Urban Sims

What’s the next step?

This is the question Zhou Ming started thinking about after he had a starting capital that he could use with confidence.

There are many paths to choose from, and with the accumulation from the previous game, no matter which path you take, you don't have to worry about getting into trouble.

The question is which path is the fastest, has the highest probability of success, and is the least risky.

Continue to engage in catering and conquer the world with delicious food?

He shook his head. It was too slow. Without five or ten years of accumulation, it would not be effective quickly, and it was also very tiring.

Directly enter the medical field, develop life-extending medical technology, and make money from the hands of middle- and high-income groups?

The time has not yet arrived, and entering the medical field requires massive financial investment and technology accumulation. The money in Zhou Ming's hands is not enough.

Why don't you go into politics and buy the position of mayor for fun?

This won't work for the time being. The mayor's position is not something you can just take if you have money in your hands. Otherwise, it would be a mess. For example, a rich second-generation kid of a few years old could take the mayor's seat and manage a city with a population of millions. As a leader, is this kind of thing conceivable?

Therefore, there are two conditions for purchasing the mayor's position. One is that you must be over 30 years old; the other is that you must have more than 10 years of working experience in public office.

Yes, money = everything in this world, but that doesn’t mean there are no rules.

It can even be said that money and rules jointly build this world.

There is no need to consider the above paths for the time being.

Based on the experience of exchanging money for more than half a year, as well as following Qian Dalang's travels and gaining knowledge in the world of money messengers, plus the starting capital of more than 50,000 money and 5 billion credit points on hand, Zhou Ming felt that A bigger plan.

It’s called: money begets money.

He wants to be a money messenger like Qian Dalang.

No, his dream is even bigger!

He wants to be a money master, control the exchange and circulation of all money and credit points, and become a "money hand" that no one can do without.

He has many advantages, such as the information advantage of knowing himself and his enemy, complex and advanced financial knowledge, and most importantly: he has a large amount of starting capital in his hand.

So Zhou Ming set a small goal for himself: to establish an "honest bank", establish a firm foothold within one year, take off within three years, and control the two-way exchange business of money and credit points in the entire Yaoxing City within five years.

After he told Qian Dalang about this "small goal" and some of his ideas, even though as a slave controlled by the slave potion, he could not do anything against his master's will and could not even say anything in protest, Qian Dalang still violently He shook his head and said:

"No, this plan won't work. Instead, you will lose everything!"

Qian Dalang expressed several of his views:

1. There are hundreds of similar honest banks throughout Yaoxing City, but none of them have become big. Instead, dozens of them fail every year.

Second, Zhou Ming's proposal of "paying interest on deposits and making profits on loans" will indeed attract some customer deposits, but the loan business will 100% result in losses.

Third, only 1% of the handling fee is charged for each lot of transactions. Large transactions are more favorable, and old members have the same discount... With such a low profit rate, it is only 1/5 to 1/10 of the industry average profit, and it is impossible to make money at all. .

Fourth, after receiving the order, on the premise of ensuring that the customer is satisfied with the exchange ratio, the exchange of money for credit points is completed within 3 days, and the exchange of credit points for money is completed within 7 days... In terms of time, it is simply impossible to achieve.

5. Although it does not take much time and cost to build your own money transaction website, it is impossible to attract more than one million users in a short period of time because there are so many similar websites.

Sixth, these regulations are convenient for customers, but they will become the public enemy and mortal enemy of the entire industry!

7. After the loan is released, if you want to recover it, you will encounter all kinds of resistance, because the law does not protect the interests of loan sharks...

eight,……

In short, as a senior money messenger, Qian Dalang said more than a dozen points of view that rejected his idea in response to the young boss's whims.

"Really? If you don't give it a try, how will you know if you can do it?"

Zhou Ming smiled slightly and glanced at the automatically rocking cradle bed in the living room. In fact, he was already confident in his heart.

Because except for a few of the plans and ideas he conceived were his own original inspirations, most of the other methods almost completely copied the money-making methods adopted by the future genius money messenger, Qian Duoduo.

That is, the "1% handling fee system", "exchanging credit points in 3 days, exchanging money in 7 days", "providing loans to customers", etc. Just these three tricks allowed Qian Duoduo to earn tens of thousands of dollars in fifty years. Thousands of money.

This is what he achieved while working alone and without opening an honest bank.

The core secret of his success is actually four words:

advance consumption

Yes, any customer who has money in their hands will of course want to sell their precious money at the highest price when they are in urgent need of credit points.

Similarly, when customers with extra credit points are looking for channels to purchase money, they naturally hope to exchange it for a smaller amount of money.

However, in a market where the market fluctuates greatly and the exchange ratio is not fixed, it is obviously impossible to meet the needs of both customers at the same time.

Money is a scarce asset and a necessity, and its potential value is much higher than credit points. Therefore, among the customer groups received by Zhou Mingkai's Integrity Bank, those who sell money are far more important than those who buy money.

In order to meet the needs of these customers, Zhou Ming plans to recruit two programmers to build a money trading website and introduce an auction mechanism so that the process of selling each piece of money will go through a round of fierce bidding. Only the highest bidder can win the prize. money.

This is very disadvantageous for those customers who want to buy money, because if he has prepared 500,000 credit points and wants to buy a piece of money, but is bought at a high price of 600,000 credit points, if according to usual practice, he You can only wait for the next auction opportunity, or find other ways to buy the coin at the right price.

