-considered to take refuge in Tang Qing, who only had a relationship Have a younger brother mentality. She knew that this was not love. After all, she was no longer a child, so she could still tell the difference. Besides, I'm not a vegetarian either, so few people in Qingyan City dare to deceive themselves.

After hanging up the phone, Tang Qing couldn't help laughing. Thinking about Xu Xiangdong's being mentally ill, he felt amused, and finally let out a breath. Xu Xiangdong's 'cool' 'strike' made him dissatisfied, and now Dou Jiao is It is preconceived that Xu Xiangdong is not mentally ill.

For Dou Jiao, Tang Qing didn't specifically ask her to do his own loan management, or that loan management is only a very small part of the content.

The company Dou Jiao set up is just the prototype of the future asset management company. Its main role is not to supervise other companies, but to provide information consultation and handle some chores. For example, if he wants to involve an unfamiliar industry, then the whole Who will do the messy things like industry surveys, preliminary preparations, and personnel recruitment? Of course, it can't be him, and he doesn't have the time.

For example, if he wants to raise funds or want to investigate the detailed economic data of a certain country, then who will do it? It will also be done by this company. To put it bluntly, the main business of this company is to serve him, and loan management is currently only a miscellaneous business.

Moreover, it is not necessary to have a large scale of this company. In the early stage, the business of this company was mainly business information investigation. Although the country has not liberalized the industry too much at this time, everyone is doing it, and the boundaries are a bit blurry. , In addition, it is not open for business, so he is not afraid.

At noon, Dou Jiao came to Baiwei Restaurant as scheduled, and Tang Qing also waited in the box early. This time, in order to let Dou Jiao get acquainted with this business first, he directly asked for leave for the last class.

"Here, this is our purpose at noon today, and it is also one of your future work content." Tang Qing handed over the prepared blank contract. Although it was blank, it was only missing some customer information and so on. The terms are all printed.

As soon as Dou Jiao read the title of the loan contract on the first page, she looked at Tang Qing angrily and said, "You, you are actually lending? It's not a loan shark, right? I'm not doing this job."

"Look carefully at the content, my sister Jiaojiao, what kind of high interest loan is it?" Tang Qing said with a wry smile.

After hearing this, Dou Jiao didn't say anything, and looked down at the specific content of the contract.

"The monthly interest rate of 1% is very low. You still make a lot of money for this interest rate. It is the high liquidated damages. You don't want to rely on the other party's breach of contract to make money, right?" You are used to seeing contracts. Dou Jiao read the contract in just three minutes. After closing the contract, she asked Tang Qing suspiciously. She saw more deeply than Sun Chao and saw some hidden situations in the contract.

"I...it's like this..." Tang Qing was speechless, I'm a good person, and then he explained what he said to Sun Chao.

"Alright then, if I find out that you are lending usury, I will resign immediately." Dou Jiao pondered for a while and said, as long as it is not a usury and has money to take, she also thinks this is a good job.

"Okay, I want to lend usury, you can call the police." Tang Qing patted her chest and assured.

"Che, you think I don't understand the law, and you don't break the law with loan sharks. What's the use of calling the police?" Dou Jiao glanced at Tang Qing with contempt, her eyes seemed to say that you think I'm legally blind?

"Uh, hehe, that's true." Tang Qing rubbed his nose and smiled.

This is true.

Our country does not have the crime of usury, and lending usury is not against the law. It can only be said that surrounding behaviors may be illegal, such as violent collection, illegal detention, secondary lending using state loans, and illegal fundraising.

But as long as the money is your own, not loaned from the bank or raised illegally, then it is not illegal to set the interest rate as high as you like, and this is an economic dispute that even the police will not care about, just like the future As long as there is no personal injury or mental damage, the police will at most record a written statement and then let you go, negotiate on your own or find a solution in the court. Even if you sue the court, you can at least get back the principal and 2% of the year. Fourteen interest.

The state stipulates that if the annual interest rate is higher than 36%, it is a usury loan, and if it is lower than or equal to 24%, it is the interest supported by national laws, and the interest between 24 and 36% is a natural debt. , the interest of this range means that if you have already paid this part of the interest, the court will not support you to ask for it back, but if you have not paid it, the court will not help others to ask you what you want.

Generally speaking, usury itself is not illegal in our country. Even if you go to the Supreme Court, you must at least repay other people's principal and at least 24% of the interest. is not possible.

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