Online game The Beacon Fire of the Three Kingdoms

Chapter 91
Under the attention of the top leader Zhang Fan, the Guangbo Bank in Fengyun Town was built in a lightning-fast manner, and was quickly promoted to a super bank. However, the price of the upgrade was obviously not outrageous, and it cost an extra [-] gold.But this time Zhang Fan is only thinking about the great use of the bank
Afterwards, it was obvious that the struggle between the [-] gold coins and the possible huge profits in the future was completely defeated. Anyway, Zhang Fan is not too worried about money now.

"Superior bank: opened by super civil official Wang Wen, can provide coin deposits, withdrawals and fund lending services, income status: poor."

After reading the introduction, Zhang Fan almost gnawed all his steel teeth and blew himself up. The "poor" income situation made Zhang Fan directly angry.

"Tell me, why did you spend [-] oceans in the bank, and the income is so bad?" Zhang Fan, with a livid face, started to discuss with the system at this time, "Could it be that the system has opened a trap again?" gone?"

Seeing that Zhang Fan's expression changed, Wang Wen on the side knew that Zhang Fan's thoughts were off, so he quickly explained the reason.

It is true that bank lending can bring huge income, but since it is a loan, the premise is of course that there must be capital. Although deposits and withdrawals can also charge a little fee, it is hardly worth mentioning in the bank's profit.But now this majestic super bank has no capital at all, so how can it make any profit?

The ancients said, "I can't bear to let my children not play with wolves, and I don't want to let my daughter-in-law not play with wolves." With this kind of awareness, Zhang Fan will naturally not be stingy. "Okay, let's ignore these things, and immediately inject 100000 gold coins so that the villagers can come to borrow money." Zhang Fan Fan couldn't wait to say that the bank will always have big profits in the future, and now it is better to start the privatization system early, and it is important to win the hearts of the people.

"My lord, there is one more thing. Please let me know the interest rate of the loan."

In fact, as early as the period of Emperor Wu of the Han Dynasty, taxation on usury had already been levied, and it was extended until the Eastern Han Dynasty.

(ps: This article does not use the historical currency system, which is too raw and difficult to pronounce, so it is directly replaced by gold coins. Although this does not match the history, I think it is more intuitive. Let me explain first, so as not to be true to the book friends It’s not pleasant to watch, hehe.)
"Generally speaking, what is the interest rate of each bank?" At present, the people who come to borrow money are the residents of Fengyun Town. Zhang Fan worried that setting it too high would be counterproductive, and setting it too low might cause some residents to borrow too much, so I asked Wang Wen first.

"Well... the interest rates of various banks in the Han Dynasty were mostly different, but most of them were between 15% and 20%." Wang Wen replied.

"Let's do this. It's cheaper for the people to borrow money. The first 5% of the privatization is enough. After a few days, after the privatization policy stabilizes, it will be increased to 10%. Borrowers must be cautious, and would rather not take out a loan than have the risk of losing money!" After the villagers borrow money, they will naturally promote the development of Fengyun forces, who is most beneficial to the development?Of course it was Zhang Fan!However, people who are not from Fengyun are not so lucky. It is almost impossible to gain benefits, and it is logical to be slaughtered. For example, now you can designate a number of Brotherhood members who enter Fengyun to supply and level up.

"Just according to the lord." Wang Wen, who had no more problems, was satisfied.

Walking on the road, I heard the villagers' discussions from time to time.

"Hey, Auntie, have you heard? Our Fengyun Town is going to be privatized!"

"Really? But we don't have anything now, why are we private!"

"Oh, what can we do! My lord doesn't want us? Our family of four has nothing but a few rags. If we live our own lives, how can we live?"

"Auntie, you are wrong to blame the adults. The adults are so kind, how can they ignore us. I heard that after we are separated, the adults will give each of us food, meat, and a new set of clothes for each of us!"

"That relationship is okay, at least you don't have to be afraid of starvation."

"Why are you hungry? The benefits are more than that. Mr. Wang said that after privatization, adults will pay us wages. As long as we work hard and save some money, we can buy a house by ourselves. Farming like your family Yes, the adults will give you the land for free. As long as the harvest is harvested, you can give the adults a little grain. In my opinion, as long as you work harder, maybe you can live a better life than now."

"God bless, this is really a big deal. Where did you hear it, I'll go and have a look."

"On the square in front of the mayor's office, Mr. Wang posted a notice there!"

"Okay, I'll take my guy to take a look as well."

"Then go quickly. I want to go home and tell my guy. I heard that even those shops will be sold this time. I want to check with my guy to see if I can borrow some money to sell the blacksmith. Lay it down!"

"Okay!"

Listening to the villagers' discussion, Zhang Fan smiled gratifiedly.Wang Wen's action is quite fast, first posted the notice to give everyone a warm-up.

When Zhang Fan came out of the super bank, remembering that the Sea King battleship was still under construction, he couldn't help but want to see the current construction progress, so he turned and walked towards the ultimate dock.

Strolling into the ultimate dock, the inside of the ultimate dock is full of joy, which is completely different from the dullness of the previous time.

Gan Qi saw Zhang Fan at a glance, stepped forward quickly, and said with a smile: "Xiaomin has seen adults!"

"Master Gan, is this a happy event?"

Before Gan Qi opened his mouth, the apprentices on the side were overjoyed and said excitedly: "My lord, this morning, our first Sea King battleship was finally completed."

"Yes, yes, and because of the construction of the Neptune warship, Master Gan has broken through to the imperial shipbuilder!" Another apprentice interjected.

Gan Qi glared at the two apprentices and blamed them for being rude in front of adults.Turning around, he said apologetically to Zhang Fan, "The villain doesn't know etiquette, sir, don't blame me!"

Zhang Fan waved his hand, indicating that he doesn't need to care. These two apprentices of Gan Qi were brought by Zhang Fan to Gan Qi. In order to speed up the manufacturing of the Neptune battleship, Zhang Fan deliberately selected two S-level qualifications from the refugees for Gan Qi to take over. As apprentices, both of them are now senior shipwrights.

Zhang Fan was very surprised that Gan Qixia was able to advance to the emperor rank by building the Sea King battleship, but it was reasonable, after all, the Sea King warship was too high-end, and it was not a product that could appear in the Three Kingdoms period at all, but also because of this, the Fengyun Force was born The No.2 emperor-level living talent, No.1 is King Mulu. This was found when I checked the attributes of King Mulu, King Duosi, and the four historical barbarian generals of the Southwest, A Huinan and Dong Dana. It turned out to be an imperial beast trainer, with two imperial skills: Beast Control and Beast Exorcism. This is the reason why King Mulu can lead all beasts into battle, although the beasts under his command are only as strong as ordinary 5th-level soldiers. , but the momentum of the beasts jumping is still very frightening.

(End of this chapter)