Original title: Deep-set campus is borrowed, benefit rolls benefit to owe 30 much bigger 3 schoolboys are insolvent the mood breaks down
Dark, small Zhang Yi's individual sits in street, do not know what course to follow. The newspaper expects the person offers a plan
On August 20 towards evening, in Nanjing city river peaceful area crosses border of courtyard subway station, one face takes a youth decadently in roadside. The foot issues two dozens of beer, full ground butt. To big 3 students Xiaozhang (alias) for, at the moment the vexed nowhere in the heart untangle, he wants to jump down from the bridge, want to develop a driveway again in the center of by car run down, still abandon one by one finally. Imagine very hard, him what attending a college, had carried all sorts of platform loan amount many yuan 30. The parents that relies on pension life repaid twice for him 160 thousand multivariate. However, the content that does not stop is about to let him hiding the truth from parental loan again, owed again at present 110 thousand multivariate. 21 days are reimbursement deadline, but this, who will return? Violet ox window or door of journalist season house
Genesis
For a mobile phone, he applied for campus to borrow
"Do not have method, I am the sort of person of shabby-genteel have a hell of life. " on August 21 afternoon, journalist is in violet ox police station of new and high garden saw substation of peaceful public security of Nanjing city river Xiaozhang. The policeman tells a reporter, yesterday evening Xiaozhang is drunk much, whole be in in the morning sober up, this meeting just a bit.
Xiaozhang says, the small ad that campus shifts can see everywhere in present school, his trouble, begin from these small advertisement namely. "Schoolboy, compare keen on face-saving. " Xiaozhang says, in October 2015, after terming begins greatly before long, he gives himself purchase mobile phone of an apple IPhone 6 64G, market price case is 6588 yuan. Xiaozhang is called in " interesting in installment " loan applied for on mobile phone APP, the forehead is spent it is 6000 yuan, cent 24 period bought a mobile phone. "Interesting in installment " it is mobile phone APP, belong to a net to borrow platform, to every months of living cost for him 2000 yuan, the month returns hundreds of yuan, the feeling is very relaxed.
Xiaozhang's content is about to begin to expand slowly. In November 2015, he borrows platform through the net " love learns to borrow " the specified amount that applied 8000 yuan is spent, borrow platform in the net again " in installment happy " applied for 10400 yuan. Pieces right now small, became in classmate eye " big money " , 5000 multivariate family movie theaters, 2000 multivariate acoustics, by him one by one " take " . The mobile phone that gives newly every time, small Zhang Zong is classmates in the first is changed.
Until one day, he discovers suddenly, even if is every the month returns lowermost reimbursement, only by every months of 2000 yuan living cost insufficient also.
Loss
Parents helps his repay a debt, he is face " enter the water "
Capital catenary is about to rupture, xiaozhang begins " tear open east the wall fills on the west wall " , borrow platform to continue to borrow money from other net again. To 2016 first half of the year, xiaozhang already lent amount of the loan on platform from 20 many nets 60 thousand multivariate. Xiaozhang tells a reporter, he calculated, this has 20 thousand only among them multivariate eat and drink for oneself and shop, the rest is accrual.
The Xiaozhang of have no way out is forced to follow parents honest. In June 2016, xiaozhang's parents is one-time pay off 60 thousand yuan of all debt.
Father female parent thinks the son can draw a lesson, however good times don't last long, in October 2016, xiaozhang's friend is badly in need of spending money in native place investment, found Xiaozhang. Hinder at face, small Zhang You lends platform borrow or lend money from the net before 10 thousand multivariate. But, the money that the friend lends was not returned in time on. But, xiaozhang lends company borrow or lend money from 78 wife and children again 30 thousand yuan.
This, family gives Xiaozhang every months 1200 yuan of living cost only, what small Zhang Neng does is continue " tear open east the wall fills on the west wall " . Worse is, small Zhang Hai borrowed through intermediary company usurious. Loan 10 thousand, actually has 8000 yuan only in one's hand, reimbursement time is half an year, every months of reimbursement 1000 yuan 4, reimbursement of add up to 20 thousand 1000 yuan 4.
In May 2017, dun company sent a short message to want money to small Zhang Fu's mother. Subsequently, parents helps small Zhang Yi again second sex returns all money, reimbursement makes an appointment with 100 thousand yuan.
Sink into
Tear open east the wall fills on the west wall, be pressed finally to bend over by high interest
In June 2017, xiaozhang begins big 3 exercitations, he is allocated some electron company. On July 20, xiaozhang receives name, be away on official business to Tibet. "Go inaccessibly bout Tibet, always want to ramble well. " Xiaozhang plans to purchase one suit to have, right now he still does not have exercitation salary, pin money of every months also is restricted. Then, he again loan. Because there is the experience of loan for many times before be, a lot of nets borrow platform to had not given him loan. Then, he finds a few finance company to have loan through date of Zhang of small letter public. Specified amounts of these company make loans are spent bigger, cycle is fast also, interest is very high nevertheless.
