White Fort Deer, Pande Bank.

In the past few days, Lysli has been working overtime at the bank headquarters to calculate the financing amount.

The large amount, coupled with Leon's request to use as many silver coins as possible, made the number of coins even more terrifying.

Some of the Noldor Girl Ranger who live in White Hart Castle have become part-time apprentices, and they live a good life of counting money and cramping in advance.

"At present, the total amount of investment in the bank has exceeded 300,000 dinars, with a total of more than 3,000 yuan...... That's a lot, my lord, I've been worrying about it all these days......

Lesri looked a little dazed, probably because she hadn't slept for a long time.

"That's not a lot...... What to worry about? Are you worried about being robbed?"

On the contrary, Leon felt that this was a smaller amount than he had imagined.

As long as you deposit more than 10 dinars in a lump sum, you will be able to receive dividends in the future, and this is still a confidential storage that does not reveal the depositor's information - just in time for the tax to be collected......

Under such conditions, only 300,000 dinars were raised, which obviously means that the eastern region is indeed relatively poor, and there are not many people with more than 10 dinars in cash.

"No, sir...... I'm afraid I won't be able to cope. I'm worried that no one is taking out loans, and I'm worried that there are too many people taking out loans; I'm worried that no one is depositing, and I'm worried that there are too many people depositing...... Alas...... It's good that Miss Amy is back now, I'm timid, and I'm really not fit for this ......."

Lesri muttered, she seemed to be entangled in contradictions.

"I'm sorry for you, too...... Come to Silk, you can get out of the sea of misery and go back to the long river Express."

Leon handed Lesri a jar of fruit liqueur.

"Leon...... You didn't move the bank's headquarters to Changhe Town just to wait for me to come back?"

Amy's eyes seemed to light up as she looked at the various coins that were neatly stacked in columns.

"Of course, Miss Amy, your lord deliberately set the opening date of the bank for October 1st, just to wait for you to return."

Lai Si Limeng took a sip of wine, took a breath, and looked a lot more relaxed: "Let's talk, I'm going to sleep......

After saying that, she left a little staggeringly, looking tired enough.

"That...... You...... What are you going to do?"

Amy looked at Leon with a hint of a different emotion in her eyes, and her voice became much softer than before.

"You should know that this year's taxes are very high...... Amy, we've negotiated deals with a lot of noble estates, and now we're going to let them make good on them. Do you remember when you asked me to buy food at a high price......

The lord didn't notice it at all, and brought up the old things to himself.

"Uh-huh...... I didn't know anything at the time......

Amy glanced at Leon, and this time her voice was softer.

"Amy, are you sick? Why don't you go and rest for a while...... Drink some hot water?"

The lord looked at Amy with some concern, but Amy rolled her eyes.

"I...... Never mind...... You plan to use the money in the bank to collect all the food and supplies that have just been harvested by those noble estates, including stocks, and then create a little panic after a while, so that they can buy them back from us for armaments, right...... It's the same as when I used to ask you to buy food at a high price."

Amy covered her face and casually pulled up her long loose hair in a ponytail as she spoke, and rolled up her sleeves.

The lace on the sleeves of the long white dress was messy by her.

"Amy, you're getting smarter now, only you know what I'm thinking......

Leon looked at Amy, complimenting with a smile on his face.

"No, you're getting dumber now! I have no idea what you're thinking......

Amy sulked expressionlessly.

She spent a whole hour dressing herself today, not only wearing a skirt, but also putting on makeup, but Leon didn't notice it at all!

……

October 1, Pande Bank

Grand opening.

In fact, the opening ceremony was very simple, nothing more than the new Earl Leon came forward to cut the lottery, and made a group of Noldor girl rangers make a appearance, announcing that these elven beauties are about to become employees of the bank.

But it is estimated that there are thousands of onlookers in White Deer Fort alone.

There was also a large group of people outside the castle, and it was like a siege.

