Chapter 1,281 The Development of Banks

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The holy city of Estali.

The first bank began to operate normally, and had a catchy and concise name among everyone—The First Bank. As the construction of the other five banks was about to be completed, relevant personnel came to the First Bank for further training and learned how to handle the bank's general affairs.

Of course, these people are not elves, but forces who have been instructed by the goddess to build the bank, people in their hands or related people. The euphemistically known as the believers of the Goddess of Gold Coins, one by one converted to the religion. But in reality, only they themselves understand.

Everything at the bank seemed to be on track, but that didn't make it easy for anyone. Just like any undertaking, the development stage is the most laborious. The goddess and someone share a common desire to expand the bank's territory to the whole of the land. The current results can only be regarded as a beginning.

The situation in the Imperial City of Nineveh was completely different from the massive expansion of the Grand Duchy of Kawei. Under the emperor's instruction, only the Gold Coin Goddess Temple in the temple area developed the function of a bank, and no new bank was built in any location. The nobles' public statements also adopted a wait-and-see attitude.

The old priests in the temple naturally became the first bank clerks, but the leader was Knight Sir Efren Muhashebesi, an imperial nobleman. Ke Yin did not object to such an appointment, which can be said to be the beginning of a good cooperation between the divine power and the imperial power. On the one hand, it is also because the old priests are far less able to absorb new knowledge than young people.

But such power alone is certainly not enough to maintain the normal operation of banks. You must know that no matter where you are, in the early days of a bank's business, the crowds that come with the initial demand are as ferocious as a mob.

For this reason, the emperor sent out his bodyguards to maintain order, so that the gate of the temple was not demolished by a group of powerful people. Even if they concealed their respective family crests in a low-key manner, when cartloads of coins arrived, the emperor who got the news wanted to order a robbery...

This wave of grabs will save you three years of gains.

Although some people do not agree with First Bank's behavior of classifying users into three categories other than the Great Magician, Magician and the first two, and giving them different treatment. But at least these three types of people do not apply the rules of three banks. The same fair and reasonable rules apply to everyone, but they differ in the convenience of using banks.

The Imperial City of Nineveh certainly faced the same problem. Nobles of different ranks, nobles and commoners, and even nobles and the emperor's personal ministers, were constantly quarreling. Even though the Koyin Temple under the Imperial City had dozens of large holy emblems from the beginning to allow people to open accounts, save money, and withdraw money, it still couldn't absorb the huge initial crowd for a while.

And the drama is not just unfolding among these ethnic groups. Don't forget, that is the temple area of ​​the imperial city, where all kinds of gods gather. Don’t churches belonging to various gods have money to deal with?

Therefore, it is not difficult to imagine that the situation in the Temple of the Gold Coin Goddess in the Imperial City of Nineveh is a more bizarre place than the holy city of Estali. Not only the emperor's bodyguards sent troops to stand guard, but also the templar warriors from other temples sent people to jointly protect the order of the temple of the Goddess of Gold Coin.

And according to unknown 'high-level' rumors, the gods of other churches also showed some dissatisfaction due to the riots in the temple area of ​​Nineveh Imperial City. It’s not that they are jealous that the church of the Gold Coin Goddess has welcomed a large number of potential believers, but they are dissatisfied that the church they belong to has to deposit money and is charged a storage fee!

Although it is said that the things of the gods belong to the gods, and the things of the church on earth belong to the earth. But sometimes once the issue of face is raised, it is difficult to get around it. So I 'heard' that many gods came to ask for an explanation from Ke Yin.

How the gods negotiated in the end is unclear. Anyway, it’s the money that should be paid, and it won’t be less. It's as if those 'high-level officials' have never taken any action.

The opening of the Temple Bank in the Imperial City of Nineveh will have no impact on the overall situation. It is not clear for the time being. No one has a clue as to what the emperor plans to do. The construction of banks in the Duchy of Kawe has just begun. Although it has caused heated discussion on the forum, it has not yet had any real influence.

During this period, what really caused crazy behavior was not the queues at First Bank, but the wave of external development by the Technology Guild!

Loot all the basic labor force in the Holy City of Estali, and cooperate with the efficiency of the guild to saturate the supply of non-magical jobs and goods in the Holy City. It can be said that guild members make a lot of money quickly, but this may be the result of condensing the workload of the past three to five years into one year.

In the past, you might have to wait for a long time to get a suitable job; now, thanks to technical guilds, you can find a suitable job almost every day. However, except for those who produce consumables, most people's work results are ones that can last for a long time. The need to replace the old with the new within the Holy City will also come to an end.

So some time ago, the president of the Technical Guild, Uzov Gantia, complained to someone that there were already signs of competing for business within the guild. This is not a good sign for the development of the guild. Lin Yicai proposed to guide the guild members to develop outside the Holy City.

