Okura was very polite when he came in and didn't sit on the sofa. Instead, he took a mat and sat at the bottom.

The abacus sat high up, and when Okura didn't dare to sit on the sofa, he was not polite.

Originally, Abacus is usually a cold person and usually doesn't joke with others.

Especially for someone of a younger generation like Okura, and their family is orphaned and widowed, I have the impression that they are used to despising him.

"You're here to pay back the money for your third uncle, right?" Abacus asked Okura with his eyelids drooping.

Okura nodded: "Calculate how much my third uncle owes you, and I will pay it back for him."

A big abacus is a big abacus. There is always a big abacus on the counter of the consignment point.

No matter how much something someone bought, he would type it out with a big abacus, hence his nickname.

Now there is a big abacus on the coffee table at his house. He pulls it over and starts doing calculations.

After he finished the calculation, he raised his head and said, "Just give me another one thousand eight hundred and sixty-three dollars, that's enough."

Okura smiled: "Uncle, let's settle the accounts. How did you settle the accounts? You have to explain everything to me."

"Is there any explanation for this? With principal and interest, you still owe me this money in total."

"Then you have to explain to me how much is the total capital and how much is the total interest, right?" Okura said and took out a wad of money from his pocket, "otherwise I will give you the money and you can't say no to my third uncle when I go back."

clear."

The abacus looked at the money in Okura's hand and thought for a while: "Go back and tell Bingli that if the difference between principal and interest is just this amount, he will know what's going on. If there is something wrong, let him come to me again.

"

As he said that, he moved towards the money in Okura's hand.

It means asking Okura to give him the money quickly.

"But I don't think it's right to just suck it now." Okura said with a smile, with a more humble attitude:

"My third uncle lent you three thousand yuan, right?

Last time I went to the veterinary station to collect feed, I paid 2,300 and the veterinary station deducted it. Who deducted it for you?

Then my third uncle comes back to you, and you mark his IOU as having repaid two thousand three thousand.

Besides, here is the order that my third uncle made when he went to haul feed.

The order was issued, the money was paid, but the feed was not given. Look at the order. I also brought it.

This should be correct, right?

If we add more than 1,800, it becomes more than 4,000. What's going on?"

"Don't you understand what's going on?" The abacus stared at Okura with his triangular eyes, and said surreptitiously, "You have been wandering around in the past few years, and you can be considered a businessman. Don't you know how to borrow money?

Interested?"

Looking at the posture of the abacus, I don't know why, the anger in Okura's heart suddenly rose to the sky.

This old boy was so fat that he was as fat as a pig, and his triangular eyes looked like pig eyes.

It's not fun at first glance, it's annoying to look at.

If you listen to his tone again, you can tell he wants interest from him.

But has he ever thought that he almost drove his third uncle’s family to death?

"Uncle, your interest rate is a bit too high, isn't it?" Okura shouted with a surprised look on his face:

"Three thousand yuan. My third uncle has only used you for more than twenty days so far. Does this cost more than a thousand yuan in interest?"

It’s hundreds of times higher than bank interest!”

"Why are you making such a fuss?" The big abacus' face sank, "If you don't want to pay back the money, leave quickly and let Bingli come and talk to me."

As he spoke, he slapped the big abacus in his hand forward.

Angry look.

"Uncle, it's not that I don't want to pay back the money." Okura softened his tone, "I just thought that the interest rate was too high. Did you make a miscalculation?"

"Can I be wrong?" said the big abacus:

"I've been doing this for half my life.

I'll let go of any kind of interest.

I'll let it go even if the interest rate is higher than your third uncle's.

Those who keep their word and pay back the money on time will have low interest rates.

If someone like your third uncle doesn't keep his word and doesn't pay back when the time comes, the interest will be high.

These are clearly written on the IOU.

From the day it matures, the interest will go up.

Moreover, the capital cannot be calculated as three thousand, but the previous interest is added, so not only is the interest high, but the capital is also high."

Okura exclaimed: "Isn't that just compounding profits? The donkey is wallowing? I learned when I was in elementary school that the old wealthy landlords in the past used usury, which is compounding profits and the donkey is wallowing."

"What nonsense are you talking about!" Abacus said angrily:

"Who is the rich landlord?

I am an agent of the Agricultural Bank of China, and I am lending money officially.

Liang Bingli's loan from me was overdue, so the interest rate was high.

You go, go, go, I won't nag you, let Bingli do it.

If he doesn't settle the account with me, he won't be able to produce feed for a day.

If you delay it any longer, the interest will continue to rise.

Let him figure it out for himself."

It was obvious that Abacus had fallen out with Okura and kicked him out.

Originally, I had just heard my youngest son call Okura, and I felt a little guilty.

I was afraid that Okura was here to make trouble with him.

After all, Liang Bingli's three thousand chickens all starved to death because they didn't get any feed.

I heard that Liang Bingli and his wife were going to drink medicine and hang themselves in the past few days.

The abacus is actually afraid that if something happens to Liang Bingli, his money will not be returned.

The reason why he forced Liang Bingli so hard was because he thought he could still force him to give him money.

Because he heard from Liang Bingli's words that Liang Bingli did not ask his eldest nephew to borrow money when he took up the matter.

What Liang Bingli meant was that Okura contributed a lot to his chicken farm, and he had already borrowed Okura's money, so he could no longer embarrass his nephew.

Of course, the big abacus thinks that Okura probably doesn't have much money either.

The year before last, people in the village said that Okura made more than 30,000 yuan by contracting the brick kiln in the village.

It even provoked Feitian Village Chief to fight for the brick kiln.

For this purpose, I put four thousand yuan into my abacus.

They have been fighting Feitian for a long time, and eventually Feitian dies and it becomes a dead end.

The big abacus knows that lending money involves certain risks.

There will always be dead debts and bad debts.

Think about it, if you have a rich family, who would borrow money from you at usurious rates?

Anyone who comes to borrow money does so because they are short of money and have no other choice, so they borrow high-interest loans.

With such high interest rates on loan sharks, borrowers not only have to repay the principal, but also high interest rates, which they often fail to repay.

Regarding these risks, the abacus is clear.

But what he knows better is that since we are lending money at high interest rates, we should be mentally prepared to accept a certain amount of bad debts and dead debts.

He calculated that assuming an average of ten loan sharkings occurred, one bad debt occurred, and would never be recovered, then the interest from nine loan sharkings could completely offset the money from this bad debt.

In addition to being worth it, there is also residual interest.

In other words, even if there is a 10% bad debt rate, loan sharking is still a very profitable business.

What's more, he is very cautious in lending, and will either not lend or lend less to borrowers with poor repayment ability.

Try to keep risks to a minimum.

Therefore, its bad debt rate is extremely low.

Over the years, he has also made a fortune through loan sharking.

Of course, in addition to being cautious in lending, the methods used to collect loans are also cruel and cruel, and they use all possible means.

Most people in the village are aware of this characteristic of his.
To be continued...