Winning the new financial era

Chapter 405 The End of the Loan King
Zhang Yida is also a big V on Weibo, with tens of millions of followers.

With his utterance, entrepreneurs and celebrities from all walks of life also helped to forward it.

It turns out that Huinongdai is not an online loan platform, which is the first reaction of many netizens.

The annualized interest rate is only 6%, which is only [-]/[-] when converted into daily interest rate.

Borrowing is already regarded as a loan of conscience, and the daily interest rate is [-] to [-]/[-].

In addition, many users clicked on the video link posted by Zhang Yida and played the video.

A rooster map lit up countless small red dots, and the background introduction sounded:

"In three years, from Mohe, the northernmost point of the motherland, to Sansha, the southernmost point; from Fuyuan, the easternmost point, to Wuqia, the westernmost point.

22 provincial companies, 215 county-level branches, and the footprints of Huinong people all over the country..."

After introducing the achievements of Huinongdai in recent years, it began to show the daily work of Huinongdai employees.

"My name is Naren Tuya, and I'm going to a herdsman's house today to conduct a pre-loan investigation..."

On the vast prairie, a Mongolian girl wearing Huinongdai overalls was riding on a horse, smiling and introducing her daily work to the camera.

In addition to riding horses to do loan business for herdsmen, there are also those who take boats to the island to issue loans to fishermen, and those who drive across deserts and snow fields...

It can be seen that the working environment of grassroots business managers is very difficult, and many of them are in the border areas of the motherland.

"My name is Wu Yong, I am 55 years old, and I make a living from farming..."

In the video, an old farmer in plain clothes and speaking Hunan dialect appeared.

Facing the camera, he briefly told his loan story.

Three years ago, the old farmer had just escaped from the black labor den where he had been trapped for 16 years, and traveled thousands of miles to return to his hometown after 30 years of absence by begging and doing odd jobs.

At that time, Old Wu really took his own surname and had nothing.

When Lao Wu returned to his hometown, he found that his home was gone, his parents were gone, his house was gone, his land was gone, and even his household registration had been cancelled.

"The young and the old leave home, and the old man returns, the local accent remains unchanged. The children meet and don't know each other, and ask the guests where they come from with a smile."

The difference is that the children in the village didn't laugh and ask him where he came from - they all regarded the ragged old Wu as a beggar.

People who knew him thought he was dead, and those who didn't know him all thought, "I'm afraid this person won't be able to survive."

The villagers and neighbors took pity on him and gave him an abandoned old house and some daily necessities.

Lao Wu picked up some wasteland that no one wanted, and prepared to be self-reliant and "survive" first.

But the cost of buying fertilizer and seeds has become a problem. He has borrowed money from his neighbors.

There is not much money, only 5000 yuan, but no one is willing to lend it to him.

A lonely old man who has been wandering abroad for 30 years, who dares to lend him money, what if he doesn't pay?Or what day did you kick your legs?
Facing the camera, Lao Wu smiled wryly and said: "Later I heard that rural credit cooperatives can provide loans, so I went to ask about it.

People say it's impossible, I have nothing, no mortgage, no guarantee, not even a home.

Moreover, I borrowed too little, and people were unwilling to bother.

Later, manager Zhong from Huinongdai approached me and said that their unit was willing to lend me a loan.

And there are not so many rules and regulations, nothing is required, it is all based on credit.

She came to my house many times, asked me many questions, and finally loaned me 5000 yuan.

She told me, this is not helping, it is support.

You don't have to feel indebted to me.You are on your own, on your credit. "

Speaking of this, Lao Wu burst into tears, and revealed his true feelings:

"To be honest, after living for nearly 60 years, people always say that you don't have this or that, but very few people really tell me what you have.

I decided at that time that even if I sell blood, I must return it. "

At the end of the interview, Old Wu said with a bright smile: "In the future, while it is still possible to do it now, plant a few acres of land, save some money, and find a wife!"

The background dubbing finally said: "When all the misfortunes befall you, when you have nothing, what should you do?
The answer given by Yu Hua in "To Live" is: to live.

There is always a sense of powerlessness in this answer, and Lao Wu's story tells us: It is not enough to just live, you have to live well and live better.

Pursuing a better life is the right that everyone is born with.

But for poor people like Lao Wu, they have tried their best to keep their hope in life.

They are not afraid of suffering and giving, but they are so fragile.

So much so that the slightest obstacle in the eyes of ordinary people will become a vast ocean that is difficult for their group to cross.

The anxiety brought about by the various pressures of life faced by this group is beyond the comprehension of many people in the Fifth Ring Road.

But they also face many artificial "difficulties" and "qualification restrictions", such as loans.

What Huinongdai hopes is to give them the qualifications and hope to pursue a better life, even if only a little bit. "

In the tidbits of the video, there are also many public welfare actions that benefit farmers.

Send oil and rice to the widowed elderly, donate to Hope Primary School, college student loan officers and part-time rural teachers...

"Helping rural poverty alleviation, benefiting farmers has been on the way."

These are the last few characters of the video.

Countless users were moved to tears by this video, and they came to Zhang Yida and Huinongdai official to apologize.

"Sorry, I didn't expect you to be such a loan company."

"Whether Huinongdai is still recruiting or not, this is the life I have longed for, and it can realize the value of life."

"My keyboard man breaks the key here, announces his withdrawal from the arena, and will never slander others in the future."

……

The employees of Huinongdai didn't expect the company's promotional video to be so popular. After asking Bao Bufan for instructions, they simply edited the various loan stories recorded and filmed by the company into documentaries on various long-form video websites and began to serialize them.

There are all kinds of rural loan stories in the documentary, and the experiences of the protagonists are beyond the imagination of most Chinese people.

