If you don't pay back the money, you can go to mine!
"In the case of the Hehuan Sect, let them open a Taobao store."
"There's no need to make a dedicated app."
"Taobao stores can not only put physical goods on the shelves, but also services can be regarded as goods!
"Anything else?"
Ye Chen looked at the elders again.
The elders were quite disappointed to hear that they would not do Ying~ying for the Acacia Sect.
All shook their heads at the moment.
"Since there is nothing, then I announce one-thing. 55
"I have already made the loan function of Xianwang Cloud Flash Payment, and it will be online soon!"
Hearing this, the elders were all surprised.
The Spirit Stones won by lottery are beyond imagination.
Let Xianwang Cloud QuickPass become the most profitable application in Tianyan Sacred Land.
This time the loan function will also be launched.
According to what the Lord said before.
The loan function is also a tool for earning money.
And like lottery tickets, they are all empty-gloved white wolves.
Now it's finally online, which is exciting.
However, a look of hesitation appeared on the face of the foreign affairs elder.
As a god-turning powerhouse, he knows everything.
Ye Chen naturally saw the expression of the foreign affairs elder, and asked, "What do you think of the foreign affairs elder?"
The foreign affairs elder pondered, or said, "Will the loan function be too risky? 35
"After all, repairing Immortal World is not safe.
"Even a disciple of Sacred Land, there is a possibility of death outside the house."
"For ordinary cultivators outside, Death is more likely. 39
"What if our Spirit Stones were loaned out and they died? 35
"Our Sacred Land is strong, but we don't have the ability to make the dead pay back.
'We have to make up for the lost Spirit Stones. "
"And even if the cultivator didn't die, what would he do if he didn't pay back the money and sneaked away?"
"The Immortal World is vast, and if it is hidden deep, it will be difficult for us in Sacred Land to find each other.
"Even if it can be found, the cost of arresting people is too high.
"So overall, I think it's a little thankless to do a loan.35
"Now that Xianwang Cloud QuickPass has earned enough Spirit Stones from lottery tickets, there is no need to take such risks to make loans.
The words of the foreign affairs elder caused many elders present to nod in agreement.
indeed.
While working on Immortal World, it was too risky to lend Spirit Stones to someone else.
If the Spirit Stones are not recovered, the loss will be huge.
Don't earn more interest than you lose the principal.
Instead, don't do it.
Anyway, the lottery function is enough to make money.
Listening to the words of the foreign affairs elder, Ye Chen smiled.
"First of all, let's talk about the problem of not returning Spirit Stones.
"I have a secret method, and I can easily find someone. Even if this person is hidden in the ends of the earth, I can get his address."
"When the time comes, you will directly send your disciples to arrest them.
"If you have Spirit Stones, then return Spirit Stones, plus a late fee.
"If there is no Spirit Stones, they will be sent to our Spirit Stones mine for mining, and the mining process will also calculate interest until we make up for our losses!"
The foreign affairs elder frowned and shook his head: "Holy Master, your secret technique of deduction can see through the inheritance of the Heavenly Secret Pavilion, and it is indeed powerful."
"But the problem is that it is impossible to let the Holy Lord deduce from you all the time."
"If there are too many people who don't pay their debts, Holy Master, you can't help but cultivate, right?
"It is obviously not worthwhile to delay the cultivation of a genius like you in order to order Spirit Stones. 99
Ye Chen smiled again.
How can Ye Chen deduce the secret method.
It all depends on the positioning of Tianyan PHS.
Ye Chen is not troublesome at all.
However, only Ye Chen himself knows the function of positioning, so it is inconvenient to explain.
So I said confidently: "My secret deduction method can deduce many people at one time!"
"And it's extremely simple, you can easily deduce their positions every day without wasting time.
"When some people don't repay, I will send their positions to the House of Internal Affairs!"
Hearing what Ye Chen said, all the elders were amazed in their hearts.
It is extremely difficult to deduce the secret method of others.
Various preparations are required.
A day or two at a time is short.
And the secret method of deduction of his own holy master can be seen through the inheritance of Tianji Pavilion.
It is even possible to deduce the positions of many people in a short period of time.
Really tough.
The Immortal World in Great Yanzhou has never heard of such a deduction technique.
His own holy master is definitely the reincarnation of the exiled immortal, and it is estimated that he has awakened the memory of his previous life.
That magical incarnation technique, as well as this deduction secret technique.
Must be a fairy.
Seeing that the elders stopped speaking, Ye Chen continued to speak.
"As for the death of the borrower, and thus the loan of Spirit Stones not being recovered, I have long considered. 35
"This risk is unavoidable."
"For loans, proper dead debt is in the acceptance range. 55
"As long as there are not too many dead debts, it will not affect profitability. 35
"And if you want to reduce dead debts, you need to do a good job of risk control.
"Our loan function, not every immortal cultivator will have a quota, and each immortal cultivator's loan amount is also different.
"The eligibility and amount of the loan are considered based on the information of the cultivator in all aspects.35
"For example, Cultivation Base, high rank cultivators are stronger, more resistant to risks, and have higher earning ability."
"So the higher the Cultivation Base, the higher the loan amount.
"The lower the Cultivation Base, the lower the natural limit.
