The first customer was a 27-year-old female office worker who borrowed money to buy a brand-name mobile phone and a brand-name computer.

Xu Xiaoan was very puzzled when looking at the documents. What kind of mobile phone or computer would cost 50,000 yuan to buy? Strangely, the company still gave him the loan.

According to the address, the two came to the village in the city. The surrounding houses were dilapidated, like another dimension.

"I have money to buy a high-end mobile phone, but no money to buy a better residence?" Xu Xiaoan kept wondering.

Xiao Shen is used to it. “Some people just have that kind of spending habits. Once you see it more often, you won’t find it strange anymore.”

As they were talking, the two arrived at the door of 402.

Xiao Shen took a deep breath, slammed the door, and shouted fiercely, "Is anyone there? We are from the xx platform, and we are here to collect debts!"

Xu Xiaoan, "???"

She looked at Xiao Shen in surprise, not understanding why he turned so vicious in an instant.

When you visit customers, shouldn't you be friendly and sincere?

"Is anyone there?!" Seeing no one answered, Xiao Shen knocked on the door again.

"Stop it." No one responded from 402, but an old man came out from 403. "There's a girl living in 402. She's been asked to pay her debts every few days, but she never opens the door."

"I advise you not to waste your energy and go back as soon as possible."

"No way!" Xiao Shen kicked the door and threatened in a hoarse voice, "I won't leave until I get the money!"

Xu Xiaoan was completely stunned and stared at Xiao Shen's performance.

It is hard to imagine that a seemingly gentle person can act wild, swear, and be as brutal as a gangster.

The old man sighed and pointed to the corner, "Little brother, there is a surveillance camera installed there."

Xiao Shen suddenly froze.

"I owe money to several platforms and I have rich experience in dealing with debt collection. Go back." After saying that, the old man no longer cared about the two of them and went back to the house.

Xiao Shen glanced at the surveillance camera and the motionless security door, pursed his lips, and then said unwillingly, "Let's go."

Xu Xiaoan had a dazed expression as he followed behind, walking away step by step.

After leaving the village in the city, Xu Xiaoan was still confused for a long time, "What the hell is going on?"

Xiao Shen glanced at her and said, "Don't you understand? If you don't pretend to be a gangster when you go to collect debts, the debtor will insist that he has no money and refuse to pay up."

"Only by intimidating and forcing the debtor to be fearful will he turn to his family for help and try every possible way to raise money."

"If you're not fierce enough, they won't even pay attention to you when you ask them to pay you back."

Xu Xiaoan was shocked when he heard this. "You owe money and you deliberately don't pay it back? Isn't that a deadbeat?"

Xiao Shen laughed sarcastically, "Some people come to borrow money online just because they think they don't have to pay it back."

Xu Xiaoan felt horrified when he heard this.

"Do you know why the after-sales department is short of staff?" Xiao Shen said.

Without waiting for Xu Xiaoan to speak, he answered his own question, "It's because no one with a conscience can do this job."

"If someone splashes paint on the door, breaks into someone's house without permission, or causes violence at home, and the illegal behavior is captured by surveillance cameras, they may go to jail."

"It is said that debt collectors are fierce. Debtors are pitiful because they cannot pay back the money, and creditors are even more pitiful because they cannot get back their principal!"

Xu Xiaoan stared at Xiao Shen in a daze, unable to speak for a long time.

"This job is not something that ordinary people can do. You were transferred to our department because you were cheated." Xiao Shen said as he walked out, obviously planning to visit the next customer.

Xu Xiaoan's mind was in a mess, and she felt mixed emotions. Seeing that Xiao Shen had already walked away, she took a deep breath and followed him stubbornly.

**

The second customer was a 32-year-old male, the owner of a private company. The reason for the loan was that the funds were not turning over smoothly and he needed cash flow to revitalize his assets.

Judging from the fact that the loan has not been repaid for three months, it is obvious that it has failed.

When I arrived at the residence, the door was open. Two burly young men in black suits, looking fierce, were blocking the door.

Looking into the room, I saw a middle-aged man standing by the window, shouting hysterically, "I told you, I have no money and can't pay back the loan!"

"The house has been mortgaged, valuables have been sold, and the family can barely afford to eat!"

"If you push me again, I will jump out of the window. When a person dies, his debts are wiped out, and the disaster will not affect his family!"

Xu Xiaoan was stunned.

In the corner, a woman in her thirties was holding her five-year-old son and crying silently, her eyes full of fear.

...Looking at this scene, Xu Xiaoan wanted to pay money to show his love, let alone debt collection.

After standing outside the house and watching for a while, Xiao Shen sighed and said, "Let's go."

Even if I continue to stay, I won't get my money back, so there's no need to waste time.

Xu Xiaoan was in a very mixed mood.

On the way back, she couldn't help but ask, "The family is in such a difficult situation, why do you still want to borrow money?"

Xiao Shen: "Businessmen often have difficulties to overcome."

"If I can borrow money and make ends meet, I might be able to get through this difficult time. If I don't borrow money and get into a lot of debt, I'll definitely go bankrupt."

"It will all be over sooner or later anyway, so why not borrow some money and give it a try? What if I can pull through?"

Xu Xiaoan couldn't believe it. "Why would the company agree to lend money to such a customer?"

