The efficiency of the Demon Martial Arts is always so amazing.

The next day, Fang Ping received a reply from the school, which allowed Fang Ping's proposal in principle to open a credit lending system.

Not unlimited, of course.

Credits are not money, but resources are limited, and the school gives a loan limit of 100,000 credits every year.

And 100,000 credits, converted into physical value, up to 3 billion!

For the platform opened by students, giving such a high loan amount, Fang Ping is not without paying.

First, Lu Fengrou and Old Man Li came forward to vouch.

Second, the school has the right to take over the platform after Fang Ping's accident, rather than Fang Ping's family continuing to take over.

Third, the annual settlement, the discount rate is less than 5%, and the school will not be held accountable if the student war materials are submitted, and the remote platform will be responsible for the overreach.

Fourth......

There are a lot of restrictions, and the school gives a lot of restrictions.

Including checking the accounts at any time, including whether the credits were really lent to the students, rather than Fang Ping himself in the hands of them, and Mowu also sent someone to supervise it.

The platform is gradually moving on the right track, and it is no longer an errand company that was only responsible for delivering goods.

As for the loan interest, it is formulated by the remote platform, reported to the school, and the school gives approval, and the interest belongs to the school, and the remote platform can charge 10% of the interest management fee.

Not pulling out a dime, is not the style of magic martial arts.

Giving a 10% interest management fee to the distance is not too much in the eyes of Mowu.

Interest, the school didn't expect to make students cheap by this, just to make up for the bad debts that might appear, and these credits and money would eventually flow into the hands of students.

......

Demon Wu felt that 10% was not much, but Fang Ping was thinking about how high the interest should be charged.

As for the daily interest rate of five ten-thousandths, of course it will not work, and Mowu will not allow Fang Ping to collect so high, and the adult interest rate will reach 18%.

It can be 3/10,000 per day, which sounds extremely low...... The annual interest rate is also over 10%.

"10% a year, if you do the limit, after a year, the minimum income is more than 10,000 credits, and the platform score is 10%, which is more than 1,000 credits. ”

"In fact, the school is integrated once a year, and there is too much room for maneuver during this period, including the interest on short-term debts, which is once again turned into a cost. If the operation is good, the income will be thousands of credits in a year. ”

Logistics.

Fang Ping pondered in his heart for a while, and his eyes were full of golden light!

A few thousand credits, that's tens of millions and hundreds of millions.

A small magic weapon, how much money is the platform operating cost?

Thinking of this, Fang Ping whispered: "Teacher, you said that the daily interest is three ten-thousandths, is it high?"

"Three ten-thousandths?"

Old man Li was still calculating the interest level for a while, and Fang Ping quickly said: "It's very low, right? Ordinary students, borrowing 100 credits will be able to survive, and only 0.03 credits of interest will be charged a day, to be honest, this is a very low interest, even if it is a month, it will be less than 1 credit."

can get 100 credits a month in advance, and he may be able to enter the third grade from the second grade.

What is 1 credit in this month's time?

Teacher, do you think that's the reason?"

Old man Li groaned slightly: "It's not a high ......."

"This is actually equivalent to the school taking out 3 billion resources in advance, but I believe that this 3 billion is definitely worth it.

Perhaps, in a year, Mowu can have dozens of more third- and fourth-grade students.

To make an incomparably great contribution to humanity!

And these resources are not just gone out of thin air, and at the end of the year, they will return to the school, so that a virtuous circle is formed, and the school will not only not suffer any losses, but also gain a good reputation among students......"

Old man Li looked at him and didn't speak, Fang Ping smiled again: "Teacher, the question about the discount on the platform ......"

"The meaning of the school is to maintain the current price, the elixirs and weapons of the Demon Martial Arts are limited, and if you do it, wouldn't it be ......?"

"Teacher, how short-sighted the school is! I ask you, where did the elixir come from?"

Old man Li was stunned for a moment, thought for a while, and said, "Some of the main materials come from the cave. ”

"That's right, the students consume a lot and make rapid progress, do they have to go to the cave to struggle, so that the materials will naturally make up for ......"

Saying that, Fang Ping said again: "Where did the alloy weapon come from?"

"Some of them also come from cave ......"

"It's still the same thing! And to build alloy weapons, you need manpower, right? On the side of the Demon Martial Arts, weapons are generally not made in batches, but forged by hand.

It is mainly undertaken by the students of the manufacturing college, but the students of the manufacturing college are not usually very keen to participate in these.

In school, they think more about which company they will enter in the future......

But if they are now burdened with huge debts, they will take the initiative to work, right?"

"You mean ......"

"So, the school is worried about the lack of resources, and it's completely in vain.

The more you consume, the stronger you are, the more you can earn.

The wool is still borne by the sheep, not by the school. ”

"I'll ask you again, remember to get this done well, if you really want to lose 100,000 credits, it's not a matter of credits, boy, when the time comes, you can't afford to lose if you are sold, so you are ready to work for the school all the time!"

Fang Ping disagreed, and pouted: "Unless the borrowers are all killed in battle! At that time, the earth is probably going to be breached, and they still care about this." ”

Old man Li was speechless.

