Urban Sims

Chapter 216

What's the next step?
This is the question that Zhou Ming began to think about after he had a starting capital that he could use safely.

There are many paths to choose from, plus the accumulation of the previous game, no matter which path you take, you don't have to worry about falling into a big fight.

The question is which path to take is the fastest, has the highest probability of success, and is the least risky.

Continue to engage in catering and conquer the world with food?
Shaking his head, it was too slow, without five or ten years of accumulation, it is impossible to see results quickly, and it is very tiring.

Go directly into medical care, research and develop life-extending medical technology, and earn money in the hands of middle and high-income groups?

It has not yet come to that time, and entering medical treatment requires a huge amount of money investment and technology accumulation, and the money in Zhou Ming's hand is not enough.

Why don't you go into politics and buy a mayor's position to play around?

This will not work for the time being, the position of mayor is not something that you can take casually if you have money in your hand, otherwise it will not be messed up. Can you imagine this kind of thing?

Therefore, there are two conditions for purchasing the position of mayor. One is to be over 30 years old; the other is to have more than 10 years of work experience in public office.

Yes, money = omnipotent in this world, but that doesn't mean there are no rules.

It can even be said that money and rules jointly build this world.

There is no need to consider the above roads for the time being.

And based on the experience of exchanging money for more than half a year, as well as the knowledge gained in the world of money messengers after following the big wave of money, plus the starting capital of more than 5 money and 50 billion credits, Zhou Ming thought that a larger plan.

The name is: money begets money.

He wants to be a money messenger just like Qian Dalang.

No, his dream is even bigger!
He wants to be a money master, control the exchange and circulation of all money and credit points, and become a "money hand" that everyone can't live without.

He has many advantages, such as the information advantage of knowing himself and the enemy, complex and advanced financial knowledge, and most importantly: he has a large amount of starting capital in his hand.

So Zhou Ming set a small goal for himself: to establish an "Integrity Bank", gain a firm foothold within one year, take off within three years, and control the two-way exchange business of money and credit points in the entire Yaoxing City within five years.

After he told Qian Dalang about this "small goal" and some of his ideas, even though as a slave controlled by the slave potion, he could not do anything against his master's will, he could not even say anything to protest against, Qian Dalang still violently shook his head and said:

"No, this plan cannot possibly work, but it will cost me everything!"

Qian Dalang expressed several of his points of view:

One, there are hundreds of similar Honest Banks underground in Yaoxing City, but none of them grow bigger, and dozens of them close down every year.

Second, Zhou Ming's proposal of "paying interest on deposits and making profits on loans" will indeed attract some customer deposits, but the loan business will [-]% lose money.

1. Only 1% of the handling fee is charged for each transaction. Larger transactions are more favorable, and old members are also discounted... Such a low profit rate is only 5/1 to 10/[-] of the industry's average profit, making no money at all .

Fourth, after receiving the order, under the premise of ensuring that the customer is satisfied with the exchange ratio, complete the exchange of money to credit points within 3 days, and complete the exchange of credit points to money within 7 days... In terms of time, it is impossible to do it.

Fifth, although the time and cost to establish your own money transaction website is not much, it is impossible to attract more than one million users in a short period of time, because there are so many similar websites.

Sixth, these regulations are convenient for customers, but they will become the public enemy and sworn enemy of the entire industry!
[-]. After the loan is released, if you want to get it back, you will encounter various resistances, because the law does not protect the interests of loan sharks...

Eight,……

In short, as a senior money envoy, Qian Dalang uttered more than a dozen opinions that denied the young boss's whims in one breath.

"Really? If you don't try it, how do you know if it will work?"

Zhou Ming smiled slightly, and glanced at the automatically rocking cradle bed in the living room. In fact, he was already full of confidence in his heart.

Because of the schemes and ideas he conceived, except for a small part of his own original inspiration, most of the other methods almost completely copied the money-making methods adopted by the future genius money messenger-Qian Duoduo.

That is, "1% handling fee system", "3 days for credit points, 7 days for money", "providing loans to customers", etc., just these three tricks have allowed Qianduo to earn tens of thousands in 50 years money.

This is what he achieved when he fought alone and did not open an honest bank.

The core secret of his success is actually four words:

Advance consumption
That's right, any customer who has money in his hand, of course, hopes to sell the precious money at the highest price when he is in urgent need of credit points.

Similarly, customers who have extra credit points in their hands naturally hope that when they are looking for channels to buy money, they can exchange it back for a coin with a smaller amount.

However, in a market where the market fluctuates greatly and the exchange rate is not fixed, it is obviously impossible to meet the needs of both parties at the same time.

And money is a scarce wealth, a just-needed item, and its potential value is far higher than credit points. Therefore, among the customer groups received by Zhou Mingkai's honest bank, customers who sell money are far more important than customers who buy money.

In order to meet the needs of these customers, Zhou Ming plans to recruit two programmers, build a money trading website, introduce an auction mechanism, and let each coin go through a round of fierce bidding during the process of selling it. Only the highest bidder can win the money. pieces of money.

This is very unfavorable to those customers who are looking for money, because if he prepares 50 credits and wants to buy another coin, but is bought at a high price of 60 credits, if it is according to the usual practice, he You can only wait for the next auction opportunity, or find other ways to buy the coin at the right price.

