Otherworld Management Manual

When the interest-free loan was mentioned, Raman felt incredible.

This Hongye Bank obviously makes money through loan interest, how could it be interest-free? Have money or not?

But Shu Daqiang told him that only those with extremely high evaluation scores can apply for interest-free loans. It is difficult for ordinary people to apply for it, and there is no need to pay interest. All you need is a small handling fee and a certain value of collateral. .

Currently in the Kingdom of Tanga, only he, Grand Duke Raman and King Nebet, is eligible.

Of course, the king is definitely not short of money, therefore, only the Duke of Laman is qualified in the whole world for the time being!

These are the original words of Shu Daqiang.

Raman wanted to say: King Bennett is also very short of money!

But Shu Daqiang thought highly of His Majesty the King so much, he was a little embarrassed to say any more.

And when this matter reached the ears of King Nebet, he said without hesitation:

"No, why am I not short of money? I also want to get a loan from Hongye Bank!"

King Nebet looked at Laman with piercing eyes.

"what?"

Laman was a little confused. He said that the king was not short of money because he considered the king's face, but he didn't expect that the king himself didn't seem to care.

"I know what you mean, but at this time, there is no need to care about face. If we have more money and more supplies than others, our chances of surviving this war will be greater. It doesn't matter if you don't lose face!"

Nebett spoke wisely.

Raman thought, yes.

Although there has not been a large-scale war in Danga Kingdom for the time being, it does not mean that they can stay out of it. The reason why people did not fight here is because it is too remote and it is not worth a special trip now, and the second is that Danga Kingdom is too small. , is not within the threat list of those powerful countries.

But sooner or later they will attack.

It depends on whether the Kingdom of Danga can stand it during this period of time.

So King Nebett personally received Shu Daqiang.

This is the first time that Shu Daqiang met the king of Danga, who looks very similar to Laman, but thinner.

A few people are polite first,

Then King Nebett got straight to the point and asked about the loan.

Shu Daqiang also told King Nebet very straightforwardly that as long as he provides support to Hongye Bank, he can easily get a loan from the bank.

As for how to support, it is also very simple, there is no need for Nebet to pay anything, just to ensure that Hongye Bank will not be bullied in Danga, and to act as the image ambassador of Hongye Bank.

Nebett can understand the protection of Hongye Bank, but he doesn't quite understand what an image ambassador is.

Shu Daqiang's explanation is also very simple and clear. The influence ambassador is the spokesperson of Hongye Bank. He uses his fame to help Hongye Bank advertise and increase its reputation.

When Hongye Bank opened, the image ambassador needed to attend, and then when Hongye Bank held major events, he also needed to attend. He didn't need to do anything, just show his face, or even say nothing.

It doesn't sound like any difficulty, just requires some not-so-valuable time.

Nebet and Laman discussed for a while and agreed.

When signing the contract, Shu Daqiang was still at the request of Nebett, and stated in the contract that Nebett, the image ambassador, did not need to pay anything to Hongye Bank.

After all, the Red Leaf Bank is a strange thing. Nebet was afraid that he would be tricked, so he seemed very cautious.

Of course, Shu Daqiang did not refuse, and repeatedly stated that Hongye Bank is a regular institution chained all over the world and will not deceive anyone.

At the same time, Shu Daqiang also said that if King Nebet wanted, he could also sign a lifelong image ambassador contract with His Majesty the King, that is to say, as long as King Nebet was in power for one day, he would be the image ambassador of Hongye Bank.

Now the contract is signed for five years. If it is a lifetime contract, the bank will not only provide Nebet with a certain amount of interest-free loans, but also give him a certain amount of profit every year.

That sounds like a great idea.

After thinking about it for a while, King Nebett agreed. Anyway, he will be a king for five years, and he will be a king for fifty years. It doesn't matter if he doesn't need to pay anything.

Besides, whether the Danga Kingdom can survive this year, and whether he can continue as a king, are all questions, and he doesn't care about that time.

