Interest Supporter

A batch of small credit loans from Jiangchuan Bank have cut interest rates in the third month. The system judged that the customer's willingness to repay was declining, but Lu Zhi, an employee of the special assets department, heard a flaw in a phone call from a debtor: the interest for the first two months was not paid by the customer himself, but was paid in advance by the "loan person." The information is complete, the flow is normal, the approval is compliant, and the observation period is normal. Everything looks real. But the more normal it is, the more abnormal it is. Lu Zhi checked back the sources of interest repayments, interview techniques, loan times and approval logs, and found that overdue customers were just alarms that had gone off. The real thunder lies in the loans that still appear to be normal. Everyone wants to characterize it as a business risk. Lu Zhi wants to prove that this is a risk pool raised by others.