Dark, small Zhang Yi's individual sits in street, do not know what course to follow.
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?
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, the reporter coulds there be in Nanjing city river police station of new and high garden saw public security substation 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.
