Cultivation starts from being a ghost

Chapter 528
In the secret room, Qin Chuan sighed and told about the situation that he might face in the future. Long Feixue couldn't help but turn pale. She really didn't expect the consequences to be so serious. The foundation of the Long family might be ruined in her hands, "Brother Yi , what should I do, if that day really comes, how can I face the ancestors of the Long family?"

"Don't worry too much, that's just the worst outcome, and the billing number is only an intention at present, and has not yet been implemented. We can fill in the loopholes in advance, and at the same time, we can prepare a method in advance!"

"Brother Yi, I listen to you!"

Qin Chuan tried his best to recall the banking system and the methods of avoiding risks that he knew in his previous life, and then he made up hundreds of terms.

To sum up, there are several main points: adopt the double-entry bookkeeping method to replace the running account; improve the supervision and assessment system and limit the power of the big ticket managers; first conduct a pilot project and strictly control the scale of loans; and the most important one is the reserve fund system.

Long Feixue regards these clauses as treasures, and asks for advice on everything she doesn't understand. In her opinion, even if they don't need to be used in the ticket number, it is very practical to use in other commercial firms.

At the same time, several people in a secret room in Dragon City were chatting and laughing, "Old Gao, you have worked so hard all these years, you have worked hard!"

"It's still the owner's cleverness. Long Er's idiots are really good at being a bank account. If that's the case, how can it be their turn for the Long family!"

"Hehe, brother Gao is playing well with this move. When our two families swallow the Longteng Merchant Alliance, you will be the head of the business!"

"Thank you for the compliment, I think that little girl Long Feixue still has some concerns, you two might as well help her make up her mind!"

"No problem, we have already contacted the manpower at sea, I believe there will be good news soon!"

The few people talked for a long time before they left excitedly. The place where they met was very hidden, but don't forget that this is Dragon City, where the power of the Dragon Family is deeply rooted, and they couldn't hide it from some people's eyes and ears.

Before Qin Chuan and Long Feixue finished talking, a black shadow appeared in the secret room like a ghost, "Miss San, Fellow Daoist Qin, there is indeed something wrong with that Gao Changhua!"

"Senior Sun, do you know what they talked about?"

"The other party is very guarded and can't find out, but there is news from the nails planted in those two families that they seem to be doing something at sea!"

"Hehe, it seems that they want to help Feixue make up his mind!"

Long Feixue was furious, and gritted his teeth: "I think he is a talent, I let him down last time, I didn't expect him to dare to eat inside and out!"

"Is this Gao Changhua the manager of the auction house in Liantian City back then?" Qin Chuan recalled that the first time he saw Long Feixue was when she was attacked in Liantian City.

"it's him!"

"I said, why is he so familiar? Although this person is a white-eyed wolf, he is indeed a talent!"

"It's a disaster to keep him, why not..."

"Don't startle the snake, now they are in the open and we are in the dark. It is to our advantage to keep him!"

……

A month later, news came from the sea that the treasure ship of the Longteng Merchant Alliance was attacked by pirates and suffered heavy losses. This news directly broke the last nerve of conservative shareholders, and all shareholders tried their best to promote the billing account.

Under strong pressure, Long Feixue had no choice but to agree, but after she argued hard, she finally came up with a more cautious plan. First, she opened four bank accounts for trial implementation, one in Longcheng, one in Liantian City, and one in Tongtian. In You City, there is another family in Liufang City.

Some people think that the steps are too small, but after all, Long Feixue has the final say in the Longmeng Business League, so she had to follow her way. The Liantian City he is most familiar with is Tongyou City.

Qin Chuan left Longcheng contentedly. During this trip, he purchased a large amount of spiritual grass through the channel of Longteng Merchant Alliance, which was enough for him to raise his level of alchemy to another level.

Along with Mu Yilian, there was also Long Yuan, who was not only the deacon in charge of the Tongyou City ticket bank in the future, but also the role of liaison officer. He talked to Aunt Qin, coaxing Mu Yilian into a smile.

There was nothing to say all the way, after returning to Hades Sect, first went to Lu Yangtian to sell the leave, and then went to Tian Chengzhi, the two discussed secretly for a long time, and finally the majestic head teacher actually saw the guests off in person, which almost shocked the monk on duty.

Afterwards, Qin Chuan went to Liufang City. Through the introduction of Kong Ming and others, he met with the head teacher of the Wangu Liufang Sect. They also talked for a long time, and finally reached an agreement.

"Hehe, fellow Daoist Qin is young and promising. If we can cooperate successfully this time, Liufangzong owes you a favor!"

"Senior, you are being polite, and we are also mutually beneficial!"

