I am a demonic cultivator, not a capitalist with a conscience.

Chapter 416 The Monopoly (33)

After Chen Yu finished reading the information, Zhuge Xingjun explained, "As you can see, loans are very popular among the star lords. Except for the Five Virtues Star Lord, almost all the other star lords are involved, and they're getting bigger and bigger into it. Many minor star lords' temples often use high salaries as bait to lure graduates in, making them call around every day to sell loans. If they don't meet the targets, their wages will be deducted. Many employees have to take out loans themselves to boost their performance, which is terrible."

"That's terrifying."

"Yes. But Tianyuan is alright. The previous committee took out too many loans, and now that the current committee has reneged on its commitments, many lending institutions consider Tianyuan a worthless customer, which has actually helped them avoid a lot of loan advertisements and harassment. Of course, the people at Tianyuan also dislike taking out loans, as you've probably noticed."

Recalling Teacher Zhao's falling out with Xingjun because of a loan, Chen Yu nodded with deep empathy.

In this sense, Tianyuan is like an old relic detached from the modern world, thus avoiding much of the exploitation by modern finance.

Pointing to one of the places, Zhuge Xingjun continued, "However, a problem has arisen. Although they are not exploited by conglomerates, the students who go abroad have to work, which hinders their studies. There are quite a few college students from Tianyuan, but not many of them obtain the seeds of Daoist cultivation. This is also related to the fact that their energy is scattered during their university years. There are many ways to improve grades outside, but the lack of money limits the students' potential, causing them to eventually stop at the Qi Refining Perfection stage."

"You can't even reach the Foundation Establishment stage without money."

"Yes. So I think interest-free loans are a good direction, at least for Tianyuan right now, it's a measure that can increase the Foundation Establishment rate. But there's a problem now, which is that interest-free loans will inevitably affect some people's interests."

Chen Yu nodded, knowing that Zhuge Xingjun was right.

A college student took out a loan of 120,000 yuan, but what he ultimately received was not 120,000 yuan in cash, but 120,000 yuan in magical power.

The difference is more than ten times based on the exchange rate, making it an extremely profitable venture.

Moreover, the Star Lords' time scale is different from that of humans. In their view, it's like stuffing in some not-so-cute cash and seeing an equivalent amount of magic power emerge in the blink of an eye. No matter how you look at it, it's incredibly exciting.

As for how long college students will have to repay their loans, that becomes irrelevant in the face of the vast expanse of time.

And this is still considered a relatively good situation.

If some people fail to successfully establish their foundation, they may face a situation where their income cannot keep up with the rate of interest growth, resulting in them becoming slaves to loans and spending their entire lives repaying them.

However, many of the star deities are blind to these things, or if they are, they are too lazy to care.

Faced with such terrifying profits, morality is not actually that important.

Even morality can be defined, and a large number of morally upright people exist for this purpose, which is probably one of the reasons why the moral standards here are so bizarre.

Chen Yu's interest-free loan promotion will undoubtedly threaten the interests of many people, and once discovered, he will definitely become the target of everyone's attacks.

After pondering the contents for a while, Chen Yu felt there was nothing particularly noteworthy.

So what if we make a move? What can you do about it?

Should I avoid your edge?
Moreover, no matter how much we restrict it, Tianyuan is already like this. At worst, we will strengthen our internal circulation. Do you think we are afraid of you?

After figuring it out, Chen Yu felt his Dao heart begin to tremble, and his fearlessness began to increase, making him feel even more fearless.

A cultivator's Dao heart will protect them, and a cultivator's actions will also strengthen their Dao heart.

Chen Yu's fearless behavior allowed his Dao heart to grow further, and also made him more indifferent.

Noticing Chen Yu's change, Zhuge Xingjun nodded in satisfaction, his appreciation growing even stronger. Pointing to the documents in front of him, he said to Chen Yu, "It's good that you're not afraid. However, not being afraid doesn't mean being reckless. If you can achieve your goal in a more intelligent way, that would be even better. Violence is the last resort for resolving all disputes, but until then, it's best to be cautious."

"Please enlighten me, Lord Zhuge."

With a gentle smile, Zhuge Xingjun said, "Every year, Wenchang Xingjun bestows blessings upon students who have previously worshipped him and have been admitted to university, sharpening their minds and strengthening their resolve. It is also an opportunity to enhance faith in Wenchang Xingjun. If you can complete a dream before tomorrow, Wenchang Xingjun can give it as a gift to each student. This dream can promote your ideas, and with Wenchang Xingjun's endorsement, the students will be more likely to accept them."

"One day?"

"Yes. I'm sorry, time is a bit tight. If you need, I can help you apply for an extension."

"That's alright, I'll think about it."

"Okay. I'm free today, so I can help you out. Please don't refuse."

Chen Yu immediately cupped his hands in thanks and said sincerely, "Thank you."

"You're too kind." After a pause, Zhuge Xingjun said shyly, "To be honest, I think interest-free loans are quite good. Many students are actually very talented, but it's a pity that they can't cultivate because they don't have money. However, I am the incarnation of Wenchang Xingjun, representing Wenchang Xingjun's will, so there are many things I can't do myself and can only rely on you."

Looking at the gentle and refined Zhuge Xingjun, Chen Yu realized that this incarnation was really quite good.

A friend who can help you think about problems, look up information, and even dream for you—that's the perfect friend.

As Chen Yu ate the roasted mutton, he pondered Zhuge Xingjun's suggestion, and his thoughts gradually began to unfold.

Interest-free loans are a must. This project can be used to invest money, train talent, and it's a long-term business.

However, the information provided by Zhuge Xingjun shows that student loans are a sure-fire way to make money, and any attempt to forcefully enter the market will inevitably provoke a lot of backlash.

And a lot of negative emotions!
There are many people who do lending, and they don't need to have much capital to back them up. As long as they show that they have money, they can make a lot of people afraid.

Moreover, many of the Star Lords are also involved in student loans, and my interference will definitely cause their resentment, which will lead to another wave of negative emotions.

This is a win-win situation either way!

Now, all he has to consider is how to create dreams and promote his ideas.

Moreover, this dream doesn't need to extract negative emotions from students; its target is the star deities who issue loans.

Therefore, this dream needs to be lighthearted, fun, and have social elements.

At the same time, it aims to promote interest-free loans and inform students about the dangers of bad loans.

Moreover, time is tight, so it needs to be simple and easy to understand, not too complicated.

It would be even better if some economics knowledge were also taught to give students some common sense.

After brainstorming in his mind, Chen Yu quickly selected a suitable type.

Monopoly!
(End of this chapter)