Zhou Zikun surrendered, and Cardinal Han had nothing to say. Fu Taixu immediately announced that Ye Ming had officially become the wealth-gathering elder of the Yin-Yang Sect. Elder Zhaocai's annual salary is as high as one million Martial God Coins, and if he makes enough money, he will receive a large amount of dividends. He is definitely a fat guy who can make money even while lying down.
At this point, the apprenticeship ceremony was completed, and all the elders left one after another, leaving only Ye Ming and Yi Xiantian. Yi Xiantian said: "Ye Ming, a cardinal disciple is not idle. You must be promoted to Martial Lord before the age of thirty, otherwise you will be deprived of the qualifications of a cardinal disciple. In addition, the annual contribution points earned by a cardinal disciple cannot be less than one billion. You have to pay attention to these.”
Ye Minghun didn't care. It wasn't a problem for him to contribute something like Wujun. He smiled and said, "Don't worry, Master, I know it well." Then he expressed his intention to participate in the Qinglong Sword Fighting Club.
Yi Xiantian smiled and said: "Why, do you want to win first place?"
"My disciple has cultivated the Xuantian White Emperor Sword, you can try it." Ye Ming said, "It's just that the price of the challenge is too high."
Yi Xiantian's eyes lit up: "I actually succeeded in cultivating the Xuantian White Emperor Sword! Okay, let me find a way to deal with Caitou. You just need to participate."
Ye Ming knew that the matter was settled, and said happily: "Master, I will definitely win a few cities for you!"
Yi Xiantian smiled faintly: "Things won't be that simple. Just go all out and let me handle the rest. Don't run around these days. Learn the way of the talisman formation from me first."
In this way, in the next half month, Ye Ming spent most of the time studying Talisman with Yi Xiantian, and made very rapid progress. Even Yi Xiantian praised his understanding of the Tao of Talisman and said that he would definitely surpass him in the future.
Since he had already taken over the position of the wealth-recruiting elder, it took Ye Ming half a month to finally officially take over this position. Elder Zhaocai also has a large number of subordinates. Ye Ming didn't have time to get familiar with these people, so he invited Yu Xianxian to help him with daily management work. As an elder who attracts wealth, he has the right to recruit new people to follow him, and Yu Xianxian is the first one.
Yu Xianxian was studying mathematics, and the assignment Ye Ming gave her was exactly what she wanted, so she naturally agreed readily. The only thing he asked Yu Xianxian was to visit all the sect gangs affiliated with the Yin Yang Sect, and then investigate their sphere of influence, the population and cities they controlled, their influence, etc.
The bank he founded back then was taken away by the Haotian Sect. Although it was a last resort, he was still unwilling to do so. Now that I have become the wealth-recruiting elder of the Yin-Yang Sect, I naturally have to put my ambitions into full play, because regardless of public or private life, I have to do my job as a wealth-recruiting elder.
One moment and the other, when he first founded the bank, the conditions were very poor. First, he had no one, and second, he had no money. He was trying to gain experience on his own. But now that he has a fortune of tens of billions and has the great backer of the Yin Yang Sect, it is really not difficult for him to run a bank.
While letting Yu Xianxian go out to investigate, he sent people to Qinglong Imperial Capital to register a bank. In his vision, in the future, money banks will definitely open to all parts of the dynasty, so registration must be done in the imperial capital of the Qinglong Dynasty. The Qinglong Dynasty has very strict management of business operations. Locally registered shops, banks, etc. can only be operated locally. If you want to operate within the entire dynasty, you have to spend money to register, and it costs a lot of money.
For example, the "Tongli Bank" that Ye Ming wants to register has a registration fee of up to 100 million Wushen coins, and a 10% royal tax will be paid every year based on the profit. This kind of imperial tax only applies to merchants with semicolons in the entire dynasty, such as Duobao Tower. If it is a local business, it only needs to pay taxes to the local government.
Running a bank requires experienced manpower, so before sending Yu Xianxian out to investigate, he hired Fu Biao, Ma Tai, Gongsun Yan, Chen Xing, Cui Jingang, Zheng Yiping, and Yang Dengfeng from Sitong Bank. . Fu Biao and others not only came here by themselves, but also brought a large number of smart and reliable subordinates.
It was learned from them that the Sitong Bank established by Ye Ming had strong profitability. However, the bank is still limited to Cangxuan Street and has not developed outwards.
With this group of experienced seniors, it would be much easier for the bank to do things. Ye Ming only had to point out the general direction, and they would handle the rest. Moreover, he, the wealth-seeking elder, has privileges. Fu Biao, Ma Tai, and Gongsun Yan were assigned the positions of outer sect elders respectively. Yang Dengfeng, Chen Xing, Cui Jingang, and Zheng Yiping also became outer sect disciples.
There are two days left to attend the sword fighting competition. Ye Ming called Chen and others to the Divine Thunder Palace to explain the follow-up situation of the bank. Everyone is an old acquaintance. Ye Ming asked the maids to prepare a table of dishes and talk about things while eating and drinking.
During this period, Chen Xing said: "Boss, Tongli Bank will not be yours from now on, but will be from the Yin Yang Sect?"
The relationship between everyone is complicated. Now that Ye Ming is a disciple of the Cardinal, everyone should call him Master. So Ye Ming simply asked them to call him boss to avoid trouble.
