Douluo's opening strategy Bibi Dong

"The power of Wuhun Temple is spread across the entire continent, and there are a large number of branches at all levels. Even places like Notting City have the lowest Wuhun Branch, so there is no need to waste manpower and material resources to build a large number of money banks.

Moreover, the original institutions and personnel of Wuhun Palace can be used for management, which can reduce a large part of the expenses. Moreover, the feasibility of these personnel is relatively high, and they can be implemented with confidence. This is one of the advantages. "

"Secondly, Xiaoxue is right. For a money bank, reputation is extremely important. This largely determines whether customers are willing to deposit money into the money bank.

As for credibility, it is guaranteed by Wuhun Palace. I think there should be no problem with credibility. After all, Wuhun Palace is responsible for the registration of soul masters in the entire continent, whether they are civilians, soul masters or those rich nobles. The credibility of Wuhun Palace should be relatively recognized by people like this, and it may even be higher than the official reputation of the two empires. "

"Thirdly, Wuhun Palace can also be responsible for protecting the safety of Qian Bank. After all, the soul master power controlled by Wuhun Palace accounts for [-]% or more of the entire continent, especially the number of high-level soul masters is far more than Any other soul master force is protected by Wuhun Palace, what is more reassuring.

If even the Wuhun Palace cannot be protected, does one need to make one's own home safer? "

"Whether it's Dong'er or Xue'er, you guys are able to hit the nail on the head when it comes to issues. You are worthy of being my good wives." Ling Tianyu said with a smile, basically getting to the point.

"Brother Ling, you said before that the money bank will give those customers a certain percentage of interest, but the total amount of money deposited or withdrawn will not change. So what will Wuhun Palace do with the extra interest money?" Qian Ren Snow asked.

If the number is small, it will not be obvious, but once the number becomes large, the number will be terrifying.

For example, if you deposit 100 million gold soul coins and calculate the interest rate at [-]%, then the interest alone will amount to [-] gold soul coins!

If the number is larger, Qian Renxue knows how much assets the nobles of the empire have!

If one of the reasons for the demise of the Ming Dynasty was that the emperor's treasury was out of money, then this does not mean that the entire country was out of money, but that the money was concentrated in the hands of nobles, clans and officials.

On the one hand, Emperor Chongzhen cried that he had no money and wanted to raise military pay, but he couldn't get the money. These officials kept saying that they had no money, and they just couldn't provide the money.

But when Li Zicheng broke through BJ, after a brutal "robbery", he actually obtained 7000 million taels of silver in BJ city. What a huge amount!

Li Zicheng didn't expect that BJ City would be captured like this, and that he would destroy the Ming Dynasty right now?

Three years to clear the magistrate, one hundred thousand snowflakes of silver, not to mention those large and small nobles and officials who don't even hide it.

The amount of money these people have will be an extremely astonishing amount.

"Xue'er asked a very good question. This is one of the two basic businesses of a money bank. Saving money is the way to get money. So if you want to make money through this, the main thing is to lend money to those in need. Just But the interest rate will be higher.

The interest difference between borrowing money and depositing money is the main way for money banks to make profits. "Ling Tianyu smiled.

“For example, a certain earl in the Tiandou Empire wanted to build a new mansion, but found that he didn’t have enough money and borrowing money from people around him was still not enough.

Then the money bank can provide loans at this time, but after borrowing the money, interest must be calculated, such as [-]%. If the earl borrowed [-] gold soul coins, he would have to pay [-] when he repays the money. The interest on gold soul coins is given to the money bank. This is the main way for the bank to make profits and operate. "Ling Tianyu smiled.

"For another example, Zhang San wants to marry a wife or take a concubine, and Li Si wants to open a restaurant, but finds that he does not have enough money. At this time, he can also apply for a loan from a money bank, but he must also pay back the money. Paying interest on money is just not that high, which can be understood as excessive consumption.

We want to focus our main profit points on the nobles and soul masters. As for the ordinary people's money, the more the better. "Ling Tianyu said.

"And the conversion and fund flow require vouchers, one in triplicate, one is for the customer himself, the other is given to the deposit point of each level of the Wuhun branch where the money is deposited, and the third is for the money deposited in the Wuhun branch. The headquarters of Soul Palace Money Bank.

When depositing money, record the customer's information and the amount of money deposited. When the time comes, the customer will use the original credentials to withdraw money.

Moreover, Wuhun Palace is located all over the mainland. In any city you go to, you can withdraw money based on the credentials, which greatly facilitates the movement of funds. "Ling Tianyu then added.

"What if those people still don't pay?" Bibi Dong asked.

"Not yet?

No, before borrowing money, the money bank must fully understand the customer, know the other party's affordability, and must have mortgages, such as fields or houses, etc.

If the money is not paid, then the mortgaged items will be used to repay the money, and the money bank will forcibly confiscate or auction it.

And once such a situation occurs, the money bank will block such a person and will never accept any money lending services from this person. "Ling Tianyu replied.

"S~

Xiaoyu, your idea is really bold and novel, but if it is really implemented, the wealth Qianxing will have will be unimaginable.

Whether it is the two great empires or the so-called Qibao Glazed Sect, which is the richest in the world, they are nothing compared to Qian Xing. The empire's finances mainly rely on taxation. How can it be compared with so much spare money?

This has gathered most of the wealth in the entire continent! "Bibi Dong exclaimed.

"Sister Dong'er, Brother Ling, I'm afraid it's not that simple.

The goals caused by this are too big. Not all people in the two empires and the Qibao Glazed Sect are idiots. It won’t take long for a large number of money banks with the same operating model to appear, and then the competition will be fierce. . Qian Renxue thought.

"It doesn't matter, Xiaoxue, this cake is too big, Wuhundian can't swallow it all, it will stretch itself to death.

The money shop opened by Wuhun Palace has innate advantages. First, it has a good reputation, secondly, it has strong power, thirdly, it has Wuhun Palaces all over the country, and fourthly, Wuhun Palace has a head start.

Even if the two major empires and others want to copy the model of Wuhundian Money Bank, these advantages of Wuhundian still exist. When other competitors rush to establish similar money banks, plus the deployment of personnel, etc., Wuhun Palace may have already captured most of the market, but it may only be able to take a small part of the market behind Wuhun Palace. "Bibi Dong smiled.