Produced by the positive solution, the source of the first picture: “Dark Golden Ugly Island”
In Japan, there is a phenomenal cartoon with a total of more than 17 million sales for 15 years in a row. Its name is “Dark Gold Ugly Island Jun”.
After the work was finished in China, each Douban score was around 8.0.
Adapted into TV series and movies are both applauded and well-received. Some people commented: “This kind of work can change your life more than any soul chicken soup.”
But behind such a work, there is a big scar in Japanese society: usury.
Today, I will use comics as a clue to talk about Japan’s crazy loan sharks.
Annualized 1825% interest
The main character of the comic is called Ugly Island, and dark gold is his profession.
Frankly, he is a loan shark.
The usury is available in almost every country, and it has been hit to varying degrees, but it is always forbidden. For Japan, usury is a big cancer that is difficult to cure.
The biggest feature of Japan’s loan sharks is super high interest short-term loans.
In Japan, most of them use a 10-day loan cycle. Usually 10,000 to 50,000 yen (660~3300 yuan) quota, the most common interest rate is divided into:
トイチ(10 days 10% interest), annualizedInterest rate 365%,
トサン(10 days 30% interest), annualized interest rate 1095%
トゴ(10 days 50% interest), annualized interest rate 1825%
Japanese law stipulates that the highest loan interest rate should not be higher than 20%, which shows that the high interest rate for usury loans is staggering.
Flyers distributed by usury
When it comes to usury practitioners, many Chinese people have traditional impressions of big gold chains and small watches, three small barbecues a day, dragons in front of dragons and dragons in front of them, walking and swinging and chattering. This is not the case for Japanese usury practitioners.
Although Ugly Island always looks unsmiling, he asks his people to be polite to those who borrow. It is the ultimate use of the essence of the Japanese service industry.
The whole loan process is full of friendly and friendly atmosphere, the loan process is also very simple, just leave the user’s identification, and then asked for home address, work address, phone and other information.
But behind this politeness is often hidden another side, sometimes just to increase the user’s trust, so as to let users relax their vigilance.
>
In fact, at the height of Japan’s consumer finances, attentive men and women with portable tissues can be seen everywhere in the streets, and many people who do not know the truth will be surprised that the Japanese are really attentive, but they will It is found that most of the above published are advertisements of such usury merchants.
In order to find more accurate target customers, Ulead Loan has set its sights on gambling venue advertisements, journals and magazines such as horse racing and billiard rooms. There are many people who are unable to extricate themselves from the gambling vortex.
In the first scene of the manga, the billiard room has not yet opened, and a housewife came to the company of Ugly Island early.
Each person only borrows 30,000 yen from Ugly Island(1987 yuan) It seems that there is not much money, but this batch Housewives are serious addicts to the billiards room. They feel uncomfortable if they don’t play one day. Without money, they can only find loan sharks like Ugly Island to borrow. They always think they will turn over by winning money.
The winning rate of the billiards room is under control. Generally, laymen can’t win at all, and these housewives will only sink deeper and deeper.
Since the Ugly Island opened a loan shark, the interest rate is even exaggerated. Each housewife only borrowed 30,000 yen, but the owed note was 50,000 yen.
Because the interest of 15,000 yen and the handling fee of 5000 yen have been deducted.
The interest for one day will be 30%. If the housewives who borrowed money did not win 50,000 yen today, they would have to pay another 15,000 yen tomorrow. They will not repay the money for 2 consecutive days. The 30,000 principal paid out has already been recovered, but the 50,000 principal on the debt has not been cleared at all.
It is this unlimited snowball interest rate method that causes many housewives to owe hundreds of millions of usury loans. They do not work and have no financial resources. Naturally, they have no ability to repay, and their husbands will pay back the debts. . Therefore, there are not many people who are going to the tragedy of home ruin.
On Ugly IslandIn the eyes of usury practitioners, the housewife is the most precious guest.
Sell your debts, and you will die as soon as you die
Some people may ask, since they know that these housewives are not able to pay, are they afraid that they will not pay?
Since ancient times, What is closely related to usury is the violent collection industry. The same is true in Japan. Since you dare to lend you money, there is naturally a way to recover it.
In the first scene of the manga, the housewife Miss Kayama who borrowed 30,000 yen in the morning came to the Ugly Island company at night and wanted to borrow another 10,000 yen to go to the billiard room tomorrow, but Ugly Island has not given her any Opportunity, threatened to ask his husband for money.
