The Fourth Financial Crisis

The wealth structure of the world of cultivation is completely pyramid-shaped.

Ordinary cultivators in the Qi refining stage are willing to risk their lives to accept the commission from Heyu Pavilion for tens of thousands of spiritual stone coins. Two hundred thousand spiritual stone coins can even make a pretty grassroots female monk sell herself into slavery.

A cultivator who can directly invest his net worth of 200,000 yuan in spiritual stone coins, even if he does not have the strength of Fei Fan and Han Xinhe, should at least be the senior leader of an ordinary cultivation sect at the level of Huan An and Wei Da.

Although Yang Lu was able to chat and laugh with the elders of the Shanying Sect and the Haiya Sect when he introduced Qi into the physical realm, this does not mean that these elders are just cats and dogs on the roadside.

A vassal sect like the Mountain Eagle Sect may have nearly a hundred monks in the later stages of foundation building. However, only about 20 people can become powerful elders, and these 20 people are basically grassroots monks who come from a family of cultivation and have no background. , even if you are lucky enough to reach the late stage of foundation building, you will still not be able to become a powerful elder of the cultivation sect.

In fact, when facing the Qi Refining Stage disciples within their own sects, the powerful elders in these cultivation sects can even decide their life or death with a few words. Even the direct disciples of powerful elders like Rong Sheng, in front of ordinary low-level cultivators , can be regarded as an out-and-out big shot, otherwise he would not have been able to organize so many brothers to engage in the business of reselling the sect's assets.

What's more, high-level cultivators are not fools. Even if they can invest 200,000 yuan in net assets, few will invest all their positions in the bonds of the Luo Family Chamber of Commerce. Therefore, they can hold more than 200,000 yuan in bonds of the Luo Family Chamber of Commerce. You don’t need to think about it to know what kind of family members the big owner of Lingshi Coin belongs to.

Of course, these wealthy businessmen who are owed huge sums of money by the Luo Family Chamber of Commerce cannot be truly high-level cultivation people. After all, truly well-informed cultivation masters cannot be deceived by the scam of the Luo Family Chamber of Commerce. It is estimated that just like the three giants of the Haiya series, they shipped the goods in advance and left.

The remaining victims of large-scale retail investors are either like Fei Fan, the law enforcement elder of the Shanying Sect, who belong to local sects who have made black money for decades, or they are like the Zhujia Chamber of Commerce and the Chenjia Chamber of Commerce, whose ancestors were once wealthy. The cultivation family.

And even these big dogs didn't all show up to cause trouble.

As high-level officials of local sects, many wealthy businessmen are no longer afraid of wearing shoes. Although the Wuliang Sword Sect and the Lingshi Reserve Bank may not punish the public, it does not mean that they will not kill the chickens to scare the monkeys. If those Jindan cultivators Because the first and second leaders of the vassal sect dance too happily, they are likely to be retaliated by the Wuliang Sword Sect afterwards. If they ruin their future career for a mere few hundred thousand spirit stone coins, it will be more than worth the gain.

Therefore, the retail investors who come alone to cause trouble are at most the elders of the vassal sects of the Wuliang Sword Sect.

As all small retail investors whose debts were less than 200,000 Lingshi coins had completed their payments, most of the troublemakers were content and went back to their homes. Only a few thousand people were left at the payment site, and among these more than a thousand people, there were still More than half are so-called corporate creditors.

For example, the Luoxia Sect, an old friend of the Haiya Sect, was owed 50 million yuan in spiritual stone coins by the Luo Family Chamber of Commerce, of which 30 million yuan was in bonds, and the remaining 20 million yuan was the payment owed by the Luo Family Chamber of Commerce.

However, the nature of the money owed by the Luoxia Sect is completely different from the money owed by the head of the Luoxia Sect himself.

As a regional sect in Zhongzhou, although the Luoxia Sect is not a direct vassal sect of the Wuliang Sword Sect, it certainly does not dare to come to the Wuliang Mountains with great fanfare to cause trouble. This kind of behavior is no different from rebellion, so the head of Murong just sent An elder from his own sect came to "ask for an explanation."

And before setting off, Head Murong repeatedly told the elder not to take the initiative to stir up trouble, and to try to hide behind the large army and beat the drum while letting the angry retail investors charge forward. If the Lingshi Reserve Bank compromised, then They just took the opportunity to get a piece of the pie. If the wind went in the wrong direction, they would immediately be prepared to give in. Don't drag yourself into trouble because of the sect's affairs.

To be fair, Head Murong actually didn’t even want to send elders. After all, it’s not like the Luo Family Chamber of Commerce owed him money!

However, the Luoxia Sect is now in such difficulty that it cannot pay its disciples' monthly salary, and it was Head Murong himself who made the decision to do business with the Luo Family Chamber of Commerce.

At this point, if he doesn't show any signs as the leader, I'm afraid he, as the leader of the Luoxia Sect, will be done.

