Urban Sims

The existence of the Balancer made Zhou Ming very alert, and he quickly took some measures to deal with it in advance.

First, the plan to open branch banks of Xunjie Bank in every city was cancelled, and the strategic expansion was stopped.

Secondly, tighten the loan business, raise the loan threshold, limit the amount of a single loan to no more than 500,000 credit points, and the repayment period to no more than 3 years.

The last step is to collect working capital and let Xunjie Bank launch some financial products such as "deposit for three years, annual interest of 3%" and "deposit for five years, annual interest of 3.5%". The characteristics of these products are higher interest rates, but Once deposited, it cannot be withdrawn midway, otherwise not only will there be no interest, but a 2% default fee will also be deducted.

Sure enough, in less than a month, the cities in District 52 and the legal system of the city management system suddenly added a new legal provision in the "Anti-Usury Law", which made countless loan borrowers burst into cheers:

Any form of loan, whether with or without interest, regardless of whether it is an individual or an institution, is illegal if it is extended more than three times, and the borrower does not need to repay it.

The meaning of this legal provision can be understood in one sentence: if there are more than three loans, the customer does not need to repay them.

Legal experts patiently explained the case on TV, while the Internet was in a frenzy.

"So, I don't have to pay back the 200,000 credit points I borrowed from Swift Bank?"

"Hahahaha, my house and hover car are safe! Swift Bank can't do anything to me!"

"If I had known this, I should have borrowed more. I only borrowed 300,000, and I lost money!"

"No! Swift Money Bank has suffered such a huge loss. We can only withdraw part of it from our deposits to make up for the loss. I have to withdraw all the money I have in it quickly!"

"Those who have deposited money at Xunjie Bank, hurry up and withdraw the money! The window is packed with people queuing up. If you get there late, you won't have any money to withdraw!"

"It is said that Swift Bank has lost more than 3 trillion yuan in loans. Swift Bank is doomed. If we don't withdraw the money, there won't be any money left!"

In various cities, rumors are spreading and panic is spreading. In the face of a huge run, even if the bank manager Qian Dalang gives reassurance to users, he cannot stop the run and the trend becomes more and more intense.

Just one week has passed, and the number of depositors in the bank has been lost by 96%, and the amount of savings has been lost by 99%.

But what shocked the gloating people was that despite the loss of depositors and savings to such an extent, Swift Bank was still operating normally, and the bank employees were very calm.

Two weeks after the run crisis, when Swift Bank opened the bank's vault and displayed the full 1 million pieces of money (of course, only 20% was real), everyone was shocked.

"How rich is Swift Bank?"

"Ma Dan, whoever says that Swift Bank is going to fail again, I'll beat him to death!"

"My five-year financial product! It was good to save it, but after listening to those people, I took it all out and lost more than 5,000!"

"There are always 99% of people in this world who can be classified as idiots. I haven't withdrawn the money. I will deposit 5,000 in it tomorrow."

"I'm going back to save money, and I'm going to buy five-year financial products!"

"From now on, my credit points will not be saved anywhere except Swift Bank!"

The run trend is over. Xunjie Bank not only survived the crisis, but also established an extremely strong reputation in the hearts of depositors. After the crisis, more depositors came to deposit money than before.

A blessing in disguise!

In fact, Zhou Ming had made adequate preparations before the new legal provisions of the Anti-Loan Usury Law were issued and the bank run occurred.

The first is to sell off a large number of various assets owned by Swift Bank to convert them into liquid funds, even at the expense of significant price reductions.

Second, on the Money Life website, 100,000 coins were auctioned and converted into more than 80 billion credit points, injecting a large wave of blood.

Third, the 200 billion credit points earned in the catering industry in the past few years have finally blocked the huge bleeding hole in the loan business from Swift Bank.

Yes, Zhou Ming did some statistics and found that just a legal order caused his Swift Bank's losses to exceed 300 billion, although not as exaggerated as the "3 trillion" rumored on the Internet.

300 billion credit points, if converted into money at an exchange ratio of 1 million:1, would be a full 300,000 credits!

lost heavily!

This almost made all his five years of accumulation in vain.

Fortunately, his century-old accumulation in the catering field in his previous life saved everything for him.

Because five years ago, he invested 3,000 yuan to acquire a smart kitchen robot manufacturing company that was on the verge of bankruptcy, and then founded a condiment company. According to the condiment company, he produced more than 80 new condiments, which are closely related to smart kitchen robots. Combined, the "God of Cooking 1" kitchen robot produced, plus his God of Cooking cooking skills bonus, was launched on the market. In just half a year, the God of Cooking 1 kitchen robot occupied more than 70% of the kitchen robot market. , and triggered a "God of Cookery Storm".

Then Zhou Ming entered the catering industry, investing in the construction of hundreds of family restaurants, and promoting new condiments in the condiment market... In the catering field, Zhou Ming made more money in an easier way in this life (mainly from credit points).

After the bank passed the crisis, Zhou Ming did not cut off all the loan business and only retained the "money loan" item.

Because money is always a precious and scarce commodity in this world, there will always be people who do not have enough credit points and need to borrow money or loans to buy money. Swift Bank will still provide loan services to these customers, but the condition is: the loan has not been completed. Before repayment, the money purchased by the customer will be deposited in Xunjie Bank and the customer is not allowed to withdraw it.

This means that even if the customer wants to break the contract, he cannot do anything but use some smug tricks.

As for Swift Bank, there is no loss. The money and credit points are all in its own hands. What tricks can its customers do?

Of course, by doing this, the profit margin of Swift Bank will be greatly reduced, only one tenth of what it was before.

