Chapter 25: Money and Bank
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Village: Fengxiang Village
Grade: Level 3
Village title: the hometown of martial arts, the hometown of benevolence and righteousness
Current inhabitants/maximum inhabitants: 618/800
Existing building/largest building: 16/22
Existing Soldiers/Max Soldiers: 37/100
Area of the village and its surroundings: 20 km²
Resource Index: Unknown (please explore on your own)
Economic index: 54
Resident satisfaction: 70
Popularity of the village: Famous in Kyushu
Number of affiliated villages: 3
The existing basic buildings of the village: a junior tailor's shop, a junior grocery shop, a high-level blacksmith shop, a high-level private school, a high-level medical hall, a junior tavern, a junior kiln, a top-level martial arts hall, a high-level carpentry workshop, an intermediate post station, and a junior shipyard. To read the latest chapters, please lock in Aishang Novel Network biquge.info{Aishang Novel Network www23hh.cc}
The existing military buildings in the village: barracks, watchtowers.
The village has general buildings: lumberyard, warehouse, dock.
Existing Special Buildings in the Village: None.
Buildings that can be constructed:
Teahouse: Tea can be provided, the attraction of scribes and monks is increased, the village satisfaction is +1, the building condition: 1500 gold, the tea master. A necessary building for village upgrades.
Inn: Provide accommodation for passing travelers, village satisfaction +1, building condition: 2500 gold, cook. A necessary building for village upgrades.
Bank: It can provide coin deposit, withdrawal and capital lending business, building conditions: 5000 gold, merchants. A necessary building for village upgrades.
Mining Farm: Mineral mining efficiency increased by 20%, Building Condition: 1000 Gold. Village upgrades are not required.
Farm: 20% increase in food production efficiency, building condition: 1000g. Village upgrades are not required.
Fish Pond: Can raise fish, Village satisfaction +1, Building condition: 3000 gold. Village upgrades are not required.
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After reading the contents of the village chief's handbook, Ah Niu exhaled a long breath, "It turns out that the attributes of the third-level village are like this......
The introduction of the third-level villages is significantly more detailed than that of the second-level villages. The description of the existing buildings is divided into four categories: basic, special, military, and general, and lord players can understand the status of the territory more intuitively when they read the village chief's manual, and it is clear at a glance.
The increase in the upper limit of population, village area, upper limit of soldiers, and number of affiliated villages introduced on the official website are all confirmed step by step, but what makes Ah Niu strange is that the upgrade conditions of the third-level villages seem to be easier to achieve than the upgrade of the first- and second-level villages - except for the population, and Fengxiang Village certainly does not have this problem!
In terms of quantity, the first two levels of villages can build up to eight types of buildings when upgraded, while the third level of villages can only have six types. Compared with the special talents required, the second-level buildings need four types of special talents, while the third-level villages only need three categories!
It stands to reason that the more you go to the back, the more difficult it is to level up, whether it is a lord or an adventure player, the upgrade conditions of the third-level village are so different, but it makes Ah Niu panic. It seems like a basic common sense that pies don't fall from the sky, and if this common sense were not true, then so many people in the world would not starve to death every year. Is there any mystery hidden in the middle?
Ah Niu, who didn't understand after thinking about it, was even more uneasy.
No matter how powerful the enemy is, it is not impossible to defeat, as long as you know that the other side is well prepared for the right strategy, there will always be a solution, because there are many victorious generals in the world, but there are almost no undefeated generals. Unknown opponents are the toughest opponents! Imagine knowing but not knowing the other, what is the strategy for? Naturally, it is not enough to be fully prepared. When you are targeted by such an enemy, then ask for more blessings.
Ah Niu is like this now, after reflecting for a long time, he finally came to a conclusion: it seems that he is worthy of the people of the whole country, and his character is even more top-notch, and he is heroic and righteous, Bo Yuntian is generous, benevolent, intelligent, and clever, and he is righteous and sparse in the snow, and he sends charcoal to save the dead and help the wounded...... The advantages of such a while and a half will be innumerable, so that the perfect ginseng luck should not be too bad! So the panicked heart said goodbye to the panic for a while.
It wasn't until Fengxiang Village was about to be upgraded to a first-class town that Ah Niu finally realized that his appearance was not outstanding enough, and his character didn't seem to be very good, and at this time, there were few advantages that were not clearly related to him, but at this time, this guy didn't know.
Among the six types of buildings that can be added today, teahouses, inns, and money houses must have the corresponding talents to build.
