When the idea of ​​an interest-free loan came up, Raman found it unbelievable.

This Hongye Bank obviously makes money through loan interest, so how can it be interest-free? Why not make money? Shu Daqiang told him that only people with very high evaluation scores can apply for interest-free loans. It is difficult for ordinary people to apply for them. There is no need to pay interest, only a small handling fee and a certain value of collateral.

Currently in the Kingdom of Danga, only Grand Duke Tarahman and King Nebet are qualified.

Of course, the king is definitely not short of money, so for now, the Duke of Raman is the only person in the world who is qualified!

These are Shu Daqiang’s original words.

Raman wanted to say: King Bennett is also very short of money! But Shu Daqiang thought so highly of His Majesty the King that he was a little embarrassed to say it again.

When King Nebet heard about this, he said without hesitation: "Why am I short of money? I also want to borrow money from Red Leaf Bank!"

King Nebet looked at Raman with sharp eyes.

"ah?"

Raman was a little confused. He said the king was not short of money out of consideration for the king's face, but he didn't expect that the king himself didn't seem to care.

"I know what you mean, but at a time like this, there's no need to worry about face. If we have more money and more supplies than others, we'll have a greater chance of surviving this war. Face or not is not important at all!"

Nebet spoke wisely.

Raman thought about it and agreed.

Although there has not been a large-scale war in the Danga Kingdom for the time being, it does not mean that it can stay out of it. The reasons why they have not attacked us are, first, because this place is too remote and it is not worth making a special trip now; second, the Danga Kingdom is too small and is not on the threat list of those powerful countries.

But sooner or later they will attack.

It depends on whether the Danga Kingdom can hold on during this period of time.

So, King Nebet personally met with Shu Daqiang.

This was the first time that Shu Daqiang met the king of Danga. He looked very similar to Raman, but was thinner.

The few of them exchanged some pleasantries first, and then King Nebet got straight to the point and asked about the loan.

Shu Daqiang also told King Nebet very directly that as long as he provided support to Red Leaf Bank, he could easily get a loan from the bank.

As for how to support, it is also very simple. Nebet does not need to pay anything. He only needs to ensure that Red Leaf Bank will not be bullied in Danga and serve as the image ambassador of Red Leaf Bank.

Nebet could understand the need to protect Red Leaf Bank, but he did not quite understand what an ambassador was.

Shu Daqiang's explanation was also very simple and clear. The influence ambassador is the spokesperson for Hongye Bank. He uses his fame to advertise Hongye Bank and increase its reputation.

The image ambassador needs to be present when Hongye Bank opens, and he also needs to participate when Hongye Bank holds major events. He does not need to do anything, just show his face, and he doesn't even have to say a word.

This doesn't sound difficult at all, it just requires some worthless time.

Nebet and Raman discussed it for a while and agreed.

When signing the contract, Shu Daqiang, at Nebet's request, also stated in the contract that Nebet, as the image ambassador, did not have to pay anything to Hongye Bank.

After all, this Red Leaf Bank was a strange thing, and Nebet was afraid that he would be tricked, so he was very cautious.

Of course Shu Daqiang did not refuse, and repeatedly stated that Hongye Bank was a formal institution with chains all over the world and would not deceive anyone.

At the same time, Shu Daqiang also said that if King Nebet is interested, he can also sign a lifelong image ambassador contract with His Majesty the King. In other words, as long as King Nebet is in power, he will be the image ambassador of Hongye Bank.

The contract signed now is five years. If it is a lifetime contract, the bank will not only provide Nebet with a certain amount of interest-free loans, but also give him a certain amount of profit every year.

That sounds like a good idea.

After a little thought, King Nebet agreed. After all, being the ruler for five years or fifty years is the same, and it doesn't require him to pay anything, so it doesn't matter.

Besides, whether the Danga Kingdom can survive this year and whether he can continue to be the king is a question, so he doesn't care about that little bit of time.

Therefore, both parties signed the cooperation agreement happily.

