There were only Young Master Ni and Liu Yuexi left in the room, and Yuexi said very seriously: "Young Master Ni, the play has been set up, I asked Ah Yong to do this just to cover the eyes, even with the support of Barak and Linmei, after all, this is all hooligan methods, it won't last long, and the movement is so big that it is to make Hongtai's people tired of coping, so as not to pay attention to you, is the method you told me yesterday reliable?" ”

Young Master Ni settled down, and said very firmly: "Brother Yue, this poor savings model of small deposits and lump sum withdrawals is not something I came up with on a temporary basis, someone has really done it before, but that guy is a liar, he finally adopted the method of lottery with a savings number to attract depositors, of course, this cannot last long, I have been thinking about improving this model, in fact, the current money village pawnshop bank is only for large customers with strength, and is not at all disgusted with absorbing the money of small depositors, but the number of civilians and even homeless people is large, even if there is a star bead per person, The entire Ten Towns area, with nearly nine million people, is quite impressive. ”

Yuexi thought about it and was still not at ease, "Those big banks don't open small businesses, I think it always makes sense, there must be risks that we don't know, I don't think we can treat others as stupid, only why are we the smartest, others must have thought about it, maybe there are risks in it that we didn't expect?" ”

Young Master Ni obviously expected Yuexi's worries, and continued: "Brother Yue, you are really a cautious person, let me explain, as far as the current banking system is concerned, it is necessary to rely on the Enchantment Tree World Tree to complete the exchange of financial data in different places, you know that the communication costs between the Enchantment Tree are extremely expensive, so the big banks and big money banks have reduced the amount of meaningless data as much as possible, and the biggest problem for retail investors is frequent transactions, for example, a depositor may take 3 beads in Emerald Town today, and deposit 5 in Harbour City tomorrow, It may be that the day after tomorrow will be taken out in Wangjing, and the amount of data caused by such frequent remote access will definitely be at a loss, and no matter which bank it is, it is not willing to do loss-making transactions. ”

Yuexi nodded, and asked again: "I understand what you said, the unit cost is high and the profit is low, so how are you going to effectively reduce the cost." ”

Young Master Ni smiled and said: "I also had the inspiration when I handled the enclave development bonds, Hongtai took away the control of the Chunya pawnshop, we can't let Hongtai issue enclave bonds for us, and we can't grab it back in a short time, I wondered, can we use the way of fractional deposit and withdrawal to issue enclave development bonds in disguise, we take ten star beads as a basic unit, with a deposit period of 1 year, 2 years, 3 years, and 5 years as the standard, and use part of the enclave as a savings reward, Pay different amounts of rewards according to the amount of deposits and the length of time of deposits, so that you can absorb a large amount of savings with only a very low interest rate, and as far as I know, the bottom civilians especially believe in enclave bonds, I checked the past records, the interest rate of enclave bonds is really not high, but there has never been a case of unsuccessful fundraising, it can be seen how optimistic the enclave development is in the minds of civilians, so Brother Yue, you don't have to worry about depositors will suddenly run on deposits. As long as the enclave is there, they will believe it, and this is simply a natural credit guarantee. And I'm going to do targeted publicity, the matter of your communication with Red Cloud in the enclave has already been spread, and I plan to use this to build momentum. ”

Hearing this, Yuexi couldn't help but gasp, this kid is going to open a big bank, he really dares to think, his ambition is greater than him Liu Yuexi, and asked: "As far as I know, there are requirements for opening a bank, so easy, just the settlement center, according to the requirements, you have to settle in Harbour City, Wangjing, and Emerald Town, where can we do it." Even if I did, I couldn't afford to pay the data transfer fee for a month. ”

The more Young Master Ni spoke, the more confident he became, he had already considered this problem, "Brother, you don't have to worry about this, what I want to open is a border bank, and I never thought of making the business so big, our goal is to go to the remote areas of the ten towns to set up savings banks to absorb savings, and then let Brother Yue You have the money to develop the enclave, Brother Yue, our bank will only have one loan business, and that is you." This doesn't require buying too much data transfer. We just need to open the head office in Emerald Town, Harbour City and Wangjing to make a show, I have already contacted my father, this time he is willing to help me, my main thing to do is to go to Baduzhen, Jianlin Town and other small places to open branches, and set up the signboard of Red Cloud. ”

Yuexi sounded like a joke, but she was still a little worried, "Then what if the depositors really want to use the money, don't care about the interest and the benefits of the enclave, and withdraw a large amount of deposits, the data transmission fee is very expensive, especially in these border areas." ”

Young Master Ni smiled when he heard this, "Brother Yue, you are from a hard background, don't you know what a poor person looks like when he saves money?" There must be a small amount of withdrawals, but it is not easy for civilians to save ten beads, you let them give up the interest benefits, that is, to cut their flesh, how can they be willing to give it, and I am a border development bank, I am ready to use the most traditional manual payment method to complete the main data settlement, although slow, but cheap, do not do real-time settlement business. Believe me, Brother Yue, don't dare to say anything else, our bank is definitely the most cost-effective bank in the world, and it will also be the bank with the most single business. ”

With Yuexi's poor financial knowledge, he couldn't think of a reason to refute it anymore, gritted his teeth, and put his mind down, "Okay, just listen to you, let's open a big bank." So what does it take me to do? ”

"Approval, Brother Yue, our bank is very special, with the income of the enclave as part of the interest, which requires a special approval from the HKMA, otherwise it is no different from a liar, my father will find a way to lend us the capital, but the approval can only be obtained by Brother Yue, this is very difficult, difficult." Young Master Ni laid out the most difficult questions.

