Urban Sims

Chapter 224 Entering Medical Care
The existence of the balancer made Zhou Ming very vigilant, and quickly took some measures to deal with it in advance.

The first is to cancel the plan to open the branch bank of Xunjie Bank in every city, and stop the strategic expansion.

Secondly, tighten the loan business, increase the loan threshold, limit the amount of a single loan, which shall not exceed 50 credit points, and the repayment period shall not exceed 3 years.

The last thing is to collect working capital, and let Xunjie Qianzhuang launch some wealth management products with "three-year deposits, 3% annual interest" and "five-year deposits, 3.5% annual interest". These products are characterized by higher interest rates, but Once the deposit is made, it cannot be withdrawn in the middle, otherwise not only will there be no interest, but also a 2% default fee will be deducted.

Sure enough, in less than a month, the cities in District 52, the legal system of the urban management system, and the "Anti-Usury Law" suddenly added a new legal provision, which made countless borrowers cheer:

Any form of loan, regardless of whether there is interest or not, regardless of whether it is an individual or an institution, if it is issued more than three times, it is illegal, and the loaner does not need to repay
The meaning of this legal provision can be understood in one sentence: if there are more than three loans, the customer does not have to repay.

Legal experts patiently explained on TV, while the Internet was full of excitement.

"So, I don't have to pay back the 20 credits I borrowed from Quick Bank?"

"Hahahaha, my house and suspension car are safe! Swift Bank can't do anything to me!"

"If I knew this earlier, I should have borrowed more. I only borrowed 30. I'm at a loss!"

"Not good! Quick Bank has lost so much, so I can only withdraw part of it from the deposit to make up for the loss. I have to quickly withdraw all the money I have in it!"

"Those who have saved money in the Quick Bank, hurry up and withdraw the money! People queuing up will crowd the windows, and if you go late, you will have no money to withdraw!"

"It is said that Quick Bank has lost more than 3 trillion yuan in loans. Quick Bank is doomed. If you don't withdraw money, there will be nothing left!"

In various cities, rumors spread and panic spread. Facing a huge wave of runs, even Qian Dalang, the manager of the bank, reassured the users, but could not stop this run, which became more and more serious.

Only one week has passed, the number of depositors in the bank has lost 96%, and the amount of savings has lost 99%.

But what shocked the schadenfreudes was that the depositors and savings had been lost to such an extent that the Quick Bank was still operating normally, and the employees of the bank were very calm.

Two weeks after the bank run crisis passed, when Xunjie Bank opened the bank's vault and showed the full 100 million coins (of course, only 20% of them were real), everyone was shocked.

"Quick Bank, how rich is it?"

"Damn, who the hell said that the Quick Bank is about to collapse, I'll beat him to death!"

"My five-year wealth management product! I saved it well, but after hearing what those people said, I took it all out and lost more than 5000!"

"99% of the people in this world can be classified as idiots, so I didn't take out the money, and tomorrow I will deposit [-] in it."

"I'm going back to save money, I want to buy financial products for five years!"

"In the future, my credit points will not be stored anywhere except the Swift Bank!"

The run was over, and Quick Bank not only survived the crisis, but also established an extremely strong reputation in the hearts of depositors. After the crisis, more depositors came to deposit than before.

A blessing in disguise!

In fact, Zhou Ming had made adequate preparations long before the release of new legal regulations in the Anti-Usury Law and the run on incident.

One is to sell a large number of various assets under the Quick Bank and turn them into working capital, even at the expense of a sharp price cut.

Second, 10 pieces of money were auctioned on the money life website, which was exchanged for more than 800 billion credit points, injecting a large wave of blood.

The third is that in addition to the 2000 billion credit points earned in the catering industry in the past few years, it finally blocked the huge bleeding hole that was cut from Xunjie Bank in the loan business.

Yes, Zhou Ming made statistics, and it was just a legal order that caused his Quick Bank to lose more than 3 billion yuan, although it was not as exaggerated as the "3000 trillion yuan" rumored on the Internet.

3000 billion credit points, if converted into money at a conversion ratio of 100 million: 1, it would be a full 30 pieces!

lost heavily!

This almost made his five years of accumulation all in vain.

Fortunately, the century-old accumulation in the catering field in the previous life saved everything for him.

Because five years ago, he invested 3000 yuan to acquire a smart kitchen robot manufacturing company that was on the verge of bankruptcy, and then founded a condiment company. Combined, the "God of Cookery Type 80" kitchen robot produced, coupled with his God of Cooking cooking skills bonus, was introduced to the market. In just half a year, the God of Cookery Type 1 kitchen robot occupied more than 1% of the kitchen robot market , And triggered a "God of Cookery Storm".

Then Zhou Ming entered the catering industry, invested in the construction of hundreds of family restaurants, and promoted new seasonings in the condiment market... In the catering field, Zhou Ming has made more money in a more relaxed way in this life (mainly credits).

After the bank survived the crisis, Zhou Ming did not cut off all the loan business, but kept only the "money loan".

Because money is always a precious and scarce commodity in this world, there will always be people who do not have enough credit points and need to borrow money or loans to buy money, and Xunjie Bank will still provide loan services for these customers, but the condition is: the loan is not Before paying off, the money purchased by the customer will be kept in the fast bank, and the customer is not allowed to take it out.

This means that even if the customer wants to renege on the contract, he can't do nothing and play some smug tricks.

As for Xunjie Bank, there is no loss. The money and credits are all in their own hands. What tricks can customers play?
Of course, by doing so, the profit margin of Quick Bank will be greatly reduced, only one-tenth of what it was before.