Well said!

The students have all died in the war, and with this kind of mortality, is there still hope for mankind?

So, this kid didn't even think about the problem of compensating the school?

For a while, Old Man Li fell into deep thought.

Seeing this, Fang Ping said again: "Teacher, then I'll go back first, in addition, this time I'll trouble you, don't worry, the guarantee will never let you carry the black pot, I'm not this kind of person." ”

Old man Li nodded Mu Ran, you said that you would not compensate, where did the black pot come from!

Seeing that Fang Ping was leaving, Old Man Li suddenly said, "In a few days, I'll take you to a place." ”

"Where are you going?"

"A good place where you can see a lot of things, and it will be helpful for you to go and see before you go into the cave. ”

Fang Ping was immediately overjoyed, and hurriedly said, "Thank you, teacher, teacher, do you have a granddaughter?"

Old man Li glanced at him, and only after a while did he say quietly: "Get out now, or ......"

Before the words fell, Fang Pingren had already run away.

......

Outside the Logistics Department.

Fang Ping shook his head and sighed, didn't I learn from Lao Wang?

Look at Lao Wang, how good the sycophants are, the teacher's daughter is so big, and she is all taken with her as a child daughter-in-law.

Old man Li is the pinnacle of the sixth grade, this sycophant is filmed, one day he will become a grandmaster, and he will be developed.

took out his mobile phone and called Li Chengze and talked about the platform's loan.

In fact, this simplicity is now aimed at demon martial arts students.

How many people are there in the Demon Martial Arts?

The school has the student's information record, and it is just a matter of adding a little function to the platform, and it can be done in a few days.

"It's a pity, the borrowed money is not considered wealth, otherwise, if I borrow 3,000 credits now, my wealth will directly exceed 100 million. ”

Fang Ping was a little regretful, otherwise, even if he opened the back door, he would have to get some credits for himself.

Just as he was talking to himself, Fang Ping saw several buses stop not far away.

Nanjiang's team is back.

......

"Fang Ping!"

As soon as Tang Feng got out of the car, he saw Fang Ping, who was about to run, and shouted softly: "Come here!"

Fang Ping was helpless and walked over.

"Who told you to leave early?

Tang Feng reprimanded, and said: "It's okay to run to the logistics department, don't make it difficult for Li Lao, I heard that you often get a little cheap in the logistics department, you are profitable, spread it, everyone asks for this, how should Li Lao deal with it?"

Fang Ping sneered: "I have a lot of trading!"

"That can't make it difficult for Li Lao, the exchange price set by the school is not something that Li Lao can change alone.

To tell you the truth, there are some gaps, which are personally subsidized by Li Lao, don't think that everyone in the world is stupid just by being clever!"

Fang Ping opened his mouth, but he didn't know what to say at the moment.

Tang Feng snorted lightly: "Okay, just know these things in your heart, and we will gather in the training building later!"

"Oh. ”

Fang Ping looked a little listless, did Lao Li Tou subsidize himself?

He also thought that Lao Li was in charge of the logistics department, and his power was amazing, and he was fat.

......

As soon as Tang Feng left, the others also got out of the car, and Fu Changding walked over and whispered, "Make an appointment with Zhao Lei at night?"

Zhao Lei also came over, his face turned black when he heard the words, and he looked at Fu Changding coldly.

Fang Ping, in the middle of the third grade, he is not an opponent.

But Fu Changding...... This guy is a little underwhelmed!

Fang Ping ignored him, temporarily suppressed the words just now, thought about it and whispered, "Are you missing credits?"

"Nonsense!"

"What if...... I said if, now I lend you credits, it's okay to borrow one or two hundred credits, are you willing to borrow them?"

As soon as these words came out, everyone looked at Fang Ping in unison.

The martial artist is already deaf and clear-sighted, and almost everyone hears it at this moment.

Seeing this, Fang Ping said: "Of course, I'm just giving an example, it's not that I'm going to lend it to everyone, it's the school."

I suggested it to the school before, but now everyone has a big gap and is at the peak of their progress.

You can't stop everyone because of the credits.

I also deliberately found the dean of them, and now the school seems to have this meaning, once the real school gives us credit in advance, we can quickly improve our strength, and our strength has improved, and I am afraid that the credits will not be easy to earn?

It is difficult for a first-class martial artist to earn 10 credits, but when it comes to the second-rank, what are thirty or fifty credits?

The second-grade earns 100 credits and can kill people, but when it comes to the third-grade or the third-grade high-level, it is not a casual thing.

If you have any ideas, you can tell me, and I will go and ask the school to mention them, I think there is a lot of hope. ”

"Fang Ping, are you serious?"

Yu Xianghua stood up and said contemplatively: "Can you really advance in advance?"

Fang Ping coughed dryly and said, "You may have to pay some interest in a small amount, such as borrowing 100 credits in advance, and you may have to repay 1 more credit every month." ”

"What is this!"

Yu Xianghua doesn't care!

