"Custodian of Currency...... What does that mean? Ogawa. ”

The riverbank didn't understand.

"Will anyone take the initiative to give their money to someone else for safekeeping?"

Most of the others didn't understand and looked at each other with bewilderment.

"There's a big doorway here! First of all, let me ask you where you feel most at ease with your wealth. ”

This...... This is a distant but serious question for children. Because money is irreplaceable in this society, protecting one's money will be a matter of concern to every person in society.

During the solar term, the children of Rizhao Village did not owe any debt. Yuhua saved some money, but the river bank didn't make any money.

More or less, since you have accumulated wealth, you naturally need to keep it.

Gu Chuan said:

"It turned out that in Rizhao Village, our parents hid money and valuable items in the cellar and dug them up when necessary, which was very safe. But have you thought about it? In such a city with so many people and complexity, how to hide money? We live in this little house, and a lot of people live in the same cramped room. Very few people in Sunset City can afford to have a piece of private land to bury their money. ”

In fact, it is not safe to hide in the ground. Gu Chuan has always suspected that the people of Rizhao Village still use the cemetery as a place to hide money. He often saw several adults walking back and forth.

According to Gu Chuan's historical knowledge, he also knew that in ancient times, there would be people who would put the precious Dong XZ into the dung pit. As the saying goes, the smelliest and most unseen place is the safest place! It is said that the famous stepmother Wu Ding was once hidden under the dung pit.

At that time, Shan Tao touched his single clothes and said:

"You can sew it into your clothes! Brother Chuan. ”

Shan Tao is a careful girl who has saved a small fortune. She sewed that little savings into her clothes, and every day she got up in the morning and came back in the evening, she had to pinch her clothes again, counting whether there was one or two pieces missing. In the evening, she would additionally check her clothes for any torn spots.

She rested on her lap and pinched the tip of her dress, not so cute.

When Gu Chuan heard this, he couldn't help but laugh, revealing his white teeth:

"It's a lot of money! Yama peach! If you had a little more money, would you sew your own clothes into a gold-threaded garment? ”

In the world that Gu Chuan knew, where the online payment was imperfect, there were also people who would hide cash in their clothes, but the cash they sewed was already a large denomination of paper money. And in this era, people are still using primitive metal money.

At this time, the river bank spoke:

"I know that, Ogawa. Can be hidden in walls or jars. ”

Gu Chuan said in this regard:

"There's not much to hide in the jar. And the walls have a similar problem. It's all a place where ordinary people hide their money. But have you ever wondered where the vast wealth of the concave merchant is hidden? ”

"Hide in your own home, right?"

The riverbank general guessed suspiciously.

Sure enough, Gu Chuan shook his head:

"Don't forget, the concave merchant is going out for business a lot! If he is away from home for a long time, the risk of theft is even greater! What's more, with the continuous over-issuance of Sunset City's currency, the problem of currency storage will become more and more serious, so is there a better demand for storing currency? ”

"Currency over-issuance ......"

Yuhua muttered.

This is another concept that the teenagers in Rizhao Village feel a headache.

When Gu Chuan was about to consider the explanation of the sentence, Qinglu, who was sitting in the corner, spoke timidly:

"I remember Chuan ...... Brother Ogawa said...... Money is not born, it is man-made. ”

This is the concept he once talked to the young people of Rizhao Village.

Qinglu tied a single ponytail, and after finishing speaking, she lowered her head shyly.

"Yes, Qinglu is right, exactly." Gu Chuan said, "Therefore, think about it, if you have more money, it will be easier for you to make money, and it will be easier for you to buy things?" ”

Everyone was speechless, and their minds were drowsy.

The answer is no. The price of the product will increase. Actually, Uncle Carpenter also said that things in the city have become much more expensive. ”

"Getting expensive is getting more expensive...... But Xiaochuan, we didn't make money any easier, did we? ”

Riverbank said sullenly.

Everyone agreed.

This is a kind of intuition of people, and it is difficult for Gu Chuan to explain and refute, so he has to laugh awkwardly. He rolled his eyes and thought of a better explanation:

"But the money is printed by the mint. You can think of money as a commodity. Pebbles say that things are rare and expensive, so when there is more currency, the currency is not valuable, and when there is less currency, the currency is not valuable. ”

"That's true."

Several young people nodded their heads when they thought about it.

"That's the second point. Currencies are getting bigger. As long as Sunset City's mints continue to mint, the number of chameleon coins will continue to increase, and that's another opportunity for currency custodians to have a great future! And the third opportunity is even more critical. ”

Gu Chuan.

