Urban Sims

What should I do next?

This is the problem that Zhou Ming started to think about when he had a start-up fund that he could use with confidence.

There are many optional roads, plus the accumulation of the previous game, no matter which way to go, there is no need to worry about a big fight.

The problem is that it takes the fastest path, the highest probability of success, and the least risk.

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

Shaking his head, it's too slow. Without five or ten years, it won't work soon, and it's very tiring.

Go directly into medical treatment, develop medical technology for life extension, and make money in the hands of middle and high income groups?

It was not yet the right time, and entering medical treatment required huge amounts of money and technical accumulation. The money in Zhou Ming's hands was not enough.

Why not buy a post of mayor and come to play?

This will not work for the time being. The position of mayor is not because you have money in your hand, you can sit casually, otherwise it will not be messed up, such as a few-year-old rich second-generation children who spend money to manage cities with a population of one million As the mayor of the city, can such things be imagined?

Therefore, there are two conditions for purchasing the position of mayor, one is to be over 30 years old, and the other is to have more than 10 years of work experience in public office.

Yes, this world is money = everything, but it does not mean that there are no rules.

It can even be said that money and rules have built this world together.

The above-mentioned routes are not considered for the time being, and it is not easy to go for the time being.

According to the experience of exchanging money in the past six months, and the experience of following the big waves of money in the world of money messengers, and the starting funds of more than 50,000 money and 5 billion credit points on hand, Zhou Ming ’s heart has A bigger plan.

Name: Money makes money.

He wanted to be a money messenger like Qian Dalang.

No, his dream is even bigger!

He wants to be a money master, control all the exchange and circulation of money and credit points, and become a "currency hand" that everyone can't leave.

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

Zhou Ming has set a small goal for himself: to establish a "integrity bank", to gain a foothold within one year, to take off within three years, and to control the two-way exchange business of money and credit points throughout Yaoxing City within five years.

After he told Qian Dalang this "small target" and some of his ideas, even as a slave controlled by a slave potion, he could not do anything against his master, even if he protested against it, Qian Dalang still violently Shaking his head:

"No, this plan will never work, but will lose yourself!"

Qian Dalang stated his points:

One, similar integrity bank, there are hundreds of houses in the entire Yaoxing city underground, but no one is bigger, but dozens each year.

Second, you put forward "deposit interest payment, loan profit", it will indeed attract some customers to deposit, but the loan business, 100% will lose money.

Third, only 1% of the transaction fee is charged for each transaction. Large-volume transactions are more favorable, and the same for old members ... This profit rate is only 1/5 to 1/10 of the industry's average profit, and no money can be made.

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

Fifth, the establishment of its own money trading website consumes little time and cost, but in the short term, it takes a lot of overhead and time to attract more than one million users, because there are so many similar websites.

Sixth, these regulations are convenient for customers, but will become the public enemy and dead enemy of the entire industry.

7. After the loan is released, if you want to take it back, you will encounter various resistances, because the law does not protect usury businessmen ...

Eight,……

In short, as a senior-level money messenger, whimsical about the young boss, Qian Dalang expressed a dozen views that denied his ideas.

"Really? Without a try, how do you know if it will work?"

Zhou Ming smiled slightly and looked at the cradle bed in the living room that was automatically shaking. In fact, he was already confident.

Because the methods he conceived, except for a small part of his own original inspiration, most of the other methods are completely copied from the future genius money messenger-a lot of money, the winning method.

Such as "1% handling fee system", "3 days to exchange credit points, 7 days to exchange money", "provide loans to customers", etc., just these three tricks, so that more money in 50 years, earn ten Ten thousand money.

And still achieved in singles alone, without the integrity of the bank.

The core secret of his success is actually four words:

Pre-consumption

Yes, any customer who has money in his hand, when he needs credit points urgently, of course hopes to sell the money to the highest price.

Similarly, customers who have excess credit points in their hands, when they want to buy money, naturally hope that they can exchange a small amount of money back.

However, in a situation where the market volatility is large and the exchange ratio is not fixed, it is impossible to meet the needs of both customers.

And money belongs to scarce wealth, just-needed goods, and the potential value is far above the credit point. Therefore, among the customers of the honest money bank Zhou Mingkai, customers who sell money are more important than customers who buy money.

In order to meet the needs of these customers, Zhou Ming plans to recruit two programmers, build a money trading website, and introduce an auction mechanism. During the sale of each money, it will go through a round of auctions. Only the highest bidder can win the money. .

This is very detrimental to those customers who want to buy money, because if he has prepared 500,000 credit points and wants to buy a piece of money, he is bought with 600,000 credit points. If it is in accordance with the usual practice, he only Can wait for the next auction opportunity, or seek other ways to buy the money with just the right price.

The problem is that the person does not want to sell the money in his hand at a reasonably high price, and the customer who desperately needs "money" and wants to buy a piece of money with just the right price, either have to wait for luck in a long wait, or, Take 500,000 credit points in favor of 600,000.

