What's next?

This is the question that Zhou Ming began to think about after having a start-up capital in his hand that he could use with confidence. Pen "Fun" Pavilion www.biquge.info

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

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

Continue to engage in catering and conquer the world with food?

Shaking his head, it's too slow, it's not five years, ten years, it can't be effective quickly, and it's very tiring.

Directly enter the medical field, develop life-extending medical technology, and make money in the hands of middle- and high-income groups?

It has not yet reached that time, and entering the medical treatment requires huge financial investment and technology accumulation, and the money in Zhou Ming's hands is not enough.

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

This is not possible for the time being, the mayor's position, it is not that you can sit casually if you have money in your hand, otherwise it will not be messy, for example, a rich second-generation child of a few years old, spending money to sit on the position of mayor of a city with a population of one million, this kind of thing, can you imagine?

Therefore, there are two conditions for buying a mayoral position, one is to be over 30 years old, and the other is to have more than 10 years of work experience in public office.

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

It can even be said that money and rules work together to build this world.

The above roads don't need to be considered for the time being, and they are not easy to walk for the time being.

And according to the experience of exchanging money for most of the past six months, as well as the knowledge of following Qian Dalang to travel north and south and in the world of money messengers, plus the starting capital of more than 50,000 money and 5 billion credits on hand, Zhou Ming has a bigger plan in his heart.

The name says: Money begets money.

He wants to be a money messenger like Qian Dalang.

No, his dreams are a little 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 no one can leave.

He has many advantages, such as the information advantage of knowing oneself and the other, sophisticated and advanced financial knowledge, and most importantly: he has a large amount of initial capital in his hands.

Zhou Ming set a small goal for himself: to set up an "honest money 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 as a slave controlled by slave medicine, he couldn't do anything to disobey his master, and he couldn't even say anything to protest against it, Qian Dalang still shook his head violently and said:

"No, this plan can't work at all, but it will lose itself!"

Qian Dalang expressed several of his views:

First, there are hundreds of similar honest money banks in the entire underground of Yaoxing City, but none of them are bigger, but dozens of them fall every year.

Second, if you propose "deposit interest payment and loan profit", it will indeed attract some customers to deposit, but the loan business will lose 100% of all its money.

Third, only 1% of the handling fee is charged for each lot of transactions, and large transactions are more favorable, and old members are also discounted...... This kind of profitability is only 1/5 to 1/10 of the average profit of the industry, and it can't make money.

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

Fifth, although the time and cost of building your own money trading website is not much, if you want to attract more than one million users in the short term, it takes a lot of money and time, because there are many similar websites.

Sixth, these regulations are convenient for customers, but they will become the public enemy and mortal enemy of the entire industry.

7. After the loan is released, if you want to recover it, you will encounter all kinds of resistance, because the law does not protect the loan shark businessman......

Eight......

In short, as a senior money messenger, Qian Dalang said more than a dozen opinions that rejected his idea in one breath for the whimsy of the young boss.

"How do you know if you can make it without giving it a try?"

Zhou Ming smiled slightly, looking at the automatically shaking cradle bed in the living room, in fact, he was already full of confidence in his heart.

For most of the methods he conceived, with the exception of a few of his own original inspirations, were entirely copied from the winning methods adopted by the future genius money messenger, Qian Duoduo.

For example, "1% handling fee system", "3 days for credit, 7 days for money", "providing loans to customers", etc., these three tricks have made Qian Duoduo earn hundreds of thousands of dollars in 50 years.

And it is still a single battle, without opening an honest money bank.

The core secret of his success is actually four words:

Live above one's income

Yes, any customer who has money in hand will certainly want to sell their money for the highest price when they need credit urgently.

Similarly, customers who have extra credits in their hands naturally hope that they can exchange a small amount of money when they want to buy money.

However, in the case of large market fluctuations and the exchange ratio is not fixed, it is impossible to meet the needs of customers in both aspects at the same time.

Money is a scarce wealth and just needed goods, and the potential value is far above the credit point, so in the customer group of Zhou Mingkai's honest money bank, the customers who sell money are far more important than the customers who want to buy money.

In order to meet the needs of these customers, Zhou Ming plans to recruit two programmers, set up a money trading website, and introduce an auction mechanism, in which each coin will go through a round of bidding, and only the highest bidder can win the coin.

This is very bad for the customer who wants to buy money, because if he has 500,000 credits and wants to buy the next coin, and someone buys it with 600,000 credits, if it is the usual practice, he can only wait for the next auction opportunity, or find other ways to buy the money at the right price.

The problem is that the person doesn't want to sell the money in his hand for a reasonable high price, and the customer who is in urgent need of "money" wants to buy a piece of money at just the right price, and either tries his luck in the long wait, or puts the 500,000 credits in his hand in favor of 600,000.

