The existence of the balancer made Zhou Ming very vigilant, and took certain measures to deal with it in advance. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

First of all, the original plan to open a branch of the Swift Money Bank in every city was cancelled, and the strategic expansion was stopped.

Secondly, the loan business should be tightened, the loan threshold should be raised, and the amount of a single loan should not exceed 500,000 credit points, and the repayment period should not exceed 3 years.

Finally, it is to collect liquidity, and let Swift Money Bank, launched some "deposit for three years, annual interest rate of 3%", "deposit for five years, annual interest rate of 3.5%" financial products, this kind of product is characterized by higher interest, but once the deposit, it must not be withdrawn halfway, otherwise not only there is no interest, but also 2% of the default fee will be deducted.

Sure enough, in less than a month, the cities in District 52, the legal system of the city management system, and the "Anti-Usury Law", a new legal provision made countless lenders cheer and boil:

That is, any form of loan, with or without interest, whether an individual or an institution, if it is issued more than three times, it is illegal, and the borrower does not need to repay

The meaning of this legal provision is understood in one sentence: if there are more than three loans, the customer does not have to repay

Legal experts patiently explained on TV, and the Internet was boiling.

"So, the 200,000 credits I borrowed from Swift Money don't have to be repaid?"

"Hahahaha, my house and hovercar are safe!

"I knew this, I should have borrowed more, I borrowed 300,000 yuan, and I lost to death!"

"It's not good! The loss of the swift money bank is so big, I can only embezzle part of it from the deposit to make up for the loss, I have to quickly withdraw all the money I have stored in it!"

"If you have deposited money in Swift Bank, hurry up and withdraw the money! The people in line are going to crowd the window, and if you go late, you will have no money to withdraw!"

"It is said that Swift Money, in terms of loans, has lost more than 3 trillion, and Swift Money is decided, and if you don't withdraw money, you won't be able to withdraw a single point!"

In the face of a huge run, even if Qian Dalang, the manager of the bank, no matter how much he feeds the users with reassurance, he can't stop the run, which is becoming more and more intense.

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

But to the shock of the gloaters, the depositors and savings funds have been lost to this extent, and the employees of the bank are still operating normally, and the employees of the bank are very calm.

Two weeks after the run crisis, everyone was stunned when Swift Bank opened its vault and showed the full 1 million coins (of course, only 20% of them were true).

"Swift Money, how rich is it?"

"Ma Dan, who said that the swift money village is going to fall, I will beat him to death!"

"My five-year financial product! I originally saved it well, but after listening to those people's words, I took it all out and lost more than 5,000!"

"There are always 99% of people in this world who can be classified as idiots, I didn't take out the money, and tomorrow I have to put 5,000 in it. ”

"I also went back to save money, and I also bought financial products for five years. ”

"In the future, my credit will not be stored except for the swift bank"

The run is over, and Swift Money has not only survived the crisis, but has established an extremely strong reputation in the hearts of depositors.

A blessing in disguise!

In fact, long before the issuance of the new legal provisions of the "Anti-Usury Law" and the occurrence of the run, Zhou Ming made sufficient preparations to deal with it.

The first is to sell a large number of various assets under Swift Money at a low price and turn them into liquidity.

Second, on the Money Life Network, 100,000 coins were auctioned and exchanged for more than 80 billion credits, injecting a large wave of blood.

The third is to add the 200 billion credit points earned in the catering industry in the past few years, which finally blocked the huge bleeding hole cut in the loan business and on the swift bank.

Yes, Zhou Ming counted it, it was just a legal decree, so that although the loss of his swift money bank was not as exaggerated as the "3 trillion" rumored on the Internet, it was more than 300 billion.

300 billion credits, if you exchange them for money at a ratio of 1 million to 1, that's a full 300,000!

Heavy losses!

Almost all of his five years of accumulation were in vain.

It was the hundred years of accumulation in the catering industry in the previous life that saved him everything.

Because five years ago, he invested 3,000 money to acquire a smart kitchen robot manufacturing company on the verge of bankruptcy, and then founded a condiment company, according to the condiment company, more than 80 kinds of new condiments were produced, combined with intelligent kitchen robots, and the production of "God of Food Type 1" kitchen robot, plus his God of Kitchen cooking skills, after being introduced to the market, in just half a year, God of Food Type 1 kitchen robot occupied more than 70% of the kitchen robot market, and triggered a "God of Food Storm".

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

After the money bank survived the crisis, Zhou Ming did not cut all the loan business, and only kept 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 in their hands and need to borrow money or take out a loan to buy money, and Swift Money will still provide loan services for these customers, but the condition is: before the loan is repaid, the money purchased by the customer will be placed in the Swift Bank, and the customer shall not take it out.

This means that even if the customer wants to break the contract, there is no way to empty the gloves and play some smug cleverness.

And Swift Money Bank, there is no loss, money and credit points, are in their own hands, what tricks can customers play?

Of course, in doing so, the profit margin of Swift Money will definitely be greatly reduced, only one-tenth of the previous one.

