I opened the way of earth practice

Chapter 442 Insufficient reserves

“80分到89分为AA评级，贷款系数20；70分到79分为A评级，贷款系数为10.”

"65 to 69 are rated B, with a loan factor of 5; 60 to 64 are rated C, with a loan factor of 2; 50 to 59 are rated D, with a loan factor of 1, and scores below 50 are all rated E, and they are dishonest persons. It is impossible to carry out any loan business here, and even the savings business is not accepted, and they belong to the blacklisted users of our fortress bank." The teller explained in great detail.

Because she knows that the fortress bank has just opened, everyone must be very curious about this place, and they don't know anything about it. When they spread the situation here, there will be fewer and fewer people asking for relevant information in the future, because everyone will know about it in the future .

"The loan coefficient is related to the amount of funds that users can borrow. We have a base, which is the same. The maximum loan amount is the base multiplied by the loan coefficient and then multiplied by the repair coefficient, which is the final loan amount." Teller explained with a smile.

"What about the cultivation factor? How did it come about?" Zhang Xiaofei asked curiously.

"A coefficient is added every ten levels of the mortal stage. From level 1 to 10, the coefficient of cultivation is 1. Your cultivation is at level 48 of the mortal stage, so the coefficient of cultivation is 5." The teller explained road.

"Oh." Zhang Xiaofei nodded suddenly, and asked again: "What about the coefficient of the extraordinary level?" Like a curious baby.

But look at the other windows around you and you will know that everyone is the same, and even the communication that does not involve personal privacy information is open to the outside world, and people in the queue behind can also hear it, thereby reducing the time for subsequent inquiries. The operation to control, which involves formation.

"Sir, the Transcendent level is similar, but the coefficient is higher. For example, for the Transcendent level 1 to 10, the coefficient is 10, after that it is 20, and so on up to 50." The teller replied.

"Hiss~" Everyone gasped after hearing this.

Because according to what the teller said, in theory, if a person has a perfect credit score, plus a Transcendent level of 40 or above, then his multiplied coefficient is 5000. No matter how low the base is, the loaned funds will not be small.

"The last question, may I ask, what is the base number?" Zhang Xiaofei asked with concern, and this is also a concern of everyone around.

"Sir, the base numbers are the same, which are 1000 white Qiankun coins and 10 merit points." The teller replied.

"It's so high." Everyone said with emotion.

"Sir, according to your situation, the maximum amount of your personal loan is 15 white Qiankun coins, 1500 merit points, and 8% annual interest. How much is your loan?" the teller asked.

The teller blocked the other people for these private words, and only Zhang Xiaofei could hear them.

"I..." Zhang Xiaofei hesitated for a moment, then gritted his teeth and said, "I will take the loan according to the maximum amount."

He believed that as long as he could get so much money, by purchasing the corresponding resources, he would be able to break through to the Transcendent level after this retreat, and his loan amount would double.

At that time, I can come over to borrow again and quickly improve my cultivation base. I believe that before the quota is used up, my cultivation base can be raised to a height that I looked up to before.

It will also be easier to repay the loan at that time.

"Okay, sir, wait a moment." The teller completed the operation quickly and said, "Sir, the funds have been transferred to your personal name. You can check your attributes."

"So fast?" Zhang Xiaofei was shocked, and then he glanced at his attributes, and sure enough, he got it. Isn't this too advanced?
In fact, this is also a major function of the fortress, which is very practical.

"Our results are very high. Thank you for your support. Is there any other business you need to handle?" the teller said with a smile on his face.

"Oh, no need, thank you very much." Zhang Xiaofei left the bank happily, and then rushed to Gonggong Mall without stopping.

There are many people like him along the way.

"Brother, you also took out a personal loan, are you ready to retreat and practice?"

"You too?"

"Hahahaha, it seems that everyone is the same. I estimate that in a few days, the strength of the entire fortress will be raised to a higher standard. The curator's move is simply a stroke of genius."

"It costs money, and this thing is not free, and it is impossible for the curator to support everyone's practice. They are all overdrawing the future."

"It can't be said that way. It seems to be overdrafting the future, but our cultivation level is higher, and our income will also be higher. It is not the kind of advanced consumption in the past. There is a big difference between the two."

"What is your credibility?" someone asked.

"Why are you asking this?" Someone asked cautiously.

"May I ask? If you have a high reputation, you can make friends in the future. You can also form a team together. After all, a person with a high reputation must have good character."

"Hey, it makes sense, this can be used as a criterion to measure whether a friend can make friends in the future, hahaha."

Everyone chatted and laughed and came to the meritorious service mall, and then went straight to the product area they wanted to buy. After buying the products, they rushed to the Time Tower together, which was their own path of retreat and practice.

Soon it was night, at the fortress bank, Yao Tiancheng and everyone were having a meeting.

"Let's report on today's situation? Have you encountered any problems? Bring them up together, and we will solve them together." Yao Tiancheng said.

"President, the problem is nothing. After all, our business is very small, and the current customers are all elite customers on the earth. The main reason is that basically no one deposits, and almost all of them are loans. According to today's loan law, I am afraid In less than a week, our reserves will be exhausted, which is very disadvantageous." Someone said.

"Yeah, now that the plug master has retreated, if we can't increase the reserve fund in the future, we may not be able to support it. Should we limit the number of people or reduce the loan amount?" someone suggested.

"It can't be restricted, and it can't be lowered. I will despise Madam tomorrow on this issue, and I will give a plan at that time."

"Are there any questions?" Yao Tiancheng asked.

"President, today someone asked us whether the shops on both sides of Earth Avenue can be leased, and I don't know how to answer?" Someone smiled wryly.

This is out of their control, they still want to know.

"Well, you don't need to answer this question." Yao Tiancheng said.

"President, we actually really want to know. There are many shops on this street. If they can be rented out, the rent will definitely be a lot. In this way, a lot of funds can be returned to support our business." Someone said suggested.

(End of this chapter)