Immortal Mansion Royal Beast

"Oh, what exactly is the deal?"

Kalxi showed an interested look. As a monk of the Beast Taming Sect, he was not afraid of risks, but he was afraid of staying poor.

Fang Qingyuan considered it again and again before he began to talk about his idea. Now, according to the power of Qingyuan Sect in Baishan, if he could also bring in the Southern Xinjiang Beast Taming Sect and the Southern Chu Sect, then he could now try to do what he had not dared to do before.

"I wonder if Brother Kaer has ever heard of the United Bank?"

Kalxi was startled, then hesitantly asked, "Is it the kind of business that lends money at high interest?"

Apparently, there is also a tradition of lending money at high interest in the cultivation world. If someone lends you ten spirit stones, you have to pay back thirteen next month.

Of course, the real interest rate may not be that high, but lending money at usury is meant to make dirty money, which has a bad reputation in the eyes of outsiders.

Moreover, this kind of business is mainly popular among low-level cultivators. Once their cultivation level reaches a high level, those who lend money at high interest rates dare not lend money.

Who knows if you don't want to pay back the money in the end and just kill the creditor? This way, the debt can be resolved.

Therefore, low-level cultivators are easy to control. If you don’t, you can ask for help from cultivators with higher cultivation levels. However, this is limited to the foundation-building level. If you go higher, the golden elixir will value the small things from the Qi-refining cultivators.

Therefore, those who lend money at high interest have always been at the low end. This industry can be regarded as a business in the gutter and has never been in the eyes of large forces.

Now that Fang Qingyuan brought up this business, Kalxi understood that Fang Qingyuan was not just saying it casually, he must have his own opinions.

"They are somewhat similar in nature, but what we want to do is much more than that. In my imagination, we want to set up a large bank that can accept deposits from all the cultivators in Baishan. For every 100 low-grade spirit stones they deposit, we can give them 105 after one year..."

Hearing this, Kalxi couldn't help but interrupt:

"Can we still accept deposits from cultivators? And pay interest? Let's not talk about whether we will suffer losses. Each cultivator who can take out a hundred low-grade spirit stones has a storage bag. Why would they keep it with you instead of keeping it for themselves?"

In Kalxi's opinion, no force is willing to do this. In today's cultivation world, people still tend to rely on a self-sufficient small-scale peasant economy. If low-level cultivators want to get something, they will only accumulate it slowly and will never borrow money in advance.

Spirit stones are not only currency, but also strategic materials with extremely high use value. They can be used in meditation, cultivation, and setting up formations, basically anywhere.

It’s safer to carry this kind of thing with you, but as for giving it to outsiders, haha, I don’t trust anyone.

Seeing Kalxi's reaction, Fang Qingyuan knew in his heart that this was the truest thought of most cultivators. Even though Kalxi had a relatively high status, his thinking had not changed.

"In the beginning, our target was not those independent cultivators from Baishan. They are the most cunning and will not come unless they see benefits. Our target is those cultivation families and sects. Their spirit stones are kept in the warehouse and gather dust every year. Why not invest them with us and earn some interest?"

Nowadays, the various cultivation families and sects in Baishan are similar to the wealthy landlords in Fang Qingyuan's previous life during the Ming and Qing dynasties. They store dozens, hundreds, and thousands of kilograms of large silver balls in their cellars, but they never take them out for consumption.

Firstly, there are no investment channels, and secondly, there is a strong sense of crisis and people dare not spend money.

"It's safer to keep them here than in their own sects and families. Over the years, many sects and families have been plundered by robbers who broke into their mountain gates. If most of the spirit stone reserves are here, firstly, the chances of them being robbed will be reduced, and secondly, they will have the capital to make a comeback."

Fang Qingyuan spoke eloquently about the benefits of storing spirit stones in his own spirit business, focusing on the fact that they were safe and profitable.

As long as these two basic points exist, Fang Qingyuan believes that the various small forces in Baishan will be willing to give a part of their spirit stones a try.

After listening for a long time, Kaerxi said in a muffled voice:

"Then where is the way to make money? If I only collect spirit stones and pay interest every year, I won't be able to do this in less than ten years."

"As long as there is deposit, there is borrowing. As long as the interest rate is higher than the deposit interest rate, then the operation of this spiritual business will be worry-free. However, there must be very few forces that dare to borrow at the beginning, so I came up with another idea. Brother Kaer, have you heard of investment banks?"

··········

After coming out of the Southern Xinjiang Beast Taming Sect, Fang Qingyuan looked calm. Just now, under his series of attacks, Kalxi felt that he was about to be confused. The large number of new ideas and concepts thrown out were indeed difficult for this three-hundred-year-old Jindan elder to cope with.

