Tourism, that is a tentative industry, whether it can really make money, even Niu Daren, is not sure, but the new addition of 500 catering and entertainment venues, must be profitable, if the film and television industry can really develop, maybe it is not a matter of only making a little money, it can become another pillar industry for them, hearing Niu Daren say that there is a resolution, everyone's eyes are round, presumably this is what Niu Daren wants to say the most.

"Over the years, I've been thinking about a question, whether it's our pill shops or magic weapon shops, low-grade pills and magic weapons account for about eighty percent of our turnover, I don't know if you have ever thought about a question, what do cultivators in the cultivation realm want? Is it a low-quality pill? Or is it a magic weapon that we treat as garbage?"

After listening to Niu Daren's words, everyone present wondered, what did the cultivators want?

"Brother, don't sell it. Ao Dongting said.

"A magic weapon, even if it is a top-grade magic weapon, is only a dozen top-grade spirit stones, and a low-grade treasure weapon, at least a thousand, according to our most ordinary employee, if you want to buy a treasure, I am afraid it will take more than five hundred years, but have you ever thought about what five hundred years means for a cultivator? If a cultivator has a treasure, what does it mean? His strength will be greatly enhanced, and after he has strength, will he be able to gain more benefits? After obtaining benefits, will he be able to consume more? Will our income be greatly increased?

Lynch looked at Niu Daren, "I don't have any opinion on what you say, if a cultivator's strength increases, they can go on an adventure, and their income will naturally increase greatly, the key thing is, who can give them a treasure weapon for nothing?"

"Brother, don't you want to give the treasure to others for nothing, right?" The others also began to be a little worried, Niu Daren wouldn't really have a hot head and start doing charity, right?

Niu Daren smiled, "Don't be nervous, I'm not that generous, but I have thought of a way to let those cultivators who can't afford to buy treasures and high-grade pills for the time being be able to get treasures and high-grade pills, and it will bring us huge benefits." ”

"What's the way?" asked Ao Dongting.

"Loans. ”

The word "loan?" is not unfamiliar to them, but the loans in the cultivation realm are all for those who have strength, and they must be guaranteed by a guarantor, and the property can only be loaned out by a mortgage.

Niu Daren nodded and said: "Yes, I'm talking about loans, I have checked some information, and found that in the history of many planets, there have been loan consumption patterns, such as housing loans, car loans, etc., why can't we follow these historically successful consumption concepts?"

"I've also heard of this, mortal planets, there are many such consumption patterns, but mortals are very limited, at least they can't leave their own planets, but cultivators are different, what if they run away?" Qiu Motian said.

"This is not to worry, first, we have a fifty percent down payment, even if we run, we will not lose a lot, second, we have no money to lend to them, and it is not our business whether to run or not, however, I think, I am afraid that few people have the courage to deceive Cloudsdale and Xuanyin Pavilion. ”

"Big brother means to cooperate with Cloud City and Xuanyin Pavilion?"

Niu Daren nodded, "About this matter, I have thought about it for a long time, at present, we do not have the strength to start a bank, so we can only cooperate with them, but they should also be happy to accept it, after all, they will not miss this opportunity to make money, nameless, you go and contact these two first, don't talk about cooperation for the time being, let's find out, when the time is ripe, we will start to do it immediately." ”

"Okay, I'll take a look. ”

"Brother Qiu, Brother Lin, you can't be idle over there, from now on, you will no longer accept the business of spiritual weapons and top-grade pills, and make every effort to build middle-grade and lower-grade treasures and middle-grade and high-grade pills, treasures are mainly attacking magic weapons, and pills are mainly based on Yuan Force recovery and trauma treatment, as for magic weapons and lower-grade pills, don't waste masters to build, there are many good seedlings in the Xiuzhen School, you send some people to cultivate, just leave these things to them, and immediately hire a master of practicing weapons and alchemy masters with high salaries from the outside world, and you must ensure that the output of treasures and medium-grade pills will be tripled." 。 ”

Although they felt that Niu Daren's move was a bit risky, Qiu Motian and Lynch still nodded and agreed, and Ao Dongting has always looked at Niu Daren's horse.