Now, Zhou Ming considers these buyers and customers, and launches a "loan service". He gives him 100,000 credit points, so that he can buy the money first, and then the loan will be repaid in one year, three years, five years and ten years Of course, charging a certain amount of interest, the longer the repayment period, the higher the interest.

In this way, the needs of customers on both sides have been met, and Zhou Ming's integrity bank has also obtained certain benefits from it.

The side effect is that the exchange price of money will inevitably rise, perhaps, a substantial increase.

The principle is the same as that of Zhou Ming ’s rising house prices in the world. Money is a rigid commodity similar to a “commodity house” (this analogy is not appropriate, because houses are constantly increasing, and money may not necessarily be). Naturally it is a bank.

As a result, housing prices are so high, is the bank wrong? Of course there is a part, but if not everyone wants to buy a house, how can it rise so high?

...

So, in the next few months, Zhou Ming first recruited two programmers named Zhang Jianlin and Lin Sicong, and their programming skills were quite good. In addition, they had done dozens of similar money trading networks, so Zhou Ming put After telling them of their own ideas, it took only two weeks to successfully build a "money life network" that was slightly rudimentary but fully usable.

The website is available. On a fairly prosperous street near the 3rd ring road in the east of the city, a currency exchange agency with the brand name of "Swift Integrity Electric Company" has recruited three staff members and quietly opened its doors for business. The underground bank is too legal, so it is closed during the day and open at night.

At the beginning, the business of Qianzhuang was not very good, it can be said that it was extremely cold, and the number of visits and user registrations of Money Life.net also grew slowly with single-digit data every day.

Until Zhou Ming once smashed 500 million credit points at once, let the advertising company hit him for a month, after brainwashing advertisements like virus infection and bombing, because the sentence "3 days, your money can be Sell ​​1 million credits; 7 days, 300,000 credits, you can buy the money you badly need "advertising words, the number of registered accounts poured into Money Life.com, quickly exceeded 500,000.

Half a million users basically met Zhou Ming's initial requirements, so he auctioned one piece of money every half an hour. Within a month, nearly 1,500 pieces of money were auctioned, with an average transaction price of 88 .. 630,000 credit points (the price is so low, mainly because when there are few registered accounts in the early stage, it was picked up by some people for cheap).

Seeing that the average transaction price is so high, and the intermediary fee charged is low, it makes people feel unreal. Some hot-selling customers who want to sell their money actively call the customer service phone of Xuncheng Chengxin Electric Co., Ltd. After inquiring many times in a row, after confirming the most favorable terms and conditions, they arrived at Yaoxing City within a few days and handed over the money to Swift Bank for auction.

As a result, the speed of money consumption in Zhou Ming's hands finally began to fall. Later, even if he did not take out his own money and put it on the website for auction, he could retain those users on the Internet.

In addition, due to the popularity of the website and the rapid rise in word of mouth, the business of Quick Bank has finally started to improve.

Especially when I learned about the Quick Money Bank, I launched a loan service that can use the credit points I borrowed in the form of property mortgage and installment payment. After buying the required money, some people who crave money, such as the desert looking forward to Gan Lin, put the Quick Money Bank , As the last life-saving straw that can be caught.

The first customer to apply for a loan was an old lady who was up to 101 years old. She used her real estate as a mortgage, borrowed more than 6 million credit points, bought 6 money, and finally saved enough for mid-term life extension. Money, went to the cheapest hospital, completed the treatment for 30 years of life extension.

The second client who applied for a loan was an unemployed young man who had no extra money in his hand, but was interested in a job that could be purchased for as long as 70,000 credit points. He hoped that Quick Money Bank could help He, after he officially went to work, returned a portion of his monthly salary to Swift Bank.

The 28th customer who applied for a loan, Zhou Ming, actually knew and was an old acquaintance. The wife of the last life, Gu Naihui, and his brother Gu Naifeng, Gu Naihui solved the crisis in the hotel and successfully bought a smart kitchen robot, but his brother The tuition fee has not yet been settled. Five dollars can't be borrowed.

Now the school is about to start. If you can't raise tuition fees, Gu Naifeng has been studying hard for more than ten years, but she will be in vain.

"Five dollars, a credit of more than 5 million yuan? Do you want to mortgage real estate and other real estate?"

Gu Naihui shook his head ~ www.readwn.com ~ Too much, too much! The hotel ’s one-year profit is just over 2 million credit points. One year ’s tuition costs the hotel ’s two-year profit, but his brother ’s university requires five years.

Isn't the Gujia Hotel not earning a penny in ten years?

Forget it, forget it!

I was about to pull my disappointed brother away, and a voice came from behind: "I can help you solve the tuition problem, and I don't want you to use the hotel as a mortgage, as long as you promise me a condition."

"What conditions?"

Gu Naifeng looked surprised, turned his head and looked at the 30-year-old bearded man.

"After graduating from college, go to my institute and do research for a lifetime ... rest assured, the salary will still be paid to you." Zhou Ming hugged.

"Okay! I promise you!"

Gu Naifeng nodded without thinking.