Only Master Ni and Liu Yuexi were left in the room. Yuexi said seriously: "Master Ni, the stage has been set. I asked Ayong to do this just as a cover-up. Even with the support of Balak and Linmei, after all, this is all
The rogue tactics will not last long. The reason for making such a big noise is just to make Hongtai's people tired of dealing with it and avoid paying attention to you. Is the method you told me yesterday reliable?"
Master Ni calmed down and said firmly: "Brother Yue, this poor people's savings model of zero deposits and lump sums is not something I came up with on a whim. Someone has actually done it before, but that guy is a liar. In the end, he resorted to relying on
The method of attracting depositors by drawing savings accounts will certainly not last long. I have been thinking about improving this model. In fact, the current banks and pawnshops only deal with powerful and large customers, and they are not interested in absorbing the money of small depositors at all.
But the number of civilians and even refugees is huge. Even if each person has one star bead, there are nearly nine million people in the entire ten-town area, which is very impressive."
Yuexi thought for a while but still felt uneasy, "I think it makes sense that those big banks don't open small-amount businesses. There must be risks that we don't know about. I think we can't treat everyone else as fools. Only we are the smartest."
Well, others must have thought about it, and maybe there are risks involved that we didn’t expect?”
Master Ni obviously anticipated Yue Xi's worries and continued: "Brother Yue, you are really a cautious person. Let me explain that the current banking system relies on the enchantment tree World Tree to complete the exchange of financial data in different places. You
We know that the cost of communication between the barrier trees is extremely expensive, so big banks and money houses try to reduce the amount of meaningless data as much as possible. The biggest problem for retail investors is frequent transactions. For example, a depositor may withdraw 3 in Emerald Town today.
If you want to deposit 5 beads in Harbor City tomorrow, you may take them all out in Wangjing the day after tomorrow. The amount of data caused by such frequent deposits and withdrawals in different places will inevitably lead to losses, and no bank is willing to make a loss-making transaction."
Yue Xi nodded and asked again: "I understand what you said. The unit cost is high and the profit is low. So how do you plan to effectively reduce costs."
Mr. Ni smiled and said: "I only got the inspiration when I was handling the enclave development bonds. Hongtai took away the control of Chunya Pawnshop. We can't let Hongtai issue enclave bonds for us. In a short period of time, we will lose control of the enclave development bonds."
Since I couldn't get it back, I was wondering if we could issue enclave development bonds in a disguised form by taking lump sums. We used ten star beads as a basic unit, with terms of 1 year, 2 years, 3 years, and 5 years.
Different deposit periods are used as standards, and part of the rights and income rights of the enclave are used as savings rewards. Different amounts of rewards are paid according to the deposit amount and the length of the deposit. In this way, a large amount of savings can be absorbed at only a very low interest rate, and according to the
I learned that the common people at the bottom particularly believe in enclave bonds. I checked past records and found that the interest on enclave bonds is really not high, but there has never been a case of unsuccessful fund-raising. It can be seen that enclave development has great influence in the minds of common people.
It is so promising, so Brother Yue, you don’t have to worry about depositors suddenly running on their deposits. As long as the enclave is there, they will believe it. This is simply a natural credit guarantee. And I will also do targeted publicity, you
The communication with Hongyun in the enclave has become popular, and I plan to use this to build momentum."
Hearing this, Yuexi couldn't help but take a breath. This guy wants to open a big bank. He really dares to think that his ambition is bigger than Liu Yuexi's. She asked again: "As far as I know, there are requirements for opening a bank."
Yes, it’s so easy. Just for the settlement center, according to the requirements, you have to be able to settle in the three places of Harbor City, Wangjing, and Jade Town at the lowest level. How can we do it? Even if we do it, the data transmission fee will cost me
I can't afford it even for a month
ah."
The more Master Ni spoke, the more confident he became. He had already considered this issue, "Brother, you don't have to worry about this. I want to open a border bank. I have never thought about making the business so big. Our goal is to go to the ten towns."
Set up savings banks in remote areas to absorb savings, and then let Brother Yue have the money to develop the enclave. Brother Yue, our bank will only have one loan business, that is you. This does not require buying too much data transmission volume. We only need to
The head office can be opened in Feicui Town, just like Harbor City and Wangjing. I have already contacted my father, and he is willing to help me this time. The main thing I want to do is to go to Badu Town, a small town like Jianlin Town.
The local government opened branches and erected Hongyun's signboard."
Yue Xi thought it was interesting, but she was still a little worried, "What if depositors really want to use money and don't care about interest and the benefits of enclaves, but withdraw a large amount of deposits? Data transmission costs are very expensive, especially in these border areas.
"
Master Ni laughed after hearing this, "Brother Yue, you come from a poor background. Don't you know what it is like for poor people to save money? There must be a small amount of withdrawals, but it is not easy for ordinary people to save ten beads. You ask them to give up.
The interest benefit is to cut their flesh, how can I be willing to do so? Moreover, this is a border development bank. I plan to use the most traditional manual payment method to complete the main data settlement. Although it is slow, it is cheap and does not do real-time settlement.
Business. Believe me, Brother Yue, I dare not say anything else, our bank is definitely the most cost-effective bank in the world, and it will also be the bank with the most single business."
With Yuexi's poor financial knowledge, he could no longer think of any reason to refute. He gritted his teeth and made up his mind, "Okay, I'll listen to you. Let's open a big bank. What do you need me to do?"
"Approval, Brother Yue, our bank is very special. It uses the income from the rights of the enclave as part of the interest. This requires special approval from the Hong Kong Monetary Authority, otherwise it will be just like a scammer. My father will find a way to lend us the capital, but the approval
You can only do it, Brother Yue. This is very difficult and very difficult." Master Ni laid out the most difficult problem.
