Chapter 1,257 Borrow an Umbrella on a Sunny Day, Take It Away on a Rainy Day

Not long ago, World Tree recalled all the wood elves. The members of the Ikaruga Alliance were so obsessed with their elf companions that they completely disappeared, but this caused a wave of heated discussion and concern.

The same situation reached the ears of nobles and magicians. Most of them believe that a new wave of World Tree War will arise. Interested people are all gearing up, waiting for a good opportunity to pick up bargains. Whether it is breaking into the territory of World Tree to plunder, or capturing the elves of the defeated army, there are huge and coveted benefits.

It's just different from what these people imagined. The wood elf tribe is indeed preparing for war, but it is not to attack each other, but to train troops. A new form of mobilization tactic that can only be used by the World Trees and revolves around the Flash Technique.

Mai Ershan even has a secret order. As long as the magician is in danger of life, or if he is in need, he can assemble a wave of at least three large elven coalition forces within ten minutes. Two legions can be reinforced within half an hour. And there won't be any random recruits, they will all be strong men from the elves who use holy robes and holy bows as their standard equipment.

It's just that Mai Ershan couldn't bear to complain about his majesty. Ten minutes when life is in danger? half an hour? This much time is enough for the magician to escape to the ends of the earth. And make sure no one can find him. Unless the magician needed manpower to start a war, Melson didn't think he would use the secret order.

In short, the wood elves are now in a state of canceling their travels. In addition to training soldiers within the tribe, they are also learning 'necessary' new knowledge. Life is both fulfilling and boring. Fulfillment is because there is almost no time to relax and take a breath all day long; boring nature is because the extra knowledge and training are more boring than the daily life of elves.

However, with the endorsement of the magician, as long as he made a request for manpower, the twenty wood elf tribes would be a treasure trove of talents for him, and even the five elf kingdoms would not have much resistance. Then I won't be afraid that the elves who are eager to live outside the tribe will not come to curry favor with me.

Maier was even thinking about what kind of benefits he could use this opportunity and power to gain for himself. In the past, when I was in the dark elf tribe's intrigues, I couldn't imagine it.

Therefore, she, who was once a dark elf priest, agreed to the request of the magician in front of her without hesitation and promised to shoulder the responsibility without any worries from the trouble-free magician. There are just some things that Maier has to ask first. "Sir, are there anything you should pay attention to in the banking organization you want to establish?"

Lin thought for a while and said: "The implementation details and precautions are included in Document No. 10. However, the specific plan depends on how the gold flow network constructed by Ke Yin and Yggdrasil operates before it can be determined. You first Let’s find out from there. But since you asked, let me emphasize one thing. In the future, banks will never engage in lending business, that is, lending money to others. Nor will they act as middlemen to help rich people with debts. People with money to pull strings. This is absolutely prohibited.”

"Hey, I can't borrow money."

Uzov had a greater reaction to the prohibited items than Melcha. Noting that he was the center of attention, the president of the Technology Guild explained: "Actually, even though the Technology Guild seems to be doing very well, in fact there are many people who need to borrow money. But they are not in a hurry. Rather, they hope to purchase more equipment and recruit more manpower quickly so that they can expand their business projects. Although many people in the Holy City are lending money, they have many restrictions, strict requirements, and high interest rates. If you borrow from a bank If money is not so troublesome, I believe there will be many people in need. This will also be more conducive to the promotion of the bank."

"The Point Guard Is Here"

Although the request seemed quite reasonable and conducive to economic development and banking business promotion, Lin shook his head and refused. He explained: "From a personal point of view, it seems to be a good thing to be able to borrow money from the bank. Even if the interest rate is higher, they believe that the job they received from the guild can easily repay the debt. But overall, From the perspective of the Goddess of Gold Coins, this will allow Him to embark on a different development path and become an evil god millions of times more evil than you can imagine. The truth behind this is that, with your current knowledge, I am very It’s hard to explain clearly. I’m not against lending, after all, this kind of behavior has been around since before money existed. But this kind of thing cannot be operated in the name of Coin, and the consequences are unimaginable.”

Although someone said something serious, Uzov was not the kind of person to blindly follow his words. So after struggling for a while, he asked: "Sir, can you try to explain it. See if I can understand the disadvantages of this."

"Well, okay. I'm going to pick out a shortcoming that has nothing to do with the overall situation. You should understand it. Let's presuppose the positions of the two of you. Uzov is a craftsman who needs to borrow money to develop, and Maiershan is. The person in charge of the bank. The position is different, so that’s okay.”

