Chapter 217

The efficiency of magic power is always amazing.

The next day, Fang Ping received a reply from the school and allowed Fang Ping's proposal to set up a credit lending system in principle.

Of course, it's not infinite.

Credits are free, but resources are limited. The school gives 100000 credits a year.

And 100000 credits, converted into physical value, up to 3 billion!

For the platform opened by students, given such a high loan limit, Fang Ping did not pay nothing.

First, LV fengrou and old man Li came forward to guarantee.

Second, the school has the right to take the platform back to the school after Fang Ping's accident, rather than continue to be taken over by Fang Ping's family.

Third, settle accounts every year with a discount rate of less than 5%. The school will not investigate the submission of students' War meteorite materials. If it exceeds the scope, the remote platform will be responsible for it.

Fourth

There are many restrictions imposed by the school.

Including checking the accounts at any time, including whether the credits were really lent to the students, rather than Fang Ping himself. Magic Wu also sent someone to supervise.

The platform is gradually on the right track, rather than the errand company that was only responsible for delivering goods before.

As for the loan interest, it is formulated by the remote platform, reported to the school, and the school gives a reply. The interest belongs to the school, and the remote platform can charge 10% of the interest management fee.

It's not the style of magic martial arts.

The interest management fee of 10% given to the distance is not too much in the view of morwu.

Interest, the school did not expect to rely on this to earn students' cheap, just to make up for the possible bad debts. These credits and money will eventually flow into the hands of students.

……

Magic Wu thought that 10% was not much, but Fang Ping calculated how much interest he would charge.

As for the five ten thousandths of the daily interest rate, of course, it won't work. Magic force won't allow the square income to be so high, and the annual interest rate has reached 18%.

But the daily interest rate is 3 / 10000, which sounds very low... The annual interest rate is more than 10%.

"10% a year. If you reach the limit, at the end of a year, the minimum income is more than 10000 credits, and the platform score is 10%, that is more than 1000 credits."

"In fact, the school integrates once a year, and there is too much room for operation during this period, including the interest paid off from short-term debt, which becomes the principal again. If the operation is good, the income is thousands of credits a year."

Logistics department.

Fang Ping thought for a while, and his eyes were golden!

Thousands of credits, that is tens of millions of billions.

How much is the operating cost of a small magic weapon?

Thinking of this, Fang Ping whispered, "teacher, do you say that the daily interest rate is three ten thousandths, high or not?"

"Three ten thousandths?"

Old man Li was still calculating the interest level for a while. Fang Ping quickly said, "very low? Ordinary students will die if they borrow 100 credits. They only receive 0.03 credits of interest a day. To tell the truth, this is a very low interest. Even after a month, it will be less than one credit.

Can get 100 credits a month in advance, he may be able to enter the third grade from the second grade.

What is one credit in one month?

Teacher, do you think so? "

Old man Li murmured slightly, "it's not high..."

"In fact, this is equivalent to the school investing 3 billion resources in advance, but I believe that this 3 billion is definitely worth it.

Perhaps, in a year, magic martial arts can have dozens of three or four grade students.

Make great contributions to mankind!

These resources will not disappear out of thin air. By the end of the year, they will return to the school, forming a virtuous circle. Not only will the school not suffer any loss, but also gain a good reputation among the students... "

Old man Li looked at him and didn't speak. Fang Ping smiled and said, "teacher, that's about the platform discount..."

"The meaning of the school is to maintain the current price. The pills and weapons of magic weapons are limited. Once you do your activities, isn't that..."

"Teacher, how short-sighted the school is! I ask you, where did the pill come from?"

Old man Li was stunned for a moment, thought and said, "some of the main materials come from caves."

"That's right. The students consume a lot and make rapid progress. Do they have to go to the cave to struggle? In this way, the materials will naturally make up..."

Then Fang Ping said, "where did the alloy weapons come from?"

"Some of them come from caves..."

"It's the same truth! And you need manpower to make alloy weapons? In magic weapons, weapons are generally not manufactured in batch, but forged manually.

It is mainly undertaken by the students of the manufacturing college, but the students of the manufacturing college are not keen to participate in these activities at ordinary times.

In school, they think more about which company to enter in the future

But if they are now heavily in debt, they will take the initiative to work. Is that the truth? "

"You mean..."

"So ah, the school's worry about insufficient resources is nothing.

If you consume more, you can earn more only when you are strong.

The wool still comes from the sheep, not from the school. "

"I'll ask later. Remember to do this on your side. If 100000 credits are lost, it's not a matter of credits, boy. You can't afford to sell you at that time. You're ready to work for the school all the time!"

Fang Ping disagreed and said, "unless all the borrowers die in battle, I'm afraid the earth will be broken at that time. I still care about this."

