[Dark Gold Rotten Dog] God treats girls and wild dogs

Thinking about Rina and the black business card, Yuu was in a daze for almost the whole class.

She unconsciously turned the pen in her hand, and when she heard the word "usury", she froze for a moment, and the pen fell to the ground with a "click".

"Next, I want to talk to you about this issue."

Professor Watanabe, who teaches financial law, wrote down what he just said on the blackboard, and supported the podium with both hands: "Everyone should have seen flyers on the street, right?"

You picked up the pen on the ground, focused on the blackboard, and soon heard a voice saying: "Usury has violated the capital contribution law and committed the crime of illegal business operations. The penalty is up to five years in prison based on the number of lenders and the interest. A fine of less than 1000 million yuan."

She pursed her lips and glanced at the boy who was speaking out of the corner of her eye.

Keio's Faculty of Law is second only to Dongda University, and most of the admitted students think highly of themselves and like to interrupt the professor's rhythm at will.Although she didn't hate this type of person, it was difficult for her to develop a good impression.

The professor nodded in relief when he heard it: "I thought no one would preview my class."

There was a burst of good-natured laughter in the classroom.

"Since Mr. Yamashita mentioned interest, what is the upper limit of the interest rate of usury?" the professor asked.

"20%." Yamashita hugged his chest, not being overwhelmed by the professor's question at all.

"That's right." The professor turned the page of the slide: "The Investment Law was promulgated in Showa 29, and the annual interest limit at that time was 109.5%. After that, it decreased year by year, and became 29.2% in the millennium, and then followed the interest limit in 20 years. The law will be unified, and eventually it will be reduced to [-]%.

Yamashita's nose almost turned up to the sky.

You followed the professor and turned the textbook to the next page, the content on it was exactly the same as the professor's slides.She twitched the corners of her mouth, wondering what that man could be complacent about.

"The interest rate of 109.5% is close to [-]% per month on average. Isn't it unbelievable now?" the professor smiled.

"That was after the war. Who knows if you will pay back the money you borrowed? At least a higher interest rate can make up for bad debts." Some students muttered softly.

Professor Watanabe smiled at the student who spoke, turned around and wrote the words "existence is reasonable" on the blackboard.

"Enterprises need money for financing, and family members need money for illness. Who can say that they will not encounter any accidents in this life? Borrowing money and financing is the most basic financial activity for people."

"But only if the interest rate is reasonable. Usury is clearly a serious form of exploitation!" Yamashita said, frowning.

"The credit card we usually use has a 15% service fee and interest for installment payments. If it is overdue, plus a late payment fee, it far exceeds the 20% stipulated in the interest limit law. So is the credit card considered usury or exploitation? ?”

Yamashita frowned, and said decisively, "How could it be counted?"

"More than 20 years ago, the bank's loan interest rate was as high as 50%, and there were still a large number of people borrowing money to buy houses. After the bubble economy burst, housing prices plummeted, and the banks could not get back the money, so they had to use some illegal means, and even colluded with gangsters. Dao Lai Collect the arrears. So what do you think of the bank's behavior?"

The sound of small discussions gradually came from the classroom.

She lowered her eyebrows worryingly, and her thoughts gradually drifted back to her childhood.

His biological father died at that time.

She couldn't remember that person's face anymore, but only vaguely remembered that before that, her mother and her lived in a building with a courtyard, living a happy life without worrying about food and clothing.She doesn't know whether the death of her biological father has anything to do with her bankruptcy due to lack of financing, and she has no way of knowing now.

Worrying eyes fell on the chart printed in the textbook.

At that time, consumption accounted for more than half of GDP, the economy was developing almost crazily, and land prices soared without a limit.People's desires are hard to satisfy, but businesses are struggling and revenues are stagnant. Only loans can fill the gap between the two.

But after the bubble economy burst, there are only endless bad debts and people who are desperate because they can't pay their debts.

"...that is the limitation of the times." Yamashita muttered in a low voice: "Anyway, I have never heard of anyone committing suicide by selling their blood and kidneys because their credit cards were overdue."

"Because big banks need to avoid risks, they will not lend money to people who are unable to repay. Even if they do lend money, it will take a long review period." The professor smiled and shook his head.

"However, these are all digressions. As Yamashita-san said, we only need to know that loans with an annual interest rate exceeding 20% ​​are illegal."

The boy named Yamashita no longer had a smile on his face, and worry was also thoughtful.

Immediately afterwards, the professor talked about several typical usury judgment cases.

"As time goes by, economic development has gradually slowed down, information has become transparent, and it has become more convenient for usury to collect debts. Therefore, in the 15th year of Heisei, the country promulgated the Dark Money Countermeasures Law."

"One thing deserves everyone's attention." He drank his saliva, and added: "Although everyone thinks that debt repayment is justified, the law will not protect the interests of those usury who collect debts violently. Illegal debt contracts, no matter Whether it is the principal or the interest, the debtor has no need to return it.”

Someone in the classroom said half-jokingly: "Is there such a good thing?"

Worry's hand paused, and the ink stains bloomed on the clean and neat notes, as if the refill had just been broken.The black dots looked very obtrusive, she frowned and tore off the whole paper annoyed.

The professor's time was also just right. As soon as he finished speaking, the get out of class bell rang.

Worry looked at the paper full of notes in his hand and felt very ridiculous.

Even if that guy can be bullied, what does it matter to her?

