In early autumn, wheat, potatoes and various crops finally matured. This was a great harvest. It must be said that God allowed Rhodes to endure a lot of forbearance, but he finally tasted the joy of harvest. Unlike industrial production, agriculture
Things basically depend on the weather. If the climate and moisture are suitable, grains can grow. On the contrary, if there is a natural disaster, no matter how you save it, the effect will be minimal.
Fortunately, the farmers who were originally arranged to open up wasteland in the suburbs have basically had a bumper harvest now. As agreed in advance, the first year is free of rent and does not have to hand in any grain, so a large number of farmers came from Erengela.
German farmers not only filled their barns with grain, but also sent the excess to the market to sell in exchange for daily necessities and silver coins.
In order to ensure market order and prevent grain prices from fluctuating significantly, Rhodes purchased a large amount of wheat and potatoes at normal market prices to maintain the balance of supply and demand in the entire market. These foods serve as Black Hammer Castle's grain reserves for the long term.
Put it in the barn. When there is a famine, it can be used to provide relief to the victims. Or when the grain on the market is scarce, part of the grain reserves can be sold on the market in exchange for profits and to recover the acquisition cost.
.This is part of macro-control. For seasonal and mature things like cereals, official regulation is still very necessary.
After the production and economic activities gradually increased, various underground industries also grew and developed. The most obvious one is the lending industry. If you have a small deposit, you will want to do some small business. This is human nature. When the money on hand is not enough,
When you think about doing big business, you need money to offset the immediate costs with future profits. As a result, the lending industry continues to grow. There are always some people who get rich first, and these people hold more in their hands than others.
With the funds, I thought about how to make money. At first, it might just be a loan relationship with relatives and friends nearby. After a long time, I was not satisfied with the status quo and wanted to expand the business. Therefore, a specialized reception organization was born. Luo
Germany knows that it is time to regulate the capital industry and establish banks!
However, before setting up a bank, there is one more thing to do. Fight against loan sharking!
Human beings have been greedy since ancient times. Without capital, they want to start a business and do business. This is a manifestation of greed. But with capital, they want to charge high interest, which is also a manifestation of greed. Normal lending Rhodes
It is still allowed. There is nothing wrong with borrowing money to misappropriate funds among relatives and friends, and it is impossible to control it even if you want to. But if ultra-high interest rates are charged, you must control it. Because this is very likely to cause the borrower to be unable to repay.
This leads to a series of social problems such as violent debt collection. At the same time, loan sharks are not good people. They occupy more funds than others and want to make money just sitting there. In essence, this kind of thing should be done
Kill at the source.
So, while preparing to set up a bank, Rhodes asked Virgil to lead the castle guards to clean up underground banks regularly. Since Black Hammer Castle was still in its early stages of development, the industry was not too developed, so it was relatively easy to deal with. The entire
There are only a handful of people running this thing in Blackhammer Castle. Once the stick goes down, it's almost impossible to get up.
After sweeping away the underground black money houses, Rhodes also started the most critical link in the entire town construction system-the establishment of an official bank. Unlike ordinary lords who use their private treasury to borrow money from the nobles in their territory, here in Rhodes, banks do not
It is just a treasury, as simple as lending money out to collect interest. It will be the central hub of the entire Blackhammer Castle's economic activities.
First, establish an official bank. Due to its large size and lower interest rates than private lending, it can squeeze out almost all private lending activities. If you need money for investment, just borrow it from the lord's bank. Through the total amount of funds loaned, Rhodes can
Intuitively detect the investment development situation of the entire Blackhammer Fort; secondly, since every money is registered, you can clearly grasp the flow of funds, and you can know the current development status of various industries in the entire territory while sitting in the office. If there are some
Overheating of industry development can also be controlled by adjusting interest rates. Similarly, if some industries are lagging behind in development and need support, investment can also be encouraged by lowering interest rates. After all, the lord himself cannot handle all projects in the territory by himself.
A small and medium-sized castle is still possible. If it develops into a big city, it is impossible for one person to invest in all projects. Therefore, setting up a bank in advance as a control tool can prepare for a rainy day.
Also, as a financial tool, banks can absorb private capital and allow lords to do many things. For example, if you need to launch a war in the future but do not have so much funds on hand, you can ask the people in the territory, whether civilians or nobles, to
, borrowing money from them, to put it nicely, is to issue bonds. Promise that after the war is over, the benefits will be equally distributed to the people. Making everyone become the lord's creditors seems very outrageous, but it is conducive to the formation of a kind of national cohesion. Anyway, your
The money is in the lord's pocket. If you win, you can share the benefits, but if you lose, it will be gone. In this way, as long as everyone is involved, they will all fanatically support the lord's actions. Moreover, no one wants the lord to die...
…When the lord died, there was no creditor left, and their money could no longer be recovered.
Of course, this is just a local bank, and it cannot yet perform all the functions that a central bank should have, such as hot money control, exchange rate regulation, etc. If it wants to achieve all the functions of a modern bank, it will require the Kislev Tsar to issue a law
Law, establishment of a central bank, and unified action across the country are things at the national level. At the moment, Rhodes has no time to think that far.
Like all previous actions, the idea was proposed by Rhodes, but it was Alvis who actually executed it. As the head of Blackhammer Castle, he has too many things to do. All big and small things require his practical implementation.
For example, the establishment of a bank this time, manpower preparation, and publicity work all required him to do. In order to make it easier for Alves to do his work, Rhodes directly handed him the key to the vault. The so-called employment of people without suspicion, suspicion.
No one is needed. After a whole year of cooperation and observation, it can basically be concluded that Alves is a usable person. Moreover, to say the least, the people guarding the treasury are all veterans of Blackhammer Fort, so you can rest assured about this.
The most important thing that Rhodes has to do is to review and inspect the books. After all, Rhodes knows how many civilians, how many nobles, how many fields, how many forests and mines there are in the territory, and the annual income and
The expenses are all pretty much known, so as long as there are not too many discrepancies in the accounts, there is no need to delve into them.