The setting of the game, Zhongzhou has 21,600 towns, 864,000 villages, an average of 500 people in each village, a total rural population of 432 million, an average of 30,000 people per town, and a total urban population of 648 million.

The state has a total population of 1.08 billion.

But these 1.08 billion people simply refer to neutral NPCs, villain NPCs are not considered people, and players, as outsiders, are not counted.

The ratio of urban to rural population is 3:2.

In other words, in addition to supporting themselves, the two peasants had to feed three people in the city, and in the end none of them were starved to death, and the people in the city lived well, not engaged in agricultural production, and supported the whole family by handicrafts and commerce alone.

It can be seen that this is a super developed commercial society, with an urbanization rate of 60%.

However, Lin Xiaoguang entered the city, walked all the way through restaurants and restaurants and many other shops, but found that something was wrong, although this society was commercially developed, but there was no currency, no general equivalents, all of them were bartered.

The development is very deformed.

In the bazaar, there are vendors everywhere: "Sell turnips, ten turnips for a pound of rice." ”

"A good cotton coat, thirty pounds of flour."

"Ten eighty percent new rifles, ten catties of wheat for sale, you can't buy a loss, you can't buy it, you can't be fooled, and you won't come again when you can't miss ......the opportunity."

Lin Xiaoguang rode a tall horse and walked on the street, surrounded by heavily armed security guards, behind him was a mighty convoy, the bustling bazaar was originally a little crowded, neutral NPCs saw them, and instantly got out of the way, no matter who it was, no one dared to block the way.

However, some players couldn't see him so domineering, and they were about to scold when they opened their mouths, but when they saw so many people and so many guns, they instantly shut up, couldn't afford to provoke him, and slipped away.

I have to say that nearly 100 people, nearly 100 guns, fully armed, this formation is big enough.

It's arrogant enough.

The bazaar was huge, and he found an open lot, and then a car pulled it over, lined it up, and began to sell it.

"The best wheat, full and round, change the rifle and change the bullet, the quantity is excellent, the price is cheap, five catties of wheat and four guns, three taels of wheat and eight bullets, don't miss the ...... when you pass by"

Lin Xiaoguang had never seen the scene of the arms trade, and he thought that he would be like in the film and television drama, waiting for or eyeing the tiger.

But he was wrong, in the bazaar, weapons are just a commodity, when everyone bargains, it is no different from buying meat and clothes, either it is too expensive, or it is cheaper to buy it, there is no sense of disobedience at all, surprisingly harmonious.

As the only neutral NPC to buy weapons, as soon as they appeared in the bazaar, players immediately rushed over and lined up to trade.

The heat is in full swing, and the supply exceeds the demand.

Standing aside, he looked at it for a while and noticed a problem.

Neutral NPCs don't buy weapons, some of them have food in their hands, some have cloth in their hands, and they only trade for other things, which has nothing to do with weapons and the like.

It is only when the player has surplus food to sell that it will attract other players to trade weapons.

At present, wheat, rice and flour are considered bulk traded commodities and can be said to be potential general equivalents, but there is still a long way to go before they turn positive in the future.

In a society where commerce is extremely developed, bartering is still too primitive.

Just like now, there is no currency, and the only condition for a deal to be made is the goods I have, which is exactly what you need, and the goods I need are exactly what you have.

The others, the first one, which I have, is what you need, but what I want, you don't have; Second, what I want, you have, I have, but unfortunately it is not what you need; The third, what I want, you don't have, what you need, I don't have. None of these three conditions can make a deal.

Neutral NPCs are okay with each other, and the most embarrassing thing is the player.

Neither the farmers nor the hunters in the bazaar need weapons, and players who want to trade food and weapons can only look for players of the same kind.

If there is money as a medium, it is different, the above three forms can be traded, first sell the goods for money, and then use the money to buy other things needed, and it is not necessary to match them one by one.

So, Lin Xiaoguang had a bold idea.

Start a bank.

The entire town of Killing Tiger's Mouth, plus the 40 villages under the jurisdiction outside the city, add up to almost 50,000 people, this is just a neutral NPC, and then counting the players, I don't know how many people there are, but it is expected that it will not be more than 50,000 people.

At most, there are 100,000 people, and the number is slightly smaller, and it is not easy to incubate a bank, but it is not impossible to operate.

Neutral NPCs and players need to agree with the medium status of currency, such as copper coins or paper money, the establishment of a bank alone does not give it value, and even if the copper coins are minted and the paper money is printed, no one will use it.

The U.S. dollar was first pegged to gold, and with U.S. dollars, you can buy gold at the price of gold without restrictions.

The same is true of the dollar-oil settlement system, where oil gives value to the dollar.

Thinking of this, Lin Xiaoguang had a preliminary method to link the currency to grain, but in this way, he had to control all the grain transactions in the entire tiger mouth.

In other words, in the future, peasant households in the countryside outside the city can no longer sell grain privately, but can only sell grain to him.

He then asks for money when he sells food to neutral NPCs and players in the city, but neutral NPCs and players don't have currency in their hands, but they do have other goods in their hands, such as cloth and weapons.

At this point, he buys cloth and weapons in currency, and neutral NPCs and players receive currency accordingly.

Come down so that they can buy food.

That's how it works.

At this point, Lin Xiaoguang suddenly found that either he would completely occupy the 40 rural villages under the jurisdiction of the tiger, or set up cards outside the city to intercept the farmers selling grain, and he would not let a single grain flow into the city anyway.

At the same time, minting copper coins requires a large amount of copper and coinage technology, minting paper money requires a large amount of paper and printing technology, in addition to anti-counterfeiting technology is the top priority.

It's not easy.

The currency of a private bank can only be pegged to valuable collateral if it is to be recognized, but unlike national and local government banks, currency can be secured by the credit of a national or local government.

Therefore, in addition to the above-mentioned method of setting up a private bank, he has another way.

Prepare to set up Zhengfu Bank in Hukou Town.

To achieve this, it is necessary to occupy and kill the tiger's mouth, expel the town mayor of the town, and make himself the mayor, and at the same time set up the town government and other ruling and administrative institutions, such as the agricultural office, the industrial and commercial office, the tax office, and the police station to maintain law and order, and most importantly, the town government army, and kill the tiger mouth government army.

To some extent, occupying the tiger's mouth is direct and rude, and it is once and for all, but it is quite difficult.

Setting up a private bank is less difficult, but things are more troublesome.

But before that, you need to prepare a lot of copper and paper, as well as get coinage, money printing and anti-counterfeiting technology, if you don't have copper, you can only find copper mines to mine yourself, and if you don't have paper, you can only make your own paper.

He is quite ambitious, but looking at the gang under his hands, it is okay to fight, and the rest is still forgotten.

"It's so hard!"

……