In the eyes of the world, what are the benefits of layered banks?
Answer: You can borrow money.
The loan-lending relationship has existed since human beings became social creatures. Because its original intention is a form of mutual assistance and cooperation. Although borrowing money is not a rigid need, if it is available, it will always be useful.
In the eyes of people with capital strength, what are the benefits of cladding banks other than lending money?
Answer: You can spend it as money by printing numbers on paper!
No one will understand too advanced economic theories, or even if they do, they will pretend not to understand. Who doesn’t want to be able to print money and spend money as hard as possible. Compared with opening gold, silver, and copper mines, printing numbers on paper
The cost is almost negligible.
So all of a sudden, this kind of bank, which started after half-learned the system, sprung up all over the country. And they have nothing to do with the first founder, this is also because that person put all the bank regulations he created
Go to the forum and let people watch as you please.
Of course, there are many capable people who forget about printing money and directly print the banknotes into scrap paper prices. People do not look at the zero on the face value of the banknotes at all, but just like bartering, the banknotes are exchanged for things based on the weight.
sickle
However, this situation did not last long. Of course, this kind of bank would be despised by others. Even the founders had to face the anger of depositors because they could not get their money back. For a mysterious place where the rule of law is not yet complete, this kind of bank will be despised.
People usually don't end well.
Since these tiered banks have no official status and have not been officially recognized by the Goddess of Gold Coins, they are more capable of causing mischief and printing zeros on banknotes into the sky in a short period of time. So they all face the same problem, that
It's a matter of trust.
It's just that the casing banks that can restrain their impulse to print money can take advantage of the gold coin goddess, allowing most people who forget about the high interest income to ignore the possible risks.
In other words, this is a new thing in the world, and no one is aware of the risks involved. Just looking at the name of the gold coin goddess, I stupidly believed it.
Take a look at those banks that print a lot of money. They can still attract funds in the early stages, which is a clear proof.
Although it was not able to completely replace the official bank of the Gold Coin Goddess, all depositors and funds within the area of influence were moved from the Goddess's bank to the private bank. However, the funds gathered were enough for these emerging bankers to do a lot of things.
All talk about lending money to the poor and helping motivated people start their own businesses is bullshit! The first move of emerging bankers is to lend money to local noble lords.
Lending in Midi has not yet developed to the level of credit loans, everything is a mortgage loan. The collateral does not have to be physical objects, it can also be certain rights.
The power in the hands of the lord is the key to directly affecting a region, so emerging bankers who are not in the goddess system start from this aspect. In fact, they also want to reproduce the gameplay of capital controlling power.
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People who can do these things are not necessarily all from the same country. It can be said that after the money reaches a certain level, as long as there is no legal or artificial restraint, the people who control the money will naturally develop in this direction.
If it weren't for directly using money to hire soldiers, it would be too crude to overthrow the lord and become the boss. It would not be easy to gain the approval of the superior lord and replace the old lord. This is why the bankers did not directly become bandit leaders, but
It is to use a more 'civilized' method to plunder...
It means that if you are a bandit, you will be a bandit. If a bandit is civilized, then he is not a bandit?
Not to mention those noble lords who have no interest in managing their territories and only care about their own enjoyment when they have money. In fact, there are still many lords who are quite far-sighted. After they have sufficient funds, they begin to build bridges and pave roads, thicken city walls, and raise cattle and horses.
and other various infrastructure construction and people-enriching measures.
Whether it is a lord who is already short of money or a wealthy lord, who would dislike having more money in his hands and doing more things. Even if the money has to be repaid eventually, it is not that the repayment deadline has not yet reached.
Well. sickle
In the past, of course, there was borrowing and lending. But for lords to borrow money, they usually went to their superior lords, or they shyly went to those colleagues who seemed to be rich. No matter who you were looking for, you could just reach out and borrow money from someone.
It's not a glorious thing.
Who has ever encountered a donor who came to someone’s door and used various tricks to trick people into borrowing money?
Even lords who had no use or plan in the first place would be stunned by the prospects depicted in various development plans. Then they would borrow money they didn't need to borrow and do things they didn't need or couldn't use.
Something too great.
In someone's hometown, there is a proper name for this: face project or mosquito house.
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 and proposed a plan for goddess banks all over the world; he also asked for a bank for himself
Voter’s identity.
What that person said was very simple. It was that the amount of funds he could absorb and the scope of his influence were probably only 10,000,000% compared to the entire world. Many people learned his method, but they failed to learn it well, and a lot of troubles occurred.
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Since this is a good model and helps people in need, in order to prevent other people who have not learned enough from going astray, it is the best choice for the goddess of gold coins to take control of everything. And the question of how to operate is, of course, the handover
Give him the person he is most familiar with.
