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The author:(作者)aaapublished in(发表于) 2014/7/16 9:14:42 Shenmu loans crisis money myths： millions of indebted hard debt
Shenmu County in Shaanxi Province, contains a large number of high quality coal, back when coal prices soared, creating many "riches myth." Ironically, these people are borrowing mine, real estate, business, lending ... ... Street microfinance companies, big and small, pawn shops, and business is hot, private lending prevailed.
But with the sharp fall in coal prices and profiteering era end, a lending crisis erupted, a lot of people not only penniless, also owing a huge amount of debt. Some of them choose to run, evading debts; while others chose to stay, not unconscionable, an amount difficult to repay.
The legendary "tens of millions of indebted"
Ironically, Wang Yao just a celebrity. He is famous not because of anything else, but because millions of debt owed. Wang Yaogang was not tall, easygoing. Used to write poems and essays, and published many works, is one of the local "intellectuals". That year witnessed many "riches myth", he decided to abandon the business.
But the cruel twist of fate, from 2005 to 2010, Wang Yaogang times investing in coal mines, coking plants, have failed for various reasons, will not only fail to make money and still owe tens of millions of debt. "On the back of so much debt, I'm suicidal, are divine. "Wang Yaogang said," but I'm dead, my wife and kids how to face? Friends and relatives of those who trust me, how to get money back? ”
"There's no way, I can again choose to buy coal mine, the only way to make a fast buck, to pay off the debt as soon as possible. "Wang Yaogang said that in 2012, he was high interest loans at pawn shops and bought a small coal mine. Thanks to the good luck, when coal prices are not low, let him pay off much of the debt has also opened two restaurants.
"I'm still a shortfall of 2 million or 3 million dollars external debt. Current efforts to manage these two stores, wants to pay off the debt as soon as possible, on the one hand, on the other hand allows creditors to rest assured, there are shops in, I will not run. "Wang Yaogang said.
Debt collection days, Wang Yao had just tasted human well-being. "I've been a dozen fellow stuck in hotels, does not repay the money, don't let go, had received more than more than 100 debt collection phone calls a day. There is also a friend, I gave him a security borrowed 2 million, but he has run in the credit crunch. I had to carry the debt, even with interest another 3.9 million. ”
Wang Yaogang said some creditors, reasonable and understand his situation. "Some people like to eat the dish in my shop, agreed to let me use coupon dingzhang, I have to return some money from time of 35,000. ”
Sacred folk debit and credit crisis last year, run in debt, default, Wang Yaogang debts is well known. "Now the tree is needed this man of integrity, is willing to play, Wang Yaogang sets an example. "Local officials told reporters.
However, the notoriously Wang Yaogang also has new troubles, originally not DUN people who walk in the door, and urged him to return the money. Door to some creditors also said mockingly: "you're not positive energy? You are not the typical figure? Why isn't there money? ”
Now, Wang Yaogang every drive an old Alto car went to the market to buy vegetables, bargained with the vendors. "Overall, the most difficult time has passed. I am now make earnest effort to find ways to put the rest of the debt. Future business and steady, speculation do not touch the thing again. "Wang Yaogang said.
"Dual identity" old King
A 63-year-old King came to Wang Yaogang store looking for him, the two men met "pull something", both sit down to smoke. Say, old Wang is one of Wang Yaogang creditors, Wang Yao just owe him hundreds of thousands of. But he never stop, Wang Yao was known as "brother".
"Brother still owes much of his debt, to pay off debts can sell the home is sold. But he never pushed me, too good. "Wang Yaogang said. Since "misery loves company", they still meet regularly to talk of "confidences". Old Wang said: "Wang Yaogang is an honest person, the money will surely give me, no money, I was killing people is useless. ”
Lao Wang opened a pawnshop in previous years, wiped out in the credit crunch, now owes external debt of more than 7 million Yuan. "Earlier this year had earned some money invested in with others, I just want to go out, results not only lose yourself clean, with sons, daughters and all the money lost and still owe the money. "The old King said he felt sorry that the kid.
As a creditor, the old King had the grace, but as a debtor, he was struggling. "In order to maintain the family's livelihood, I had a shop, open shop. Creditors night kicked the door, gives me all the doors and Windows smashed. Some creditors also take me to court, 27 I spent last year classrooms, for new year's in prison for half a month. "The old King said:" I have had, but they wouldn't let me, push me down now. ”
"They do that to me, but I can't do that to people. "Old King paused, it added.
A couple of lives lived in the village, Wang never wanted to run, but debt worries about his one bed one night unable to sleep. Family House, valuable items, sales, mortgages are all out. "The property is lost, and you have two ' share ', but it is not money. I can only back a penny, a penny to anybody else. Sometimes no way, I can only be a 32,000, 1.1 points. ”
Old Wang said: "I told creditors that, some time you can wait you wait, can't wait, I can't ... I am not a cheat, and just have a bowl of noodles on the line, usually do not spend a dime. I have more than 60 years old, and debt pay a token, not owe debt of conscience. ”
Talk about past, old King regretting: "ought not to do pawn shops, loans. Lifetime care, in a moment of rashness with wind, planted a big somersault. Or not as it is today. ”
"For the brothers to pay the debt," Gao
Good Barber and Wang Yaogang storefront a few blocks, but remain in the downtown area of Shenmu County. Storefront is small, twenty or thirty square meters, net profit at about 10,000 yuan a month. If it is not burdened with a debt of more than 2 million, and 30 high life is quite stable.
"I used to do for hairdressers and eating by skill, in Shenmu County, bought a House, buy a car. 2010 quit, when coal prices higher, trying to make a lot of money, took out 500,000 savings, followed my brother to selling coal. "GAO said," first-year business line, later to die, and lose a lot of money. ”
In business during the GAO not only to his own pawn to borrow money, was also done for brother guarantees. Business lost, brother disappeared. "My debts I have, he (his brother) ' debt to me. I owe less, mainly is to give him more than 2 million debt. ”
"Brother, I haven't been acting as a guarantor, it is the sacred side of the rules. "GAO said, when easy money, did not carefully calculated, did not have a good plan, where the thought of where to play, big spenders were all spent.
"The dream", in order to repay, GAO had to sell the House and car, and find a friend to borrow some money straight back opened barber shop. Living, debts.
"I'm not going to run away like a brother, 2 million or 3 million accounts, which I think I will always pay off. Is a little more, and owe tens of millions of, where you can go, there is always time to come back to face. I also have children who, if I ran away, and that in future people will be children, saying, that the deadbeat dad who runs away, children looked up to? "The GAO said.
"The lesson from this incident are fed up, and I don't borrow money like crazy to go after higher-margin. Is my old, children and grandchildren on the community, I don't let them go. After how many how much money you spend, not lending, not speculation. "GAO said," used to be the people around you are doing, themselves are not the ideas, listening to someone say, who borrow to earn tens of millions of, he was blinded. Sane people or normal business, going to work, now on hand is rich, not affected at all. ”
Now, every day, the busy gap, Gao will often think of run's brother, "I do not know how is he now? "(Xinhua Jiang Chenrong)
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