Fulu Rubik's Cube

Chapter 802
After Xu Qingzhi and other primordial gods and masters present read the volumes in their hands, they opened their mouths and said:

"The so-called 'qianzhuang' refers to the operation of accumulating wealth and making it easy to generate interest. Its functions are mainly currency exchange, saving money, and releasing money.

There are also some money houses in this world, but they are very small in scale and have not played much use. "

Seeing Xu Qingzhi's silence, a Yuanshen Zhenjun immediately asked:
"Master Wushuang, can you explain in detail the benefits of establishing a 'bank'?"

Xu Qingzhi smiled and said:
"I'm going to talk to fellow Taoists in detail.

Before I describe this matter, I would like to ask you fellow Taoists a question,
That is, where are the wealth of practitioners in this world used? "

Zhenjun Jiangyun smiled and cheered and said:
"The various resources, magic treasures, Taoist books and daily needs needed for practice are roughly these."

Xu Qingzhi shook his head and said:
"Wrong, only a small part of the practitioner's wealth is used in these places, and more is hidden for emergencies."

From Xu Qingzhi's words, Feng Zhaohai and the many primordial gods present here understood her intentions.

Sure enough, Xu Qingzhi continued:
"Our department once conducted a survey of 1 people in the territory.

Among the 1 people, there are practitioners, including Jindan real people and innate monks, as well as ordinary people, including farmers, businessmen, craftsmen and other people from all walks of life.

After a decade-long investigation, a conclusion was drawn from it.

That is, as long as there is no unexpected situation, these people will only transfer [-]% of their own wealth to operate.

The remaining [-]% will basically be stored at home for future use.

It's the same for one person, it's the same for 1 people, it's the same for [-] million people.

Fellow Daoists can imagine, if this scope is extended to this world, how much wealth is always in this state of being under pressure and eating ashes.

If we can operate these wealth, what a significant impact we can have on this world. "

At this moment, all the primordial gods present here held their breaths, and were brought into some imagination by Xu Qingzhi's words.

Feng Zhaohai thought for a moment calmly, then suddenly asked:
"Master Wushuang, is your intention to seize the wealth of monks in the world for your own use?"

The eyelids of Mao Yuan and some Yuanshen Zhenjun moved slightly, and their eyes immediately glanced over.

'Is the gap between 'Yunxiao 33 Tiangong' and 'Nanzong' so huge?
If the words of "seeking to seize the wealth of the monks in the world" spread out, I am afraid that Yiqi Nanzong will be pushed to the opposite of all the monks in the world!

Hehe, you really spare no effort to suppress everywhere! '

A dark golden light flashed in Xu Qingzhi's eyes, and he looked at Feng Zhaohai coldly.

"Friend Daoist Feng, if the noble sect is unwilling to participate in such a thing of great merit to the world, please leave for a while, and don't send it off!"

"Hiss—!"

Xu Qingzhi's undisguised words surprised everyone present.

Feng Zhaohai came here on behalf of 'Yunxiao 33 Heavenly Palace', and 'Nanzong of Xiantian Yiqi' dared to speak to him in the boundary of Laizhou so unceremoniously.

This undoubtedly shows that the "Nanzong of Xiantian Yiqi" now has the ability to compete with "33 Tiangong in the sky".

'It's strange, where does the Southern Sect have the confidence to be right with Yunxiao Tiangong? '

Don't look at Yiqi Southern Sect now has nearly a hundred real kings and thousands of golden cores, but this strength is nothing in the eyes of the top-rank sect.

In particular, Yunxiao Tiangong is still a second-rank sect. It is said that because of fighting against the void Zerg, it has gained a lot of merit, and one of its sect has advanced to the rank of Taoist Lord. Now there are four Taoist Lords in charge.

And there are no less than 300 Yuanshen Zhenjun in his sect.

The strength of the 'Xiantian Qi Nanzong' has indeed grown rapidly in recent years, but with these, how can it compete with Yunxiao Tiangong.

Some doubts arose in Mao Yuan and the others.

At the same time, he also became interested in the "bank" that Xu Qingzhi said, not for anything else, only for the four characters of "the merits of heaven and earth".

Feng Zhaohai also didn't expect Xu Qingzhi to scold him mercilessly, and couldn't help being furious.