"The loan amount is also affected by the status of the cultivator.35
"For example, the two are both in the Nascent Soul period, but one is the Sacred Land Elder and the other is the Elder of the second-rate forces.
"Sacred Land Elder has a stronger natural repayment capacity and is able to obtain a higher loan amount."
"There are also contacts that will affect the loan amount. 35
"For example, your contacts are all strong Nascent Soul, then even if you are only in the Qi refining period, it also proves that you are not ordinary. 35
"Maybe you can get a higher amount than the normal Gold Core period. After all, you can't afford it. You can find your elders in the Nascent Soul period to help you pay it back."
"There is also consumption, which is also one of the important factors to measure the loan amount."
"If you spend a lot of Spirit Stones on Xianwang Taobao, it means that you also have a pretty good earning power.
"The amount of the loan is naturally more."
The elders listened attentively.
Ye Chen paused for a while before continuing to speak.
"As for the loan eligibility, it has something to do with the behavior and habits of the cultivator.35
"For example, the disciples of Sect who stay at home every day, the risk of falling is naturally very low, and they can be assured of loan qualifications."
"And those cultivators who stay in the Magical Beasts Mountains every day, or run around, change positions every three or five months, and live in no fixed place, are not stable enough and are at greater risk of falling. It is difficult for them to qualify for loans.
"And the Rogue Cultivators are at greater risk of falling than the disciples of the great powers.35
'So under the same Cultivation Base, Rogue Cultivators may not be eligible for loans!
"If you can get it, the amount will be much lower than that of the disciples with Sect behind them."
"In short, I made a risk assessment system for the loan function, and I don't give or give less loans to those cultivators who are too risky."
"In this way, the dead debt can be reduced as much as possible."
This set of risk judgment system is Ye Chen's biggest achievement during this period.
The risk of dead accounts can be minimized.
...for flowers.. 0
Of course, it is impossible to be completely free from dead accounts.
Even on Earth in the previous life, there would still be many dead accounts in the bank.
After all, the preparation you make is perfect.
Accidents can also occur.
No one can avoid it.
The elders were all stunned.
This...
It's simply too complicated.
All aspects need to be considered.
Identity, Cultivation Base, Contacts, Consumption Habits, Behavior Habits!
So many factors come together to determine the loan qualification and amount of each immortal cultivator.
It's amazing.
But it does make sense.
Through the behavior and habits of the immortals, determine whether they are eligible for loans and reduce the losses caused by the death of the immortals to their own families.
The loan amount is determined through the other identity information of the cultivator.
The provincial amount is too high for some immortal cultivators who are unable to repay.
This led to the situation where the borrowed money could not be repaid.
As for how to determine the behavior and habits of the immortals before.
The Lord must have a way.
They don't need to think about it.
And it is.
In the background of the Immortal Artifact Tianyan Xianshu, the behavioral trajectories of all Tianyan PHS users over the past year are stored.
According to the location they have been to, they can easily confirm their behavior and location, so as to judge the risk of their fall.
"Holy Lord is wise!"
"The Holy Master's actions are really thoughtful and thoughtful, and it makes me feel ashamed."
"With this risk control system, the income of Xianwang Cloud QuickPass will skyrocket again. 99
At this moment, the elders were amazed.
The loan function that originally felt extremely risky.
Now the risk has been minimized by his own holy master.
Once launched, it is bound to be a money-making tool.
And Nangong Wan listened to the elders praising Ye Chen.
There was a smile in his eyes, curved into a crescent moon.
She likes to hear others praise Ye Chen.
Happier than being praised by others!
But when Ye Chen turned his eyes.
She immediately restrained her smile, showing a look of indifference.
"Do you have any questions, elders?
Ye Chen looked around at everyone and asked.
All the elders shook their heads.
The Holy Master has considered it so comprehensively, what else can they have a problem with.
"Then the House of Internal Affairs is ready for docking!
"It is unavoidable that the immortal cultivator does not repay the money, or does not have the money to repay."
"The money has not been repaid within three months of the overdue period."
"Double liquidated damages are calculated, but not enforced.
"And for those who haven't paid back the money for more than three months, I will send their address to the House of Internal Affairs. 359
"The House of Internal Affairs has set it up as a task and sent its disciples to execute it."
"After being found, or return the Spirit Stones! 35
"Otherwise, go to mine veins around our country to mine and pay off debts.
"It is obviously impossible not to pay back the debt.
This is repairing the Immortal World, but there is no such thing as human rights.
On Earth, as long as you hold back the bombing of the phone and don't pay back the money, there is actually no danger.
But while repairing Immortal World, prepare to become a miner without paying back the money.
Mining is not easy in any world.
When the internal affairs elder heard the words, he showed a smile: "Don't worry, Holy Master!"
"For the past two years, Tianyan Sacred Land has specialized in Tianyan PHS, which has resulted in a significant reduction in the tasks given to disciples.
"There are many tasks to go to Tianyan Pavilion part-time, but most of the disciples are unwilling to do it.
"Now that we have the task of arresting people, it just so happens that the disciples can go outside to sharpen them."
While asking for debts, it can also cultivate the fighting level of the disciples.
Win-win! Power.