Chapter 97

Sun Chao drove back to the people's hospital. He was a bit in a trance. Today's experience in a short afternoon made him feel like a dreamer.

All kinds of unexpected events were replayed and replayed in his mind. Car buying was despised, scum Xu Xiangdong, witty Dou Jiao, his own work, loan business of Tang Qing, company of Tang Qing, horrible women, beautiful Qi Yan. The information he received on this day was so great that his tenacious nerves were a little confused. This is the reason why He had never experienced the people and things in it, so I saw them all in this afternoon, and I can imagine the impact on him.

When he arrived at the parking lot of the hospital, Sun Chao didn't get off the car directly, but sat in the car and fell into thinking. This would be a new life waiting for him, so he didn't know how to face it for a while.

Ten minutes, sitting in the car for ten minutes, he still hasn't straightened out, and he's upset.

At this time, Sun Chao suddenly thought of one of his most admired instructors in the Army: "a man should stand up to the sky, whether right or wrong, as long as he does not betray the country and the people, then do what you think is right."

"Pa"

Sun Chao slapped the steering wheel.

Did, hesitated so much to do what, the human dead bird faces the sky, feared a ghost.

Although there are too many doubts in his mind, since he has made up his mind to follow Tang Qing, there is nothing to think about. Even if he violates the law, since he owes it to Tang Qing, people look up to him. There is nothing to say. As long as he is not against the country and the people, he will do it without hesitation.

Sun Chao, who untied his knot, went back to his mother's ward with some fruits in his hand, which Tang Qing had bought on the road before and were the most expensive.

"Chao'er, what are you doing with fruit? It's a waste of money." Seeing her son coming in, sun's mother was very happy and smiling, 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. When she saw his son buying things for herself, she would unconsciously think of it. Although she was moved, she thought that she could save a little and let her son pay off the money one day earlier, otherwise she owed so much money Even the daughter-in-law is hard to get. In her opinion, this is because of her own old mother's drag, which makes her son bear such a heavy burden. No one is willing to marry her son.

"Niang, I didn't buy it, but the one who paid for you." Sun Chao said with a smile, Tang Qing bought a lot of fruit on the roadside. At first, he thought Tang Qing bought it for his uncle's house, but before he left, he knew it was for his mother. Because he bought too much, now he only brought up less than one third of these, and there was a lot in the trunk.

Tang Qing is also rich and powerful now. He doesn't have a count of shopping. He wants to fill the trunk if it looks good. After all, even if it's full, it's thousands at most. Now for Tang Qing, there's no difference between spending this money and spending 100 yuan.

"Well, chao'er, I really owe you a lot of money this time. It's all my mother's fault. It's all my mother's fault that makes you owe so much money." The grandmother couldn't help crying.

"No, you gave birth to me and raised me. That's a great kindness. I'd like to owe more money for you." Sun Chao hurriedly took out the paper to wipe tears for his mother. Now her mother has just finished the operation, but she can't get out of bed, so she has to fly hard to sit up.

When he saw his mother crying, Rao, who had a firm heart, could not help but blush.

"Chao'er, sit down. What did the boss ask you to do just now?" The grandmother also stopped her emotion and said.

"He introduced me to a job as a driver and went to work tomorrow. I drove back and parked outside the hospital." Sun Chao dare not say the identity of bodyguard. He is afraid that his mother is worried about his safety. When his mother thinks about doing such dangerous things as bodyguard, he will feel more guilty. This mood is not conducive to the recovery of the body.

As soon as the grandmother heard that her son had a job, she said happily, "well, that's good. You must work hard. You can't be ambivalent. You know, we don't demand salary. After all, you owe so much money to others, so you can support yourself."

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

"Where do I need you to take care of me? When I'm well, I can't walk. Then I'll find an easy way to earn some money. I asked the doctor. The doctor said that I can't do heavy work in the future. There's nothing wrong with anything else." The grandmother said that she didn't want her son to bear the debt alone. She also wanted to pay off the money early and give her son a daughter-in-law.

"No, you've been tired all your life. You should have a good rest. I'll make money. Although he didn't say how much the salary was, he will never treat me ill with his character." Sun Chao said that although he didn't know what Tang Qing had said about the treatment of the Deputy Minister of security, he thought it would not be too low. At that time, he would only keep a little living expenses for himself and his mother.

"Well, you must repay them well. We grandchildren have never had a white eye wolf." She nodded.

"Yes, ma'am, come on. I'll peel an apple for you. The doctor said

。。。。。。

The next day, Tang Qing received a call from Dou Jiao on his way to school.

