Bei Ming: "Master can make money through talisman arrays and inscriptions, and then let the bank gradually grow. If the bank can really succeed, the profits will be amazing. Here, I have a few suggestions for the master."
Ye Ming: "Oh? Beiming, do you have any suggestions?"
"First, banks should not lend to individuals in the early stages, but only to small forces. For example, gangs, small families, escort agencies, restaurants, etc. These forces have generally existed for hundreds of years and will not die or be transferred easily, and they also pay more attention to credit. Lending money to them is relatively safe. Secondly, if an individual wants to borrow money, he must have the above forces as guarantee. In this way, the risk can be minimized and the bank can be gradually expanded. "
Ye Ming nodded repeatedly and said with a smile: "Actually, I also have an idea, which feels a bit whimsical." Then, he told Beiming about the bank's plan.
After hearing this, Beiming didn't speak for a long time, and finally said: "If this idea can be realized, the master will become the richest and most powerful person in Tianyuan Continent!"
It turned out that Ye Ming's idea was to use the seven-yuan arithmetic array to calculate the credit of each trading warrior, and then provide customers with loan amounts based solely on their credit. The Seven-Yuan Arithmetic Array is very powerful. It can use the credit talisman array established in the bank, allowing the bank's operators to instantly obtain and upload the transaction records and credit status of each borrower through the talisman array.
At the beginning, it may be more about collecting information. But with the growth of needle banks and the increase in the number of borrowers, banks can minimize risks by observing the creditworthiness of borrowers. What's more, banks can also sell everyone's credit to other institutions, such as Duobaolou, Escort Bureau, etc., to reduce their business risks.
Once this kind of credit evaluation is established, Ye Ming's low-interest bank will develop rapidly. After all, the cost of borrowing is too high. Only when it is low enough, most people will consider borrowing.
An idea is an idea, and it is still unclear whether it will succeed. The next thing Ye Ming has to do is to make money. Without money, everything is empty talk. Undoubtedly, if he wants to make a difference, Cangxuan Street is the best choice. However, the rent of the shop is extremely high, to the point of being outrageous.
To make matters worse, the last bit of money he had was invested in the bank, and the only thing he could do now was go to the pawn shop. After several rounds of counting, he decided to sell the Wangpinchu Ring on his body. This ring was taken from the Wu Jun who was killed by the Xuanbing Beast. In addition to this storage ring, there is also an emperor-level storage ring, which Xuanbing Beast gave him when they met at the peak, but he is not willing to sell it now.
The price of storage equipment is related to the storage space. Last time, he bought a first-grade storage ring, which was sixty feet long, ten feet wide and nine feet high. The price was as high as 50,000 Martial Lord Coins. But this king-grade storage ring is eighty feet long, thirty feet wide, and twenty feet high. It sells for almost 450,000 Martial Lord Coins. It can be sold for two to three hundred thousand in a pawn shop.
There was a pawnshop on Cangxuan Street, and he quickly pawned the ring and got 240,000 Wu Zun coins, which was barely enough.
Then, he chose a very small shop on Cangxuan Street through an intermediary called "Yashi". The shop is three feet long and five feet wide. It has only one room, and it was only vacated yesterday. Ye Ming asked about the rental price and was shocked. The monthly rent for such a small shop is 1.2 million! And the price can't be negotiated.
Ye Ming roughly calculated that for such an expensive rent, the landlord would be able to make back the money in about five years. He couldn't help but think that if he could buy the place to sit on and collect rent, the profits would be quite high!
The rent is naturally very expensive. Ye Ming said that he can only pay for six days for the time being, which is 240,000. After six days, he will pay subsequent rent payments. The landlord agreed after thinking about it. If Ye Ming had no money to pay the rent after six days, he would just evict him. After all, it takes time to find other tenants. If you don't do Ye Ming's business, the profits made in the past few days will be wasted.
During the transaction, Ye Ming learned that the landlord only had such a shop, which had been in his family for five generations, and the annual income was in the tens of millions. Precisely because of such a huge income, although this generation of landlords have poor qualifications, their cultivation is very high, and they are now martial masters.
Ye Ming secretly sighed, as the saying goes, a shop can support three generations, and it seems to be true!
After the two parties signed a contract, Ye Ming officially moved in. The landlord was a generous person and said that if there was less than half a day left on the first day, it would not be counted as rent. Ye Ming was very grateful.
Time was precious, so after taking over the shop, he hired craftsmen to decorate it hastily, bought a large shelf, and separated a ten-foot-square independent space in the back for making talisman inscriptions. At the same time, he also found an old shopkeeper with rich experience and good character to help with sales.
The old shopkeeper is a martial artist, his surname is Tong and his name is Zhong. He is over a hundred years old. He has been working in this industry all his life. He has a vicious eye and a sharp mouth. He is very famous on Cangxuan Street. However, the salary he wanted was also high, 30,000 Wuzun coins per month, and Ye Ming immediately agreed.
