"Which one of the banks in the mortal world is not an empty glove white wolf?" Liu Lang said secretly in his heart.

After tasting the sweetness from the Heavenly Court chat room based on the sound transmission stone, Liu Lang has already deeply realized that whether it is in the Heavenly Court or in the mortal world, only the monopoly industry can really make a lot of money.

There is currently no money bank in the heavenly court, let alone a bank, and even if there is a loan, it is between acquaintances and friends, and there is no industry.

If he can introduce the bank's deposit and loan model into the heavenly court, at least in the short term, there will be no competitors, which is equivalent to monopoly.

By the time the merchants of Heavenly Court became familiar with this model and competed to imitate it, he had already made a lot of money, and at that time, he could completely withdraw and look for new business opportunities.

Moreover, one of the biggest advantages of opening a bank is that the cost is low, and the role of the bank is like a middleman, as long as the deposit and loan can be circulated, its own investment can be negligible, which is suitable for Liu Lang, who is currently worth only a few thousand amethyst coins.

Of course, if you really want to implement it, you will face many problems, and when Liu Lang was thinking, Zhou Ba put forward the two biggest problems.

"Lord Liu, your idea is very good, once it is realized, it will definitely make a lot of money, but have you thought about it, I know you well, I believe you, I may put the rich amethyst coins here to earn interest, but what about the people who don't know you? They must be worried that you will run away with the amethyst coins. This is just one of them, in addition, you said to lend out the amethyst coins deposited, if the person who borrowed the amethyst coins ran away with the amethyst coins, or was unable to repay them when it expired, what should I do?"

"The two problems you mentioned are indeed big problems. Liu Lang nodded in agreement, and then continued: "However, I already have a preliminary solution. ”

"Tell me about it. Zhou Ba said curiously.

"First of all, the problem of saving, if you want people to rest assured and boldly save the amethyst coin, in addition to attracting interest, you have to find a few people who are bullish forks to help stand on the platform, and it is best to pull a few people into the shares, so that people can establish the confidence that the monk can't run the temple. Liu Lang said with a smile.

"How powerful is it to pull a few great powers into the shares?" asked Zhou Ba.

"What's the matter, you have to start with Jin Xian, it's low, and you can't control the scene. Liu Lang held his chin and said.

"Ahem, Jin Xian. "As a small merchant at the bottom of the Heavenly Court, Zhou Ba didn't say that he had an intersection with Jin Xian, even if he had a relationship with Da Xian, he didn't say a few words.

Listening to Liu Lang say it so easily, those who didn't know thought that Jin Xian was a cabbage.

However, thinking of the recent great power in the heavenly court and helping Liu Lang wave the flag and shout, Zhou Ba felt that Liu Lang said that it seemed that it could really be realized if he asked Da Neng to stand on the platform and pull Da Neng to become a shareholder.

"The problem of storage is solved, and then, it's just how to borrow out, my solution is very simple, only do the mortgage in the early stage!" Liu Lang continued.

"What is a mortgage?" Zhou Ba wondered.

"The mortgage is to use the house as collateral to borrow money, and when the time comes, you will take the house to the account. Liu Lang patiently explained to Zhou Ba.

Housing loans are well-known in the mortal world, but in the heavenly court, it is a new thing, Liu Lang is ready to use the mortgage as the basis to help the gods in the heavenly court establish the concept of early consumption, which contains huge business opportunities, and when the mortgage is understood, you can also consider launching things like credit cards, which is definitely a source of money.

"It's safe to use the house as a mortgage!" Zhou Ba couldn't help but give a thumbs up when he heard Ozil Liu Lang's solution.

Tianting's real estate industry is booming, if the loan is amethyst, and the house is recovered, it may earn more, at least, there is no risk at this stage.

"Of course, this is only a preliminary assumption. Liu Lang said with a smile: "When I go to Heaven the day after tomorrow, I will seriously investigate the real estate market in Heaven." After all, taking the house as a mortgage must be based on the fact that the price of the house cannot fall, otherwise, you will not lose a blue nose and swollen face. ”

"Then I will be in the heavenly court the day after tomorrow, waiting for Lord Liu's master, and when the time comes, I will take you around. Zhou Ba said enthusiastically.

"There is Lord Lao Zhou, if the Heavenly Court Bank can really be opened, I hope that Lord Zhou can enter the Heavenly Court Bank to help. "It is impossible for Liu Lang to keep Zhou Babai busy, not to mention, Zhou Ba is still able to influence the people of Qiu Meihua, the Supreme Elder of the Infinite Sect, so he immediately promised benefits.

"It is incumbent on me to shirk, it is incumbent on me to say hello when I am in need, and I will not give up on my death. Zhou Ba slapped his chest loudly.

He tossed for so long, wasn't it just for Liu Lang's words?

Thinking about Liu Lang's plan for Heavenly Court Bank, Zhou Ba felt that he had lived to a dog for more than a thousand years, and this transaction of deposit and loan was actually not difficult in terms of reason, but no one in the entire Heavenly Court thought of it.

From this point of view, the wisdom of mortals is really not weaker than that of immortals.

After sending Zhou Ba away, Liu Lang also became more and more excited the more he thought about it, if Tianting Bank could really develop, then the profitability would definitely crush the Tianting chat room, which was the core part of his future Tianting business territory.

Liu Lang didn't think that he was smarter than the immortals, and the reason why he was able to successfully open a charging station in the heavenly court, operate a chat room, and dig the first pot of gold was completely because he used the existing experience in the mortal world.

The same is true for the future Heavenly Court Bank.

Different social structures have created different business models, and the only thing Liu Lang needs to consider is how to transfer the mature experience of the mortal world to the heavenly court and carry it forward.

After exiting the mortal immortal prison, Liu Lang found that Mu Xueqing was sleeping soundly, and Mu Xueqing slept very dishonestly, and one thigh was directly on his body. Two arms, also tightly wrapped around his neck.

Liu Lang tilted his head, and the mouths of the two joined together again.

"You must pay attention to moderation!" At this time, Liu Lang couldn't help but think of his mother's admonition to himself, and just after missing two sentences, Mu Xueqing's tongue actually stretched out.

"Let's be temperate tomorrow!"

Liu Lang's psychological defense line collapsed instantly, and he turned over and pressed Mu Xueqing under him.

After a long time, when the clouds and rain first stopped, Mu Xueqing was still wrapped around Liu Lang's body like an octopus.

"It's not early, whatever you want to eat in the evening, I'll make it for you. Liu Lang said lightly brushing Mu Xueqing's hair.

"Don't eat anything, I want you to hold me like this all the time. Mu Xueqing said softly.

"It's so clingy!" Liu Lang smiled and hugged him tighter.

However, he was thinking about a question in his heart: if he slept with Mu Xueqing every day in the future, how could he go to the Xingyue Secret Realm to cultivate.