So Kalxi said that the matter needed long-term consideration and allowed him to think about it for some time.

Fang Qingyuan also decided to quit while he was ahead. Such a major matter would not be resolved in a day or two. According to Fang Qingyuan's own calculations, it would be good if Kalxi could make a decision within half a year.

The reason why Fang Qingyuan wanted to bring Kalxi along was mainly because of Kalxi's identity. Currently, he is not as good as other influential cultivators of the Kal family. If he could bring Kalxi along, with the blessing of the Kal family, the newly born Baishan Lingxing would encounter much less resistance.

Now he is going to deceive another major shareholder, Chu Hongshang of South Truman.

In Fang Qingyuan's initial conception, Baishan Lingxing should have the background of Nanjiang Yushoumen and the Kaer family; Nanchumen and the Qiyun Chu family;

With the support of these two companies, who in Baishan would dare to openly trip them up?

The remaining will be given to the Baishan Beast Taming Sect, and the rest will belong to the Qingyuan Sect.

As the size of Qingyuan Sect continued to expand, it became difficult to develop new sources of income from the original territory, and it had previously relied on the support of the Immortal Palace to survive.

Without the Immortal Palace, the Qingyuan Sect would go bankrupt sooner or later, so Fang Qingyuan came up with this method to cut off the Qingyuan Sect's dependence on the Immortal Palace.

In fact, if there were other ways, Fang Qingyuan would not want to be so radical. After all, things like banks and investment banks are indeed a bit too advanced for Baishan.

If this kind of thing were placed in the heart of Qiyun, its development potential would definitely be greater than in Baishan, because Qiyun's industry and commerce are more developed, and in the giant fairy city, there are already many cultivators who no longer rely on spiritual lands for their livelihood.

At present, Baishan still lives a self-sufficient life, and some families and sects are eager to produce all materials by themselves.

Grow your own spiritual rice, weave your own spiritual cloth, and refine your own spiritual medicine. As long as you can produce it yourself, you will never spend spiritual stones to buy it from outside.

In this environment, what Fang Qingyuan proposed seemed inappropriate, but for now, Fang Qingyuan could only open up financial resources for the Qingyuan Sect through these new industries.

Because other traditional industries were all monopolized by the original Baishan old forces, Fang Qingyuan also wanted to live a comfortable life by relying on the monopoly industry, but unfortunately the situation did not allow it.

The spiritual rice ration is monopolized by the Lingmu League. More than 70% of the spiritual rice market in Baishan is subject to the control of the Lingmu League. If they decide to raise the price this month, most of the cultivators in Baishan will have to eat dirt next month.

The mining industry is jointly controlled by the Ruijin League and the Baishan Sword Sect, the magical weapons are controlled by Lihuo and Lianshui, and the elixir market was originally occupied by the Dan League, but is now being divided up by other forces in Baishan.

Businesses like these that can easily make money are not the Qingyuan Sect's turn to do. If the Qingyuan Sect is determined to intervene, it will face encirclement and suppression, or even war.

To be honest, Fang Qingyuan was not afraid of fighting. He also understood that taking away someone's wealth was like killing their parents. It was a life-and-death feud.

But now the Qingyuan Sect lacks its own foundation, and its combat power is all bear beasts of the Xiongfeng series. These bear beasts are driven as the main force to go to the battlefield. What does Xiong Feng think?

Let my people die? Just to make Qingyuan Sect's life better. We are partners, not slaves.

At least the combat power must be equal. No matter how many golden elixirs Xiong Feng produces, Qingyuan Sect must also have an equal number of golden elixir cultivators. This is fair.

Moreover, the war is imminent, and the benefits promised to Xiong Feng and his group have not been fulfilled. How can you expect them to risk their lives for you?

This is the dilemma of the new forces. If there is no way out in the traditional industries, then they can only find a new way out.

Therefore, Fang Qingyuan launched joint-stock banks and investment banks. Later, Fang Qingyuan also wanted to establish a futures trading market and eventually a stock market.

Compared with traditional industries, finance is the best means of plundering wealth, and it kills people without being seen, which is the most insidious.

However, good finance can effectively enhance the vitality of a region. Baishan has always been synonymous with chaos and poverty. If the factor of a financial behemoth is added, what will happen to Baishan?

Fang Qingyuan is looking forward to it.

···········

In Nanchumen, after Chu Hongshang heard Fang Qingyuan's ideas, she was also shocked by them.

Chu Hongshang originally wanted to find Fang Qingyuan to discuss whether the two families could cooperate in the pioneering war twenty years later.

Yes, Nan Chumen also decided to participate in this pioneering war.

Opening up a war is not like exterminating a demonic disaster. It is not compulsory and is based on the principle of voluntary participation.

