Otherworld Management Manual

"Other World Management Manual ()"!

Hongye City, the city lord's mansion.

Zhang Feng looked at the date and felt that Shu Daqiang and the others should be arriving soon.

As for the orc kingdom on the other side, Zhang Feng can only hear it from hearsay. He doesn't know what it looks like, and whether the plan he made will work.

He can only hope that Shu Daqiang and the others are going well. Zhang Feng doesn't want to find any useful news in the early stage, as long as he can gain a firm foothold.

While thinking about countermeasures, suddenly, the cat-eared lady ran over in surprise.

"Master, there is news from Shu Daqiang!"

Seeing that Windsor had nothing to do recently, Zhang Feng handed over the task of contacting Shu Daqiang to Maoer Niang.

The cat-eared lady is naturally willing, as long as she can help Zhang Feng, she will be very happy.

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

"How do you say it?"

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

"Here, it's all here!"

The cat-eared lady took out a piece of parchment with a call log on it.

Zhang Feng looked at it carefully, but after reading it, his expression was a little strange.

This is different from what he thought!

The orc country is poorer than he imagined. Of course, it may be because the Danga Kingdom is relatively remote, but Shu Daqiang estimates that, except for the Sirius 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 Sirius Empire!

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

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

Then the resources will definitely be insufficient. When there is no way to obtain more resources, war is obviously a better way to consume manpower.

certainly,

The Sirius Empire is so powerful, it is naturally impossible to consume itself, so let other countries fight!

"It's so ruthless!"

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

If this is true, then it has to be said that the emperor of the Heavenly Wolf Empire is a hero!

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

Zhang Feng frowned and thought.

The cat-eared lady stood obediently by the side, staring at Zhang Feng curiously, not knowing what he was thinking of, her expression 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 divide their relationship?

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

This is not sure.

However, Zhang Feng also thought that if he could think of the issue of uniting small countries, the other party would probably also be able to think of it, but now no one is uniting to resist 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, it is also possible that they tried together and failed to resist.

No matter which possibility it is, it is a difficult challenge for Zhang Feng.

But that's what's interesting, isn't it?

Then let's talk about the matter itself. Since many resources in these orc kingdoms are relatively scarce, he can provide corresponding resources and exchange resources for information.

Even more things can be exchanged.

If he could disintegrate the orc kingdom on the opposite side and defeat the Sirian Empire without any effort, then Zhang Feng would be able to wake up from his dreams with laughter.

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 dealing with these orc countries, there is no need to use force against them for the time being. Let alone whether they can win, Zhang Feng thinks it is unnecessary.

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

After figuring this out, Zhang Feng came back to his senses.

He messed up Maoerniang's long black hair, smiled and said to her:

"You reply to Shu Daqiang, just say..."

The cat-eared lady quickly took out a pen and paper, and recorded what Zhang Feng said verbatim.

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

Watching the cat-eared lady leaving in a hurry, Zhang Feng stroked 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 above our heads, we all know that spring is coming.

Just like everyone's good mood, a happy event happened in Hongye City today.

"Hongye Bank" is officially open!

Some people hear 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 has not been opened to the public.

After hearing that the "Red Leaf Bank" was created by the city lord, the people in Hongye City seemed very excited.

In the best position on the commercial street, a tall and straight building rose from the ground. This building is a full ten stories high, and each floor is six meters high, which is a building more than 60 meters high.

Both humans and orcs can move freely in it.

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

The building was under construction a long time ago and is only now finally being completed.

Those merchants with a keen sense of smell have long aimed at this place, planning to rent a shop after opening here, no matter how expensive it is, they will take it.

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

Since Mr. Zhang Feng didn't plan to rent it out, everyone was disappointed, but they didn't dare to say anything more.

However, everyone was very curious about what Master 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 that day, Hongye Bank opened its doors bustlingly, and almost everyone in the city came to watch.

"What? Can gold coins be deposited in this bank?"