Yue Xi closed her eyes, clasped her hands, and sat on the chair, twirling her thumbs quickly, and suddenly opened her eyes, "Okay, please ask for help, I'll go, don't worry, I'm just holding Uncle Situ's thigh,
I’ll sell my face and I’ll get you the approval document.”
When Master Ni heard this, his eyes were brighter than ever before, like a wild beast seeing its favorite prey. He took out the documents he had prepared and handed them to Yue Xi, saying: "Brother, I have prepared all the relevant documents.
You just need to find the corresponding channel. By the way, our bank doesn't have a name yet. Brother Yue, you are the major shareholder, please give it a name."
Liu Yuexi was very excited when he heard that. Since he won the enclave, his life has really undergone a huge class transition. First, he became a doctor, and later Hongyunzhi became alive and could communicate with him, and he also had his own private life.
Although the legion is still in its infancy, it is now setting up its own exclusive development bank. Everything is like a dream. Yuexi thought about it for a long time. This bank exists for the development of Hongyun. It was jointly developed by Master Ni and him.
Have it, have it.
"Let's call it Hongyun Xixi Border Development Bank. Let everyone understand its origin and meaning at a glance." Yuexi was very satisfied with the name she chose.
Master Ni seemed to have different opinions, Du Nuo said: "I originally wanted to call Hongyun Reserve Bank, forget it, Brother Yue, you have the final say."
Yue Xi patted Master Ni on the head, and Master Ni shrank alertly. The two of them were as happy as if the matter of opening a bank had been completed. However, the matter had to be done quickly, and it had to be hidden from others. Yue Xi reminded Master Ni to pay attention to safety and not to go to the plague.
Infectious area
. He hurried back to the Liu Mansion. As soon as he arrived at the house, the knife was ready, and Zi Yue was packing Yue Xi's luggage. "How many days are you going to go this time?" Zi Yue was reluctant to let Yue Xi travel far away.
"Oh, I can't tell. It may take some time. There are quite a lot of things. The high-level awakening of the knife, the plague, and the two things I asked Uncle Situ to do are not easy. It may take some effort." Yue Xi.
I don’t want to go either, but I have no choice.
Twilight covered the suitcase and put it on the ground, "Then be careful, don't drink too much, take a rest and come back early."
Yue Xi hugged Zi Yue, the two of them stayed together for a long time and refused to let go. Yue Xi said softly: "Wife, I'm going. You stay at home, take good care of my mother, and keep an eye on Zi Ling. In the past few days,
Don't let your father see Zi Ling. I've also told A Yong and Liu Zi here. Anyway, he's the one who wants to play hard recently. If he dares to be rough, let Liu Zi and A Yong give him some hard time.
Yes, we will talk about everything after I come back."
"Yeah, I'll take note of it. I'll listen to you." Zi Yue nodded in agreement.
The two said goodbye reluctantly, and then Yuexi quietly went to Fuwen Station with a knife to meet Zhang Zi and Zeng Yi, and the four of them embarked on a journey to Wangjing.
In the dilapidated Holy Light Church in Longsai Village, Badu Town, a group of Chaos Truth believers wearing gray robes were holding a ceremony. The original square Holy Light podium had also been removed, and the light-transmitting stained glass behind the church was deliberately made thicker.
The thick curtain was covered, and the Holy Light mark was removed, replaced by the statue of the Quetzalcoatl God Naga Kulkan. The originally solemn and bright church was transformed into a dark and depressing one. Such a scene would make Wangjing Holy Light
When the magic-clothed elders of the academy saw this, I believe they would angrily activate the flames of the Holy Light to burn the place. This is a blasphemy against the Holy Light.
But this is meaningless. Remote areas like Longsai Village have long been forgotten. The church tour group has not visited here for ten years, and it is impossible for any elders to come to such a small place. The church originally
Pastor Li Lin has been reporting the poor situation of Longsai Village to the Holy Light Holy See for many years. Unfortunately, his request for help has never received a response. Perhaps even he did not expect that nearly a hundred letters of petition he submitted were all rejected.
The secretary faithfully picked them out and threw them into the wastebasket without exception.
His original firm and fervent faith was hit, extinguished, and even distorted time and time again. Li Lin was in despair. He was especially able to recite his mentor's teachings skillfully. Those words and scriptures with divine brilliance made him incomparable back then.
The longing made him extremely desperate now. This place needs to be changed, and the Holy See must be overthrown. Yes, he put on the golden feathered mask representing Quetzalcoatl, wore a scarlet robe, and stepped on the high platform in front of the triangular altar.
The believers offered their sacrifices and prostrated on the ground devoutly, waiting for Li Lin to distribute the divine water that could cure the plague to them. Everyone chanted repeatedly: "In the true name of the chaotic and almighty Quetzalcoatl, all praises
All belong to Naga Kulkan, the Lord of the worlds. Here, your believers pray devoutly. Unbelievers have polluted the earth. Please bring true disasters, throw the enemies into the fire, and lead your believers to the final destination.
paradise."
During this period, the Chaos Truth Cult, which was originally hiding in the dark, changed its low-key style in the past and used the divine water in its hands to seduce sick civilians. Many civilians in despair regarded the Chaos Truth Cult as the savior of the world.
The number is expanding rapidly.
"There must be something wrong with the divine water in his hand. After a while, I will pretend to get a copy so that I can take it back to show Mr. Liu." The person who spoke in a low voice was an inconspicuous young man. He got up and followed the team to receive a copy of the so-called water.