However, it was not easy for Xu Changsheng to explain these details to Sister Xiaoyou.
He could only laugh and say: "It's not low anymore, it's really not low anymore. We only need to keep some of bank users' money anyway, right?"
"But in this case, your previous plan to use your savings to build the Zixiao Immortal Shop will be shelved?"
"No."
Xu Changsheng shook his head.
"In fact, when the loan business is launched, our bank deposit business will also undergo a reform."
"What reform?"
“Open for time deposits!”
“What is a time deposit?”
Xu Changsheng shook his head: "The so-called term deposit means that when users deposit money into our digital bank, they can choose a period, such as ten years, a hundred years, or ten thousand years."
"During this period, this time deposit cannot be used unless there are special circumstances."
"At the same time, we will give interest on time deposits!"
"Give them interest?"
Sister Xiaoyou was shocked: "Isn't this equivalent to giving them money?"
"You can think of it that way."
Xu Changsheng continued to explain: "For example, for ten years, we will give them three percent interest every year."
"For a hundred years, four percent per year."
"Ten thousand years, five percent every year!"
"so tall?!"
Sister Xiaoyou was even more shocked: "Won't you lose money?"
"Won't."
"Because we can lend money~"
Xu Changsheng bared his teeth: "The daily interest is five ten thousandths, and the interest starts on the first day of the loan. If you deposit it for at least ten years or even a hundred years, you can get an annual interest of 3%. No matter how you calculate it, we can make more money, right?"
?”
"Moreover, if users want to use their time deposits in advance, even if they only use a spiritual stone, all the interest they have accumulated before will be lost, which is equivalent to voluntarily giving up all interest."
"Then, what if there aren't enough people taking out loans?"
"There will be interest for depositing money, so there will definitely be many people willing to save money, but there may not be many users of loans."
"There will be."
"And no less."
Xu Changsheng is not worried about whether anyone is willing to lend money.
Or it can be said that there is no worry at all.
How many companies on the other side of the world don’t lend money? Even if they are not short of money, even if they have sufficient capital, they still lend money, and they are even keen on lending money and never tire of it ~
Why?
Of course there is a clue!
If you start a loan business in the fairy world by yourself, you may not be very popular at first, and there may even be some resistance.
But when they sang sweetly~
hey-hey.
Don’t be afraid that they won’t give you a loan!
"Taking a step back, even if there are not many people borrowing money, if we pay interest, we will not be able to make ends meet, but we can also use this money to build the Zixiao Fairy Shop, or make investments ourselves, right?"
Sister Xiaoyou pondered slightly.
She knew that her knowledge and talent in 'business' were not as good as Xu Changsheng.
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, right?"
"Two reasons."
Xu Changsheng raised two fingers: "The first is to attract deposits so that more people are willing to deposit money in the bank, even deposit most of their wealth, and deposit it for ten or even a century."
"In this way, we can ensure that our bank has sufficient funds. Even if a large number of 'enterprises' come to us for loans, we can accept them all!"
"These two..."
"Hey."
"Of course it's to make users shut up."
"Using users' money to lend, if you don't give them any benefits, they will naturally be unwilling to do so. They will complain or even object. This is normal, but if there are benefits involved, they can also benefit~"
"Come to think of it, most people won't resist it and are even happy to see it happen."
"Because many monks are actually not short of money for a period of time."
"For example, some people have collected money, but their level is not enough, so they want to wait until they break through to buy better magic weapons and elixirs."
"Or maybe some elders have saved some money for their juniors and are just waiting for their juniors to come into the house."
"In short, various reasons are possible."
"This type of people don't know how to do business, and they don't know how to invest."
"On weekdays, I can only keep the money to myself."
"But hiding means hiding. But if you deposit it in a bank, it can earn interest. You don't have to do anything. Real money generates money. They are naturally willing to deposit it. As for whether we will loan the money out, we will work with them.
There is no direct connection.”
"As long as we pay interest as agreed and we can take out the money when they withdraw it, that's fine."
Xu Changsheng is not a banker.