Coupled with the money earned from the catering industry, and the money earned from money auction fees from Money Life.com, the annual net profit of 600 billion credits, after deducting the money lying in the fast bank, is a full 2 ​​trillion credits Zhou Ming can't even guarantee the annual interest expenses incurred by depositors' deposits, whether all the asset groups under him can maintain a profit and loss balance.

It would be a fool's act not to accept deposits from depositors... So Zhou Ming thought of a clever way to solve this problem with [-]% certainty:

Go all out for medical treatment!

"Speed ​​Bank, plus Life Extension Medical, I will not only shut down all the other hospitals in Area 52, but also make all the money!"

……

Five months later.

With an investment of more than 30 yuan and more than 1000 billion credit points, Shengsheng Medical Company was officially established.

Located in the center of the city, this "vitality building" stands directly opposite the Oriental Hospital. Not only is it not weak in the slightest, but it is even more majestic!

Because the height of the Vitality Building is one floor higher than that of Dongfang Hospital, a full 100 floors!
Advanced medical equipment, buy!
Famous and talented medical talents, offer high salaries, dig!
Fresh medical graduates, recruit!Lots of moves!

In short, Zhou Ming's madness in throwing money over the past few months left everyone dumbfounded and breathless.

Even the Dongfang Hospital opposite the Shengqi Building was stunned, especially when they heard that the boss of the Shengqi Medical Company uttered wild words that they would destroy the Dongfang Hospital within 10 years, the leadership of the Dongfang Hospital collectively froze for a minute, and then broke out The whole room roared with laughter, and the general director Kang Jinkai even mocked: "Break down Dongfang within ten years? Idiots are dreaming! Dongfang Hospital, let's kill you within one year!"

However, when he saw the building on the opposite side, which was deliberately higher than one story, blocking the scenery and sunlight, for some reason, Kang Jinkai felt a creepy illusion in his heart.

……

Inside the Vitality Building.

On the 88th floor, in the corridor.

"Is there enough medical equipment? Is there enough manpower? If you have any difficulties, you can just ask! I just ask: Can you start various medical research programs in the shortest possible time?"

Zhou Ming, who was watching while walking, passed by one laboratory after another and asked several responsible persons next to him.

"Enough is enough, equipment, manpower, and funds are sufficient in all aspects! After the personnel of each project research team are properly arranged, after the team's running-in is completed, within one to two weeks, all research and development plans can be on the right track! "

The chief person in charge walking on the left, a fat middle-aged David Wang nodded and said, he was originally the person in charge of the life extension project of Zhiyuan Hospital, but the hospital was operating poorly and the treatment was not good. Given the 10 times high salary, he jumped the job without hesitation.

The [-]-something-year-old woman on the right, capable in temperament, outstanding in appearance, and holding a document in her hand, is Tang Hong, the marketing department and personnel manager of Vitality Medical. She blinked her beautiful eyes and showed a beautiful face With a charming smile, he said: "Boss, please rest assured. Within a week, I will arrange for you all the departments, tasks, and personnel of Shengqi Medical Company in an orderly manner."

Tang Hong is very confident. She has served as the executive president of a communication company with more than 3 employees for five years. The medical institution where she works now manages 1 people. To her, it is not too difficult. big challenge.

Moreover, the market prospect of the medical industry is ten times higher than that of the communication industry, and Tang Hong, who has a bigger platform to display, has to prove to her father: What a ridiculous decision it is to hand over the communication company to that incompetent brother !Drive her out of the family group, she will make them feel deeply regretful!

In addition, when he learned that the boss of Shengqi Medical Company was also in his 30s and also single, Tang Hong felt strange thoughts when he saw this handsome, confident man.

"Hey, isn't that Xiaofeng?"

Passing by a cancer research laboratory, through the glass wall, Zhou Ming's eyes lit up, and he saw an acquaintance - Gu Naifeng.

He walked in, said hello, and asked a few questions.

"Xiaofeng, what are you researching? Are you used to working here? Are there any difficulties?"

Wearing a white coat, Gu Naifeng was immersed in his work just now, put down the utensils in his hands, and told Zhou Ming with some restraint: He is studying the relationship between the infinite division of cancer cells and life extension. The working environment here is also very good. The school is much better, and I am very satisfied with the remuneration, and the place of work is close to my home...so there is no difficulty.

Zhou Ming nodded, pointed at Gu Naifeng, and said to Wang Dawei, Tang Hong and others beside him: "Xiaofeng, I am very optimistic about him, and I think he has a bright future, so I paid for his five-year university tuition. Qian, you all help to train him, he will definitely be of great use in the future!"

"understand!"

"Boss, we must vigorously cultivate Xiaofeng! We will not let you down."

The people in charge immediately patted their chests and promised that they would cultivate Xiaofeng, but at the same time, they all knew in their hearts: This young man is not an ordinary researcher, but a celebrity in the eyes of the boss, and he must not be offended!

Bathed in these passions, Gu Naifeng, who was mixed with jealousy, jealousy, envy, etc., could only touch his head, feeling that the pressure on his body suddenly became a little heavier.

……

After inspecting the Vitality Building, after returning home, first extract the complete set of medical technical data from the system warehouse space, and then look at the pile of everlasting grass and tens of thousands of elixir that are still lying there. Zhou Ming had a complete plan in mind.

First, within three years, let the vitality medical treatment digest and absorb all the medical technologies accumulated in the previous life.

In another two years, let the research team combine the longevity principles of longevity grass and elixirs to develop more powerful life extension technology.

Five years later, when the research results come out, it will be almost time to drop a nuclear bomb on the medical field of Area 52.

Therefore, it is not Zhou Ming's bragging to say that Dongfang Hospital will be defeated within ten years.

(End of this chapter)