After Vodka took a sip of the thorn cocktail, he turned to Gin to share his tasting experience, "Brother, this cocktail tastes great too!"
Gin lowered his head and drank the wine in the cup, "The spicy taste is much covered up by the sweet and sour taste. The berry aroma is mixed with the juniper smell in the gin. The smell is rich and rich, suitable for people who don't usually drink..."
Chi Feichi looked down at the information on his phone and added in a hoarse voice, "It is also suitable for people who often drink cocktails and are looking for freshness. Such sweet gin is rare."
Gin: "..."
(▼へ▼メ)
Lark is really a dog that can't spit out ivory, so weird!
You can't hide the look in someone's eyes that makes you want to stab someone. However, when faced with that look, some people can pretend not to see it and continue to do their own thing as if nothing happened, but some people are more worried about being accidentally injured when the conflict intensifies.
Vodka looked at Gin's suddenly gloomy expression, and felt that he needed to say something to divert the attention of the two of them, "By the way, brother, you asked me to arrange for someone to go there to check the situation. I have already arranged In the past, just as you said, we pretended to let people go to get things from the locker, and by observing whether the people we sent got the things successfully and whether they were monitored or interrogated, we determined whether there was an ambush there. I arranged for two people to go there, and they both got the things smoothly and left safely. It doesn’t look like there was an ambush. Are we going to go directly there later?”
Speaking of business, Ginjiu didn't think about Chi Feichi's irritating remarks, but his face remained gloomy, "No, before we go there, I will arrange for Keir to check nearby. The guy in Pingjing is talking to many consumers." There is collusion among credit unions and they may borrow some manpower from those people to set up traps.”
"It doesn't matter how many of those little hooligans come who can only scare people, right?" Vodka laughed contemptuously, "We just need to scare them with real guys, and those people will run away!"
"But what we have to do is to make Heira disappear right now," Gin took out a cigarette and bit it, saying in a cold voice, "If someone sees us, and after escaping, Heira is found missing without knowing his life or death, what will happen?" If not, we would choose to call the police and tell them our appearance. We will be in trouble by then. We can’t make too much noise. It’s best to make sure no one is around to do anything.”
"Ah, that's right," Vodka agreed with a clear face. "If too many people knew that we took Pingjing away, we would have to clear out all those people. That would be too troublesome. However, Pingjing That guy is really annoying. After making enough money, he just wants to get rid of us..."
Chi Feichi, who was reading the information: "..."
Here comes vodka's today's diatribe against the target of the operation.
…
Late at night, street lights illuminate the road outside the small, remote park.
There was no one on the road, no cars were passing by, and everything was quiet.
A row of pay lockers stood on the roadside, and mosquitoes that became active after summer were flying in the sky.
Vodka stood behind the gate of the park exit. He took out his mobile phone to check the time. When he saw that it was past midnight, he cursed the target of the operation today, "It's already early in the morning. Isn't that guy still in that entertainment club?" Is he fooling around there? He's leaving for France tomorrow, right? He's coming to pick up things tonight, so why is he still in the mood to fool around in a place like that..."
Chi Feichi stood aside, listening to Vodka's abuse, and silently took out a cigarette from the cigarette case.
The experimental subject to be captured this time is named Kotaro Hirama. He is 43 years old and is considered a celebrity in Tokyo's financial circles.
He had heard a little bit about Kotaro Hirama before.
Kotaro Hirama once served as a university professor and was a scholar of finance. Five years ago, he was involved in a controversy involving oppression of students and misappropriation of students' academic achievements. He subsequently resigned and left the university to found Hirama Financial Firm.
On the surface, Pingjian Financial Firm provides asset allocation advice and financial investment advice to some wealthy people. In fact, it is connected with a number of financial consumer credit clubs, earns some wealth in gray areas, and also does some things to teach people to exploit loopholes. Doing things like tax evasion.
Those consumer credit companies, to put it bluntly, are loan shark companies that provide high-interest loans.
In Japan, the interest rate for bank loans can be very low, as low as almost zero. However, banks are very strict about loan qualifications. It is difficult for ordinary people to get such low-interest loans. The only way is to go to a credit company. loan.
Large commercial groups with financial systems, such as the Field Group, the Yan Group, and the Suzuki Group, all have banks and credit companies under their subsidiaries. The banks absorb ordinary people's savings for investment, and some of the funds also flow to the credit companies.
The advantage of borrowing from these credit companies is that the loan interest is not too high, and borrowers can also choose to repay in installments over ten or twenty years. Some people with strong professional abilities may be exempted as long as they agree to work in one of their companies. Borrowing interest' treatment.
However, these credit companies do not intend to make much money by borrowing money. The consortium itself has many investment projects. Sometimes the investment projects will make more money than the investors, and the future returns of the investment projects will also be higher.
Credit companies are established mainly to occupy a part of the market and to harvest talents or a large number of middle- and low-level employees from a wide net.
Therefore, these credit companies are only willing to invest in those who have room for development and can continue to repay money in the next few years. If the borrower does not have enough assets, he or she needs to have a stable job or have good grades in a certain school.
Borrowing from these credit companies also requires strict asset review, complicated procedures, and the approved loan amount is not as good as that of loan shark companies.
