Otherworld Management Manual

"Otherworld Management Manual (!

Hongye City, the City Lord's Mansion.

Zhang Feng looked at the date and felt that the mice should be coming soon.

Regarding the orc kingdom on the other side, Zhang Feng can only be regarded as hearsay. He doesn't know what it looks like and whether the plan he made will work.

He can only hope that the mouse Daqiang and the others go well. In the early stage, Zhang Feng did not seek any useful information, as long as he could gain a firm foothold.

While thinking about the countermeasure, suddenly, the cat ear girl trotted over in surprise.

"Master, there is news from Daqiang Rat!"

Recently, seeing that Windsor has nothing to do, Zhang Feng handed over the work of liaising with the mouse to the cat-ear girl.

Cat Erniang is naturally willing, as long as she can help Zhang Feng, she will be very happy.

No, she felt even more excited than Zhang Feng when she heard the news of Rat Daqiang.

"What did you say?"

Zhang Feng rubbed Windsor's hair and asked with a smile.

"Well, it's all here!"

Cat Er Niang took out a piece of parchment with the call records on it.

Zhang Feng looked at it carefully, but after reading it, his face was a little weird.

This is not what he thought!

The orc kingdom is more barren than he imagined. Of course, it may be because the Danga Kingdom is relatively remote, but Daqiang Shi estimates that, except for the Heavenly Wolf Empire, the other kingdoms there will not be too strong even if they are stronger than the Danga Kingdom. many.

Because the resources of the orcs there are monopolized by the Heavenly Wolf Empire!

Zhang Feng suddenly had a flash of inspiration. He seemed to have guessed why the Heavenly Wolf Empire was going to engage in a national war once every ten years, because the resources were not enough!

Assuming that the total number of resources there is fixed, the fertility rate of orcs is strong, and there are no emergency measures, the population of orcs is increasing.

Then the resources will definitely run out of points gradually. When there is no way to obtain more resources, war is obviously a better means of consuming manpower.

Of course, the Heavenly Wolf Empire is so powerful that it is naturally impossible to consume itself, so let other countries fight!

"How cruel!"

Zhang Feng sighed, he felt that his guess was very possible.

If this is true, then I have to say that the emperor of the Heavenly Wolf Empire is a hero!

"However, if this is the case, can I change my mind..."

Zhang Feng frowned and thought.

Cat Erniang obediently stood by, staring at Zhang Feng curiously, not knowing what he was thinking, his face kept changing.

Zhang Feng thought very simply, since the Heavenly Wolf Empire and other kingdoms over there are in opposing positions due to resource reasons, can Zhang Feng differentiate their relationship?

One or two ordinary kingdoms are definitely not the opponents of the Sirius Empire, but if all the kingdoms are together!

It's impossible to say.

However, Zhang Feng also thought that if he can think of the issue of small countries uniting, then the other party can think of it, but no one is uniting against the Sirius Empire, which means that they may know, but there is no way to unite, after all You can't guarantee that someone will betray you.

In other words, they tried together, and then the resistance failed, which is also possible.

No matter what kind of possibility, it is a difficult challenge for Zhang Feng.

But that's what makes sense, doesn't it?

Then back to the matter itself, since many resources in these orc kingdoms are relatively scarce, then he can provide corresponding resources and exchange resources for intelligence.

Even more things can be exchanged.

If he could disintegrate the opposing orc kingdom and defeat the Heavenly Wolf Empire effortlessly, then Zhang Feng would wake up laughing from a dream.

Soon, Zhang Feng made a plan.

Improving one's own strength must continue, but there have been some changes in other places. For example, in the treatment of these orc countries, there is no need to use force against them for the time being.

Since the other party is relatively short of materials and does not seem to be very wealthy, it may be more appropriate to start with the economy.

After thinking about this, Zhang Feng came back to his senses.

He ruffled Cat Er Niang's long black hair and said to her with a smile:

"When you reply to the message to Daqiang Mouse, just say..."

Cat Erniang quickly took out a pen and paper and recorded what Zhang Feng said word for word.

"Hmm, good master, I'm going to contact him!"