The two audience members nodded. Lin Cai continued: "The situation is what you just said, Uzov. In order to make more money, craftsmen need early investment. That is to say, hire more helpers, buy cars or trucks, and then be able to make more money." Carry more cargo and do more things in the same time. Of course, you also need to buy handy tools for yourself and the newly hired helpers, which all cost money. Instead of relying on what you have now, choose A suitable job doesn't make much money, but if you work slowly and save slowly, you can eventually expand to the desired size. It's better to borrow a sum of money and scale up at once, and then you can make a lot of money. That’s what you think, right?”

Uzov nodded.

"Then the bank evaluates the situation of the craftsman. He has good skills and a wide range of people. Everyone likes this person and is willing to hand over the work to him. In other words, when the craftsman expands his scale, he Can take on enough business and give full play to his expanded workload. This means that in the eyes of the bank, this person has the ability to repay in the future, and there is no need to worry that the money will not be returned after being loaned out. So Mai Ershu , if you think about it in general terms, can you borrow this money?"

"Since you can repay it, why not borrow it? The bank will charge interest, right?" asked the dark elf.

"Collect it, of course, why not? Borrowing money does not charge interest, and it is not a charity. Okay, then the bank will lend the money out. But in fact, there is no smooth sailing at work. No matter how good the ability is, God will provide it. Unforeseen circumstances, there is always the possibility of encountering something that is beyond the ability to predict. For example, this craftsman was particularly unlucky. During a construction trip, he encountered a powerful monster attack, or was involved in two In a duel between powerful magicians. So this unlucky craftsman lost most of his manpower and all the tools he used to make money. Fortunately, he saved his life and escaped. Is this possible?" Lin finally asked.

Uzov nodded and admitted: "Although it is unlucky, it is really possible that this kind of thing will happen. It has happened many times in the guild, and every time everyone has contributed to help tide over the difficulties. What is even more unlucky is that Everyone is dead, leaving only the orphans and widows in the craftsmen’s families. Sometimes, they can’t live without relying on help from others. It’s really pitiful.”

"Well, the craftsman in our example is not so unlucky. At least he came back alive. Although he has nothing now, as long as his people are still there and his craftsmanship is still there, there is a chance of making a comeback. So now the problem is, those who followed Those who died in an accident need to be compensated by him as the boss. The work that was not completed must still be completed, otherwise he will have to pay liquidated damages. The tools and equipment that were lost must be repurchased, and the manpower must be recruited again, so he Go to the bank to borrow money. So here’s the question, Miles, do you think you should lend this money?”

Although he was not asking himself, Uzov nodded and said, "Of course..." The dark elf shook his head, cut off the man's words, and said, "Of course I won't borrow it."

"Why!" Uzov asked loudly, mixed with surprise and confusion.

Without waiting for anyone to explain, Melson first spoke about his thoughts. "Does the bank have its own money? No. So the money lent by the bank is actually someone's money deposited in the bank. Since it is other people's money, the bank must be responsible for it. Because for His Majesty Ke Yin, the most important thing is It is not the belief of believers, but the trust of bank users. Because of their trust, they dare to store their money in the bank. If their money disappears for no reason, then this layer of trust does not exist. Trust does not exist , no one in the bank will want to use it.”

After telling a major premise, the dark elf looked at Uzov, who was full of doubts, and said: "If something bad happened once, will it happen again? No one can guarantee this. But let's see. I think that can explain a lot about the way gamblers in casinos look after they lose. So why should I lend money to a person who is desperate and trying to turn over in one go? Not to mention that he has not repaid his previous debts. Pay off what you owe first, and then consider borrowing the second loan. The bank must be responsible for the people who deposited the money here, but it should not be responsible for the bitter consequences of failed risks for others. No matter what happens to the craftsman who borrowed the money, the bank owes The debt must be repaid, this is my attitude. I don’t even rule out confiscating his property that can pay off the debt before he leaves himself with nothing, so as to pay off the existing debt.”

Uzov's face was quite ugly, but he could not refute Maier's argument.

Looking at the arrogant look of the dark elf and Uzov's attitude like a bereaved dog, Lin sighed and said, "This is what I want to say, 'Borrow an umbrella when it's sunny and take it away when it's rainy'. Banks are not charity. If it starts to pursue profits, it will become the power monster that you Turtledove Alliance hates the most, called oppression. At that time, will you stand on the side of the bank and force those who have not yet paid; or will you stand on the side of those people? The position is that the bank is allowed to squander money that does not actually belong to the bank, and eventually its credit goes bankrupt?"

"Sir, I..." Uzov squeezed his voice, but didn't know how to answer.