Now, Zhou Ming has thoughtfully considered these buyer customers and launched a "loan service", lending him 100,000 credits, so that he can buy the money first, and then repay the loan slowly in one year, three years, five years, and 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 satisfied, and Zhou Ming's honest money bank has also gained certain benefits.

The side effect is that the exchange price of money will inevitably rise, perhaps, by a large margin.

The principle is the same as the rise in housing prices in Zhou Ming's world, money is similar to the rigid needs of "commercial housing" (this analogy is not appropriate, because houses are constantly increasing, money is not necessarily), and the culprit who boosts the rise in housing prices is naturally the bank.

Is it the fault of the banks that the house prices are so high? Of course, there are some of them, but if people don't want to buy a house, how can it go up so high?

……

So, in the next few months, Zhou Ming first recruited two programmers, named Zhang Jianlin and Lin Sicong, their programming skills are quite good, and they have done dozens of similar money trading networks, so after Zhou Ming told them his idea, it only took two weeks to successfully build a slightly simple function, but a fully usable "money life network".

The website is available, on a fairly prosperous street near the third ring road in the east of the city, a currency exchange agency with the sign of "Swift Integrity Electric Company" recruited three employees, and quietly opened its doors.

At the beginning, the business of Qianzhuang was not very good, it can be said that it was extremely cold, and the number of visits and user registrations of Qianren.com was also growing slowly at a single-digit number every day.

It wasn't until Zhou Ming smashed 500 million credits at one time and asked the advertising company to give him a month in a row, after brainwashing him with advertisements like virus infection and bombardment, because of the advertising slogan "In 3 days, your money can be sold for 1 million credits, and in 7 days, 300,000 credits, you can buy the money you urgently need", the number of registered accounts that poured into the money life network quickly exceeded 500,000.

500,000 users, basically met Zhou Ming's initial requirements, so he auctioned 1 piece of money every half hour, and in a month, nearly 1,500 pieces of money were auctioned, with an average transaction price of 88. 630,000 credits (the price is so low, mainly because when there are fewer registered accounts in the early stage, some people picked up cheaply).

Seeing that the average transaction price is so high, and the intermediary fees charged are low, which makes people feel unreal, some customers who want to sell their money take the initiative to call the customer service number of Swift Integrity Electric Company (Swift Money), and ask many times in a row, and determine the most exciting preferential terms for them, within a few days, they rushed to Yaoxing City, handed over the money in their hands, and let it be auctioned on their behalf.

As a result, the speed of money consumption in Zhou Ming's hands finally began to fall, and even if he didn't take out his own money and put it on the website for auction in the later stage, he would be able to retain those users on the Internet.

In addition, affected by the popularity of the website and the skyrocketing reputation, the business of Swift Money has finally begun to improve.

In particular, after learning that Swift Money Bank launched a loan service, which can be used to purchase the money needed in the form of property mortgage and installment payment, some people who are eager for money, such as the desert and hope for Ganlin, regard Swift Money Village as the last life-saving straw that can be grasped.

The first customer to apply for a loan was a 101-year-old old lady, who used her real estate as collateral, borrowed more than 6 million credits, bought 6 coins, and finally saved enough money for medium-term life extension, went to the cheapest hospital, and completed the treatment of 30 years of life extension.

The second customer who applied for a loan was an unemployed young man who had no extra money in his hands, but he had his eye on a job that could be purchased with only 70,000 credits.

The twenty-eighth customer who applied for a loan, Zhou Ming actually knew, and it was an old acquaintance, Gu Naihui, the wife of the previous life, and his younger brother Gu Naifeng, Gu Naihui solved the crisis of the hotel and successfully bought a smart kitchen robot, but his brother's tuition has not been solved, and he can't borrow 5 money.

Now that the school year is about to start, if the tuition can't be raised, Gu Naifeng's more than ten years of hard work will be in vain.

"5 coins, need to borrow more than 5 million credits, and use real estate and other real estate as collateral?"

Gu Naihui shook her head, too much, too much! The hotel's profit in a year is only about two million credits, and a year's tuition fee will cost the hotel two years of profit, but my younger brother's college will take five years.

Gujia Restaurant, isn't it impossible to make a penny for ten years.

Forget it, don't take out a loan!

Just as he was about to pull his frustrated younger brother away, a voice came from behind: "I can help you solve the problem of tuition, and I don't want you to use the hotel as collateral, as long as you promise me a condition." ”

"On what terms?"

Gu Naifeng looked surprised, turned his head, and looked at the bearded man who looked like he was thirty years old.

"After graduating from university, I went to my graduate school and did research for the rest of my life...... Rest assured, the salary will still be paid to you. Zhou Ming hugged his hand and said.

"Yes! I promise you!"

Gu Naifeng nodded in agreement without thinking.