The Nan Chu Clan had no intention of participating at first, but the Qiyun Chu family had Chu Wen, the original Jindan cultivator, who had successfully formed a fetus some time ago. He wanted to be enfeoffed, so he needed to participate in the war of development and plan a fourth-level spiritual land.

As for the reason why Chu Wen could not continue to stay in Qiyun Zongshan, it was because Chumen Mountain, a fourth-level spiritual land, could not support two Nascent Soul cultivators at once.

Of course, the reasons are rather complicated and involve the situation of the Chu family within Qiyun, so Chu Hongshang doesn't need to explain them.

Chu Hongshang didn't seem to care much about Fang Qingyuan's proposal. Unlike Kalxi, Nanchumen's finances were good and they were not short of spirit stones.

Nan Chu Clan is good at refining equipment and making elixirs, which are the two most profitable businesses. Moreover, Nan Chu Clan's goods can be distributed to Baishan and Qiyun. As the closest Qiyun root sect outside the Baishan territory, Nan Chu Clan can live a comfortable life by trading some supplies back and forth.

"How do you come up with these ideas?"

Chu Hongshang sat gracefully on her crystal chair. Because Xiong Feng was present, Chu Hongshang did not show her usual laziness.

"These are all things I have figured out on my own in my daily life. I have just compiled them and am ready to give them a try."

Fang Qingyuan spoke without hesitation, but Chu Hongshang didn't care. Her interest shifted quickly.

"Do you want to go to Qiyun Mountain?"

Fang Qingyuan instantly became alert. What did Chu Hongshang mean by suddenly saying this? Was she trying to trick me into joining Qiyun?

Well, being able to enter Qiyun is the lifelong dream of many cultivators, so this is not nonsense.

"I'll go there in a while. I just returned to Baishan and I'm still busy with things. How about waiting until I'm more settled?"

Chu Hongshang grinned, leaving Fang Qingyuan stunned.

Jiang Kui is not here at the moment. According to her status, she cannot attend such occasions.

"With your aptitude, it's a pity for you to stay in Baishan. Do you know how long it has been since a new Divine Transformation cultivator appeared in Baishan?"

Fang Qingyuan's expression remained unchanged. He asked doubtfully:

"Thousands of years? Ten thousand years?"

"It's sixty-eight thousand years. In other words, if you go to Baishan, basically the late Nascent Soul stage is the upper limit. Although with your qualifications, the hope of achieving the Divine Transformation is very slim, but in Baishan, there is absolutely no chance of that."

Chu Hongshang, as a Nascent Soul cultivator from the Qiyun Chu family, obviously knew a lot of inside information. At this time, she wanted to give Fang Qingyuan some advice.

"Baishan was originally named Shuangshan Sect, which is a branch of the Yin-Yang Sect of the Great Dream in the upper realm. As early as more than 100,000 years ago, the Shuangshan Sect settled here. The reason why they are called Shuangshan Sect is because there were originally two immortal mountains here, one black and one white."

"But now there is only one white mountain? Where is the black mountain?"

Chu Hongshang stood up, took a few steps, and came in front of Fang Qingyuan.

"Black Mountain? It flew away, haha."

Fang Qingyuan was completely confused by what he said. Just when he wanted to ask for clarification, Chu Hongshang refused to say anything again. Fang Qingyuan looked at her mischievous smile and realized that this beauty with thick legs really enjoyed teasing others.

"Now, it is not the time for you to get in touch with these secrets. Wait until you have formed your infant. Most of the secrets of Baishan will no longer be secrets to you. In short, if you don't want to be locked up in Baishan for the rest of your life, find another way out as soon as possible. I can try to provide you with Qiyun's way."

Hearing this, Fang Qingyuan thanked Chu Hongshang solemnly. This female cultivator did have great kindness towards him.

"We can cooperate in opening up the war, and we can evenly share the merit points of both families. Maybe you can even become neighbors with Chu Wen in the future."

········

After coming out from Nanchumen as a guest, Fang Qingyuan's mind was still full of what Chu Hongshang had just said.

What are the Black Mountain and the White Mountain, what is the Daming Yin Yang Sect and the Shuangshan Sect? These involve the biggest secrets of the White Mountain and are closely related to his current situation.

On the way back, Xiong Feng had a strange look on his face. As a capable younger brother of Jin Bao's father, he had lived for thousands of years and actually had some secrets in his mind.

Xiong Feng didn't understand the use of these experiences. Now, after hearing the secrets revealed by Chu Hongshang, Xiong Feng connected them together and felt a little more worried.

Fang Qingyuan saw Xiong Feng like this and asked with concern:

"What's wrong? Do you feel stressed after hearing these human secrets?"

Xiong Feng snorted and said seriously:

"In fact, I have seen the black mountain that Chu Hongshang just mentioned."