Chapter 217 Martial Artists should be devoted to the public!
The efficiency of Mowu is always so amazing.
The next day, Fang Ping received a reply from the school, which agreed in principle to Fang Ping's proposal to establish a credit loan system.
Of course, it's not infinite.
Credits are free, but resources are limited. The school provides a loan limit of 100,000 credits every year.
And 100,000 credits, converted into physical value, is as high as 3 billion!
For a platform set up by students to provide such a high loan amount, Fang Ping did not pay nothing.
First, Lu Fengrou and Old Man Li came forward to guarantee it.
Second, after Fang Ping's accident, the school has the right to take the platform back to the school, instead of letting Fang Ping's family continue to take it over.
Third, for annual settlement, if the loss rate is within 5%, the school will not be held accountable if student death materials are submitted. If it exceeds the scope, the distant platform will be responsible.
fourth……
There are many restrictions imposed by the school.
This includes checking the accounts at any time, including whether the credits were actually lent to the students, rather than Fang Ping himself having a hand in it. Mowu also sent someone to supervise.
The platform is gradually getting on the right track, and it is no longer an errand company that was only responsible for delivering goods before.
As for the loan interest, it is determined by Yuanfang Platform and reported to the school. The school will give an approval. The interest belongs to the school. Yuanfang Platform can charge 10% of the interest management fee.
It's not Mowu's style to keep everything at bay.
The 10% interest management fee given to Yuanfang is not too much in Mowu's opinion.
The school does not expect to use interest to make money from students. It is just to make up for possible bad debts. These credits and money will eventually flow into the hands of students.
…
Mo Wu felt that 10% was not much, but Fang Ping calculated how much interest he would charge.
As for the daily interest rate of 5/10,000, that is of course not feasible. Mowu would not allow Fang Ping to charge such a high rate, which would translate into an annual interest rate of 18%.
But the daily interest rate is three ten thousandths, which sounds extremely low...the annual interest rate is also over 10%.
"10% a year. If we reach the limit, the minimum profit after one year will be more than 10,000 credits. If the platform points 10%, it will be more than 1,000 credits."
"Actually, the school is integrated once a year, and there is a lot of room for maneuver during this period, including the interest paid back on short-term debt, which is turned into principal again. If done well, the income will be thousands of credits after one year.
"
logistics department.
Fang Ping thought about it for a while, and his eyes glowed with gold!
A few thousand credits means tens of millions or hundreds of millions.
How much does it cost to operate a small Mowu platform?
Thinking of this, Fang Ping whispered: "Teacher, do you think the daily interest rate is three ten thousandths, is that high?"
"Three ten thousandths?"
Old Man Li was still calculating the interest rate for a while, and Fang Ping quickly said: "It's very low, right? The average student can survive borrowing 100 credits, and only charges 0.03 credits of interest per day. To be honest, this is an extremely low interest rate.
Even if it takes one month, it will be less than 1 credit.
But if he gets 100 credits a month in advance, he may be able to advance from the second level to the third level.
In this month, what does 1 credit count?
Teacher, do you think this is true?"
Old Man Li pondered slightly: "It's not that high..."
“This is actually equivalent to the school investing 3 billion in resources in advance, but I believe that this 3 billion is definitely worth the money.
Maybe, in one year, Mowu can have dozens more third- and fourth-grade students.
Make an incomparable contribution to mankind!
And these resources will not disappear out of thin air. At the end of the year, they will return to the school. This forms a virtuous circle. Not only will the school not suffer any losses, but it will also gain a good reputation among students..."
Old Man Li looked at him without saying anything. Fang Ping smiled again and said, "Teacher, about the issue of platform discounts..."
"What the school means is to maintain the current price. Mowu's elixirs and weapons are all limited. If you do something about it, wouldn't it be..."
"Teacher, the school is so short-sighted! Let me ask you, where did the elixir come from?"
Old Man Li was stunned for a moment, then thought for a moment and said, "Some of the main materials come from the caves."
"Isn't that right? Students consume a lot and make rapid progress. Do they have to go to the caves to struggle? In this way, the materials will naturally be replenished..."
After saying that, Fang Ping asked again: "Where do alloy weapons come from?"
"Some of them come from the caves..."
"It's still the same truth! And making alloy weapons requires manpower, right? In Mowu, weapons are generally not mass-produced, but forged manually.
It is mainly borne by students from the School of Manufacturing, but students from the School of Manufacturing are actually not very keen on participating in these activities.
When they are in school, what they think more about is which company they will join in the future...
But if they are now burdened with huge debts, they will take the initiative to work on their own, right?"
"You mean..."
“So, it’s totally useless for schools to worry about insufficient resources.
The more you consume and the stronger your strength, the more you can earn.
The wool still comes from the sheep, not the school."
"I'll ask you later. Remember to get this right. If you really end up losing 100,000 credits, it's not a question of credits. Boy, when the time comes, you won't even be able to afford the loss if I sell you.
, prepare to work for the school for free all the time!"
Fang Ping disagreed and curled his lips and said: "Unless all the people who borrowed money are killed in the battle! At that time, the earth will probably be invaded. Do you still care about this?"
