Chapter 349: Double-edged sword bank

Ying Zheng was taken aback, and immediately said, "Isn't he very rich?" ”

"Of course." Qin An said, "The King of Thailand is recognized as the richest king in the world.

And the reason I tell you so much is because I want to tell you that a country's credibility comes from money.

With money as a guarantee, the country can't die if it wants to. And the bank is the expression of the country's credibility.

As for the role of banks, it is actually in three forms: saving money, withdrawing money, and borrowing money. It is very convenient for merchants.

As we all know, in ancient times, there were many bandits on the road, and it was very unsafe to carry money with them.

However, the emergence of banks completely eliminates this worry, because there is not just one bank, but there are many, and there are banks all over the country, large and small cities, and even towns or wealthy villages.

They keep their money in one bank and withdraw it in another.

For example, in the city you are familiar with, Xianyang City, for example, Xianyang City opened a Daqin Bank, and then opened countless branches. There is only one in Pei County.

A merchant from Pei County deposited 100,000 taels of silver at the branch of Daqin Bank in Pei County, and the branch of Daqin Bank would give him a deposit slip.

This deposit slip is specially made, there is no possibility of fraud, and it has a unique code that needs to be the same as the bank's records before it can be withdrawn.

So you don't have to worry about fraudulent claims at all. ”

"And what if someone inadvertently picks up your check?" Ying Zheng asked.

"Then don't worry." Qin An said, "First, you can go to the bank immediately and freeze your money. No one can claim it right away.

Then you can issue your identification and you will be able to withdraw the money from the bank. ”

Ying Zheng nodded slowly, it turned out that there was such an operation.

Jiang Lu said: "What if, I will use this money immediately?" ”

Qin An smiled and said, "Then even if you are unlucky, or borrow directly from the bank." However, this is very difficult to happen.

Who has so many savings, and they don't keep them well, but they are scattered everywhere, or even lost. ”

"Yes." Jiang Lu said.

Ying Zheng said: "What you just said about rich people, what about people who have no money, or people who have a small number? How do they save money? ”

"Simple." Qin An said, "Give them a passbook, and when they want to deposit and withdraw money, just take the passbook to the bank."

The bank will write the final deposit in your passbook based on the amount you deposit and withdraw each time.

Don't think that you can withdraw money with a passbook, you need a password.

Only by entering the correct password, can you successfully withdraw money, others want to take your existence to withdraw money, must be your authorization, but also need your identity proof, otherwise even if you know the password you can't get out.

So if you lose your passbook, you don't have to worry too much because no one will be able to get your identification, except for yourself. ”

"It's so troublesome, it's better to just put the money at home and use it as you go." Jiang Lu said.

Qin An smiled and said, "Then I'll tell you, will there be interest on saving money, and whether you can save it or not." ”

"Interest?" Jiang Lu was stunned, "You can actually get interest, there is such a good thing in the world?" ”

Qin An smiled: "Of course, the bank's interest is generally 10,000 wen a day for you, and 30 wen a month, do you save it?" ”

"Then if I save 10 million texts, won't I have 300,000 texts a month?"

"That's right."

"The bank gives interest to people, so how can he make money?" Ying Zheng asked.

Although he was shocked by the interest, he still had some doubts in his heart.

Ying Zheng smiled and said, "Invest and lend money to others." The first is investment, because banks have a lot of cash, they can invest in the stock market, they can invest in real estate, they can invest in any business that can make money.

The interest rate for borrowing money to people is also four percent, that is, borrowing 10,000 yuan, and changing it for 120 yuan a month.

Of course, each bank has its own interest, and I'm just making an analogy, anyway, the interest on the borrowed is definitely higher than the interest on the deposit. ”

So it turned out that Ying Zheng and others suddenly realized that although they didn't understand what real estate and the stock market meant, they knew what investment meant, anyway, what to make money and invest in what.

And the bank is better to be state-owned, that is, state-owned, and the risk is very high if it is private.

If that person goes bankrupt, doesn't it mean that the bank fails, and the user who deposited the money will be lost.

In the end, the state wants to dispose of this bank boss, it is useless, and the losses of the people are done. It will stir up public indignation.

So the bank is also a double-edged sword, and until he has credibility, the bank can bring endless benefits to the country.

Once its credibility collapses and no one believes in it, then the country is finished.

There was a country that was sniped by a group of businessmen, and a few months later, the country was dissolved, and there was no more such a country in the world. ”

"Do businessmen have so much power?" Ying Zheng said in a deep voice.

"Merchants don't have that power, they have money in their hands." Qin An said, "They are truly rich and rival the country, and one person has more money than the imperial court." ”33

"Bastard." Ying Zheng said angrily, "Isn't there anyone to restrain this group of merchants? ”

"Restrictions?" Qin An couldn't help but laugh, "If you restrict it, the country will not progress, and if the country does not progress, you will be beaten."

And the country can dominate the world and influence the economy of the world by relying on this group of businessmen, and can make a country bow to you at any time.

As soon as you restrict these businessmen, believe it or not, they will immediately leave your country, take all the money with them, and then snipe at your country, make you inflationary, and make your country's money worthless.

People don't have jobs, they don't have money if they don't have income, they can't buy food and daily necessities without money, and you can imagine the end result. ”

"Is it that important to be a businessman? Is it more important than peasants, workers, officials? Ying Zheng asked again.

"You can't say that." Qin An said, "Businessmen are rich, and they also need the state to support him, the state wants to control these businessmen, and must not let this group of businessmen do things that harm the country, once they appear, then directly wipe them out."

Erasure does not mean killing, but defeating him commercially and completely turning his assets into zero. Simply put, he has no money.

And the bank is the best tool of the country, no matter how rich an individual is, can he compare with the bank with money? Banks are state-owned. ”

"So how do you use the bank?" "For example, if someone manipulates food and raises the price of food to an unprecedented price, the people can't afford it.

What can banks do to resolve the matter? ”

Some people died, but not completely......