Sometimes, everyone breaks through, and the difference is these 100 credits, and they really have to be borrowed in advance, and if they break through, is 1 credit a month considered a credit?

It's not a problem to just do a simple task.

In exchange for money, it is only 30,000.

Even Fu Changding and the others were interested, and said curiously: "Fang Ping, is there really such a thing?"

"Well, that's what the school is going to do, and I'm here to ask for everyone's opinions, and it's also for the benefit of all students.

So I went back and asked people to do a questionnaire, and if everyone really agreed, I would go to the school to negotiate. ”

"Okay, you!"

Yang Xiaoman said with a look of surprise: "You can now promote new policies in Mowu, you can!"

Fang Ping smiled reservedly: "Everyone is a classmate, you are stronger, the strength of the demon martial arts is stronger, we will do the task together, then it will be safer."

It is better to be happy alone than to be happy with all, and the strength of the individual cannot represent anything.

Seeing some of my classmates unable to make a breakthrough in cultivation because they were trapped in resource problems, I actually didn't feel good in my heart.

And as a member of our Pingyuan Society, I have also won additional benefits for everyone!"

Fang Ping glanced at the others, and pretended to be mysterious: "Let's Pingyuan Society, because we served everyone well before, the school means that we can lend our members a certain number of credits for free."

This is much better than others, and the Heiyuan Society is not recruiting people now, otherwise it will be able to break the threshold.

Also, the remote platform that we are responsible for next may do some activities.

For example, buy a three-grade qi and blood pill and give an ordinary qi and blood pill.

Or buy a C-class weapon and get you a self-defense dagger.

Don't tell anyone about these things for the time being, the school has limited things, let's buy them secretly......"

Everyone's eyes lit up, even Zhang Ziwei, who didn't deal with Fang Ping, came over at this time and said, "What you said is true?"

Fang Ping frowned and said, "I didn't tell you, talk to the people of our community, don't eavesdrop on people." ”

After that, Fang Ping said to Fu Changding: "Let's talk while walking, this is the welfare I have earned, don't take advantage of the old students." ”

Fu Changding and a few people followed, and Fang Ping whispered: "I got carried away just now, I shouldn't have said it on the old student's side, and if they spread it, then we will have fewer opportunities......"

As Fang Ping's voice came faintly, Zhang Ziwei and everyone glanced at each other, and after a while, Zhang Ziwei whispered: "Keep it secret!"

Everyone nodded one after another, the school has limited resources, and if they really want to buy a third-grade Qi and Blood Pill and give an ordinary Qi and Blood Pill as Fang Ping said, this is all extra money.

Everyone's consumption is not small, you can save a little bit and count a little, many times, doing tasks is a loss.

......

Everyone kept it a secret, but by the evening, the school had almost spread.

"Have you heard? The distant platform can exchange for pills, buy one get one free, and the price is the same as usual!"

"Really?"

"Why are you lying to you, remember to keep it secret, there are not many things, if someone knows about it, it will be robbed immediately. ”

"Definitely!"

......

"Do you know? The school allows us to borrow credits in advance and return them when they expire, but there are not many credits, and we still need to be qualified, and I don't know if we are qualified?"

"And this?"

"Well, I also heard from others, I heard that Fang Ping's Pingyuan Society can borrow credits, and no interest will be charged!"

"Why!" said someone unwillingly.

"Why else, I heard that Fang Ping went to suggest it to the dean, and the dean said that his suggestion was good, Fang Ping took the opportunity to say that the Pingyuan Society gave a lot to everyone, and often sent things to everyone......"

", I knew I would send it too, isn't it just a little bit of a road? What's a big deal, now all the cheap is taken by those people, by the way, can you still join the club now?"

"It doesn't seem to work, it's a pity. ”

......

On this day, the members of the Pingyuan Society were also happy in their hearts.

Some members who originally didn't get much benefit because they didn't have much income have all started to quit the club.

But now I know that the Pingyuan Society can borrow credits in advance, and they can borrow it for free, and everyone is happy.

Compared with others, the people of Heiensha do not have an advantage, and some of them have not yet become martial artists.

But once you can borrow credits in advance, you may be able to break through soon.

In the blink of an eye, the Pingyuan Society became popular, and the news of pre-borrowing credits and platform discounts was also popular.

......

At the same time, Fang Ping patted Guo Sheng's shoulder and praised: "Good job, when the club gets the business qualification, you can borrow at least 50 credits or more, free of charge, no need to use it in vain." ”

Guo Shenghan laughed, and said with some curiosity: "President, this is a good thing, why do you want to tell others?"

Fang Ping chuckled and said: "Martial artist, when you are dedicated to the public, selfish, and patronizing yourself, is that still a martial artist?" Guo Sheng, think about it carefully, don't go astray." ”

"The president is wise!"

The little fat man admires his face, the president is the president, and his consciousness is really high!

Fang Ping snorted, walked away, and took a look, what is fame and fortune.

Wait until the beginning of the next semester, when the new students enroll, and then fool a group of free laborers in, and the current batch will probably become martial artists, and there will be a time when they will be used in the future.