Every day, Kirimi will report to Mrs. Ogiri, the latest developments in Sunset City every day. Mrs. Ogiri will also listen attentively. It's just that the most recent news is neither the market for strange things, nor the invention and creation, but the matter of a boy she cares about, which makes Mrs. Okiri's color change.

"Banks, money banks...... Oh, is this the career of Lichuan's son? ”

Mrs. Tail raised her eyebrows, her lips opened slightly, and she looked at Kirishi:

"Tell me more."

She was lying in the study where Gu Chuan had come that day in coffin clothes.

Tong Shi said yes, and then talked in detail about the collective rules and regulations made by Gu Chuan, the uniforms he made, the tuition fees for apprentices he recruited when he first started, and the labor dispatch mechanism for apprentices he used, and then talked about the popularity of bicycles, and also talked about the bank logo on bicycles and apprentice uniforms. The combination of uniforms and logos promotes the Kawasui Bank as a means of advertising that has never been seen before in Sunset City. She also talked about the existence of interest deposits, a novelty that made Kirimi think deeply, and naturally talked about the building they were renovating.

"This kind of money-keeping service with interest, I see a lot of businessmen who are ready to do it. I've talked to some equipment suppliers who have tried to save and take out, and they've tried several times. But something strange happened today, the ginger sheep businessman who worked with Xiao Chuan said to the public that they supported another business of this bank, which is what it meant. ”

It was difficult for Kirimi to explain, so he made a comparison.

"Suppose someone buys something from a ginger merchant, they can do without a chameleon coin, just with a certificate issued by the First Bank. The voucher represents the money, and the ginger sheep merchant can withdraw money from the bank with the voucher. Vice versa. Selling things to ginger sheep merchants can also choose the practice of vouchers. ”

The concave face merchant's real name is Jiang Yang.

Mrs. Ogiri understood when she heard this.

"This is the simplification of the currency that the Council has been pursuing...... The council will solve the anti-counterfeiting practice, but it has not yet done so due to concerns about the impact on society. How did Lichuan's son solve it? ”

"They bought two strange things that were originally considered useless in the Strange Things Trading Market of the Deep Earth Family, and maybe those two strange things were used for anti-counterfeiting functions."

Kirimi said.

"It's just that the specific situation is not clear, and they haven't announced it, and some people use fake vouchers to deceive, but they are driven out at a glance."

Mrs. Oki sat in her place, and while listening, she stretched out her white and flawless hand, and her beautiful nails that showed flesh color lightly touched her cheeks, and she looked at the ceiling where there was nothing, and said lightly:

"It's also interesting, the popularity of new things is always rapid...... Its death is also sudden, and its rise is also vigorous. ”

"Are these your words? Madam. ”

Kirimi blinked.

Mrs. Oki stretched her waist and said with a smile:

"That's what Lichuan told me at the beginning."

With that, she closed her eyes and went to rest.

All the great changes in history may have their origins in some small corners.

And all these changes are only momentary in the trend of history and the macro of the world. It's just that now, it's changing with each passing day.

The concave face merchant has little power in the inner city, but it is not small, and if you want to pull down your face and find relatives and friends, you can also release energy to gain support. The breakthrough of rubber tire technology is not difficult, but it is easy to break.

But in this era, the damage is damaged, and there is no competition, that is, it is not easy to ride, and you can earn a repair fee.

When a bicycle factory of sufficient scale was established, the production of real bicycles gradually benefited the citizens of the outer city, so that there were always days on the streets, and the crowd could see the children of citizens riding bicycles through the streets and alleys. These cars will become the center of attention, and even the citizens in the carriages will lift the curtain and stare at the two wheels in the distance.

The collection of craftsmen leads to the further progress and refinement of technology. The scenery of bicycles in this era is infinite, just like the sixties of his motherland that Gu Chuan knows, and the foot is passed on by word of mouth. As soon as the people in that district saw who had a bicycle, they would say that this thing was not ordinary, and that a citizen had bought a bicycle.

The brilliance of bicycles will naturally promote the brilliance of people, and the concave businessmen who love to show their faces and Rizhao Village, which invented bicycles, are in the limelight for a while.

Originally, when the contract was signed, Gu Chuan's face had already leaked out, but the concave businessman clarified slightly, which made everyone's eyes shift to Rizhao Village, thinking that it was a bicycle collectively invented by Rizhao Village.

I don't know which young man from Rizhao Village leaked the news, and the gossip outside the city began to circulate, and the bicycle was actually invented by the young man with black hair and black eyes.

"They all said that you might just be old enough to go to the field and farm, which is amazing."

The concave merchant sighed.

His son was not angry, he was obsessed with gambling, and he wandered in the flower fields, so that the concave face merchant would not give him a penny. The concave-faced businessman occasionally said that it would be nice if he had a child like Gu Chuan.