Coupled with the money earned in the catering field, the money earned by charging money auction fees on the money life network, the net profit of 60 billion credits per year, and the annual interest expenses generated by the depositors' deposits of 2 trillion credits lying in the swift money bank, Zhou Ming can't even guarantee whether all his asset groups can break even.

And not accepting depositors' deposits is idiotic behavior...... So Zhou Ming thought of an ingenious way to solve this problem with 100% certainty:

Go all out to enter the medical field!

"Swift Money, plus Life Extension Medical, I not only want to close all the other hospitals in District 52, but also make all the money!"

……

Five months later.

With an investment of more than 300,000 yuan and more than 100 billion credits, Vitality Medical Company was officially established.

Located in the center of the city, this "Vitality Building", standing directly opposite the Oriental Hospital, is not only not weak in momentum, but also more magnificent!

Because the height of the vitality building is one level higher than that of the East Hospital, a full 100 floors!

Advanced medical equipment, buy!

Famous and gifted medical talents, offering high salaries, dig!

Fresh graduates of medical universities, recruits!

In short, the madness of Zhou Ming's spending money in the past few months has made everyone stunned and took a deep breath.

Even the Dongfang Hospital opposite the Shengji Building was stunned, especially when he heard that the boss of the Shengji Medical Company had made wild claims that he would bring down the Dongfang Hospital within 10 years, the leadership of the Dongfang Hospital was stunned for a minute, and then burst into laughter, and its general director, Kang Jinkai, even mocked: "Foolish people talk about dreams! Destroy Dongfang Hospital in 10 years, and kill you in 10 years!"

However, seeing the building opposite that blocked the scenery and sunlight and was deliberately one floor higher, I don't know why, Kang Jinkai's heart gave birth to a hairy illusion.

……

Inside the Vitality Building.

88th floor, in a corridor.

"Is there enough medical equipment? Is there enough manpower? What are the difficulties, you can just mention it! I just ask: Can you start various medical research and development plans in the shortest possible time?"

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

"Enough is enough, equipment, manpower, funds, all aspects are enough! and so on for the research team of each project, the personnel are properly arranged, after the work is completed, within one to two weeks, all research and development plans can be on the right track!"

The general person in charge on the left-hand side, a middle-aged Wang Dawei nodded, 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, in the face of the 10 times the treatment offered by the vitality medical company, he did not hesitate and jumped ship directly.

The woman in the skirt on the right, who is in her thirties, has a capable temperament, outstanding appearance, and a document in her hand, and Tang Hong, who is also the manager of the marketing department and personnel department of Shengsheng Medical Company, blinked her beautiful eyes and said with a charming smile: "Boss, please rest assured, within a week, all departments, various work, and all personnel of Shengji Medical Company, I will definitely arrange them for you in an orderly manner." ”

Tang Hong is very confident in herself, she previously served as the CEO of a telecommunications company with more than 30,000 employees for five years, and now manages more than 10,000 people in this medical institution, which is not too much of a challenge for her.

Moreover, the market of the medical industry is ten times higher than that of the communications industry, and Tang Hong, who has a larger platform for display, also wants to prove to her father: What a ridiculous decision it is to hand over the communication company to that incompetent brother! Kicking her out of the family group will also make them feel deep regret!

In addition, when he learned that the boss of Shengsheng Medical Company was also in his 30s and was still single, looking at this dignified, handsome and confident man, Tang Hong's heart had a little strange thoughts.

"Hey, isn't that Xiaofeng?"

When passing by a cancer research room, 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 studying? Are you still used to working here? Are there any difficulties?"

Gu Naifeng, who was still immersed in his work just now, put down the utensils in his hand and told Zhou Ming with some restraint: he is studying the relationship between the infinite division of cancer cells and life extension, and the working environment here is also very good, much better than the school, he is very satisfied with the treatment, and the work place is close to his home, so there is no difficulty.

Zhou Ming nodded, pointed at Gu Naifeng, and said to Wang David, Tang Hong and others beside him: "Xiaofeng, this young man, I am very optimistic about him, I think he has an unlimited future in the future, so his tuition fees for five years of college are all paid by me, you all help train him, he will definitely be of great use in the future!"

"Understood, understood!"

"Boss, for Xiaofeng, we will definitely cultivate it vigorously! ”

These people in charge immediately patted their chests and assured that they would cultivate Xiaofeng, and 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 redness, jealousy, envy and other eyes, had to touch his head, feeling the pressure on his body suddenly became a little bigger.

……

After inspecting the vitality building, he returned home, first extracted the complete set of medical technology data in the system warehouse space, and then looked at the pile of immortal grass and tens of thousands of immortal pills still lying there in the warehouse, Zhou Ming had a complete set of plans in his heart.

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

In another two years, the research team will combine the longevity principle of Changsheng Grass and Immortal Pill to develop more powerful life extension technology.

Five years later, when the research results come out, a nuclear bomb can almost be dropped in the medical field of Area 52.

Therefore, within ten years, the defeat of the Oriental Hospital is not Zhou Ming's bragging.