When he returned to the village, he didn't talk about money at first. Instead, he used the slogan of leading the whole village out of poverty and into prosperity.
When I first came back, the whole village welcomed me and every household brought a lot of gifts to my door.
After being away from home for a few years, he didn't expect that the village couldn't even raise 200,000 yuan.
The original owner wanted to make a movie at first, but later thought it would be okay to make a micro-movie.
But no matter what he shoots, he needs equipment and money, and the village can't satisfy him at all.
While browsing the Internet, he found a lending institution and borrowed 200,000 yuan from it. Together with the savings of the old couple and his own, he made up a total of 300,000 yuan.
The final movie was a mess and no one liked it.
The family was even visited by people from lending institutions to collect the debt. The old couple had been honest all their lives, so when they were shown proof of loan repayment, they honestly sold their house and land, and also borrowed a lot of money from villagers before they could pay back the debt.
But from then on, he was burdened with a lot of debt.
The original owner had already run away to avoid debt.
After hearing that his family had paid back the debt, he came back.
He asks his parents for money every day. If his parents can't give him money, he asks them to borrow it. If they can't borrow money, he stays at home every day.
He is almost thirty years old, and he keeps asking for money like a giant baby.
He also complains and blames his parents every day for not being able to provide him with funds and connections.
He also said that his parents could not pave the way for him and should have chosen a good major for him.
But in reality, the original owner's parents didn't know anything about these things as they had been farming all their lives. Even this major was chosen by their teacher.
When he applied for the major, the teacher did not recommend him to choose this major. It was the original owner who was confused and chose it on his own.
Being complained by their son every day and having a lot of debts, the old couple looked even older.
After five years of hard work, they finally paid off the debt they owed to the villagers.
He lived frugally every day, and when he was sick he just endured it, not even willing to spend money on medicine. In his free time he would go to the city to pick up waste.
The original owner ate meat, but the old couple only ate vegetarian food.
After a meal, the old couple discussed and felt that they were a burden to their son.
At the beginning, they were incompetent and could not pave the way for their son.
Now they don’t have the ability and can’t make up their minds to let their son go out and find a job.
In the end, they both died after drinking DDT. Thinking that their son would have no one to rely on after their death, he would have to go out and find a job.
But in fact they guessed wrong. The old couple drank DDT, and after they died, the original owner went to find the person who sold them DDT to pay compensation.
In the end, we actually got him 100,000 yuan in compensation.
After getting 100,000 yuan, he moved to the county town. Three years later, when he was found, the original owner had been dead in the room for a month.
There was too much garbage in the room, and the original owner accidentally tripped and hit his head on the table and died.
…
At this point in time, the loan has been obtained.
But in fact, this loan is not protected by law at all. The original owner and the old couple did not understand it. In fact, if they did not pay it back at that time, the other party could not do anything to them. At most, they could use some violent means to collect the debt.
But what people in the countryside are least afraid of are outsiders, but the old couple was too honest and really returned the money.
An Jingzhi looked at his bank card. He had already received 200,000 yuan, and now he couldn't withdraw it even if he wanted to.
In that case, borrow more.
After putting away the bank card, An Jingzhi opened the creaking wooden door.
The houses in the village are all similar and very old. Anyone who comes here would find it hard to believe that this is a rural area in the 21st century.
No matter how you look at it, it looks like the 1970s or 1980s.
The old couple had already gone out to work in the fields. He went to the village to find the village party secretary with the second-hand laptop computer that the original owner had bought.
"Oh, Jingzhi is here?" the village party secretary said with a smile.
It has been more than half a year, and there has been no movement. In fact, the village party secretary is a little worried.
"What's the matter?"
An Jingzhi put down the tablet with a smile and opened it towards the other person.
After clicking through a few pages, he pointed to the loan page and said, "Old Party Secretary, I've been researching this for the past six months and found that our village actually has no unique characteristics at all. The roads are difficult to navigate, and the scenery is average. People who want to travel and see the scenery won't come here."
The old branch secretary's face darkened little by little.
An Jingzhi continued as if he hadn't seen it: "So I finally came up with a good idea!"
The old Party Secretary's expression softened slightly. "Tell me what you think we can do?"
"Loan!"
"What?! Borrowing money?" The old Party Secretary quickly waved his hands and said, "No, no, we can't borrow money. If we borrow money, we have to pay it back, and we have to pay interest on it. Isn't that like robbing Peter to pay Paul? No!"
An Jingzhi was not in a hurry. He moved a stool and sat next to the old Party Secretary. He smiled and said, "What if I don't have to pay back the money?"
The old Party Secretary immediately looked at An Jingzhi and said earnestly, "Jingzhi, although our villagers are not well educated, we also know the principles of being a human being. It is natural to repay debts. Our village cannot do things that will make people point fingers at us."
An Jingzhi smiled and said, "Old Party Secretary, you don't think I'm asking everyone to borrow money from the country and the surrounding villages and not pay it back, do you?"
The old branch secretary didn't say anything, but his eyes seemed to say: Isn't this what you are planning, kid?
Pointing at the computer screen, An Jingzhi explained bit by bit: "These are all considered usury."
"National regulations stipulate that if the interest on a loan exceeds four times the quoted rate of the futures loan market for one year during the loan period, repayment is exempted." [Please do not imitate, as the plot requires it!]
"What futures?" The old Party Secretary scratched his ear. "Don't try to fool me, an old man. How can you borrow money without paying it back?"
An Jingzhi read the legal provisions he had found to the other party word for word, "Now you should believe it, right?"
The old Party Secretary was a little confused as to what the other party was trying to do. "So, you really don't have to pay it back?"
"No need. The interest rates of these lending institutions have already exceeded the limit. Even if they come to us, they won't be in the right!"
"Jingzhi," the old branch secretary said with a complicated look as he looked at An Jingzhi, who was talking freely. "So, in the past six months, you have come up with such a crooked and unorthodox method?"
An Jingzhi said confidently, "Old Party Secretary, you're not right. How can this be called a crooked path? We're called eliminating harm for the people and robbing the rich to help the poor!"
"Think about it, how many people have been harmed by these loan institutions? Paying back debts is of course a matter of course, but this interest rate is clearly designed to drive people to death."
"There are also these online gambling sites. They first give you some money to get you addicted to drugs, and then they work with these loan institutions. In the end, they drain you of your money and ruin your family."
An Jingzhi said righteously: "Old Party Secretary, tell me if this can be considered as eliminating harm for the people and robbing the rich to help the poor!"
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