However, everyone wanted to develop overseas, but was discouraged by bandits and bandits, as well as rumors of traitors that were not known to be true. This is the motivation for someone to promote the bank and for everyone to use the bank's functions.

However, just like this, it still cannot inspire the members of the Technology Guild to think about expanding their business. After all, the business within the Holy City is relatively close and the work is safer. There is no need to worry about being attacked by monsters or bandits in other places.

Even to increase incentives, jobs outside the Holy City will have the added benefit of journeys. But in fact, there will be additional costs for working outside the holy city. Even if the pay for working outside the Holy City would be better, after adding, adding, subtracting, there won’t be any difference.

The real reason for them to set their sights outside the Holy City is the currency exchange ratio.

In the Holy City, the process for entrusting work to the technical guild is for the entruster to hand over all or part of the remuneration to the guild. After the work is completed and accepted, the remuneration will be delivered to the technical team that takes over the entrusted work.

But outside the Holy City, due to the long distance, most of the clients will not send the reward to the technology guild in advance. Instead, after the team completes the work, the remuneration is collected directly from the client.

It is this process that in the past became an opportunity for robbers and thieves to take advantage of. But now, after the technical team on a business trip completed their work, in full view of everyone, except for the necessary travel expenses, all other coins were deposited into the divine kingdom of the Goddess of Gold Coins, and no one could grab them.

The point is, these money are still old coins! This means that when working on a business trip, in addition to the bonus for the journey, you can also earn the difference in currency exchange!

This greatly stimulated the enthusiasm of the members of the Technical Guild, and they all actively looked for jobs outside the Holy City, no matter how far away they were. After all, it is an indisputable fact that the demand for jobs within the Holy City has decreased. There is also a basis for making more money by working outside the home.

According to calculations by thoughtful people, the profit of working outside the Holy City is between 1.5 and 2 times that of working inside. And it is foreseeable that this bonus is not forever. Therefore, those who want to take advantage of the good opportunity to make a fortune must put in more effort.

The reason why we say that dividends are not permanent is because people are profit-seeking by nature, and they also like to show off. The advantages of using the bank were quickly publicized by the team of craftsmen dispatched by the technical guild.

For the natives of this era, it may be very difficult for them to learn how to manage money carefully. But the benefits of bank currency exchange are easy to see. Then the interest rate difference between the old and new currency is transferred from the client to the employee the moment the old currency is handed over as a transaction reward.

This is difficult to accept for some stingy nobles who don't have any money. In particular, they have noble status, but those who come to work for him are just mud-legged people without any noble blood, and it is inevitable that they will have some thoughts about this situation. And there are surprisingly many such people among the small nobles.

Some people think that they must pay at a reduced price. Even before he understood how the bank's Holy Emblem of Koyin worked, he thought that by detaining the person, he could loot all the money stored in the other party's Holy Emblem.

However, for the former, there is no publicly agreed formula for price reduction. After all, the exchange between old and new coins mainly depends on the weight of precious metals. Of course, the team of craftsmen who are good at new mathematics and calculations cannot accept the general price reduction of 20% or 30% in the past.

When there is a dispute about the former situation and no consensus can be reached, the handling method is actually the same as the way to deal with the latter situation, that is, let the thugs hired by the technical guild come forward to solve the problem. The Mercenary Guild is happy to take on this kind of business.

The technical guild will also spread the news about a certain noble's breach of contract, reduce its manpower, and stop dealing with the noble. Starting from the three aspects of force, economy and public opinion, they will fight against those who they could only look up to in the past and have noble blood.

In the face of robbers, thieves or traitors without definite evidence, the guild does not have good means to deal with these people hiding in the dark. We can only passively strengthen the protection force, or find people who are familiar with the underground society to solve the problem afterwards. However, no one can guarantee whether the person who committed the murder is the same person who was brought in to solve the problem.

But it is much easier to deal with people who have a fixed base, clear goals, and value their reputation.

The greatest reliance of these noble lords is the use of power. Protect your reputation by getting rid of the insider before the matter is publicized to everyone.

However, this method is difficult to implement today when forums are so popular. People have not yet realized its evil, but the power of the forum has already emerged.

As long as any nobleman fails to act in accordance with the agreement, he and the people around him will be baptized by overwhelming news. The overt and covert sarcasm from fellow aristocrats, and the contemptuous looks from the servants.

Even if the latter can rely on its own power to suppress it, there is no good solution to the former. And this kind of mental bullying is more painful for the nobles than any punishment.

Therefore, when there are several examples of reputation being tarnished, others will think twice before making irrational actions.

Then, in order to prevent the benefits of currency exchange from being monopolized by the technical guild's craftsman team, it became a question for the nobles whether to accept the establishment of a bank in their territory.