The entire castle was crowded inside and out, and most of the people were actually from Changhe Town.

In fact, this is also one of the reasons why the headquarters was not moved to Changhe Town - Bailubao is a small place, which is easy to create a sense of congestion. The town of Changhe is too big......

Whether these people are here to see Miss Noldor in uniform, or to do business, just let people feel the huge heat anyway.

Fortunately, the girl rangers were hired as employees, and the moment the bank opened, hundreds of people poured directly into the hall, and if it weren't for a few Noldor rangers standing at the door with bows, I was afraid that there would be a stampede......

Pande Bank will start taking deposits officially, and has promised not to disclose any information about depositors to anyone, as long as they have a deposit slip, they can withdraw money at any bank branch.

And there is also 10% interest per annum, of course, the interest must be settled at the end of the year.

At the same time, the loan business can not only be handled in the bank, but also in Maixiang International and Changhe Express, which not only supports mortgage loans with assets such as land, but also supports loans with grain, taxes, metals, minerals such as nitrate and sulfur or some other designated commodities as collateral.

In other words, as long as there is a list of materials on the wall of the bank hall, it can be used for a mortgage.

However, the bank has set a requirement - the gold coins deposited must be weighed, and those whose weight does not meet the standard will not be collected, and they can be exchanged for silver coins elsewhere and deposited again.

This is also a reasonable request, and everyone knows that Pande's gold coins are not enough now...... Moreover, Maixiang International has consciously refused to accept gold coins since a few months ago, and the people will naturally follow suit.

Except for those nobles and wealthy merchants, most people are actually not very happy to receive gold coins now, and most of the gold coins are now in the hands of those big nobles, and the vast majority of the people use silver coins.

On the first day of opening, most of the people who poured into the bank were businessmen.

They are there to save money.

The reason for this enthusiasm is actually because Li Ang swore in public that the bank would not disclose the information of depositors to anyone.

Leon's credit was well maintained, especially to the merchants, who had already believed that the lord would not swallow their deposits.

Seeing the lord swear not to reveal depositors, and seeing so many Noldor Ranger working in the bank, gave the merchants even more confidence.

It means safety, security of funds.

Especially before the arrival of winter.

Pande's Winter Advent Festival, also known as the Goddess Unomia Day, falls in October, the day after the full moon.

After the Goddess Day, it is winter until January of the following year.

This is a dangerous time.

During this time, the merchants had to face not only dangers such as robbers and bandits, but also the tax collectors of the various villages.

To be precise, it was those who "assisted" the tax collectors in collecting taxes, such as the servants of the various knights.

In fact, what businessmen are afraid of is not paying taxes, they are afraid of those who "help collect taxes".

Yes, it's the ones who usually do chores for the knights.

Although these knights are usually among the villagers, when it comes to tax collection, they may be even more terrifying than the bandits.

Because they know the general situation of each family, and it is likely that there is a hatred of the rich - this is normal, and ordinary people will have.

Usually it may be fine, but if they are burdened with a heavy tax task, then most of them will think about it...... The person who is doing business, it is said that he is relatively rich, and he can get a sum of money from him, and it is estimated that this task can be solved at one time.

This is all human nature, and it cannot be said that they are bad, they are also to complete their duties

Business.

But in fact, these little people, after temporarily gaining a little power, often cause the greatest evil.

Because they will use the name of the state and the lord, through policy and legal principles, to do all kinds of "enforceable" things in an extremely uncomfortable way.

For example, when facing ordinary businessmen who do not have an aristocratic background, these servants will often directly grab money and goods - by the way, they also carry a little bit in their pockets.

Assist in tax collection, this is quite a good name.

Therefore, most of the merchants did not dare to keep the money in their hands during this time, not because they were afraid of paying taxes, but because they were afraid that all the money would be robbed of all the money, and they had no place to reason.

In fact, this can be said to be the main reason for the underdevelopment of commerce in the Pander continent.

