NOVEL NEXT Shenhao starts from the crazy discount store
Chapter 12 Developing Systematic Financial Services
Chapter 12 Developing Systematic Financial Services
"What do you woman want, get up, don't try to pester my Yang Hao, get out."
Tian Xiaorui overthrew her with quick eyesight and quick hands.
Ning Qianqian was still not reconciled and wanted to pounce on her.
"Yang Hao, for the sake of old love, please forgive me this time, I beg you, I really know I was wrong, give me another chance, woo woo."
Tian Xiaorui stopped her in disgust.
Do not let them come near.
Yang Hao snorted coldly.
"Forgive you, give me another chance?"
Ning Qianqian nodded her head while weeping, praying eagerly.
Yang Hao said sarcastically.
"Opportunity, didn't I call you before?"
Ning Qianqian's crying stopped abruptly.
Her eyes were red and swollen, and she stared at Yang Hao.
Yang Hao snorted disdainfully.
"I gave you the opportunity a long time ago. You don't cherish it yourself. You can't blame me for that. Xiaorui, it's noisy here. I think we'd better go."
"Okay."
Tian Xiaorui couldn't ask for more.
Hastily pulled Yang Hao out of the pharmacy.
"Don't go, Yang Hao, please don't go, I know I was wrong, I really know I was wrong, please give me another chance, woo, don't leave me..."
Inside the pharmacy.
Ning Qianqian cried and begged for forgiveness.
Yang Hao glanced at her contemptuously.
Then get into a Ferrari.
Woohoo!
Ferrari let out a relentless growl.
Ride away.
Ning Qianqian was completely desperate.
Regret wanted to die.
Inside the hotel.
Yang Hao was lying on the bed.
The mood at the moment is particularly cool.
How did Ning Qianqian abandon him back then?
He is vivid.
That humiliation was engraved in his heart.
Today, he was finally ashamed.
"How you hurt me back then, I will repay you today. You deserve it, Ning Qianqian."
There was the sound of splashing water in the bathroom.
Tian Xiaorui is washing Xiangxiang.
The corner of Yang Hao's mouth twitched into an evil smile.
If you have money, it is not ordinary.
This kind of philistine gold digger.
I used to be dismissive of us.
Now they are flocking to them, rushing to curry favor.
"Ding! The ex-girlfriend regrets the completion of the random task, and the reward is announced."
"Ding! Bonus mission points +100.
Reward the host's daily membership consumption limit + 50.
Rewards give an additional 100 million member consumption quota. "
Yang Hao grinned happily and asked.
"System, what is the use of these task points?"
"Ding! Points can be exchanged for member consumption points. 100 points can be exchanged for 10 member consumption quota. They can also be exchanged for skill points. They can also be used for promotional activities of personal products. 100 points can be exchanged for 100 hours for a product promotion period."
"The blessing of skill points, as well as the promotion of personal products, do you mean that you can open a store?"
"Ding! Task points: 100, successfully activated [Personal Skill Center] [Personal Shop Center] function."
The system jumped out, and there were two more control panels on the holographic screen.
[Name]: Yang Hao
[Membership Level]: Cainiao Member
[Personal Center]: Click to enter
[Shenhao Commodity Center]: Click to enter
[Shenhao Mission Center]: Click to enter
[Personal Skills Center]: Click to enter
[Personal Product Center]: Click to enter
"Ding! The host bought a Ferrari and triggered the car skill. The current car owner's car skill [Elementary Drift] is 5/100."
Yang Hao suddenly had more knowledge about drifting car skills in his head.
This knowledge made his blood boil.
He felt his hands and feet couldn't help but want to control the sports car and hit the road.
I should have really mastered the elementary drift car skills.
The personal skill center is constantly flickering.
Yang Hao immediately clicked to view.
[Host skills]: [Learning], [Competition], [Talent]
[Study]: mathematics, chemistry, physics, literature, chess, astronomy, archaeology, finance, management...
