Chapter 1,477 The Bank Going Wrong Way

The situation of the Karlsruhe Empire is the focus of attention of everyone in Lost Land, especially the aristocracy. But no matter how much attention is paid to it, its influence only slowly spreads outward, let alone any substantial changes.

To put it another way, the revolution only ends at the stage of stacking firewood. Nobles and lords from all over the country were carrying firewood, breaking down bonfires, and carefully preventing any sparks from flying over. Everyone is not blind and knows what will happen to this thing after it is really ignited.

What has really changed the whole world drastically, but which everyone takes for granted and quickly gets used to, is the development of banks.

According to the original plan, the belief in the gold coin goddess Ke Yin spread smoothly to every corner of the land. Even the underground world of the evil god camp has been involved and has taken root smoothly.

But once the money is gathered, it will easily arouse the covetousness of interested people.

The reason why banks in the underground world are stable is more because the moment each depositor deposits money, the money is transferred to the goddess' kingdom. If, like someone's hometown, they relied on cash trucks for dispatch, banks in the underground world would not be trusted, and they would probably be robbed every day.

As for breaking into the kingdom of God to steal money...let alone being protected by the Lord of Guardians. If you want to break into Ke Yin's kingdom of God, you must be led by other gods. When ordinary people enter the Kingdom of God, they will only be suppressed.

However, the stolen coins were completely useless to the gods and were only needed by the church in the mortal world. This feeling is like the younger brother wants to eat a lollipop, and the boss takes the lead and rushes into other bosses' houses, and only grabs a lollipop to satisfy the younger brother's desire! Is this possible!

If the difficulty of breaking into the Goddess of Gold Coin is the same as in the past, and if you can grab some other things easily, then forget it. But as banks spread throughout the land, the power of the Gold Goddess also increased step by step.

Some gods believe that the gold coin goddess should be enough to enter the powerful divine power sequence. But I am not sure which level it is in the upper, middle and lower reaches.

In short, no god continues to treat Koyin as a medium or weak god. Because even without the protection of the Guardian Lord, she herself beat up several guys who broke into her divine kingdom and planned to kidnap her as the divine concubine. There are evil gods and demons.

The coveting of gods is easy to solve. In fact, most of the gods do not covet the money, they are just jealous of the power of the gold coin goddess who has gradually increased in just a dozen years.

Some gods want to replace her, and some gods want to take her as a pet and extract the needy parts of themselves from her. But these actions are easily stopped by more powerful violence, whether from the guardian lord or Koin himself.

The coveting of money in the secular world is even easier to solve. The series of settings of the Midi Bank, as well as the elite force of the wood elves controlled by the World Trees, which can be deployed anywhere in the Midi at any time, are all designed to resist the measures of mortals.

From the beginning, Lin did not design the structure of the entire bank operation based on the premise that local people would cooperate obediently.

How to react as quickly as possible when encountering a robbery, how to deal with those who block the bank and collect tolls, and how to prevent the lord from imposing exorbitant taxes when he sees his subjects using the bank. Banks and wood elves have a set of corresponding rules.

And once the wood elves are out, they will be killed and never injured! If you can silence me, you will show no mercy! It can be said that things have been completely done.

If the churches of other gods dare to act like this, the nobles will probably share the same hatred and suppress and clean up the entire land. But when the Gold Coin Goddess did this, no one said a word, and some people actually applauded.

Even though some people were dissatisfied with the goddess's behavior at first, after receiving Ke Yin's explanation, everyone unanimously stood behind the goddess to support her.

Ke Yin said: 'It is your money that is stored in my kingdom of God. Your money has been robbed, and I will watch it happen and then do nothing. Should the loss be picked out by a few unlucky people and their accounts be zeroed out directly, or should everyone share the loss equally and deduct a fee for being robbed? Or should I beat to death those who dare to rob? ’

Best to kill!

No one considers that since the bank takes care of things for others, the bank should be responsible for any losses caused by abnormal transactions. This is also because most people are not qualified to hold a goddess accountable, nor have the ability...

Since you can beat those guys who want to steal money to death, why not? All that was robbed was their money! If the goddess is not responsible for the loss, then the loss is theirs.

So after forcefully killing a few chickens and showing them to the monkeys, the noble lords of Lost Land finally calmed down a bit and did not dare to continue to pursue the idea of ​​​​banking. No one wants to see a legion of wood elves descend from the sky like divine soldiers, catching them off guard and showing no mercy.

However, just because there is no way to grab it openly does not mean that there are no other means.

So far, banks only have deposit and withdrawal services, and their functions are similar to the ancient Feiqian and Jiaozi in their hometown, making it easier for ordinary people to travel long distances with light luggage. Instead of really having a "100,000 yuan in cash, riding a crane to Yangzhou." ’

What level of quantity is one hundred thousand strings? Regardless of the weight of the holder, one hundred thousand copper coins can be strung together to form a thick golden garment. It can be used as armor, and it can be regarded as a heavy tank on the battlefield.