Old Man Li was speechless.
That makes perfect sense!
The students all died in the war. With this mortality rate, is there still hope for humanity?
So, this guy has never thought about compensating the school?
For a moment, Old Man Li fell into deep thought.
Seeing this, Fang Ping said again: "Teacher, I'll go back first. Besides, I'm troubling you this time. Don't worry, I will never let you take the blame for the guarantee. I, Fang Ping, am not that kind of person."
Old Man Li nodded numbly, you said you wouldn't compensate, how can you take the blame?
Seeing Fang Ping about to leave, Old Man Li suddenly said: "In a few days, I will take you to a place."
"Where to go?"
"It's a good place. You can see a lot of things there. It will be helpful for you to go and have a look before entering the cave."
Fang Ping was immediately overjoyed and said quickly: "Thank you, teacher. Teacher, do you have a granddaughter?"
Old Man Li glanced at him, and after a while he said quietly: "Get out now, or else..."
Before he finished speaking, Fang Pingren had already disappeared.
…
Outside the Logistics Department.
Fang Ping shook his head and sighed, didn't I learn from Lao Wang?
Look at Lao Wang, how good he is at flattering me. The teacher’s daughter is only a little older, but she has taken him with her as a child bride.
Old Man Li is at the pinnacle of the sixth level. Once he is done flattering, he will become a grandmaster one day and become prosperous himself.
I took out my mobile phone and called Li Chengze and told him about the platform loan.
In fact, this is simple, but now it is aimed at magic martial arts students.
How many people are there in Mowu?
All students’ information records are available in schools. It’s just a matter of adding a few functions to the platform and it can be done in a few days.
"It's a pity that the borrowed money does not count as wealth. Otherwise, if I borrow 3,000 credits now, my wealth would be over 100 million."
Fang Ping felt a little regretful, otherwise, even if he opened the back door, he would have to get some credits for himself.
As he was talking to himself, Fang Ping saw several buses stopping not far away.
Nanjiang's team is back.
…
"Fang Ping!"
As soon as Tang Feng got out of the car, he saw Fang Ping who turned around to run away, and shouted softly: "Come here!"
Fang Ping had no choice but to walk over slowly.
"Who asked you to leave early? There is no organization or discipline!"
Tang Feng scolded and then said: "If you have nothing to do, go to the logistics department and don't make it difficult for Mr. Li. I heard that you often get some small advantages in the logistics department. You are benefiting. If word spreads, everyone will ask for it."
,How does Mr. Li deal with it?"
Fang Ping said sarcastically: "I have a large trading volume!"
"That shouldn't make it difficult for Mr. Li. The exchange price set by the school cannot be changed by Mr. Li alone.
To tell you the truth, some of the shortfalls are subsidized by Mr. Li personally. Don’t think that everyone in the world is a fool just because of your cleverness!”
Fang Ping opened his mouth, but at this moment he didn't know what to say.
Tang Feng hummed and said: "Okay, just know these things by yourself. Let's gather together at the training building later!"
"oh."
Fang Ping seemed a little listless. Did Lao Litou give him some subsidies?
He thought that Old Li Tou was in charge of the logistics department and had amazing power and was very fat.
…
As soon as Tang Feng left, other people got off the car one after another. Fu Changding came over and whispered: "Make an appointment with Zhao Lei tonight?"
Zhao Lei also came over, his face turned dark when he heard this, and he looked at Fu Changding coldly.
Fang Ping, who is in the middle of the third grade, is no match for him.
But Fu Changding... this guy deserves a beating!
Fang Ping ignored him, suppressed what he just said for a while, thought for a while and whispered: "Are you guys short of credits?"
"nonsense!"
"If...I said if, I will lend you credits now, it's okay to borrow one or two hundred credits. Are you willing to lend them?"
As soon as these words came out, everyone looked at Fang Ping.
Warriors have good ears and eyes, and almost everyone heard it at this moment.
Fang Ping saw this and said, "Of course, I'm just giving an example, I'm not lending it to you, it's the school.
I have made suggestions to the school before, and now everyone has a relatively large gap and is at the peak of advancement.
Don't let everyone stop because of the issue of credits.
I also specifically talked to the dean and the others, and now the school seems to have this idea. Once the school actually lends us credits in advance, we can quickly improve our strength. Once our strength has improved, are we worried that it will be difficult to earn credits?
It is difficult for a first-level warrior to earn 10 credits, but when it comes to second-level warriors, thirty or fifty credits are nothing.
Earning 100 credits at the second level can kill someone, but when you reach the third level, or a high level of the third level, it's not just a casual matter.
If you have any ideas, you can tell me and I will discuss it with the school. I think there is great hope."
"Fang Ping, are you serious?"
Yu Xianghua stood up and said attentively: "Can we really make an advance in advance?"
Fang Ping coughed dryly and said, "You may have to pay some small interest. For example, if you borrow 100 credits in advance, you may have to pay back one more credit every month."
"What the hell!"
Yu Xianghua didn't care!