Old man Li was speechless.

That makes sense!

The students died in the war. With this mortality, is there hope for mankind?

So the boy didn't even think about compensating the school?

For a moment, old man Li fell into deep thought.

Seeing this, Fang Ping said, "teacher, I'll go back first. In addition, I'll trouble you this time. Don't worry. The guarantee will never let you carry the black pot. Fang Ping is not such a person."

Old man Li nodded numbly. You said you wouldn't compensate. Where did you come from!

Seeing Fang Ping leaving, old man Li suddenly said, "I'll take you to a place in a few days."

"Where are you going?"

"A good place where you can see a lot of things. It's helpful for you to go and have a look before entering the cave."

Fang Ping was overjoyed and hurriedly said, "thank you, teacher. Do you have a granddaughter?"

Old man Li glanced at him and said faintly after a long time: "get out now, or..."

Before the voice fell, Fangping people had run away.

……

Outside the logistics department.

Fang Ping shook his head and sighed. Didn't I learn from Lao Wang?

Look at Lao Wang, how good the flattery is. The teacher's daughter is so big that she takes it with her as a child's daughter-in-law.

Old man Li is the peak of six grades. If he flatters, he will become a master one day and develop himself.

Took out his mobile phone and called Li Chengze about platform lending.

In fact, this is simple. Now it is aimed at magic martial arts students.

How many people are there?

The school has all the information records of students. It just adds some functions to the platform, which can be done in a few days.

"Unfortunately, the borrowed money is not the wealth value. Otherwise, if I borrow 3000 credits now, my wealth value will directly exceed 100 million."

Fang Ping was a little sorry. Otherwise, even if he opened the back door, he would have to get some credits for himself.

Just talking to himself, Fang Ping saw several buses stop not far away.

Nanjiang's team is back.

……

"Fang Ping!"

As soon as Tang Feng got off the bus, he saw Fang Ping, who was turning his head to run, and gently shouted, "come here!"

Fang Ping was helpless and walked over slowly.

"Who told you to leave early? Disorganized and undisciplined!"

Tang Feng reprimanded and said, "don't run to the logistics department if you have nothing to do. Don't make it difficult for Mr. Li. I heard that you often get a little cheap in the logistics department. You get a profit. It's spread. Everyone asks so. How can Mr. Li deal with it?"

Fang Ping said, "I have a large trading volume!"

"That can't make it difficult for Mr. Li. The exchange price set by the school can't be changed by Mr. Li alone.

To tell you the truth, some gaps are subsidized by old Li. Don't rely on a little cleverness to think that people in the world are fools! "

Fang Ping opened her mouth, but now she didn't know what to say.

Tang Feng hummed: "OK, just know these things in your mind. We'll gather in the training building later!"

"Oh."

Fang Ping seems a little listless. Has Lao Li Tou subsidized himself?

He thought Lao Li Tou was in charge of the logistics department. He had amazing power and fat oil.

……

As soon as Tang Feng left, others got off one after another. Fu Changding came over and whispered, "make an appointment with Zhao Lei in the evening?"

Zhao Lei also came over. Hearing that Yan's face was black, he looked at Fu Changding coldly.

Fang Ping, he's in the middle of the third grade. He's not an opponent.

But Fu Changding... This guy deserves to be beaten!

Fang Ping ignored him, temporarily pressed down his words, thought for a while and whispered, "do you lack credits?"

"Nonsense!"

"If... I said if, now I'll lend you credits. It's no problem to borrow one or two hundred credits. Would you like to borrow them?"

As soon as these words came out, they all looked at Fang Ping.

Wu Zhe, you are already hearing and seeing. Now almost everyone has heard it.

Fang Ping said, "of course, I'm just giving an example. I don't want to lend it to you, it's the school.

I suggested to the school before. Now everyone has a big gap and is at the peak of improvement.

We can't let everyone stop because of the problem of credits.

I also specially found the dean. Now the school seems to have this meaning. Once the school really borrows credits for us, we can quickly improve our strength. If our strength is improved, we are afraid that it will be difficult to earn credits?

It's hard to earn 10 credits for a martial artist of grade one, but what's thirty or fifty credits for a martial artist of grade two?

Earning 100 credits for the second grade can kill people, but when it comes to the third grade, or the high grade of the third grade, it's not casual.

If you have any ideas, you can tell me that I'll talk to the school. I think there's a lot of hope. "

"Fang Ping, are you serious?"

Yu Xianghua stood up and said, "can you really advance?"

Fang Ping coughed and said, "you may have to pay a small amount of interest. For example, if you borrow 100 credits in advance, you may have to pay one more credit every month."

"What is this!"