"As you may have all noticed, there are many types of currency circulating in Sunset City...... There are many different colors of color-changing stone coins. The council was not capable of prohibiting the circulation of a certain currency, so when we arrived at the agency, the man's apprentice was checking the fineness of the chameleonite currency given by the pebble's father. ”

"I know that."

Pebble spoke.

"You know, indeed, jewelers use color-changing stones, so tell me about it."

Gu Chuan said with a smile.

Just like jewelry with gold, color-changing stones are also involved in the making of jewelry.

Pebble coughed, told himself to calm down, and then unhurriedly stated a series of statements about the nature of the color-changing stone:

Color change stone is a special metal in this world, which will show different colors at different temperatures.

This property reminded Gu Chuan of gemstones with a color-changing effect for a while. But these gemstones are also caused by light waves. He hadn't heard of a metal like a color-changing stone that changed color due to changes in ambient temperature.

The second property of color change stone is that after it rises to hundreds of degrees and turns black, it will heat up and melt at an abnormal rate, turning into a black liquid. At this time, the chameleon liquid is fully malleable and variable, and solidifies very quickly, making it very convenient for minting money. At the same time, the color-changing nature of the color-changing stone is destined to require the color-changing stone component to be forged, and the industrial and collectible value of the stone itself, so after Sunset City multiplied and grew, the color-changing stone was melted to mint coins.

"To mint money privately is to make money yourself. Among the participants are small workshops in the outer cities of Sunset City, as well as riverside villages far from Sunset City, where the private coinage is the worst. The fineness of privately minted coins varies, and some use very little color-changing stone, doped with counterfeit gold or tin clay to make up for their weight and appearance. Some currencies look almost fake, while others look problematic at first glance. ”

"Isn't there a risk in doing this?"

Riverbank was puzzled.

If there is no risk, the riverbank has an idea.

"How could it not be? Of course! "Pebble Road," will be killed. We are here in Pingling District. Further outer, in the Chuqiu district, there was a criminal code, and the smugglers were hanged in public. Once discovered by the guards, a rope thicker than your arm will be tied around your neck by the guards, and then you will be suspended in the air, slowly and little by little, until your neck and skin are twisted, broken, and broken. And then...... The bones in your neck will be completely broken, and your head will be separated from your body. ”

The riverbank directly listened to the green face.

"You don't have to describe it that clearly."

"But the money has already flowed into the market, and the law can't kill all the people who use the privately minted currency, isn't that true?"

Gu Chuan took over the conversation and said.

"I've heard that in the early days of Sunset City, those who traded privately minted coins were punished with the same punishment as the minters." "But there were too many innocent people, and there were also citizens who unknowingly used private coins to trade, and in the end, they couldn't control it." If you get to the outside of Sunset City, no one can control it. ”

Not to mention this era, even in the twenty-first century, which Gu Chuan is familiar with, there will occasionally be offline fake money.

"Therefore, in order to distinguish between real money and fake money, and the value of different currencies, it is necessary to give birth to currency identifiers and exchangers."

Gu Chuan said.

This is the area that young people know.

Identifiers distinguish the components of currencies. The exchanger, which they have rarely encountered - because there is no money of all kinds to go to the exchanger step - but they have heard of it, it is the merchant who exchanges different kinds of currency.

In the folk of Sunset City, there is such a set of formulas: one yuan for three parties, and six cents and six sand shells. The circle and the square are the shapes of the two currencies, and it is said that one round coin can be exchanged for three square coins. The dime and the sand shell are the feeling of the outer edge of the two currencies, the former is hairy, and the latter is like a grain of sand. Dimes can be exchanged for six sand shell coins.

It's a rough pattern, and children haven't had the opportunity to practice it yet.

"So what do you think will happen after the birth of money changers? What kind of difficulties does the money changer encounter and what will they start doing? ”

Gu Chuan asked.

"Hmm, Sunset City banned it even more, and then collect and remint the currency?"

This is the pebble of the speech.

"The exchanger will not be bored, just secretly deduct a little, and then if there is a problem with the exchange, you can ...... it A book of ten thousand profits! ”

This is the association of the river bank today.

Gu Chuan couldn't help but smile:

"The current money changers also have fees, but you are talking about secretly charging fees in private."

It's a matter of trust.

"Isn't Sunset City looking to issue a paper currency...... Then the original money changers will not be defeated. ”

Qinglu said timidly.

