Banks are the products of the development of financial capital to a certain stage, and in the Silver Continent, there is no such thing as a bank, and there are only money banks.

Silver continent to gold, silver and copper and other precious metals as the base currency, this world does not have banknotes this kind of credit issued currency, the existence of the bank, the biggest role, is to facilitate the circulation of gold, silver and copper and other inconvenient people to carry a large number of metal currency, for example, business people, to go to the field to enter a thousand taels of silver goods, if there is no bank, he has to personally carry the volume and quantity of these money on the road, both troublesome and cumbersome, the risk will increase countless times, it is in this case, the money came into being。 With the bank, these people can carry the same number of gold and silver tickets to purchase goods.

Gold and silver bills are things issued by the bank, and in essence, the gold and silver bills are not currency, but IOUs issued by the bank. This is also the biggest difference between money banks and banks, the central bank with the right to issue currency can issue money with credit, while the existence of commercial banks is not to facilitate the circulation of money, but to gather the profits of idle currency investment by the people.

The people of the Silver Continent deposit gold and silver and other currencies in the bank, the main purpose is to facilitate the carrying and use, and the role of the money is to help you keep the money that you put in the bank, so the people of the Silver Continent store the money in the bank, not only do they have no interest on this thing, but they also have to pay a certain fee to the bank.

Give you the money, and give you the custody and circulation fee, such a thing, if it was placed in Yan Liqiang's previous life, it would be a fantasy, but in this world, all this is completely reasonable, and no one thinks there is anything wrong. In fact, in the previous life, when everyone took money to the bank, they also paid for the custody fee, which was the difference between inflation and bank interest, but everyone didn't notice it.

When he obtained the Lu family's five hundred taels of gold, Yan Liqiang once took it for granted that he wanted to save this large amount of money in the money village to eat interest, and Yan Liqiang was still thinking that if the money village here could have five percent interest, with these five hundred taels of gold, he could get twenty-five taels of gold interest every year, and with twenty-five taels of gold, he and Yan Dechang could already eat and wear without worry.

But the cruel reality of this world soon made Yan Liqiang wake up from the dream of "making money while lying down", and after understanding the operation mechanism of the bank, Yan Liqiang found that if he kept the gold in the bank, the gold would not only not increase, but would also become less and less.

Yan Liqiang naturally couldn't accept such a thing.

This time when he went home, while trying to find a way to solve the threat of the Hong family, Yan Liqiang was already thinking about the use of those gold.

Yan Dechang is already a little old, and he has not cultivated, as he gets older, his physical strength will decline more and more, and the blacksmith's bowl of rice is becoming more and more difficult to eat, and this time Yan Dechang was seriously injured, even if his body gradually recovers, for a long time in the future, at least half a year must be cultivated, can not do too heavy work, the hammer has to be leisurely, under these practical problems related to survival, Yan Liqiang must not consider the future economic source of the family, this economic source is not only related to the future livelihood of his father Yan Dechang, but also related to whether Yan Liqiang can live a little nourished in this world。

Martial arts training may not be necessary for everyone's survival, but food, clothing and housing are the necessities of everyone's life, and the latter need to be solved with money.

Yan Liqiang was actually thinking about how to use the money in his mind these days? He thought about investing in the past, thinking about what kind of four-wheeled carriage to produce, and thinking about producing lighters and other things that are more convenient to carry and use than fire sickles, but in the end, after careful research, he found that although his ideas were good, they were a bit unreliable and difficult to realize for him now.

First of all, in this world, there is no such thing as stocks, and those who do business also have partners, but it is not an overnight thing to invest in finding a partner, and now they do not have this kind of background and relationship at home.

Secondly, he also thought about using the family's blacksmith workshop to make some small inventions, the principle of the four-wheeled carriage and the lighter is actually very simple, their blacksmith shop is actually building a fire sickle, you can easily make a lighter or a four-wheeled carriage that can be easily steered, but unfortunately, there is no invention patent in this world, if he improves the fire sickle into a lighter or a four-wheeled carriage, someone else buys one, takes it apart, and suddenly realizes it in three seconds, and then the same thing will come out of other larger, more powerful blacksmith workshops, In addition to making a little money for the family at the beginning, the things he worked hard to get out of the way are estimated to be unknown to everyone later.

After considering all possibilities, Yan Liqiang finally found that the best way in front of him was to buy land and shops.

After buying land, having hired farmers to plant, and agreeing with the hired farmers on the proportion of land rent, as long as they do not encounter any major natural and man-made disasters, they can basically ensure the harvest in drought and flood, keep some grain for themselves, and sell the surplus grain for money, and the family's life will not have to worry.

If you have money, you will buy land, the more land, the faster it will accumulate, the more people who rely on yourself to eat, the bigger the territory, there is land, money, and people, naturally there must be someone to protect, and you must recruit guards and guards, if you want to be stable and not be remembered, you must naturally have a good relationship with the government and all aspects, so that the tentacles will be stretched out, and the power and influence in the local area will slowly come out, and the so-called local tyrants and local snakes will also be trained.

The Hong family is taking this road, the Lu family is taking this road, the Shen family is also taking this road, no matter how big the family is, they are also taking this road, countless heroes and heroes in ancient China are still taking the same road, since so many people are taking this road, and there is no other road better, so Yan Liqiang has to take this road, and he can't put so much gold to sit and eat empty.

A few days ago, Yan Liqiang wanted to mention the matter of buying land with Yan Dechang, but Yan Dechang's health had not recovered well in those days, and he had not yet completed the national art examination, so Yan Liqiang endured it, but he didn't expect that today's family was suddenly full of people, and he received so many congratulatory gifts, and he almost couldn't pile up a house, so Yan Liqiang took the opportunity to tell Yan Dechang his thoughts.

In addition to buying land, the house at home has not been repaired for decades, and it is already a little dilapidated, so it is time to get it right.

Yan Dechang only thought about it a little and agreed.

Seeing that Yan Dechang agreed, Yan Liqiang breathed a sigh of relief.

Shi Dafeng invited him to travel, why didn't he go, he just wanted to use more than two months to do a good job at home before he went to the Pingxi County Guoshu Museum, so that after he left Qinghe County, he could let his father live a relaxed life at home, and no longer have to be unkempt and frugal every day. This is also a little bit of heart for being a child.

Yan Liqiang himself doesn't know much about buying land, buying a shop and building a house, but it doesn't matter, there are people in the family who understand, so Yan Liqiang simply handed over this matter to Lu Wenbin.

The gold that the Lu family gave him, plus the congratulatory gift money received this time, except for leaving fifty taels of gold and five hundred taels of silver for backup, Yan Liqiang was ready to use all of them to buy land, shops and build houses.

......

After finishing these things, it was only the day after the big exam, before dawn, Yan Liqiang threw himself into cultivation without hesitation......

The reason why he did not hesitate was because Yan Liqiang suddenly found that if his time and energy could also be used for investment, investing his time and energy in cultivation would be a good business in this world.

Think about it, cultivation can bring you a healthy and strong body, can bring you strong strength, can allow you to protect yourself and your family, can make you happy and revenge, can also allow you to harvest a lot of real money, beautiful women's mansions to live a good life, let you be admired and respected, and become a member of a higher class - where to find such a good thing......