Chapter 400 Micro Loans
Zhong Xiaoai acted very decisively. She blocked Lu Tao's bank card the next day and only left him a salary card with only one month's salary in it.
Zhong Xiaoai’s purpose is very clear, which is to force Lu Tao to commit corruption.
She knew that Lu Tao and she were used to spending lavishly, and once they lost the support of the Zhong family, they would not be able to adapt to the life of ordinary people for a while.
The huge gap between his life before and after, coupled with the various temptations faced by local officials, Lu Tao will sooner or later embark on the road of corruption from which there is no return.
By then, she could personally take action and take down Lu Tao without mercy, successfully performing a wonderful drama of sacrificing one's own relatives for the sake of justice and being ruthless and impartial.
Speaking of love, Zhong Xiaoai may not love Lu Tao very much, but she cannot accept being betrayed.
After freezing the bank card, Zhong Xiaoai sent Lu Tao a simple message: "Lu Tao, I am very disappointed in you. I don't want to see you for the time being. You should go to Lincheng first!"
After receiving the text message, Lu Tao was full of suspicion and had no idea what Zhong Xiaoai was trying to do.
Before he had time to think, he received a call from the Organization Department of the Provincial Party Committee, informing him that he was officially appointed as the deputy mayor of Lincheng City.
Only then did he understand what Zhong Xiaoai meant. His anti-corruption bureau chief was gone.
Lu Tao then tentatively sent a message to Zhong Xiaoai to apologize, but he didn't expect that he was blocked directly.
He knew that he was in trouble this time, so he could only go to Lincheng to take up the post first, and then find a chance to apologize and ask for Zhong Xiaoai's forgiveness.
Upon learning that Lu Tao had been transferred from the Anti-Corruption Bureau, Zhao Ruilong and others opened champagne to celebrate.
What they could not have expected was that after Lu Tao left, an even more terrifying Zhong Xiaoai came, a woman full of hatred. Zhao Ruilong and others were in trouble.
On the other hand, Bai Zhiming's case is about to come to an end.
With Bai Zhiming's cooperation, both the bribers and the bribe-takers were quickly arrested and brought to justice.
One thing here caught the attention of Qi Tongwei and others, that is, micro loans.
Qi Tongwei believes that online loans are not a bad idea. In case of an emergency and the bank is unable to approve the application for a while, online loans can be used as a short-term emergency measure and can also be a supplement.
However, the interest rate of online loans cannot be too high, and at least it must be within the legal range.
However, the interest rates set by some of today's online loan platforms are simply outrageous, almost comparable to traditional usury!
"The monthly interest rate is 5%. That is to say, if you borrow 10,000 yuan, you have to pay 500 yuan in interest in just one month. That means 6,000 yuan a year!
This is much higher than the interest rate of ordinary usury!" Qi Tongwei said with emotion while frowning as he flipped through the information in his hand.
In his previous life, when Qi Tongwei was the director, online lending had not yet reached its peak. In addition, he had to devote all his energy to dealing with the investigation from Hou Liangping, and had no time to devote to solving the problem of online lending.
Therefore, he is not very familiar with online loans.
"Secretary Qi, according to our investigation and understanding, these online loan platforms have made a lot of detailed classifications in order to attract more customers.
For example, campus loans for students and beauty loans for women who love beauty all have extremely high interest rates.
Many college students who have just entered the university campus, due to their inexperience, find it difficult to resist various consumer temptations, and eventually fall into the trap of online loans and are trapped. "Ji Changming reported with a serious expression.
"In addition to various online lending platforms, there are also many offline micro-loan companies involved. The interest rates of these micro-loan companies are higher than those online, and some even reach 1 cent!" Lu Yike added.
"One cent?" Qi Tongwei asked in surprise.
"Well, when we went to investigate Bai Zhiping's microfinance company this time, we received a report that the loan interest was only 0.1 cent per month."
Lu Yike sorted out his thoughts and continued, "In Luzhou City, there is a businessman named Liu Lin. In March last year, he ran into trouble with his capital chain, which caused him to run into financial difficulties.
So he went to the bank, hoping to get a loan.
Liu Lin and his company have good credit and corresponding collateral, but they just can't get a loan.
For this purpose, he approached several banks, but they all refused to give him loans due to his poor credit. Later, Wang Wenwei, the vice president of Handong Rural Commercial Bank in charge of credit business, introduced him to Yan Jiacheng.
After negotiation between the two parties, Liu Lin borrowed 8000 million yuan from Yan Jiacheng Microfinance Company with a monthly interest rate of 1 cent, which means the interest for one month is 800 million yuan.
At that time, Wang Wenwei promised that Handong Rural Commercial Bank would give him a mortgage loan in just one month.
Liu Lin had no choice but to sign the loan contract.
Unexpectedly, this seemingly temporary expedient made him sink deeper and deeper into the quagmire and unable to extricate himself. This contract turned out to be a trap set by Yan Jiacheng.
Moreover, after the loan expired in January, Wang Wenwei avoided Liu Lin, and all banks, including the Rural Commercial Bank, refused to lend him money on the grounds that he had borrowed money at high interest rates.
With no other choice, Liu Lin could only sell the fixed assets under his name, but Yan Jiacheng hid himself at this time and did not show up until a year later to ask Liu Lin for money.
At this time, the annual interest had reached 9600 million yuan, plus the principal, Liu Lin needed to pay Yan Jiacheng 1.76 million yuan.
Naturally, Liu Lin would not bear such high interest and was only willing to pay the originally agreed interest of 800 million per month.
To this end, Yan Jiacheng directly used violence to collect the debts, making Liu Lin's company unable to operate.
Forced into a corner, Liu Lin chose to report the case to the police for help, but the response he received was that this was a debt dispute and he needed to go to court to resolve it.
When Liu Lin took the matter to court, the final verdict was that Liu Lin lost the case.
To date, Yan Jiacheng has forcibly changed the ownership of the two buildings owned by Liu Lin.
According to Liu Lin, he had made real-name reports to higher authorities many times, but each time his reports fell on deaf ears and no response was given.
After listening to Lu Yike's detailed and comprehensive report, Qi Tongwei couldn't help but frown.
In his opinion, Yan Jiacheng's behavior was undoubtedly naked robbery. With a principal of 8000 million, the annual interest was as high as 9600 million. This was not doing business but robbery.
And based on his experience, Yan Jiacheng has formed a chain of interests with banks, public security, courts and other departments.
It is obvious that the reason why Liu Lin could not get a loan from the bank was Yan Jiacheng's doing. He had been targeting Liu Lin from the very beginning, and their influence was not small, otherwise Liu Lin's report would not have disappeared without a trace.
"This is a typical case of evil forces using protective umbrellas to rob and gamble. This kind of behavior must be cracked down on. We must never allow such people to exist, which will affect Handong's development and the people's sense of security." Qi Tongwei said firmly.
However, this incident involves people from society, so the procuratorate alone is not enough and the public security needs to intervene.
Thinking of this, Qi Tongwei instructed his secretary Liu Zhaoming to notify Qian Huimin and Hou Liangping to come to his office.
When they heard that it was Qi Tongwei who was looking for them, the two did not dare to delay and came quickly.
Qi Tongwei interrupted the two people's greetings and said directly: "Comrade Lu Yike, please tell us the situation so that Comrade Huimin and Comrade Liangping can also listen."
"Okay, Secretary Qi." Lu Yike nodded and began to talk about online loans and how Yan Jiacheng used micro-loan companies to rob people.