Chapter 1478 - Lost Financial Development
What are the benefits of hedge banking in the eyes of the world? sickle
A: You can borrow money.
The relationship of borrowing and lending has existed since the emergence of sociality as a creature of human beings. Because its original intention is a form of mutual assistance and cooperation. Although borrowing money is not a rigid need, if there is, there is always a time when it can be obtained.
In the eyes of people with capital strength, what are the benefits of a hedge bank other than borrowing money?
Answer: Print numbers on paper and spend them as money!
No one will understand too advanced economic theories, or they will not understand them. Who doesn't want to be able to print money and spend money desperately. Compared to opening gold, silver, and copper mines, the cost of printing numbers on paper is almost negligible.
Therefore, for a while, this kind of system was launched in half a set of layered banks, and mushrooms were created in various parts of the country. And it has nothing to do with the first pioneer, which is also because the man put all the rules of the bank he created on the forum for people to see.
Of course, there is no shortage of capable people who get carried away and print money directly on waste paper. People don't look at the zeros on the denomination of banknotes at all, but like bartering, the banknotes are exchanged with people. sickle
However, this situation did not last long, and of course such banks would be spurned. Even the founders have to confront the anger of the depositors because they can't get back the money they have saved. For those who are not yet fully governed by the rule of law, this kind of person usually does not end well.
Since these tiered banks did not have an official identity and were not officially recognized by the goddess of gold coins, they were even more capable of printing the zeros on the banknote denominations in the sky in a short period of time. So they all face the same problem, which is the problem of trust.
It's just that hedge banks that can restrain their urge to print money can take advantage of the goddess of gold coins on their backs, so that most people who get carried away when they see high interest income ignore the possible risks.
Or rather, it's something that is so new that no one is aware of the risks involved. Just looking at the name of the goddess of gold coins, I stupidly believed it.
If you look at the banks that have printed money and printed the sky, they can attract capital in the early days, and this is a clear proof of this.
Although it was not able to completely replace the official bank of the goddess of gold coins, all depositors and funds in the area of influence in the area were transferred from the goddess's bank to the private bank. But the pooled funds are enough for these new bankers to do a lot of things.
What kind of lending money to the poor and helping motivated people start a business is! The first act of the new bankers was to lend money to the local noble lords. sickle
Lending has not yet developed to the level of credit loans, everything is mortgages. The collateral is also not necessarily physical, but can also be certain powers.
And the power in the hands of the lord is the key that can directly affect a region, so the new bankers of the non-goddess system start from this aspect, in fact, they also want to reproduce the game of capital controlling power.
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The people who can do these things are not necessarily the same townspeople who have crossed the crowd. It can be said that after there is a certain amount of money, as long as there is no law or artificial curb, the people who have the money will naturally develop in this direction.
If you don't directly hire soldiers with money, the practice of becoming the boss after overthrowing the lord is too rough, and it is not easy to gain the approval of the superior feudal lord and replace the old lord. These bankers did not directly become bandit leaders, but used more 'civilized' methods to plunder......
It is said that if you are a bandit, you will be a bandit, and if a bandit is civilized, he is not a bandit?
Not to mention those noble lords who have no intention of operating in the territory and only care about their own pleasure when they have money. In fact, there are still many lords who are quite far-sighted, and after they have sufficient funds in their hands, they begin to build bridges and pave roads, thicken city walls, raise cattle and horses, and other infrastructure construction and enrich the people.
Whether it's a strapped cash or a wealthy lord, who would hate having more money in their hands and being able to do more. Even if the money has to be repaid after all, it is not yet the deadline for repayment. sickle
In the past, of course, there was also borrowing behavior. But the lord's borrowing is usually to find his own high-ranking feudal lord, or to go to those colleagues who seem to be wealthy with a shy face. No matter who you are looking for, reaching out and borrowing money from someone is not a glorious thing.
Who has ever met the owner of the money who ran to the door and used all kinds of words to trick people into borrowing money?
Even lords who have no purpose and no intention will be stunned by the vision depicted by various development plans. Then they borrow money that they don't need to borrow, and do things that they don't need or don't use very well.
This has to be in someone's hometown, there is a proper noun: face project or mosquito house.
This kind of development is certainly not the end planned by the brother who designed the set of layer banks. After making certain achievements, he found the goddess of gold coins and proposed a plan for the goddess bank that was all over the world; He also asked for the identity of a voter for himself.
The man's statement was simple. Even the funds he can absorb are probably only one in ten thousand compared to the scope of his influence. There are many people who have learned his methods, but they can't learn it well, and there are a lot of messes.
Since this is a good model that helps those in need, in order to avoid other people who can't learn well from going down the wrong path, it is the best choice for the goddess of gold coins to come forward and control everything. And the question of how to operate is, of course, left to him, the person he knows best. sickle
That doesn't sound like a problem. But if you want to put it in the society before someone crosses over, that is, the local credit cooperatives in turn swallow the state-owned banks, this kind of incredible thing of small shrimp swallowing big whales!