It's simply a joke with investors' money!

Xiao Shen sneered, "Except for students who don't know how to be stingy with money, who would borrow money from a p2p platform unless they are penniless? The annualized interest rate is 24%."

"The platform has absorbed so much capital. If it doesn't lend out the money, who will pay the interest?"

"Businessmen like him are still good, at least they don't deliberately defraud loans. Some cancer patients conceal their medical history and borrow money crazily on various platforms, intending to enjoy themselves before they die. Anyway, they are dying soon, so there is no need to worry about their future."

"These are all bad debts and doubtful debts, and risk reserves must be set aside."

Xu Xiaoan felt that his three views were completely shattered and his faith collapsed.

During the on-the-job training, the manager always told them that the company's products were as safe as bank deposits. After hearing this so many times, she believed it and didn't investigate further.

Now, how can it be as safe as bank deposits? It is clearly a lie!

Xu Xiaoan suddenly remembered what his cousin He Xin had said.

"…Why don't you go to a bank when you need money, but go to a financial company to borrow a high-interest loan?"

"According to normal people's thinking, even if borrowing money is troublesome, they will choose low interest rates, unless they cannot borrow money through normal channels."

“If the funds are allocated in one or two days, how can we ensure that the money lent out can be collected back?”

"Your company is an intermediary platform, acting as a bridge to match funds and facilitate transactions."

"High risk, high return, totally unsuitable for elderly people to invest in, and not as safe as you say."

…

Thousands of words can be summed up in one sentence, "It doesn't sound like a reliable company, quit your job and find another job."

I used to think my cousin was old-fashioned and unwilling to try new things. Now I realize that she is the one who sees things most clearly.

What insiders? It's hilarious! I was cheated and still kept in the dark!

Xu Xiaoan felt bitter in his mouth and a trace of regret arose in his heart.

**

In the evening, Xu Xiaoan dragged his tired body back home. Facing his mother, he moved his lips, but didn't know how to start.

"You've been busy all day, you must be hungry," Zhang Rong said as she prepared dinner.

"Mom, I have something to tell you."

It was impossible not to tell the truth. All the family savings were invested in the company's financial management. Xu Xiaoan gritted his teeth and told everything he had seen and heard that day.

"Bang." Zhang Rong's hand shook, and the porcelain bowl fell to the ground and broke into pieces.

"So, buying your company's financial products is very risky?" Her voice trembled, with unspeakable panic on her face.

"Yes." Xu Xiaoan admitted it reluctantly.

"You kid! Why did you lie to me before and say it was as safe as bank financial management?" Zhang Rong asked.

She couldn't calm down after hearing the bad news. The family had saved 300,000 yuan through frugality, but now it was all on the platform!

If something goes wrong...

When Zhang Rong thought about it carefully, her eyes went dark and she could hardly stand.

"Mom! Mom!" Xu Xiaoan quickly supported the person.

She explained in a confusing manner, "I was also deceived... That's what they told me during the training... I thought it was very safe, so I recommended it to you."

"You just believe what others say. Tell me, are you stupid?" Zhang Rong was furious.

"Xinxin came to our house for dinner and reminded us. You insisted that she was ignorant, uninformed, and talking nonsense, and you swore to me that the product was safe."

"What are you telling me now? Were you cheated? The product is dangerous and unsafe? Then how dare you guarantee it before?!"

"I was stupid." Xu Xiaoan knew he was in the wrong and did not argue. "Mom, don't rush to pursue the responsibility. Redeem the financial products quickly."

"Yes, yes, yes." Zhang Rong didn't bother to clean up the porcelain pieces on the floor. She quickly opened the mobile app and marked a low price, intending to transfer the investment agreement.

Different p2p platforms have slightly different products.

Some are financial products that must be purchased and held to maturity.

Some are bidding. Good projects need to be snatched up, and after the winning bid, the amount is transferred, and the purchase is considered successful. If the investor wants to withdraw the money midway, he can mark the price and transfer the project.

When others see that the project is good, they will pay the agreed amount and take over the contract.

After listening to her daughter's work experience, Zhang Rong felt anxious and marked an ultra-low price that almost broke even.

You should know that interest is calculated on a daily basis. If you invest 120,000 yuan and the annualized interest rate is 12%, you can earn 1,200 yuan a month and 40 yuan a day.

When transferring, the price is usually the current interest plus the principal. For example, if you hold it for five days, the price will be 10,200.

As for Zhang Rong, she didn't want any interest and just wanted to get back the principal.

Seeing that all the interest would go to the receiver, some people immediately rushed to buy the shares.

After the principal arrived, Zhang Rong couldn't wait to apply for withdrawal.

The system shows that it will take 1-3 days to transfer the money.

Zhang Rong clasped her hands together and chanted, "Please bless me, Bodhisattva. I will definitely be able to get it out smoothly."

Xu Xiaoan huddled aside, bowed his head and admitted his mistake, turning on the sinner mode.

The author has something to say:

Many salesmen actually don’t understand. They sell to investors in the same way as the company trains them.

So when the p2p crisis occurred, the staff also had money trapped in it.

After working hard for several years, the salary I earned is not as much as the money I lost.

**

"The Financial Management Lesson of the Rich Man of Babylon" is a book that is easy to understand. If you are interested, you can take a look.