Not long ago, the World Tree recalled all Wood Elves. The members of the Turtledove Alliance have completely disappeared from their elven companions, but it has caused a wave of heated discussions and concerns.

The same situation reached the ears of the nobles and magicians. Most of them believe that a new wave of World Tree Wars is about to arise. People with a heart are all gearing up, waiting for a good opportunity to pick up a bargain. Whether it's breaking into the territory of the World Tree and plundering it, or capturing the elves of the defeated army, there are huge coveted benefits.

It's just that unlike what these people imagined, the Wood Elf tribe did enter a state of readiness, but not to attack each other, but to train soldiers. A new form of mobilization tactics that can only be used by the World Tree, around the Flashing Technique.

Mel even had a secret order that if the mage's life was in danger, or if he needed to, he could assemble a wave of at least three large groups of elven alliances within ten minutes. Reinforcements to two corps can be made in half an hour. And there will be no indiscriminate recruits in it, all of them are elven powerhouses who use holy robes and holy bows as standard equipment.

It's just that Mai Erjiao can't bear to complain about his majesty. When there is a danger to life, ten minutes? Half-hour? That's enough time, enough time for the magician to escape to the ends of the earth. And no one can find him. Unless the magician needed the manpower to wage war, Mel didn't think she would use the secret order.

In short, the Wood Elves are now in a state of canceling their travels. In addition to training in the tribe, they also learned new and 'necessary' knowledge. Life is both fulfilling and boring. Fulfillment is because there is little time to relax and catch your breath all day long; The boredom is naturally due to the knowledge and training that I have learned, which is more boring than the daily life of the elves.

However, under the endorsement of that magician, as long as he made a request that required manpower, the twenty wood elf tribes would be a treasure trove of talents to be taken and desired, and even the five elven kingdoms would not have much resistance. At that time, I am not afraid of those elves who are eager to live outside the tribe, and do not come to bother themselves.

Mel was even thinking about what kind of benefits she could get by taking advantage of such opportunities and power. In the past, I couldn't imagine myself staying in the intrigue of the dark elf tribe.

So for the request of the magician in front of her, she, who was the priest of the dark elves, agreed without thinking, and promised to bear it with all her might, without worrying about this magician who was afraid of trouble. It's just that there are some things that Mel has to ask first. "Sir, what should you pay attention to in this banking organization you want to establish?"

Lin thought for a while and said, "The implementation rules and precautions are in Document No. 10. However, the specific plan will depend on how the gold flow network built by Ke Yin and the World Tree will work. Let's find out from that side first. But since you asked, I would like to emphasize one more thing, in the future, banks will never touch the business of lending, that is, lending money to others. I will not be a middleman, helping the rich to connect with the debtor. This is absolutely forbidden. ”

"Eh, you can't borrow money."

Uzov reacted more to the forbidden matters than to Marzie. Noticing that he himself was in the limelight, the president of the Tech Guild explained, "Actually, don't look at the Tech Guild as if the business is very good, in fact, there are many people who need to borrow money. However, they are not in a hurry, but they hope to buy more equipment and recruit more people sooner to expand their business projects. Although there are many people in the holy city who lend money, they have many restrictions, strict requirements, and high interest rates. If borrowing money from the bank was less troublesome, I believe there would be a lot of people who would be in demand. This is also more conducive to the promotion of banks. ”

"The Point Guard Is Here"

It seemed quite reasonable and conducive to economic development and the promotion of banking business, but Lin still shook his head and refused. "From a personal point of view, it seems like a good thing to be able to borrow money from a bank," he explains. Even if the interest rate is a little higher, they believe that the job they receive from the guild can easily repay the debt. But from the point of view of the goddess of gold coins as a whole, it will set her on a different path and become a god who is millions of times more evil than you can imagine. It's hard for me to explain the truth with your current knowledge. I'm not against borrowing, after all, this kind of behavior has been around since the time when money didn't exist. But this kind of thing cannot be carried out in the name of Coin, and the consequences are unimaginable to you. ”

Although someone said it seriously, Uzov is not the kind of person who blindly listens. So after struggling for a while, he still asked, "Sir, can you try to explain?" Let's see if I can understand the downside of this. ”

"Well, okay. I'll pick one drawback that has nothing to do with the overall situation, and you should be able to understand it. First of all, presuppose the position of the two of you, Uzov is a craftsman who needs to borrow money for development, and Maierja is the head of the bank. The position is different, so be it. ”

The two audience members nodded. Lin Cai continued: "And the situation is what you just said about Uzov, craftsmen need to invest upfront in order to make more money. That is, to hire more helpers, buy cars or trucks, and be able to carry more goods and do more in the same time. Of course, you also need to buy the tools you need for your job and the newly hired helpers, which will require money. Instead of relying on the part you have now, you can choose a suitable job and earn not much, but do it slowly and save slowly, and one day you can expand to what you want; It's better to borrow a sum of money, build up the scale at once, and then you can make a lot of money yourself. That's what you think, right? ”

Uzov nodded.

