Chapter 271 The Talent Poor? I want it all!

However, Xu Changsheng is not easy to explain these details to Xiaoyou.

He could only smile and said, "It's not low, it's not low. We only need to keep a part of the money for bank users, right?"

"But in this way, your idea of ​​embezzling your deposits and building the Zixiao Immortal Shop will be stranded?"

"No."

Xu Changsheng shook his head.

"In fact, when the loan business is launched, our bank deposit business will also have a reform."

“What reform?”

“Open fixed deposits!”

“What is a fixed deposit?”

Xu Changsheng shook his head: "The so-called fixed deposit means that when users deposit money into our digital bank, they can choose a term, such as ten years, a hundred years, and ten thousand years."

"During this period, unless there are special circumstances, this fixed deposit cannot be used."

“At the same time, we will give interest on time deposits!”

"Give them interest?"

Miss Xiaoyou was shocked: "Isn't this equivalent to giving them money?"

"You can think so."

Xu Changsheng continued to explain: "For example, for ten years, we will give them three percent of the interest per year."

"A hundred years, four percent per year."

"Ten thousand years, five percent per year!"

"So high?!"

Miss Xiaoyou was even more shocked: "Will you lose money?"

"Won't."

“Because we will lend ~”

Xu Changsheng grinned: "The daily interest rate is 5% per thousand, and the interest rate is calculated in one day of the loan. The deposit will only have three% annual interest rate for at least ten or even a hundred years. How to calculate it? We will make more profits, right?"

"And, if the user wants to use the fixed deposit in advance, even if he only uses a spirit stone, all the accumulated interest they had accumulated before would be gone, which is equivalent to voluntarily giving up all interest."

"What if there aren't enough people taking out loans?"

"There is interest when saving money, so there will inevitably be many people who are willing to save money, but there may not be many users who can borrow money."

“There will be.”

“And it won’t be less.”

Xu Changsheng was not worried about whether anyone was willing to take out a loan.

Or it can be said that there is no worry.

How many companies on the earth don’t have loans? Even if they are not short of money, even if they have sufficient capital chain, they still have loans and are even keen on loans, and they are still happy to do so~

Why?

Of course there is something wrong with it!

If you are engaged in loan business in the fairy world, you may not be very popular at the beginning, and you may even have some resistance.

But when they sing the sweetness~

hey-hey.

Don't be afraid that they won't take out a loan!

"At the same as if there are not many people who have loaned money, we will be unable to make ends meet when we pay interest. However, we can also use this part of the money to build the Zixiao Fairy Shop, or make investments by ourselves, right?"

Sister You pondered slightly.

She knew that her understanding and talent in "business" was not as good as immortality.

But she still didn't understand.

“What is the reason for paying interest on deposits?”

"Even if you don't give a deposit, you can still lend money, right?"

“Two reasons.”

Xu Changsheng raised two fingers: "One is to attract deposits and make more people willing to deposit money in the bank, or even deposit most of their worth in it, and once it is deposited, it will start in ten or even a hundred years."

"In this way, we can ensure that our bank has sufficient funds. Even if a large number of 'enterprises' come to borrow money, we can accept everyone!"

"That's two..."

"Hey."

"Of course it's to make users 'shut up'."

"If you don't give them some sweetness, they will naturally be unhappy. It is normal for them to complain or even oppose it. However, if there are benefits in it, they can also get benefits~"

"I think most people will not resist, and they are even happy to see it happen."

"Because many monks actually don't lack money for a while."

"For example, some of them have raised money, but the realm is not enough, so I want to wait until the breakthrough to buy better magic weapons and pills."

"Or maybe some elders saved some money for their juniors, and waited for their juniors to enter the room."

"Anyway, all kinds of reasons are possible."

"This type of people don't know how to do business and don't know how to invest."

"On weekdays, you can only hide your own money."

"But hide means hide, but if it is deposited in the bank, it can generate interest and nothing has to be done. If the real money produces money, they will naturally be willing to deposit it. As for whether we will lend money out, it has no direct connection with them."

"As long as we give interest as agreed and can take out the money when they withdraw money."

Xu Changsheng is not a banker.

He wouldn't be able to tell him what kind of high-level truth or say something about various details.

But he has some understanding of human nature.

Immortals?

Most immortals are also human.

If you are a human being, you will be human.

"So that's it." Sister Xiaoyou seemed to understand: "I really don't understand, how did you think of all this?"

"A totally different ideas and ideas are incredible."

She was not sure whether Xu Changsheng's ideas and practices would be successful, but at least, she guessed that there was a possibility of success.

"That's it."

"Maybe I just like to think about it, right?"

Xu Changsheng shrugged.

"I'll ask you to help them 'activate' later."

Sister Xiaoyou rolled her eyes at the guy: "I don't know you yet? What activation is? It's just a formality, that is, they won't be allowed to access until they send the fairy world, right?"

"Those who know me are also my sister~"

"I found that you are really good to those little monks."

"But for other holy places, especially for Qiankun holy land and Daoyi, your heart is really dark!"

"And it is completely different from the 'style' of other major forces in the fairy world. Those major forces are all thinking of joining forces to earn money from the ants, and even the money from the ants is returned in full, and the ants are paid in 30% of the ants' money."

"It's so dark!"

"But when you arrive, it's like robbing the rich and helping the poor?"

"Where, where?"

Xu Changsheng waved his hands repeatedly and said, "Sister Xiao You, how can you say anything about me? How can I call it black heart?"

"At most, my heart has two more holes than others."

"Two more holes? What holes?"

"Two-minded."

“···”

"It's you!"

"As for robbing the rich and helping the poor, you can't talk nonsense. When will I robbing the rich?"
To be continued...