"Let me say it again, in ten years, in addition to the investment in the tourism, catering and entertainment industry, and the film and television industry, the four of us will not distribute profits for the time being, and all the funds will enter a unified account, which will be operated by an unknown host, Brother Lin, Brother Qiu and Brother Dongting, you will send someone to supervise, no one may embezzle a penny without permission, and my Xiuzhen School will not embezzle a penny from it, please properly arrange the affairs of the Gangzhong. ”

"Okay, we'll all listen to you. ”

"Lao Xie, Lao Dong and Lao He, the three of you, hurry up and get things done, other managers can't be idle, you all go to the big and small sects and families in the cultivation realm to walk around more, and develop them into our customers, as long as they are customers you pull, I will give you a commission of three percent, if you want to make more money, you have to pull more people, tell your brothers, as long as the employees who contribute to the company, I Niu Daren will never treat them badly." ”

Niu Daren's words are very infectious, mainly because they support Niu Daren, in the cultivation realm, these employees who work for Niu Daren not only have the highest salary, but also have the shortest working hours, working here in Niu Daren, not only do you not have to worry about arrears of wages, but also don't worry about not having time to cultivate, Niu Daren is very thoughtful for them.

In fact, there was no discussion in the whole meeting, as if they were arranging work, Niu Daren is really very leadership and business acumen, it is difficult for others to question him, even if Qiu Motian and Lynch have some opinions, they dare not say, first, because they do not have Niu Daren's vision, and secondly, because everything they do today is from Niu Daren.

After the meeting, Niu Daren and Mencius said hello and left the Daren Gynecology Department, and then he only had to wait.

In the blink of an eye, five years have passed, and in the past five years, not only have not a penny been paid, but for the development of the film and television company, 250 million has been taken out, and the pressure is getting bigger and bigger, and Niu Daren's pressure is naturally not small.

Although each manager has brought a lot of orders for the company, and the annual income seems to have increased a lot, due to the large number of production of treasures and mid-to-high-grade pills, the investment is too large, and the sales volume of these treasures and mid-to-high-grade pills has not increased significantly, while the magic weapons and low-grade pills that are in the greatest demand in the cultivation realm are often out of stock. In just five years, they had to pay out of their own pockets to make up for the shortfall.

One day, several giants gathered together.

"Up to now, the total value of our backlog of treasures has reached 36.3 billion, 37.5 billion for mid-to-high-grade pills, 46.2 billion for total loans, and the four have invested a total of 2.7 billion, including 350 million for the Ten Thousand Beast Villa, 690 million for the Instrument Sect, 730 million for the Medicine King Valley, and 930 million for the Great Ren Gynecology, which is probably that. ”

After listening to Lulu's report, Niu Daren nodded and said, "Brothers, how much money can you take out there?"

Ao Dongting looked at Qiu Motian and Lin Qi, then looked at Niu Daren, and then said, "I really don't have any money." ”

"I can't take much out of it. ”

Qiu Motian also shook his head and said, "I'm gone." ”

Niu Daren clasped his hands on his chest, leaned back on the back of the chair, and did not speak, but the others did not dare to disturb him, so they could only wait quietly.

After a long time, Niu Daren finally said: "Ten Thousand Beasts Villa will take out another 100 million, 200 million each from the Instrument Sect and the Medicine King Valley, and the Xiuzhen School will temporarily stop all construction work, and bring back all the funds, it should be able to raise three or four hundred million, and go to the bank to continue to borrow money without a name, and all the work must be ensured to proceed normally." Nameless, three months later, give me an appointment to meet with the deputy alliance leaders in charge of the economy of Cloud City and Xuanyin Pavilion, and I will have an interview with them. ”

Niu Daren didn't discuss with them, it was almost an order, Ao Dongting and the others did not refute, although they were worried that this was a bottomless pit of dissatisfaction, but they could only obediently go back to raise money.

