| [00:00.30] | |
| [00:00.31] | “Someone" is a loan shark |
| [00:01.93] | You give him your benefit card as security and he gives you a loan |
| [00:06.58] | On the day your benefit arrives, he gives you back the card |
| [00:09.88] | And you go to the post office to get your money, repaying him the interest |
| [00:14.57] | It's a modern version of Shylock's business model |
| [00:18.03] | Usury is alive and well and living in Scotland |
| [00:22.77] | These are some pages from the loan book of a Glasgow loan shark |
| [00:27.03] | And it's kind of interesting to see how the business model works |
| [00:29.61] | You lend out maybe ￡10 to someone and you expect to be paid back ￡12.50 at the end of the week |
| [00:36.29] | That's 25% a week |
| [00:38.88] | But if you work that out at an annual rate it comes to 11 million percent |
| [00:44.91] |
| [00:00.30] | |
| [00:00.31] | " Someone" is a loan shark |
| [00:01.93] | You give him your benefit card as security and he gives you a loan |
| [00:06.58] | On the day your benefit arrives, he gives you back the card |
| [00:09.88] | And you go to the post office to get your money, repaying him the interest |
| [00:14.57] | It' s a modern version of Shylock' s business model |
| [00:18.03] | Usury is alive and well and living in Scotland |
| [00:22.77] | These are some pages from the loan book of a Glasgow loan shark |
| [00:27.03] | And it' s kind of interesting to see how the business model works |
| [00:29.61] | You lend out maybe 10 to someone and you expect to be paid back 12. 50 at the end of the week |
| [00:36.29] | That' s 25 a week |
| [00:38.88] | But if you work that out at an annual rate it comes to 11 million percent |
| [00:44.91] |
| [00:00.30] | |
| [00:00.31] | " Someone" is a loan shark |
| [00:01.93] | You give him your benefit card as security and he gives you a loan |
| [00:06.58] | On the day your benefit arrives, he gives you back the card |
| [00:09.88] | And you go to the post office to get your money, repaying him the interest |
| [00:14.57] | It' s a modern version of Shylock' s business model |
| [00:18.03] | Usury is alive and well and living in Scotland |
| [00:22.77] | These are some pages from the loan book of a Glasgow loan shark |
| [00:27.03] | And it' s kind of interesting to see how the business model works |
| [00:29.61] | You lend out maybe 10 to someone and you expect to be paid back 12. 50 at the end of the week |
| [00:36.29] | That' s 25 a week |
| [00:38.88] | But if you work that out at an annual rate it comes to 11 million percent |
| [00:44.91] |
| [00:00.31] | 这些人就是放高利贷者 |
| [00:01.93] | 你把社保卡给他做担保，他就放贷给你 |
| [00:06.58] | 等到补助金发放的那一天，他把卡还给你 |
| [00:09.88] | 然后你去邮局领取补助金，把利息偿还给他 |
| [00:14.57] | 这是现代版的夏洛克商业模式 |
| [00:18.03] | 高利贷在苏格兰可谓生生不息 |
| [00:22.77] | 这几张纸来自是格拉斯哥一位高利贷者的合同书 |
| [00:27.03] | 了解一下这种商业模式还是很有趣的 |
| [00:29.61] | 你如果将10英镑借给某人，一周后偿还时，就得到12.5英镑 |
| [00:36.29] | 也就是25%的周利息 |
| [00:38.88] | 可是按照年利率来算的话 就是百分之一百一十万 |
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