The goddess certainly didn't rush to agree with this vision, which sounded wonderful. She's a god, and even if she doesn't throw evil magic, she can sense whether people are holding good intentions or bad intentions.
Unless this person's acting skills are so good that he can even deceive himself, but the person in front of him is obviously not a talent in this area. The false smile, the exaggerated rhetoric, and the undisguised malice almost burst out of the head.
This has to be placed on a certain Wall Street that passes through the homes of many people, which is called the appearance of successful people. Shrewd, capable, sharp!
It's a pity that this is not the earth. What's even more a pity is that the man is not facing a fat old rich man, but a god!
However, Ke Yin did not directly agree or refuse, and only delayed the matter on the grounds that he wanted to reconsider.
Doing big things is not something that can be done overnight, so that person is not too urgent. sickle
And these news, of course, came from the mouth of the dark elf Mel and entered the ears of the traversal in a certain semi-retreating state. In addition to Inmar's work in the banking system, there is also the meaning that Keyin wants to use her mouth to spread the word.
Ever since someone has abandoned their identity as a voter, one man and one god is like being in a state of cold war, and no one will bow to anyone first. The idea of the goddess of gold coins, no one dares to speculate; However, someone's idea is just unnecessary. Anyway, that short goddess doesn't want to block her account and swallow the money inside, so she can do whatever she needs to do.
Therefore, Mel Jiao, who remained in the banking system, became a bridge of communication between someone and the ancient world tree Fasinas, and at the same time, she also became the messenger of the gold coin goddess Keyin.
On the other hand, this is also what Maier wants to ask. In other words, this is what the relevant forces behind her also want to ask.
Borrow money and collect interest. From the creditor's point of view, there is nothing wrong with making use of your idle funds to make some profits for a period of time.
Especially the savings of the treasury of the elf kingdoms, the business atmosphere of the elf kingdom itself is not warm, and the transaction behavior is more like a gift exchange of favors. This has also caused the kingdom's treasury to accumulate a lot of coins over the years.
One of the few uses of these coins, and the largest of them, is to trade with the human chamber of commerce. In addition, even the elves who are given as a reward for meritorious deeds will be disliked. One can imagine how much money the kingdom has preserved. sickle
In the past, due to the closed nature of the Elven Kingdom, the attitude with the outside world was to communicate as little as possible, so those coins were really of little use except for occasionally melting them down to make works of art.
Now seeing that everyone is borrowing money enthusiastically, and the interest is earned easily, the kings of several elven kingdoms can't sit still.
With the unification of coins as a hub and the exchange of information in the forum, business transactions in the world of Lost Land are becoming more and more frequent. Although the elven kingdom is closed, there are still many things that need to be imported from the outside world.
In the past, the trade volume was not large because of the careful selection of partners and the dare not trust outsiders, which also made their choices less in disguise, and naturally there were not many places to spend money. However, with the double impact of coins and intelligence, the elven kingdom has gradually opened up, and the demand for money is more than in the past. Naturally, some ideas arise.
Lin only gave one response: wait and see.
As for whether those big people listen to him or not, it's none of his business as a pit digger. Explaining everything to others can sometimes lead to more skepticism and distrust.
You don't see those deceived people in my hometown who were admonished by outsiders, and they all kept saying that those scammers were trustworthy, it was impossible to deceive him, and everything was true. The so-called authorities are obsessed, this kind of thing is not limited to the era of rampant fraud in my hometown. sickle
In fact, bank lending is not entirely bad, the focus is on direction and control. Once out of control, you can taste the bitter fruit of the bubble bursting. And wealth will be concentrated in the hands of a few, just like being attracted by a black hole.
Is this avoidable?
Perhaps, but a certain traversal who has been poisoned by capital does not have enough wisdom to think of a good way to avoid it. They will just bury their heads like ostriches, trying to drag things out until they are dead and can't see them.
In fact, the crux of the problem is that the banks in my hometown are for-profit enterprises, not philanthropic enterprises. When the bank 'must' pursue profits, there is a way to pay interest to the bank's depositors, to the bank's employees (fat cats?). When it comes to paychecks, it's hard to control the financial monster of the bank to bare its fangs.
Or rather, banks are elephants, if not fangs. Inadvertently get up and down, and you will trample on some small insects or small animals that do not have a high sense of existence.
Do elephants kill with intent on purpose? No, it's just where the elephant stepped on, and the little things that don't have long eyes don't know how to run away.
But no one has yet realized that the key to fascination is tied to a deity! sickle
In everything, those who can see the long-term trend are geniuses, and those who can see the short-term trends are talents. In this era when talents are deliberately evil and talents are numerous, a certain digger hides in a dark corner and smiles sinisterly, watching the situation change.