Gu Chuan just pouted, not too interested in this kind of talk.

The concave-faced businessman also said that he originally lived in Xiahuai District, but with his current strength, he could book a place in Shanghuai District in just a few solar terms.

"Only when you enter Shanghuai District can you be regarded as entering the real power circle of Sunset City."

Gu Chuan thought for a moment and asked again:

"I have one more thing to ask you."

"Say it."

The concave face merchant was in a good mood and very refreshing.

At that time, some of the original theoretical concepts of commercial banking and monetary knowledge, which Gu Chuan specially taught his apprentices, had already become popular in Sunset City. What kind of inflation, the matter of currency storage, is called the streets and alleys, so that from the old man who is dying, to the child who does not know the world, it must be discussed.

As long as civilization exists and materials are scarce, money representing the circulation of resources will always be one of the core themes that everyone cares about the most.

What is this bank?

And how does this deposit work? Why do you keep money and still receive interest from that person?

You must know that the original currency custodians all want to collect money!

Why do the labor dispatch teams of banks dressed in pale yellow say that if they hold money in their hands, it will naturally depreciate due to inflation, and why can banks that pay interest on deposits make money?

So a moment of wonder.

In order to maintain the current bookkeeping capacity of the bank, Gu Chuan was forced to choose to limit the abuse of personal services.

There are too many people who make deposits and withdraw small amounts immediately, and new regulations have been forced to limit the amount of deposits that cannot be withdrawn on the same day.

This is the difference between a business for the general public and a business for a businessman, family, or business.

These rules make smart people understand the limits of the ability of this custodian of the currency. But the more consciousness passed, the more little mysteries hovered over the heads of the curious, until that day, the man whom the people always jokingly called the concave face merchant announced another news together with the inventor of the bicycle:

"The bicycle million joint venture that caused a sensation in Sunset City that day was actually a mortgage between me and the bank. I pledged half of the project's shares for a loan in exchange for a million-dollar investment from the bank. Because of the pledged loan, the bank is also the actual shareholder of the bicycle and enjoys half of the equity. But I theoretically have carte blanche to buy back in batches at a predetermined price and interest over the next 10 years. ”

Gu Chuan and the concave-faced merchant announced many details in the terms in detail.

And on the same day, the concave businessman said that because the funds focused on the development of bicycles, he would give up the recovery of part of the shares, and the bank would have the ability to dispose of this part of the equity.

This part of the stock is about ten percent, that is, twenty pieces, according to the price they originally quoted at the notary, this stock bond is worth 200,000! Each one is worth more than ten thousand.

And with the interest on the loan, it is worth a total of 300,000 yuan.

"How much do you think you'll be able to shoot in the end?"

Gu Chuan asked the concave-faced merchant with a smile.

The concave-faced merchant was silent:

"The factory we have built, the current scale is total, and I have invested hundreds of thousands."

Gu Chuan was silent, only the concave face of the merchant became more and more strange, and as the auction coupons were sold one after another, he was gradually excited to the point of turning red and purple, and finally sat back in his position stiffly.

In the end, the transaction price of each stock was more than 30,000 yuan. The highest one was taken away by 100,000 yuan, and the lowest one also had 30,000 color-changing stone coins.

At that time, Gu Chuan and the concave-faced businessman were sitting behind the scenes.

The concave-faced merchant pursed his lips and questioned Gu Chuandao:

"Is that why we don't have a million, but we have to price it to a million?"

Assuming that 10 percent can sell 600,000 yuan, then all the shares are enough to sell 6 million, which is three times the original 2 million.

"Because we're selling the future! What's more, with a million as the base, people will start thinking about a million. How do they know how much money you've put in, and how do they know the technical value and brand of the bike? ”

Gu Chuan asked the concave-faced businessman rhetorically.

"I think it's cheaper, maybe bicycles will be like the buildings of the Round Tower family, and they will form a monopoly on Sunset City's transportation, of course, according to the value of the 'future'."

This transaction eases the bank's current cash flow strain.

It was then discovered that the bicycles that blew the winds in Sunset City were closely related to the "commercial bank", which secretly controlled the property of the concave merchant in the form of a percentage. In this way, the most ambitious people gradually understand how the banking infrastructure works.

Absorb deposits, and then lend to businessmen or enterprises, and make interest funds from them, which will feed back their own deposit business.

It turns out that it's still a pawn!

But another question soon followed:

"Why does this bank promote transactions using vouchers in addition to direct withdrawals?"

The transfer of money is not actually the transfer of a chameleon coin from one person's hand to another's hand, but rather the delivery of a voucher representing money from one person's hand to another's hand.

After parting ways with Mr. De for a solar term, Gu Chuan walked on the pavement of the bank building with the concave-faced businessman. The concave-faced merchant asked the question with a suspicious face.

