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Chapter 271 The wealthy gentry and the poor?I want it all!
But these details, Xu Changsheng is not easy to explain to Miss Xiaoyou.

He could only laugh and said: "It's not low, it's really not low, anyway, we only need to keep a part of the bank user's money, right?"

"But in this way, your previous idea of ​​embezzling the savings to build the Zixiao Immortal Shop will be stranded?"

"Do not."

Xu Changsheng shook his head.

"Actually, when the loan business is launched, our bank deposit business will also undergo a reform."

"What reform?"

"Open fixed deposit!"

"What is a fixed deposit?"

Xu Changsheng shook his head: "The so-called time deposit means that when users deposit money into our digital bank, they can choose a period, such as ten years, one hundred years, or ten thousand years."

"During this period, unless there are special circumstances, this fixed deposit cannot be used."

"At the same time, we will give fixed deposit interest!"

"Give them interest?"

Miss Xiaoyou was startled: "Isn't this equivalent to giving them money?"

"You can think so."

Xu Changsheng continued to explain: "For example, for ten years, we will give them an interest of [-]% per year."

"One hundred years, four percent per year."

"Ten thousand years, 5.00% per year!"

"so tall?!"

Sister Xiaoyou was even more shocked: "Won't you lose money?"

"will not."

"Because we will lend money~"

Xu Changsheng gritted his teeth: "The daily interest is five ten-thousandths, and the interest starts to be calculated on the first day of the loan, and the annual interest is only [-]% for the deposit for at least ten or even a hundred years. No matter how you calculate it, we make more money." ?”

"Moreover, if users want to use the time deposit in advance, even if they only use a piece of Lingshi, the interest they have accumulated before will be gone, which is equivalent to voluntarily giving up all the interest."

"Then, what if there aren't enough borrowers?"

"There are interest rates for saving money, so there are bound to be many people who are willing to save money, but there may not be many users who take out loans."

"There will be."

"And not less."

Xu Changsheng was not worried about whether anyone was willing to take out a loan.

Or it can be said that there is no worry.

On the other side of the earth, how many companies do not take loans?Even if they are not short of money, even if their capital chain is sufficient, they still take out loans, and are even keen on taking out loans, and they never tire of it~

why?
Naturally there is a trick!

Engaging in loan business in Immortal World by myself may not be very popular at first, and there may even be some resistance.

But when they sang the sweetness~
Hey.

Don't be afraid they won't lend!

"Take a step back, even if there are not many people who borrow money, we will be unable to make ends meet if we pay interest, but we can also use this part of the money to build Zixiao Xianpu, or make investments ourselves, can't we?"

Miss Xiaoyou pondered slightly.

She knew that her understanding and talent in 'business' was completely inferior to Xu Changsheng.

But she still didn't understand.

"What is the reason for paying interest on deposits?"

"Even if you don't give deposits, you can still lend money, right?"

"Two reasons."

Xu Changsheng raised two fingers: "One is to attract deposits, so that more people are willing to deposit money in the bank, or even deposit most of their net worth, and start depositing for ten or even a hundred years."

"In this way, we can ensure that our bank has sufficient funds. Even if a large number of 'enterprises' come to borrow money, we can all come!"

"These two..."

"Hey."

"Of course to make users 'shut up.'"

"Using users' money to lend, if they don't give them a little bit of sweetness, they will naturally not be happy. It's normal to have criticisms and even objections, but if there are benefits in it, they can also get benefits~"

"Thinking about it, the vast majority of people will not resist, and are even happy to see it happen."

"Because many monks, in fact, there is no shortage of money for a while."

"For example, part of the money was collected, but the realm is not enough, so I want to wait until the breakthrough to buy better magic weapons and elixirs."

"Or some elders have saved some money for their juniors, just waiting for their juniors to enter the house."

"In short, a variety of reasons are possible."

"This type of people don't know how to do business, and they don't know how to invest."

"On weekdays, I can only hide the money by myself."

"But hiding is hiding, but if it is deposited in the bank, it can earn interest. You don't have to do anything. The real money makes money, and they are naturally willing to deposit it. As for whether we will loan the money out, we will have a relationship with them." Not directly related."