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

"Sounds very good. I keep those gold coins at home, and worry about being stolen every day. If there are enough trustworthy people 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, you want to give us interest? Wait, I feel a little dizzy..."

"..."

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

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

I'm afraid it's the opposite!

However, after repeated confirmation, the staff of the bank said so.

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

The first one is demand deposit, which can be used at any time, and the annual interest rate is 1/1000.

The second is a regular three-month period, which means that from the moment the money is saved, the interest can only be obtained after three months, and the annual interest rate is two thousandths. There will be no interest.

The third is six-month regular, which means the same as regular three-month, that is, the time becomes longer and the interest increases. The annual interest rate of six-month regular is three thousandths!

For the time being, there are only these three options, but according to the staff, there will be one-year, two-year, or even three-year fixed-term options in the future, and the annual interest rate is frighteningly high!

Let's not talk about anything else, let's just say that this current savings account has the lowest interest rate and is the most flexible. If you save 10,000 gold coins, you will get 10,000 gold coins in one year!

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

But know that this is given to you for free!

And it's kept by the bank 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 deposit the gold coins in Hongye Bank, unless you take them out with the voucher, 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, regarding this point, on the contrary, it is a problem that almost everyone has not considered.

Why?

Because this is the bank opened by Master Zhang Feng!

This alone is enough.

Not to mention, the Red Leaf Bank has the endorsement of Her Majesty Queen Isabelle.

Behind Hongye Bank is not only Hongye City, but Mr. Zhang Feng, or the entire Barker Kingdom!

Therefore, the credibility 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 want to deposit, and which plan to deposit.

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

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

After all, this is free money for you!

Save a current account, take it out when you need it, and put it in the bank to increase the interest when you don't need it, why not do it?

After all, if 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 being stolen. There are even suspicious people who have to count every day. Counting money once or twice is very comfortable, but counting every day is even considered a job. Well, that would be uncomfortable.

However, some people are willing to deposit money in the bank, while others are naturally on the sidelines.

These people who waited and watched were basically people from other places, some came from King Buck's capital which was being rebuilt, and some came from the former Jiama Kingdom and Luoyan Kingdom.

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

On the contrary, after this period of time, after Zhang Feng took on the important task of rebuilding the Kingdom of Buck, everyone saw what Zhang Feng did. This is a nobleman who truly considers everyone!

So there must be trust.

The reason is very simple, that is, they don't stay in the Red Leaf City Mayor, they basically come here for the fame, like a tourist, and they will go back sooner or later.

So they feel that the hot eye is the hot eye, but what if they store all the money here and go home? Is it possible to make another trip to withdraw money?

Like those who are far away, the one-year interest on the deposit may be spent on a trip, so it is unnecessary.

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

However, Hongye Bank or Mr. Zhang Feng seemed to know what they were thinking. The staff of Hongye Bank told them that there was far more than one Hongye Bank!

Hongye Bank in Hongye City is just the headquarters. Currently, besides the headquarters of Hongye Bank, there are ten branches of Hongye Bank in Buck Kingdom. , the original Luoyan King is waiting for the place.

They will all open tomorrow.

Moreover, these ten banks are only temporary. Mr. Zhang Feng said that within the next year, Hongye Bank will spread to every city in Buckland!

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

In other words, the money you deposit in Hongye City can also be withdrawn from the bank in your hometown!

All of a sudden, those who waited and watched could not sit still. Since there is a bank in my hometown and the data is interconnected, why not open an account to save money!

As a result, the lobby of Hongye Bank was full.

One by one, they all squeezed their heads in with their money bags, for fear that the bank would not accept them if it was too late.

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 these money, Zhang Feng has already done a good job. There is a vault deep underground in Hongye Bank. Most of the gold coins are stored here. There are many people guarding it, which is absolutely safe.

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

So, the next day.

There was a huge crowd of people at the gate of the bank. They got the news yesterday and came to line up before dawn.

