Endless Voyage: Only I Can See Everything!

Bai Xue on the side saw Ning Feng's thoughts and reminded him: "Ning Feng, 2.5 billion navigation coins is not a small amount."

“It’s worthwhile just looking at the benefits, but shouldn’t we also analyze the risks?”

With Bai Xue's reminder, Ning Feng paused and asked: "Risk? Isn't this a project spearheaded by this world? What other risks do you think there are?"

"How not?"

Bai Xue analyzed seriously: "In this world, banks only earn money from interest, but can you guarantee that these interests will be recovered?"

"What if 10,000 people borrowed 5 billion navigation coins, and only 5,000 people were willing to return the principal with interest? Then not only did we not make any money, but we also lost half of the principal?"

"I think this is something we should think about."

"In Blue Star, there is a credit reporting system as a constraint, and a group of people will take risks and become old people. Then in this world, who will care about credit reporting? What if they borrow money and don't pay it back?"

Not to mention, Bai Xue's words reminded Ning Feng.

He admitted that Bai Xue was right.

In this world, banks are different from Blue Star in that there is no other investment profit, so there is really no other purpose for opening a bank except to earn interest differences.

The deposit is okay, but if you don’t get the loan back, it will be a real loss!

After thinking about it, Ning Feng finally came up with a solid idea.

"Otherwise, let's first find out how to collect loans?"

"If we can ensure that the money we borrowed can be returned, then let's invest. How about that?"

This time, Bai Xue said nothing. After all, the only risk for investment banks is that the money they borrowed will not be returned. If it can be guaranteed to be returned, then it will definitely support the investment bank unconditionally!

Ever since,

Ning Feng did not hesitate, exited the investment page, and clicked [I want to borrow money].

Although the banking business cannot operate normally because the investment has not reached 5 billion navigation coins, the specific functional pages are still introduced in detail.

After clicking [I want to borrow], some precautions immediately appear below.

【Loan Contract】

|【Click to borrow the limit out of thin air】

｜Please enter the loan amount you need:_______

|【Click to apply】

｜Warm reminder:

｜1. Before starting a loan, you need to conduct a loan limit evaluation. Users who fail to conduct a loan limit evaluation cannot use the lending function normally. (Navigation Bank will work with the [Navigation System Screen] to make a reasonable amount assessment based on your daily revenue.)

｜2. The loan limit is evaluated cyclically and can be re-evaluated once a week. (The amount will change after the evaluation.)

｜3. After successfully obtaining the loan, no human operation is required. Navigation Bank will work with the [Navigation System Screen] to automatically deduct the corresponding interest every day. If there are insufficient navigation coins in the account, it will automatically enter the deferred return process (the daily interest rate is doubled). If you still fail to make up for the delay of 7 days, random equivalent supplies (including ships or entire private islands) will be automatically deducted. At this point, the entire loan business will end, and the defaulter will be permanently blacklisted and unable to participate in any transactions in the endless sailing world ( Transactions between survivors, shopping mall shopping permissions, bank loans, etc.)

See this.

Ning Feng felt relieved. It seemed that the matter was much easier to solve than he thought.

It’s right to think about it. This bank is a project spearheaded by the world, so how could the world allow itself to lose money?

Under the current situation, not to mention that it is estimated that no one except him has 500 million navigation coins in liquidity.

As a result, Ning Feng stopped worrying and entered the "equity participation page" again.

With these guarantees, Bai Xuena no longer had any objections, and everyone supported the investment bank.

Unless they die, those borrowers will pay back anyway.

However, Ning Feng didn't dwell too much on this issue.

As for if the borrower really has no money, then the equivalent value of materials can be deducted, and there is no loss.

This is a bit strange!

After the end of the poverty alleviation plan, all the navigation coins previously used for poverty alleviation assistance were returned 1:1. In addition, before entering the fourth stage, he also deliberately prepared a lot of cash flow, so he had a lot of money on hand. There are billions of navigation coins. Even if he pays 2.5 billion navigation coins, it will not have much impact on him.

In other words, only death awaits those who break their trust!

To know,

There is one more chapter, so stay tuned!

In order to avoid having these shares divided up by others, he directly clicked the [I want to invest in shares] button without any hesitation.

It was made very clear when borrowing money. If the borrowed money is not returned on time, it will be deducted from the equivalent value of materials. If there is no material, it will be directly deducted from the ship or island.

After all, those who can survive to this day probably cherish their lives. Who would risk their lives for a loan?

Even if there were, not everyone would be willing to spend all their sailing coins on investment.

This means that if someone really doesn't want to return it, then in the end the ship and the island will be gone, wouldn't it be equivalent to being directly abandoned by the world?

In this way, Ning Feng believes that no one will dare to borrow money randomly, right?

..................................................

To Ning Feng's surprise, a few minutes had passed, and the shareholding section actually showed that there was only one shareholder of "Endless Navigation World", which meant that no one else had chosen to participate in the shares!

No wonder no one participated in the investment. It turned out that this investment would cost at least 500 million navigation coins.

what does that mean?

Seeing this, Ning Feng suddenly woke up.

After all, it has entered a new stage, and each function requires navigation coins. For the sake of safety, they will definitely not invest blindly.

But Ning Feng is different.

After all, no one invests, which means that he can get a larger share of the shares in a while, and the dividends will be larger in the future.

Just the evaluation of the first loan limit is estimated to reduce a lot of overdue situations.

Logically speaking, after knowing how the bank recovered the loan, the investment bank must be a profitable business. It is impossible that no one has not discovered this business opportunity, right?

..................................................

After all, how can you live without ships and islands?

Not to mention, Navigation Bank can also be associated with the lender's [Navigation Department System Screen].

Naturally, he also hopes that no one will compete with him for this share.

Soon a small pop-up window will appear.

In this way, unless the borrower really has no money, the money will be automatically deducted every day, so why worry about the borrower not wanting to repay it?

so,

[Please enter the amount you want to invest: _____ (each investment is at least 500,000,000 nautical coins)]