The tea master seems to be a rare species, at least Ah Niu has never seen it, but Ah Niu, who firmly believes that "there must be a road before the car reaches the mountain, and the road leads to Fengxiang Village", is not too worried. Recently, Fengxiang Village's income has been growing, and as a great leader who led Fengxiang Village to embark on the thriving and prosperous road, Zheng Aniu, the village head, naturally has become more and more swollen. In Ah Niu's opinion, ordinary small problems are not a problem, and it is easy to do things with money! However, it seems that talent is not something that can be solved with money, at least money is not an absolute factor.
The inn needs a chef, and this chef is not an unpopular profession! Every family has to eat every day, this is a truth that has existed since the beginning of the world, so this chef is naturally easy to find. The Heart Demon Village, which was just wiped out by Fengxiang Village the previous time, is also a second-level village, so naturally there are necessary cooks for the upgrade of the first-level village, so the problem of this inn is no longer a problem. But at this time, Ah Niu finally remembered that there seemed to be no cook's report on the last seizure list? Asking questions if you don't understand is also one of the few virtues in Ah Niu, but the answer Chen Gong gave him is really a bit infuriating - the chef in the Heart Demon Village is as curious as Ah Niu, how can he not visit such a fun thing as a war? It's a pity that the knife and gun have no eyes, and the arrow is hit by mistake, the strength of the recruits in Fengxiang Village is enough, but the accuracy is a little bit worse, and the unjust case of the bandits in Fengxiang Village killing civilians has finally been revealed to the world.
However, Ah Niu's willpower is not something that can be distorted by this little episode, and now there is a chef in the tavern in Fengxiang Village, although it is still only a beginner, but when the level is promoted to a high, he can take an apprentice. Go back and ask He Huanting's little girl not to be lazy, just hurry up and practice the skill level? So the question about the chef seems to have been solved "very satisfactorily". However, some people seem to have forgotten that it seems that improving the skill level is not as easy as drinking water, and it seems that it takes a little bit longer to get a chef from beginner to advanced, in addition to mastering more recipes.
As for the merchants of the bank, there really is no problem. Among all the talents obtained from the Heart Demon Village, only the businessman is a high-level talent, and Ah Niu can definitely guarantee that he is not mistaken. Originally, Ah Niu wanted to open a grocery store again, after all, with the increase of villagers and players, there is only one junior grocery store in Fengxiang Village, which seems to be a little less, not to mention that among all the buildings in Fengxiang Village, there are only grocery stores and Aunt Wang's tailor A Niu has no investment, and it is very painful not to receive dividends! Now that the money village needs a merchant, the plan for this second grocery store has to be put aside, and the determined Ah Niu will certainly not give up his desire to open a store, but at least until the senior merchant brings out the apprentice. Before this, Ah Niu would inevitably be stimulated by the income of He Zudao's shopkeeper.
Under the attention of the supreme leader, the money village in Fengxiang Village was built with lightning speed, and was quickly promoted to a high-level money village, but the price of upgrading was obviously not bad, and it cost an extra 20,000 gold. But this will Ah Niu is thinking about how much income the loan business of Qian Zhuang will bring to Fengxiang Village, and the battle between the 20,000 gold coins and the possible huge gains in the future is obviously lost, anyway, Ah Niu is not too worried about money now.
"High-level bank: opened by senior businessman Wu Youcai, which can provide coin deposit, withdrawal and capital lending business, village satisfaction +1, income status: inferior. A necessary building for village upgrades. ”
After reading the introduction, Ah Niu almost bit all the steel teeth and blew himself up, the hidden attribute of the village satisfaction +1 is of course good, but the "bad" income situation makes Ah Niu directly angry.
"Tell me, why the income of the money bank that spent 25,000 oceans is so bad?" Ah Niu, who was blue-faced, had the idea of dueling with this tiger-backed businessman at this time, "Could it be that this guy is stealing?" ”
Wu Youcai was frightened by the hideous form of this weak scholar, and hurriedly explained the reason.
It is true that money lending can bring rich income, but since it is lending, then the premise is of course to have capital, although deposits and withdrawals can also charge a little fee, but it is almost not worth mentioning in the profit of the bank. And now this majestic and magnificent high-end money village has no capital at all, how can it profit? "How much do you need?"
"Of course, the more the capital of this loan, the better, and at least 50,000 gold is indispensable." Wu has a way of wealth.
The ancients said that "I can't bear the child to trap the wolf, and I can't bear the daughter-in-law to trap the pervert", Ah Niu, who has this kind of awareness, will naturally not be stingy, "Okay, you can find Mr. Chen Gong for 50,000 gold." However, Wu Youcai's question is not over, and he continued, "There is one more matter, what is the interest rate of the loan, please make it clear to your lordship." ”
Can you set the interest rate of the bank loan? This unexpected discovery immediately made Ah Niu come to his senses.
