Return back into the Novel as the Antagonistic Playboy

Chapter 172: The Usury Market in the New World

Ding! Successfully obtained the protagonist's gratitude and love, and helped the protagonist open his heart knot, and gained 4 points of luck! Please continue to work hard!

Hearing the system's notification tone, Song Shicheng, who was hugging Shen Xiaoyan and rubbing his ears together, couldn't help but feel his heart skip a beat.

It turns out that there is such a special way to obtain luck from the protagonist!

Is this the benefit of being in the protagonist's camp in a novel?

It should be...

You must know that the good luck of some supporting characters is often due to the favor of the protagonist. As long as they form a community of interests with the protagonist and assist the protagonist in career and life, the supporting characters can also benefit in various ways!

For example, according to the plot outline of the original novel, when the miraculous doctor Ye Tian reached the pinnacle of his life by treating dignitaries and dignitaries and gaining various favors, Lin Yi, the original number one supporting role, would also be rewarded because of his hard-core friendship with Ye Tian. The treatment of chicken and dog ascending to heaven.

As explained earlier, Lin Yi's character is set as an abandoned son of a wealthy family. When he returns to the Mu family, he will suffer a dismal situation at first because he is not well received.

Later, thanks to Ye Tianmiao's hands, he cured Mr. Mu and became a distinguished guest of Mu's family. With this relationship, Lin Yi's development will also turn around. There will be an endless stream, and in the end, with Ye Tian's help, he and Mu Yunchen will become the humerus core of the Mu family!

It's a pity that due to his rebirth, he tampered with the script of the novel one after another, pushing the two brothers into desperation one after another, and finally blackened and turned against each other, ruining a good story between the protagonist and the supporting role.

But now, Shen Xiaoyan has obtained the aura of the protagonist, and she has also moved from standing on the opposite side of the protagonist to the camp of the protagonist, and her identity is equivalent to changing from a villain to a supporting role.

In other words, as long as I unswervingly love and support this wife, my luck will continue to rise!

What are you thinking about?

Cheek-to-cheek was being tender, Shen Xiaoyan noticed that her husband suddenly lost his mind.

nothing……

Song Shicheng held up the unparalleled beauty in both hands, and said with a smile: I just suddenly thought, maybe I should thank that aunt properly, if she didn't instigate your mother to give birth to you back then, maybe I would have given birth to you. Without such a good wife.

Listening intently, Shen Xiaoyan's expression went into a trance for a while, her hands were hooked around his neck, her body was still close to him, but her head moved a little away, her starry eyes were shining, and she carefully looked at this man who had gone through ups and downs and twists and turns. The beloved man he found said in a soft voice full of emotion: I have always felt that my birth was a mistake, and I have complained to God more than once, and I feel that God is too unfair to me. , let me go through so many hardships and unhappy things, now I probably understand, because he saved the best for last.

In fact, there is still a sentence hidden in her heart: no matter who this Song Shicheng is and what kind of past he has, as long as this person can cherish and love himself as always, it is enough.

Then now, when you think about the refusal to obey before you got married, how does it feel?

...It can only be said that if you make a mistake, you will make a mistake. All kinds of mistakes in your life have been put together, and you finally got a pretty good result.

I've been with that literary girl Yuan Jia for a long time, and I've learned how to drop my book bag.

Song Shicheng smiled, and kissed those two delicate and beautiful cherry lips. While ingesting fragrance, he moved his hands up and down. When his hand slipped onto Shen Xiaoyan's trousers waist, and was about to unbutton it, he was held down by that bare hand. up.

Don't... Auntie is still waiting below. Shen Xiaoyan said softly, panting.

This kind of top-notch relatives come to ask for work, so they should hang out more. Young Master Song also wanted to force the overlord to fight hard, and even wanted to try the taste of clouds and rain in the bathroom.

Really not, I...that's coming. Shen Xiaoyan refused with a red face.

Eldest Young Master Song was startled, and when she came back to her senses, it seemed that these few days were really her period, so she couldn't help but joked: My aunt is really here.

Facing his frivolous words with puns, Shen Xiaoyan clenched her fists and slapped his chest to protest, but then buried her hot face in it.

The two of them lay in the bathroom for a while, and then came out hand in hand.

Shen Xiaoyan's face was still a little red and ashamed, but fortunately the light in the hotel restaurant was rather dim, so she couldn't see it unless she looked carefully.