Shopkeeper Tong was responsible for the decoration outside, while Ye Ming hurriedly made talismans in the small cubicle. He had experience in making and selling talismans before. He felt that the inscription talismans were relatively scarce and the price was high, so he planned to make a batch of inscription talismans first. At that time, he only had six yuan arithmetic formations and forty-two levels of restrictions, and he could produce a large number of high-quality talismans in a short period of time. Now he has 280 levels of inscription restrictions, 360 levels of talisman formation restrictions, and the assistance of the seven-yuan arithmetic array. He can definitely be called a super master in this field. Making talisman is more important to him. It couldn't be easier. As long as there are enough materials, a talisman can be made successfully with a snap of your fingers.
An hour later, Ye Ming used up all the talismans he had purchased before. He actually made a hundred inscription talismans in one go, including ten higher-grade seventh-level talismans and ninety lower-grade fourth-level talismans. symbol.
He opened the door curtain of the compartment, handed the talisman to shopkeeper Tong, and said, "Old Tong, you sell these talismans first."
Old Tong smiled and asked: "Master, how effective are these inscriptions?"
Ye Ming said: "Ninety of the fourth-level talismans can increase the strength by 10%, and ten of the seventh-level talismans can increase the strength by 15%. You are more experienced in terms of price. It is up to you to decide. It is best to be cheaper than other companies. "
Old Tong smiled and said: "The price of Duobaolou's fourth-level inscription talisman is about 15,000. If an average person buys it, it will cost 12,000 after discount. Let's do this, we will sell it for 9,000. As for the ten seventh-level talismans, Bao If the real estate price is at least 30,000, we will sell 18,000 Martial Lord Coins. Of course, the final price depends on the quality of the inscription talisman. If the quality is good enough, it is not impossible to increase the price. Some good-quality fourth-level inscriptions The talisman can definitely be sold for more than 50,000 yuan."
Ye Ming nodded: "Okay, I'll leave it to you."
Old Tong Ke was much more experienced than Ye Ming. After getting the inscription talisman, he immediately placed the table at the door of the shop and shouted loudly: "Big opening bonus! All inscription talismans are sold at a 40% discount. The quality is high, On-site inspection, no charge if the effect is not good, if the effect is good, please promote it more!”
Cangxuan Street is fifty feet wide and extremely bustling with people coming and going. When Old Tong called out, many people immediately gathered around. A customer asked: "I told you, shopkeeper, that there is a 40% discount. Is it true or false? Can your charm be used? What is the increase of 40%?"
"The fourth-level inscription talisman with a 10% increase was originally priced at 15,000, and the current price is 9,000! The seventh-level inscription talisman with a 15% increase was originally priced at 30,000, and the current price is 18,000!" Old Tong said, "Today is our opening day Grand ceremony, that’s why we have this kind of discount, but it will be gone tomorrow. If you are passing by, don’t miss it!”
"I'm buying a nine-thousand-dollar coin, but don't cheat anyone. I'll use it on the spot." A customer bought the nine-thousand-dollar Wuzun coin on the spot, took an inscription talisman, and pressed it into his weapon. It was a short sword. The light of the talisman flashed, and strange rune patterns appeared on the short sword. Something similar to human meridians and acupuncture points was formed in the blade, which was extremely delicate.
"Huh? The quality is so high! It's almost the same as my body!" The man was surprised. "Such a good talisman is rare in Duobaolou. Even if it is sold, the price is definitely not 15,000. , at least fifty thousand!"
"It's not a trap, right?" People were dubious, and a second person immediately tried. But the result was the same. The buyers all looked ecstatic and shouted: "What a profit! The quality of this talisman is very high!"
Everyone was shocked, so more people joined in the rush.
"Amazing! It's definitely the work of a great master!"
"Gang Jin operates smoothly and naturally. It's actually smoother than my body's meridians. Damn it!"
"The speed of spiritual energy running is no slower than that in the body. The amplification effect seems to be more than 15%, which should be about 16%! This talisman is worth it!"
One person is trustworthy, two people may be trustworthy, but when more than a dozen or dozens of people buy and praise it, it cannot be trustworthy, so people start panic buying. One hundred talismans were sold out in less than a quarter of an hour, earning 990,000 Martial Lord Coins!
"Shopkeeper, is there anything else? Besides the inscription talisman, is there anything else?"
The shopkeeper said with a serious face: "I'm sorry, our store has limited sales today, and that's it for today. If you still want to buy, please come back tomorrow. We will have the same discounts tomorrow, but of course they won't be as big as today."
After saying that, he packed up the tables and chairs and closed the store door.
Ye Ming didn't expect it to sell out so quickly. When he saw Lao Tong walking in with a smile on his face, he asked, "Is the talisman okay?"
"More than that, my boss, you are definitely a great master of Talisman Dao! It's really a loss today, the price is too low!" The shopkeeper said with a smile, "By tomorrow, the fourth-level Talisman will sell for 20,000, and the seventh-level Talisman will sell for 50,000! Don’t worry, the owner, the price is not high. Based on my experience, those people will still rush to buy it. Amulets of this quality cannot be bought with money."
"Do you want it to be so expensive?" Ye Ming touched his chin, "Okay, let's do this for today. I'll go to Duobao Building to buy some materials."
Ye Ming paid the money from the shopkeeper and came to Duobao Tower. The talisman papers he used before were all primary talisman papers and ink. They were fine for making low-end talismans, but not suitable for high-end talismans. With his current level, making holy talismans is no problem. Of course, he must use good talisman paper and talisman ink.