Watching Mao Erniang leave quickly, Zhang Feng touched his chin. He felt that it was time to put some things on the agenda.

In April, the extreme north began to warm up. Although the snow has not yet melted, it has not snowed for two days. Looking at the warm sun overhead, everyone knows that spring is coming.

Just like everyone's good mood, there is a happy event in Hongyecheng today.

"Hongye Bank" is officially open!

Some people have heard the word bank a lot, but most of them have never heard of it.

Zhang Feng mentioned it once before, but due to various reasons, the bank was not open to the public.

After hearing that the "Hongye Bank" was created by the Lord of the City, the people in Hongye City were all excited.

In the best position of the commercial street, a tall and straight building rises from the ground. This building is ten stories high, and each floor is six meters high, that is, a building more than 60 meters high.

Both humans and orcs can move freely inside.

This is the tallest building in Hongye City at present, and the tallest building in the entire Buck Kingdom. Standing on the top floor, you can overlook the entire Hongye City!

The building was under construction a long time ago, and now it is finally finished.

Those businessmen with a keen sense of smell have already aimed at this place, and after preparing to open the door here, they will rent a shop, no matter how expensive it is, they will take it.

But I learned today that this place is for Mr. Zhang Feng's own use and will not be rented out.

Since Mr. Zhang Feng did not plan to rent it out, although everyone was disappointed, they did not dare to say anything more.

However, everyone was very curious about what Mr. Zhang Feng was going to do here.

To this day, most people are a little puzzled when they see the four characters "Hongye Bank" hanging on the building.

Bank?

What it is?

Soon, Zhang Feng solved their doubts.

On the same day, Hongye Bank opened its doors lively, and almost all the people in the city came to watch.

"What? Can you keep gold coins in this bank?"

"If there are problems such as loss and damage of the gold coins here, the bank will take all responsibility?"

"Sounds like a good thing. I keep those gold coins at home, and I worry about being stolen every day. If someone trusts enough to help me keep them, even if I pay a little more gold coins!"

"What did you say? Don't want our gold coins? Instead, they will give us interest? Wait, I feel a little dizzy..."

"..."

In the bank hall, humans and orcs looked at each other.

The bank keeps the gold coins for them, but also gives them money?

This is probably the opposite!

However, after double-checking, that's what the bank's staff said.

There are currently three options for depositing coins in the bank.

The first one is current, that is, you can take it as you like, and the annual interest rate is one-thousandth.

The second is a regular three-month period, which means that from the moment you save money, you can get interest three months later, and the annual interest rate is two thousandths. If you take it out within three months, then There will be no interest.

The third is regular six months, which means the same as regular March, that is, the time becomes longer and the interest increases. The annual interest rate of the six-month regular is 3/1000!

There are only these three options for the time being, but according to the staff, there will be regular one-year, two-year, or even three-year options in the future, and the interest rate in that year is terrifyingly high!

Not to mention anything else, let’s just say that this is the lowest interest and most flexible current savings. If you save 10,000 gold coins, you will get 10,000 gold coins after one year!

Although it seems that ten gold coins are nothing compared to ten thousand gold coins.

But you know, this is given to you for nothing!

And it's the bank that keeps it for you!

If there are problems such as gold coins being stolen, the bank will take full responsibility!

That is to say, as long as you keep the gold coins in Hongye Bank, unless you take the vouchers and take them away, the money will always be there and no one can move it!

Of course, this involves a trust issue. Why do you trust Hongye Bank?

However, for this, it is an issue that almost no one considers.

why?

Because this is a bank opened by Mr. Zhang Feng!

This alone is enough.

Not to mention, this Hongye Bank also has the endorsement of Her Majesty Queen Isabelle.

Behind Hongye Bank is not only Hongye City, but Master Zhang Feng, and the entire Buck Kingdom!

Therefore, the creditworthiness of the bank is absolutely believed by everyone!

So now the problem is very simple, you only need to consider how many gold coins you need to save, and that kind of plan will do.

Therefore, after figuring out the function of the bank, in an instant, countless people left the bank immediately and ran home to get the money!