And my aunt was getting impatient waiting in the private room. Seeing that the two entered the door unhurriedly, although she was full of complaints, she still had to say with a smile: Just married, the young couple is sweet enough, it really makes me happy. People are very envious.

Song Shicheng didn't bother to pay attention to her fawning, and he came down to see this side, also to prevent this top-notch aunt from disturbing Shen Xiaoyan again, so as soon as his buttocks sat down, he said directly: Ms. Lin is short of money again?

Lin Meizhen's cheeks froze again.

As the saying goes, if you reach out and don't hit the smiling face, who would have expected that Young Master Song would directly hit the smiling face until the nose is bruised and the face is swollen!

Although Lin Meizhen guessed that Shen Xiaoyan's feelings towards her and Song Dashao's notoriety before she came over, she might have a bad nose, but in name, they are close relatives with each other. What kind of meaning is it to humiliate and sarcasm when you open your mouth to please people?

But Song Shicheng, who is well versed in the world, knows that all the best relatives in the world have a common characteristic: push their noses and face their faces!

The more polite and courteous you are, the less influential you will be, on the contrary, it will make the other party feel that you are easy to speak and manage, and then you will make progress.

Instead of continuing to have troubles in the future, it is better to draw the road first, and warn this aunt, don't try to scam them here!

Shen Xiaoyan naturally understood Song Shicheng's thoughts, but seeing the awkward situation, she smoothed things over and said, Auntie, my mother didn't explain your situation to me very clearly. After all, it's just a lack of cash flow, right?

Lin Meizhen realized that her niece and son-in-law were a stubborn stubble, so she could only hold back her thoughts, and told her niece about her tragic history of blood and tears: Xiaoyan, you know that if it wasn't for the end of the mountain, my aunt would never have She's getting old, and she still puts on her old face to ask for help... Auntie's life is really not easy. She lived in such poverty when she was a child. Auntie would rather drop out of school by herself, and insist on letting your mother continue to study. A little girl went to the university by herself. To find a living in the city to help a large family, day and night, all stares, when your mother graduates, then pick her up to Huahai to find a job, ask for relationships and favors everywhere, and arrange your mother to work at the front desk of the hospital, your mother This is how I got to know your father... Later, when something happened to your mother, I really wanted to die, but I couldn't bear your mother to suffer alone, so I could only bear the pain and take care of your mother And you who are still in the belly...

This is it again...

Shen Xiaoyan had the urge to roll her eyes.

This move has become the trump card of this aunt who has tried many times!

From childhood to adulthood, every time Lin Meizhen wanted to take advantage of their mother and daughter, she basically used this set of lines, and Shen Xiaoyan knew it by heart.

At first, Shen Xiaoyan was very moved when she heard it when she was a child. She felt that she and her mother owed a lot to her aunt, until she saw the despicable and sinister of this aunt, and her mother Lin Meizhu was forced to complain. This kind of feeling It just fell apart.

Listen to her nonsense! When she was a child, she obviously refused to study. She was deceived by a bum who was working in the city in the next village, and she ran away to the city without telling her family. I work in the hospital and have a serious job, and asked me to help find a job. What took care of my pregnancy in October, at my place, eat my own, live my own, use my own, spend all my savings, give birth to you I borrowed money from the neighbor next door. When I was born with you, I couldn’t even walk, so she dragged us mother and daughter to block your father’s doorway, yelling like mourning, causing your father to I lost face, if she was willing to negotiate with her kindly at that time, our mother and daughter might not have suffered so much! Thankfully she still has the face to turn right and wrong!

As the saying goes, it should match your performance, I choose to turn a blind eye.

But seeing that Lin Meizhen has no self-cultivation as an actor, let alone Song Dashao, even Shen Xiaoyan can't stand it anymore.

Later, if I hadn't endured the humiliation and led the two of you to seek an explanation from your father, and even forced you to die, your father would not have softened his heart and recognized you, let alone the past twenty years...

Auntie, I know you worked very hard back then, but I think... you should explain the matter clearly first, otherwise, I don't know how to help... I will help you with the details.

Having been tricked a lot, Shen Xiaoyan has also learned a lot, knowing that once she says she wants to help, with this aunt's pissing nature, she will definitely rely on herself.

Just talking about helping and referring to the details leaves enough room for maneuver.