Although the bank has made it clear that it will not reject everyone's deposits, no matter how much you want to deposit, 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 squeezed in excitedly.

But today is different from yesterday. In addition to the deposit business, the bank has another business-loans!

"What is a loan?"

Someone asked a question.

The Red Leaf Bank staff answered very carefully:

"A loan means that when you need money, the bank can lend you money. Of course, we will charge a little interest."

"Huh? The bank is willing to lend us money? How much interest will it cost?"

Someone is interested.

In this world, borrowing money is a common thing, especially among businessmen and nobles, who hasn't had a difficult time?

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

The reason why the interest rate is so high is also very simple. The medical level here is underdeveloped, and the society is not very stable. Maybe the creditor will belch at some point.

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

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

The usury industry has appeared here, but it was only a flash in the pan.

The reason is that it is not peaceful here, people can borrow money, and they can also rob. To a certain extent, people who can borrow money are not ordinary people.

Therefore, everyone is very 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 also several options, such as repaying after six months to one year, with an annual interest rate of 5%, and one to two years later. Also, the annual interest rate is eight percent."

The interest rate is not high, but for most people, they don’t need to borrow money. Like 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 businessmen, though, the loans are an obvious draw.

Borrowing money was always a difficult task, but now that Hongye Bank has come out, everyone has deposited their money in the bank, making it even more difficult to borrow money!

If they want to become bigger and stronger, and make great achievements again, they can't do without money, so they think it is necessary to know about this loan.

There are also those businessmen with a keener sense of smell, who suddenly realize it when they see the loan.

He said why it's so good, Mr. Zhang Feng wants to keep the gold coins for others, and return the money to others! It turned out to be a loan!

While collecting most people's savings, they lend to others at the same time, one at an interest rate of about 1/1,000, and the other at an interest rate of about 5%. This input and output is 50 times the profit!

sky!

It's too easy to make money!

Thinking of this, the businessmen clicked their tongues secretly, and they immediately thought, can they do this fifty times profit business by themselves?

But unfortunately, after thinking for a long time, they found that only Mr. Zhang Feng could do this business.

After all, no one else can compare with Mr. Zhang Feng when it comes to the bank's reputation alone.

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

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

Another day passed, and when Hongye Bank concluded at night, Zhang Feng showed a satisfied smile.

Although the deposit in the head office today is not as much as yesterday, only 8 million gold coins, but because today is the opening day of the other ten sub-branches, the deposit amount of these ten sub-branches today has reached a full 53 million gold coins!

In other words, a total of more than 60 million gold coins were deposited today, and yesterday's ones were added, and there were more than 70 million gold coins!

Of course, it's not Zhang Feng's money, it's just someone else's money.

But it doesn't prevent Zhang Feng from using the money to make money!

The amount borrowed today is not much. The sum of all the banks is only more than 8 million. It is not that there are few people borrowing, but that many people are reviewing. Those approved are all high-quality customers evaluated by the bank. There are still many people in line.

Based on the calculation of these two days, assuming that the 70 million gold coin deposits are deposited for a maximum of six months, with an annual interest rate of 3/1000, Zhang Feng will need to pay 210,000 in interest after that year.

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

Four hundred thousand minus two hundred and one thousand.

Now, the gross profit is 190,000 gold coins?

"Is this what a capitalist feels like? Love it!"

Even though he knew that he would make money, Zhang Feng still felt a little unreal after truly experiencing this feeling.

It's cool to make money like this!

However, Zhang Feng was not overwhelmed by joy, and he had to keep an eye on the affairs of Hongye Bank without any mistakes.

Because making money is secondary, the reason why Zhang Feng got the bank out at this time was not just to make money!

At this time, the Kingdom of Danga.

On the third day after Shu Daqiang arrived in the Kingdom of Danga, a heavyweight finally found him.

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

"Of course it is true, the premise is that you have enough gold coins!"

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

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

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