Exceed

Chapter 124 Usury

Song Xiu didn't know that he had been "stared" by someone, he took that ghost to the balcony, and then found that two-thirds of his spiritual power had been used up, so he immediately released the ghost that was caught by him. Ghost: "He Jialiang, right? If you want to seek justice, then don't run away."

"How do you know that I want to avenge justice?" He Jialiang was startled and asked immediately, but he really didn't run away.

"If you didn't feel wronged, you wouldn't be in this situation." Song Xiu said.

He Jialiang fell silent, his face contorted, and then slowly calmed down: "What on earth do you do?" Everything that happened in the past two months completely subverted his outlook on the world and life, and Song Xiu's identity , which made him feel very curious.

In this world, is there really anyone?

"I'm a monk, I can see ghosts, and occasionally catch ghosts to help solve crimes." Song Xiudao.

"Are you here to solve my case?" He Jialiang said in surprise.

"It just happened to happen. You can tell me about your situation." Song Xiu leaned on the balcony and motioned for the ghost to float outside the balcony. It looked like he was looking at the night scene outside.

"I was killed by that woman and another person, not by Yu Guang!" He Jialiang became excited.

"Isn't she your fiancee?" Song Xiu asked in a low voice.

He Jialiang was stunned for a moment, and a trace of embarrassment flashed across his face: "It's not a fiancee, just a girlfriend...because my mother doesn't agree."

"Even if it's just a girlfriend, she has no reason to kill you." Song Xiu frowned slightly. Although Nian Qing was said to be born well, she has been having scandals with He Jialiang since before, and everyone even thought she was He Jialiang's fiancée From this point of view, she should be very willing to be with He Jialiang. In this case, how could she kill someone? "You have something to do with that Yu Guang?"

If it was a love killing... the person in front of him is a bit contemptible. Song Xiu has always felt that since he has identified a person, he should not be entangled with others.

"What kind of love killing, I have nothing to do with Yu Guang at all. At that time, I only wanted to marry her!" He Jialiang shouted angrily, and after he finished shouting, he became even more depressed.

He really likes Nian Qing, and feels that Nian Qing is different from other actors, she is clean, well-educated, and very beautiful, she is completely his dream lover.

As a result, he was crushed to death later, his head was bleeding and his brains were bursting.

"Nianqing and I met more than a year ago, and soon fell into a passionate love. I liked her very much and wanted to marry her, but unfortunately my mother disagreed, so in the few months before my death, I was married to her. I have been fighting with my mother. I thought that as long as I persuaded my mother, I could marry Nianqing. Although my mother didn't like Nianqing, she couldn't hold me back. Who would have thought that Nianqing would kill me later? ..." Speaking of this, He Jialiang was obviously very uncomfortable. He really wanted to spend his life with Nian Qing at that time, and Nian Qing had always been gentle and considerate to him. Even before Nian Qing teamed up with someone to kill him, they We also had a sweet meal together...

"Then why did she kill you?" If that was the case, Nian Qing would have no reason to kill He Jialiang.

"I didn't know why she wanted to kill me before. Even if she moved on, she could still break up with me. After I died, I stayed with her for a while before I knew the reason why she wanted to kill me," He Jialiang sneered "It's just for the money, for the 5000 million I lent her."

"You lend her 5000 million?" Song Xiu asked curiously, 5000 million, this is not a small amount!Although He Jialiang's mother's career is very big, it is not as good as Zhou Hui's. He Jialiang is just helping out in his mother's company now.

"Yes, at that time, she said that she wanted to participate in Cheng'an Entertainment's auction, and the deposit was not enough, so she asked me to borrow some. She wrote an IOU, saying that after the auction, if she didn't win the auction, she would pay me back the money. If she did, You can give me shares. I was in love at the time, and because my mother felt guilty for picking on her, I used the real estate under my name as collateral, and embezzled some money from the company to her. Together, she analyzed how to split up and sell Cheng'an Entertainment after buying it... You know, Cheng'an Entertainment is a sweet bun in the eyes of many people. After I learned about the various facilities of Cheng'an Entertainment from Nian Qing, I even feel that if this is done well, I can get a big deal..." He Jialiang's face was full of despair.