Hearing this, Lin Meizhen scolded secretly again, seeing that the young couple didn't like anything, so she could only tell the truth honestly.

The process will inevitably be another big bowl of bitter water, and the main idea is as outlined by Young Master Song: no money.

Is it true that you can't get any money?

It's really too bad, it's all worth it.

Lin Meizhen said with a frowning face: It's not that you don't know your uncle's background. Now that the industry is in a downturn, such a small business, the ability to resist risks, can't be compared with your family... Xiaoyan, I beg you to be an aunt. Ten million, as long as there is this money, my aunt's family can tide over the difficulties, and my aunt promises that she will never trouble you again from now on.

In addition... Shicheng, can you please intercede with Mr. Li, so that he will stop being so aggressive.

Song Shicheng was startled, and asked back, You also borrowed money from Li Dongsheng?

It's not a loan. We mortgaged the plant and equipment, but his interest is too high to bear. Lin Meizhen said bitterly: Originally, I found out that Mr. Li is also a shareholder of Fenghua Group, so I reported our relationship. I hoped that he would be lenient and accommodating, but unexpectedly, he intensified and issued an ultimatum, threatening that if the principal and interest are not repaid within three days, all valuables such as enterprises and real estate will be taken away directly.

Song Shicheng curled his lips, no matter where money is lacking, there is Li Dongsheng. In order to lend usury, this money-eating ghost is almost everywhere.

Moreover, this Lin Meizhen is purely clever, thinking that she can make Li Dongsheng's subordinates show mercy by using her own name as a fake tiger, but she doesn't know that her relationship with Li Dongsheng has already been broken.

It's okay not to mention it, once the relationship between them is revealed, Li Dongsheng has to punish Lin Meizhen's family to death!

Shen Xiaoyan lost her voice in surprise: Auntie, he is a usury, why do you...

I know, but there's no other way. Your uncle and I have been blacklisted, and the bank doesn't care about us at all. Instead of looking for these financial institutions, why should we still look for your father? Lin Meizhen said aggrievedly : Xiaoyan, Shicheng, you two should help aunt this time, if you can't make it through this difficulty, aunt's family will really be doomed.

Shen Xiaoyan felt a headache, subconsciously looked at her husband.

Song Shicheng was silent for a moment, and said, How far has Li Dongsheng pushed you?

Lin Meizhen lamented: It's almost a combination of soft and hard. While letting the debt collection company intimidate us, we also asked a lawyer to sue. Now the lawsuit is halfway through. If we lose the lawsuit, our family will really have nothing.

Song Shicheng just laughed it off.

He saw Lin Meizhen's mind very clearly.

In fact, he had studied Li Dongsheng's usury business earlier.

The main targets of lending are small and medium-sized enterprises like Lin Meizhen who are on the credit blacklist and lack funds.

The monthly interest rate is generally 10%, and the annual interest rate is 120%, which is a veritable usury!

Perhaps many people will wonder, how can usury be so prevalent and blatantly illegal that it is clearly illegal.

That's right, the law clearly stipulates that once the annual interest rate agreed by the borrower and lender exceeds 36%, it is invalid and illegal.

However, as long as you like private lending, even if it is not protected by financial related laws, the contract law and civil law loan clauses are not prohibited.

That is to say, if the borrower and the lender are voluntary, no matter how high the usury the lender lends, it will not constitute a criminal offense, but it will not be protected by law.

In fact, Li Dongsheng does not want to go to court, because even if he wins, he can only get the 36% interest that is recognized and supported by the court, so he often uses both soft and hard methods, and finds debt collection companies while fighting the lawsuit.

However, due to this tampered world, there are no dark organizations, so the behavior of debt collection companies is relatively moderate. They don't play any violent aesthetics, but let people block you, such as finding some people suffering from tuberculosis, measles and even AIDS. People who are waiting for infectious diseases will block your company or home to see if you dare to pay back the money!

In addition, it is worth mentioning that Song Shicheng discovered that the Wei Guangzheng government in this world has done some effective work in rectifying usury.

There is a dedicated Fair Debt Collection Practices Act.

It is clear that when an enterprise or individual is unable to repay its debts, it can apply for bankruptcy protection. Once approved, most of the debtor's debts can be cancelled.

However, by that time, the debtor will also be destitute.

As for Lin Meizhen's situation, it is obvious that she can't pay her debts and doesn't want to file for bankruptcy. A typical bitch is hypocritical.