Chapter 19: Huitong Tianxia

Time flies.

In the blink of an eye, three or four days passed.

Zhang Xingyu and his group of three arrived at Shanyang Cheng.

Shanyang Cheng is a small border town, with a square layout, a side length of no more than one or two miles, and a population of no more than 100,000.

If it were placed in the China of Zhang Xingyu's previous Earth, it wouldn't even count as an eighteenth-tier city. But in this Xianxia World, it is the economic, political, military, and cultural center for hundreds of miles around.

Jin Muyun was born in Shanyang Cheng and was very familiar with every blade of grass and tree in the city.

He led the two into the city, crossed a long Vermilion Bird Street, and headed straight for a bank in the west of the city.

This bank is named "Huitong Tianxia" and engages in various businesses related to currency. In layman's terms, it is a bank in the Xianxia World.

As soon as the three entered Huitong Tianxia, a young woman in a green long dress came to greet them gracefully. The woman had regular features, and a golden coin was embroidered on her high chest.

The woman stood still three meters in front of the three, squeezed out a standard smile, her red lips parted slightly, revealing eight white teeth, and said: "Welcome! Is there anything I can help you with?"

Hu Siping looked dull; he had never seen this kind of financial service.

Zhang Xingyu sighed secretly, one must not underestimate the people of this Xianxia World; even the bank in this small town is equipped with a lobby manager who has undergone strict etiquette training.

Jin Muyun nodded slightly: "We have a large gold coin exchange business to discuss."

The woman looked at the three imperceptibly and then raised her jade hand: "Three guests, please follow me to the second floor."

The three followed the woman to the second floor and walked into a room decorated elegantly. A pair of landscape porcelain vases were placed facing the door, and a three-foot-long famous calligraphy and painting hung on the wall, with the four dragon-flying-phoenix-dancing characters "Supreme Goodness is Like Water" written on it.

The woman greeted the three to sit down, poured a cup of fragrant tea for each of the three, and then said loudly to the three: "Three guests, please wait here, I will go and invite the shopkeeper of this shop."

In a short while, the woman led an old man in a brocade robe into the room: "Three guests, this is Shopkeeper Liu of this shop. Three guests, please talk in detail with the shopkeeper."

After the woman finished introducing, she bowed gracefully to the three and then moved her lotus steps downstairs.

After the woman left, Shopkeeper Liu smiled and cupped his hands at the three: "Hello, three guests. I heard from Yun girl that you have a large amount of currency to deposit."

"Exactly." Jin Muyun nodded.

Then, he looked at Shopkeeper Liu and asked: "I don't know how the storage fee is calculated?"

"One percent," Shopkeeper Liu replied.

"So expensive?" Hu Siping asked suspiciously.

"Hehe, don't the staff of our bank also need to eat?" Shopkeeper Liu didn't get angry and answered with a smile.

Jin Muyun thought for a moment and asked Shopkeeper Liu again: "Regardless of how much is deposited, regardless of how long it is deposited, is it this ratio?"

"Of course not. If you can deposit more than 10,000 gold coins at one time, you can be exempted from the storage fee. If the amount deposited at one time is less than 10,000, it will be charged at one percent per year. Of course, if the guest is a member client of our bank, it will be charged at five per thousand per year. As for the storage time, there is no limit," Shopkeeper Liu answered.

Jin Muyun listened to Shopkeeper Liu's answer and then asked Zhang Xingyu and Hu Siping with his eyes.

Zhang Xingyu lowered his head and pondered; it's unscientific, no interest for deposits, and still have to pay storage fees.

After pondering for a moment, he asked: "Shopkeeper, doesn't your bank do lending business?"

Shopkeeper Liu was confused; aren't these people here to deposit money? Why ask about lending?

However, as a businessman with a level, his temper and patience were not ordinary.

Regarding Zhang Xingyu's question, he explained patiently: "Our bank naturally does lending business."