If you ask him to tell you some high-level truth, or to elaborate on various details, he won't be able to tell.
But he has some understanding of human nature.
Immortal family?
Most immortals are also human beings.
If you are a human being, you have humanity.
"That's it." Sister Xiaoyou seemed to understand, "I really don't understand, how did you come up with all this?"
"Completely different thoughts and ideas, incredible."
She was not sure whether Xu Changsheng's ideas and methods would succeed, but at least, she estimated that there was a possibility of success.
"This is it."
"Maybe I just like to think about it?"
Xu Changsheng shrugged.
"I'll have to trouble you later to help them 'activate' it."
Sister Xiaoyou immediately gave this guy a roll of his eyes: "I don't know you yet? What activation? It's just a formality, that is, they won't be allowed to access the fairy world before they send it, right?"
"The one who knows me is Miss Xiaoyou~"
"I discovered that you are really nice to those little monks."
"But towards other holy places, especially Qiankun Holy Land and Daoyi, my heart is really dark!"
"And it is completely different from the 'style' of other big forces in the fairy world. Those big forces all want to join forces to make money from the ants, and even return the money of the big forces in full, and the ants' money will be divided into 30-70."
"It's so dark!"
"But when you come here, it's like robbing the rich and giving to the poor?"
"Where, where do you mean?"
Xu Changsheng waved his hands repeatedly and said: "Sister Xiaoyou, how can you say anything about me? How can I be called a black heart?"
"At most, my heart just has two more holes than others."
"Two more holes? What holes?"
"Two minds."
“···”
"As expected of you!"
"As for robbing the rich and giving to the poor, you can't talk nonsense. When did I rob the rich?"
"In the final analysis, I have always been very dedicated."
"Dedicated?"
Xu Changsheng looked up at the roof at a 45-degree angle and said quietly: "That's right."
"From beginning to end, I was very dedicated, but..."
The guy raised his right hand and clenched his fist fiercely: "I want them all!"
Although some people say that they all have to be unable to bear it, but I am not choosing a beautiful woman. How could I not be able to bear it? To make money, of course, the more you earn, the better. The more you earn, the stronger you will be.
powerful.
What else is there to choose from? Of course I want them all.
"Forehead."
Sister Xiaoyou was speechless for a moment.
After a long time, he said: "You are indeed very dedicated."
Then, Sister Xiaoyou disappeared.
Xu Changsheng immediately contacted Zhao Wuji and asked him to make arrangements for someone to wait for people from Qiankun Holy Land to come and receive the goods.
As for giving others looks, or trying to get them into trouble, Xu Changsheng had no such idea at all.
What's the point of delaying when it comes to making money?
And if people are so happy to spend money, naturally I should be more happy too.
Procrastinating for more interest?
The layout is too small!
Money must flow as soon as possible in order to achieve its intended role and effect!
······
Qiankun Holy Land.
After Daoyi hung up the video call, he was depressed for half an hour before slamming the table and sending a message to the Fifth Elder: "Fifth Elder, after careful consideration, I have decided..."
After all, the fifth elder is the weapon-refining elder. After that, getting the materials back and refining them into immortal machines will require the efforts of the fifth elder.
It's just right to ask him to get the materials back.
However, after listening to Dao Yi's explanation, the fifth elder's mouth twitched.
"Holy Lord."
"We seem to be at a loss."
Dao Yi: "..."
Don’t I know if it’s a loss or not?
What the hell!
Seeing that I am so depressed, you still want to stab me?
That’s not true!
He waved his hand and said expressionlessly: "Whether it's a loss or not, I can't tell at the moment. But I think the crime is in the present and the benefit lies in the future."
"Okay, let's go do the work."
"Connect with Zixiao Holy Land as soon as possible, get the materials back, and then refine them into immortal machines in the shortest possible time, and then send them to Zixiao Holy Land for activation. What I want is the fastest!"
"For this reason, I give you the authority to mobilize the authority of the powerful in our Qiankun Holy Land when it is not in retreat or in an emergency."
