"Yin eats grain?"

The three Kvern Dharma Gods looked at each other with blank expressions.

Thanks to Yu Sheng'an's contractual authority, his language translation was very accurate, but the three Dharma Gods were still confused by this word.

They could understand every word of the word, but they were confused when they put it together.

"Mr. Ajef, can you be specific?"

Dundan was a little embarrassed.

Magicians, no matter what plane they are in, have always been synonymous with knowledge.

Many people scold magicians, and they also call them "nerds", which can be seen from this.

"Yin eats food, to put it bluntly, it is an overdraft of future funds. There are many ways to do this, and the easiest way for the empire at the moment is to issue government bonds. ”

To put it simply, it is the empire that makes IOUs and borrows funds from the private sector at a certain interest. After expiration, citizens can take out cash with interest with the IOU. ”

In other words, this is equivalent to spending the future financial revenues of the empire in advance. ”

Yu Sheng'an's concise explanation made the three Dharma gods suddenly realize.

Speaking of which, isn't it just borrowing money?

The three Dharma gods immediately breathed a sigh of relief, and there was also a little resentment in their hearts, this Internet god always likes to use inexplicable words, which makes them think that the concept is so profound.

However, then again, the idea of borrowing money from the private sector in the name of the state is quite new.

"Isn't this just a loan between nobles? In that case, why should we bother so much? Dundan said.

"It's different!" Yu Sheng'an shook his head: "Sending tasks to nobles is mandatory, and this is no essential difference from taxing nobles, at least in their understanding. ”

"The issuance of government bonds is voluntary, whether they buy it or not. In addition, the minimum amount of the national debt can be set as a gold Kver coin, so that the entry threshold is low, the audience is wide, in addition to the nobility, the middle class, and the general rich peasants can also buy, so that the empire can easily raise tens of millions of gold coins. ”

Yu Sheng'an explained.

"This ......"

Deng Daner was stunned, and after thinking about it carefully, it seemed that this was really the truth.

Forcibly sending fundraising tasks to the nobles, even if the empire says that it will pay back the money, the nobles will definitely mumble very much.

After all, there are not a few nobles who accumulate wealth in the name of borrowing money.

"Mr. Ajef, I have to admit that your vision is perfect, but I don't think it fits now. At the beginning of the imperial war, it is easy to give people the impression that the treasury is empty, which will have the opposite effect. ”

The Dharma God Becy paused and said:

"In addition, although my Kerver has played a majestic role, there is no evil god coveting it secretly, so we should not show cowardice. ”

Edgar, led by the god Bessie, is the famous commercial capital of the Kerville Empire, and under the influence of his ears and eyes, the god Bessie naturally has an instinctive intuition about economics.

"Bessie is right, this kind of thing is unprecedented, and no one can predict what the specific effect will be. In the current situation of the Empire, it is indeed not easy to implement radical policies. ”

Dundany agreed with Bessie's words.

The opposition of Bessie and Dundaner stunned Yu Sheng'an, and he suddenly realized that he had copied a little.

In this world where commercial activities are very primitive, the idea of "borrowing chickens to lay eggs" capital is in its infancy.

Borrowing money, in the eyes of most, is negative.

Individuals are still like this, borrowing money in the name of the empire, the impact is even more terrifying.

Perhaps, it is not impossible for other countries to think that the war has emptied the treasury of Kwel, and then give birth to some radical ideas.

"Mr. Ajief, you just said that there are many ways to eat food, so what are the others?" Zimmour changed the subject.

The other two Dharma gods also looked at it with great interest when they heard the words.

While the national debt doesn't suit the current Kvir Empire, they have to admit that the god of the internet is really different.

Thinking is simply whimsical and eclectic.

