Building infrastructure in a digital world

Business three:
Money Account Creation/Upgrade
Introduction: When the stored amount reaches one copper coin, you can open a money account (account) in the bank for free. There are five levels of money accounts in total. When you meet the conditions, you can go to the bank to upgrade.

Money household: Exclusive to each person, where the money is stored in the bank. The level of the money household will affect the authority in the bank. The more money in the money household, the higher the level and the more authority.

Business [-]: Interest signing (exclusive business for money accounts)
Introduction: When the money storage reaches a certain amount, you can sign an interest agreement with the bank. When the conditions of the interest agreement are met, the bank will add additional interest to the money account.

Interest: The fee paid by the bank to the depositor. The more money you store and the longer the time, the more interest you will have.

Business Five: Money Borrowing (exclusive business for money accounts)
Introduction: None
Note: not yet open

Business [-]: High-profit investment (exclusive business for money users)
Introduction: None
Note: not yet open

[The above business is only valid in the Sunset Territory, and the Territory has all rights of interpretation. 】

……

After reading the entire page, Su You was astonished. She really hadn't thought of it, but within three or four days, Jin Luo had already thought of so many things.

Business [-] may seem simple, but it is actually very practical.

Because when everyone needs money, there is no electronic payment here, and those traders who hang out in the trading area all year round are worried about the amount of copper coins, which are too heavy.

And rich people will always have special needs, so this business of Qianzhuang can just help them a lot.

Money is the most important thing in the bank, and it is not difficult to exchange copper, silver and gold currencies with each other, not to mention that Suyou also has the ability to exchange unlimited currencies of equivalent value.

Business [-] is nothing, this is the most common and basic function of all banks.

And from the beginning of business three, it was a routine set by Jin Luo.

The handling of money accounts is extremely simple, and it can be done for free by depositing a copper coin, which is equivalent to unconditional free handling.

The interest business is tied to the money account, so as long as everyone wants to earn interest, they will definitely apply for the money account. In addition, there are almost no conditions for the money account, so almost everyone will apply for the money account.

With rich households, there will be interest money, and they will save money if they have interest money. Now that the money is saved, it is basically impossible for them to leave the sunset territory.

Because no matter whether it's money households, interest rates, or anything else, these are exclusive businesses in the Sunset Territory, and they are not available in other places.

Over time, these people will be stable in the Sunset Territory. At that time, even those who belong to them will probably withdraw from the original territory and join the Sunset Territory.

Although business [-] and business [-] are not open yet, since Jin Luo has released the names of the business, it means that she has already made plans, but there is no condition to implement them yet.

Business five is understood literally, and Su You thinks it should be a 'loan'. As for business six, Su You thinks it should be something similar to financial products, but I don't know what Jin Luo thinks about it. I can discuss this with you later. She talked in detail.

……

In general, Jinluo's operation can not only collect a lot of money for the bank in a short period of time, but also indirectly help the territory increase its population. It can be said that it is an excellent talent.

After amazed, Su You pulled out the other two sheets of paper.

Among them, the second one is the upgrading conditions and level privileges of the wealthy households, and the third one is the ratio and conditions of interest signing.

The second sheet of paper—

"Money Account Description"

Upgrade conditions:

Level [-]: If the deposit amount reaches one copper coin, you can create a money account for free and upgrade to level [-].

Level [-]: If the deposit amount reaches one gold coin, it can be upgraded to level two for free. When the amount of the money account is less than one gold coin, the level of the money account remains unchanged.

Level [-]: If the deposit amount reaches [-] gold coins, it can be upgraded to level [-] for free. When the amount of the money account is less than [-] gold coins, the level of the money account will be reduced to level [-].

Level 1: The deposit amount reaches [-] gold coins, and the monthly net deposit amount (deposit minus withdrawal) is not less than [-] gold coins. If the monthly deposit amount is less than [-] gold coins, the following month Money account level will be reduced to three levels.

Level [-]: temporarily closed

Money account permissions:

Level [-]: The free amount of coin exchange is increased to [-] silver coins, unlocking the interest signing business, and the interest contract can be signed at level [-].

Level 1: On the basis of having all the permissions of all first-level money accounts, the number of coin exchanges will be increased by one, and the free limit will be increased to one gold coin. gold).

Level 100: On the basis of having all the permissions of all secondary money accounts, the number of coin exchanges will be increased by one, the free amount will be increased to ten gold coins, the level of interest contracts can be signed is level three, and the amount of money borrowing will be increased to 500~[-] gold coins , Unlock the high-profit investment business.

Level 1000: On the basis of having all the permissions of all level 10000 money accounts, the number of coin exchanges is increased by one, the free amount is increased to [-] gold coins, the level of interest contracts can be signed is level [-], and the amount of money borrowing is increased to [-]~[-] The proportion of gold coins and high-profit investment business has increased.

Level [-]: temporarily closed

……

Just after reading the second piece of paper, Su You already discovered that Jin Luo's ambitions were huge.

Don't look at anything else, just the upgrade conditions of the third-level money account and the fourth-level money account can illustrate this point.

Obviously, the upgrade condition for the second-level money account is only one gold coin, but the third-level money account has already reached one hundred gold coins, and the fourth-level money account has reached 1 gold coins.

You must know that it is good enough to have a total of thousands of gold coins in a bank in a small territory, but when it comes to this place, it is far from even reaching the level of a fourth-level money household.

Ambition is a good thing, but Su You is also worried that Jin Luoguang has an ambition, but in the end, she doesn't have a complete plan and ideas, or these ideas can't stand the test at all, and then the economy of the entire territory will collapse .

However, at least for the time being, Su You feels relieved after reading the content of the third sheet about data.

This piece of paper is different from the one published outside. It is a draft that Jinluo calculated after repeated calculations. In addition to the signing data of the interest rate, there is also the process of calculating the data by Jinluo.

Even if Su You didn't know anything before, as long as she read these formulas, she could know that Jin Luo's arrangement was completely fine.

Su You didn't know how long she had been waiting, she didn't have to wait, anyway, almost all the things she wanted to ask tonight had already been seen on these three pieces of paper.

But it was precisely because of these three pieces of paper that Su You didn't want to leave.

It's just that she didn't expect that the wait would last more than two hours, from seven o'clock in the evening to nine o'clock in the evening.