The construction of Hongye Bank officially started on the second day after the contract was signed.

This is also a trick that Shu Daqiang has in mind. If King Nebet does not agree, then he may need to consider going to another country.

The reason why he insisted on making King Nebet the image ambassador was very simple. After all, this was not the Kingdom of Buck and there was no Zhang Feng.

If there is no reputable person to endorse Hongye Bank, many people may not trust the bank. After all, this involves money and everyone is more cautious.

If one person, especially the King of one's own country, stood up, the effect would be completely different.

This ambassador, just as Shu Daqiang said, will not have any impact on King Nebet, and both sides can get what they want.

But the prerequisite is that Hongye Bank will not have a crisis of trust and will not go bankrupt.

This is Zhang Feng’s outpost for invading the Orc Kingdom. He will naturally not let any problems occur in Hongye Bank, so the probability of this happening is very small.

After signing the contract, Shu Daqiang used the name of King Nebet to publicize it in the capital of Danga.

So, when the bank building was still under construction, many people were eager to try it out. When the bank finally opened and announced the interest rate for deposits, everyone went crazy and came with bags of gold coins to deposit money.

King Nebet had not expected this situation.

“There are really so many people coming to deposit money?”

He spoke to Raman with some surprise.

“I didn’t expect that…”

Raman also shook his head.

Although they are partners, they feel a little jealous when they see that the business is so good on the first day of opening.

Now, they already know the profit model of Hongye Bank.

It means obtaining funds through other people's deposits, and then lending out these funds to earn the difference.

Shu Daqiang did not hide these things. After all, any smart person could see them at a glance if they just came to the bank to find out.

However, Shu Daqiang would definitely not tell the exact amount of profit. After all, wealth should not be shown to others, and he was afraid that Bennett would become jealous.

Bennett was only jealous for a while and then didn't care about it anymore.

When I think about the fact that I am going to take out such a large amount of interest-free loan, plus Raman, it is a huge number.

Others may not necessarily take out loans. After all, the interest on loans is not small. If everyone saves money and does not take out loans, the bank will not make much money.

What Shu Daqiang meant was that they should make small profits but quick turnover. There were many Red Leaf Banks like theirs all over the world. If one of them could make a little money, then the profits from all the banks combined would be enough for them.

Nebet believed it.

Raman also believed it.

But they had no idea how terrifying the benefits involved were.

First of all, the number of wealthy people in King Danga's city was far beyond King Nebet's expectations.

On the first day of opening, three million gold coins were deposited into the bank! This was just from the Royal City. Once the news spread, there would definitely be people from other places depositing money.

Although compared with Hongye City, these three million gold coins are nothing. After all, Hongye City deposited 10 million gold coins on the opening day. But considering that this place is not as developed as Hongye City and is far from as wealthy as Hongye City, this number is already terrifying.

Before, Shu Daqiang jokingly asked King Nebet how many people would come to deposit money on the opening day.

Nebet knew how poor his country was, and he thought the money wouldn't be much, but considering that he must not scare away Shu Daqiang and the others, he said a figure of 500,000 gold coins.

In fact, he thought that saving 100,000 yuan that day was a very impressive number, and the 500,000 yuan was "falsely reported" by him.

But clearly, he underestimated his own people.

Nowadays, rich people are not stupid. There are many people who can be seen as rich at first glance, and there are also many low-key rich people.

In particular, Hongye Bank has hinted that there is a super power behind the bank that will not disclose any customer information. Even His Majesty the King has no right to access the account owner's information.

The bank also assured everyone that even if the Danga Kingdom ceased to exist, their bank would still be there, and no matter where they went in the future, as long as they found Hongye Bank, they could withdraw their money! This reason was the focus of the public's attention.

The current situation of the Danga Kingdom is unclear. If they are really defeated and destroyed, then rich people like them will be destined to become the focus of attention and will definitely not end well. This is inevitable.

But if their money is kept in a bank, it seems much safer.

Even if Danga is finally conquered, let them search. If they can find it, it will be considered as their ability.

