Immediately after the groundbreaking ceremony of inviting representatives of various countries and forces, merchants, magic guilds, thieves' guilds, and city dwellers, Higg, McCann, Saiya, Rogson, Snoring and more than a dozen veterans of the Fifth Legion excitedly participated in the groundbreaking, which was unprecedented and does not need to be detailed!

Hig, who has returned to Fuxing City for more than three months, is far away from the battlefield and the bitter cold land in the north, it is now the late spring season, Fuxing City has entered the rainy season, and the north has begun to bloom in spring, it should also be the season when all forces are ready to move!

Higg held a meeting in the council hall, and everything was in place in Fuxing City, and he, the lord of the city, had come back for a vacation, and he knew that news of the war would soon come.

"Denilson, I want money!" Higg said bluntly, "Marshal Montgossar of the Fifth Legion needs a batch from there, and I also need a batch from my Silent Forest Base Camp, and I need at least 10 million gold coins!" ”

Denilson didn't sell Guan Zi again this time, and said, "City Lord, I'll give you 30 million gold coins, as long as you can take them!" ”

"Thirty million gold coins? Are the days of revival gone? Higg was surprised, "How much money do you have?" ”

Charlie smiled: "Lord City Lord, although I don't care about money, I know that Fuxing City has at least 10 million net income every quarter, and Lord City is worried that we will have a good time?" ”

"I have 50 million gold coins to be active now!" Denelson said proudly, "Lord Castle, I'm afraid you won't be able to move those boxes of gold coins!" ”

"Fifty million gold coins!" This time, even Lan Xian'er was taken aback, "Where is the money?" ”

"In the vault, of course!" Denelson said triumphantly.

"Hmph, they all say that Lord Denelson is a master of financial management, I think it's very ordinary!" Lan Xian'er sneered.

Denilson asked dissatisfiedly, "Miss Blue Fairy, where should the gold coins be placed if they are not in the vault?" ”

"Although Fuxing City is good and prosperous, the only thing that is lacking is the merchants who make money!" Lan Xian'er said, "Is fifty million gold coins a lot?" I walked around the city, but I didn't find another money bank or pawnshop! ”

"Money bank, pawnshop?" Everyone was amazed.

"Let's start with the simpler one, the pawnshop!" Lan Xian'er said: "The so-called pawnshop is to provide convenience for people who need money urgently, they can use the item as collateral, the pawnshop allows the guest to mortgage the item in the pawnshop with gold coins lower than the market price of the collateral, and gives the guest a certain time limit to redeem their own things, if the guest redeems his item within the specified time, the pawnshop will charge a certain fee, if the default is not redeemed, then the item will belong to the pawnshop!" This is a sure-fire deal, of course, it requires a lot of capital investment in the early stage! ”

"Is this okay?" Higg asked, "And how do you determine the market price of an item?" What items can be used as collateral? ”

"Of course, pawnshops need to train some appraisers to evaluate the items." Lan Xian'er smiled: "What items can be mortgaged?" That's a lot, the small ones have ornaments, handicrafts, calligraphy and paintings, and the big ones have houses, land, carriages, horses, and ships, and if they are bigger, then even the army and the state can mortgage them, hehe! ”

"The army, the state can also invest?" Everyone was amazed.

Everyone fell into contemplation, this is indeed a profitable business, especially in this turbulent period of civil strife, gold coins are king, and the various collaterals of customers who are in urgent need of cash will also be mortgaged to pawnshops at prices lower than usual, most people have the luck psychology of being able to redeem, but in fact, many times the living pawn will become a dead pawn, and the pawnshop will slowly sell and digest these collaterals to earn a huge difference, which is simply a circle of money.

Higg said, "That's a good idea, Denilson, you can figure it out!" This investment is indeed not small, and it must have a strong force! ”

"Don't think things so simply, in addition to capital investment, you also need a systematic operation mechanism and a large number of professionals!" Lan Xian'er smiled: "The pawnshop is still a small amount of money, if the city lord and Lord Denilson are not too much, I suggest opening a money bank!" ”

"Is it more profitable?" Higg was even more curious.