It has been seven years since our country became the second largest country in terms of GDP, and there are still such people and stories.

This and the prosperous society of Beijing, Shanghai and Pengyang form two folded worlds.

This is also a place that many netizens are interested in, especially those born in the 90s in the city, who have learned a lot.

After Zhang Yida knew the situation, he just smiled and said nothing.

Why is Pinduoduo so popular?

It is because there are more than 9 million Internet users in China, but 7 of them have a monthly income of less than 5000 yuan.

Consumption upgrade has nothing to do with these 7 adults.

After the incident in Tazhai Village, Huinongdai has shown its face in front of netizens all over the country.

Whoever dares to borrow money and refuse to repay it in the future will probably have to weigh it.

"Hundreds of armed police officers brought guns to collect them, and they asked you if you were afraid?"

This is a new joke from a netizen recently. It is purely for entertainment and not meant to be ridiculed.

However, the China Foundation for Poverty Alleviation, one of the shareholders of Huinongdai, has been noticed by netizens.

No wonder it can't be said to be so arrogant, it turns out that there are semi-official institutions participating in the shares.

The case in Tazhai Village is divided into three cases.

The first is assaulting the police and obstructing law enforcement; the second is suspected of a huge fraudulent loan of 1326 million yuan; the third is beating an employee of Huinongdai.

After surprise interrogation, the case was gradually clarified.

The final definition is: the underworld gang headed by Lin Boyan and Lin Jiren gathered idlers in the society, and through fraudulent means, defrauded Huinongdai of huge loans, causing huge economic losses to Huinongdai.

During this process, a crowd was gathered several times to beat the employees of Huinongdai who came to negotiate and solve the problem, causing many minor injuries.

He also used violence and threats to obstruct the staff of state organs from performing official duties in accordance with the law, causing serious injuries to three staff members of state organs and minor injuries to more than ten others.

According to Article 230 of the "Criminal Law", whoever commits the crime of intentional injury and causes serious injury shall be sentenced to fixed-term imprisonment of not less than 3 years but not more than 10 years.

In addition, injuring a policeman is suspected of violating the crime of obstructing public affairs in the Criminal Law, and shall be sentenced to fixed-term imprisonment of less than three years, criminal detention, surveillance or a fine;
Those who violently attack the people's policemen who are performing their duties according to law shall be severely punished.

Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

Huinongdai has a small loan license, and the lending funds come from banks and belong to other financial institutions.

1326 million is also a particularly heavy loss, so the maximum sentence is 7 years.

The crime of gathering crowds to disturb social order was not found guilty. This crime is somewhat similar to the crime of obstructing public affairs, but there are differences.

The former is to interfere with and destroy the normal work, production, business, and order of teaching and scientific research of party and government agencies, enterprises, public institutions, or people's organizations.

If the villagers smashed the village committee, it is estimated that this crime will be carried out.

There is also a crime of mobbing and affray.

Article 290 of the "Criminal Law": Whoever gathers a crowd to fight, the ringleaders and other active participants shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or control.

In addition, those who have gathered to fight many times; those who have gathered to fight with a large number of people, the scale is large, and the social impact is bad;

The ringleaders and other active participants shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years.

Combined punishment for the three crimes, Lin Boyan and Lin Jiren were sentenced to a maximum of 27 years in prison;
The other will-o'-the-wisp teenagers who participated in the beating also all had a 10-year background.

The other villagers just watched the excitement and did not do anything. After investigating the situation, they were detained for a few days and released.

Others who participated in beating people, such as the old man with white beard and hair, hit the captain's arm with a stick.

Another stick hit the captain's head and blood.

It is said that he was a stoner when he was young, and he was in good health.

This uncle was reported by the ghost fire boy for his crime and meritorious deeds, and he was also sentenced to five years in prison.

In addition to the old man and the will-o'-the-wisp boy, there were ten or twenty young, vigorous, and bloody villagers who beat others who were betrayed by their accomplices and sentenced to several years in prison.

Tazhai Village suffered heavy losses this time, and 50 to [-] people were sentenced in the whole village.

In addition, the judge also ordered 506 rural households to return the 1326 million yuan that Huinongdai was defrauded of.

Otherwise, they will be prosecuted for fraudulent loans.

This is because the local government does not want to make a big fuss. It has sentenced 50 people to 500 people, and it is unrealistic to sentence [-] people.

The other villagers were not the masterminds in the Huinongdai case, so they made the major incidents smaller and smaller.

The villagers now know how powerful they are, and they have to pay back the money owed to the Huinong Loan.

The money from Huinongdai is not much distributed to each family, only more than 2 yuan per family.

Lin Boyan's 65 yuan is easy to say, although he was fined part of it, he still can afford the money.

Lin Jiren gave 50 to his mother-in-law in Jiangxi Province.His mother-in-law was unwilling to take out the money, saying that the marriage certificate was a mess, so how could the gift be refunded?

In the end, it was the government that came forward and used all kinds of rhetoric such as "returning stolen goods" and "sentencing" to get the money back.

Of course, Lin Jiren's marriage also fell through.In fact, non-refundable betrothal gifts should also be yellow.

Because in today's society, it is impossible for a woman to wait for you for 27 years!
Hearing that the two masterminds were about the same age as him, Zhang Yida sighed for a while.

Wouldn’t it be good to be honest with other anti-aircraft artillery platforms?Those platforms have shit on their butts, and they dare not call the police.

In other words, without beating the employees of Huinongdai and negotiating well, the matter could not have come to this day.

At first Zhang Yida didn't want to make a big fuss, because he was also afraid of causing some mass incidents.

If a few villagers died, it would be difficult to say the direction of public opinion.

Things have turned into today, it can only be said that it is their own fault, who is to blame?

(End of this chapter)