"There's another way to circumvent the empire's cowardice problem, and that's to open a bank. To put it bluntly, it is a money savings business. ”

"This is a bit similar to the exchange coupon in the [Conquest of the Second Plane], the user deposits the gold coins in the bank or the magic tower, I open an account for him, when the gold coins are needed, summon the Internet, go to the bank to confirm it, and you can withdraw the cash. ”

"In this way, the wealth of the entire empire will be gathered in the hands of the banks, and I can lend some of the funds to the imperial treasury, similar to the national debt just mentioned, and when it matures, the empire will pay it back with taxes. ”

Speaking of this, Yu Sheng'an's eyes narrowed:

"If this happens, the subjects of the empire will even be able to get rid of the shackles of currency in the future. Their money can be completely replaced by virtual currency, just like Internet points, they need to trade with each other, open the Internet and scan the code, and they can increase or decrease the currency through the Internet. ”

At that time, the empire will not only greatly save the cost of coinage, but this will also accelerate the circulation of money and stimulate the development of commerce. In the future, merchants will no longer be able to carry boxes of gold coins, and you should understand what it means!"

Yu Sheng'an took a deep breath:

"We can even use this to create a financial exchange system that pegges the Kerville currency to the magic, and the exchange rates of national currencies to the Kerville currency. At that time, we will adjust the exchange rate and mint coins at will, no, we will not even need to mint coins, I will change the numbers at will, and I will be able to deprive all the wealth. ”

The three Kvern gods were dumbfounded.

In the case of Internet credits, they can barely understand the concept of virtual currency;

But what is the exchange system, what exchange rate, what is pegged, what is the deprivation of all plane wealth, to be honest, they are really completely confused.

"Mr. Ajief, can you elaborate on it?"

Deng Daner humbly asked for advice.

Yu Sheng'an took a breath and explained carefully, he needed the Kerver Empire to help him through the initial "material stage" of money.

In this world, money is still at the stage of "acting as a special commodity as a general equivalent".

In other words, money itself is a commodity.

Gold, silver, and copper have value in their own right.

If you want to transition to the "functional" stage of "not worthy of the name", in this world, there is still a long way to go.

Therefore, if you want to absorb savings, you have to rely on outlets to attract depositors.

It just so happens that the appearance of the [Conquest Sub-Plane] Krypton value and exchange coupons is, to a certain extent, actually the embodiment of some of the functions of the bank.

Therefore, using the Magic Tower as a bank branch is definitely promising.

In addition, there has never been a better time to open a bank.

Why?

This is an alternative manifestation of the war dividend.

Kvir was able to withstand even the attack of the United States of Santod, and even successfully counterattacked and flattened one of the opponent's capitals, which proved that Kvir was capable of ensuring the safety of the bank.

For depositors, isn't the most basic guarantee of the bank's safety?

With Yu Sheng'an's explanation, the expressions of the three Dharma gods gradually became petrified and sluggish.

It wasn't until sunset that the three of them ended the meeting unsatisfied.

When leaving, Rao was digested after a long meeting, and the three of them were still shocked, and some kind of speculation was strengthened in their hearts.

- The essence of the god of the Internet, perhaps the abyss demon!

What comes from the presence of the Blue Star?

He was afraid that he had completely taken possession of a certain plane, so he designed this prayer with a unique directional type, right?

And the ultimate purpose of this is to conceal his demonic nature, so that he can preach among the largest human population.

It's no wonder that the three of them came up with such an idea.

In fact, the concept that Yu Sheng'an said was so unbelievable that they had never heard of it.

You know, as Dharma gods, plane travel happens from time to time, and they also see a lot of strange customs and cultures.

Even the remains of the Ancient Protoss Titans, they could recognize them at a glance, and they could imagine how terrifying this experience was.

It's just this experience, but I've never seen what Yu Sheng'an said.

So how exactly these things were born is really questionable.

They have reason to believe that these murderous financial concepts can only be imagined by demons whose souls are completely distorted.

However, now is not the time to wonder whether the god of the Internet is a demon or not.

Because the Kver Empire has already boarded his chariot, he can't leave if he wants to.

Fortunately, at present, his presence is definitely more beneficial than disadvantageous for Kerveil.

Or, after seeing the fierce force and cunning wisdom of the god of the Internet, they would rather become his minions than become "wage earners" under what he calls "financial warfare".