Therefore, the two parties happily signed a cooperation contract.

On the second day after signing the contract, Hongye Bank officially started construction.

This is also Shu Daqiang keeping a hand. If King Nebet refuses to agree, then he may need to consider going to another country.

The reason why he insisted on letting King Nebet be the image ambassador is also very simple. After all, this is not the Kingdom of Buck, and there is no Zhang Feng.

If there is no prestigious person to endorse Hongye Bank, many people may not trust Hongye Bank. After all, it involves money, and everyone is more cautious.

If one person, especially His Majesty the King of his country, stood up, the effect would be completely different.

This image ambassador, as Shu Daqiang said, will not have any impact on King Nebet, and both sides can be regarded as taking what they need.

But the premise is that Hongye Bank will not have a crisis of confidence and will not go bankrupt.

This was Zhang Feng's outpost for invading the orc kingdom. Naturally, he would not cause problems in Hongye Bank, so the probability of this was very small.

After signing the contract, Shu Daqiang used the name of King Nebet to publicize it in the capital of King Danga.

Therefore, when the bank building was still under construction, many people were eager to try it. When the bank finally opened and announced the interest rate for deposits here, everyone was like crazy. They all came here with bags of gold coins. deposit.

For this situation, King Nebet did not expect it.

"There are really so many people depositing money?"

He spoke to Raman in surprise.

"I didn't expect either..."

Raman also shook his head.

Although we are partners, seeing that the business was so good on the first day of opening, they felt a little sour.

Now, they already know the profit model of Hongye Bank.

It is to obtain funds through other people's deposits, and then loan out these funds to earn the difference.

Shu Daqiang didn't hide these things, after all, a smart person would be able to tell at a glance as long as he came to the bank to find out.

However, Shu Daqiang would definitely not say how much profit he made. After all, the money was not exposed, and he was afraid that Bennett would be jealous.

And Bennett was just sour for a while, and didn't care.

When I think about how many interest-free loans I am going to take out alone, plus Raman, this is not a small number.

And others may not necessarily take out loans. After all, the interest on loans is not low. If everyone saves money and does not take out loans, then the bank will not make much money.

What Shu Daqiang means is that small profits but quick turnover. There are many Hongye banks like theirs all over the world. If one can make a little money, then all the banks added up can make enough money for them.

Nebett believed it.

Raman believed it too.

But how did they know how terrifying the interests in the middle are.

First of all, the rich people in King Danga's city were far beyond King Nebet's expectations.

On the first day of opening alone, three million gold coins were deposited in the bank!

This is only from Wangcheng, and when the news spreads, there must be people from other places depositing.

Although these three million gold coins are nothing compared to Hongye City. After all, Hongye City saved 10 million gold coins on the opening day, but considering that this place is not as developed as Hongye City after all, it is far less rich than Hongye City. All these numbers are already scary.

Earlier, Shu Daqiang jokingly asked King Nebet how many people would deposit money on the opening day.

Nebett knew how poor his country was, and he thought there would not be too many, but considering that Shu Daqiang and others should not be scared away, he said a figure of 500,000 gold coins.

In fact, he felt in his heart that he could save 100,000 that day, which is a very remarkable figure, and he "falsified" the 500,000.

But obviously, he underestimated his people.

These days, rich people are not stupid. There are many rich people who can be seen at a glance, and there are also many low-key rich people.

In particular, Hongye Bank faintly reveals that there is a superpower behind the bank that will not disclose any customer information, and even His Majesty the King has no right to check the information of the head of the household.

And the bank assured everyone that even if the Danga Kingdom no longer exists, their bank is still there. No matter where they go in the future, as long as they find Hongye Bank, they can withdraw their money!

This reason is the focus of public attention.

The current situation of the Danga Kingdom is unknown. If it is really lost and wiped out, then these rich people are destined to become the focus of attention, and they will definitely not have good results. This is inevitable.

But if their money is kept in the bank and kept by the bank, it seems to be much safer.