This sounds like there is nothing wrong with it. But if you put it in the society before someone traveled through time, it would be that local credit unions in turn annexed state-owned banks. This is an incredible thing where a small shrimp swallows a big whale!
Of course, the goddess did not rashly agree to this beautiful-sounding vision. She is a deity, and even without detecting evil magic, she can still sense whether people have good intentions or malice.
Unless this person's acting skills are so good that he can even deceive himself, but the person in front of him is obviously not talented in this field. The hypocritical smile, exaggerated words and unconcealed malice almost seem to burst out of his head.
This is placed on Wall Street somewhere across the world. This is called the appearance of a successful person. Smart, capable, and sharp!
It's a pity that this is not the earth. What's even more pity is that the man is not facing a fat old rich man, but a god!
However, Ke Yin did not directly agree or refuse. He only delayed the matter on the grounds that he had to reconsider it.
Doing big things isn't something that can be accomplished overnight, so that person didn't press too hard.
Of course, this news was passed from the mouth of the dark elf Mai Ershi to the ears of a certain semi-retired time traveler. In addition to the fact that Mai Ershi was working in the banking system, there was also the reason that Ko Yin wanted to use her mouth to spread the message.
Meaning.
Ever since someone abandoned his identity as a voter, one person and one god have been in a state of cold war, with no one willing to bow to the other first. No one dares to speculate on the thoughts of the Gold Goddess; however, someone's thoughts are just unnecessary. Anyway
That short goddess, don't close your account and swallow the money in it, then just do whatever you normally do.
Therefore, Mershu, who stayed in the banking system, not only became a bridge between someone and the ancient World Tree Fasnas, but also became the messenger of Koin, the goddess of gold coins.
On the other hand, this is what Mai Ershan wants to ask. In other words, this is what the relevant forces behind her also want to ask.
Borrow money and charge interest. From the creditor's perspective, you can make use of your idle funds and earn some profits within a period of time. There is nothing wrong with this.
Especially the savings in the treasury of several major elf kingdoms. The business atmosphere of the elf kingdom itself is not enthusiastic, and the trading behavior is more like the exchange of gifts as a favor. This has also resulted in the kingdom's treasury accumulating a lot of coins over the years.
One of the few uses of these coins, and also the largest project, is for external business transactions with humans. In addition, even if they are given as rewards to elves with meritorious deeds, they will be despised. You can imagine how much money the kingdom has retained.
.sickle
In the past, due to the closed nature of the Elf Kingdom, the attitude was to have as little communication with the outside world as possible, so those coins were really of no use except for occasionally being melted down to make works of art.
Now seeing how enthusiastic everyone is in borrowing money and earning interest easily, several kings of the Elf Kingdom cannot sit still.
With the unification of coins as the hub and the information exchange 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 because we carefully selected our partners 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 duality of money and intelligence,
Under the impact, the Elf Kingdom gradually opened up, and the demand for money was greater than before. Naturally, some ideas will arise.
Lin only gave one response: wait and see.
As for whether those big shots listen to him or not, it has nothing to do with him as a trap digger. Everything must be explained to others clearly, which sometimes leads to more doubts and distrust.
Don’t you see the people in my hometown who have been warned by outsiders and have been defrauded? They all keep saying that those scammers are trustworthy and cannot deceive them, and the things are true. The so-called authorities are obsessed with this kind of thing is not limited to the scammers in their hometown.
It’s just a crazy era.
In fact, things like bank lending are not entirely bad. The key lies in direction and control. Once out of control, you will taste the bitter fruit of a bubble bursting. And wealth will be concentrated in the hands of a few people, just like being attracted by a black hole.
Is this avoidable?
Maybe, but some people who have been poisoned by capital don't have enough wisdom to think of good ways to avoid it. They will just bury their heads like an ostrich, trying to delay the matter until they die and can't see it.
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In fact, the crux of the problem is that the bank in my hometown is a profit-making enterprise, not a charity. When the bank 'must' pursue profits, it can pay interest to the bank's depositors and pay salaries to the bank's employees (fat cats?)
, it will be difficult to control the financial monster of banks to show its fangs.
In other words, even if the bank does not show its fangs, it is still like an elephant. If you inadvertently get up and down, you will trample to death some small insects or small animals that have little sense of existence.
Does the elephant intentionally kill? No, it's just that those little eyesless things don't know how to escape where the elephant steps on it.
But no one has realized a problem yet. The key to Midi Finance is tied to a god!
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 era when geniuses deliberately do evil and talents emerge in large numbers, a certain pit digger hides in a dark corner and smiles sinisterly, watching quietly.