At that time, he discussed with Nian Qing for a long time, and had a detailed discussion with his consultants. They all felt that this was a good project. Moreover, because the court auction was very fast, many companies were not ready yet. Because of this, they are very likely to buy it at a very suitable price. They can't operate it, but they can definitely make a lot of money by selling it...

Of course, 5000 million is not enough to buy Cheng An Entertainment, and according to Nian Qing, besides his 5000 million, she will ask her father for other money.

He met Nian Qing's father once. He was a well-bred middle-aged man who could speak foreign languages ​​fluently. It is said that he was also an investor specializing in venture capital abroad...

"Where did the money go?" Song Xiu asked.

"Nian Qing didn't bid for Cheng'an Entertainment at all, she used the money to repay the usury!" He Jialiang's words were full of anger.

"Loan usury?" Song Xiu frowned slightly, Nian Qing is also a very good actor, right?Even if you want to borrow usury, there is no reason to borrow so much.

"Yes, loan sharks. Nian Qing always said that she lived a good life. When she was a child, her family was indeed very rich. His father was a very business-minded person. He bought stocks and traded futures. He seemed to make money when no one else became rich. He spent a lot of money, but the money came so easily, and he spent it very quickly, so in fact, when Nian Qing was in his twenties, their family had no money. Nian Qing became an actor, and he earned a lot But the money was not enough for her to spend, and later, she and her father began to think about ways to make money..." He Jialiang slowly told all the things he knew later.

Nianqing's father, Nianzhang, knew many people and was smart and talkative, so when he ran out of money, he persuaded some people who had spare funds to join him, and finally opened a small loan company.

Microfinance companies are more convenient than private financing, and Nianzhang knows many people, so he has made the company flourish.However, he is used to enjoying himself, he wants the best in everything, and the money made by this company is not even enough for him to squander normally.

In the end, in order to make more money, he figured out a way, which is to lend usury privately.

Usury is the most lucrative thing. Nianzhang and Nianqing gradually became addicted to it after letting it go for a few times. However, they have too little funds at their disposal.

In the end, these two people actually came up with another way. They borrowed money from others at a lower interest rate than usury, and then lent out the borrowed money, and finally earned the interest difference.

In this way, they don't have to pay the principal, and after paying back half of the interest collected every month, the rest can be spent by themselves...

If there is no problem with the capital chain and the police do not find out, Nian Qing and her father can live in style if this continues, but how can there be no problems with usury?

There are many people who have borrowed usury from them. They even opened a casino, and then specially lent money to those who come to the casino to gamble. I got on, but some people didn't get on, and finally ran away.

Nianqing and Nianzhang encountered such a thing. Some people who ran away could be recovered after finding someone, or their family members could help to return them, but there were also some people who could never be found again...

If they have a lot of capital, it’s not a big deal if they run a few times. If they can spend less and save more money, it’s easy to make up for the deficit, but they can’t do both.

Faced with such a situation, they can only raise money to repay the interest first, and then they can't make up the money, so they start to borrow money from others to repay the interest and squander it.

Borrowing money from ordinary businessmen is fine. After Nian Qing and Nian Zhang couldn't borrow money from ordinary people, they even started to borrow money from some people on the road, even loan sharks!

At the beginning, they used to make deals with local gangsters, lending money with an annual interest rate of 15% in their hands, and then in order to repay their money, they began to borrow more money from them...

For usurers, the annual interest rate is 15%, which is already very low. They don’t even lend usury loans with a monthly interest rate of 15%, but when there is a problem with the capital chain and the borrower runs away , It’s not easy to pay back!

"I have seen some of their operating methods these days, and it is really a mess. In short, they have been tossing like this, and in the end they owe more and more money, and there is a funding gap of tens of millions. At that time, It just so happens that Nian Qing and I have a very hot fight. In fact, before borrowing money from me that time, Nian Qing also lent me money a few times. She often borrowed money from me on the pretext that her father was going to be a venture capital investment. After borrowing, it usually took a month I would pay it back, and I would calculate the interest at an annual rate of 7%, so I never rejected it until they borrowed 5000 million from me." He Jialiang sighed.

He used to borrow a few million, and he could take it out by himself, but 5000 million is not a small amount. He not only emptied his own family, mortgaged the real estate, but also embezzled a lot from his mother's company. After finding out that Nian Qing didn't take pictures of Cheng An Entertainment, he hoped that the other party would pay back the money immediately.