Xiaozhang is passed " fast fast borrow " and " the predestined relationship that be the same as a letter " two companies, borrow money respectively 3600 yuan mix 2500 yuan. After this sends irremediable, borrowed money more than times 20 in the add up to on these two platform only, amount exceeds 70 thousand yuan. Divide this beyond, he still is in all sorts of small lend company borrow or lend money, add up to more than yuan 110 thousand.
Xiaozhang says, loan basically is the loan before be being used at repaying, one annulus covers one link, was pressed finally to bend over by accrual. The reimbursement that August 21 is finally period, this day, xiaozhang wants reimbursement 10 thousand.
The reporter learns from police, xiaozhang already was brought back by its parents at present, parental preparation repays the help is little pieces again loan.
Violet ox is investigated
Undergraduate of seek by inquiry in the eye " subterranean banking center " --
There are a few to put in a building borrow, do student business only
Be located in the Tian Yuxi bank inside town of peaceful college of Nanjing city river is a business lives amphibious building, it is many Nanjing undergraduate eyes are medium here " subterranean banking center " . The insider says, there is orgnaization of loan of a few very consummate a hunderd schoolses inside this village, serve for the student only.
On August 21 afternoon, journalist comes to violet ox to village of bank of day drive brook have seek by inquiry. "Does loan need mortgage here? " the reporter comes to this village a 1 building begins an inquiry, two youths accost instantly. Be in be informed a reporter is adult after having the job, they shake their head, express not to do such business.
"We do student business only. " a man says, attend a college in Nanjing, no matter be the person of where OK. "Need mortgage? " the reporter asks, this man is responded to, do not need mortgage, want to provide date of the student's Id, student's identification card and telephone number only.
The reporter comes to this village as two people 1 unit 4 buildings, the other side tells a reporter, this one has 34 companies that provide loan for the student only at least. "This building altogether 16, each have, the amount is very much. " this man says. When nevertheless the reporter wants to continue to understand a situation into the door, refuse, the other side says, will not do business to be entered with respect to inconvenience.
Subsequently, violet ox journalist undertakes examining in this building, each have 30-40 about door, each are a few small family of smooth rice model, the doorway also does not have any billboard. Insider says, these companies are contacted with student single track mostly, do not meet too ostentatious.
Of eddy of so deep-set like Xiaozhang loan how many person is there after all in school undergraduate? Xiaozhang tells a reporter, his classmate has a lot of to had tried campus to borrow, do not spend not quite clear and specific loan amount. "The account that everybody borrows money is different. " Xiaozhang says, some likelihoods are to be badly in need of spending money, some likelihoods just satisfy his vanity.
Illegal campus is borrowed after all have much dreariness --
Lend Qian Xianpai video, once still do not go up " bomb "
Xiaozhang says, when oneself borrow money, although need not mortgage, but need holds Id to pat a paragraph of word to infect each other oneself with video. "Who is connecting regular meeting to say his, go to school where, borrow money through what platform how many money, once do not return sequential conceit. " Xiaozhang says, in addition, still need to supply telephone number and domestic address. This telephone number includes him, of the classmate, of the teacher, of family wait. Return some companies to want attend school to give birth to an address book to upload platform through a software, once exceed the time limit or it is not to return money, each person in giving address book sends a short message. Finance company uses, be inadequacy of student society experience, psychology bears ability differs this weak point, undertake short message and phone browbeat ceaselessly, urge they return money.
Additional, the agreement that owes when loan also has " cover a region " , basically be for the punish of avoid law. Xiaozhang says, the bill signed in acknowledgement of debt that makes in finance company place before him, not be actual loan amount is mixed in one's hand amount. For instance, loan amount is 10 thousand yuan, have 8000 yuan possibly only in one's hand, the others is poundage 2000 yuan. Even if is such, to grab interest, won't writing loan amount normally on the IOU is 10 thousand, and can write 20 thousand it is even 40 thousand, interest also won't be mentioned on receipt for a loan specific how much be. Such benefit roll profit, the undergraduate still must go up very hard.
The reporter still understands, in campus a new industry still produced in borrowing, call intermediary the company. The action of intermediary company depends on helping a boss find the student that need spends money, help student finds the company that can lend money, they from which draw-out commission. Xiaozhang tells a reporter, according to his real experience, brushstroke 10 thousand yuan loan, in one's hand is 8000 yuan. In these 8000 yuan in, need pays intermediary company 2000 yuan of intermediary fee to 3000 yuan.
Lawyer viewpoint
The undergraduate treats loan issue, should call the police appeal
Female recently undergraduate is naked borrow, the undergraduate does not return captain garden to borrow incident be waitinged for by hound somebody to death to happen again and again, enough causes the vigilance of undergraduates. Rao Fenbin of office of attorney of Jiangsu nine embellish tells a reporter, the principal part that campus borrows, namely these loan companies do not have a qualification very much more, whether do these companies have the relevant letter that bank nucleus sends for instance, have wait without right loan. Relevant section should have repair to this, these small lend a company from college town all round bundle off. The experience after undergraduate loan is troublesome, should call the police appeal, uphold oneself legal right. To exceeding the accrual share that law provides, law does not give support.
(Sign up for makings person: Ms. Wang)