Of course, before that, they have to ensure that they do not die, otherwise the money deposited in the bank will become the bank's. After all, they are the ones holding the passbooks, and they would not trust others to do so.

Zhang Feng could clearly understand the situation of the orcs of Danga Kingdom, so he considerately asked Shu Daqiang to add a business that Hongye City did not have - insurance.

There are not many types of insurance, and for now there is only one "life accident insurance".

This means that as long as you spend a certain amount of gold coins to buy this accident insurance, if you really encounter an accident, you will receive a certain amount of compensation. The more you buy, the more compensation you will get, and the beneficiary can be your descendants.

At the same time, if you buy this insurance, if an accident occurs, your deposit will be automatically transferred to the name of the beneficiary without you having to do anything.

For those rich people, they also like this insurance very much.

Their minds are actually very complicated. For example, when they are alive, they naturally hope that all the money is in their own hands. Even if they leave a part of it to their descendants, most of it still stays in their own hands. Whether they are humans or orcs, greed is engraved in their bones. This is human nature.

But if they are about to die, they will definitely hope that the money will be in the hands of their descendants. After all, it is better to leave it to future generations than to give it to others for free.

That is a problem. If we leave the money to our descendants now, they will be reluctant to spend it. Moreover, there are quite a few descendants of these wealthy people, so there may be issues of struggle involved.

But if they don’t give it to them, they might be gone at any time.

So it's very confusing.

And this insurance is like understanding their inner struggles, it is very suitable.

However, Red Leaf Bank also made it very clear that only accidents count. Considering the current issue of war, war counts as an accident, but if it is a premeditated murder by a relative, it does not count.

This is to tell them not to tell everyone about the insurance they bought, otherwise if someone kills them, they will be unlucky and the bank will be in trouble too.

In this regard, these people naturally promised not to tell anyone else. Even if they let it slip, they would never reveal who the beneficiary is.

So, on that day, in addition to the 3 million gold coins in deposit, the insurance sold another 500,000 gold coins! This was because some people were still hesitant and had not yet selected the beneficiary, otherwise it would have sold more.

This insurance is pure gross profit. Although there will definitely be claims later, it is impossible for everyone to die. Only a small number of people die accidentally. Overall, it is definitely a profit.

As for why he was sure that these people would not all die, it was because Zhang Feng regarded Danga City as an economic invasion outpost and would not allow Danga to be destroyed.

If the danger really came, he would have to send more troops to protect the Kingdom of Danga.

When it comes to defeating the Sirius Empire, Zhang Feng is not at all confident, but when it comes to making Danga Kingdom fall out of the rankings and not be eliminated, Zhang Feng is confident that he can do so.

Of course, Zhang Feng would never tell anyone about this, not even Shu Daqiang, for he was afraid that he would let the cat out of the bag.

This is to prevent the orcs of Danga from becoming "comfortable" after knowing this matter.

After all, Zhang Feng still wants to make money from them, and they can't do without motivation.

Within three days, the Red Leaf Bank of Danga was back on track.

Every day, there are a steady stream of people coming to deposit money, while some are also applying for loans.

Shu Daqiang even started providing one-stop service.

At this time, people who take out loans basically do not do so for business, but to improve their self-protection capabilities so that they have enough capital to protect themselves before the war breaks out.

Therefore, Shu Daqiang opened three more stores next to Hongye Bank, one specializing in selling various weapons and armors, one specializing in food, and the last one selling groceries.

This way, an industrial chain was directly formed.

Someone came to Hongye Bank to apply for a loan. After getting the loan, he found that the things here were unexpectedly good. When he saw that they were Hongye brand, he simply spent the money here and took a bunch of supplies home.

This is considered extra income.

At the same time, business with King Nebet also began.

Nebet used a one million interest-free loan to buy countless weapons, armor, and food, all of which were on the way.

As collateral, a small town next to the royal capital was rented to the Red Leaf Chamber of Commerce for a hundred years at the price of one gold coin.