Coming out of the Eternal Liufang Sect, Kong Ming asked curiously: "The business you said is really so good? The head teacher was actually persuaded by you!"

"That's natural, but the risk is not small. The Longteng Merchant Alliance alone can't eat this piece of fat, so we need to find two powerful backers."

"Can our Great Han Kingdom get a share?" Su Yifeng asked.

"Hehe, if brother Su can be the master of the Great Han Kingdom, then of course he can, otherwise forget it!"

Su Yifei smiled and said: "Even though elder brother has not taken over the throne, but his word still counts, Brother Qin, please rest assured!"

"Okay, please keep quiet until it's done!"

"no problem!"

After making the plan, Qin Chuan came to the "Longteng Ticket Number Liufang City Branch", took out the Longteng order, and someone immediately notified the chief steward, and after a while, a middle-aged monk with a round face came out to welcome him, "Sun Dong to Qin Greetings, sir!"

"Sun Guanshi is welcome, we are a family!" This person was born in Long Feixue's mother's family, and is also a descendant of Grandma Sun, so he can be regarded as Long Feixue's most confidant.

"That's right, sir, please come in!"

Qin Chuan glanced at the shop under renovation, "How is the staff training going now?"

"It's almost there, but there are still a few questions that need to be answered by Mr.!"

"Oh, let's hear it!"

"First, why is there a limit of [-] to [-] for loans? This will keep some businesses out of the door. Is the second collateral too restrictive? Why don't you accept magic weapons below the best? Real estate such as shops and mine veins, why..."

Qin Chuan heard Sun Dong ask why several times in a row, probably Long Feixue didn't explain clearly to him, Liufang City will be dominated by him in the future, so he must explain clearly.

The two went to the secret room, opened the restriction, and then answered the questions raised just now, Sun Dong suddenly realized, "Sir, if the other party really takes the bait, I'm afraid we will consume a lot of spirit stones, and I'm afraid that when the time comes..."

"Don't worry, just act according to your plan. By the way, I heard that you know the Bailian Chamber of Commerce very well. Tell me about their situation!"

"Bailian Chamber of Commerce is currently the largest chamber of commerce in Zhongzhou, controlling more than 5000 shops and more than [-] auction houses. The rise of crystal cards is their first initiative. The Cao family is the largest shareholder of the chamber of commerce. The current chairman, Cao Jinquan, is very good at making money. , It is said that the Immortal Cultivation Alliance invited him to expand the holy city, and the Bailian Chamber of Commerce and the Immortal Cultivation Alliance each earned [-] million spirit stones just for buying and selling land!"

"Hehe, he also knows how to play real estate!" Qin Chuan couldn't help smiling.

"Not only that, he is also good at using other people's money to make money..."

After listening to Sun Dong's description of Cao Jinquan, this guy is definitely a master of speculation. Qin Chuan had to carefully consider his plan to avoid mistakes.

After returning to Hades Sect, he continued his sect life. The outside world seemed to have nothing to do with him, but every few days someone sent some information, and Long Yuan was a frequent visitor to his cave. On this day, he came again .

"Uncle Qin, that Gao Changhua has asked many times when he will be able to open the business. If you don't give him a clear answer, I'm afraid you will be suspicious!"

"How many spirit stones have you raised now?"

"Almost 2000 million!"

"It's still not enough. Are the manpower in the south ready?"

"It's all ready, just waiting for your order!"

"That's good. If he urges you again, just say that you need to conduct another assessment on the employees before opening. If you pass the assessment, you can open on the Yuanshuo Festival. If the results are not satisfactory, you can postpone it for another three months!"

"Hehe, this method is good. The questions you asked last time made them burnt out!"

Qin Chuan smiled slightly, took out a jade slip and handed it to Long Yuan, and then told him a few more words, if he was given a fan, his gesture was a bit like a dog-headed military adviser.

Two months later, the Longteng ticket office was opened amidst people's long-awaited calls. There is interest in storing spirit stones. This trick is still a bit attractive. Shi Cun has entered the bank, but relatively speaking, the borrowing is much higher than the deposit. Although the borrowing conditions are very strict, it still cannot stop the people's enthusiasm for lending.

For example, for a store worth [-] spirit stones, only [-] spirit stones can be mortgaged, and one-third of the interest must be repaid every month, otherwise it will be regarded as a breach of contract; Cheng is "broken copper and rotten iron".

Qin Chuan was sitting in the teahouse across the street, looking at the bustling crowd entering and exiting the ticket office, his gaze was a little wandering.

Mu Yilian was full of astonishment, "Husband, I never thought that there would be such a shortage of spirit stones in the world of cultivating immortals. In the past half a day, I'm afraid I have already loaned out [-] yuan, right?"

