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After a beautiful sleep, Wang Qinian took Agatha out.

Agatha, who was at the end of Luo Li's period, yawned while being held by Wang Qinian and went out of the door, looking obedient and unusually obedient.

They were accompanied by four of their own guards, and sixteen of the guards arranged by Philip.

No way, Proton's life is like this, the guards arranged by Asturias are ostensibly to protect Agatha, but they also need to keep track of her whereabouts at all times.

Wang Qinian took Agatha and asked the guards for directions, and the first place to go was not the Academy of Magic, but the Third District, where the branch of the Franklin Bank in St. Quentin was located.

When you arrive at the entrance of the branch, it is a small building, but it has a different decoration from ordinary shops, and it looks low-key and unassuming, and it is not as dazzling as the bank in Liberty City.

This is because the purpose of the branch deposit zài, for the time being, was to help the merchants of the city of Saint-Quentin who were going to the city of liberty to do business deal with the money exchange between the two cities, and its main service was to the merchants, especially after the birth of the bill of exchange.

Unlike the head office in Liberty City, where you have to absorb the savings of the citizens and then find a way to lend them to others to make a profit.

In this way, however, the branch is closer to the coin-for-money merchants of the pre-Franklin Bank than to the new type of bank.

Wang Qinian came here to change this, before he came, since Franklin had entrusted him with all the business of the branch here, of course he could have the power to expand the branch here.

He and Agatha were alone here, and if the branch was to be exhibited, it would be more or less helpful, and it could be called urgently if money was needed, after all, the Free City was too far away.

In Wang Qinian's heart, there is a more long-term plan, which has not been told to anyone, and the branch is also a part of it.

And now the free city should also be able to support the branch exhibition, at least there is no problem in supporting the branch in St. Quentine, the magic apprentice who graduated from the city's magic school or can't finish the school, if the magic qualification is not enough or the wealth is not enough to support magic research, you can use your knowledge to join the Franklin Bank.

Wang Qinian was received by the current head of the St. Quentin branch, a wild mage-turned-magician Worsley.

He knew Wang Qinian, and before he was sent to the branch to take charge, Wang Qinian also trained him in banking business.

However, he was still cautious about asking Wang Qinian to show the proof of taking over the business, and Wang Qinian showed him the letter with the imprint of Franklin and Chris's secret method, which was written on special paper.

The material of this paper is the raw material for the contract used to write the magic contract, and the blank contract of a magic contract requires multiple magic processing, and the more powerful the magic contract, the more times it is processed.

Although this kind of paper has not been truly magically processed, so it cannot have the same curse or mystical binding force as a magic contract, but because the material is far superior to ordinary paper, the arcane sigil can be stored on it for many years.

It is this paper that is used for money orders, which rely on the esoteric imprint on them to prevent forgery.

All Franklin Bank bills are prepared in advance at the head office in the prescribed format with this medium paper, and then affixed to the Franklin or Chris's secret imprint in a conspicuous place, and the blank bills are numbered, and the number of blank bills received by the branch each time must be recorded and checked.

When the branch uses the bill, it must also leave the secret imprint of the person in charge of the branch on the bill, and the head office of the Free City or the branch of Tugenhaben will verify it on the other side, and identify and compare it with the secret imprint left by itself, and it will only take effect after it is verified.

For example, the main purpose here is to help merchants who are about to go to the Free City to deal with money exchanges, a businessman who intends to go to the Free City can deposit money at the branch of the City of Saint-Quentin, and then issue a bill of exchange, and then go to the Free City, and easily get money from the city, which is very convenient.

As for the bank, as soon as the bill of exchange is received and cashed immediately, it must immediately send someone from the Free City to the City of Saint-Quentin to deal with it, that is, after the reconciliation is completed, the bank will leave the currency within the prescribed limit to the branch according to the Bank's requirements, and the currency out of the limit will be transferred back to the Bank in the Free City by the compiler.

There is also a basement structure in the St. Quentin branch, but the safety factor of this place is definitely not comparable to that of the city, and it is only a mage like Worsley who has not yet broken through to the middle level.

So there won't be much money left here, just keep it within a certain limit, and use it to prepare for the payment of a small amount of money that is required from the Free City to be transferred back to the City of San Quentin, and in general, a large amount of money flows from the City of San Quentin to the City of Libre, where it becomes a variety of goods or is deposited in the Bank of the Free City.

In this way, it can be said that the Saint-Quentin branch is actually only a branch with the name of the branch, but it can only perform a limited function, and does not really fulfill all the functions of the branch.

This was also unavoidable, initially due to the limited staffing of the Franklin Bank, and then as the School of Magic was able to gradually replenish its staff, it was still at great risk.

For example, after the war broke out between the Free City and Modo, the branch of Tugenhaben was closed by Modo, and the funds in the branch treasury were also taken by Modo in the name of preservation, and eighty percent were sent to the national treasury.