The problem is, who doesn’t want to sell the money in their hands at a reasonably high price? As for the customer who is in urgent need of "money" and wants to buy a piece of money at just the right price, he can either try his luck in the long wait or save up the 500,000 credit points in his hand into 600,000.

Now, Zhou Ming has carefully considered these buyer customers and launched a "loan service", lending him 100,000 credit points, allowing him to buy the money first, and then repay the loan slowly over three, five, and ten years. Of course, A certain interest is charged, and the longer the repayment period, the higher the interest.

In this way, the needs of customers on both sides were met, and Zhou Ming's Integrity Bank also gained a certain amount of income from it.

The side effect is: the exchange price of money will inevitably rise, or rise significantly.

The principle is the same as the rising housing prices in Zhou Ming's world. Money is a necessity similar to "commercial housing" (this analogy may not be appropriate, because housing is constantly increasing, and money may not be). It is the main culprit that promotes rising housing prices. , naturally it is the bank.

As a result, housing prices have soared so high that ordinary people cannot afford it. Is the bank at fault? Of course it's partly wrong, but if people weren't trying to buy a house, how could it have gone up so high?

…

So, in the next few months, Zhou Ming first recruited two programmers, named Zhang Jianlin and Lin Sicong. They were experienced and had very good programming skills. They had built dozens of similar money transaction websites, so Zhou Ming After telling them his idea, it only took them two weeks to successfully build a "Money Life Network" with a slightly crude interface but fully functional one.

The website was established. On a fairly busy street in the East Third Ring Road, a currency exchange agency with the brand name "Swift and Honest Electrical Appliance Company" opened its doors quietly after recruiting three employees. It is an underground bank that is too legal, so it is closed during the day and open at night.

At the beginning, the business of the bank was not very good. It could be said that it was extremely deserted. The number of visits and user registrations to Qiansheng.com also increased slowly by single digits every day, which made people anxious.

Until Zhou Ming spent 500 million credit points at once and asked the advertising company to give him a brainwashing advertisement for a month, which was similar to viral spread and bombardment. Because of the sentence "In 3 days, your money can Sell ​​1 million credits; 300,000 credits in 7 days, you can buy the money you urgently need.” In a short period of time, the number of registered accounts on Qiansheng.com quickly exceeded 500,000.

500,000 users met Zhou Ming's basic requirements. Afterwards, he sold nearly 1,500 coins in a month at a rate of auctioning 1 coin every half hour, with an average transaction price of 886,300 credit points ( The price is so low, mainly because some people took advantage of it when there were few registered accounts in the early stage).

Seeing that the average transaction price was so high and the intermediary fees charged were so low that it seemed unreal, some eager customers who wanted to sell their money took the initiative to call the customer service number of Xunjie Chengxin Electric Co., Ltd. (Xunjie Bank). After asking many times to confirm that the preferential terms that excited their hearts the most were genuine, they rushed to Yaoxing City within a few days and handed the money in their hands to Swift Money Bank to auction on their behalf.

As a result, the consumption rate of Zhou Ming's money finally began to slow down. In the later period, even if he did not use his own money and only used customers' money to auction on the website, he would still be able to retain most of the website users.

In addition, due to the website's booming popularity and soaring reputation, Swift Bank's business has finally improved.

Especially when I learned that Xunjie Bank has launched a loan service that allows you to use the loaned credit points to buy the money you need through property mortgage and installment payment. Some people who are eager for money, like the desert looking forward to the rain, turn to Xunjie Bank. , as the last straw that can be grasped.

The first customer to apply for a loan was a 101-year-old old lady. She used her real estate as collateral, borrowed more than 6 million credit points, and purchased 6 coins. She finally saved enough for a mid-term life extension. For money, I went to the cheapest hospital and completed treatment that extended my life by 30 years.

The second customer who applied for a loan was an unemployed young man. He didn’t have any extra money, but he was interested in a job that he could buy with only 70,000 credit points. He hoped that Xunjie Bank could help After he officially goes to work, he will return part of his monthly salary to Swift Bank... Zhou Ming approved the loan.

Zhou Ming actually knew the twenty-eighth customer who applied for a loan. They were old acquaintances. They were his wife Gu Naihui and his brother Gu Naifeng from his previous life. Gu Naihui successfully solved the hotel's crisis and bought a smart kitchen robot, but My brother's tuition has not been settled yet, and I really can't borrow 5 dollars no matter how I borrow it.

It's almost the beginning of the school year, and if Gu Naifeng still can't raise the tuition fee, more than ten years of hard study will be in vain.

"With 5 pieces of money, you need to borrow more than 5 million credit points? You also need to use real estate such as real estate as collateral?"

Gu Naohui shook his head, too much, too much! The hotel's annual profit is only around two million, and one year's tuition will cost the hotel more than two years of profit.

My younger brother's college studies lasted five years.

Wouldn’t it be possible for Gujia Restaurant to make a penny in ten years?

Forget it, no more loans!

Just as he was about to pull his frustrated brother away, a voice came from behind: "I can help you solve the tuition problem, and I don't need you to use the hotel as collateral, as long as you agree to one condition."

"What conditions?"

Gu Naifeng looked surprised, turned around, looked at the thirty-year-old bearded man and said.

"After graduating from university, go to my research institute and engage in research for the rest of your life... Don't worry, your salary will still be paid to you." Zhou Ming said, holding his hands.

"Okay! I promise you!"

Gu Naifeng nodded in agreement without thinking.

This chapter took 6 hours to work on. It’s so brain-consuming. Please subscribe!