Coupled with the money earned from the catering industry, the money earned from money auction fees from Qiansheng.com, the annual net profit of 60 billion credit points, after deducting the money lying in Xunjie Bank, that is a full 2 ​​trillion credit points Zhou Ming could not even guarantee that all his asset groups could maintain breakeven on the annual interest payments incurred by depositors.

Not accepting deposits from depositors would be a fool's errand... So Zhou Ming thought of a clever way to solve this problem with 100% certainty:

Go all out in medical treatment!

"Swift Bank, coupled with Life Extension Medical, I will not only make all other hospitals in Area 52 close down, but I will also make all the money!"

…

Five months later.

With an investment of more than 300,000 yuan and more than 100 billion credit points, the Biosynthetic Medical Company was officially established.

This "vitality building" located in the city center stands directly opposite the Oriental Hospital. Not only is it not weak in terms of momentum, but it is even more magnificent!

Because the height of Shengqi Building is one floor higher than Oriental Hospital, a full 100 floors!

Advanced medical equipment, buy it!

Recruit famous and talented medical talents with high salaries!

Freshly graduated medical college graduates, recruiting! Recruit in large numbers!

In short, Zhou Ming's craziness in spending money in the past few months left everyone dumbfounded and breathless.

Even the Oriental Hospital opposite the Shengsheng Building was stunned, especially when they heard that the boss of the Shengsheng Medical Company was making wild claims that he would destroy the Oriental Hospital within 10 years. The leadership of the Oriental Hospital was collectively stunned for a minute, and then exploded The whole room burst into laughter, and Chief Director Kang Jinkai even mocked: "Destroy Dongfang within ten years? What a fool! Dongfang Hospital, I will kill you within a year first!"

However, when he saw the building opposite that blocked the scenery and sunlight and was deliberately one floor higher, for some reason, Kang Jinkai felt a strange misconception in his heart.

…

Inside the Vitality Building.

Floor 88, in the corridor.

"Are there enough medical equipment? Are there enough manpower? If there are any other difficulties, you can feel free to mention them! I just ask: Can you start various medical research plans in the shortest possible time?"

Zhou Ming, who was watching as he walked, passed one laboratory after another and asked the people in charge next to him.

"Enough is enough, equipment, manpower, funding, everything is sufficient! Once the personnel of each project research team are properly arranged and the team integration is completed, within one to two weeks, all research and development plans will be on track! "

The general manager walking on the left, a somewhat stout middle-aged man named Wang Dawei, nodded and said. He was originally the person in charge of the life extension project of Zhiyuan Hospital, but the hospital was in poor business and the treatment was not good. Faced with the opening of Shengsheng Medical Company, Offered 10 times the high salary, he jumped ship without hesitation.

The woman in a skirt on the right, who is in her thirties, has a capable temperament and outstanding appearance, and holds a document in her hand. She is Tang Hong, the marketing and human resources manager of BioVital Medical. She blinked her beautiful eyes and revealed a look on her face. With a charming smile, she said: "Boss, please don't worry. Within a week, I will arrange all the departments, tasks, and personnel of Shengsheng Medical Company in an orderly manner for you."

Tang Hong is very confident. She previously served as the CEO of a communications company with more than 30,000 employees for five years. The medical institution where she now works manages 10,000 people. For her, it is not too difficult. Big challenge.

Moreover, the market prospect of the medical industry is ten times higher than that of the communications industry. Tang Hong, who has a larger platform for performance, also has to prove to her father: What a ridiculous decision it was to hand over the communications company to that incompetent brother. ! Kick her out of the family group, she will make them deeply regret it!

In addition, when he learned that the boss of Bioenergy Medical Company was also in his 30s and single, looking at this handsome, confident man, Tang Hong had some strange thoughts in his heart.

"Hey, isn't that Xiaofeng?"

Passing by a cancer research laboratory, Zhou Ming's eyes lit up and he saw an acquaintance - Gu Naifeng through the glass wall.

He walked in, said hello, and asked a few questions.

"Xiao Feng, what are you studying? Are you still used to working here? Are there any difficulties?"

Wearing a white coat, Gu Naifeng, who was still immersed in work just now, put down the utensils in his hands and told Zhou Ming with some restraint: He is studying the relationship between the infinite division of cancer cells and life extension. The working environment here is also very good, compared to The school is much better, the salary is very satisfactory, and the job is close to my home... so there are no difficulties.

Zhou Ming nodded, pointed at Gu Naifeng, and said to Wang Dawei, Tang Hong and others beside him: "I am very optimistic about this young man Xiaofeng and think he has a bright future, so I paid for his five-year college tuition. Money, you all also help to train him, he will definitely be of great use in the future!"

"understand!"

"Boss, we will vigorously train Xiaofeng! We will not let you down."

These people in charge immediately patted their chests and promised, saying that they would cultivate Xiaofeng. At the same time, they all knew in their hearts: This young man is not an ordinary researcher, but a popular person in the eyes of the boss, and they must not be offended!

Bathed in these passions, mixed with jealousy, jealousy, envy, etc., Gu Naifeng could only touch his head, feeling that the pressure on his body suddenly became a little heavy.

…

After inspecting the Vitality Building, I returned home. After extracting the complete set of medical technical data from the system warehouse space, I then looked at the pile of immortality grass and tens of thousands of elixirs still lying there in the warehouse. Zhou Ming had a complete plan in mind.

First, within three years, let the vitality medicine digest and absorb all the medical technologies accumulated in the previous life.

It will take another two years for the research team to combine the longevity principles of longevity grass and elixir to develop more powerful life-extending technology.

Five years later, when the research results come out, it will be almost possible to drop a nuclear bomb in the medical field of Area 52.

Therefore, to say that the Oriental Hospital will be defeated within ten years is not Zhou Ming’s boast.