Ye Ming nodded: "Although the bank is not mine, I can get dividends every year, which is a lot of money. And without the funds and background of the Yin Yang Sect, we can't build this bank."
Fu Biao said: "Boss, are you ready to do what you did before? I feel that Sitong's structure is too small and there is no future in the short term."
Ye Ming waved his hand: "Of course not. There are as many as twenty-six affiliated sects under our Yin Yang Sect. This does not include some large gangs, escort agencies, chambers of commerce, casinos, etc. These forces are spread all over Eastern Qi, and even developed When it comes to other vassal states, my idea is to use these forces as the core and use their local influence to help us develop banks."
"For example, the Shen Dao Sect is an affiliated sect of the Yin Yang Sect, with a population of more than 200 million within its sphere of influence. The Shen Dao Sect has a huge influence in the local area. The locals not only trust the Shen Dao Sect, but also worship the Shen Dao Sect. We are proud of our bank." Ye Ming said, "If Shen Dao Sect is willing to use their credibility and influence to help us run the bank, the bank can develop at the fastest speed."
Yang Dengfeng thought for a while: "What does the boss mean by cooperating with the Shen Dao Sect?"
"It's not cooperation. The bank's profits will be divided among them based on their contribution. And as an affiliated sect of the Yin Yang Sect, it's too late for them to curry favor with us. How can there be any reason not to cooperate?" Ye Mingxiao He said, "Things like borrowing money and not repaying it can be handled by the Shen Dao Sect. As local snakes, the locals will not show mercy to them."
"Wonderful!" Gongsun Yan's eyes lit up, "In this way, the bank's business can be spread immediately, and I'm afraid it won't take long to make a profit."
Ye Ming took out an account book and sighed: "I originally thought that the Yin-Yang Sect must be very rich because it earns so much every year. But now I discovered that in recent years, the Yin-Yang Sect has gradually been unable to make ends meet. Last year alone, the deficit was as high as 100 yuan. Thirty Martial God Coins. As a fortune-seeking elder, I only have 1.2 billion Martial God Coins at my disposal right now. And of these 12 billion, I can only hold more than half of them in my hand. It will be used in half a year. To repay debts.”
"So our time is limited. Within half a year, we will start the bank. As long as there are enough people saving money, we will have cash flow. With cash flow, the chicken will lay the egg. Will there be such a thing by then? Twelve billion, it doesn’t matter anymore.”
"How should the interest be determined?" Cui Jingang asked, "Should we still stick to the original rate?"
Ye Ming said: "We have to be more flexible when saving money. The monthly interest is 1%. If you save for one year, the annual interest will be 20%; if you save for three years, the annual interest will be 30%. As for the interest on loans, if it is within one year, It will still be charged at 40%; if it is more than one year old, it will be charged at 50%; if it is more than three years, it will be charged at 60%."
"In this way, even if we only put out half of the deposited money, it will still be profitable." Ye Ming analyzed, "However, based on my calculations, it is best not to exceed 70% of the ratio of putting money to saving money in the future. , absolutely cannot exceed 90%.”
During this meal, Ye Ming basically set the bank's future business policy, and left the rest to everyone while he concentrated on preparing for the sword fight two days later.
From the apprenticeship ceremony to now, his cultivation has deepened. He has broken all the second-level meridians, re-condensed 81 second-level spiritual veins, and successively transformed the Yuan Jin array in the 362-level acupoints. For the spirit array.
Eighty-one secondary spiritual veins were formed, Ye Ming's body was immediately filled with spiritual energy, and the eight main spiritual veins suddenly became several times wider. He vaguely felt that his strength seemed to have exceeded two million kilograms. Even Wu Zong couldn't do it with a huge force of two million kilograms.
Generally speaking, Wu Zong's strength limit is one million kilograms. The strength of more than one million kilograms can only be achieved by Lord Wu.
Two days before the sword fight, Ye Ming practiced Xuantian Sword, Yin Yang Sword Technique, Four Symbol Sword Technique, Bagua Sword Technique, and Great Zhou Tian Sword Technique every day. Every time he practiced it again, he seemed to gain a new level of understanding. Gradually, the Four Elephant Sword in his hand is no longer more profound than the Yin Yang Sword; the Bagua Sword is no longer more profound than the Four Elephant Sword Technique. In his opinion, any sword technique is the same in his hands.
This feeling became stronger and stronger, and the night before the sword fight, he suddenly slowly moved the Xuantian Sword, over and over again. Gradually, his swordsmanship became more and more strange, like Yin and Yang, like the Four Symbols, like Bagua, like the Great Zhoutian. If any other disciples see him practicing swordsmanship like this, they will definitely think that his swordsmanship is one of the "four different things", and it is related to any one of them, but it is not entirely true.
When the light came out, he sheathed his sword and stood there with a smile on his face, seemingly very happy.
"Yes, I didn't expect you to understand the principle of 'people are stronger than moves' at such a young age." At some point, Yi Xiantian appeared with a smile.
Ye Ming smiled slightly and said: "Master, when I abandon the sword in my hand, it is not too late for you to praise me."
Yi Xiantian was surprised and happy, and nodded repeatedly: "Okay, that's great!" Then he laughed "haha", very happy.