Yuexi closed her eyes, clasped her hands, sat on the chair, her thumb rotated rapidly, and suddenly opened her eyes violently, "Okay, beg, I'll go, don't worry, I just hugged Uncle Situ's thigh, sold my face, and got you the approval." ”

When Young Master Ni heard this, his eyes were brighter than he had ever seen, just like a beast seeing his favorite prey, he took out the documents that had been prepared a long time ago and handed them to Yuexi, and said, "Brother, I have prepared all the relevant documents, you just need to find the corresponding way." By the way, our bank doesn't have a name yet, Brother Yue, you are the majority shareholder, give it a name. ”

Liu Yuexi was very excited when he heard it, since he won the enclave, his life has really undergone a huge class shift, first he became a doctor, and then Hongyun was able to live and communicate with him, and he also had his own private army, although it was still a prototype, and now he actually wanted to set up his own exclusive development bank, everything was like a dream. Yuexi thought about it for a while, this bank exists for the development of Red Cloud, and it is jointly owned by Young Master Ni and him.

"Let's call it Hongyun Xixi Border Development Bank. Let everyone understand its origin and meaning at a glance. Yuexi was very happy with the name she had chosen.

Young Master Ni seemed to have a different opinion, and Du Nuo said: "I originally wanted to call the Red Cloud Reserve Bank, forget it, Brother Yue, you have the final say." ”

Yuexi patted Young Master Ni's head, Young Master Ni shrank alertly, and the two of them were happy as if the matter of opening a bank had been completed. However, things must be done quickly, and they have to be hidden, Yuexi reminded Young Master Ni to pay attention to safety and not to go to the plague-infected area. I hurried back to Liu's mansion, and as soon as I arrived at the mansion, the knife was ready, and Ziyue was packing her luggage for Yuexi. "You're going for a few days this time." Ziyue was reluctant to let Yuexi go far away.

"Alas, it's not good to say, it may take some time, there are a lot of things, the advanced awakening of the knife, the plague, and the two things that Uncle Situ is asked to do, it is not easy. It may take some work. "Yuexi didn't want to go, but there was no way.

Ziyue covered the suitcase and put it on the ground, "Then be careful yourself, don't drink too much, pay attention to rest, and come back early."

Yuexi hugged Ziyue, the two of them refused to let go of each other for a long time, Yuexi said softly: "Wife, I'm going, you stay at home, take care of my mother, watch Ziling, don't let your father see Ziling these days, Ah Yong and Slip I also said here, anyway, I want to play some hard recently, and he is not bad one, if he dares to play tricks, let Slip and Ah Yong give him some ruthlessness, everything will wait for me to come back." ”

"Well, I wrote it down, I listened to you." Ziyue nodded in agreement.

The two said goodbye, and then Yuexi quietly went to the rune station with a knife to meet Zhang Zi and Zeng Yi, and the four of them embarked on a journey to Wangjing.

In the dilapidated Holy Light Church in Longsai Village, Baduan Town, a group of Chaos Shinrikyo believers wearing gray robes are holding a ceremony, the original square Holy Light Podium has also been removed, the stained glass behind the church that can transmit light has been deliberately covered with a thick curtain, and the Holy Light Mark has also been removed, replaced by the statue of the Quetzalcoatl God Naga Kurkan, the original solemn and bright church has been transformed into a dim and depressing, if such a scene is seen by the Elder of the Magic Guide Shawl of the Wangjing Holy Light Academy, I believe that it will definitely anger the flames of the Holy Light to burn this place, this is a blasphemy of the Holy Light.

But this is meaningless, such a remote area as Longsai Village has long been forgotten, the tour of the church has not been here for ten years, and it is impossible for any elders to come to such a small place, the original pastor of the church, Li Lin, has been reporting to the Holy Light Holy See for many years about the bad situation in Longsai Village, but unfortunately his request for help has never been answered, and he may not even have expected that the nearly 100 petitions he submitted were faithfully selected by the secretary and thrown into the wastebasket, without exception.

The original firm, fervent faith was struck again and again, extinguished, and even distorted, Li Lin despaired, he was especially skilled in reciting the teachings of the mentor back then, those words and scriptures with divine brilliance made him extremely longing back then, and made him extremely desperate now, here needs to change, the Holy See must be overthrown, yes, he put on a golden feathered mask representing the god Quetzalcoatl, wore a scarlet robe, stepped on the high platform in front of the triangular altar, and the believers offered their own sacrifices, prostrate on the ground reverently, Waiting for Li Lin to distribute them the divine water that can cure the plague, all of them chanted over and over again: "In the true name of the almighty Quetzalcoatl of Chaos, all praise be to Naga Kulkan, Lord of the worlds, here, your believers sincerely pray, unbelievers polluted the earth, please send down the true calamity, throw the enemy into the flames, and lead your followers to the ultimate paradise." ”

During this period of time, the Chaos Truth Cult, which was originally hidden in the shadows, changed its low-key style in the past, and used the divine water in his hands to bewitch the sick civilians, and many of the desperate civilians regarded the Chaos Truth Cult as a great savior for the world, and the number of its members expanded rapidly.

"There must be something wrong with the divine water in his hand, and I will pretend to get one after a while, so that I can take it back to show Master Yu." It was an inconspicuous young man who spoke in a low voice, and he got up and followed the team to receive a so-called divine water.