Gu Chuan replied:

"That's a problem in another dimension."

The concave-faced merchant was not satisfied with this answer, he had a cold face, and always felt that there were still many things hidden in the heart of this little ghost beside him, and there must be fraud.

"Mainly to promote their own business, we have done several big shows, but there are still very few people who are willing to deposit in my bank, and there are still very few people who are willing to use our vouchers for remote transactions, and the branch cannot be promoted."

Gu Chuan said calmly.

Of course, he did not dare to say the real reason for this, because it involved the difference between double-entry accounting and single-entry accounting, and also related to the deeper connection between banks and monetary policy.

In the future, this connection will only be the basis of economic and financial research, and in this era, I am afraid that few people can see through it at a glance.

It's very simple.

For example, suppose there is only one bank in society, and everyone keeps their money in the bank.

The bank lends customer A ten dollars. Customer A buys customer B's supplies with the 10 yuan. Customer B also used the bank, so he deposited the 10 yuan in the bank again.

If they are still using UnionPay for online transactions, the money has never even been withdrawn, but has been deposited from one bank account to another.

So here's the problem?

Can the bank lend out the money deposited by customer B, even if the money is traced back to the source, but customer A actually borrowed it from the bank?

Then, we repeat the process 10,000 times, and we will find that the ten dollars were lent to 10,000 people at the same time, and then deposited back into the bank by another 10,000 people.

Then the process of customer A to customer B is omitted.

Customer A directly deposited the 10 yuan back.

That's also a new deposit, which can also be loaned out.

This is known as double-entry accounting, where the money lent out and the money deposited are calculated independently. Even if the money you deposit is the money you lend out, it is still counted independently.

This is the most terrifying dominance of the formed banks over financial activities.

Therefore, this secret must be hidden in the heart before it can complete its collusion with the political center of Sunset City.

"You said you're here to see how strange things work, so don't talk about these boring things."

Gu Chuan's face was indifferent, just as if everything was ordinary, and he smiled and walked with the concave-faced businessman to the basement of the bank building.

On the first floor, apprentices in bank uniforms greeted them and hurried out from under them with their new papers. Gu Chuan also said hello one by one, and asked if their cafeteria was delicious?

The concave merchant heard them all say yes.

"Xiao En Xiaohui, you have also made a good appearance."

Concave face merchant reviews.

"Xiaoyi can see the truth, if he can't even do it in the canteen, he won't be able to work."

Gu Chuan smiled and shook his head.

And the basement is full of people from Rizhao Village. The river bank beckoned to Gu Chuan. They are strictly regulating the use of exotic objects.

The two strange things that Gu Chuan dragged and concave faces that the merchant bought were here.

The clean cast iron dragged up a small lens, and the fine paper was attached to the back of the lens. There was also a lamp next to the lens, which illuminated the cramped room very brightly.

"I remember, this is a strange thing, a translucent lens."

The concave-faced merchant sat across from the lens, and as soon as the light shone, he saw that his face was completely etched on the opposite piece of paper, which became his "passbook photo".

With the use of strange objects, it is possible to create an effect that is close to that of a photograph.

"Is that how you use it? Creating a black and white portrait that can almost be fake? ”

The concave-faced merchant turned his head in amazement.

In the past, this lens was often used as a strange object for self-defense, and its main function was to concentrate light to form local overheating, and it also had the ability to kill ordinary people.

Gu Chuan took down the paper and handed it to the concave-faced merchant.

"What about the other strange thing, the inkstone? The function of this strange thing is also strange, it is to make the ink pill ground on it turn blue, and it was once rumored by alchemists to have the effect of immortality, in fact, most of the people who drank the blue ink died early. So the boasting alchemists were killed, and the inkstone platform became a relic of chicken ribs, and there was no use for it. ”

The concave merchant asked.

Gu Chuan said:

"You put this piece of paper in bright light."

The concave-faced merchant suspiciously lifted the paper and placed it in the bright light, and saw that the middle of the originally beige paper suddenly appeared blue.

"This ......"

He grew his mouth and stood up in surprise, nearly knocking the glow tree lamp off.

"This is the blue ink of the inkstone."

"It is also a natural blue core that can be used for anti-counterfeiting and tear-proof."

Gu Chuan added calmly.

"I've been thinking that all the wonders in this world might be useful."

"Even my always-pointing needle?" The concave merchant smiled.

Gu Chuan's eyes were bright, and he strode in the light, and when he looked back, he suddenly reminded the concave-faced merchant of the review of the wolf-like creature in the forest when he escaped death in the wild:

"I think so, it's just that people don't notice it yet."

These were the two oddities he initially bought with his money.

And if I want to see more strange things, I need more money.