After listening to Yoshino's words, Satomi trembled all over, clenched her fists, and stared at the opponent.
Yoshino straightened up and seemed to grab Tanaka's collar and pull up.
"Yoshino-kun,"
Gu Xing stood between the two of them, "Please restrain yourself."
"Who are you?" The tall and tall Yoshino seemed to have noticed the presence of another man here at this time. "What does it have to do with you?"
Gu Xing didn't want to get into trouble, so he took out his ID and said, "Excuse me, Gu Xing, Criminal Division of Jinghai Police Station, Lidu City Police Headquarters, is here to perform official duties."
"It turned out to be a plainclothes police officer, please forgive me for being rude," Yoshino said with a smile on his face after reading the ID, "However, my chat with the creditor probably did not break the law, nor did it interfere with your official duties."
"It's okay to chat,"
Gu Xing nodded, "But if you grab her collar and press her against the wall, you are suspected of intentionally harming a minor. I happened to be at the scene again, so it seems unreasonable not to go to the police station to find out more about this situation.
"
Yoshino let go of Satomi's collar and stared at Gu Xing arrogantly for a while, "Young man, you have to be brighter with your tactics. You can't get involved in everything."
He patted Gu Xing's shoulder, "I'm familiar with several police officers from your Jing'an Police Department. How about we have a meal and chat together if we have a chance?"
"I'm extremely happy. But let's forget about today's matters."
Yoshino looked at Satomi and patted her cheek, "Kid, you are lucky today, but such luck doesn't happen every day. After all,"
Yoshino raised his head and looked at Gu Xing, "The mouth that eats people is short, and the hands that take people are short, hahaha..."
After that, he left with a big smile.
Gu Xing called him.
Yoshino turned his head, "What?"
"I wonder if Yoshino-kun has ever heard... a sentence."
"Um?"
"Although I am often late...but one day, justice will come to my door."
Yoshino laughed so hard that tears came to his eyes, and waved to Gu Xing, "Gu Xingjun, another day, another day we can discuss this issue at the dinner table."
Yoshino shook his windbreaker and walked very gracefully.
Gu Xing looked at his back and asked Rimi, "So your family owes loan sharks."
"I want you to take care of it,"
Rimi glared at Gu Xing with a disgusted look in her eyes, "Just go away, I will pay you back the rice ball money later."
After saying that, she couldn't hold back her tears and stumbled into the crowd.
Gu Xing tried to catch up, but was separated by the crowd and lost.
He searched for a long time near the park, and finally saw Satomi sitting at the foot of a wall in a rather remote alley, hugging her knees and crying bitterly.
"Tell me about Yoshino and your family,"
Gu Xing handed Rimi a piece of toilet paper, "Maybe I can help."
Satomi looked up, her face filled with tears.
Seeing that the person coming was Gu Xing, she turned around and continued sobbing.
Gu Xing sat cross-legged beside her,
"Bang!"
I opened a can of coffee and ate the rice balls I hadn't finished just now.
Satomi finally couldn't help it and turned around, "Why did you agree to eat with that kind of guy?"
"Know yourself and the enemy, and you will be victorious in every battle." Gu Xing looked at her, "If you want to defeat the enemy, you must first understand the enemy. If you want to defeat the bad guy, you must first understand what kind of person he is. So——"
"So," Satomi raised her head, "you also think Yoshino is a bad guy?"
"certainly."
"Very good!"
Rimi stood up, a little excited, and almost rushed to hug Gu Xing, "No one has ever been on my side!"
"It's not necessarily true, it's just... good people are often not good at, or dare not express their feelings."
"If you don't dare to stand up in the face of bad guys, what's the use of these good people?"
"It's just that you didn't eat enough,"
Gu Xing took out the rice ball again and handed it to Rimi, "Eat slowly, there is also coffee."
The sky in Lidu is full of haze, and all lighting depends on the lights between the buildings. There is only one streetlight far away in the alley, and everything is dark.
In the package under the dim street lamp, Satomi said while eating rice balls:
“My parents died young and I was raised by my grandma.
At home, there are four people in total: me, grandma, grandpa who has leg problems, and grandma’s brother. Well, he suffered a stroke early in his life and has never been cured.
Although our family's life was a little harder at first, we could barely survive. For income, we relied on my grandma to work part-time as a cleaner.
