create

Chapter 47 Educating April

The efficiency of the Golden Apple Auction House was very high. Not long after, Aipel handed over a stack of cards made of unknown metal to Yue Chuan, "This is a gold scroll issued by the Golden Apple Auction House, each with a face value of 25 gold coins , a total of [-] tickets. Originally, half of the income from the tickets will be given to you, but the specific income from the tickets has not yet been calculated, and it will not be too much anyway.

Yue Chuan thought to himself, he still doesn't know who is taking advantage of whom.

As he brushed the stack of abnormally flexible metal rolls with his fingers, Yue Chuan wondered in his heart, could this be the banknotes from another world?It is said that these gold scrolls are all made with special alchemy techniques. Although they are only a thin layer like kraft paper, they are actually made of various precious magic metals. It is said that if many alchemy masters lack a certain material, They all directly dissolve the gold roll and extract the magic metal they need from it. Compared with this kind of burning money, those little kids who light cigarettes with banknotes are weak.

Yue Chuan put away the gold scroll, and asked casually: "It's really inconvenient to carry tens of thousands of gold coins when going out. It's much more convenient to exchange gold coins for gold scrolls. I don't know how much interest is there for storing gold coins with you? I don't need much for the time being." For money, open an account for me and deposit it in, it’s not bad to eat interest at home.”

Aipel looked at Yue Chuan strangely, and asked back: "We keep the gold coins on our behalf. Why do we have to pay interest and charge storage fees? We have three kinds of gold rolls with a face value of [-], [-] and [-]. Whether the volume is redeemed or withdrawn, it is worth [-]% of the handling fee."

A hanger like Yue Chuan, the total deposits in the bank are not as much as other people's interest, and he doesn't know all about the bank. He didn't know that when the bank was first established, not only did it have no interest, but it also charged money for safekeeping. handling fee.

"If you don't pay interest, why should people deposit money with you?"

Aipel gave Yue Chuan a white look, "Our auction house is not specialized in money exchange and safekeeping, but the circulation of money is too troublesome when auctioning items. If the amount is too large, we will replace it with this kind of gold roll. It is an IOU, but our money The Apple Auction House has a good reputation and a high degree of recognition in the mainland. People who get the IOUs not only do not come to exchange them, but use them directly as gold coins. Over time, our gold rolls will be circulated, but there is not much profit from this one. But, our main business is the auction house.”

Yue Chuan looked at Ai Poer with the eyes of an idiot, and almost yelled with his face close to his face: "What? You said opening a bank is not profitable? You said opening a bank is troublesome? You, you, you, thanks to your shrewd face, you are born What an idiot's brain!"

Is there anything more profitable than a bank?Is there anything more powerful than a bank?How many business tycoons have made their fortunes with bank loans?How can such a small business as an auction house be compared with a bank? The Golden Apple family really doesn't want to pick up watermelons, and they must hold sesame seeds as treasures.

In the more than 20 years of Aipel's life, apart from his father, he has never had such close contact with other people of the opposite sex.

After waking up, Ai Poer immediately became angry from embarrassment, but after hearing Yue Chuan's angry voice, she realized that Yue Chuan was not deliberately taking advantage of her, but was angry at her short-sightedness in business.April is an excellent and intelligent woman, especially in business, few people can match her shoulders, although she is not arrogant, but she also has the self-confidence from the bottom of her heart.Hearing Yue Chuan's accusation immediately aroused the arrogance in her heart.

"Hmph, are you blaming our Golden Apple family? Our Golden Apple family has been passed down for thousands of years. There are many geniuses in the family, and the sages are unknown. What you, a junior, can see, can't my ancestors not see? There are so many money houses on the mainland, but which one can become bigger and stronger? On the contrary, they go bankrupt one by one! If it weren’t for taking care of the circulation of coins in the auction house, we wouldn’t have worked so hard to make gold scrolls.”

Yue Chuan was so angry that his teeth were chattering, and he roared in his heart: "1 years, with such a long accumulation and development, even a small workshop of handprint paper can become a world giant."

Yue Chuan is often called the super prodigal son, but in Yue Chuan's view, the Golden Apple family is the super prodigal son of Tianzihao.

Huh... wait, April said the golden apple family just now, and used "our golden apple family" from the table.Before that, Yue Chuan guessed that Aipel was a confidant or even a relative of the person in charge of the Golden Apple Auction House, but now he finally got confirmation from Aipel.