In fact, as early as the time of Emperor Wu of the Han Dynasty, the usury tax had been levied, and it was extended to the Eastern Han Dynasty, and the usury owners were levied "counting money", which is consistent, and always is 1,000 yuan.
(PS: This article does not use the historical currency system, it is too raw and awkward, so it is directly replaced by gold coins.) Although this point does not correspond to history, the cat thinks it is more intuitive. Let's make an explanation first, so as not to make more serious book friends unhappy, hehe. )
"Generally speaking, what is the interest rate of each bank?" Ah Niu is worried that no one cares about setting too high, setting too low and losing too much, so he might as well ask the next family.
"Well...... The interest rate varies from bank to banker, but most of them are between 15% and 20%. Wu Youcai replied.
"In this way, the villagers in this village borrow cheaper, 10% is good, and 20% of the loans from other places cannot be less, and foreign borrowers must be treated with caution, and they would rather not borrow than have the risk of losing money!" Although Ah Niu loves money a lot, he is generous enough to the villagers in his territory. After the villagers borrow, it will naturally promote the development of Fengxiang Village, who is the most beneficial to the development of Fengxiang Village? Of course it's him! However, the people who are not from Fengxiang Village are not so lucky, it is almost impossible to get benefits, and it is logical to be slaughtered to the ground.
"It's up to the lord." Wu Youcai, who has no more problems, is satisfied.
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But soon, the satisfied merchant came back with a resentful face, and with his majestic body he looked even more funny, and buried his head in Chen Gong, suspecting that this Sven had just robbed him of his lollipop.
"Lord, but do you want to give this money village 50,000 gold as capital?" Chen Gong spoke twice as fast as usual.
Ah Niu's eyes rolled and he understood: Dare to love this Chen Gong's flesh to hurt this huge amount of money, Wu Youcai touched a big nail, and estimated that his injured heart was still dripping blood at this time. Ah Niu, who took saving lives and helping the wounded as his duty, naturally had to find a way to persuade Chen Gong, the chief housekeeper of Fengxiang Village, so the drooling flowed endlessly for half an hour.
From the grand vision of the future of the lending business, to the possible new pillar industries of Fengxiang Village, coupled with the many conveniences of Qianzhuang to Fengxiang villagers, and the various miracles that may be generated by the borrowing of Qianzhuang...... Until Chen Gong said softly, "Lord, I know that my village has no money!" ”
Out of money? Ah Niu Benru heard the most unfunny joke, how could Fengxiang Village have no money?
Now that Fengxiang Village's income is clearly there, the job transfer order has more than 20,000 benefits a day, plus the influx of many players, the business of the store is getting better, and the income is not bad, how can there be no money? Chen Gong told a lot of words, and it made Ah Niu sweat when he heard it.
Fengxiang Village's income is indeed quite a lot, but the wealthy village chief Aniu is once again planted in the same pit: profligacy.
First, there is a history of reimbursement of the player's fare, and then there is a blind construction with great joy, rewarding the soldiers and related logistics personnel, plus the investment in upgrading the village and personnel salaries......
When talking about this high-grade money village that had just spent a hundred and two hundred and five, Chen Gong sighed even more, "Can the money village be promoted to a high-level now?" The biggest difference between a senior bank and a junior bank is that the commission charged for deposits and withdrawals is a little higher, and this income is precisely the most insignificant part of it, and 20,000 gold is wasted in vain! Hearing this, Ah Niu was almost depressed and fainted, this pompous wind kills people.
"If there is a mistake, it must be corrected, and it will be reciprocated" A Niu continued this glorious tradition, but repentance is repentance, and the money village that has been built with so much money still has to be opened, and it is a confession of sonorous words and swearing, coupled with a sad look of pity that touches me, Chen Gong, who couldn't resist it, sighed, and had to find out 10,000 oceans, it seems that the remaining funds in Fengxiang Village at this time are less than five figures.
The dream of developing Qianzhuang into a pillar industry has to take off a wing first, and take care of the villagers of Fengxiang Village as much as possible......
Those villagers who are still in the cottages have no choice but to be aggrieved again, and they really can't come up with the 10,000 oceans that have been promoted to third-level affiliated villages......
Ah Niu, who knew that he was deeply guilty, looked particularly vicissitudes in the remaining half of the day......
Editor's note: The old cat failed to find the specific interest rate of usury during the Three Kingdoms period, so he had to fabricate a range, if you know friends, you may wish to tell it in the message.
End of chapter.
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