Small businessmen with no background are always afraid, and big businessmen with background will be subject to national and geographical restrictions brought by background.

In the past, small traders with no background would find a place to hide their dinar before the Winter Advent and wait until next year to resume their work.

Now, businessmen can deposit all their cash in the bank before they pay their taxes in October, which is obviously much safer than hiding it in the wilderness, and there is interest.

Since Leon had promised not to reveal his depositors' information to anyone, all merchants, manor owners, and wealthy commoners with a little spare money would be able to realize that it was best to keep their money in the bank.

At least the bank that Leon let the Noldor rangers guard, most of them no one dares to rob.

Anyway, you can withdraw money at any time when you need it.

It is not even necessary to withdraw it all, since you can withdraw money by only using the deposit slip and then checking the ciphertext, then many businessmen can directly use the deposit slip to conduct cashless transactions at the bank.

It's just a little more parchment......

The deposit slip designed by Leon is not actually in the nature of a passbook, but more like a check, made of parchment, half a piece of parchment to be exact.

But this is not a banknote, because it is not yet appropriate for paper money to appear publicly.

It's just a credential.

In order to prevent counterfeiting, the lord also specially designed the survey and text password.

The survey is the seam seal on the deposit certificate and the texture of the pressing, which must match the other half of the bank in storage, and the parchment of this year has a natural texture, and it is basically impossible to find two identical parchments.

The text password is the ciphertext specified by the depositor himself, which will be engraved on both sides of the survey, half of each side, and only the depositor himself knows what the half of the ciphertext kept by the bank is.

Unless the bank does its own internal tricks, these two items have been anti-counterfeiting for many years.

Amy didn't show up at the opening of the bank, she was doing something other important.

Money.

That's what Lesri doesn't feel confident in.

It's really easier for Amy to do this, after all, Amy is already familiar with buying food.

Of course, there is much more to procure than food......

The plan of the lord and Amy is to use a large amount of dinars to receive all the strategic materials that can be received in the eastern region.

So Amy went out with her female soldiers to find the nobles' estates.

At the same time, Amy also directly announced that White Deer Fort was going to make a big purchase, and the materials that needed to be purchased included food, cloth, weapons and equipment, masonry and wood, etc., and a large number of soldiers were recruited.

At the same time, Changhe Town, Fort Yongdun, Fort Eagletalon and other places also announced almost the same large purchases.

It is normal for all newly acquired territories to actively increase their material reserves during the harvest season.

It was also at this time that many merchants used to dump their inventories and shut down for the winter.

However, these merchants may not be out of business this winter......

Because the lord has once again begun to organize caravans into the Noldor Forest.

This time, it was led by Li Ang himself.

Considering a lot of quotients

People were not very happy to stay at home during this tax season, and Leon took the opportunity to organize them into a large caravan, intending to spend the time in the forest for the tax collection......

Thanks to the joint efforts of both sides, a road between Noldor Forest and White Hart Fort was carved out that could barely pass through trucks.

The road had not had time to be repaired, and it looked like a barrier in the mountains, but in any case, the carriage was able to get in.

The market in the Noldor Forest has also officially reopened.

This time, the scene is completely different from the first test run.

Hundreds of carriages drove into the Noldor territory, which was only eighty miles away from White Hart Castle, but seemed extremely distant.

Just three days after the convoy arrived, the entire market had become a sea of elves.

The Noldor elves involved in this transaction have skyrocketed from more than 100 people at the beginning to more than 1,000 people, and they are still increasing.

At the very center of the market is a tall stone building with a sign for the Pande Bank, which is currently guarded by at least a hundred Noldor warriors.

Noldor elves and human merchants are constantly coming and going in the banking halls.

There are also various materials that are constantly being carried away by the Noldor elves and disappearing into the forest; A large number of Noldor spirits carrying supplies also emerged from the forest and converged into the market.

With the presence of banks, the problem of the Noldors running out of cash is no longer a problem.