Even those businessmen who need huge liquidity in their hands are no exception.

After all, this is your money for nothing!

Save a current term, take it out when you need it, and put it in the bank to increase interest when you don’t need it. Why not?

After all, when you put money in your own hands, not only do you have to send someone to guard it every day, but you also have to prevent it from stealing. There are even suspicious people who have to count the money every day. Yes, it would be uncomfortable.

However, some people are willing to put money in the bank, and naturally some people take a wait-and-see attitude.

These people watching are basically people from other places, some from the rebuilt Buck capital, and some from the former Gamma Kingdom and Luoyan Kingdom.

It's not that they don't believe in Zhang Feng and Hongye Bank.

On the contrary, after Zhang Feng took on the important task of rebuilding the Buck Kingdom during this period of time, Zhang Feng's actions were seen by everyone. This is a noble man who really considers everyone!

So there must be trust.

The reason is very simple, that is, they don't stay in Hongye City, they basically come here because of its fame, like a tourist, and they will go back sooner or later.

So they feel that their eyes are hot, but if they keep all the money here, what should they do when they go home? Is it possible to make another trip to withdraw money?

Like those who are far away, they may spend a year's interest on the deposit for one trip, so there is no need.

These people, shaking their heads and sighing, it would be great if this Hongye Bank opened in their city!

However, Hongye Bank or Mr. Zhang Feng seems to know their thoughts. The staff of Hongye Bank told them that Hongye Bank is far more than one!

The Hongye Bank in Hongye City is just the headquarters. At present, in addition to the Hongye Bank headquarters, there are ten Hongye Bank branches in the Buck Kingdom. These ten branches are evenly distributed in other big cities in the Buck Kingdom, such as Buck King Capital, the former Gamma King Capital , the original Luoyan King and other places.

They will all open tomorrow.

Moreover, these ten banks are only temporary. Mr. Zhang Feng said that in the next year, Hongye Bank should be spread all over the country in every city in Buckland!

Most importantly, the information between these banks is interoperable, just like the train ticketing system.

That is to say, the money you deposit in Hongye City can also be withdrawn from the bank in your hometown!

All of a sudden, those who wait and see can't sit still. Since there is a bank in their hometown and data is exchanged, there is no reason not to open an account to save money!

As a result, the Hongye Bank lobby was full.

One by one, they all took their money bags and squeezed their heads to drill in, for fear that the bank would not accept them later.

In just one day, Hongye Bank received a deposit of 10 million gold coins!

Even Zhang Feng was taken aback by this number.

This is only the first day.

Sure enough, there are still many rich people in the world!

As for the security of the money, Zhang Feng has already done a good job. In the deep underground of Hongye Bank, there is a vault, where most of the gold coins are kept, and there are many people looking after it, which is absolutely safe.

Of course, Zhang Feng won't let these gold coins stay here for too long. If he doesn't spend them, then his bank will be meaningless.

So, the next day.

There was a large crowd of people in front of the bank. It was the news yesterday that they came to line up before dawn.

Although the bank has clearly stated that it will not reject everyone's deposits, no matter how much you want to save, the bank can afford it, but some people are still worried. After all, the bank is so big, how many gold coins can it hold? What if it is full?

As soon as the bank opened, everyone crowded in excitedly.

But today is not the same as yesterday. In addition to the deposit business, the bank has another business - loan!

"What is a loan?"

Someone asked.

The staff of Hongye Bank answered carefully:

"Lending is when you need money, the bank can lend you money to use, of course, we will charge a little interest."

"Huh? The bank is willing to lend us the money? How much interest does that cost?"

Someone is interested.

In this world, borrowing money is a common thing, especially among those businessmen and nobles. Who hasn't had a hard time?

However, if you want to borrow money from others, in addition to being familiar with the other party, the price you need to pay is also very high, usually one-tenth of the interest per year.

The reason for such a high interest rate is also very simple. The medical level here is not developed, and the society is not very stable. Maybe the creditors will burp.

If the other party has family members, it’s okay, if there are no family members, or the family members can’t be found, then this is a bad debt, and the borrower needs to bear it by himself.

