Chapter 274 Wuhun Bank

After a long calculation, everyone came to a conclusion.

With so many sets of numbers, it is possible that no one who buys the lottery in each issue can buy all the numbers.

Moreover, the lottery does not have to be drawn every day. It is enough to draw the lottery once every three days.

"It's best not to give the winning numbers to our own people, keep it random, and let more civilians win the prize, so that this way of playing can last."

At this time, Demon Bear Douluo scratched his head and said, "When I was young, I liked gambling. Once I got addicted, I couldn't stop at all. I always felt that I could make a comeback. If these 50,000 gold soul coins are sold all over the continent, after deducting the operating costs, we can not only give out bonuses, but also have a lot left."

Han Yu smiled and nodded, and then said, "However, this martial soul ticket game is just a bonus for selling newspapers. The extra money will be used to subsidize the construction of some places or build roads. In this way, everyone who buys martial soul tickets will feel that they are noble. At least, they won't feel so sorry for the money."

"I agree. The livelihood project improves the foundation of the influence of the martial soul hall, and it can be done." Qian Daoliu nodded.

"But in this case, we still can't make up for the money lost in the previous two reforms." Bibi Dong thought about the problem for a longer time.

Han Yu said, "Your Holiness, don't worry. The last reform is the key to profitability. In addition, regarding the opening of the spirit lottery, the spirit guide can be used to broadcast live across the continent to ensure fairness and justice."

"Since the terminal spirit guide has been deployed on the continent, how can it not be used?"

Han Yu's idea was quickly supported by everyone.

Isn't buying a spirit ticket just for excitement? If they can know the winning number before the lottery, then what's the point of buying it?

In the end, after a show of hands, the proposal was passed unanimously.

"The spirit news department needs someone to manage it. I think it should be managed by a spirit master of the agility attack system. Once the communication spirit guide fails, the news can be sent to the editorial department in time." Qian Daoliu said, "I won't assign anyone. If you feel that you can do this, please volunteer."

As soon as he finished speaking, Qingluan Douluo stood up.

On the Pope's side, Ghost Douluo volunteered.

This job naturally fell on them. As for the personnel, the messengers who were previously laid off will be incorporated into the team.

...

Next, it is about the last reform.

Han Yu smiled and said, "Haha, the next reform is about making money, everyone listen carefully."

When they heard about making money, everyone smiled.

The previous reforms undoubtedly consumed a huge amount of wealth for the Spirit Hall. Since the last one is a profitable business, this project must be very profitable.

"I plan to establish a Wuhun Bank, or Wuhun Merchants. Its role is to absorb the money of depositors, ensure the safety of the money, and pay them a certain amount of interest annually."

Lion Douluo Lian said: "Eighth Priest, are you sure you are right? There are also some people on the mainland who keep money for others. But without exception, they all pay a considerable amount of money to protect their own property. Not only do we not charge custody fees, but we also pay interest to depositors. Are you crazy?"

"Or do you plan to withhold the principal of depositors?"

I thought it was a profitable business, but it turned out to be a money-burning business. The elders started to discuss it.

Han Yu looked calm. The elders' discussions gradually subsided. He then said, "With interest, depositors are more willing to deposit money. And we will not just let the deposited money lie in the safe. We can use this money to lend. As long as the interest on the loan exceeds the interest on the deposit, the result is obvious. We make money."

Lion Douluo snorted coldly, "There are lending groups in every city. Let's not talk about the interest. If someone owes money and doesn't pay it back, do we want the Spirit Hall to learn from the street thugs and violently collect the debt?"

Han Yu said, "If you want to get a loan, you first need to mortgage your assets. The most common one is a land mortgage loan. If the other party fails to repay on time and refuses to repay, then we can forcibly reclaim his land. Or collateral."

"If the other party refuses to execute, we may use coercive means."

"As for unsecured loans, it is not impossible. But the amount of our loans will be reduced accordingly, and the interest will also be increased accordingly. If the other party cannot repay, the mines under the Spirit Hall need people to mine, so let them use labor to mortgage the debt!"

Bibi Dong thought Han Yu's method was very novel and effective. She asked: "The interest on deposits and the interest on loans, do you have any ideas, Eighth Worshiper?"

Han Yu said: "For the interest on deposits, deposit 100 gold soul coins. After one year, you can take out a total of 103 gold soul coins, including principal and interest. For the interest on mortgage loans, borrow 100 gold soul coins and pay them off within one year, then you need to repay 110 gold soul coins, including principal and interest."

"And as the repayment period increases, the interest will also increase accordingly. The increase is 10% of the principal for each additional year. The repayment method is to repay part of the interest and principal every month. If it is overdue, an additional retention fee will be paid."

"Before lending, the other party's qualifications must be examined. If it is a gambling-style loan, it will not be approved."

Han Yu said a lot in one breath. In short, loans will make a lot of money.

Another very important point is that the land of the Tiandou and Xingluo empires is privately owned. For the Wuhun Hall, it can control the lifeblood of the two empires invisibly by obtaining a lot of mortgaged land.

After hearing this, Qian Daoliu expressed his doubts, "Eight Worshipers, setting up a bank, and protecting deposits from loss requires a lot of investment. And after the bank is opened, the location is fixed. What if someone wants to seize the property? Our operating costs will increase again."

Han Yu smiled and said, "The safe can not only store gold soul coins. If you want to deposit items other than money in the bank, you need to charge a storage fee. Besides, who said that banks can only be used for deposits and loans?"

"On the mainland, many soul masters who want to hunt souls spend money to find soul hunting teams. . However, not everyone in the Soul Hunting Team is reliable. They take the money but don't do the work. There are also many people who go into the forest and then destroy the bridge. "

"We might as well standardize all the Soul Hunting Teams on the continent. The employer can first pay the money to the Spirit Hall. After the task is completed, the employer will confirm that the team has completed the task, and then the Spirit Hall will pay the money to the Soul Hunting Team. And during this period, we charge a 20% handling fee. "

"If the employer does not show up after the scheduled time, we will send someone to check. Once it is confirmed that the Soul Hunting Team killed the employer, we will avenge the employer. "