He clapped his left hand on the table and was about to stand up when someone beside him stretched out his hand to hold his arm.

"Listen to her!"

Feng Zhaohai's heart shuddered, he hummed, his body relaxed slowly, and he didn't care about it like he did.

Sitting next to him was an ordinary-looking Tiangong Yuanshen Zhenjun, whose sense of existence was extremely low, and many Yuanshen Zhenjun around him always subconsciously ignored him.

But when he was noticed by many eyes, he could no longer maintain that state.

Mao Yuan and the others are astute, they can calm down Feng Zhaohai, and those who are always ignored by themselves and others are ordinary people.

One by one, intentionally or unintentionally, they gradually dispersed to the side.

Daoist Tuohai was also helpless, he understood Feng Zhaohai's thoughts.

Because of his fairly good relationship with Zhang Ke, he has been excluded a lot in the past few years.

Naturally, he would take the opportunity to spare no effort to suppress the 'Xiantian Yiqi Nanzong' in front of himself, showing that it has nothing to do with Yiqi Nanzong.

This is why he speaks out repeatedly today.

But in this way, the self who came here with a hidden identity was exposed, really.
He didn't know what to say right now.

Feng Zhaohai was secretly annoyed, he also found out his mistake, at this moment his thoughts were how to recover the lost points in front of Daoist Tuohai, he no longer cared about what Xu Qingzhi said.

Xu Qingzhi's eyes swept across Daoist Tuohai's body, and then continued:

"As we all know, the comprehensive strength of this world is rising rapidly.

Both the number of practitioners, the difficulty of breaking the mirror for practitioners, and the concentration of vitality between the heaven and the earth are all very different from hundreds of years ago.

This means that the strength of the practice world will achieve breakthrough growth at this critical juncture.

Such a once-in-a-lifetime opportunity, if our sect does not seize the opportunity to improve quickly, it will mean the stagnation and regression of the sect's strength. "

The minds of many primordial spirits and true monarchs present were stunned, and they paid more and more attention to Xu Qingzhi's words.

Zhenjun Jiangyun couldn't help asking:
"Master Wushuang, everyone knows what you said, but what does this have to do with the 'Qian Zhuang'?"

Xu Qingzhi said seriously:

"Most of the wealth of monks in the world is hidden in the dark today, but if these wealth are not operated but kept hidden, what is the difference between it and nothing?

The significance of the 'bank' is that it can operate these hidden wealth, so as to accelerate the improvement of the foundation of the local realm. "

Then she looked at Zhenjun Jiangyun and said:
"For example, Fellow Daoist Jiangyun has [-] gold talismans, excluding the usual accumulation and expenses, there will always be [-] that will not be used.

Then, Taoist friends can deposit the seven thousand gold talisman money into the 'bank'.

And the 'bank' will not only keep the [-] gold talisman money for the fellow daoist for free, but also return a part of the talisman money to the daoist friend every year as interest according to a certain proportion.

If fellow Taoists need to use the seven thousand gold talismans, they can also take them from the 'bank' at any time.

At the same time, if fellow Taoists need more talisman money urgently, they can also apply to the 'Qian Zhuang', and the 'Qian Zhuang' will lend them as appropriate.

Of course, this also has to pay a certain amount of interest to the 'bank' as a reward. "

Xu Qingzhi described the function of the 'bank' very concisely.

Originally, she wanted to take this opportunity to ridicule Feng Zhaohai's previous words, but she looked at the unknown practitioner beside her and held back.

Mao Yuan asked with some doubts:

"Master Wushuang, my 'Yunyan Jiao' Mao Yuan is puzzled and wants to ask for advice?"

Xu Qingzhi cupped his hands and said:

"Fellow Taoist Mao, please tell me!"

"I understand what Master Wushuang means. If the 'Qian Zhuang' is established, it will indeed be able to use the stagnant wealth in the world.

However, the "bank" does not charge storage fees for practitioners to keep their wealth, but pays interest. Isn't this a loss-making business? "

In the Azure Realm, sects in some places have also established 'banks' to keep property for practitioners.

After all, practitioners are a group that needs to travel around. When they go out, they always worry about losing their belongings.