"What interest rate?"

"Three percent interest."

Three percent interest, three percent per month, thirty-six percent per year. It's definitely usury.

Thinking of this, Zhang Xingyu had an idea: "Shopkeeper Liu, we have a sum of money and want to ask your bank to help lend it out. I don't know how many percent of the interest your bank wants to extract as a service fee?"

"Uh?"

Shopkeeper Liu was speechless.

Didn't expect there to be guests who understand the way of making money for banks.

"This, our bank has no precedent?"

"Whether there is a precedent doesn't matter. This is a business of using empty gloves to catch white wolves. Using other people's money to earn other people's money, without risk and sitting on huge profits, ask the world what else can be more cost-effective than this. How about this, I will give you thirty percent of the interest as a service fee?"

"This, our bank really has no precedent?"

"Forty percent."

"Really, really no precedent." Shopkeeper Liu's eyebrows jumped.

"Fifty percent. Any higher would be too much." Shopkeeper Liu's palms began to sweat.

"Don't tell me you still want sixty percent. That's really too greedy. We have 100,000 gold coins; if we lend them out, that's 36,000 gold coins of interest a year. Even at fifty percent, that's 18,000 gold coins."

Shopkeeper Liu's forehead was sweating coldly: "This young master, our bank really has no precedent. How about, how about you wait a moment, I will go and ask the head shopkeeper of our shop."

"Go quickly, go quickly, don't make us wait too long."

Hearing this, Shopkeeper Liu turned around and went downstairs with a thud-thud-thud.

After he went downstairs, Jin Muyun and Hu Siping gathered in front of Zhang Xingyu.

Hu Siping looked surprised: "Xingyu, when did you learn the way for banks to make money?"

"This is an obvious truth..." Thus, Zhang Xingyu began to popularize modern basic financial knowledge for Hu Siping.

Hu Siping listened and thought: Xingyu, this kid, when did he learn so much?

Jin Muyun was full of admiration: One cannot judge a person by appearance, and one cannot measure the sea with a bucket; the ancients did not deceive me.

The three waited in the room for a full hour, until the tea had been changed three times, before Shopkeeper Liu pushed the door and returned, sweating profusely.

"Three guests. Our head shopkeeper agreed. As long as you deposit 100,000 gold coins in our bank, we will give you one percent interest."

The three looked at each other upon hearing this. After confirming the look, Zhang Xingyu said: "Just do as you say. We want to deposit at least 100,000 gold coins, I fear you need to send more people to count."

Shopkeeper Liu smiled: "No problem."

Jin Muyun nodded and took off the gourd from his waist, chanting the incantation in his mouth.

In a short while, boxes flew out from the gourd mouth one after another, filling the room.

Jin Muyun stepped forward and opened the lids of the boxes one by one, revealing boxes full of shining gold coins.

Seeing this, Shopkeeper Liu stroked his chest with satisfaction.

He walked to the door of the room and gently pulled the doorbell at the door.

In a short while, the door was opened from the outside, and two men in green clothes from the bank walked in.

They took one or two gold coins from each box at random and piled them into a small golden mountain on the table.

Immediately after, they used a magnifying glass to carefully check the patterns on each gold coin, and then flicked the gold coins lightly, listening to the sound made by the gold coins with their ears.

After the inspection, they nodded to Shopkeeper Liu and then weighed the gold coins with a large scale.

"117,300." After weighing, the two reported the number of gold coins to Shopkeeper Liu.

Shopkeeper Liu nodded and said loudly to Zhang Xingyu and the three: "Three guests, the total is 117,300. Do the three want to deposit by name, or deposit anonymously?"

"What is depositing by name? What is depositing anonymously?" Hu Siping asked.

Shopkeeper Liu explained patiently: "Depositing by name means the depositor must provide valid identity information and leave personal images. Of course, the deposited money can only be withdrawn by the depositor themselves. As for depositing anonymously, it means the depositor does not need to provide identity and information, and the person withdrawing the money only needs to provide the deposit voucher to withdraw."

