，！

"Solution?" Ke Yin asked directly for the answer.

"Let's start with the easy fix, and that's the issue of trust. This is the hardest for me, but the easiest for Your Majesty. ”

"Because...... Am I God? "The god who exists because of money, of course, has enough acumen to deduce the advantages of development for the method proposed by the magician in front of him.

To put it simply, this approach compensates for some of the inherent shortcomings of coins as an intermediary in transactions. Not only did it expand the concept of 'coins', but it also made it possible for the belief in the goddess of gold coins to spread more widely.

But let's be honest, it doesn't have to be done by the god He. In his perception, the flow of money that used to work in this way was not directly related to him as a god.

However, what is the purpose of this man coming to the door and offering this method, of course, will arouse Ke Yin's suspicions. It's just that He didn't ask for it in the first place.

But if you say that you are the solution to the problem, it seems that you can understand why this human being has found herself.

Lin further explained: "Exactly. If it were me, or if I had found some nobleman, king, or great merchant to do it, everyone but themselves would have the same question, that is, why should I put my money in their treasury in exchange for a small piece of proof. What if the person who received the money does not admit it, or runs away after receiving it? Cultivating enough trust requires careful action over many years. In contrast, your Majesty, if you come forward as a god, this matter is much easier. ”

"What's the difference?" Ke Yin was a little puzzled.

With a flip of his palm, Lin conjured a gold coin in his hand and said, "Your Majesty, I just ask, can the gods use gold coins to trade with each other?" ”

The halfling goddess shook her head as a matter of course. Gold coins are of no use to the gods. Even collecting and rewarding believers did not intend to do that.

Lin smiled: "That's right. Gold coins are useful to us mortals, useless to gods. Through the method I deved, people are required to chant your god's name and pray when depositing or withdrawing coins into or out of their personal accounts. In the process, your strength will grow, and that's what you can get. The coins you collect are really just a matter of keeping them and swapping them back when the depositor needs them. But it is possible for people to be greedy and misappropriate these collected coins without permission. This is the difference that people worry about when man or God comes to do it. ”

The trust problem of banks and other financial institutions seems to no longer exist in the 21st century, and it is also because of the endorsement of official organizations and the support of some financial policies that people consider the convenience of use when they need to open an account and save money, rather than the credibility of a bank.

However, don't look at the behavior of the Swiss bank in World War II, when it refused to hand over the funds from Hitler's Jewish account, and think that the bank is an organization with integrity and is not afraid of power. In reality, how many court orders, or even executive orders, make banks 'in accordance with the law' to infringe on personal property.

If the money in the account is the criminal proceeds of the holder, then whether it is frozen or confiscated, of course, the crime is deserved. But is there really not some parasitic moth in institutions who abuse their power or abuse their power for personal gain?

Therefore, some unfounded people have put forward the idea of 'decentralization' to make the financial instrument of 'money' more pure. To put it bluntly, while avoiding regulation and control, it is also trying to break the old financial order and establish new rules. And because the number of virtual currencies has its design limit, without the possibility of unlimited money printing, the phenomenon of inflation will be greatly suppressed.

The official counterattack cannot resist the general trend of technological progress, just like the strong guns of a ship and the sword and shield of the city wall, which cannot be resisted. At best, it's just procrastination and trying to establish new rules of the game. In contrast, it is the counterattack of capital that is truly deadly.

When financial instruments with high hopes are played into financial commodities, and when it comes to virtual currency, the first thought of everyone is investment and profit, decentralized virtual currency has become a joke. It can't buy groceries in the market, it can't buy cigarettes in the store, and only the criminals are left to launder money. Virtual currency is just a good place for the fourth capital to cut leeks in addition to the stock market, foreign exchange market and futures. Only fools touch!

What if, in addition to its own value, money is not a person or an organization whose central pillar is a god?

Excluding the human manipulation that human greed can bring, under the supervision of the gods, the flow of money operates according to a fixed rule that will not be changed at will by the will of a few. Such a monetary system should be better than the blood-sucking system on the earth that has been changed by demons to the point that normal people cannot understand.

"Well, I kind of understand what you came to me for. So what do you mean by that trigger? Ke Yin continued.