Yu Xianghua doesn't care!

Sometimes, if you break through, the difference is the 100 credits. You really need to borrow them in advance. If you break through, will one credit a month count as credit?

It's not easy to do a simple task casually.

In exchange for money, it's only 30000.

Even Fu Changding became interested and said curiously, "Fang Ping, is there really such a thing?"

"Well, that's what the school is going to do. Let me ask for your opinions. It's also for the benefit of all students.

So later, I'll ask someone to do a questionnaire survey. If everyone really agrees, I'll go to the school for negotiation. "

"OK, you!"

Yang Xiaoman was surprised and said, "you can promote the new policy in magic force now, you can!"

Fang Ping said with a reserved smile: "everyone is a classmate. Your strength is strong and your magic power is strong. It will be safer for us to do the task together.

Solo music is not as good as public music. Personal strength can't represent anything.

Watching some students helplessly, because they are trapped in resource problems and can't practice and break through, I actually don't feel it in my heart.

And as a member of our Pingyuan society, I also won you extra benefits! "

Fang Ping glanced at the others, pretending to be mysterious and said, "we Pingyuan club, because we served everyone well before, the school means that we can lend certain credits to our members free of charge.

This is much better than others. Pingyuan society doesn't recruit people now, otherwise it can be broken through the threshold.

In addition, the remote platform we are responsible for may do some activities.

For example, buy a three product Qi and blood pill and send an ordinary Qi and blood pill.

Or buy a class C weapon and give you a self-defense dagger.

Don't tell others about these things for the time being. The things in the school are limited. Let's buy them secretly... "

Everyone's eyes lit up. Even Zhang Ziwei, who didn't deal with Fang Ping, came over and said, "are you serious?"

Fang Ping frowned and said, "I didn't tell you to talk to people in our society. Don't eavesdrop on people."

After that, Fang Ping said to Fu Changding, "let's walk and say, this is the welfare I won. Don't take advantage of the old student."

Fu Changding followed up, and Fang Ping said in a low voice, "I just got carried away. I shouldn't have said it at the old student's side. If they spread it out, we won't have much chance..."

As Fang Ping's voice came faintly, Zhang Ziwei looked at everyone. For a long time, Zhang Ziwei whispered, "it's all confidential!"

People nodded one after another. The school resources are limited. I really want to buy a three-level Qi and blood pill and an ordinary Qi and blood pill as Fang Ping said. This is extra money.

We all consume a lot. If we can save a little, we will lose money in doing tasks.

……

It was agreed that everyone kept it a secret. As a result, the school almost spread in the evening.

"Have you heard? Exchange pills on the remote platform. Buy one and get one free. The price is the same as usual!"

"Really?"

"Why are you lying? Remember to keep it a secret. There are not many things. If someone knows, they will be robbed immediately."

"Sure!"

……

"You know what? The school allows us to borrow credits in advance and return them when they are due. It's just that there are not many credits and we still need qualification review. I don't know if we are qualified?"

"And this?"

"Well, I've heard people say that the Pingyuan society in Fangping can borrow credits without interest!"

"Why!" Some people are unwilling to say.

"Why else? I heard that Fang Ping suggested it to the dean. The dean said his suggestion was good. Fang Ping took the opportunity to say that Pingyuan society paid more for you and often gave you things..."

"Shit, I knew I'd send it too. Isn't that the way? What a big deal. Now it's all cheap for those people. By the way, can you join the club now?"

"It doesn't seem to work. It's a pity."

……

On this day, the members of Pingyuan society were also secretly happy.

Some members who had no income and didn't get much benefit had a heart of quitting.

But now I know that Pingyuan club can borrow credits in advance and borrow them for free. Everyone is happy.

Compared with others, the people of Pingyuan society do not have an advantage, and some people have not become martial artists up to now.

But once you can borrow credits in advance, you may break through it soon.

In the blink of an eye, Pingyuan society was on fire, as were the news of pre borrowed credits and platform discounts.

……

At the same time, Fang Ping patted Guo Sheng on the shoulder and said, "well done. When the club gets the business qualification, you can borrow at least 50 credits in advance. It's free, not in vain."

Guo Sheng smiled and said curiously, "president, this is a good thing. Why tell others?"

Fang Ping said with a smile, "the martial arts should be dedicated to the public, selfish and patronize themselves. Is that still the martial arts? Guo Sheng, think about it and don't go astray."

"The president is wise!"

The little fat man admired the president. The president is the president. His consciousness is really high!

Fang Ping made a ha ha and walked away to see what fame and wealth are.

Wait until the beginning of next semester, when the freshmen enter the school, and then deceive a group of free labor to come in. Now these people are probably martial artists, and they will be useful in the future.