"The money bank is to let customers deposit money in it, which can be withdrawn at any time, but there is a certain fee." Lan Xian'er said with a smile, "There are too many rich people in the residents, and in the era of turmoil in the array, it is not safe to put it at home after all, so it is possible to absorb everyone to save money in the bank." For example, if you deposit money at the money bank in Fuxing City, you can also use this ticket to withdraw money from the money bank in Misland City, so that guests don't have to laboriously transport gold coins from Fuxing City to Misland City, and you can avoid danger on the road! ”

"In other words, if the merchants of Shenlong Island earn gold coins in Fuxing City, as long as they hold the money banker bill, they can get gold coins in the money bank on Shenlong Island, and we charge a certain handling fee, right?" Higg asked!

Lan Xian'er said: "This is just to make a small amount of money, and the real money-making model of the money bank is to lend. The model of lending can also be said to be a pawnshop model, but it is not exactly the same. Pawnshops need a mortgage to get gold coins, and those who take things are small businessmen or small citizens after all. The lending model of the money bank does not necessarily require physical collateral, and the loan can be given according to the creditworthiness and the interest can be charged! For example, the city lord of Fuxing City, I don't think he needs a physical mortgage, he can borrow 10 million gold coins from me with his personal reputation and identity, I am not worried that he will not repay me, because his identity and reputation are his best collateral! ”

"This circle is too big, credibility is such a thing, can it be trusted?" Higg asked.

"If the money bank is run well, it will not only make money, but also reputation!" Lan Xian'er continued, "All the people have benefited because of the money bank, which has indirectly helped all the people, and the exchange of the citizens' scattered funds is itself cultivating credibility!" The operation of the bank also needs upfront investment, because it is necessary to let people know the ability of the bank itself to withdraw money at any time, and people will deposit! Of course, if the development of this model is fixed, the money bank's funds will not use their own principal at all, and they will lend with other people's deposits, and make money on both sides, which is simply money to make money! ”

Everyone fell into contemplation again, and slowly digested the business model that Lan Xian'er said.

After a while, Lan Xian'er saw that everyone's faces were gradually softening, and then she said to Denilson: "Lord Denilson, do you still think that fifty million gold coins is more than fifty million gold coins?" How big can you use these gold coins to open a pawnshop and a money bank? If the stall is too small, the money bank cannot be opened in various places, and how can you make a lot of money only by absorbing deposits? ”

"Miss Blue Fairy!" Denilson swallowed his saliva and said, "Although this model is good, it is too risky in the early stage, and everyone may not accept it, I want to open a pawnshop and a money village in Fuxing City first, of course there is no problem with the pawnshop, the money bank just absorbs deposits first, tries to run for a while, and then sees the effect." ”

"Denilson's beating finally feels like he doesn't have enough money to spend, right?" Lan Xian'er said, "If the Qianzhuang model can't be launched as soon as possible and only run on a trial basis in Fuxing City, then when people are scrambling to follow suit, how can you occupy other local markets?" ”

Denilson was sweating profusely and said: "Open a pawnshop first, and then open the money bank mode after half a year, at that time, the pawnshop can recover part of the funds, plus the income of Fuxing City, it can basically be expanded!" ”

"That's what I mean, and I can even push it back a bit!" Lan Xian'er said with a smile, "It is indeed too difficult for adults to let a city with only more than three years of experience in Fuxing City establish a money system, but fortunately, adults have already done a good job." I just want to tell you that you can make more money with money, and never worry about more money, so that one day, Fuxing City can destroy a force or even a country without an army, which is definitely possible, but I believe that Fuxing City will never do this kind of discredited thing. Even if we don't destroy other countries' countries and forces, relying only on the pressure of Qianzhuang can paralyze a country's economy. But we won't do that, we'll just make the forces develop in a direction that is friendly to Fuxing City, and it's not difficult! A strong army can be an empire, and if there is more money, it can be called an empire, and if the money village in Fuxing City does well, you might as well make a money empire! ”

All the people are secretly frightened, although they can't fully understand it, but relying on Qian Zhuang to go deep into various forces and control the economic lifeline of various places, although it is not necessary to destroy the country, but there is indeed a possibility that the forces will obey their words!

"Fifty million gold coins, just a small amount of money! Hahaha! Lan Xian'er laughed.