But after countless small amounts of money are gathered together to form a considerable sum of money, they can do things that were originally impossible. Such a function is difficult to ignore. Such as crowdfunding, stock listing and other activities, the original intention is this.

It’s just that crowdfunding and the stock market need a more mature financial environment and a stable society to operate. Most people still focus on the business that the Gold Coin Goddess' bank does not intend to operate, which is 'lending'.

In fact, many people are puzzled by the fact that the gold coin goddess has no intention of lending money to earn interest after taking over the savings. They were jealous of the huge amount of money being put there. Since they couldn't steal it openly, they could always borrow it. It just so happens that the goddess doesn’t play loans yet.

For this reason, many lobbyists found the goddess to lobby, and even found a certain original voter, trying to persuade this powerful magician.

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It is a pity that in the bank, in front of the holy symbol of the Goddess of Gold Coins, these lobbyists can only get mechanical canned replies. There is no good or bad, and of course it is impossible to agree or reject anything, just meaningless nonsense being said again and again.

Despite this, the goddess was still a little tempted by these people's proposals. The reason is simple. In their plan, lending is a part of helping people. Of course, those who are helped will be grateful to the goddess, and the collection of the power of faith has not exploded.

It's just that most people's planning is immature, and the lack of safety issues alone makes the money they borrow very insecure. In addition, when a certain person was a chosen one of the goddess, he repeatedly warned about the dangers of lending money to earn interest, so Ke Yin never relented in this regard.

The magician in the holy city of Estali was even simpler. He said that he had lost his identity as a chosen one and could no longer influence the goddess. No matter how much you talk to him, it's just a waste of words. Then see off the guests.

No one really dares not to leave. Because if you don’t want to go out straight, you will go out sideways.

Midi does not have much sympathy for those who offend powerful people and suffer misfortunes, and strong people will not be polite. It is true that everyone agrees to protect the weak, but this does not give the weak a reason to bully the strong. Respect is fundamental and comes from both directions.

but!

Eventually someone will come up with a plan to impress the goddess. It was as if someone had taken a bank-related proposal in the past and allowed the goddess of gold coins, who was a weak divine power at the time, to resolutely promote this career with an unknown future in the Lost Land. Now there are proposals of the same level appearing again.

The specific operation method is very complicated. But to put it simply, it is to upgrade the goddess of gold coins to the status of a gold reserve bank, and then use the shell of a second bank to also collect reserves and issue banknotes!

The second-level bank opened an account in the bank of the Gold Coin Goddess in the name of a private bank, and deposited all the savings funds collected into the goddess's kingdom.

The savings collected here will provide interest, including current deposits and fixed deposits. The custody fees deducted when funds enter the Kingdom of the Goddess of Gold Coins will be fully borne by the second-tier bank. Use this method to attract funds.

The money collected is the reserve of the second-tier bank. While retaining reserves and meeting withdrawal needs, the second-tier banks will print banknotes and lend money.

These actions are to prepare for a credit-based economic structure while establishing a gold-standard economic structure.

On the surface, banknotes called "vouchers" allow people to move around without carrying heavy bags; and the bank's lending business also helps those in urgent need or need.

But in fact, what is going on behind this whole thing can still be seen by someone who understands. As a time traveler who has been tricked by capital to the point of falling head over heels, if he is not familiar with this system, then he has paid so much tuition in vain.

The familiarity of this whole set of operations also gave a certain magician a clear realization: I'm afraid he is a fellow countryman again.

No matter how talented you are, people have limitations. Sometimes it is limited by vision and experience, sometimes it is limited by environment and reality. Under such a premise, any proposal that challenges the unknown future will always have some immature and risky elements in it.

But when Lin learned that someone was trying to hijack a second-tier bank and obtained specific services and business scope, he quickly made the decision to meet his counterpart, another cross-border group. Because this whole method is quite mature and quite familiar.

But it's not without flaws.

One of them is that the second-tier bank was not established by a noble lord or a king, but by a powerful businessman. Although the chambers of commerce under its jurisdiction are not at the level of multinational groups, they are still at the forefront locally.

I don’t know where the source of this mysterious self-confidence comes from. Do you think that capital can simply override power?

Secondly, this can be regarded as the old almanac. That is because the design is too complicated and it is clear that you don’t want people to understand it. If any business is to be successfully completed, it requires very professional financial talents.

What would happen if you were a dabbler and wanted to learn this whole thing and get out?

They are both playing basketball. What will happen if elementary school students play basketball with NBA stars on the same court? If people just stand still and just hold the ball above their heads, elementary school students can't even think about playing with them.

So this entire design is obviously meant to trick people.