The author of usury

The author of this book, Ren Zhiping, male, was born in 197 1, a hot spring native of Zhongyang County. Graduated from Shanxi Bank School, majoring in urban financial management, he is currently the chairman of Shanxi Zhongyang Shunfa Refractory Company. Lvliang CPPCC member, Lvliang Federation of Industry and Commerce member, Zhongyang CPPCC member, NLD member. He has successively won honors such as demonstration unit of Shanxi Federation of Industry and Commerce, advanced unit of Lvliang's glorious cause, advanced collective of Lvliang's glorious cause, special hero of highway connecting every village in Zhongyang County, Shanxi Province, and advanced individual supporting public welfare undertakings in Zhongyang County. Ren Zhiping is a typical usury slave, and he has not completely got rid of the magic circle of usury. In 2002, he invested 6,543,800 yuan to open a small refractory brick factory, and in more than three years, he grew into a large factory with 40 million yuan of fixed assets. In the second half of 2005, Ren Zhiping wanted to build a third factory to produce high-grade refractory bricks in order to seize a bigger market. Because the money earned by the factory is basically used for expansion, there is not much liquidity at hand, and there is still a funding gap of more than 6,543,800 yuan for building a new factory.

At the end of 2008, the crisis of private lending broke out in Lvliang, and many people who were once rich disappeared overnight. Only before and after the Spring Festival in Zhongyang County, dozens of people fled, leaving a large number of "creditors". Will Ren Zhiping be the next to flee? On the 28th of the twelfth lunar month, on the Yellow River Bridge in wubu county, Shaanxi Province, the Yin Qing Expressway is near the Spring Festival, and there are not many vehicles coming and going. Ren Zhiping stood by the railing of the bridge, staring blankly into the distance. The phone kept ringing, but he ignored it. There is a thick account book in his car, which contains the details of business operations and liabilities.

"I hope someone can see these things after I die. The enterprise is not that I can't fail, but that I have been eaten by usury. " He wants to jump into the Yellow River from this height of tens of meters and end his life. The weather is not very cold, and the dust rolled up by the strong wind pulls Ren Zhiping's thoughts back to the past. The past is long and the years are like yesterday. "How did I get to this point? What should I do? " He shouted at the Yellow River. The Yellow River didn't answer, and his daughter sent him a short message: Dad, are you still busy? We are making your favorite oatmeal. Will you come back? Don't forget to buy me firecrackers if you come back. Looking at this information, he burst into tears ... "Why don't you answer the phone? What do you do? Have a director? Interest has been delayed by 10 days? " The information was sent by Mr. A, the lender, and Ren Zhiping ignored it. He borrowed 2 million from Mr. A, and paid off nearly 4 million in interest for three years. "When will it end?" ! "

There are so many workers waiting to get the money for the Spring Festival, but not everyone, even the lenders, has made money ... After careful consideration, the grief and indignation gradually calmed down. "I didn't do anything wrong, why should I escape!" Then, drive away.

Or Ren Zhiping can run away like everyone else and let those creditors go to hell; Or the enterprise goes bankrupt. "This is the only pile of thunder and begging. If I have no money, what can I do? "From these mistakes, he is determined to go his own way to break through.

On 2009 1 month 14, Ren Zhiping convened the factory committee to discuss collectively the measures to solve usury.

In the end, the members of the factory committee reached an agreement: after March 2009, all borrowers will no longer bear interest, giving the enterprise a chance to survive and repaying the principal with the profits of the enterprise.

Ren Zhiping started negotiations with the lender for more than two months. At the same time, he was threatened and kidnapped.

Over 70 round-trip negotiations. Perhaps the lender really felt the existence of the crisis under the financial crisis, or perhaps the flight of dozens of borrowers gave the lender a "lesson". Therefore, although the negotiations were difficult, they were successful and thorough. Professional financial knowledge and personal entrepreneurial experience have made Ren Zhiping understand the gentleness and cruelty of folk usury. After successfully getting rid of the debt crisis, he decided to take himself as a sample and publish a book to warn the world. 20 10 at the beginning of August, 260,000 words of usury were published.

In 2009, Ren Zhiping summed up his gains in two ways: First, he lost his car, often walked within 10 km, exercised himself as light as a swallow, and bid farewell to his 60-year-old body; Second, there is no money, and the debt slaves can't live any longer, but they are in a good mood. "I used to be very busy, but now I have time to spend with my family and have time to calm down and think about my successes and failures." As a member of the Standing Committee of Lvliang CPPCC and Lvliang Federation of Industry and Commerce, Ren Zhiping is still indispensable at meetings of all sizes.