Higg asked, "Blue Fairy, even if we seize the market first, but then others will follow suit?" It's easy to say in Fuxing City, but in other spheres of influence, under the same conditions, we don't have an advantage. ”

Lan Xian'er said with a smile: "Don't be afraid, in other places, we don't compete with others, we fight for whoever has more money, if they follow suit, then we will reduce the cost of deposits, or cancel residents' deposits or even discount interest, and also reduce the interest on loans!" In short, we always have to be one step ahead of others, and then it will be up to us who can drag down whom, who has more money, and who has the advantage! dragged down the other party, no matter how to operate, we still have the final say! ”

"Look at the way people make money with Lan Xian'er? Much more magnificent and civilized than you who run brothels, gambling houses, and taverns! Nicole laughed, "But let me declare first, I am not allowed to open a bank in my alchemy country, I want to open it myself!" ”

Lan Xian'er smiled: "Our future Queen Majesty is really thinking about her country everywhere. Captain, do you want to raise the power of the Alchemy Kingdom against a small Fuxing City? Why doesn't the captain want to think about cooperation? ”

Nicole said: "If Fuxing City opens the money bank mode now, how much money is missing?" ”

"I really should call you Her Majesty!" Lan Xian'er said with a smile, "If Qian Zhuang's activation mode is to be turned on immediately, it will be in a month and a half. Fuxing City will pay 30 million, if the Alchemy Country can give 70 million gold coins, we agree to share the profits of all the money houses in the world with 55% of the Alchemy Country! ”

"Seventy million?" Nicole said angrily, "Sanqi's investment is fifty-fifty, do you think I'm crazy?" ”

"These two modes of mine are worth 40 million!" Lan Xian'er said, "You can run the pawnshop yourself, but the money bank must be associated all over the world, Your Majesty, you don't suffer!" ”

"But don't forget, I still have the credibility and power of the entire country behind me to support the operation of Qianzhuang, relying on the power of Fuxing City, when will the Qianzhuang model be fully launched?"

"Then Fuxing City can only give 30 million, Your Majesty Nicole, how about you give 60 million?" Lan Xian'er said.

Nicole gritted her teeth and said, "Okay, give me a month, and I'll go back and persuade my father that even if I smash the pot and sell the iron and sell the palace, I will make up the 60 million!" With you, the discoverer of the square tower, as a guarantee, I don't worry that my father won't agree! But you have to promise that if you want to invest more in the future, the two must be treated equally! ”

Lan Xian'er smiled: "Of course! ”

Everyone was stunned, the money bank mode had not yet started, the two women were bargaining, completely ignoring the people in the conference room, and even Xige, the city lord, could not interject, it was simply two queens negotiating a treaty between the two countries!

"Haha!" Higg laughed and said, "Nicole, don't worry, I haven't suffered a loss in business?" ”

"What's the matter with you? Although I never suffer a loss when I cooperate with you, you are the one who makes the most money! Nicole said angrily, "I'm strange, Lan Xian'er hasn't married you yet, everyone is a friend, why do you want to hack my alchemy country and give you her model for nothing, but I have to spend tens of millions to buy this model!" ”

Higg and Blue Fairy were immediately embarrassed, but Nicole was right, Blue Fairy herself was not from Fuxing City, nor was she a subordinate of Higer, so why did this model become a patent for Fuxing City?

"Nicole!" Higg said, "I am in a difficult situation now, so each family still pays 45 million, but I need to borrow 15 million from you, and in three years, I will pay you back 20 million with interest!" ”

"Hey, hey!" Nicole laughed, "Even if you agree, Blue Fairy may not agree!" I'm thinking about you everywhere before you even pass the door! ”

Lan Xian'er also said embarrassedly: "This is Fuxing City, or the city lord has the final say!" ”

Nicole said with a smile: "Lan Xian'er, forget it, the alchemy country can afford this money, count me as a dowry for you!" If you get married, my alchemy country will be your mother's family! If anyone dares to bully you, they will not be able to get along with my alchemy country! Nicole said, smiling and staring at Higg, "Tell me about the specific plan, so I can go back and report to my father!" ”

The ups and downs of the negotiation are as wonderful as telling a story, so that the participants finally breathed a sigh of relief, no one thought that the Qian Zhuang model was finally opened in cooperation with the alchemy country, although this lost part of the benefits, but it was backed by the power of a big country, which was indeed very beneficial to the development of Qian Zhuang.

……