【Athletics】: housework, fighting, basketball, football, swimming, long jump, long-distance running...
[Talent]: singing, dancing, painting, acting...
Yang Hao saw that there was room surgery in the competition.
Immediately laughed.
This is also a skill, really convinced.
Click on these three categories of skills.
Then click on the subcategory.
In the car skill block.
Yang Hao saw his current skill points.
[Car Skill]: Primary Drift 5/100
Yang Hao asked.
"If you want to exchange points for skills, how many skill points can you exchange for 100?"
"Ding! 100 points can be exchanged for 10 skill points."
"It's too little. If you don't exchange it, won't this skill point increase?"
"Ding! That's not the case. Skills are learning growth-type skills. As time goes by, with continuous familiarization and learning, skill points will continue to increase skill points over time."
Yang Hao understood.
To put it bluntly, practice makes perfect.
It would be nice if he could increase his skill points by himself, and the task points could also be saved.
Yang Hao turned his eyes back to the [Personal Shop Center].
"Can I open a shop by myself?"
"Ding! The Shenhao Membership System is for the majority of Shenhao members. Members can shop and manage their own products."
"Oh?"
Yang Hao rubbed his chin, he was worried about how to break through the limit of clearing membership consumption every morning.
Sending a shop now, maybe this is a breakthrough.
Yang Hao pondered.
For a while.
He searched [Shenhao Commodity Center] first.
It turned out to be exactly as he expected.
So he asked the system.
"System, is financial service a commodity, and can it be listed for trading?"
"???"
The system fell into a certain chaos again.
The corner of Yang Hao's mouth twitched with pride.
explained in detail.
"Financial services are very similar to when you loaned me money before. For example, I want to open a bank and let everyone save money. When the money saved reaches the agreed time, I will give him the principal and interest."
"Ding! Deposit service is a commodity transaction, and this commodity can be listed for trading."
"What about other financial services, such as funds, virtual currency, member points, member point cards, member consumption points, etc.?"
"Ding! As long as it conforms to the circulation of commodities, it can be used as commodities and conduct normal transactions. All currencies, funds, virtual currencies, membership points, point cards, consumption points, etc., can be traded as long as they have commodity circulation. "
Yang Hao asked again.
"After the transaction, for example, seller A sells his membership points and so on to merchant B. Does merchant B have complete private ownership of the products A sells to him?"
"Ding! After buying and selling goods, they are completely privately owned, so they naturally have private ownership."
The corner of Yang Hao's mouth curled into a smug smirk.
"System, talking about it is not reliable, let's sign a business agreement, the contract shall prevail, okay?"
"Yes, the system will draw up a contract for the host."
Soon, the system drew up a draft contract.
Yang Hao carefully read the draft agreement.
Propose a portion of the amended payment.
The system agrees one by one.
The final contract is formed.
"Ding! Please sign the host."
Yang Hao signed the contract on the electronic screen, pressed his fingerprints, and read the iris fingerprints of the eyes.
In this way, the commercial sales contract is concluded.
Yang Hao immediately excitedly clicked to enter [Personal Store Center]
"Help me set up a Yang's credit center."
"Ding! Yang's Credit Center was established."
"The first product in this store is a deposit business. This product does not participate in member discount activities."
"Deposits are classified according to bank standards.
The benchmark interest rate for demand deposits is 0.35%;
定期存款：三个月利率为1.10%;半年利率为1.30%;一年利率为1.50%;二年利率为2.10%;三年利率为2.75%。
Demand deposits can be deposited and withdrawn at any time, and fixed deposit withdrawals need to be reserved seven days in advance. "
"Ding! The deposit business product has been successfully launched, please check."
Yang Hao checked, in his shop.
A patterned commodity with a pile of gold coins hanging on it.
click to enter.
【Deposit business】:
【Current deposit】:
Please enter the deposit amount【】
【Fixed deposit】:
Please enter the deposit amount【】
After entering the amount, click deposit, which is a deposit agreement.