With the guidance of Tang Qing, after one night's consideration, Dou Jiao has completely filled Xu Xiangdong's brain into a mental patient, so the more she thinks about it, the more she fears it. Finally, she decides to quit the job the next day and stay away from this "mental illness". She doesn't want to stay in this car shop for a moment, for fear that Xu Xiangdong's mental illness will suddenly break out.

Although it's a bit rash and thoughtless to join Tang Qing, who has only one face relationship, I don't know why. Her intuition tells her that Tang Qing is not a bad person. This inexplicable trust can only be attributed to her mentality of being an only child and wanting to have a younger brother. She knows it's not love. After all, she's not a child. It can be distinguished. Besides, I'm not a vegetarian. There are few people in Qingyan who dare to cheat themselves.

After hanging up the phone, Tang Qing couldn't help laughing. Thinking about Xu Xiangdong's "being" mentally ill, he felt good and funny. At last, he took a breath. Xu Xiangdong's original "smart" stop made him dissatisfied. Now Dou Jiao is preconceived, even if Xu Xiangdong is not mentally ill.

For Dou Jiao, Tang Qing didn't specifically ask her to do her own loan management, or the loan management was only a small part of it.

Dou Jiao's company is the embryonic form of the future asset management company. Its main role is not to supervise other enterprises, but to provide information consultation and deal with some chores. For example, if he wants to involve an unfamiliar industry, then it is impossible for him to do the whole industry investigation, pre preparation and personnel recruitment, He doesn't have the time.

For example, if he wants to finance or investigate the detailed economic data of a certain country, who will do it? This company will also do it. Frankly speaking, the main business of this company is to serve him. At present, loan management is just a miscellaneous business.

And now it's not necessary for the company to have a large scale. In the early stage, the business of the company is mainly business information investigation. Although the country has not opened the industry at this time, everyone is doing it. The boundary is a bit vague. In addition, it is not open to the outside world, so he is not afraid of it.

At noon, Dou Jiao arrived at Baiwei restaurant as scheduled, and Tang Qing also waited in the box early. In order to familiarize Dou Jiao with this business, he asked for leave in the last class.

"Here, that's what we're doing at noon today, and it's also one of your future work." Tang Qing handed over the prepared blank contract. Although it was blank, it just lacked a little customer information and so on. All the terms were printed.

Dou Jiao just looked down at the title of the loan contract on the first page and looked at Tang Qing angrily and said, "you are actually lending? It won't be usury. I won't do the work. "

"Take a closer look at the content, my Jiaojiao sister. What's the high interest rate?" Tang Qing said with a wry smile.

Dou Jiao didn't say anything at all. She looked down and turned over the specific content of the contract.

"The interest rate of 1% per month is very low. You still make a fart of money at this point, which is the high penalty. You don't want to make money by default of the other party, do you?" Dou Jiao, who is used to seeing the contract, finished it in three minutes. She closed the contract and asked Tang Qing suspiciously. She could see deeper than Sun Chao and saw some hidden situations in the contract.

"I... It's like this Tang Qing is speechless. I'm a good man. OK, then I explained what I said to Sun Chao.

"Well, if I knew you were a usurer, I'd quit right away." Dou Jiao thought for a while and said that as long as she didn't make usury and had money to take it, she also thought it was a good job.

"All right, I'm going to lend at a high interest rate. You can call the police." Tang Qing clapped his chest and promised.

"Cut, you think I don't understand the law. It's not against the law to lend money at a high rate. What's the use of the police?" Dou Jiao looks down at Tang Qing. Does that look like you think I'm legal blind?

"Well, ha ha, that's also true." Tang Qing touched his nose and said with a smile.

This is true.

Our country does not have the crime of usury, nor does usury violate the law. We can only say that the surrounding behaviors may be illegal, such as violent collection, illegal detention, secondary lending of state loans and illegal fund-raising.

But as long as the money is your own, not borrowed from the bank or raised illegally, it's not illegal to set the interest rate as high as you can, and it's an economic dispute that even the police can't manage, just like in the future, as long as there is no personal injury or mental destruction, the police can record a confession at most and then let you go, negotiate or find a court to solve it Go, even if you go to court, you can at least get back the principal and 24% interest of a year.

According to the state, if the annual interest rate is higher than 36%, it belongs to usury. If the interest rate is lower than or equal to 24%, it belongs to the interest supported by the state law. If the interest rate is between 24 and 36, it belongs to natural debt. The meaning of this range of interest is that if you have given this part of interest, the court will not support you to come back, but you haven't given it, neither will the court Will help others ask you what you want.

Generally speaking, usury itself is not illegal in our country. Even if you sue the Supreme Court, you must repay at least the principal of others and at least 24% of the interest. It is impossible to say that other people's usury is not paid back on this basis.

PS: brothers, please