Gu Chuan praised this:

"Yes, Sunset City is looking for a way. They want to issue a banknote, but can they stamp it without being counterfeited? How many more years will it take them, how will they move forward with paper money for metal money? ”

When Qinglu heard this, her face immediately turned red, and she said in a voice:

"It does ......"

At first, the young man still had a reverence for Sunset City, but the longer he lived, the weaker this awe became. They're discovering that there's nothing remarkable about Sunset City.

At this time, Yuhua had an idea. Under the flickering glowing tree light, the girl's face loomed, and she whispered:

"Brother Chuan, if you take out these two points and tell us, you must not be isolated from these two points...... Do you mean that the money changer will gradually develop into the custodian of the currency, that is, ...... What are you talking about banks? That is, someone who keeps money for someone else. ”

Gu Chuan smiled gently:

"Exactly. It's a natural process. In the exchange of money, money tends to be hoarded in large quantities in the hands of currency custodians. For example, if a caravan of concave merchants wants to travel through the countless villages around Sunset City, does it need to store the money in a credible place? However, the concave-faced merchant has to travel around the village, almost two solar terms, these times, whether the money is not, he can't take it out. ”

At this point, the riverbank, the pebbles, the peaches, the rain flowers, and the dew all felt as if they were about to pierce a layer of window paper, and realized some deeper, intense means.

"Then, we can use the money to make money!"

He'an shouted in surprise, but was covered by Pebble and Gu Chuan's mouth.

He struggled a few times first, and Gu Chuan said in his ear that the partition wall had ears, and the riverbank immediately had a cold head, so he didn't dare to say it again.

And Gu Chuan let go and said calmly:

"In this way, we go back to what we said earlier. If someone else keeps their money with us, they may not use it, not for a short time or even for a long time. Then can we use the money that others have deposited with us to lend a sum of money and invest in a business? This can be a short-term loan with a high interest rate, which allows ...... Someone else owes us more money? ”

When it comes to this step, it has already exceeded the bottom line of the children's original ideas.

The horror of this made Qinglu frown.

And the other people looked at each other, only to feel that the empty glove white wolf that Gu Chuan said had already exceeded their imagination.

"It's not a panacea." Riverbank bit his lip, "This currency custodian is just making something out of nothing!" ”

"No, it's not out of nowhere."

The young man said:

"It's just a basic concept of banking."

There is no doubt that when it comes to making money, the first thing that comes to his mind is the bank.

It is true that the steam engine can change the times, and Mendelian genetic research can benefit all generations, but after all, it is not as good as the concept of the bank, which can converge infinite capital in the meantime.

And even more than that...... Know that banks are where money is kept. To use an analogy, the lender lends the money to the bank and deposits it in the bank. So can the bank lend the money again?

But this is too far for the people of Rizhao Village.

"But...... But ......"

Yuhua pursed her lips.

"Brother Chuan...... Why should we let someone else keep their money with us? ”

This question poured a basin of cold water on the children's fiery heads.

Not to mention this group of children, even if you add the adults in Rizhao Village, they may not be as big as a family in Sunset City. Their strength was too thin, and it was weak compared to Sunset City's existing forces.

Who knew that Gu Chuan was not in a hurry, but pouted with a confident smile:

"Yuhua, have you seen the current money changers and the rudiments of currency custodians?"

Yuhua shrank back, shook her head, and said:

"Brother Chuan, I don't have any money, and I haven't been to those places, I don't know."

At that time, the sky in Sunset City had passed its darkest hour, and the clouds that covered the sky and the earth were gradually dissipating. Then the eternal sunset, hidden behind the clouds, will also shine happily, like the rising sun.

It was the time when the East was about to turn white, and the thin light shone dimly through the curtains, illuminating the well-proportioned silhouette of the young men's bodies.

For some reason, the teenagers felt as if they had gone back to their childhood years ago. Then they gathered around the fellow in the meadow of the field, and heard him say things that the adults could not say:

"It's simple. These exchangers and custodians have the characteristic that they charge a fee for the exchange and custody of their currency. ”

Yuhua saw that his eyes were bright, and in this twilight, he looked like both a legendary saint and a ...... When I was a child, my parents intimidated the demons they would talk about when they went to sleep.

For some reason, fear suddenly rose in her heart, and with a strange excitement, she heard him say calmly:

"We don't charge a fee, and even we give money and give 'interest' to those who deposit in our bank."

No matter what the era, there are always people who are fearless because of greed, and ecstatic when they see small profits.

"It's just that, at the beginning, we needed to change our approach."

He said.