I couldn't take it anymore; when I went home for Chinese New Year, the family genealogy book ha

"Jiang Family Poverty Alleviation Internal Loan Application Form"?

These words left everyone in the living room completely bewildered. What was that?

Everyone stared wide-eyed at the stack of white paper with black writing on the coffee table, thinking they were hallucinating.

Borrowing money... I have to fill out a form?

What kind of operation is this?

The skinny old man who called himself "Second Uncle" was the first to react.

He shakily picked up the top sheet of paper and brought it close to his eyes.

At the very top of the paper, the title was printed in bold black font.

Below that were densely packed small print and tables, like ants carrying food.

"Borrower's name, ID number, home address, contact number..."

Seeing this, the old man pursed his lips, thinking it was nothing.

But as he continued reading, his eyes nearly popped out of their sockets!

"Detailed explanation of the loan purpose (listed in bullet points, specifying the exact flow and budget for each transaction, with an error margin of no more than 5%)?"

"Expected repayment plan (a detailed monthly/quarterly repayment schedule is required, along with proof of the source of funds for repayment, such as bank statements, proof of business income, etc.)?"

"Proof of personal and family assets (copies of property ownership certificates, vehicle registration certificates, bank statements, and screenshots of stock/fund holdings are required)?"

"Details of the collateral (If the loan amount exceeds 50,000 yuan, sufficient collateral must be provided, such as real estate, land contract management rights, etc., and you must agree to complete the relevant mortgage registration procedures)?"

"Credit report (please print your personal credit report from the People's Bank of China and submit it as an attachment)?"

"Guarantor information (at least two non-immediate family members with stable incomes must be provided as joint and several guarantors, and their signatures and fingerprints are required)?"

……

The old man held the paper, his hands trembling as if he had Parkinson's disease, his face turning a deep purplish-red.

Others also gathered around to look, and after seeing it, they all wilted like eggplants after a frost.

"Chen... Chen'er..."

The heavily made-up woman forced a smile that looked more like a grimace and stammered as she spoke.

"We...we're all relatives...why make it so complicated?"

"That's right!" another burly man chimed in. "With collateral and guarantors involved, aren't you showing a lack of trust in us? You're slapping us in the face!"

"Yeah! It's so hurtful!"

In the living room, another chorus of agreement rang out.

Jiang Chen picked up the Jin Jun Mei tea that Wang Xiuying had just brewed, gently blew on it, and slowly took a sip.

The aroma of tea is refreshing and delightful.

He put down his teacup, raised his eyelids, and looked at the group of indignant "relatives," his face still bearing that harmless smile.

"Dear elders, you can't say that."

Jiang Chen's voice was calm, yet it carried an undeniable penetrating power.

"Think about it, when you apply for a bank loan, aren't the requirements even more than what's on this form? Do you think the bank will exempt you from providing bank statements and collateral just because you're related to the bank manager?"

"No way?"

"I even said that the credit report can be attached, it's not mandatory. This is already giving everyone a huge favor because of our relationship."

He paused, picked up a blank form from the table, and gently shook it.

"Besides, this application form is not meant to make things difficult for everyone, but rather to protect everyone and the family ties between us."

"By putting everything out in the open, writing it down, signing it, and affixing your fingerprint, there won't be any misunderstandings or disputes about money in the future."

"I lend you money out of kindness. It's your duty to repay on time. With this agreement, our family relationship can last, right?"

Jiang Chen's words were watertight and well-reasoned.

They've elevated the human element of "borrowing money" to a legal level, claiming it's about "maintaining family stability" and "ensuring lasting family ties."

The relatives who had initially tried to use "family ties" to morally blackmail the group were instantly rendered speechless by their rebuttal.

They discovered that the "unspoken rules" of rural social interaction that they were so proud of were utterly ineffective in the face of this young man.

They flipped the table and started playing the game according to the rules of modern business!

How can we play like this?

"But... but I just need to borrow 20,000 yuan to pay my son's tuition. What collateral do I have?" My second great-uncle got anxious and slammed the application form on the table.

"No collateral is fine too," Jiang Chen said with a smile, pointing to a section of the form. "See this one?"

"Supplemental Agreement to Unsecured Credit Loan".

"As long as you sign this, agree to pay interest at an annual rate of 15%, and authorize us so that if you are unable to repay on time, we can legally post a 'Debt Collection Notice' on the bulletin board of your son's school, I can lend you the money immediately."

24% annualized return?

Should we post debt collection notices at the school?

My second maternal uncle's vision went black, and he almost fainted on the spot!

Is this a loan?

This is clearly like inviting the King of Hell home!

If this is signed, how will his grandson ever be able to hold his head up in school again?

"You...you...this is loan sharking! This is extortion!"

The old man pointed at Jiang Chen, trembling with anger.

"Uncle, you can eat whatever you want, but you can't say whatever you want."

The smile on Jiang Chen's face finally faded a bit.

"According to national laws, interest rates for private lending that do not exceed four times the LPR are protected by law. My interest rate is completely legal and compliant."

"As for collection methods, it is only a matter of 'informing' and does not involve any violence or threats, so it is equally legal."

"How did I, a law-abiding citizen, become a loan shark?"

Jiang Chen shrugged, looking completely innocent.

The atmosphere in the living room had become extremely oppressive.

Some people who originally just wanted to take advantage of the situation and make a small profit, saw this scene and had already given up.

They exchanged a quick glance, already preparing to make an excuse to slip away.

Where there is life, there is hope.

There's no way we can get involved in this mess today.

However, at that moment...

The heavily made-up woman, who hadn't said much until now and claimed her husband had lost over 100,000 yuan in business, gritted her teeth, seemingly having made up her mind.

She picked up an application form and a pen, sat down in a corner, and actually started filling it out.

Her actions were like a signal.

Several other people, who either genuinely seemed to be facing difficulties or were simply shameless, hesitated before picking up their pens.

Jiang Chen watched this scene with a slight smile on his lips.

This is exactly the effect he wanted.

It scared away all those flies with ulterior motives.

As for the rest, whether you have genuine difficulties or are simply greedy, as long as you dare to put pen to paper, you are essentially handing over your weaknesses to me.

Soon, the heavily made-up woman was the first to finish filling out the form.

She respectfully handed the application form, which was filled with writing, to Jiang Chen.

"Chen'er, look, Auntie has filled it out."

Jiang Chen took the paper, and a warm smile returned to his face.

"Okay, Auntie, don't worry."

Jiang Chen cleared his throat and held the application form high so that everyone in the living room could see it.

He said loudly, "Alright, elders, let's now move on to the 'Joint Review of Loan Application Qualifications' stage."

Let's take a look at whether Ms. Wang Dahua, the "neighbor of the third aunt's cousin," has applied for 150,000 yuan as "husband's business working capital" and whether it's in accordance with the rules!