After signing, it will generate the same deposit slip as the bank.
With the deposit slip, personal fingerprint and iris verification, you can withdraw money
The corner of Yang Hao's mouth grinned.
Deposit business is the first step.
The second step:
"System, I want to set up a fund, the name of the fund is [Fortune Treasure],
This product has the following characteristics:
Easy to operate, low threshold, zero handling fee, can be picked up and used at any time.
All Shenhao members who have spare money in their hands can invest in [Fortune Treasure]. "
Yang Hao immediately introduced some policies, such as adjusting the single-day purchase quota to 1000 million yuan, withdrawing money within seven days, without any profit.
That is to say, the application for the purchase of an investor's personal trading account that exceeds 1000 million yuan in a single day will not be accepted.
Then indicate the risk operation of the fund, the income fluctuates with the market, and so on.
These regulations are written in order to fear that a large-scale run will be discovered in the future, and if losses occur, the principal will be chased.
This thing is that Yang Hao copied the Blue Star Internet Fund.
Throwing this out, it can compete very well with the deposit business.
No matter which product the member saves money into, they will put the money into Yang Hao's pocket.
This second step is complete.
It is the third step.
This third step is Yang Hao's ultimate goal.
"System, set up [Member Consumption Points Cash Out] products.
All members' daily consumption points can be exchanged for cash, and the exchange ratio is 1:1. "
"Ding! [Member Consumption Point Cash Out] product has been set up for you."
"Yes."
Yang Hao laughed excitedly.
"Haha, system, you've been fooled. Once the member consumption points are cashed in for cash products, it is equivalent to giving me the ability to purchase all Shenhao member consumption points. Once these member consumption points are bought and sold, they are all my personal. How about you?" There is no right to clear it in the early morning.”
"???"
The system suddenly made a rapid beeping sound.
The signed contract terms flashed rapidly on the holographic screen.
The system quickly checks the contract.
Hoho, the protagonist is a rule breaker and doesn't like to be restrained. I hope you will like it and ask for your support.
(End of this chapter)
"What do you woman want, get up, don't try to pester my Yang Hao, get out."
Tian Xiaorui overthrew her with quick eyesight and quick hands.
Ning Qianqian was still not reconciled and wanted to pounce on her.
"Yang Hao, for the sake of old love, please forgive me this time, I beg you, I really know I was wrong, give me another chance, woo woo."
Tian Xiaorui stopped her in disgust.
Do not let them come near.
Yang Hao snorted coldly.
"Forgive you, give me another chance?"
Ning Qianqian nodded her head while weeping, praying eagerly.
Yang Hao said sarcastically.
"Opportunity, didn't I call you before?"
Ning Qianqian's crying stopped abruptly.
Her eyes were red and swollen, and she stared at Yang Hao.
Yang Hao snorted disdainfully.
"I gave you the opportunity a long time ago. You don't cherish it yourself. You can't blame me for that. Xiaorui, it's noisy here. I think we'd better go."
"Okay."
Tian Xiaorui couldn't ask for more.
Hastily pulled Yang Hao out of the pharmacy.
"Don't go, Yang Hao, please don't go, I know I was wrong, I really know I was wrong, please give me another chance, woo, don't leave me..."
Inside the pharmacy.
Ning Qianqian cried and begged for forgiveness.
Yang Hao glanced at her contemptuously.
Then get into a Ferrari.
Woohoo!
Ferrari let out a relentless growl.
Ride away.
Ning Qianqian was completely desperate.
Regret wanted to die.
Inside the hotel.
Yang Hao was lying on the bed.
The mood at the moment is particularly cool.
How did Ning Qianqian abandon him back then?
He is vivid.
That humiliation was engraved in his heart.
Today, he was finally ashamed.
"How you hurt me back then, I will repay you today. You deserve it, Ning Qianqian."
There was the sound of splashing water in the bathroom.
Tian Xiaorui is washing Xiangxiang.