But as I was preparing to go to college, my grandfather’s illness also worsened, and the expenses became tight. I was often stretched thin, and I couldn’t even pay the rent.”
"In this case,"
Gu Xing thought for a while, "You can try to get a loan from a bank. There is no need to take risks and borrow usury."
Satomi shook her head,
"It seems that because my grandma filed for personal bankruptcy in her early years and her personal income was not very stable, our family was unable to borrow money from formal financial institutions.
Later, my grandma somehow found out about a loan shark company called Koda and met Yoshino... Don't look at his fierce look now. At that time, he treated my grandma and everyone in our family.
Very polite, simply respectful.”
That's natural. God is the one who lends money.
Treating everyone who comes to borrow money with the most enthusiastic attitude is an unwritten rule of the country's loan sharking industry.
When borrowers come to borrow money, the entire loan shark company is filled with a warm and friendly atmosphere.
The loan process is surprisingly simple compared to banks. It only requires the borrower's identity certificate, home address, work address, phone number, etc.
Of course, behind this kind of God-like enthusiastic service, there is only one purpose - to make the borrowers feel at ease and relax their vigilance. When the loan sharks collect the accounts, their faces are 10,000 times more terrifying than imagined.
"Coaxed by Yoshino's sweet words,"
Satomi continued: "Grandma borrowed 50,000 yen (Japanese for yen) from Koda Company, but I didn't expect that only 30,000 yen was actually received."
"This is just to pay for the beheading." Gu Xing said.
Gu Xing, who has been living in embarrassment for a long time, has also consulted on the loan sharking business and has a little understanding of its ins and outs——
The biggest feature of loan sharking in this country is high interest rates for a short period of time. Generally speaking, the cycle is 10 days, and the amount ranges from 10,000 yen to 50,000 yen.
The most common interest rates are 10%, 30%, and 50% for 10 days. The annualized interest rate can reach up to more than 1,800%. It should be noted that the domestic law stipulates that the annualized interest rate must not be higher than 20%, which shows that loan sharking is real.
Scary.
Satomi's grandma's loan was only 30,000 yen, but the IOU must have been 50,000 yen. As for the deduction, it included 15,000 yen in interest and 5,000 yen in handling fees.
If the interest for one week is 30%, but grandma’s income is less than 50,000 yen per week, she will have to pay 15,000 yen in interest the next week, and cannot pay back the money for two consecutive weeks. Yoshino’s 30,000 yen principal has been repaid.
But not a penny of the 50,000 principal on the IOU was paid back.
As a result, the snowball gets bigger and bigger, and borrowers like Grandma Satomi will eventually owe huge debts that they cannot repay, and fall irretrievably into the abyss of ruined families.
"Yes, it's a beheading interest, but how did you know at the beginning that the terms of the beheading interest are hidden in a very hidden place in the contract, and my grandma doesn't understand them very well,"
Satomi's tears seemed to have dried up, but her eyes were still very red.
"Grandma once naively told grandpa that if a short-term loan was repaid quickly, the interest rate would not be very high. She thought that she would repay the money in a few days when she had enough money.
Who would have expected that when the money was repaid after a period of time, Yoshino told grandma that the one-time repayment would be 150,000 yuan."
Satomi gritted her teeth,
"How can our family have so much money? When grandma heard this number, she collapsed on the ground.
The money was never paid, and as a result, it snowballed and grew bigger and bigger. It was hanging in the air every day and was about to crush our family to death.
Yoshino comes every day to collect debts, makes harassing phone calls day and night, goes to the place where grandma works to cause trouble, often comes to our door in the middle of the night and knocks heavily on the door, and even orders various takeaways and ambulances in grandma's name.
Custom girl.
Later, it got worse, and once I even booked a funeral company to provide door-to-door services...
Just like this, after repeated threats, grandma's spirit finally collapsed completely.
One morning, my grandma pulled me to the relief station with her trembling body and told me:
'Satomi, grandma is going on a long trip, so you can come here after school, okay?'"
At this point, Satomi seemed to remember the scene at that time, and tears fell again.
Gu Xing handed over a tissue.
Satomi took it, but only held it,
"Grandma put all the wallet she had in a newspaper and stuffed it into my arms. Then she went into the relief station and said something to the staff inside, and then left alone.
That afternoon, I came home from school and heard that my grandma, grandpa, and grandma's brother went to the subway station and fell on the tracks together."