If someone has difficulty borrowing money from these credit companies, or is dissatisfied with the loan amount and speed of these credit companies, they will choose some less formal credit companies.
Those companies will post promotional advertisements everywhere, print the advertisements on some small gifts for distribution, print loan advertisements such as "No guarantee required, loan immediately" in newspapers, and hire some young and cute female employees specifically to go to We receive people who need loans and are polite to them when applying for loans. The procedures are relatively simple. Generally, we only need to confirm the person's personal information and family situation. The overall atmosphere is harmonious and pleasant. When the customer goes out, the female employee will also give the customer some company-distributed money. small gift.
In addition, those internal employees of the company may also be doing "salesperson" work and need to go around to attract customers.
The customer groups they target generally fall into three categories:
First of all, there are people who make purchases at racetracks or small steel ball shops.
Salespeople regularly visit horse racing tracks and small steel ball shops, targeting people who are distressed and worried about losing money, and give priority to those who appear to have decent jobs or families for loan recommendations.
Middle-aged men like his Maori teacher who seemed to have decent jobs and families were the favorite customers of credit companies.
If his teacher’s face hadn’t been published many times in newspapers and illegal credit companies were afraid of the famous detective’s close relationship with the police, his teacher would probably have received a lot of loan leaflets every time he went to the racetrack or the small steel ball shop. .
And even though Mouri Kogoro's reputation is here, at the racecourse, there was still a female salesperson from a credit company who took the initiative to recommend him to his teacher after hearing him say, "If you lose, your living expenses will be gone." A loan with an annual interest rate of around 29%.
Many of these borrowers are housewives who go to kill time but are addicted to that kind of 'petty gambling' and cannot get out.
These housewives need to consider their families and rarely default on debts. Even if they have no money, their husbands can still repay the loans. They are also the priority targets of these people.
The second largest group of customers targeted by credit companies are people who are prone to excessive consumption due to comparison and instigation by others, such as young boys and girls who are not mentally mature enough.
The salesperson will go deep into the vicinity of his residence, his workplace, his frequent leisure and entertainment venues, and even wander in major shopping malls to observe and inquire about young people who need loans, and actively seek out them to recommend loans.
The most frightening thing is that some credit companies will tell young people who can't afford money at the moment - 'Recommend our products to your classmates or friends. If someone borrows from us, we can delay your repayment time. '.
Use those young people who are being exploited to encourage and lure more young people to take out loans.
These young people may not be able to repay loan sharks, but they still have parents who can repay them on their behalf.
And the more beautiful a young girl is, the higher the loan amount she can get. If the money is not paid, she will be forced to join the sex industry.
The third type of people targeted by credit companies are those who are easily deceived into getting loans, such as the elderly who are confused by the salesperson's eloquent talk.
Aren’t these credit companies worried about these elderly people not being able to pay their bills?
People really don’t have to worry, the elderly can also work and earn money to pay off their debts.
And many times, the money lent by these credit companies is not much, sometimes only ten or twenty thousand yen, but the interest hidden under various terms is very high.
Japan's "Interest Restriction Law" stipulates that if the loan is less than 100,000 yen, the annual interest rate shall not exceed 20%. If the loan is between 100,000 yen and 1 million yen, the annual interest rate shall not exceed 18%. Consortiums and large groups Its credit companies generally abide by the regulations, but at the same time, Japan's "Investment Law" also mentions that as long as the borrower agrees, it is not illegal if the annual interest rate does not exceed 29.2%. Many large companies that rely on loans to make money will have an annual interest rate of 29. %, including the largest credit company in Japan, and the annual interest rate of loans from many small credit companies will reach 29%, and the annual interest rate of loans from illegal credit companies will even exceed 100%.
As long as it can squeeze some people, it will be enough to make up for the loss of other people who have not been able to pay.
What's more, there are only a very small number of people who default on their debts. Regardless of whether they are forced to do so, most people will choose to pay back the money and pay high interest.
Those loans are usually linked to violent gangs and gangsters. If the borrowers don't pay back the money, it's not the young and cute female employees who go to the borrowers, but some vicious men.
Those big men will make threatening phone calls to urge borrowers to pay back their money quickly, and then they will start knocking on doors to intimidate, block roads and humiliate them, cut off water and electricity, and come to the door to ask for money and other violent collection methods.
The Japanese police also have the principle of "civil non-intervention". As long as the matter does not meet the standards for criminal filing, the police will not be able to control it.
There was a financial dispute between the two parties, and one party did not cause any physical harm to the other party. When the police arrived, they just said a few words and made peace.
Some police officers with a strong sense of justice will speak up for people who are violently debt collectors, but as long as the harm does not meet criminal standards, the police have no way to arrest the debt collectors.
Some violent collection agents will even beat you up. If the police speak louder and have a more aggressive attitude, they might get a question: "You are taking the tax money we paid, and you want to use this attitude to solve the problem?" I'm going to file a complaint against you' warning.
Even if a violent debt collector leaves temporarily, he or she can continue to intimidate someone another day.
In this case, some borrowers may even think that as long as they and their families are not pestered and harassed, it doesn't matter if they pay more interest.
Some people are unable to pay high interest rates and are forced to have no other choice, so they will choose to commit suicide or kill someone.
(End of chapter)