But Nian Qing always found excuses to default on her debts. Of course, at that time, he didn't even know that Nian Qing was making excuses, and thought she really had a problem.

During that time, Nian Qing had been pestering him, wanting to marry him, but his mother strongly opposed it, so he finally moved out of the house, which was a fight against his mother, but even so, he did not agree to marry him in the end. Nian Qing secretly went to get the certificate, and kept urging Nian Qing to pay back the money quickly, because if his mother found out about this, she might even disagree with his marriage with Nian Qing...

He would disobey his mother for Nian Qing, but he didn't intend to really turn against his mother.

"I had dinner with Nian Qing in my apartment that day. After eating, Nian Qing went out and soon brought another man, and then the two of them killed me together." He Jialiang gritted his teeth. He is a rich second generation. Although he also went to the gym to build up his muscles, but he really couldn't beat someone with fighting experience.

So, he was hammered to death by the man with a hammer very quickly.

"What about that Yu Guang? What's going on?" Song Xiu asked.

"Yu Guang is my college classmate. In college, I lived in the same dormitory with him in order to experience school life. His family conditions are not good, so I often help him. Later, after he graduated, he went to work in my mother's company. Yes, I usually ask him to help me if I have something to do, and he will always come to pick me up, whether I am drunk in the middle of the night and ask him to pick me up, or I want to have breakfast early in the morning, just make a phone call, and he will be right away Will come..." He Jialiang's expression was a little dazed: "Nianqing sent him a text message on my mobile phone that day, asking him to help me clean up the house, and he came. I just died when he came, and I just became a Ghost, then I saw Nian Qing holding the hammer that killed me and stuffing it into Yu Guang's hand. Yu Guang didn't react at first, but then he was frightened and threw the hammer... Nian Qing testified against him , I saw him with me when I came in, and with his fingerprints on the murder weapon, he was identified by the police as my murderer."

"According to what you said, there should be Nian Qing's fingerprints on the murder weapon." Song Xiu found one of the doubts.

"I thought so too at the time, and so did Yu Guang, so he brought it up later, but the police didn't find anyone else's fingerprints on the murder weapon at all. The person who helped Nianqing kill me was wearing gloves. As for Nian Qing, she painted transparent nail polish on her hands." He Jialiang gritted his teeth: "There are witnesses and evidence, in the eyes of others, Nian Qing has no reason to kill me, but Yu Guang has a reason kill me……"

In such a situation, it's really hard to justify... "Because of love?"

"That's what Nian Qing said. Later, the police actually found some diaries... I didn't even know he liked me before." He Jialiang shrank into a ball.

In fact, he followed the police to investigate the case. When he first learned about this, he even felt a little disgusted, because he had no feelings for men at all, and because he had just died at that time, he was very angry and irrational.

But after calming down, my mood changed completely.

Nian Qing killed him for money, but Yu Guang always liked him and did a lot for him. Compared with Nian Qing, Yu Guang is really much better!Thinking about it this way, he has already turned into a ghost, and he, who has lost even his desires, gradually begins to look at Yu Guang pleasingly.

Just before coming to this banquet, he was desperate, and even thought about it, after Yu Guang was executed, the two ghosts could float around together, and they could be regarded as having a companion...

Of course, although he has such thoughts and wants someone to accompany him, he will not really watch Yu Guang die: "You must help me, I beg you, Yu Guang is innocent! And his family, my mother is very angry and has been making trouble for his family, if this continues, he and his family will be finished!"

The evidence for Yu Guang's killing him was conclusive, so in the end, under the pressure of his mother, Yu Guang was quickly convicted and sentenced to death. Not only that, but even Yu Guang's family members suffered.

As soon as he thought of this, He Jialiang felt extremely guilty.

"Okay." Song Xiu nodded. Fang Chi hadn't come back yet, so he could find something to do so that he wouldn't have to worry about waiting.

Song Xiu's voice was not loud, but He Jialiang couldn't help but rejoice when he heard it, but at this moment, another person appeared on the balcony.

The beautiful woman looked haggard, and when she saw Song Xiu, a trace of apology flashed across her face: "Sorry, I didn't know there were already people here..." Before she could finish speaking, she suddenly rushed to the railing, and then leaned against the railing began to cry.

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