If it is stored in the 'bank', the security will naturally be very different.

But almost all "banks" will charge a certain fee while keeping the property, and the greater the value, the higher the storage fee.

At this time, hearing Xu Qingzhi's diametrically opposite actions regarding the 'Qianzhuang', everyone couldn't help being very surprised.

Free custody also pays interest, which makes everyone puzzled.

Xu Qingzhi smiled slightly. When Zhang Ke told Xu Qingzhi about the 'bank', she had the same doubts.

This belongs to the 'knowledge barrier'. The inherent thinking rigidifies the mind, and it is impossible to transform the mind without breaking the ice.

"Let me use an analogy to explain to fellow daoists.

Fellow Daoist Mao is from the Southern Region. For example, Fellow Daoist found a benefit in this gate.

Hmm. Take [Kong Xing Zhou] magic weapon as an example, the [Kong Xing Zhou] for ten people needs [-] gold talismans, isn't the price too high? "

Mao Yuan shook his head and said, "Not high!"

Xu Qingzhi smiled and said:
"Very good, then, this [Empty Sailing Boat] brought back to the Southern Territory, one can be sold for [-] gold talismans, can it be sold?"

"of course can!"

Xu Qingzhi nodded.

"But Fellow Daoist only has [-] gold talismans on him, and he can only buy [-] [Empty Sailing Boats]. If you transport them back to the Southern Region, you can get [-] gold talismans, right?"

Mao Yuan vaguely grasped Xu Qingzhi's thoughts, and nodded thoughtfully.

Just listen to Xu Qingzhi continue:

"If there is a 'bank', if you can lend [-] gold talismans, it means that you can buy [-] more [Kong Xingzhou], which is the benefit of [-] gold talismans.

The more you borrow, the more you earn.

So, are fellow Taoists willing to pay a very small amount of interest for lending? "

Mao Yuan said with certainty:

"Of course I would, but what does this have to do with the 'Qian Zhuang' paying interest on depositors?"

Xu Qingzhi smiled and shook his head, explaining:

"The interest rate for those who borrow money from the 'bank' will be higher than the interest rate for those who deposit money in the 'bank'.

For example, if you deposit [-] gold talismans in the 'bank', you can get [-] interest per year.

But if you borrow talisman money from the 'bank', you need to pay five hundred interest in that year.

The two hundred price difference is the profit of the 'bank'. Of course, when it comes to the actual situation, there will be a more rigorous calculation.

With this explanation, fellow Taoists, can you understand the operating mechanism of the 'Qianzhuang'? "

Mao Yuan and the many Yuanshen Zhenjun present finally understood the key.

Zhenjun Jiangyun thought for a while, and asked again:
"Then if the depositor's interest amount is greater than the borrower's interest amount, wouldn't the 'bank' lose money?"

Xu Qingzhi glanced at Zhenjun Jiangyun appreciatively, this question is only of a level.

"Establishing a 'bank' to earn wealth is only one of the purposes, and its real role is to operate these stagnant wealth and promote the development of the local realm.

And this is what the Zongmen and I should pay attention to. "

After a brief pause, Xu Qingzhi continued:
"This realm is developing rapidly, and I think there must be some pressure on the resources of all the sects present here."

Zhenjun Jiangyun couldn't help rolling his eyes at Xu Qingzhi.

Knowingly not.

With the example of 'Xiantian Yiqi Nanzong', all sects all over the world are popularizing education in their sects.

But this is destined to be an investment that will not see a return in the short term, plus various new things and new measures that Yiqi Nanzong pushes to the outside world from time to time, all of which require massive resources to support.

Why some sects discovered the benefits of 'compulsory education' 200 years ago but still can't make up their minds.

Isn't it because this initiative requires too many resources and will affect the development of the sect?
But when they heard Xu Qingzhi's words at this time, they had already understood his true intention.

Sure enough, Xu Qingzhi laughed and said:

"That's why our sect invites you to build a 'Qian Zhuang' together.

Because we can borrow wealth from the 'bank' and use future money to develop the most important things now,"

The hearts of all the primordial gods and true monarchs present were all moved, and each of them had inexplicable expressions on their faces.

Xu Qingzhi saw it clearly, and immediately poured cold water on everyone's hearts.

