MTL - Magic Tower Starry Sky-Chapter 1478 Midi Financial Development
In the eyes of the world, what are the benefits of a set bank? sickle
Answer: You can borrow money.
The loan relationship has existed since the creation of sociality of human beings. Because of its original intention, it is a form of mutual assistance and cooperation. Although borrowing money is not a rigid demand, if you have it, it will always be useful.
In the eyes of people with capital strength, what are the advantages of a set bank besides borrowing money?
Answer: Printing numbers on paper can be used as money!
No one will understand an economic theory that is too advanced, or they will pretend not to understand it. Who doesn't want to be able to print and spend money desperately. Compared with opening gold, silver, and copper mines, the cost of printing numbers on paper is almost negligible.
So for a while, this kind of set-up bank, which was launched after learning half of the system, sprung up all over the land like mushrooms. And it has nothing to do with the first founder, because that person put all the bank regulations he created on the forum for people to watch at will.
Of course, there are many capable people who get carried away printing money and directly print banknotes at the price of waste paper. Everyone doesn't look at the zero on the banknotes at all, but like bartering, the banknotes are exchanged with people on the basis of weight. sickle
However, this situation did not last long, and this kind of bank will of course be cast aside. Even the founders have to face the anger of depositors because they can't get their deposits back. For Midi where the rule of law is not yet sound, such people usually do not have a good end.
Since these banknotes have no official status and have not been officially recognized by the Goddess of Gold Coins, they are even more capable of causing trouble, printing the zero on the banknote denomination in the sky in a short period of time. So they all face the same problem, that is the problem of trust.
It's just that a set of banks that can restrain their urge to print money can take advantage of being backed by the Goddess of Gold Coins, making most people who get carried away seeing the high interest income ignore possible risks.
In other words, this is a new thing in the land of confusion, and no one realizes that there is a risk in it. Just looking at the name of the goddess of gold coins, I foolishly believed it.
Look at those banks that print money and print skyrocketing, they can also attract funds in the early stage, which is a proof.
Although it failed to completely replace the official bank of the Goddess of Gold Coins, all the funds of all depositors within the area of influence were moved from the Goddess's bank to the private bank. But the funds gathered are also enough for these emerging bankers to do a lot of things.
Lending money to the poor and helping the self-motivated to start a business is bullshit! The first move of the emerging bankers was to lend money to the local aristocratic lords. sickle
Midi's borrowing has not yet developed to the height of credit loans, everything is mortgage loans. The collateral does not have to be in kind, it can also be some rights.
And the power in the hands of the lord is the key that can directly affect a region, so the emerging bankers of the non-goddess system start from this aspect, in fact, they want to reproduce the gameplay of capital controlling power.
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The people who can do these things are not necessarily all from the same township of a certain time traveler. It can be said that when the amount of money reaches a certain level, as long as there is no legal or artificial restraint, those who hold the money will naturally develop in this direction.
If it weren't for directly using money to hire soldiers, it would be too rough to become the boss after overthrowing the lord, and it would not be easy to get the approval of the superior lord to replace the old lord. These bankers did not directly become bandit leaders, but used a more 'civilized' method to plunder...
It means that if you are a bandit, you are a bandit. If a bandit talks about civilization, is he not a bandit?
Not to mention those aristocratic lords who have no intention of managing the territory and only care about their own enjoyment when they have money. In fact, there are quite a few lords who are quite far-sighted. After they have sufficient funds, they start various infrastructure construction and enrichment measures such as building bridges and paving roads, thickening city walls, and raising cattle and horses.
Whether it is a lord who is already struggling or a wealthy lord, who would dislike having more money in his hands and being able to do more things. Even if the money has to be repaid after all, it's not the deadline for repayment yet. sickle
Lost in the past, of course, there are lending behavior. But the lord's loan is usually to find his superior lord, or to look for those seemingly wealthy colleagues with a shy face. No matter who you are looking for, there is nothing honorable about reaching out to someone for a loan.
Who has ever met a money owner who came to the door by himself and used all kinds of tricks to trick people into borrowing money?
Even a lord who had no purpose and no intentions would be taken aback by the prospects depicted by various development plans. Then they borrow money that they don't need to borrow, and do things that they don't need or don't need.
This must be in someone's hometown, and there is a proper term: face project or mosquito restaurant.
This kind of development is certainly not the end point planned by the man who designed the casing bank. After making certain achievements, he approached the Goddess of Gold Coins again, and proposed a Goddess Bank plan that spread all over the land; he also asked for the status of a voter for himself.
What the man said was simple. That is, the funds he can absorb, compared with the scope of his influence, I am afraid it is only one in ten thousand. Many people have learned his method, but they have not learned it well, and many troubles have occurred.
Since this is a good model that helps those in need, in order to prevent other people who are not well educated from going astray, it is the best choice for the Goddess of Gold Coins to control everything. The question of how to operate it is of course left to him, the person he is most familiar with. sickle
This sounds like nothing wrong. But if you put it in the society before someone crossed over, it would be the local credit cooperatives annexing the state-run banks in turn, such an incredible thing that a small shrimp swallows a big whale!