Even if the country of Danjia is breached in the end, let them search, and if they can find it, they are capable.

Of course, before that, they have to ensure that they don't die, otherwise the money in the bank will become the bank's. After all, they hold the passbooks themselves, so they don't feel at ease for others.

And Zhang Feng could clearly understand the situation of the orcs in the Danjia country, so he thoughtfully asked Shu Daqiang to add a business that Hongye City didn't have yet-insurance.

There are not many types of insurance, and for the time being, there is only one "life accident insurance".

It means that as long as you spend a certain amount of gold coins to buy this accident insurance, if you really have an accident, you will get a certain amount of compensation. The more you buy, the more compensation you will get, and the beneficiary can fill in his descendants.

At the same time, if you buy this insurance, if an accident occurs, your deposit will be automatically transferred to the beneficiary's name without any operation on your part.

For those rich people, they also like this insurance very much.

Their thoughts are actually very complicated. For example, when they are alive, they naturally hope that all the money is in their own hands. Even if they leave a part of it to future generations, most of it is still in their own hands. In the bones, human nature is like this.

But if they are going to die, they definitely hope that the money will be in the hands of their descendants. After all, it is better to leave it to the descendants than to benefit others.

Then this is a problem. If they leave money to future generations now, they will be reluctant, and there are quite a few descendants of these rich people, which may also involve the issue of struggle.

But if they don't give them, they might be gone anytime soon.

So very tangled.

And this insurance, like understanding their inner entanglement, is very suitable.

However, Hongye Bank also made it very clear that only accidents are counted. Considering the issue of war at present, war is considered an accident, but if it is premeditated murder by relatives, it does not count.

This is to tell them not to spread the word about buying insurance, otherwise if someone kills them, they will be unlucky and the bank will be in trouble.

In this regard, these people naturally promised not to tell others, even if they leaked, they must not reveal who the beneficiary is.

So, on the same day, in addition to the three million gold coin deposit, the insurance sold another five hundred thousand gold coins!

There are still some people who are more hesitant. If the beneficiary has not been selected, otherwise they will sell more.

This insurance is a pure gross profit. Although there will definitely be claims in the future, it is impossible for everyone to die. Only a small number of accidental deaths. Overall, it must be profitable.

As for why these people are sure that these people will not die, it is because Zhang Feng regards Danjia City as an outpost of economic invasion, and he will not allow the Danjia Kingdom to be destroyed.

If it is really dangerous, even if he sends more troops, he will have to keep Danjia.

As for defeating the Heavenly Wolf Empire, Zhang Feng is not sure at all, but if it is to say that Danjia Kingdom will not be ranked low and eliminated, Zhang Feng still has this certainty.

Of course, Zhang Feng would never tell others about this kind of thing, not even Shu Daqiang, for Zhang Feng was afraid that he would slip up.

This is to prevent the orcs in the Danga country from "not wanting to make progress" after knowing this.

After all, Zhang Feng still wanted to make money from them, and they couldn't do without motivation.

In three days, the Red Leaf Bank in Danjia was on the right track.

There are an endless stream of people saving money every day, and at the same time, some people are applying for loans.

Even Shu Daqiang started a one-stop service.

At this time, people who borrow money are basically not doing business, but to improve their self-protection ability, so that they have enough capital to protect themselves before the war breaks out.

Therefore, Shu Daqiang opened three more stores next door to Hongye Bank, one specializing in selling various weapons and armor, one specializing in food, and the last one selling groceries.

Now, an industrial chain has been formed directly.

Someone came to Hongye Bank for a loan, and after getting the loan, they found that the things here were unexpectedly good. They saw that they were from the Hongye brand, so they simply spent the money here and went home with a bunch of supplies.

That's an extra income.

At the same time, the business with King Nebet also started.

Nebet used a one million interest-free loan to buy countless weapons, armor, and food, all of which were on the way.

As a mortgage, a small town next to the capital was leased to the Red Leaf Chamber of Commerce for a hundred years at the price of one gold coin.