"Deposit anonymously. We want eleven 10,000-gold-coin notes, six 1,000-gold-coin notes, and we will pack the remaining gold coins and take them away," Jin Muyun thought for a moment and said.

Two quarters of an hour later, Shopkeeper Liu handed a stack of gold notes and a small bag of gold coins to Jin Muyun.

Jin Muyun took the things and led Zhang Xingyu and Hu Siping to bid farewell.

Shopkeeper Liu enthusiastically sent the three to the door.

Looking at the backs of the three leaving, a sharp light flashed in his eyes.

After leaving Huitong Tianxia, the three prepared to eat a big meal, firstly to celebrate getting rich, and secondly to celebrate meeting each other.

The place was chosen at Baiweiju.

Baiweiju is a very famous restaurant in Shanyang Cheng.

According to Jin Muyun, the dishes in this restaurant are very good, and the prices are very fair; he is a regular customer there.

As soon as the three arrived at Baiweiju, a waiter from the restaurant trotted over to greet them.

"Young Master Jin, you haven't been here for a long time. Please come in." The waiter bowed and invited them.

Jin Muyun nodded to the waiter: "Take us to the Grade A private room on the second floor."

"Young Master Jin, the cost of the Grade A private room is not low." The waiter reminded Jin Muyun in a low voice.

Jin Muyun took out a gold coin and threw it to him: "Stop talking nonsense, hurry up and lead the way, your money won't be missing."

"Alright, Young Master Jin, two masters, please come in!"

The waiter led the three to the second floor and arrived in a large, gorgeously decorated private room.

"Young Master Jin, two masters, what would you like to eat?" After the three sat down, the waiter asked respectfully.

Jin Muyun raised his head: "Bring us a dozen of your specialties, and bring a pot of Immortal-Smelling Drunk."

"Alright, three masters, I will go and arrange it, please wait a moment." The waiter sang a promise and went out to arrange it himself.

After the waiter left, Jin Muyun took out the gold notes from his robe, took out ten from them, and distributed five to each of the two.

Zhang Xingyu lowered his head to look at the gold note, only to see the words "Huitong Tianxia 10,000 gold coins" written on each gold note.

"Brother Jin, you gave too much." Zhang Xingyu said to Jin Muyun.

Jin Muyun waved his hand: "Not much. Just like this, you each get 50,000, and the rest belongs to me. To be honest, even like this, I have taken a great advantage."

Hu Siping's hands holding the money were shaking violently.

He had never seen so much money, nor had he ever thought that one day he would possess so much money.

He carefully tucked the gold notes into his inner pocket and pressed his hand against the pocket, refusing to let go for a long time.

After the two put away the gold notes, Jin Muyun asked: "Two brothers, you have arrived at Shanyang Cheng. Do you have any plans for the future?"

Zhang Xingyu didn't speak.

Hu Siping calmed down his excited mood and said: "I want to test whether I have spiritual roots. If I have spiritual roots, I will find a way to join the Nanhua Immortal Academy to cultivate immortality. If I don't have spiritual roots, I will buy a house and become a wealthy man."

"Xingyu, what about you?" Jin Muyun asked Zhang Xingyu.

"Me, I also want to join the Nanhua Immortal Academy, but I don't know if it will work." Zhang Xingyu replied.

"Haha. Good, good. If you can enter the Nanhua Immortal Academy, we can become fellow disciples. After eating, I will take you to the Immortal Fate Pavilion to test for spiritual roots," Jin Muyun called out happily.

The three were talking happily when the door of the private room was suddenly pushed open from the outside.

A young girl with a baby face walked in. As soon as she entered the door, she excitedly called to Jin Muyun: "Brother Muyun, I guessed that you would definitely return to Shanyang Cheng. Sure enough, I waited for you right on time." ===== CHAPTER 20 =====