What happened was that Su, the mother of Yu Huan, a female entrepreneur, borrowed 1.35 million yuan from Wu Xuezhan, the boss of a real estate company, and verbally agreed on the monthly interest rate 10% (annual interest rate 1.20%). After paying 1.84 million yuan and a house worth 700,000 yuan, she was unable to repay her debts and was urged by huge profits. These 1 1 debt collectors insulted Sue's son Yu Huan by extreme means in front of her. The inaction of the police who arrived at the scene may become the last straw to crush Yu Huan, 22. In desperation, he pulled out a fruit knife and stabbed it, resulting in the tragedy of 1 death and 4 injuries. Yu Huan was sentenced to life imprisonment in the first instance. At that time, public opinion was in an uproar, and the opposition between law and emotion was infinitely magnified in this case.
Win Beijun has no intention to discuss whether Yu Huan's behavior is justifiable defense, excessive defense or intentional injury. He just wants to talk about the loan sharks who caused this bloody case.
According to the Supreme People's Court's judicial interpretation, "if the interest rate agreed by the borrower and the lender does not exceed 24% of the annual interest rate, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the interest paid exceeding 36% per annum. "
Public opinion generally believes that the loan with an annual interest rate exceeding 36% is usury, and the annual interest rate of the loan in this case is as high as 120%! Knowing that usury is illegal, why does Yu Huan's mother borrow usury? If she hadn't borrowed usury, wouldn't there be such a disaster?
In the words of Huan's mother, they mistakenly entered the usury trap and borrowed usury for "anti-lending". What do you mean by "reverse loan"? People who don't do business may not know that when production enterprises reach a certain scale, they all operate in debt, and bank loans are closely related to corporate cash flow. When one loan is outstanding and the next loan has not been approved, many enterprises will need to "write off the loan".
When financing in the industry was expensive and it was difficult to renew the loan, Yu Huan's mother did not choose to stop production. She chose usury and crossed the bridge for a short time. When the next bank loan comes down, the rotation of the industry may have a breathing space, but she didn't wait for the next bank loan. Although the industry recovered later, all this was out of her sight!
Yu Huan's mother, Sue, was forced to loan sharks, and she almost won the bet. Although it is tantamount to drinking poison to quench thirst, she has to make this decision at a time when SMEs are in financial difficulties. Unfortunately, the current administrative and state-owned financial systems are biased towards state-owned enterprises and central enterprises. In addition to state-owned enterprises and central enterprises, large private enterprises and foreign-funded enterprises are relatively more popular, while ordinary private small and medium-sized enterprises are often resigned. Financial institutions are less in need of timely assistance and encounter more difficulties. Those who really need financing are rejected thousands of miles away, and those who don't need financing are sent to the door.
It is inevitable that financial institutions favor large enterprises, and small and medium-sized enterprises lack credit and receive less financial support. The problem is that the market competition faced by our small and medium-sized enterprises is not fair enough, and there are even fewer channels to obtain formal financial support. Without a fair market environment, small and medium-sized enterprises will inevitably get less resources, including financial support, so usury has become the main channel for working capital of many small and medium-sized enterprises. Many small and medium-sized business owners said that they had never obtained loans from banks. Of course, they all have their own methods. Unfortunately, however, the cost of any of these methods is higher than that of banks.
It can be seen that there is still room for the construction of our financial system, with more diverse and diversified financial market entities and more multi-level and diversified financing channels. However, at present, financing channels are extremely scarce, and countless small and medium-sized business owners in Yin Xia, Su Like are in deep financing difficulties.
In this context, win-win finance emerges as the times require. By using the technology and concept of asset securitization, the stock assets of small and medium-sized enterprises can be revitalized to solve the problems of financing difficulty and high cost for small and medium-sized enterprises. According to the actual situation of small and medium-sized enterprises, Win Bay Finance has tailored a very exquisite financing structure for them, either with inventory pledge or accounts receivable pledge, and then introduced a powerful asset pricing and disposal institution, relying on the risk control of Win Bay Finance's international investment bank, to ensure the perfect cash of investors' principal income and achieve a win-win situation for financiers and investors!