One day three months later, the most luxurious Yunteng Hotel in the Xiuzhen Realm, the top floor was not open to the public, and all of them were reserved by Niu Daren.

At noon, Niu Daren, Ao Dongting and others arrived, and then a few more people came, all of whom were high-level economic leaders in Cloud City and Xuanyin Pavilion.

"I have invited you here today, not for anything else, but for cooperation and common interests. Presumably, Nameless has already talked to several people about cooperation, I wonder what you guys think?"

"Forgive Wei Xiang for taking the liberty of talking to Mr. Nameless a few times about this matter in the past, but the risk is too great, and we must conduct a strict evaluation of the lender. "The first to speak is the deputy city lord of Cloud City, who focuses on the economy.

"What Deputy City Lord Wei Xiang said is that a person's ability to repay the loan really cannot be underestimated, so we use a high down payment for individuals, while the family and the sect are relatively stable, and the down payment ratio can be reduced, so that a lot of risks can be avoided. ”

"Even if the personal loan ratio is adjusted to 50% according to what Mr. said, we still have to bear 50% of the risk, if the lender can't afford to repay, or the deadline has arrived, and the catastrophe fails, and we can't collect the debt, what should we do about this loss?"

"When Mr. Hao said this, I felt a little puzzled, personal loans are implemented in the family system, if someone has reached the time limit or the catastrophe has failed, can his family members all die together? Although we only recover the principal of the deceased, but as far as I know, most of the early repayment is interest, where do you get the loss?"

"That's not okay, this risk can't be borne by ourselves, are you just borrowing chickens to lay eggs, and we don't have to cooperate with you, the Infinite Sword Domain and the Holy Medicine Hall are also very interested in this loan model. ”

Niu Daren already knew that this was the real thing they wanted to say, so he smiled, "What do you mean, I seem to understand, even if we talk about it today, you shouldn't care, of course, this is just my personal understanding, in this case, I might as well tell you the truth, I now have more than 100 billion commodities in my hands, if I throw them all out at cost price now, what will be the consequences, and if I only need cash, what will be the consequences?"

"Sir, do you want to break the net with us? Please don't forget, Sir, you still owe us close to 50 billion, and if you really do this, you will also go bankrupt. ”

"Bankrupt, do you think I'm going to do something I'm not sure of? Nameless, show them the loan contract. Then, Niu Daren stood up, and said as he walked: "According to the constraints of the contract, my repayment time is fifty years, and the annual interest is one thousandth, and the interest of 50 billion is 50 million per year, just 50 million, and I can still take it out, but I can guarantee that in less than a year, your spirit stone bank will be at least 100 billion in cash, and you will be better off without this 100 billion spirit stones?" And I also told you, if you dare to threaten me again, I don't care if there is one more spirit stone bank in the cultivation realm, Niu Daren is not talented, but he has also done something for the cultivators in the world, I am afraid that the spirit stone savings industry, you also have to give me a piece of the pie. ”

Cloud City and Xuanyin Pavilion didn't expect that this Niu Daren would be so strong, but Niu Daren's social status has soared since he founded the Correction School, and if he really wants to open the Spirit Stone Bank, it will really put a lot of pressure on them, especially in the case of targeting.

"Mr. Daren, it's not us who threaten you, there is really a lot of risk in this, Mr. can't just let us take all the risks, right?" That Hao Daqing's attitude first eased.

"It's almost the same as talking like this, what do you want to do over there in the Infinite Sword Domain and the Holy Medicine Hall?"

"They're willing to share the risk with us with five percent, and if something unexpected happens, we'll return the rest to them after deducting the principal. ”

Niu Daren nodded and said: "This is indeed very reasonable, then we will pay ten percent, two of which are your risk return, in this way, you don't have any worries?"

"No, absolutely none. These people never dreamed that Niu Daren's shot would be so generous, in fact, there was not much risk, Niu Daren actually gave them two points for nothing, I really didn't expect it.

Soon, they signed the contract, Niu Daren let Lulu do a large number of advertisements in major media, and in less than a year, a new era of shopping has finally arrived.

To be continued