"It's simple. Your Majesty, you see, before this method, everyone could live with coins minted from three precious metals: gold, silver, and copper. Even though there will be some inconveniences, who doesn't come here this way. In this case, a different way of using coins has been proposed, and how many people will abandon the old methods they are used to for no reason and use new methods with complex rules and unfamiliar methods? That's where inducements, or needs, come in. With that said, you can agree. ”

Not only did Co Yin nod, but the others in the temple also nodded mechanically. Lin continued, "To find out who has a need for a new way of using money, you first need to know the differences between the old and new methods. First of all, I would like to emphasize the difference in the way it is used, because the value of the coin itself does not change. Then the biggest difference between the coin being kept by everyone and the custody of your majesty in exchange for a certificate is of course the security and convenience. If you take it on yourself, you may be robbed and pickpocketed; If you bring too much, the weight of the coin can be a great burden. If there is more, there is no way to carry it on the body, it needs to be transported by car, and it also needs more manpower to protect it. And these people need to be paid, and the cost increases invisibly. That's right. ”

Lin waited for everyone to nod their heads again as if teaching students, then took a breath and continued: "Then the people who have a need for a new method for the two advantages of safety and convenience are merchants and those who hold a large amount of coins and have a need to circulate them. The former is easy to settle by telling them that although there is a fee for sending the coins to His Majesty's treasury and registering them in an account owned by them, there is a fee for safekeeping. However, when the amount of money is quite large, the additional manpower and escort costs that must be paid for transportation are absolutely a drop in the bucket. Not to mention the risk of betrayal with the large number of people hired to transport coins and guards. Compared with the two, as long as they are businessmen chasing profits, they all know how to choose. For them, then, the remaining consideration is a matter of convenience. That is, I deposit coins in the temple of the goddess of gold coins in a certain place, so is there a place to withdraw them at my destination? Or, if the person with whom I am trading is willing to transfer the agreed transaction amount directly from one personal account to another under the witness of Your Majesty, you will save the need to withdraw a huge amount of coins from Your Majesty's treasury and hand it over to someone else, or perhaps the other person will turn around and deposit the same money into your treasury, wasting each other's time and energy. ”

Before the establishment of the modern banking system, the East and the West had different trajectories for the operation of money.

The Western world, mainly European, began in Venice, Italy, in the 13th century. In fact, it is a loan shark, and it does not have all the functions of a modern bank.

The Oriental world in my hometown originated in the Tang Dynasty. This is not about lending, but about the remote deposit and withdrawal, or exchange business, that Lin wants to carry out in the miraculous land. In the Song Dynasty, there were Qianzhuang and Jiaozi, the former was related to lending, and the latter was the prototype of paper money. It was only in the Ming and Qing dynasties that there was a ticket number, and a more standardized exchange business was carried out.

This is not to say that there was no usury in my hometown before the Song Dynasty. However, before the advent of money banks, most of the lenders and borrowers were landlords and tenants, and there were no institutions like money banks that operated externally.

In the same way, usury in the Western world did not exist in the thirteenth century. Until then, it was the Church and the aristocracy that carried out the money lending business. And the so-called businessman is bound to have one of two identities, or both.

The route arranged by Lin is actually to take the exchange route of flying money and ticket numbers. The reason why the lending area does not want to get involved is that in addition to the fact that the land itself has its own lending system, the system dominated by the goddess of gold coins and has the financial system that rules the whole area is easy to release a financial monster of the same scale as the earth, or even more ferocious.

Whether it is the aggressiveness brought about by capital or the hell of inflation, a certain cross-border who suffers from it does not want to bring such pain to the natives of another world. Zi said: Do not do to others what you do not want to be done to yourself.

Even as the person who built this financial system, he can stand firmly on the side of vested interests and suck the blood of the whole obsessed land. But...... Does it make sense? Someone doesn't compete for hegemony, and the possibility of letting this monster out and backing itself can be said to be almost 100%!

Someone also wants to sleep soundly and find a way home. Rather than being forced into an endless hell of profit or debt repayment.

I don't know if the halfling woman was aware of some magician's concerns. He pondered the train of thought proposed by Lin, but found no serious flaws, and asked, "The merchant has solved it, but what about the nobles?" ”