Sometimes, when everyone makes a breakthrough, the only difference is the 100 credits. If they really need to borrow them in advance, if they make a breakthrough, does one credit a month count as a credit?
It's not a big deal if you just do a simple task casually.
In exchange for money, it's only 30,000.
Even Fu Changding and others became interested and asked curiously: "Fang Ping, is this really true?"
"Well, this is the school's plan. I'm here to ask for your opinions. This is also for the benefit of all students.
So when I go back, I will ask someone to do a questionnaire survey. If everyone really agrees, I will go to the school to negotiate."
"Okay you!"
Yang Xiaoman looked surprised and said: "You can now promote new policies in Mowu, okay!"
Fang Ping smiled reservedly and said: "We are all classmates. As you become stronger and Mowu becomes stronger, it will be safer if we do the task together.
Being happy alone is not as good as being happy together. Personal strength cannot mean anything.
Watching some students unable to practice and make breakthroughs due to resource issues makes me feel uncomfortable.
And as a member of our Pingyuan Society, I have also secured additional benefits for everyone!"
Fang Ping glanced at the others, pretending to be mysterious and said: "Our Pingyuan Club, because it has served everyone well before, the school means that it can lend certain credits to our club members for free.
This is much better than others. Pingyuan Society is not recruiting people from the outside now, otherwise it will be stepped down.
Also, the remote platform we are responsible for may conduct some activities next.
For example, if you buy a third-grade Qi and Blood Pill, you will receive an ordinary Qi and Blood Pill as a gift.
Or buy a C-level weapon and get a self-defense dagger as a gift.
Don’t tell others about these things for now. The school’s supplies are limited, so let’s buy them secretly…”
Everyone's eyes lit up. Even Zhang Ziwei, who didn't get along well with Fang Ping, came over and said, "Are you serious?"
Fang Ping frowned and said, "I didn't tell you, don't eavesdrop when you talk to people in our club."
After that, Fang Ping said to Fu Changding and others: "Let's talk as we walk, this is the benefit I fought for, don't let the old students take advantage of it."
Fu Changding and the others followed up in a hurry. Fang Ping whispered: "I just got carried away with myself. I shouldn't have said it to Laosheng. If they spread it, then we will have fewer opportunities..."
As Fang Ping's voice came faintly, Zhang Ziwei and everyone looked at each other. After a while, Zhang Ziwei whispered: "Keep it secret!"
Everyone nodded. The school's resources are limited. If you really want to do as Fang Ping said, buy a third-grade Qi and Blood Pill and get an ordinary Qi and Blood Pill as a bonus. This is all extra money.
Everyone consumes a lot of money, so every little bit you can save counts, but many times, you lose money when doing tasks.
…
Everyone agreed to keep it a secret, but by the evening, it had almost spread throughout the school.
"Have you heard? The distant platform exchanges elixirs, buy one, get one free, the price is the same as usual!"
"real?"
"Why are you lying to me? Remember to keep it secret. You don't have much. If someone finds out, it will be robbed immediately."
"must!"
…
"Do you know? The school allows us to borrow credits in advance and return them when they are due. However, the credits are not many and we need to review the qualifications. I don't know if we are qualified?"
"Is there anything else?"
"Well, I also heard from people. I heard that Fang Ping's Pingyuan Club allows you to borrow credits without charging any interest!"
"Why!" someone said unwillingly.
"Why else? I heard that it was Fang Ping who suggested it to the dean. The dean said that his suggestion was good. Fang Ping took the opportunity to say that Pingyuan Society has given a lot to everyone and often gives everyone things..."
"Fuck, if I had known I would have given it away, wasn't it just a way to get there? What a big deal, now all the advantages are taken by those people. By the way, can I still join the club now?"
"It doesn't seem possible. It's a pity."
…
On this day, the members of Pingyuan Club were all secretly happy.
Some members who originally had no income and did not receive much benefit have begun to think about withdrawing from the club.
But now that they know that Pingyuan Club can pre-borrow credits and borrow them for free, everyone is happy.
Compared with others, the people of Pingyuan Society do not have an advantage, and some of them have not yet become warriors.
But once you can borrow credits in advance, you might be able to make a breakthrough soon.
In the blink of an eye, Pingyuanshe became popular, and so did the news about pre-lending credits and platform discounts.
…
At the same time, Fang Ping patted Guo Sheng on the shoulder and praised: "Well done. When the club obtains the operating qualification, your advance loan limit will be at least 50 credits. It's free. You don't need to use it in vain."
Guo Sheng laughed innocently and said curiously: "President, this is a good thing, why should you tell others?"
Fang Ping chuckled and said: "A warrior who is dedicated to serving the public, is selfish and patronizes his own, is he still a warrior? Guo Sheng, think carefully and don't go astray."
"The president is wise!"
The little fat man had a look of admiration on his face. The president is the president. He is so enlightened!
Fang Ping laughed and walked away to see what it meant to gain both fame and fortune.
Wait until the beginning of the next semester, when freshmen are admitted, and a group of free laborers will be tricked in. The current group will probably all become warriors and will be useful in the future.