In the past, in order to safeguard people's fairness and justice, villagers spontaneously formulated clan rules and village rules and regulations. The members of the two associations are prestigious people and elders. If someone violates the regulations, the clan rules will deal with them first, and those that cannot be handled within the clan will be handed over to the village rules. What is given to the village rules and regulations is rented out from the clan village, and in serious cases, it is ruined. In terms of private lending, in order to prevent the borrower from being unable to repay or dying, it is stipulated to repay the father's debt, so there are basically few people who borrowed money in China in the past, let alone the old ones. This is the correct crystallization of historical practice and has won the support and support of the broad masses of the people.
I don't know when it started, Lao Lai, who borrowed money and didn't pay it back, became a grandfather, and a kind creditor became a grandson. This is really a son becoming a father, and most sons want to be fathers, and no one cares. This has messed up the Three Cardinals, ruined the Five Permanent Members, and lost all the benevolence, righteousness, propriety, wisdom and trust. Family laws, clan rules and village rules were abolished again, and so were national laws. However, the creditors will be miserable. You can bring a lawsuit to the court and finally win the case. However, Lao Lai prepared the transfer of property in advance, and there was nothing in his name. He lives in the name of his children or relatives. No one has traced the whereabouts of the property that Lao Lai has transferred for you. The law also stipulates that it is not illegal for a person who is unable to repay the money to repay it. The court can't help it. You go to court to sue for wasting money and get nothing. In addition to suing for debt collection according to law, it may be illegal for creditors to take any debt collection method. Creditors can only put in a good word for debtors and ask them to give some money, but they can't! Lao Lai is still driving a luxury car with pride. The hard-earned money earned by creditors for many years was easily taken away by Lao Lai Qiang, but there was nothing he could do. Where is justice? Where is fairness?
However, some individual experts, scholars and critics don't know whether they are ignorant of the law or out of selfishness, but they are euphemistically saying: When borrowing money, borrowers should consider the risk of borrowing money, debtors are unable to repay because of entrepreneurial failure, and they have made contributions to society, and creditors and debtors should share the risk. Who are these experts and scholars? Who is Lao Lai starting a business for? Do they make money for the country or for the people? Answer: No, it's in my own pocket. Why does a loser who starts his own business lose money and ask the borrower to take risks? If you lend money to someone and that person loses, do you share it with him and ask him to pay back only half of the money? What is lending, what is investment, what is shareholding, what projects can be risky, and what projects bear their own risks are clearly stipulated in national laws. Even if these legal provisions are unclear, they will make random comments, and I don't know how these experts and scholars became!
Of course, other countries in the world also have old lai, but rarely. Let's first understand how foreign laws sanction Lao Lai:
Once foreigners fail to pay their debts, they will go to hell. For example, in the United States, once you are pulled into the Lao Lai list, all your information will be made public and there is no personal privacy before the law. The United States has determined that Lao Lai adopts the credit split interest rate, and the credit score is above 680, so his job search and bank loans are smooth. If your credit score is below 620, your life becomes a problem, and the bank only provides the basic expenses of life business. You will be bullied by everyone. Don't even think about finding a job or getting a bank loan. Even your children are treated coldly. The most harmful thing is all kinds of debt collection companies. Lawyers follow you to collect debts, and every penny you earn will be taken away. If these debt collection companies and lawyers think that you have nothing to pay back, they will send you to prison by law, and you will stay in prison for life. America will punish the old. So almost no one in America dares to rely on it.
Not to mention South Korea, the president's debts will be confiscated. Before 2065438+2008, President Quan Douhuan was in debt of 980 million won, and even his house was forced to sell. The way for South Korea to punish Lao Lai is to publish the list for humiliation, then enforce it, send it to prison if you don't pay your debts, or do services to make money to pay your debts. In a country ruled by law that doesn't even let the president go, who dares to be Lao Lai!
Japan's sanctions against Lao Lai are more severe. When a person becomes an old lai family, even his relatives are affected. There are many debt collection companies in Japan. They have an organization called Convenience House, which specializes in debt collection and has many vicious tactics. As long as it is given to this organization, Lao Lai can't escape no matter how cunning he is. If they find that you can't pay back, they will be sent to a black factory to make money or sold for money to pay off debts. If a woman is taken to a custom-made shop to earn money to pay her debts, if you owe a huge sum of money and you are unable to pay your debts, you are worthless and you disappear from this world. This is legal in Japan, so no one in Japan dares to default.
According to the understanding of France, Germany, Italy and other countries in the world, all countries have cruel measures to punish Lao Lai. The lightest sanction is hard labor to earn money and pay off debts, and those who can't earn money and pay off debts will be sentenced to life imprisonment.
No country in the world has turned Lao Lai into a grandfather, and even a grandson is not qualified! Because Lao Lai is an open robber in disguise in other places, especially public enemies, the state will never let him go.
Article 13 of China's Constitution also clearly stipulates that the state protects citizens' lawful income, savings, house ownership and other lawful property. Article 17 stipulates that citizens' lawful property is protected by law, and it is forbidden for any organization or individual to occupy, plunder, destroy or seal up, detain, freeze or confiscate it.
Only China Lao Lai dares to steal other people's finance by legal means and illegally possess it. Why did Lao Lai dare to be so bold? Because the state has brought lending into the contradiction of civil economic disputes, it is not illegal to owe debts. Although there are laws and regulations, but the lack of law enforcement, Lao Lai can not get the punishment he deserves. They just regard the national crime tolerance regulations as an umbrella for not paying their debts. This is the root of the increasing and rampant "Lao Lai" in China.
If you put it in any country in the world, it is light to serve to earn money and pay off debts, and heavy to be imprisoned for life or even disappear into the world. These are all allowed by foreign laws. There is an old saying in China that says well: "Bad family rules lead to bad people, and bad law leads to bad people" has been proved.
It is suggested that in order to safeguard the dignity of the constitution, promote justice, crack down on evil and protect the legitimate interests of creditors, the state should draw on the experience of foreign countries in dealing with Lao Lai and formulate laws and regulations suitable for China so that Lao Lai can get the punishment he deserves. This is the expectation of most people. Only when Lao Lai is put in prison can he return justice to the people and a fair, just and pure environment to the society.