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

Chapter 435 The Fragility of Finance (36)

"Great job, you four!"

"At first I thought you guys were just here to be funny, but you turned out to be quite amazing in the end!"

"This is the first time I've seen someone beat those cheaters. Can Qi Refining be this awesome?"

"Two thousand yuan in fifteen minutes, that's efficient!"

"Could you take us with you?"

Faced with everyone's pleas, Cao Zheng wiped the sweat from his brow and looked at his roommate.

They understood each other perfectly; a single glance was enough for them to know what the other meant.

Seeing them all nod in unison, Cao Zheng clasped his hands in a fist salute and then shouted loudly, "Brothers, according to the records of the 'Primordial Spirit Mystic Method,' the highest level is the fusion of the six spirits. We can still recruit two more people to join us, and then we can compete together to get loans. It doesn't matter if others can't join; Senior Zhong said that this technique can be shared, and after everyone learns it, we can compete together and get loans together."

"Great!"

"Brother, based on this decision you made, I'll get your meals for you from now on!"

I'll make your bed!

"From now on, you will be my godfather."

Amid the cheers of the students, Yuan Jie looked at Cao Zheng with great interest and said with a smile, "So this is the Tianyuan people? They're quite interesting."

“Indeed,” Wild Vegetable remarked. “At this point, ordinary people would have already started charging for classes or taking a 10% cut of the fees to train others.”

"Yes. I've heard that the people over there in Tianyuan are incredibly pedantic, and now it seems that's true."

Upon hearing this, the wild vegetables moved a few steps to the side.

He admitted that he couldn't be as selfless as Cao Zheng, but he still admired the other man's character and even wanted to befriend him.

In comparison, although Yuanjie is smart and has good judgment, his moral character is ultimately a fatal flaw.

Just as he was about to leave, he suddenly heard Yuan Jie mutter to himself again, "How can one become such a pedantic person?"

This sentence made Ye Cai re-examine Yuan Jie and sense something different about him.

Sitting back down, Ye Cai said to Yuan Jie, "Let me introduce myself. I'm Ye Wencai, nicknamed Ye Cai. My idol is Yan Dazui from Fuze City, and my goal is to become a host like him."

Yuan Jie stared at the wild vegetables, pinched his chin, and said, "Then you'll have to practice more."

"...It's a miracle you're still alive."

"You need to work on your aggression. Your insults sound more like flirting to me."

After hesitating for a moment, the wild vegetable finally restrained itself and did not punch Fatty Yuanjie.

Pointing to the crowd below who were eagerly signing up, hoping to team up with others and snag a loan, Wild Vegetable asked, "Aren't you going?"

"I have money. Aren't you going?"

"I have no friends."

Yuan Jie turned his head, looked at the thin wild vegetables, and suddenly stretched out his hand, saying, "What a coincidence, me too. Mind if I have one?"

After a moment's hesitation, Wild Vegetables grasped the other person's hand.

A day later, Cao Zheng's team-based tactics began to sweep through Changsheng University. The prestige of students who had attended the blessing ceremony increased further, and everyone wanted to get to know the relevant classmates and then join their joyful loan-taking army.

The crisp, cheerful music in my dream became even more pleasant to hear, and every time I heard it, it reminded me of that interest-free loan of two thousand yuan, which would immediately cheer me up even when I was feeling down.

Music is the purest language, and with the addition of the "playfulness" and "loan" attributes of "The Big Capitalist," these joyful tunes gradually condensed into a cultural symbol and began to circulate continuously.

Along with these melodies, Cao Zheng's righteous deeds also became widely known.

Just as Yuanjie and Yecai analyzed, once normal people discover this pattern, they will directly monopolize the relevant information and even apply for a patent to prevent others from continuing to do so.

Then they started raising prices on the spot, relying on this method to make money and try to acquire the resources to become a Foundation Establisher.

However, the people of Tianyuan are always a bit out of place compared to other places.

As people of Tianyuan who grew up under regional restrictions, unity, mutual assistance, and information sharing have become instincts. Cultivators without this awareness simply cannot survive in Tianyuan.

Therefore, Cao Zheng didn't feel anything was wrong with this sharing behavior, even if it might represent millions in profit.

Under Cao Zheng's guidance, the Five Gods Combination technique began to spread for free and gradually spread beyond the Changsheng University.

Unbeknownst to many, "The Great Capitalist" and the Five Gods Combined Technique have become essential techniques for nearby universities, with even second- and third-year students starting to learn them and take out loans here.

After tens of thousands of people participated, some people felt something was wrong.

Many microfinance companies originally wanted to see Chenguang Company fail.

A small, unknown company in a remote town, with an absurdly long repayment period—it all seemed like a money-losing proposition.

This company entered this industry without knowing anything about it; they must be asking for trouble.

The entry threshold for micro-loans is not high; you can start with just a few hundred thousand yuan.

Many microfinance companies dare to start with just a few million yuan. They increase the utilization rate of funds by constantly increasing the loan turnover rate, and collect funds while lending, thus making money quickly.

Larger institutions may have hundreds of millions of yuan in funds, but Chenguang is clearly not a well-known financial institution, and two or three hundred million yuan is already the maximum they could have.

Moreover, after checking its financial situation, other institutions found that Tianyuan's fiscal revenue last year was only a little over a billion yuan, making it even less likely that it could come up with that much money to apply for loans.

They thought their funds would run out in a few days, but after observing for seven days, they were shocked to find that Chenguang seemed to be completely unaffected.

The other party is still issuing loans on time, and no matter how many students borrow, they show no signs of getting tired. It's unclear when this terrifying situation will end.

Although it has only been seven days, many students are already relying on loans to make ends meet and are very familiar with various loan information.

The emergence of interest-free loans has, on the one hand, spurred other lending institutions to take away their customers, and on the other hand, made others realize that loans can indeed be interest-free.

Or should we postpone the loan?
Wait a little longer?
Perhaps in a few days, new loan programs will appear, and we will be able to have our own interest-free loans?
Or find a friend from Tianyuan to play in the competition together, and then take advantage of Tianyuan's benefits?
Once this idea takes hold, it's like a crack in a dam, constantly tearing and spreading.

As more and more people learned about this news, the trend of interest-free loans became unstoppable.

The back-to-school season is typically a prime time for loan disbursements, with many top sales performers generating hundreds of millions in sales this month, followed by returns several times over.

This year, however, many students chose to wait and see, which caused funds to accumulate in microfinance institutions.

Liquid funds are just worthless paper. Subsequently, various problems began to emerge, making many lending institutions realize how fragile their previous profit model was.

(End of this chapter)