Martial Arts Reigns

Transforming the city lord's mansion into a bank can not only save a lot of rent, but also because he is the lord of Baoguang city, which is a golden sign in itself. He sits on a city with a huge net worth, and customers will be more willing to trust him and be willing to buy money. Deposit the money in the bank he opened.

On the first day of the bank's opening, of course there was publicity. The million people he hired were all over the streets and alleys of Baoguang City, holding promotional leaflets in their hands, and handing them out to the residents of Baoguang City one by one. The words on the promotional sheet are very provocative, such as Save money to Tongli, you will benefit all your life, Money can make money, become rich in three years, become the richest man in ten years, Lend money with small interest, benefit the world.

At first, the residents of Baoguang City didn't take it seriously. They saw a lot of money and so on, so most of them threw away the leaflet after a cursory glance. Of course, out of ten people, there are always one or two people who have moved their minds.

Not long after, the entire Baoguang City knew about the Tongli Bank, and everyone was talking about it after dinner.

Old Wang, do you think they are stupid? Not to mention helping us save the money, and paying back the interest, would this be a lie?

It turns out that when depositing money in most banks, not only will you not get interest, but you will also be charged a lot of custody fees. Tongli Bank did the opposite, not only waiving fees, but also paying interest, which subverted everyone's perception at once.

Certainly not, who owns Tongli Bank? It was established by the Yin Yang Sect and our city lord. Our city lord sits on a city and earns tens of billions of Wu Zun coins every year. He will swallow our little money? called the old man Wang's men shook their heads, Don't worry about it.

The man suddenly moved in his heart, and said: Old Wang, I have saved 100,000 Wuzun coins over the years. If I save them, wouldn't I be earning a lot of money every year?

Lao Wang pinched his fingers and said: If you save for one year, the annual interest is 20%, and you can get 20,000 for nothing if you save 100,000; La!

The man immediately became excited and said excitedly: Just three years! After three years, I will have 190,000 years. I will keep the 190,000 for another three years, and finally get 270,000!

Lao Wang was also moved, and murmured: I only earn 30,000 to 40,000 for a whole year. Let's save 100,000, and the annual income is basically equivalent to a year's income? Can't believe it's real.

Countless places, countless people are talking about it. The 20% annual interest rate is indeed too tempting, and finally there is the first person to eat crabs.

At noon, a restaurant owner came to the City Lord's Mansion. The owner's surname is Li. He runs five restaurants in Baoguang City. He is worth tens of millions and has a lot of spare money. This Boss Li has seen the big world, and knows that big people like the city lord will never cheat money from their little people. After thinking it over and over again, he decided to try saving a sum of money in the bank first. If it was true as the propaganda said, he would save more money in the future.

The opening of Tongli Bank today is a big day. Fu Biao, Cui Jingang, Yu Qianxian and others were all there, and they welcomed Boss Li in person. Boss Li was very humble and polite, bowing all the way into the door.

Because it was the first guest, Ye Ming received him personally and ordered his servants to serve him tea. Boss Li didn't dare to sit down in front of the city lord, he didn't even dare to say it, and said: Master the city lord, I'm here to save money.

Ye Ming smiled slightly: Okay, we welcome it very much. I wonder how much you want to save?

Boss Li smiled and said, I don't have much to save, so let's save 100 million Wusheng coins. Then, he took out a treasure bag with a storage finger.

Yu Xianxian immediately took it with both hands, and ordered someone to write down the voucher, amount, interest, date of deposit, time of withdrawal, etc. for her. Boss Li decided to save it for one year, and will withdraw the money today after one year. This certificate was made by Ye Ming with talisman paper. It is a third-level talisman in itself, which cannot be forged by others, and it can also record relevant information of depositors on it, which is very convenient.

He used this trick when he established the Sitong Bank. With the increase in the number of loans and deposits, his seven-yuan arithmetic can also analyze and judge the creditworthiness of each customer, which can be used as the basis for the amount of loan.

After Boss Li took the certificate, he saw that it was clearly written on it. Today, one year later, he can come to take away the principal of 100 million Wusheng coins and the interest of 20 million Wusheng coins. And since he is the first customer to save money, if Boss Li wants to borrow money in the future, Tongli Bank will give a 20% discount.

After Boss Li saw that everything was correct, he left happily. The interest of 30 million Wusheng coins a year is almost equivalent to the profit of his restaurant with the best profit. He thought beautifully, if this kind of thing is reliable, he will put all the deposits of 1.3 billion Wusheng coins in Tongli Bank.

With the first one, there will be the second one, and more and more people deposit their money in Tongli Bank. Moreover, the first person who borrowed money also appeared. The other party was a elixir merchant. He needed to buy a batch of high-quality and cheap elixir recently, but he had limited money and was worrying. Bank's flyer. With the idea of ​​giving it a try, he came to Tongli Bank located in the City Lord's Mansion.