Therefore, the legal representative who came to cause trouble on behalf of the Luoxia Sect was not so much sent to collect debts as it was an explanation given by Head Murong to his disciples, indicating that he had tried his best.

Even if the money is not returned in the end, Head Murong can spread his hands and say that I have already sent people to Wuliang Mountains to protest, what else can you want from me?

Head Murong didn't want to offend Wuliang Sword Sect, and the elder of Luoxia Sect who was sent was even less willing to cause trouble. After all, he had nothing to do with this matter at all. Chun Chun was sent by Head Murong to be the scapegoat, no matter it was Having offended the Wuliang Sword Sect and aroused the public anger of the Luoxia Sect, there is a high probability that he will be used by the head of Murong.

One can only imagine how enthusiastic this guy is about collecting debts.

In fact, the Luoxia Sect representative just shrank behind everyone from the beginning, shouting some innocuous slogans to build up his momentum. When everyone stopped making trouble and queuing up to withdraw money, he did not continue to cause trouble. They huddled at the back of the line and became the last ones to be compensated.

In addition to corporate creditors like the elders of the Luoxia Sect, there are only about 400 large retail investors who are actually owed huge sums of money by the Luo Family Chamber of Commerce, and these people are the most difficult to deal with. On average, each person is More than one million yuan in spiritual stone coins were owed.

Although the number of these people was not large anymore, their total number still surprised Yang Lu.

As a currency that is directly linked to the equity of Lingshi mines, Lingshi coins are the strongest assets in the Kyushu cultivation world. Therefore, the purchasing power of Lingshi coins has not depreciated significantly in the past few hundred years. Murong, the former newspaper boy of Haiya City, could only earn one yuan of spirit stone coins after working for one month. Ordinary Qi Refining Stage disciples of the Haiya Sect could only earn several hundred yuan of spirit stone coins after working for one year.

If he hadn't witnessed so many local tycoons taking large bonds issued by the Luo family to the Lingshi Reserve Bank to collect debts, Yang Lu would never have expected that there were so many rich people hiding in the Zhongzhou cultivation world.

Seeing that these guys whose average cultivation level was not very high were easily cheated out of millions of spiritual stone coins, Yang Lu also had a deeper understanding of the issues that President Li Qingyang mentioned back then.

The biggest problem in the Kyushu cultivation world is not a financial problem at all, but a distribution problem.

Even if ordinary grassroots cultivators practice to the foundation-building stage and then save money until the end of their lives without eating or drinking, they may not be able to save one million yuan of spiritual stone coins. However, even if the vast majority of grassroots cultivators advance to Qi Refining Dzogchen early, they will not be able to save enough. Without the training resources to break through the foundation building period, he was even forced to enter foreign battlefields many times to fight for his future.

Even within the major local sects, there are a lot of personal dependence phenomena similar to the grassroots junior sisters who take the initiative to serve as the cauldron for the second-generation immortal brother in exchange for money. Zhang Zhicheng, the North Mo Prefecture weapon refiner that Yang Lu recruited on the battlefield outside the territory, is undoubtedly this The biggest victim of this violent polarization between rich and poor, if it were not for the guidance of Advisor Yang, he might never have been able to get ahead.

These low-level monks sold their souls and bodies just for the foundation-building pill that is necessary to advance to the foundation-building stage. The price of this pill that the bottom-level monks dream of is only tens of thousands of spiritual stone coins. If Li Qingning is willing, she You can even eat this stuff like jelly beans!

In today's Kyushu cultivation world, not only the grassroots monks are in poverty, but the finances of the local sects are also difficult. Some local sects are even so difficult that they cannot even pay their disciples' monthly salary of several million spirit stone coins. Even the Luoxia Sect has to kill Only by losing the equity in Yangjiang Port, the hen that laid the golden eggs, can the funds be recirculated.

Although the valuation of the Yangjiang Port project at that time was less than one-third of today's, the Luoxia Sect was still losing money.

Compared with the plight of grassroots monks and sects, some cultivating families and wealthy cultivators are simply not very wealthy.

Not to mention Yang Lu and Li Qingning, two big capitalists in Haiya City with a net worth of tens of millions, and business tycoons like Su Yuanfeng, chairman of the Haiya Chamber of Commerce, who use Haiya Bank as a cash machine. People like Han Fulai, the deputy city lord of Ya, and Chen Ping, the president of the Chen Family Chamber of Commerce, who are not at the forefront of Haiya City, can spend hundreds of thousands of spirit stone coins on their own money. Even Yang Lu has heard that Han Fulai has no spirit. Gen's mortal supervisors all supported several young female disciples of the Haiya Sect.

Yang Lu originally thought that most of the hidden rich people in Haiya City were because of Haiya City's prosperous business. However, after seeing large retail investors such as Lingshi Reserve Bank who were selling lavishly, Yang Lu realized that he had underestimated the gap between the rich and the poor in the cultivation world and private wealth. .