"Don't think about arbitrage without capital. If the 'Qian Zhuang' is really established, it must have an extremely rigorous operating model.

This is related to the reputation of all sects, don't lose the big because of small things. "

Mao Yuan's face became hot, and just now, many thoughts that he shouldn't have had arisen in his heart.

The representative of 'Tiandaozong' this time is Zhenjun Baoshu, who is a Kunxiu.

For anything related to the merits of heaven and earth, whether it is the "Tiandaozong" or the "Mingdezong", they are most concerned.

After thinking for a moment, Master Baoshu said:

"Master Wushuang, it's not difficult to establish a 'bank'. Your family can complete it by yourself. Why do you need to call us to discuss it together?"

This is also what Feng Zhaohai and the other true masters of the primordial spirit are wondering at the moment.

Xu Qingzhi sighed softly:

"Because there are too many interests involved in this, and the family is weak but cannot complete it independently."

Mao Yuan couldn't help but look sideways secretly, he dared to be right with the top-rank sect before, but now he fell down and became smaller.

Xu Qingzhi laughed at himself, and then said seriously:
"Everyone must have noticed that the construction of the 'Qianzhuang' is very simple, and there is no difficulty for the sects present here.

Because the most critical reputation is endorsed by the sect, it can gain the trust of many practitioners.

But also because of this, if our sect establishes a 'bank' on its own, then your sects will surely follow suit after seeing the benefits.

But in this way, we will be in internal friction and introversion, which is extremely detrimental to all our sects.

The key is"

Xu Qingzhi took a breath and said:
"The most important thing is that in this way, the main circulation function of the 'bank' will be restricted."

Without waiting for everyone to speak, she continued:
"For example, if a practitioner deposits money in the 'bank' established here, what should he do if he suddenly wants to withdraw money when he is traveling in the 'Tiandao Sect'?
Presumably, the noble sect would not pay his own money to the practitioners who saved money in his sect, would he?

The actual utility of the 'bank' will be greatly reduced, because practitioners who deposit and withdraw property cannot use their own property when needed.

But if all our sects unite to do this, we can solve this matter perfectly.

No matter where a practitioner deposits money, he can take out his own property anywhere in this world.

And this is what the 'bank' should do. "

Master Baoshu took a deep breath.

That's it!

This 'Xiantian Yiqi Nanzong' played a big game of chess.

Not to mention, this kind of thing really can't get around any sect, this 'bank' is like a net, binding the sects all over the world together through interests.

If you don't participate, it means that your sect cannot provide exchange services, and practitioners will naturally gather subconsciously to other sects that can connect the world.

Moreover, this is a matter that is beneficial to all sects in the world, and she can't imagine any sect not being tempted.

Feng Zhaohai asked under Tuo Haidaojun's instruction.

"Master Wushuang, the establishment of a 'bank' is a good thing that benefits practitioners all over the world, but how does your sect plan to handle it?"

Xu Qingzhi smiled faintly.

"Our sect is only a ninth-rank sect, and we are not yet qualified to do this.

Our suggestion is that if we only set up a 'bank' in the Eastern Region, then we should invite the twelve top-ranking sects in the Eastern Region to organize other sects to handle the matter.

If 'banks' are to be established in all regions of the Azure World, then all sects from all over the world need to participate in it. "

Xu Qingzhi's words surprised everyone present.

They thought that Xu Qingzhi took the initiative to discuss the establishment of the 'bank' because he wanted to organize and plan this matter, but they didn't want him to hand over the right to host this matter after he proposed the idea.

At the same time, I also have a deeper understanding of the 'Congenital Qi Nanzong'.

All of a sudden, everyone discussed in low voices how to undertake the matter of the 'bank'.

After careful calculation, everyone suddenly found a problem.

Xu Qingzhi only mentioned the idea and mechanism of the 'bank', but this is just a program, but he didn't mention a single word about how it will be implemented.

For example, how to ensure the authenticity and security of tickets and so on.

Obviously, these most important details are the means by which the 'Xiantian Yiqi Nanzong' wants to seek benefits in the construction of the 'Qianzhuang'.

Mao Yuan thought for a while, and suddenly asked two questions.

"Master Wushuang, do you still have some questions about the 'Qian Zhuang'?"