"As long as we pay the interest as agreed, and when they withdraw the money, we can get the money out."

Xu Changsheng is not a banker.

If you want him to say some high-level truths, or say something about various details, he can't say it.

But he has a little understanding of human nature.

Fairy?

Most immortals are also human.

People are human beings.

"So that's how it is." Xiaoyou seemed to understand, "I really don't understand, how did you think of all this?"

"Totally different thoughts and ideas are incredible."

She wasn't sure if Xu Changsheng's ideas and methods would be successful, but at least, she reckoned, there was a possibility of success.

"That's it."

"Maybe I just love to think about it?"

Xu Changsheng shrugged.

"I'll trouble you later to 'activate' them."

Miss Xiaoyou immediately gave this guy a blank stare: "I don't know you yet? What activation? It's just a formality, that is, before they send the fairy world, they won't be allowed to access it, right?"

"Those who know me, Miss Yuu~"

"I found that you are really kind to those little monks."

"But for other holy places, especially Qiankun Holy Land and Daoyi, my heart is really dark!"

"And it's completely different from the 'style' of other big powers in the fairy world. Those big powers all want to join forces to earn money from the ants, and even return all the money from the big powers, and the money from the ants will be split."

"Too dark!"

"But when I come to you, it seems like robbing the rich and giving to the poor?"

"Where, where?"

Xu Changsheng waved his hands again and again, and said, "Sister Xiaoyou, how can you say anything about me? How can I be called a black heart?"

"At most, I have two more holes in my heart than others."

"Two more holes? What holes?"

"Two minds."

"···"

"As expected of you!"

"As for robbing the rich and helping the poor, you can't talk nonsense. When did I rob the rich?"

"In the end, I've always been very specific."

"Exclusive?"

Xu Changsheng looked up at the roof at a 45-degree angle, and said quietly, "That's right."

"From the beginning to the end, I was very specific, but it was..."

This guy raised his right hand and clenched his fist: "I want it all!"

Although some people say that you have to be overwhelmed, but I am not a beauty pick ~ how could I be overwhelmed?To make money, of course, the more you earn, the better. The more you earn, the stronger your own strength will be.

What else is there to choose, of course they want all of them.

"Forehead."

Miss You was speechless for a moment.

After a long time, he said: "Sure enough, he is very dedicated."

Afterwards, Miss You disappeared.

Xu Changsheng immediately contacted Zhao Wuji and asked him to arrange for someone to wait for someone from the Holy Land of the Universe to pick up the goods.

As for showing embarrassment to others, or embarrassing them, Xu Changsheng didn't think about it at all.

What's the delay in making money?
Moreover, if people spend money so freely, they should naturally be more straightforward on their own side.

Procrastinating for more interest?
The layout is too small!

Money must flow as soon as possible in order to play its due role and effect!

······
Qiankun Holy Land.

After Daoyi hung up the video call, he was depressed for half an hour before he slapped the table suddenly, and then sent the Fifth Elder through voice transmission: "Fifth Elder, after careful consideration, I have decided..."

After all, the Fifth Elder is the Elder of Artifact Refining, and it will take the Fifth Elder's efforts to bring back the materials and refine them into immortal machines.

It's just right for him to go and get the materials back.

However, after listening to Dao Yi's explanation, the fifth elder's mouth twitched.

"Holy Lord."

"We seem to be at a loss."

Daoyi: "..."

I don't know if it's a loss or not?
special!
Seeing that I am so depressed, you still want to stab me?
Outrageous!

He waved his hand and said expressionlessly: "Whether it is a loss or not, I can't tell right now. But I think that the crime lies in the present, and the benefit lies in the future."

"Okay, let's go to work."

"Connect with Zixiao Holy Land as soon as possible, get the materials back, and then refine all of them into fairy machines in the shortest possible time, and then send them to Zixiao Holy Land for activation. What I want is the fastest!"

"For this reason, I will give you the authority to mobilize the authority of the powerful beings in non-retreat and non-emergency situations in our Qiankun Holy Land."

