Chapter 1257 Borrowing an umbrella on sunny days, collecting umbrellas on rainy days
Not long ago, the World Tree recalled all the wood elves. The members of the Turtle Dove Alliance were so obsessed with their elf companions that they completely disappeared, which caused a wave of heated discussions and concerns.
The same situation has spread to the ears of nobles and magicians. Most of them believe that a new wave of World Tree war is about to arise. Interested people are all gearing up, waiting for a good opportunity to grab a bargain. Whether it is breaking into World Tree's territory to plunder
Ichiban, or capturing the elves of the defeated army, all have coveted huge 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 only the World Trees can use, centered 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. Reinforcements can be increased to two within half an hour.
Legion. And there will not be any random recruits in it, they will all be strong men from the elves who use holy robes and holy bows as their standard equipment.
It's just that Maier couldn't bear to complain about his majesty. When his life is in danger, ten minutes? Half an hour? This much time is enough for the magician to escape to the ends of the earth. And it is guaranteed that no one can find him. Unless the magician needs manpower.
Start a war, otherwise Melson doesn't think he will use that secret order.
In short, the wood elves are now in a state of canceling their travels. In addition to training soldiers in the tribe, they are also learning 'necessary' new knowledge. Their life is both fulfilling and boring. It is fulfilling because they work all day long and have almost no time.
You can relax and take a breath; it is boring naturally because the knowledge and training you have learned are more boring than the daily life of elves.
However, with the endorsement of the magician, as long as he puts forward a request for manpower, the twenty wood elf tribes will be a treasure trove of talents, and even the five elf kingdoms will not have much resistance. By then, he will not be afraid of those who are eager to join the tribe
Elves who live outside the world should not come to curry favor with themselves.
Maiershan was even thinking about what kind of benefits he could get by using such opportunities and power. In the past, when he was fighting among the dark elves in the tribe, he would not have dared to imagine.
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. However, there were some things that Melanie had to ask first.
"Sir, are there anything you should pay attention to in this banking organization you want to establish?"
Lin thought for a while and said: "The implementation details and precautions are 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 again. 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.
It is absolutely forbidden to use people with money as strings.”
"Hey, I can't borrow money."
Uzov had a greater reaction to the prohibited items than Mai Ershan. Noting that he himself became the center of attention, the president of the Technology Guild explained: "In fact, don't look at the Technology Guild as if it has a lot of business.
Well, in fact, many people have the need to borrow money. However, they do not need it urgently, but they hope to purchase more equipment and recruit more manpower quickly to expand their business projects. Although there are many in the Holy City
People are lending money, but they have many restrictions, strict requirements, and high interest rates. If borrowing money from banks is not so troublesome, I believe there will be many people in need. This will also be more conducive to the promotion of banks."
Although the request seemed quite reasonable and was conducive to economic development and banking business promotion, Lin shook his head and refused. He explained: "From a personal point of view, being able to borrow money from the bank seems to be a good thing. Even if the interest rate is higher, they still can't."
I believe that the job I received from the guild can easily repay this debt. But from the perspective of the whole, that is, the goddess of gold coins, this will allow her to embark on a different development path and become a person who is better than you can imagine.
The evil god is millions of times more evil. It’s hard for me to explain it clearly with your current knowledge. I’m not against lending, after all, this kind of behavior has been around since before money existed. But this
This kind of thing cannot be operated in the name of Ke Yin, the consequences will be unimaginable."
Although someone said something very serious, Uzov was not the kind of person to blindly follow what he believed. So after struggling for a while, he still asked: "Sir, can you try to explain it. See if I can understand it.
The disadvantages.”
"Well, okay. I'm just going to pick a shortcoming that has nothing to do with the overall situation and talk about it. You should understand. 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 has a different stance, so that’s okay.”
The two audience members nodded. Lin then continued: "The situation is exactly what you just said, Uzov. In order to make more money, craftsmen need early investment. That is, hiring more helpers and buying cars.
Or a truck, so that you can carry more goods 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
You won’t earn much by choosing a suitable job based on what you have now, but if you work slowly and save slowly, you can one day expand to the desired size. It’s better to borrow a sum of money, build the scale at once, and then
You can make a lot of money by yourself. That’s what you think, right?”
Uzov nodded.
"Then the bank evaluates the situation of the craftsman. His skills are very good and he has a wide range of contacts. 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
, 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?" the dark elf asked.
"Collect, 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 has 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 the duel between powerful magicians, 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, this kind of thing can really 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 died, leaving only the craftsmen and their orphans and widowed mothers. Sometimes, they couldn’t survive 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
But those who died in accidents needed compensation from him as the boss. The work that could not be completed still had to find a way to complete, otherwise it would have to pay liquidated damages. The tools and equipment that had been thrown away had to be repurchased, and the manpower had to be recruited again, so he
Go to the bank to borrow money. So the question is, Melson, 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 someone to explain, Melson first spoke about his thoughts. "Does the bank have money of its own? 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
It is necessary to take responsibility for it. Because for His Majesty Ke Yin, the most important thing 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
If it disappears inexplicably, then this layer of trust will no longer exist. If trust no longer exists, 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 the way gamblers in casinos behave after losing money can explain a lot. So why should I lend money to a person who is desperate and trying to turn around in one go? Not to mention that he has not repaid his previous debts.
Pay back 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 other people's failed risks. No matter what happens to the craftsman who borrowed the money, the bank owes
His debts must be repaid, this is my attitude. I don’t even rule out confiscating his property that can pay off his debts to pay off his existing debts before he leaves himself with nothing.”
Uzov's face was quite ugly, but he could not refute what Maier said.
Looking at the arrogant look of the dark elf and Uzov's attitude like a bereaved dog, Lin Yi sighed and said: "This is what I want to say, 'Borrow an umbrella when it's sunny and take it away when it rains'. Banks are not charity,
If it starts to pursue profits, it will become the power monster that you Turtledove Alliance hates the most and is called oppression. At that time, will you stand on the side of the bank and force those who have not paid? Or will you stand on the side of those people?
In this position, the bank is allowed to squander money that does not actually belong to the bank, and ultimately its credit goes bankrupt?"
"Sir, I..." Uzov muttered, but didn't know how to answer.