What the Jiuzhou cultivation world lacks today is not spiritual stone coins at all, but means to smooth the gap between the rich and the poor!

It’s no wonder that President Li Qingyang never allowed the Wuliang Sword Sect to issue spiritual stone coins. These super-issued spirit stone coins have no effect on the cultivators struggling at the bottom of the cultivation world, and will only make these hidden rich people more and more rich.

However, as the gap between the rich and the poor in the cultivation world becomes more and more severe, the entire cultivation world is like a rusty machine, running more and more sluggishly. Mortals and grassroots cultivators are allocated fewer and fewer resources and are forced to Instead, low-grade spiritual root cultivators like Han Xinhe, who had no chance of cultivating to the golden elixir stage, were reduced to the weaklings of the cultivating family. They were forced to reach the foundation-building Dzogchen stage by massive resources, wasting a lot of high-grade spiritual roots that could have been cultivated. The resources of the Golden elixir monk.

The collapse of the Luo Family Chamber of Commerce is ultimately the result of the powerful cultivators once again looting grassroots cultivators and redistributing their wealth.

Of course, this cannot be said to be a bad thing. After all, compared to today's cultivation where resources are king, the original spiritual root is just another form of reincarnation technology.

However, after the Cultivation Family monopolized more and more cultivation resources, human greed once again aggravated the crisis. The Cultivation Sect has become a cash machine for interest groups, and the Cultivation Family, which controls financial resources, has begun to use various methods to overdraw the future. The cash flow from future generations can be used to improve one’s own cultivation realm.

Whether it is the bankrupt Luo Family Chamber of Commerce or the endless stream of cultivator families that have signed "reciprocal agreements" with the Haiya Clan, it shows that those cultivators who control a large amount of resources are no longer satisfied with exploiting the resources of other people, and even their own descendants. You should also clear your overdraft in advance.

This behavior is clearly unsustainable.

Nowadays, the economic vitality and resource output of the cultivation world have obviously declined. Although the number of Jindan cultivators today is almost twice that of five hundred years ago, this is only a short-term prosperity caused by overdraft credit. In recent years, The number of cultivators in the foundation-building stage in the world of cultivation has declined significantly.

After all, as the leek harvester becomes more and more powerful, the grassroots cultivators are indeed about to be wiped out.

Now, just one Luo Family Chamber of Commerce has collapsed, and tens of thousands of bankrupt cultivators have caused a scene of besieging the Lingshi Reserve Bank. If something bigger happens in the future, even the Infinite Sword Sect may not be able to suppress it!

Just when Yang Lu was thinking wildly, the staff of the Lingshi Reserve Bank who was responsible for making advance payments at the counter suddenly sent a communication spell to Yuntianhua. After Yuntianhua took the communication spell into the palm of his hand, he said in a solemn tone: " The available surplus on the Lingshi Reserve Bank's account has almost been exhausted..."

Hearing these words, Yang Lu knew that the highlight was coming.

He nodded and said, "President Yun, it's time for us to pay the remaining people IOUs as planned!"

At this point, Yuntianhua knew that he could not escape no matter what, so he could only smile bitterly, and then slightly activated the magic formula with his hands. In the blink of an eye, his figure flashed to the remaining more than a thousand wealthy cultivators. before.

Yang Lu was no stranger to Yuntianhua's movement technique that was close to teleportation. During the Zhongzhou Sword Discussion Conference, Li Feiyu had demonstrated a similar movement technique. They were both heirs of the Six Paths Sword, and Yuntianhua's swordsmanship skills were comparable to Li Feiyu's. Give more.

Seeing Yuntianhua's sudden appearance, the creditors instantly divided into two groups. Among them, the retail creditors stared at Yuntianhua with vigilant eyes on the spot, while the institutional representatives headed by the elders of the Luoxia Sect shrank back in unison.

After successfully attracting everyone's attention, Yuntianhua gritted his teeth and said: "Everyone, the Lingshi Reserve Bank can't get any more Lingshi coins in its account. Cultivators who owe more than 200,000 Lingshi coins If you don’t, we can only register your situation first, and then find ways to make installment payments in the future.”

One stone stirs up a thousand waves!

The originally quiet team suddenly exploded:

"I don't want a white note, I want spiritual stone coins in cash!"

"That's not fair! Why don't we get real money when everyone else gets the money?"

Although the cultivators queuing up at the scene were extremely angry, compared to the original grand scene of tens of thousands of people besieging the Lingshi Reserve Bank, the momentum of more than a thousand people now is obviously not enough, especially these more than a thousand low-level people. Around the first-level monks, there were more than a dozen masters of the Golden Core Stage of the Lingshi Reserve Bank holding the formation.

More importantly, about 60% of the corporate creditors among these people did not say anything, obviously trying to be traitors and scabs.