"Yes, Holy Master."

Although Fifth Commoner had a lot of dissatisfaction with Dao Yi, he would not be ambiguous about such a major matter related to the Holy Land of the Universe.

Dissatisfaction is personal.

Loyalty is for the entire Qiankun Holy Land.

Soon, Fifth Commoner set off in person.

After all, he is a quasi-sage and powerful, and he is faster.

Daoyi was not idle here either.

Immediately began to contact the elders of the internal affairs: "Spread the news, all the disciples of my Qiankun Holy Land, wait for a few days, and after receiving the notification, you can receive a fairy machine for free."

"All the monks under my Qiankun Holy Land can also spend ten top-quality spirit stones to buy immortal machines at the corresponding location after receiving the notice."

"One per person!"

"Until all monks have a fairy machine."

The elder of the housekeeping was dumbfounded.

"This?"

"Holy Master, where did you get so many fairy machines?"

Everyone knows that the production capacity of Zixiao Holy Land is limited, and the monks affiliated to Qiankun Holy Land are more than [-] billion, [-] billion immortals!Where did you get it?He was really curious.

But Dao Yi was depressed.

Fuck, where did I get that?
Do I have to explain it to you, and then make you laugh at me again, it seems like a bad thing to say?
"Don't worry about it, I have my own way."

"Do something!"

"···"

"Yes, Holy Master."

Daoyi is the Holy Master after all.

Although the previous few decision-making mistakes caused some of the senior officials of Qiankun Holy Land to be dissatisfied with him, but as long as he is in this position for a day, the elders have to obey his orders.

soon.

The elder of the Household Affairs issued the message.

Although they don't have magic tricks on the surface, they still have some ancient means of communication.

Sound transmission jade charms, every monk has a bunch~!
If it really doesn't work, it's a big deal to go and send the letter in person.

Soon, the message was delivered.

Up and down the Qiankun Holy Land, all monks and immortal families have received the news.

For a moment, they were extremely excited.

"good news!"

"Wonderful news!"

"We can finally use the fairy machine."

"Lord Holy Master, please forgive me!"

"I'm not afraid of your jokes. In fact, I've wanted to buy a fairy machine for a long time. However, the Holy Land has always banned it, and we are not allowed to use it, cough cough."

"I almost secretly bought it and used it."

"Me too."

"Anyway, we can buy it, and everyone can buy it, without waiting in line? That's fantastic!"

"I really envy the disciples of the Holy Land, they can receive it for free, we affiliated forces, hey..."

"It's good to buy something!"

"···"

······
All the disciples in the Qiankun Holy Land were very excited. Since it was not a confidential message, the users of the Immortal Machine soon found out about it, so a brand new storm of public opinion began in the Immortal World circle.

"Everyone knows about the Qiankun Holy Land, right?"

"The Holy Land of Qiankun has obtained hundreds of billions of immortal machines from somewhere, and will soon ensure that each of their disciples of the Holy Land of Qiankun and affiliated forces has one!"

"Holy Land disciples can also receive it for free, envy! Real name system envy!"

"I'm so envious!"

"But having said that, why didn't they buy immortal machines before?"

"Upstairs, do you really not know or are you pretending?"

"What are you pretending to be? I really don't know. Could it be that they don't like fairy machines, or think fairy machines are useless?"

"You really don't know? Then I'm going to talk about it. Before, Qiankun Holy Land explicitly prohibited its disciples and elders from buying and using immortal machines. As for the reason, hehehe, this is a long story~

······"

"Hiss! What?! The Qiankun Holy Land plagiarized before???"

"Being beaten up by Zixiao Holy Land, and finally had to resell it at a low price?"

"Isn't this a loss of face?!"

"Good guy, there is such a thing! It's an eye-opener!!!"

"..."

A large number of little monks were excited.

They didn't have a magic trick before, and the news was not well-informed. After that, Qiankun Holy Land deliberately avoided this matter, so many new users didn't know about it.

But now, everyone knows it directly.

I don't even want to click on the circle of fairyland if I give Dao a whole thing directly.

unlucky!