This time, Yu Xianxian received the other party in person with a friendly and polite attitude.

Hello shopkeeper, I want to loan a sum of money, the amount is one billion Wuzun coins, I don't know if it's okay? The other party asked cautiously.

Yu Xianxian smiled slightly: May I ask your surname?

Miangui's surname is Zhou. The other party said quickly.

Hello, Boss Zhou. Next, I need to ask a few questions. Please answer truthfully, Boss Zhou. We will conduct relevant investigation and verification later. Yu Xianxian said with a smile.

Boss Zhou nodded again and again: Okay, I will tell the truth.

May I ask what business Boss Zhou does? Yu Xianxian asked.

Open the panacea shop.

How much is the annual profit? Is the shop your personal property?

The profit is about 50 million Wuzun coins per year. But I also do some other businesses, which add up to about 70 to 80 million. The shop is my own, and it was passed down from my ancestors. Boss Zhou said.

Have you always lived in Baoguang City? How much wealth do you have under your name? Are you in debt, and how much?

Three generations of my ancestors have lived in Baoguang City, and the wealth under their name is about three or four billion. I have no debts, but others owe me more than 20 million Wuzun coins, and the money has never been recovered. Boss Zhou said.

Yu Xianxian nodded: Boss Zhou's conditions are in line with the loan conditions. We need one to three days to verify. If what Boss Zhou said is consistent with the facts, we will notify you as soon as possible to come and lose the loan.

Boss Zhou was overjoyed: So, I may be able to borrow money? I won't use this money for a long time, at most three months. How much is the interest?

If the loan is for three months, the annual interest is 40%, and the loan of one billion Wuzun coins is for three months, the interest is 100 million Wuzun coins. Yu Xianxian said.

Only ten million? Boss Zhou said with a smile, Not much, not much.

You know, most banks, even if they only borrow for one day, the interest rate is as high as about 10%. If you borrow for one month, the interest rate will be more than ten times if you borrow it with rolling interest; if you borrow for three months, the interest will be as high as thousands of times!

Ye Ming has been sitting behind the scenes, and he has recorded all the deposits and loans. After dark, the bank closed, and he already had a good idea of ​​today's loan situation.

A total of 1,826 deposits were received today, totaling 32.6 billion Wuzun coins. There are more than 700 people who are preparing to borrow, and the total loan amount exceeds 80 billion. According to his estimation, 90% of these loan recipients can pass, and the final money released will be around 70 billion Wuzun coins.

After the bank closed, Ye Ming and others sat together to discuss today's business situation. Except for Ye Ming, everyone is optimistic about the current situation. After all, more than 30 billion deposits were collected in one day, and tens of billions of Valkyrie coins were collected in a year.

Unexpectedly, Ye Ming said: According to my idea, there should be more deposits than loans. But the situation is just the opposite. The amount of loans exceeds the amount of deposits. This situation is very dangerous. If it continues, one day we will have no money to borrow. In that case, the bank will I will not be able to explain to customers. Ye Ming said, Everyone find a way to reverse this situation as soon as possible.

Gongsun Yan said: I think this is only a temporary phenomenon. As the reputation of the bank grows, more and more people will deposit money in the bank. After all, money can make money, and everyone is not a fool. Why not save it?

Yu Xianxian said: I think so too. And I suggest that the bank should further strengthen its announcement to let more people know the benefits of saving money. It won't take long before the deposits will definitely exceed the loans.

Ye Ming nodded: I hope so.

Early the next morning, as soon as the bank opened, a customer came to the door, and the customer said, The shopkeeper is very polite, I am Su Sanquan, the leader of the Wanxiong Gang in Baoguang City. Our Wanxiong Gang urgently needs a sum of money. It’s a big business, so let’s take a loan.”

Yu Xianxian asked with a smile, How much money does Gang Leader Su need?

Three hundred million Valkyrie coins. Su Sanquan said.

Yu Xianxian was slightly surprised, but she still followed the procedure and asked about the other party's situation. This Wanxiong Gang is the largest gang in Baoguang City, and its forces are intricate, with nearly tens of millions of members. Many of the traffickers and pawns belonged to the Wanxiong Gang. The annual income of the Wanxiong Gang exceeds one billion Valkyrie coins, and the surplus money is also hundreds of millions, with industries spread all over the city.

According to Su Sanquan, he borrowed money this time to contract a spiritual mine located in the East China Sea. According to his estimation, the mining cost of Naling Mine is at least 500 million Valkyrie coins, but its value is at least ** billion Valkyrie coins, which is still very profitable.

Su Sanquan's conditions are completely in line with the loan conditions. Yu Qianxian was about to verify it first, but Ye Ming came out and said lightly: Let's just lend the money.

Yu Xianxian stood up and said, Master Su, this is our boss, that is, Master Ye.