"Then the bank assesses the condition of this craftsman. His craft is very good, he has a wide range of people, and everyone likes this man and is willing to give him the work. In other words, when the craftsman expands his scale, he can take on enough business to make the most of his expanded workload. This means that in the eyes of the bank, the person has the ability to repay the loan in the future, and there is no fear that the money will not be returned after it is lent out. So Maierjiao, you think about it with a general idea, can you borrow this money? ”

"If you can afford to pay it back, why not borrow it. Banks also charge interest. The Dark Elf asked.

"Accept, of course, why not. Borrowing money does not charge interest, and it is not doing charity. Okay, then the bank will lend the money. But in fact, where is the work is smooth sailing. No matter how good the ability is, there are unpredictable circumstances, and it is always possible to encounter some unpredictable things beyond the ability. For example, this craftsman was particularly unlucky, he was attacked by a powerful magical beast during a construction trip, or he was involved in a duel between two powerful magicians. So the unfortunate craftsman lost most of his manpower and all the tools he used to make money. Fortunately, he saved his life and escaped. Isn't that possible? Lin finally asked.

Uzhov nodded and admitted: "It's unlucky, but it's really possible for this kind of thing to happen." There have been many times in the guild, and each time it was everyone who helped to tide over the difficulties. Even more unfortunate was that all the people died, leaving only the orphans and widows of the craftsmen and their families. Sometimes, they can't live without relying on others to help them. It's pathetic. ”

"Well, the craftsman in our example wasn't so unlucky, at least he came back alive. Although there is nothing now, as long as his people are still there and his craftsmanship is still there, there is a chance to make a comeback. So now the problem is, those who followed him but died in an accident need to be compensated by his boss. If you can't complete the work, you still have to find a way to complete it, otherwise you will have to pay liquidated damages. The lost tools and equipment had to be repurchased, and the manpower had to be rerecruited, so he went to the bank to borrow money. So the question is, Maier, do you think you should lend this money? ”

Although he didn't ask himself, Uzhov nodded and said, "Of course ......" The dark elf shook his head, cut off the man's words, and said, "Of course I won't borrow it." ”

"Why!" Uzov asked aloud, mixed with surprise and puzzlement.

Without waiting for someone to explain, Maierja spoke up her thoughts. "Do the banks have their own money? No. So the money that the bank lends is actually the money that someone has in the bank. Since it is someone else's money, it is necessary for the bank to be responsible for it. Because for His Majesty Coin, the most important thing is not the faith of the believers, but the trust of the users of the bank. Because of their trust, they dare to keep their money in the bank. If your money is inexplicably gone, then this layer of trust does not exist. Trust is gone, and no one wants to use the bank. ”

After speaking a big premise, the dark elf looked at Uzov, who was full of doubts, and said, "If something bad happened once, will it happen a second time?" Who dares to guarantee this. But if you look at the gamblers who go to the casino, when they lose their eyes, I think it can explain a lot. So why would I lend money to someone who is desperate and trying to turn over in one fell swoop? Not to mention that he still has outstanding debts. Pay back what you owe first, and then consider how to borrow a second one. Banks must be accountable to the people who keep their money here, but not to the bitter consequences of other people's risk-taking failures. No matter what happens to the craftsman who borrowed the money, the debt owed is to be repaid, this is my attitude. I don't even rule out that before he gets himself to nothing, he will confiscate all the property he can pay off his debts. ”

Uzov's face was rather ugly, but he could not refute what Mary said.

Looking at the arrogant appearance of the dark elf, as well as the attitude of Uzov like a lost dog, Lin sighed and said: "This is what I want to say, 'borrow an umbrella on a sunny day, collect an umbrella on a rainy day'." Banks will not be philanthropy, and if they start to pursue profits, they will become the most hated monsters of oppression by your Ikaruga League. At that time, you will stand in the shoes of the banks and persecute those who have not paid yet; Or put yourself in the shoes of those people, allowing the banks to squander money that doesn't actually belong to the bank, and eventually go bankrupt? ”

"Sir, I'm ......," Uzhov squeezed his voice, but didn't know how to answer.