To be honest, Yue Chuan didn't know much about the bank's profit model. For Diaosi, whose living expenses were only 500 yuan a month, the flow of funds worth tens of billions of dollars was so far away that it was close to the humanistic style of a different-dimensional world.However, Yue Chuan is a native of Earth after all, and he has seen bank outlets all over the streets, and he can throw out some bluffing things after a lot of research.

"Before I explain, I have to tell you that the business that specializes in money storage and exchange is definitely the most profitable. The degree of huge profits can complete the wealth accumulation of your Golden Apple Auction House for tens of thousands of years in a period of one to two hundred years. .”

April had the urge to laugh with her hips akimbo, and it was the funniest joke in the world.But thinking of her image as a lady, April stopped this impulse, but the mocking smile at the corner of her mouth couldn't be smoothed away.

Yue Chuan didn't expect that he could make Aipel jump out of his stubborn prejudice with a single word, so he continued: "Let's put it this way, if you open a bank, absorb money from the rich and ordinary people, and let them deposit the remaining money in the bank, Then the bank pays interest to it every cycle, so wouldn't it be possible to gather tens of millions or even hundreds of millions of gold coins in no time?"

Yue Chuan's words made Aipel's heart skip a beat.In their inherent thinking, they always keep property for others and charge fees, but they never think of paying interest for keeping property for others.However, with the reputation of the Golden Apple Auction House, if you pay some interest, you can easily absorb a large amount of funds from all walks of life.

"However, the more funds we absorb, the more interest we pay? We have to pay tens of thousands of interest every day. Why do we do this?"

Yue Chuan looked helplessly at Aipel's exquisite face, and sighed in his heart: This woman, sometimes shrewd, makes people feel scared, but being stupid can also make people feel like grass!
"Loan lending! Do you understand?" At this moment, Yue Chuan's sense of superiority rose, and he said old-fashionedly: "Others deposit money in the bank and give him 30.00% interest every year. Ten percent of the interest, the [-]% difference between the in and out, isn't it your own? Moreover, the interest rate of usury is far more than [-]%, [-]% and [-]% are also very common. In real terms, it can be operated The profit margin is far more than [-]%. Moreover, this is borrowing money to make money, and is there anything more profitable than this?"

Borrowing is an unavoidable thing when doing business. There are so many people who specialize in borrowing, and there are many examples of family ruin because of loan repayment, so the reputation of the lending industry has always been notorious, and it is called usury.But it is undeniable that the usury industry is really very profitable, far more profitable than the fixed handling fee of the auction house.

Aipel knew that the only deadlock in the usury business was the impeded flow of funds. The lenders themselves had limited funds, and the borrowers were unable to pay the arrears and interest for a long time. If there were too many bad debts, the lenders would not only be unable to make profits, but would have to Losing money, the violent means in loan sharks are not all due to the lack of conscience of the lenders.However, according to what Wumont said, absorbing idle funds from the private sector is equivalent to having an endless source of funds. As long as the number and speed of one in and one out are well controlled, it is simply a huge profit sitting at home and counting money.This is indeed borrowing chickens to lay eggs, and borrowing money to make money.

The most important thing in running a bank is the issue of credibility. Only when others trust you will you deposit your money in the bank, and only with this source of funds can you operate a series of subsequent things.Otherwise, the so-called bank is a castle in the air, and it is impossible to realize it.But when it comes to reputation, who is stronger than the signboard of the Golden Apple Auction House?The banking industry was tailor-made for the Golden Apple Auction House.

Yue Chuan kept shaking his head, looked at Ai Poer very regretfully, and said in his mouth: "The ancestors of the Golden Apple family are simply begging for food with golden rice bowls. If they could use their brains more, they would have established a business empire throughout the continent. The gold coins in their hands can easily kill any legion and destroy any empire, tsk tsk, what a pity, 1 years of blindness!"

When April heard these disrespectful words to the Golden Apple family, he was naturally annoyed and angry, but he felt ashamed and had nothing to say.

"Let's discuss, I will teach you how to open a bank, how about sharing half of my shares?"

"Half? Why don't you grab it!"

　感谢【震投了3票】感谢【书友25046527投了1票】感谢【气死人不要命投了1票】感谢【嚷幢投了2票】

　　The first one is sent, please recommend a ticket

　　


(End of this chapter)