Of course, the Goddess did not rush to agree to this beautiful-sounding vision. She is a god, even if she doesn't cast detect evil magic, she can still feel the kindness or malice in people's arms.
Unless this person's acting skills are so good that he can even fool himself, but the person in front of him is obviously not a talent in this area. The hypocritical smiles, exaggerated words, and undisguised malice almost came out of his head.
This should be placed in a certain Wall Street that travels through many hometowns. This is called the appearance of a successful person. Shrewd, capable, sharp!
Unfortunately, this is not Earth. What's even more regrettable is that what that person faced was not a fat old rich man, but a god!
However, Ke Yin did not directly agree or refuse, and only delayed the matter on the grounds of reconsideration.
Doing big things is not something that can be accomplished overnight, so that person is not too pressing. sickle
And these news, of course, passed from the mouth of the dark elf Maier to the ears of a certain half-retired crossing crowd. In addition to the fact that Maier was already working in the banking system, it also seemed that Ke Yin wanted to use her word of mouth to spread the word.
Since someone abandoned the identity of voters, one person and one God is like being in a state of cold war, and no one is willing to bow to the other first. No one dared to speculate on the thoughts of the Goddess of Gold Coins; however, someone's thoughts were just unnecessary. Anyway, don't that short goddess seal her account and swallow the money in it, so she can do whatever she normally has to do.
Therefore, Maier, who stayed in the banking system, became a bridge for someone to communicate with the ancient world tree Farsinas, and at the same time became the messenger of the gold coin goddess Ke Yin.
On the other hand, this is what Maier wants to ask. In other words, this is what the relevant forces behind her also want to ask.
Borrow money, charge interest. From the creditor's point of view, there is nothing wrong with using your idle funds to make some profits for a period of time.
Especially for the savings in the treasury of several major elf kingdoms, the business atmosphere in the elf kingdom itself is not very enthusiastic, and the transaction behavior is more like the exchange of gifts between people. This also caused the kingdom's treasury to accumulate a lot of coins over the years.
One of the few uses of these coins, and the largest project, is the foreign trade with the Human Chamber of Commerce. In addition, even elves who have meritorious service as rewards will be despised. One can imagine how much money the kingdom has retained. sickle
In the past, due to the closed nature of the elf kingdom, the attitude of communicating with the outside world was as little as possible, so those coins were really useless except for melting them occasionally to make works of art.
Now seeing everyone borrowing money enthusiastically and earning interest easily, the kings of several elf kingdoms couldn't sit still.
With the unification of coins as the hub and fueled by the exchange of information on the forum, business transactions in the Lost World are becoming more and more frequent. Although the elf kingdom is closed, there are still many things that need to be imported from the outside world.
The reason why the trade volume in the past was not large was that we chose partners carefully and did not dare to trust outsiders. This also reduced our choices in disguise, and naturally there were not many places to spend money. But with the double impact of coins and information, the kingdom of elves is gradually opening up, and the demand for money is more than in the past. Naturally, some ideas will arise.
Lin gave only one response: wait and see.
As for whether the big shots listen to him or not, it's none of his business as a digger. Everything has to be explained to others clearly, and sometimes it will lead to more doubts and distrust.
Don’t you see that those defrauded people in their hometown who were persuaded by outsiders all kept saying that those liars were trustworthy, that it was impossible to deceive him, and that everything was true. The so-called fans of the authorities, this kind of thing is not limited to the era when fraud was rampant in my hometown. UU reading www.uukanshu.com sickle
In fact, things like bank lending are not entirely bad, the focus is on direction and control. Once out of control, you can taste the bitter fruit of the bubble burst. And wealth will be concentrated in the hands of a few people like being attracted by a black hole.
Is this avoidable?
Maybe it is possible, but a time traveler who has been poisoned by capital does not have enough wisdom to think of a good way to avoid it. He would just bury his head like an ostrich, trying to delay things until he died and couldn't see it.
In fact, the crux of the problem is that the bank in my hometown is a profit-making enterprise, not a charity enterprise. When the bank 'must' pursue profits in order to pay interest to bank depositors and pay salaries to bank employees (fat cats?), it is difficult to control the bank, a financial monster, to show its fangs.
In other words, banks are like elephants even if they don't show their fangs. If you step up and down inadvertently, you will trample to death some bugs or small animals that don't have a high sense of existence.
Do elephants kill on purpose? No, that's just where the elephant stepped, and those little things that don't have eyes don't know how to escape by themselves.
But no one has realized a problem, the key to lost finance is tied to a god! sickle
In anything, those who can see the long-term trend are geniuses, and those who can see the short-term trend are talents. In this day and age where geniuses deliberately do evil and talented people come forth in large numbers, a certain pit digger hides in a dark corner and smiles sinisterly, watching the situation change quietly.