In fact, within a few days, the Noldos had a large number of dinars available – and merchants would be buying cheap and easy to sell Noldor crafts or high-quality leather and medicinal herbs.

When there is no money available, they will withdraw money directly from the bank, but if the money is not enough, they can also directly use the bank to mortgage the goods for loans.

At the same time, the money received from the sale of goods can be deposited in the nearest bank.

Even many of the Noldor Elves have tried to deposit money into the bank - most of the bank's staff and guards are Noldor Elves, and they can be trusted.

As a result, Leon only shipped a few hundred thousand dinars to this branch, achieving a constant flow of cash.

The entire market finally achieved what Li Ang wanted, and it was booming.

A week later, as Leon's second fleet came in, the market reached its peak.

The second convoy brought a large amount of grain and cloth, and it was sold at a low price - this batch was Li Ang's own goods.

Of course, the parity in the forest is still higher than outside.

But for the Noldor elves, it doesn't matter if it's expensive, the most important thing is that you can buy it!

The Noldos are not poor, and they have money after selling some of their usual useless crafts and other belongings.

If you can eat more convenient food, who wants to find wild fruits everywhere to eat?

Most of the fruits of this era were not tasty and could not be stored.

300,000 pounds of grain and thousands of pieces of cloth were all sold out in a few days, and there was no price increase in the middle;

Almost after these things were sold out, a third caravan arrived, still with grain and cloth......

Later, merchants began to come and go, and a continuous cycle of markets was built......

During the two window periods when the market heat decreased, the lord made up the gap in time with the food and cloth that the Noldors needed most, so that the whole market was in full swing.

Half a month has passed, and now the market has gradually stabilized.

Leon has also returned to Fort White Deer.

A large-scale grain harvest is underway at White Deer Fort, and everyone is busy.

The convoy of Changhe Express has been continuously delivering supplies to Bailubao.

A number of new storehouses were built inside and outside the castle.

There are not so many people at the bank headquarters now, but businessmen still come and go frequently.

Your Excellency is now on the upper floor of the bank to check the latest accounts.

Only this side of White Deer Castle, as of yesterday

The total amount of deposits has exceeded 650,000 dinars, and the exact amount changes at any time, and it is not known how much there is now.

There aren't many loans out at the moment, but there's no need to rush it, and according to the lord's estimate, the peak of the loan should be in January next year.

The misappropriated funds have reached 280,000 dinars, in exchange for a huge amount of supplies.

"All this misappropriated money is someone else's savings...... Aren't you in a hurry? What if there is a massive run in January?"

Amy was really the only person who could discuss these things with Leon, at least she could use words like "run" correctly.

"As long as we continue to grow steadily, we don't have to worry about a run...... It doesn't last long, and people quickly realize that there's no need to carry around so many metal coins, especially if gold coins aren't trusted. Now that there are a lot of silver coins in the bank, I'm going to ask the Noldos to help remint a batch of ......."

The lord said very steadily.

"You're going to ...... You're going to mint coins privately?!"

Amy was startled, and then realized that her volume seemed to be a little high, and quickly lowered her voice.

"No, I'm just going to issue a large credit coin from the Pender Bank, and a small silver coin can be a ten-dinar ......."

Leon picked up a silver coin and laughed, "Enchanted silver coin, easy to carry."

"Enchantment?"

Amy took the silver coin from Leon's hand, and it had an inscription on it with some black metal, presumably the effect of an enchantment that some of the Noldor elves had used to try it.

The texture of the inscription on this silver coin has a shallow shimmer that makes the difference clear at a glance.

The Fenway family's specialty is to craft enchanted gear, and the texture on this coin is similar to that found on the Twilight Knights' plate armor, and the texture is as hard as the plate armor.

"Actually, there is nothing special about the silver coin itself, the special thing is that these inscriptions, and the material used to outline the inscriptions is more special. The Noldos called it Mithril; And humans, call it ebony."