I opened the way of earth practice

Chapter 441 Credibility Rating

"Our loans are divided into two types. One is a commercial loan. Those who want to develop a business in the fortress can take a loan. The interest is 20% a year. The other is a practice loan, which is for individuals and can only be used for retreat. Cultivation, the interest rate is 8% a year, this one is not intended to earn everyone's money, the plug master just hopes that everyone can quickly improve their cultivation." Yao Tiancheng said.

"Hiss, I didn't expect it to be Qiankun coins and merit points, the curator is so grand."

"By the way, who still has extra merit points and Qiankun coins in their hands at this time, isn't it all used up?"

"It seems to be the same. The money in the early stage is not enough, and there is no way to save it."

"Hehe, if you can't save it, it doesn't mean that other people can't save it. The interest rate of 5% a year is not low. I want to save a little."

"At this time, those who can save merit points and Qiankun coins are all great gods, and they can resist the temptation to improve their cultivation, admiration."

Indeed, there are very few people who can save money at this time, but they will gradually hide in the future, because the higher the cultivation level, the longer the time of each practice or retreat, and it may be based on years , In this way, why not save the excess funds with interest.

"I think the personal loan business is really good. I don't know how much money we can loan out. Once our cultivation base improves, we can hunt more powerful abyssal demons and get more resources. After paying back, we should be able to borrow money Get more funds, so that a virtuous circle can be formed." A wise person immediately analyzed Hao Ren's ultimate goal.

The bank has made money, everyone's cultivation has improved, and the only loss is the abyssal demons. Sometimes finance is really a very powerful weapon, killing people invisible.

"Our fortress bank has just opened. These are the types of business. It is very simple. If you need it, you can come in now. We will handle the business for you immediately." After Yao Tiancheng finished speaking, he invited.

"Go, go in and have a look."

"Go, it's okay now anyway, go in and have a look, and learn a lot."

"Brother Li, why don't we borrow some money, do some business, and earn Qiankun coins." People with better connections began to form alliances.

As the flow of people continued to gather, people who came kept walking into the fortress bank, but everyone found that the bank was like a bottomless pit, swallowing all the people who entered, and there was no sign of being full at all.

"I don't care, how big is this fortress? Even if it's not for the loan, I want to go in and learn more."

"let's go."

More and more people walked into the fortress bank, but they could all be accommodated inside, which shows how big the bank is.

"Hey, from the outside, the Fortress Bank only has five floors. Although it is in the middle of the street, it is also the largest in area. I didn't expect to walk in and find that the space inside is much larger than the outside. It is estimated to be three times larger. Is it about double?"

"It's too big. Thousands of people came in, but it doesn't look crowded at all. I don't know if other shops are the same."

"I don't know anything else, but this place is really big. Forget it, I'd better handle the business first, and I hope to improve my cultivation quickly."

Shocked, some people went to the empty windows, and looked at the number plates. At least two hundred windows were open at the same time.

Although thousands of people came in, there were only [-] windows, and there were no numbers, but everyone consciously queued up according to the requirements.

There is a certain interval between each person in line. This is the bank's regulation, which prohibits others from hearing and seeing the information of the person handling the business. This is for the sake of confidentiality.

Zhang Xiaofei, a 23-year-old young man, is not a member of the Limit Pavilion, but a Guo Jia soldier. They have just experienced a crisis and are now on vacation.

Hearing about the situation here in the military camp, he came over to take a look. He was also very persistent in improving his cultivation, but he had no money.

"Hello, sir, what business do you handle?" the teller asked with a smile on his face.

These tellers are all from Earth, recruited by Xianyuan Group from Earth, they are all very good-looking, gentle and polite. In addition, Hao Ren also arranged for those elite women drawn from the subject card to follow behind them Learning is to reserve corresponding talents for the future.

"I just heard that you can apply for a loan individually. I want to apply, but what are the requirements?" Zhang Xiaofei asked.

"Sir, personal loan application can only be used for retreat and practice, do you know this?" the teller confirmed.

Zhang Xiaofei nodded: "I know, I just heard what your president said outside."

"Well, our personal loan application requirements are very simple, as long as you are from Huaguo, the amount depends on your current cultivation and credit status. Please report your ID card and I will check your information. " said the teller.

"Okay, my ID number is" Zhang Xiaofei reported his ID number without hesitation.

"Ding! The identity card is confirmed, the face recognition is passed, and the life magnetic field is scanned. It is confirmed that it is Zhang Xiaofei himself."

Zhang Xiaofei saw the teller holding a code scanning gun and scanned it at himself, and there was a sound from inside, and he couldn't help but gasped.

Fortunately, artificial intelligence has been around for a long time, it is from the Xianyuan Group, but the life magnetic field scanning has already begun to be applied to the field of identification. If he remembers correctly, it was only used in the Xianyuan watch before, which can identify living things level of repair.

"Ding! Zhang Xiaofei has a credit score of 94, a rating of AAA, and a loan factor of 30."

"Ding! Zhang Xiaofei's cultivation is level 48, and his cultivation coefficient is 5."

This Xianyuan watch has this function, so he is not very curious. What he is curious about is the credit rating and the corresponding loan coefficient, so he asked curiously:

"Excuse me, how do you judge the creditworthiness here, and what are the ratings and loan coefficients?"

"Sir, your credibility is a score calculated based on your credit information system in Guojia and the corresponding reputation system collected by our Xianyuan Group's big data through a series of scientific and complex formulas. The maximum score is 100 points."

"As for the rating, it is judged based on the credit score. It is related to the loan factor. The highest score is 100 points. The rating is SSS. The highest loan factor is 100."

"Secondly, 98 to 99 points are divided into SS ratings, and the loan coefficient that can be obtained is 80."

"Scores from 95 to 97 are S ratings, and the loan coefficient that can be obtained is 50."

"Scores from 90 to 94 are AAA ratings, and the loan coefficient that can be obtained is 30."

(End of this chapter)