There were shrewd businessmen in the business of borrowing money before, but they lost a lot of money after being maliciously borrowed money several times, and even because of their reputation, there were special horse thieves who came to "borrow" money, which was even more uncomfortable!

The industry of borrowing usury has appeared here, but it is only a short-lived,

The reason is that it is not very peaceful here. People can borrow or rob. To a certain extent, people who can borrow money are not ordinary people.

Therefore, everyone is curious about Hongye Bank's willingness to lend money to ordinary people.

"As long as the review conditions are passed, anyone can borrow money from the bank. As for the interest, there are several options, such as repayment after six months to one year, with an annual interest rate of 5%, and one to two years later. Also, eight percent per annum."

This interest rate is not high, but for most people, they don’t need to borrow money. For example, in Hongye City, as long as you work hard, you can at least have a bite to eat, so it’s not enough to borrow money. .

For some merchants, though, loans are clearly appealing.

Borrowing money used to be a difficult task, but now that Hongye Bank has come out and everyone has deposited their money in the bank, it is even more difficult to borrow!

If they want to become bigger and stronger, and create greater glories, they cannot do without money, so they feel it is necessary to understand this loan.

There are also those businessmen with a keen sense of smell, who suddenly realized after seeing the loan.

He said why it is so good, Master Zhang Feng wants to keep gold coins for others and give them money back! It's all about the loan!

While receiving most of the people's savings, while lending to others, one is about one-thousandth of the interest rate, the other is about five percent interest rate, this in and one out, is fifty times the profit!

sky!

It's so easy to make money!

Thinking of these, the businessmen secretly clicked their tongues. They immediately thought, can this business with fifty times the profit be done by themselves?

But unfortunately, after thinking about it for a long time, they found that this business can only be done by Master Zhang Feng.

After all, it's just a matter of the bank's reputation, and no one else can compare with Mr. Zhang Feng.

You can open a bank, but if no one saves money, how can you lend to others?

Therefore, they can only silently envy. Those who should save money continue to save, and those who have loan ideas are also studying how to borrow and how much is appropriate.

Another day has passed, and when Hongye Bank concluded in the evening, Zhang Feng showed a satisfied smile.

Although today's head office's deposits are not as much as yesterday's, only eight million gold coins, but because today is the day when ten other sub-branches opened, the deposits of these ten sub-branches today reached a full 53 million gold coins!

That is to say, a total of more than 60 million gold coins have been saved today, plus yesterday's, more than 70 million gold coins!

Of course, this isn't Zhang Feng's money, it's just that people exist in his place.

But it does not prevent Zhang Feng from making money with this money!

The amount borrowed today is not much. All banks add up to only more than 8 million. It is not that there are few people who have borrowed money, but that many people are reviewing them. Those who have been approved are all high-quality customers assessed by the bank. There are still many people in line.

According to the calculation of these two days, assuming that the 70 million gold coins are deposited for a maximum of six months, and the annual interest rate is 3/1000, Zhang Feng needs to pay 210,000 interest after that one year.

Assuming that the loan of 8 million gold coins is also one year and the annual interest rate is 5%, the interest earned in that year is 400,000.

400,000 minus 210,000.

All of a sudden, the gross profit is 190,000 gold coins?

"Is this what a capitalist feels like? Love, love!"

Even if he knew that he would make money, Zhang Feng still felt a little unreal after realizing this feeling.

It's so cool to make money!

However, Zhang Feng was not dazzled by the joy. The Hongye Bank's affairs had to be watched carefully, and nothing could go wrong.

Because making money is secondary~www.novelmt.com~ The reason why Zhang Feng got the bank out at this time is not just to make money!

At this time, the Kingdom of Danga.

On the third day that Rat Daqiang arrived in the Kingdom of Danga, a heavyweight was finally found.

"I heard that your caravan has a wide variety of things? You can buy everything? Is it true or false?"

"Of course it's true, provided you have enough gold coins!"

"But because of the war, I don't have much gold coins in my hand..."

"It's okay, we can lend you gold coins."

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