What the hell, it's so unlucky!

It can piss me off!
Moreover, it's not just these little monks.

Even Ke Deping, the sage of yin and yang, was very surprised, and even made a public statement: "Huh? What did you do in Daoyi? Didn't you explicitly prohibit your disciples from buying and using fairy machines?"

"Didn't you develop the magic machine yourself?

How can this be contradictory?

@帝坤圣主, president of the Chamber of Commerce, director of the Patent Office-Dao Yi. "

Daoyi: "..."

Hey!
I don't even click on the fairy circle, you fucking want to @我?
Outrageous!

Ke Deping, you bastard, you are a great onmyoji when you speak, and I am so mad at you.

Daoyi was almost so angry that his mouth crooked and his eyes slanted.

However, he had already expected this. Before looking for Xu Changsheng, he had thought that this might happen. Therefore, although he was crazy in private, he behaved very decently in the circle of the fairy world.

"Admitting that others are good is not as difficult as you think.

I have to admit that Holy Master Xu's immortal machine has surpassed our magical machine so far.

Under such circumstances, my disciples of Qiankun Holy Land are naturally qualified to choose better products. At the same time, our Qiankun Holy Land has the responsibility and obligation to allow our own disciples to use better products.

Compared with this, what is my personal honor and disgrace? "

Dao Yi's reply was not only decent, but also very generous.

When the users saw it, whether they knew him or not, their favorability immediately increased a lot.

For the sake of his disciples, he would rather give up his face!
There are many users who like it!
In this way, Ke Deping was set on the fire instead.

Ok.

Are you mocking me?I am ashamed?

Yes, I was ashamed, I turned my back on my promise, and I was slapped in the face.

What about Kona?
In order for my disciples to come, in order for them to use the fairy machine, I would rather be slapped in the face.

But~

How about you?what about you? !
There are no relevant bans in your other holy places, and you will not be slapped in the face by Xu Changsheng, but how many of your disciples haven't bought the fairy machine yet?What's more, those peripheral disciples?
Moreover, you disciples of the Holy Land, did you spend money on the fairy machine? ? ?

Never mention 'you'.

But every sentence is "you".

Seeing Daoyi's reply, Ke Deping was stunned.

"This Dao Yi, is there an expert behind the scenes? This move uses retreat as an advance. It's amazing!"

Seeing Daoyi's reply, the Holy Mother of Yaochi stopped playing the game and frowned slightly: "Now, instead, our other holy places are being roasted on the fire."

"If it is not handled properly, it will affect the image instead."

Luoshen is more direct.

Cursed: "This Daoyi is really not a good thing."

"I am ashamed, but I still want to pull everyone down."

"What should I do now?"

The Holy Mother of Yaochi shook her head slowly, and said in a deep voice: "Now, the only way is to follow up."

Heavenly Sword Pavilion.

Chang Xiangsi rolled her eyes.

Buddhist holy land.

When Wugou got excited, the Buddhist beads in his hand burst.

"Special!"

"Grandson Daoyi is going to bring down all our holy places!"

"Not a son of man!"

The Holy Land needs face.

And in childhood education, it was basically: the face of the Holy Land is above everything else.

just now.

Dao Yi from the Holy Land of Qiankun performed so 'brightly', if he didn't respond, it would be a failure.

Afterwards, when my own disciples met the disciples of Qiankun Holy Land, they couldn't hold their heads up.

This matter must be dealt with!

Processing costs money.

And there is...
How did he get so many magic tricks? !
······
"I can only ask him in person?!"

Ke Deping laughed angrily.

wipe!
I wanted to make fun of it, but ended up being the general instead, which made me feel uncomfortable.

What's even more uncomfortable is that I have to "explain" publicly, otherwise I will become a villain who makes trouble.

Did you say it was uncomfortable or not? !

Reluctantly, after thinking for a while, he publicly replied: "Don't get me wrong, actually, I just want to ask you, how did you get so many fairy machines now that they are so in short supply?

I also want to make a whole batch for my disciples, but Zixiao Xianpu is out of stock. "

(End of this chapter)