"Yes, Holy Lord."
Although Wu Buyi has a lot of dissatisfaction with Daoyi, he will not be vague about such a major matter related to the Qiankun Holy Land.
Dissatisfaction is personal.
Loyalty is for the entire Qiankun Holy Land.
Soon, the fifth civilian set off in person.
After all, he is a quasi-sage and is faster.
Dao Yi was not idle here either.
Immediately start contacting the elders of the house: "Spread the news. All disciples of my Qiankun Holy Land will wait for a few days. After receiving the notification, they can receive an immortal machine for free."
"All the monks under our Holy Land of Qiankun can also spend ten pieces of top-quality spiritual stones to purchase the Immortal Machine at the corresponding location after receiving the notification."
"One for each person!"
"Until all the monks have an immortal machine."
The house elder was confused.
"this?"
"Holy Lord, where did you get so many magical skills?"
Everyone knows that Zixiao Holy Land has limited capacity, and there are more than a hundred billion monks affiliated with Qiankun Holy Land. Hundreds of billions of immortal machines! Where did they get it? He was really curious.
But Dao Yi was depressed.
What the hell, where did I get that?
Do I have to explain it to you and then ask you to mock me again, which seems like a disadvantage?
"Don't worry about it. I have my own solution."
"Let's do it!"
“···”
"Yes, Holy Lord."
Dao Yi is the Holy Master after all.
Although some of the senior officials of Qiankun Holy Land were dissatisfied with him due to his previous mistakes in decision-making, as long as he stayed in this position, the elders would have to listen to his orders.
soon.
The house elder will distribute the message.
Although they don't have magic tricks on the surface, they still have some ancient communication methods.
Every monk has a bunch of sound transmission jade talismans~!
If that doesn't work, the worst possible option is to go there and deliver the message in person.
Soon, the news was conveyed.
All the monks and immortals in the Holy Land of Qiankun have received the news.
For just a moment, they were extremely excited.
"good news!"
"What great news!"
"We can finally use the magic machine."
"Lord Holy Lord, have mercy!"
"I'm not afraid of your jokes. In fact, I have wanted to buy a fairy machine for a long time. However, the Holy Land has always banned it and we are not allowed to use it. Ahem."
"I almost bought it secretly and used it."
"Me too."
"Anyway, we can buy it and everyone can buy it without queuing? That's great!"
"I really envy the disciples of the Holy Land. They can receive it for free. We affiliated forces, hey..."
“It’s good to buy some!”
“···”
······
All the disciples in the Qiankun Holy Land were very excited. Since it was not a confidential news, soon the users of the Immortal Machine also knew about it, so a new storm of public opinion began in the Immortal World circle.
"Everyone knows about the Qiankun Holy Land, right?"
"The Holy Land of Qiankun has obtained over 100 billion celestial beings from somewhere. We will soon guarantee that each of their disciples of the Holy Land of Qiankun and the disciples of the affiliated forces will have one!"
"Holy Land disciples can also receive it for free, envy! Real-name system envy!"
"So envious!"
"But then again, why didn't they buy the fairy machine before?"
"Upstairs, do you really not know or are you just pretending?"
"What are you pretending to be? I really don't know, do they not like fairy magic, or think it is useless?"
"You really don't know? Then I will explain it carefully. Before, Qiankun Holy Land banned its disciples and elders from purchasing and using fairy machines. As for the reason, hehehe, it's a long story~
·······”
"Hiss! What?! Qiankun Holy Land actually plagiarized it before???"
"You were also targeted by Zixiao Holy Land and had to resell it at a low price?"
"Isn't this a loss of face?!"
"My dear, there is such a thing! What an eye-opener!!!"
"······"
A large number of young monks were excited.
They had no magical skills before and were not well-informed. Later, Qiankun Holy Land deliberately avoided the matter, so many new users did not know about it.
But now, everyone knows about it.
I just told you that I don’t want to click on the circle of fairyland anymore.
unlucky!
Damn it, so unlucky!
It can make someone angry to death!
Moreover, it's not just these little monks.
