So the society is far from as good as in the news broadcast. Why is usury becoming more and more common now? In residential areas, schools, hospitals, rural areas, there are all kinds of small advertising stickers and all kinds of small loan cars parked on the roadside. First of all, it is difficult for ordinary people to borrow money from banks. Ordinary people need 30,000 to 50,000 yuan. All kinds of proof materials required by banks are generally not available. It is really difficult for people without connections and financial resources to borrow money from banks. Secondly, the interest rate of bank deposits is getting lower and lower, and the money saved by ordinary people should be preserved. So many people don't want to deposit their money in the bank, so they lend it to individuals and loan companies, so many usury came into being. Third, we China people will not take the initiative to talk about interest when borrowing money from relatives and friends. Subconsciously, we just feel that we need money and others should help us for free. Talking about money hurts feelings, and I don't want to write an IOU. We think this is because others don't trust us, so many people don't want to lend money to relatives and friends even if they have spare money! If it helps you, please adopt it!