Chapter 1270

I didn't expect the later development, but there was no accident at the end.

It can only be said that today's outlaws have all kinds of criminal means, which only ordinary people can't think of and there is nothing they can't do.

One after another, he called the boy thousands of yuan by transfer. As soon as he was about to graduate, the relationship between the two sides had come to an end. He had been transparent about what his name was and where he lived (of course, I can be sure that the social elder brother gave false information). Besides, the emotional frustration of the male students, the direction of going to graduate school, the situation of the tutor, and the simple social relationship All this is revealed to each other in casual chat.

Finally one day, behind the scenes began to enter the formal layout.

The elder brother told the boy that there was something wrong with his business and he didn't have much extra money to lend to his brother. He was very enthusiastic and introduced a friend to him.

It's just that the elder brother said that his friend is in the online micro loan business, and they have plenty of money, but it's impossible not to charge any interest at all.

However, since we are all friends, let's make it a little more symbolic. The boy calculated it, and the total handling charge and interest mentioned by the other party is less than 3% of the annual interest - which is even lower than the interest of money deposited in the bank.

After trying to borrow money several times, the male students found that the other side really obeyed the rules. They wanted the service charge and interest. It was not ambiguous, but they never wanted more. If you borrow ten thousand yuan at a time and calculate according to the annual interest rate of three percent, when you return it to the other party in three months, it's just a matter of paying back dozens of yuan more!

In this way, step by step by the other side to pull into the water, forming a psychological dependence, male students began to spend money lavishly, high-end clothes, jewelry, the most advanced electronic products, go out to eat when they always take the initiative to treat, throw a lot of money, anyway, no money to borrow from others, and the other side always readily promised never to delay

At the end of the second semester of graduate school, the other party suddenly sent a message to the boy, telling him that for more than a year, the boy had borrowed more than 150000 yuan from the other party, and now he had a big business to make money, and the cash on hand couldn't flow, so he needed to pay back the money immediately.

The boy is so stupid. He never thought that he had borrowed so much money in more than a year. Even though there was not much service charge and interest, he took out more than 150000 yuan at a time, which is astronomical for a student like him who has not yet taken part in the work.

If you ask your family for money, not to mention the parents who are not well-off, it is very difficult for them to raise their debts. Even if they go to borrow money everywhere and ask him why they owe money, he can't open his mouth.

Can it be said that it is for the sake of living extravagantly, pretending to be forced and vanity?

Don't open your mouth

In the end, he couldn't help it. The boy went to the elder brother again and begged him to tell his friend that he really didn't have any money to pay back now. After two years of graduate school, he would work hard to make money and pay back as soon as possible.

But this time, the elder brother's attitude was very cold, even said that it was natural for him to pay off his debts. He was just friends with others, and his face was not so big. He also said that the other side is very powerful. Let the male students try to pay back the money as soon as possible. Otherwise, they may come to the door with someone. At that time, they will have to ruin him!

This boy hairy, he began to reflect, is not their own into the so-called network lending trap?

But It doesn't seem like it!

For example, the three most obvious characteristics of online lending do not conform to his situation:

1, high interest rate, some crazy usury, and even can achieve annual interest rate of 100% or monthly interest rate of 20%! How much money does the other party give him? If they buy a break even financial product, the income will be far greater than the total amount of service charge and interest.

2. Timeliness. Generally, the period of illegal online lending is very short, and creditors will worry about long nights and dreams. For the purpose of turnover, they often borrow money for a few days, more than ten days, or at most a few months. There are few cases where the period of illegal online lending exceeds one year.

3. Pledge credentials. Except for living expenses and occasional odd jobs, most students do not have stable and rich sources of income. Therefore, online creditors will ask the borrower to provide pledge credentials. The most typical one is naked loan with ID card.

However, the situation of boys is different. Let alone taking photos with ID card, they didn't even ask him to sign the IOU or other loan agreement. From this point of view, the other party is really benevolent and spare no effort to help him.

…

After thinking about it, the male students finally decided that the other side had no malice, and they were so familiar with each other, he could not see who was good and who was bad?

That is, people are really in trouble, waiting for money.

As a result, like ants on a hot pot, the boy was in a panic.

He regretted it, not because of his extravagant values and world outlook, but because he felt that he was too careless. Why did he borrow money to receive it from the society?

If the other party is just an ordinary person, then he can play to depend on not to give, wait until after a few years of money, in a good mood to say

These psychological changes are shown in front of the students of Jiaotong University in Ren Xiaoyao's story. Hearing this, the report hall is in an uproar!Many students are criticizing the boy, saying that people are kind-hearted to help him, but in the end, he is so good that he even thinks about not paying back his debts. This kind of person deserves to die

Some people say that there must be something hateful about the poor man. If it were not for his greed, he would not have come to this step

I listened to the buzzing around me, nodding and shaking my head, which was funny.

These college students are still too young. Although I haven't graduated for a long time, I have experienced a lot of things in the past six months. The dangerous situation I encounter is likely that most people will not encounter in their lifetime. In addition, I study psychology, so I have a far-reaching view than ordinary peers or younger generation.

In my opinion, there must be something wrong with this!

After all, if he's not obsessed with online games, or if he plays games in a limited way, and he doesn't envy each other's extravagant life because he hears that some people in the community team brag about it, then nothing will happen.

But he was obviously trapped by others, because there are many doubts about the social elder brother's behavior. The simplest thing is that he came to find a male classmate on a business trip. But according to the boy's later recollection, the elder brother took him around for most of the day in a few days' business trip

So, should this be the behavior of a person who has to travel far away because of his official business?

Gently tapping the desk in front of the book, I can't help thinking, what's the purpose of the other party?