Xu Qingzhi turned his attention to Mao Yuan, who left a deep impression on him today, the True Lord of the Primordial Spirit from the Southern Territory.

"Fellow Taoist Mao, please tell me!"

Mao Yuan pondered for a moment and said:
"The establishment of a 'bank' is indeed a good thing, but if a high-level practitioner uses Taoism to control a low-level practitioner to make them borrow talisman money and kill them, then the loss will be borne by the 'bank'?
Also, if someone makes a fake, or hides and disappears after dismantling and borrowing talisman money in multiple 'banks', how to solve it?

Well, for example, if a practitioner borrowed talisman money, but died while traveling, what should I do?
The practice world has always been full of crises.

In addition, how to ensure the safety of practitioners who deposit money, can someone obtain property from the 'bank' after obtaining other people's deposit notes? "

Mao Yuan asked a series of questions.

These questions are different from the previous big-picture questions, and these are specific matters related to each practitioner.

All the Yuanshen Zhenjun in the building were attracted by the questions raised by Mao Yuan, and they all turned their attention to Xu Qingzhi.

Xu Qingzhi couldn't help turning his eyes to Mao Yuan, and couldn't help but look at him with admiration.

"Some specific matters need to be discussed by the sects before they can be decided.

However, in some cases, we have also considered it.

First, each monk who saves money will establish a unique account, and each bill issued is unique, and will be linked through a special association circle, which can basically prevent the problem of one person borrowing from multiple places.

Second, the depositor sets a rune password that only he knows, and only he can withdraw money, but he can designate relatives or friends to inherit after his death.

Third, the bills will be refined with special rune paper and secret methods to ensure that they will not be easily damaged and reliable.

The matching ratio will be kept strictly confidential, which can be decided by each sect after discussion.

Fourth, safety is the most important thing. All "banks" will set up separate teleportation formations, and depositors can leave quietly through the teleportation formations after depositing money.

At the same time, within a certain range of the establishment of the 'Qianzhuang', it was set as a place where fighting was strictly prohibited. With the endorsement of the world's sects, presumably not many people would have the guts to intentionally cause trouble here.

Fifth, corresponding expulsion circles can be set up in the 'bank' to ensure the absolute sanity of the depositors.

If it is threatened and coerced, the 'Qian Zhuang' is obliged to deal with the corresponding matters, but it needs to charge a certain fee.

Sixth, every practitioner who comes to the 'Qian Zhuang' to borrow money, if he does not have the endorsement of the sect, then he needs to use items with a corresponding premium as collateral.

In this way, even if it falls in the middle, the mortgaged items can offset the risk of the 'bank'.

For example, the mortgager can set a time limit, and once the set time limit is exceeded, it will not be repaid.

The 'Qian Zhuang' has the right to conduct a public auction of the mortgaged items, so as to fill the risk that the 'Qian Zhuang' has not closed the loan.

There are still many handling rules like this, and the establishment of new things will always encounter many unexpected problems.

But these are just trivial matters, which need to be perfected step by step, so I won't describe them one by one here. "

Through Xu Qingzhi's explanation, many Yuanshen Zhenjun understood one thing.

The concept of "Qianzhuang" is probably not a sudden idea of ​​"Nanzong of Xiantian Yiqi".

It was only thrown out when the time was ripe. It seems that even if the "Qianzhuang" is established, the key decision-makers will have a place for "Innate Qi Nanzong".

Feng Zhaohai was instructed by Taoist Lord Tuokai, and suddenly said:

"Master Wushuang just said that it is possible to prevent the same practitioner from borrowing property in multiple regions. I wonder what the method is?"

This question is very critical.

If the 'Xiantian Qi Nanzong' can communicate information from different regions, it means that its sect has mastered at least one secret method of long-distance communication.

For a sect, this represents a strategic level.

Xu Qingzhi looked at Feng Zhaohai and smiled brightly.

"This is the second thing that needs to be discussed when we invite everyone here today.

Next, I will introduce to fellow Taoists a special communication instrument that our sect has just developed. "

After a pause, Xu Qingzhi continued:
"Omniscient!"

　Thank you for the reward 20220629084154354

　　
　
(End of this chapter)