The question is who doesn't want to sell the money in their hands at a reasonable high price?And the customer who is in urgent need of "money" wants to buy a coin at just the right price, either to try his luck during the long wait, or save the 50 credits in his hand to 60.

Now, Zhou Ming considers these buyer customers carefully and launched a "loan service", loaning him 10 credits, asking him to buy the money first, and then slowly repay the loan in three, five, or ten years. Of course, A certain amount of interest is charged, and the longer the repayment period, the higher the interest.

In this way, the needs of customers on both sides have been met, and Zhou Ming's honest bank has also obtained a certain amount of income from it.

The side effect is that the exchange price of money will inevitably rise, or rise sharply.

The principle is the same as Zhou Ming’s rising housing prices in the world. Money is a just-needed product similar to "commercial housing" (this analogy may not be appropriate, because the number of houses is constantly increasing, and money may not necessarily be the culprit of boosting housing prices) , of course it is a bank.

As a result, housing prices soared so high that ordinary people couldn't afford it. Was the bank at fault?Part of it is wrong, of course, but how could it have gone up so high if people didn't want to buy a house?
……

So, in the next few months, Zhou Ming first recruited two programmers, named Zhang Jianlin and Lin Sicong. After telling them his idea, it only took two weeks for them to successfully build a "money life network" with a slightly crude interface but fully usable.

With the website, on a relatively prosperous street on the third ring road in the east of the city, a currency exchange agency with the brand of "Xunjie Chengxin Electric Company" recruited three employees and quietly opened for business, because it belongs to It is too legal an underground bank, so it is closed during the day and open at night.

At the beginning, the business of Qianzhuang was not very good. It can be said that it was extremely deserted. The number of visits and user registrations of Moneylife.com also grew slowly at single-digit numbers every day, which made people anxious.

Until Zhou Ming spent 3 million credit points at one time, and asked the advertising company to give him a month of brainwashing ads similar to virus spread and bombardment, because of the sentence "100 days, your money can Sell ​​7 million credits; within 30 days, 50 credits, you can buy the money you urgently need", the ad slogan poured into the registered account of Qianqianlife.com in a short period of time, and quickly exceeded [-].

50 users met Zhou Ming's basic requirements. After that, he auctioned off 1 coin every half hour, and sold nearly 1500 coins within a month, with an average transaction price of 88.63 credits ( The price is so low, mainly because it was picked up by some people when there were few registered accounts in the early stage).

Seeing that the average transaction price is so high, and the intermediary fees charged are so low, it feels unreal. Some customers who are eager to sell their money actively call the customer service number of Xunjie Chengxin Electric Company (Xunjie Qianzhuang). After asking many times, and confirming that the preferential terms that most excited their hearts were true, they rushed to Yaoxing City within a few days and handed over the money in their hands to Xunjie Bank for auction on their behalf.

As a result, the consumption rate of money in Zhou Ming's hands finally began to drop. In the later stage, even if he didn't take out his own money, but only put the money of customers in the auction on the website, he could retain most of the website users.

In addition, due to the booming popularity of the website and the soaring word-of-mouth, the business of Quick Bank has finally improved.

Especially when I learned that Xunjie Bank has launched a loan service, you can use the credit points you have borrowed to purchase the money you need in the form of property mortgage and installment payment. , as the last straw that can be grasped.

The first customer who applied for a loan was a 101-year-old lady. She borrowed more than 600 million credit points with her real estate as collateral, bought 6 coins, and finally saved enough for mid-term life extension. Money, went to the cheapest hospital, and completed 30 years of life-extending treatment.

The second client who applied for a loan was an unemployed young man. He had no extra money, but he was interested in a job that could be purchased with only 7 credit points. He hoped that Quick Bank could help He, after he officially goes to work, will return part of his monthly salary to Quick Bank... Zhou Ming approved the loan.

No.20 Eight customers who applied for loans, Zhou Ming actually knew each other, they were old acquaintances. It was his wife Gu Naihui from the previous life and his younger brother Gu Naifeng. Gu Naihui successfully solved the crisis of the restaurant and bought an intelligent kitchen robot, but The younger brother's tuition fee has not been settled yet, and the 5 money cannot be borrowed no matter what.

Seeing that the school season is coming, if the tuition fee cannot be raised, Gu Naifeng's ten years of hard study will be in vain.

"With 5 coins, more than 500 million credit points are required? Do you need real estate and other real estate as collateral?"

Gu Naihui shook her head, too much, too much!The hotel's annual profit is only about two million yuan, and one year's tuition fees will cost the hotel's two-year profit.

The younger brother's university has to study for five years.

Doesn't it mean that the Gu's restaurant has not earned a penny in ten years?

Forget it, no more loans!

Just as he was about to drag his frustrated younger brother away, a voice came from behind: "I can help you with the tuition fee problem, and I don't want you to use the hotel as a mortgage, as long as you promise me one condition."

"What conditions?"

Gu Naifeng looked surprised, turned his head, looked at the 30-year-old bearded man and said.

"After graduating from university, go to my research institute and do research for a lifetime... Don't worry, your salary will still be paid to you." Zhou Ming clasped his hands.

"Okay! I promise you!"

Gu Naifeng nodded in agreement without thinking.

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(End of this chapter)