She is fighting a lawsuit with her husband over the issue of divorce compensation. Naturally, she does not want her husband to know about this scandal, fearing it will be bad for the judgment.
In order to repay the loan, Miss Gasan can only sell her body and pay back the money.
It is said that the younger and more beautiful women are, the easier it is to get loans.
Actually, in real life, there are not many people who are owed huge debts and are forced to join the custom industry.
Young women still have a way out, but older women may have only one way out.
Usury-illegal high interest & violent collection
In 2003, in Yao, Japan, a 69-year-old woman was unable to repay high debts. She accidentally committed suicide with her 61-year-old husband and her 81-year-old brother.
The reason why the old man is on the road to no return is because his husband has a disability in his feet and usually works as a cleaner. There is almost no income, and the old woman can only live by doing odd jobs. Slack.
Because of applying for personal bankruptcy in the early years, the old women in regular financial institutions have been unable to borrow loans.
In order to pay for the rent and her husband’s treatment, she can only choose an informal lending institution with a more relaxed loan review, so she borrowed 30,000 yen from a usury company under the usury of usury(1980 yuan), only 15,000 yen was actually received(990 yuan), this 15,000 yen is a high amount of beheading.
The old woman also naively thought that the loan would be repaid after two days of slack, and she also happily told her friends that if the short-term loan is immediately repaid, the interest is only 2,000 yen.
Who knows the loan shark but informed her that: Every week, 15,000 yen of interest must be paid, requiring a total of 153,000 yen(10124 yuan RMB) to the designated account.
From 15,000 to 153,000, the old woman’s loan has swelled like a snowball.
In the eyes of the police, usury is not a major case
The old woman is not withoutThe police told her that the interest of usury was beyond the scope of the law, but because of the principle of civil non-intervention by the Japanese police, it was wrong for us to borrow usury, and as a result the police did not take timely action against usury operators.
Ultra loan practitioners who didn’t receive a payment quickly jumped the wall and intensified, constantly urging the old woman to repay the money and threatening to kill her. In the evening, unidentified men often knocked on the door violently, not only harassing the old woman, but also the 81-year-old brother and neighbor who were the guarantor and the place where the old woman worked odd jobs were harassed by the loan shark.
Under constant intimidation, the old woman’s mental defense line collapsed completely, and after leaving her suicide note against Ugliness, she and her husband and brother found short-sightedness.
XXX, please contact us, we will visit every day
The violent collection methods of loan sharks in Japan can be described in a variety of ways.
In addition to the most common harassment of calling and harassing the company regardless of day and night, the most poisonous one is to use the name of the borrower to order a variety of takeaways, pizza, home customs, ambulances, and the most ruthless is Directly provide door-to-door service for the funeral industry…
According to statistics, 35% of the annual suicides in Japan are caused by multiple debt problems. After being harassed by violent collection, they have no choice but to embark on the suicide road.
Japan, once a shark’s paradise
Personal consumption is an important force driving economic growth. The Japanese government is even more important.
Relevant data show that in the 1990s, Japan’s personal consumption accounted for more than 52% of GDP, and then it oscillated all the way up to 57.8% by 2005.
So, Japan has also to some extent condoned the development of these loan sharks.
>
In 1983, Japan enacted the “Loan Industry Regulation Law”, and many consumer finance companies emerged.
These Japanese consumer finance companies have the characteristics of short review time and loan on loan.
In particular, in the 1990s, Japan’s bubble economy burst, and many people were blacklisted by regular banks because of housing prices and stock market crashes.
To borrow money, often only find these consumer finance companies.
Of course, many of them are just under the guise of consumer finance companies, in fact, usury.
When the Japanese loan industry was at its peak, consumer finance companies made a fortune.
In 1999, Takei Takeo, the founder of Takefuji, the largest consumer finance company in Japan, took the position of Japan’s richest man. At that time, he ranked first in Japan with a value of 7.8 billion US dollars.
But everything has its pros and cons. While stimulating consumption, consumer finance has also brought about three of the most serious problems, also known as the “three evils of gold consumption”: long-term borrowing, high interest rates, and violent collection.
In 2005, more than 5 debt lenders in Japan had reached 2.3 million, and as many as 184,000 people were insolvent.
But loan sharks, for individuals, as the so-called, borrowing money for a while, repayment of regret.
The Ugly Island mentioned at the beginning of the article also said: Money can borrow you, but you will go to hell.
The price of any attractive fruit is marked behind.