Even the Holy Master of Yin and Yang, Ke Deping, was very surprised and even publicly said: "Eh? What did you do, Daoyi? Didn't you explicitly prohibit your disciples from purchasing and using immortal machines before?"
"Didn't you develop your own magical machine?
Why are you going back on your word?
@天尊神主, President of the Chamber of Commerce, Director of the Patent Office - Dao Yi."
Dao Yi: "..."
grass!
I don’t even click to open the circle of the fairy world anymore, you damn girl still want to @ me?
That’s not true!
Ke Deping, you are such a bastard, you are like the Great Onmyoji when you open your mouth. I am so angry.
Daoyi was almost so angry that he twisted his mouth and eyes.
However, he had already expected this. Before he went to Xu Changsheng, he had thought that this might happen. Therefore, although he was mad at others in private, he behaved very appropriately in the fairy world.
“It’s not as hard as you think to admit that others are great.
I have to admit that Holy Master Xu’s magical machine has developed so far and has surpassed our magical machine.
In this case, the disciples of my Qiankun Holy Land are naturally qualified to choose better products. At the same time, we, the Qiankun Holy Land, have the responsibility and obligation to let our own disciples use better products.
Compared with this, what does my personal honor and disgrace count?"
Dao Yi's reply was not only appropriate, but also very generous.
When users saw it, whether they knew him or not, their favorable impressions immediately improved a lot.
For the sake of his disciples, he would rather give up his face!
There are many users who like it!
In this way, Ke Deping was put on the fire.
Um.
Are you mocking me? Am I embarrassed?
Yes, I was embarrassed, I went back on my word, I was slapped in the face.
So what about Kona?
In order to have my own disciples and to let them use their magic, I would rather be slapped in the face.
But~
What about you? What about you?!
There are no relevant bans in your other holy places, and you will not be slapped in the face by Xu Changsheng, but how many of your disciples have not bought the Immortal Machine? Not to mention those peripheral disciples?
Moreover, you disciples of the Holy Land, have you spent any money on buying the Immortal Machine???
Not a word about 'you'.
But every word is 'you'.
Ke Deping was stunned when he saw Daoyi's reply.
"Is there an expert behind this Dao Yi? This move uses retreat to advance, it's amazing!"
Seeing Dao Yi's reply, Our Lady of Yaochi stopped playing games and frowned slightly: "Now, instead, they have put our other holy places on the fire."
"If it is not handled well, it will actually affect the image."
Luo Shen is more direct.
He scolded: "This Dao Yi is really not a good thing."
"I am embarrassed, but I still want to bring everyone down."
"What should I do now?"
Our Lady of Yaochi slowly shook her head and said thoughtfully: "Now, the only way is to follow up."
Tianjian Pavilion.
Chang Xiangsi rolled his eyes.
Buddhist Holy Land.
Wu Guan got so excited that the beads in his hands exploded.
"What the hell!"
"This grandson, Dao Yi, wants to bring down all our holy places!"
"Not a son of man!"
Holy land is all about face.
And in my childhood education, it was basically: the face of the Holy Land is above all else.
Now.
The Dao Yi of Qiankun Holy Land has shown such a "dazzling" performance. If he doesn't react, then he is falling behind.
After that, when his own disciples met the disciples of the Holy Land of Qiankun, they would all be unable to hold their heads high.
This matter must be dealt with!
It costs money to process.
Also...
How did he get so many magic tricks?!
······
"I can only ask him in person?!"
Ke Deping laughed angrily.
wipe!
I wanted to ridicule him, but ended up being generalized instead, which made me feel uncomfortable.
What's even more uncomfortable is that I have to 'explain' publicly, otherwise I will become a villain who adds insult to injury.
Do you think it’s uncomfortable or not?!
Reluctantly, after thinking for a moment, he publicly replied: "Don't misunderstand me, actually, I just want to ask you, how did you get so many immortal machines when they are in such short supply nowadays?
I also want to prepare a batch for my disciples, but Zixiao Immortal Shop is out of stock."