"Hehe, it's not that there is a real lack of spirit stones. Didn't you find out that these loan guys actually know each other. How can there be such a coincidence in the world!"

"Really, look at the two people who came out and met at the corner of the street!"

"Alas... the acting is not professional, this is too impatient, I am really disappointed!"

"Since you know they are playing tricks, why do you want to indulge them?"

"Open the door to do business, it's not good to keep people out, otherwise it will affect the reputation of the ticket office, who will come to store spirit stones in the future?"

At the same time, Gao Changhua almost used the same rhetoric to convince Long Yuan.

"Executive officer, even though that's the case, the spirit stones in our treasury are limited, so we won't be able to last for a few days if we go on like this!"

"Don't worry, this situation won't last for too long. I have already explained to the third lady that there will be a large amount of spiritual stones coming in in the future. As long as we get through the beginning, we will just sit back and wait to get rich!"

Long Yuan left with a worried face, but when he returned to his quiet room, the corners of his mouth raised an arc unconsciously.

That night, Qin Chuan received a report on the flow of spirit stones from Tongyou City and Liufang City. The two accounts deposited less than 70 spirit stones in total, but loaned out more than [-] spirit stones.

In the next few days, the outflow of spirit stones not only did not decrease, but showed an upward trend.

One month later, the amount of spiritual stones flowing out from the two accounts exceeded 2000 million. The shareholders of the Longteng Business Alliance panicked and approached Long Feixue one after another, asking for a temporary closure.

Long Feixue was a good follower of good people, and the four major bank accounts closed for a few days in the name of closing down for rectification to raise funds. With the help of some people, the Longteng Merchant Alliance was said to be on the verge of collapse, so those who used the Dragon Crystal Card were afraid that their spirit stones would be in vain, so they withdrew money one after another. This made the situation of the Merchant Alliance even worse!
On this day, a few tourists came to Tongyou City, Gao Changhua, the chief manager of the Longteng ticket office, even ignored the exhaustion of the day, and had a secret meeting with these guests late at night.

"Old Gao, what's the situation?" Cao Jinquan, the leader of Bailian Business League, asked the question.

"Everything is normal. Although they doubt it, they can't stop if they want to stop. Otherwise, these tens of millions will be thrown into the water, which is enough to hurt the Longteng Merchant Alliance!"

Shi Danai narrowed his triangular eyes slightly, "What we want is not just to hurt him, how many spirit stones do you think they can produce?"

"I'm not sure about the exact amount, but even if the Artifact Refiner Alliance and the Alchemist Alliance help them, they can only last for another two or three months at most!"

"Two or three months more? What we can use as collateral is limited now!"

Cao Jinquan glanced at Shi Danai, "Do you think it's possible to destroy Longteng with only those worthless ores and shops? If it was so simple, the Longteng Merchant Alliance would have ceased to exist long ago!"

"Fatty Cao, our historian is mainly engaged in mining, how can we compare with your Bailian!"

"You want to stop? Don't you realize it's too late?"

"Then what do you say?"

"Use your mine veins as collateral..."

"No, absolutely not, that is the lifeblood of our historian, and it must not be mortgaged!" Shi Danai refused without waiting for him to finish speaking.

Cao Jinquan said disdainfully: "You are really stubborn. It's not like you can't redeem it if you mortgage it. When Long Teng can't hold on, you only need to use a little capital to redeem it!"

Shidanai sneered, "Why don't you use your family's storefront as a mortgage?"

"It's not that you don't know the structure of Bailian Chamber of Commerce. The shareholding is very scattered. Our Cao family only accounts for [-]% of the shares. It is difficult to persuade those shareholders, unlike your historian who is almost the only one!"

Seeing that the two were about to quarrel, Gao Changhua hurriedly said: "You two bosses, even if you want to use those properties as mortgages, I am afraid that the bank will not take over. The loan limit of [-] was set at the beginning!"

"There is such a thing, you didn't say it earlier!" The two couldn't help but frowned.

Gao Changhua smiled slightly, "Actually, using those core industries as mortgages is not only risky, but also makes it easier for Long Teng to make up his mind to be a strong man and cut off his wrists. Although the Long family will suffer heavy losses at that time, it is not that there is no chance of a comeback..."

"Oh, what are your thoughts?"

"The owner can take a detour. The loaned spirit stones are idle. Why don't you buy some properties and use them as collateral? Even if there is a slight loss in this cycle, what is the loss after winning the Longteng Merchant Alliance? "

Cao Jinquan thought for a while, and couldn't help laughing, "Old Gao, it seems that I'm about to give up my title as God of Wealth to you!"

"The owner has won the prize!"

……

(End of this chapter)