The corner of Yang Hao's mouth twitched into an evil smile.
If you have money, it is not ordinary.
This kind of philistine gold digger.
I used to be dismissive of us.
Now they are flocking to them, rushing to curry favor.
"Ding! The ex-girlfriend regrets the completion of the random task, and the reward is announced."
"Ding! Bonus mission points +100.
Reward the host's daily membership consumption limit + 50.
Rewards give an additional 100 million member consumption quota. "
Yang Hao grinned happily and asked.
"System, what is the use of these task points?"
"Ding! Points can be exchanged for member consumption points. 100 points can be exchanged for 10 member consumption quota. They can also be exchanged for skill points. They can also be used for promotional activities of personal products. 100 points can be exchanged for 100 hours for a product promotion period."
"The blessing of skill points, as well as the promotion of personal products, do you mean that you can open a store?"
"Ding! Task points: 100, successfully activated [Personal Skill Center] [Personal Shop Center] function."
The system jumped out, and there were two more control panels on the holographic screen.
[Name]: Yang Hao
[Membership Level]: Cainiao Member
[Personal Center]: Click to enter
[Shenhao Commodity Center]: Click to enter
[Shenhao Mission Center]: Click to enter
[Personal Skills Center]: Click to enter
[Personal Product Center]: Click to enter
"Ding! The host bought a Ferrari and triggered the car skill. The current car owner's car skill [Elementary Drift] is 5/100."
Yang Hao suddenly had more knowledge about drifting car skills in his head.
This knowledge made his blood boil.
He felt his hands and feet couldn't help but want to control the sports car and hit the road.
I should have really mastered the elementary drift car skills.
The personal skill center is constantly flickering.
Yang Hao immediately clicked to view.
[Host skills]: [Learning], [Competition], [Talent]
[Study]: mathematics, chemistry, physics, literature, chess, astronomy, archaeology, finance, management...
【Athletics】: housework, fighting, basketball, football, swimming, long jump, long-distance running...
[Talent]: singing, dancing, painting, acting...
Yang Hao saw that there was room surgery in the competition.
Immediately laughed.
This is also a skill, really convinced.
Click on these three categories of skills.
Then click on the subcategory.
In the car skill block.
Yang Hao saw his current skill points.
[Car Skill]: Primary Drift 5/100
Yang Hao asked.
"If you want to exchange points for skills, how many skill points can you exchange for 100?"
"Ding! 100 points can be exchanged for 10 skill points."
"It's too little. If you don't exchange it, won't this skill point increase?"
"Ding! That's not the case. Skills are learning growth-type skills. As time goes by, with continuous familiarization and learning, skill points will continue to increase skill points over time."
Yang Hao understood.
To put it bluntly, practice makes perfect.
It would be nice if he could increase his skill points by himself, and the task points could also be saved.
Yang Hao turned his eyes back to the [Personal Shop Center].
"Can I open a shop by myself?"
"Ding! The Shenhao Membership System is for the majority of Shenhao members. Members can shop and manage their own products."
"Oh?"
Yang Hao rubbed his chin, he was worried about how to break through the limit of clearing membership consumption every morning.
Sending a shop now, maybe this is a breakthrough.
Yang Hao pondered.
For a while.
He searched [Shenhao Commodity Center] first.
It turned out to be exactly as he expected.
So he asked the system.
"System, is financial service a commodity, and can it be listed for trading?"
"???"
The system fell into a certain chaos again.
The corner of Yang Hao's mouth twitched with pride.
explained in detail.
"Financial services are very similar to when you loaned me money before. For example, I want to open a bank and let everyone save money. When the money saved reaches the agreed time, I will give him the principal and interest."
"Ding! Deposit service is a commodity transaction, and this commodity can be listed for trading."
"What about other financial services, such as funds, virtual currency, member points, member point cards, member consumption points, etc.?"