He's just a wild dog on the side of the road. It's good not to bite people. Who cares about his life?

She pursed her lips, changed a pen, and re-transcribed the notes on a clean piece of paper.

There were two stylishly dressed boys standing outside the classroom. Seeing that she hadn't come out for a long time, they walked into the classroom impatiently and came to her seat.

"Mandao, do you still have class?"

After finishing the notes, You glanced at the speaker, shook his head and said, "No, what's the matter?"

The boy's eyes lit up: "Would you like to have dinner with us and sing karaoke along the way? The students from the business department will also join us."

You packed her schoolbag and stared at the boy's face for a long time, feeling familiar, but she didn't remember the boy's name.There are a lot of rich second generations in Qingying, and these two people should be the same, as can be seen from the exquisite shoes and watches.

And the boy's thoughts were clearly written on his face. She didn't want to pay attention to this kind of rotten love, so she decisively found an excuse: "Sorry, I have to work at night."

The boy's expression became visibly disappointed.

"If you want to work part-time, then there is no way..."

"What are you dragging, it's obviously an excuse!"

His companion suddenly made a sound, and pulled the boy's sleeve: "There's no need to lick her here, let's find a bar to spend some money, and then report your father's name, won't there be a lot of beautiful girls?"

He also cast a contemptuous glance at You: "I don't know what kind of work you do at night, we're sure we can meet again."

You were already in a bad mood, but when she heard what he said, she even laughed out of anger.

There are such self-righteous guys everywhere, relying on the bad money in the family, everyone has to follow his wishes.She thought viciously: if she tore up his insignificant self-esteem, threw it on the ground and stomped it hard, how would he react?

"I'm sorry." The corner of her mouth curled into a hypocritical arc, and she said softly, "I'm more shy of strangers, and I don't really want to go out with people I don't know."

After all, she had a good appearance, and the man softened his attitude when he heard her whisper, and the other person changed his words quickly: "It's fine if you don't call it the Department of Commerce!"

"I'm talking about you." Worry said lightly.

"what?"

The two were stunned for a few seconds before they understood what she meant, but You had already got up and was about to leave the classroom with her schoolbag in her hands.

This sentence obviously touched the boy's sensitive nerve.He grabbed You's arm and said angrily, "Don't be shameless, how could you not know who I am?"

Yu was about to grab the boy's hand and twist it down, when Professor Watanabe suddenly walked towards them.

With a kind smile on his face, he handed a stack of papers to You, and relieved her: "I read the paper you sent me last week, and some parts may need to be revised."

No matter how arrogant the boy was, he didn't dare to trouble her in front of the professor, so he gave her a hard look and left.

You sighed and took the paper: "You can also send it to me by email."

"Facing the cold machine all day long, I am very lonely as an old man." Professor Watanabe wiped away the non-existent tears in the corner of his eyes with his sleeve: "No boy wants to ask me out. I really envy young girls."

"Then you can catch up with them and ask them if they would like to take you with them." You said half-jokingly: "I think their elders should be very happy to associate with you."

"Drinking with a bunch of greasy old men? Spare me."

The professor wrinkled his nose in distaste: "I've been harassed enough by authority in my first half of my life."

Shrugging, she turned her attention to the paper.

The title of the thesis is "A Brief Discussion on the Social Impact of the Regulations Excluding Violent Groups".Watanabe wrote a lot of suggestions in the margins of the paper, ranging from the content of the article to the structure of the text.

She didn't expect the professor to take it so seriously, so she quickly said seriously, "I'll correct it for you within the next week."

"No, no, the deadline for the society is still far away." The professor smiled and shook his head: "But I'm curious, why are you interested in this topic in Mandao?"

Tadaomi Ando's face suddenly appeared in You's mind.

Even if he has already washed his hands, a person like him can't use his own name to get a mobile phone number, rent a house, open a bank account, pay for health insurance, or even enter a bathhouse.If you hide your identity and go to work, once exposed, you will be charged with fraud for three years.

She looked down at the thin stack of white paper in her hand.

It describes the miserable lives of countless people excluded by society, all of which hint at the final fate of that man.

"Just curious." She twitched the corners of her mouth: "More than 1000 people leave the group every year, and the employment rate is less than [-]%. Where do the rest go?"

"Last year, about 20% were arrested again for crimes." The professor replied lightly: "Once you step into that world, it will be difficult to come back in this life. The criminal record is the same as tattoos, even after ten years , [-] years, the same can not be removed."

You pursed your lips and didn't ask any more questions.

She was afraid that the more she knew, the more inexplicable feelings she would have for that man.

"In short, I will send it to you as soon as possible."

She took a deep breath and said to the professor.

"It's fine to take the time to change it, there is no big problem. And you have to make up lessons for Yuli's kid." The professor waved his hand: "He is going to take the college entrance examination soon, right? Time flies so fast."

Worry "hmm".

"If you still have financial difficulties, you can tell me, and I will find a way to apply for a scholarship for you." The professor paused: "Don't worry, it's not the kind to pay back."

The melancholy between the brows dissipated, and I noticed that my roommate was standing at the door of the classroom winking at her, finally showing a sincere smile on his face, and nodded slightly to the professor.

"Then trouble you."

The author has something to say:

This chapter may be a bit boring, but Mr. Ando is about to appear on the stage

black.The Tao and the Usury: The Light of the Right Way

But text and reality are different after all

Woo woo