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... observe their process, then transcribe their loan documents and add some extra content," he glanced at Mr. Fox beside him. "For instance, after a certain period, relinquishing the collateral while still being obliged to repay the full amount of debt and interest. This way, you can seemingly lower the interest rate on the surface."

This approach was just a variation of the long-established game banks played. If borrowers couldn't repay the debt in time after obtaining a bank loan, the ban ...

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Insider: The unworthy descendant Lin Wanli!

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