"Ding! As long as it conforms to the circulation of commodities, it can be used as commodities and conduct normal transactions. All currencies, funds, virtual currencies, membership points, point cards, consumption points, etc., can be traded as long as they have commodity circulation. "
Yang Hao asked again.
"After the transaction, for example, seller A sells his membership points and so on to merchant B. Does merchant B have complete private ownership of the products A sells to him?"
"Ding! After buying and selling goods, they are completely privately owned, so they naturally have private ownership."
The corner of Yang Hao's mouth curled into a smug smirk.
"System, talking about it is not reliable, let's sign a business agreement, the contract shall prevail, okay?"
"Yes, the system will draw up a contract for the host."
Soon, the system drew up a draft contract.
Yang Hao carefully read the draft agreement.
Propose a portion of the amended payment.
The system agrees one by one.
The final contract is formed.
"Ding! Please sign the host."
Yang Hao signed the contract on the electronic screen, pressed his fingerprints, and read the iris fingerprints of the eyes.
In this way, the commercial sales contract is concluded.
Yang Hao immediately excitedly clicked to enter [Personal Store Center]
"Help me set up a Yang's credit center."
"Ding! Yang's Credit Center was established."
"The first product in this store is a deposit business. This product does not participate in member discount activities."
"Deposits are classified according to bank standards.
The benchmark interest rate for demand deposits is 0.35%;
定期存款：三个月利率为1.10%;半年利率为1.30%;一年利率为1.50%;二年利率为2.10%;三年利率为2.75%。
Demand deposits can be deposited and withdrawn at any time, and fixed deposit withdrawals need to be reserved seven days in advance. "
"Ding! The deposit business product has been successfully launched, please check."
Yang Hao checked, in his shop.
A patterned commodity with a pile of gold coins hanging on it.
click to enter.
【Deposit business】:
【Current deposit】:
Please enter the deposit amount【】
【Fixed deposit】:
Please enter the deposit amount【】
After entering the amount, click deposit, which is a deposit agreement.
After signing, it will generate the same deposit slip as the bank.
With the deposit slip, personal fingerprint and iris verification, you can withdraw money
The corner of Yang Hao's mouth grinned.
Deposit business is the first step.
The second step:
"System, I want to set up a fund, the name of the fund is [Fortune Treasure],
This product has the following characteristics:
Easy to operate, low threshold, zero handling fee, can be picked up and used at any time.
All Shenhao members who have spare money in their hands can invest in [Fortune Treasure]. "
Yang Hao immediately introduced some policies, such as adjusting the single-day purchase quota to 1000 million yuan, withdrawing money within seven days, without any profit.
That is to say, the application for the purchase of an investor's personal trading account that exceeds 1000 million yuan in a single day will not be accepted.
Then indicate the risk operation of the fund, the income fluctuates with the market, and so on.
These regulations are written in order to fear that a large-scale run will be discovered in the future, and if losses occur, the principal will be chased.
This thing is that Yang Hao copied the Blue Star Internet Fund.
Throwing this out, it can compete very well with the deposit business.
No matter which product the member saves money into, they will put the money into Yang Hao's pocket.
This second step is complete.
It is the third step.
This third step is Yang Hao's ultimate goal.
"System, set up [Member Consumption Points Cash Out] products.
All members' daily consumption points can be exchanged for cash, and the exchange ratio is 1:1. "
"Ding! [Member Consumption Point Cash Out] product has been set up for you."
"Yes."
Yang Hao laughed excitedly.
"Haha, system, you've been fooled. Once the member consumption points are cashed in for cash products, it is equivalent to giving me the ability to purchase all Shenhao member consumption points. Once these member consumption points are bought and sold, they are all my personal. How about you?" There is no right to clear it in the early morning.”
"???"
The system suddenly made a rapid beeping sound.
The signed contract terms flashed rapidly on the holographic screen.
The system quickly checks the contract.
Hoho, the protagonist is a rule breaker and doesn't like to be restrained. I hope you will like it and ask for your support.
(End of this chapter)
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