Before Wang Qinian left, all aspects of work were going on at the same time, and Chris and his team had to clean up all the messes after the war, one of which included the need to negotiate with Morocco to retrieve the funds of the Tugenhaben branch and restore the operation of the branch.

It is precisely because of the extremely high prediction of risk that there will not be too much money in the treasury in either the branch of Tugenhaben or the branch of Saint-Quentin, and once it is seized, the loss will not be too large.

After reading the letter, Worsley and Wang Qinian made a handover, and after counting the savings and accounts in the basement, it was regarded as officially handing over the power of the branch to Wang Qinian.

He glanced at it reluctantly, but Wang Qinian suddenly said, "Wait." ”

"What's wrong?" said Wosley, stunned, and thought something was wrong.

"That's right, although Lord Franklin has asked me to take over the business here, but if I can, I hope you can stay and assist me, your treatment here will remain the same, and you will still be in charge of the day-to-day business, and I will only check the accounts every once in a while. But I'm going to add new business, and from next week I'll start taking deposits and borrowing goods, like the head office in Liberty City. ”

The Free City has been subordinated to Asturias, and naturally there is no high risk as before, so Wang Qinian will of course start the full function of the branch. Even Tugenhaben will sooner or later unfreeze, at most a loss of a lot of money, and the funds that have been stored in the treasury by Modo may not be able to be returned, and the Weah will make up for the war losses a little, but as long as the merchants of Modo still need to communicate with the Free City, sooner or later they will persuade the royal family to agree to the reopening of the Franklin branch.

Wosley's eyes widened in surprise, and he rubbed his hands together and said, "This, that's a surprise, oh, I mean to say, I'm actually very happy and happy to accept it." ”

Over the years, Vosley's hopes of rising through the magical ranks had diminished, or he would not have been willing to accept the business of the branch in St. Quentine. So after staying here for a while, he gradually felt that the hard work of the first half of his life had come to an end, and since it was unlikely that he would go too far on the path of magic, why not live another life.

"That's good. I'll write to Sù Free City about this decision, and get the Lord and Chris to agree with you to stay. In addition, if you have anything else to build, you can ask me. Wang Qinian took Agatha's hand and sat down, talking to Wosley seriously.

"First of all, there is not enough manpower. Just now, you said that you want to carry out a business like the head office, which requires a group of skilled people. Wosley stammered.

"You can rest assured that before I came, I talked to them about some plans, and the head office will support us, and the manpower problem will be solved soon, and a group of people will come to help us. Wang Qinian said, "Do you have any other good ideas?"

Worthley thought for a moment and plucked up the courage to say, "You're too late, and to be honest, we really need to change things, and maybe it's a good direction to go in the same direction as the head office." Because the city has already begun to have competitors, some of whom have already started after hearing about Franklin Bank, and some of whom are preparing to imitate us. ”

Vosley's words attracted Wang Qinian's attention and asked in detail.

New organizations such as the Franklin Bank had emerged in St. Quentin, many of them by the original goldsmiths, and some of them were clever merchants who imitated the Franklin Bank, openly soliciting savings and lending them at higher interest rates.

It is impossible for these people to compete with the Franklin Bank in Free City, whether in terms of reputation or relationship with the City Lord's Mansion, it is not an order of magnitude, but it is not the same in St. Quentin City, this is not Wang Qinian's home field.

Those people have been in business for many years, and they have a great opportunity to transform and use their former connections.

Wang Qinian touched his chin thoughtfully, but the afterglow of his inadvertent eyes showed that Agatha was looking at him with a slightly strange look, as if she was extremely confident in him.

His heart jumped slightly, and when he fought for Heliphon in the mines, he turned into an evil demon, and only little Lori and Catherine in front of him had seen it at that time.

Catherine doesn't have to worry, she's already her own **.

However, Xiao Luoli is a little troublesome here, and Wang Qinian has thought about how he can explain to Chris and the others in case Agatha says it, that he does not intend to expose the existence of flesh and blood.

But Agatha didn't seem to have any intention of saying it at all, but saved Wang Qinian's thoughts.

Sometimes, for this eccentric girl, Wang Qinian is also a little unpredictable.

Thinking back to the present, Wang Qinian waved his hand casually and said, "Don't worry, I am sure to deal with their competition, and the best result is that everyone will show up." ”

Wosley was stunned for a while, he felt relieved when he heard Wang Qinian's previous words, but he couldn't understand the latter sentence.

Wang Qinian didn't bother to explain that businessmen believed that only by operating exclusively could they obtain the greatest profits.

There's nothing wrong with monopolies bringing the most profits, but only if the market is already bigger.

The emergence of Franklin Bank brought about the germination of the financial industry, but it is still far from making the cake bigger, far from being accepted by the world.

What is needed at this time is free competition, as long as no one maliciously targets him, Wang Qinian doesn't want to do anything bad to vicious competition, it's not that time yet, but if it comes to the time when you need to live or die, he will never be soft.

"Anything else?" Wang Qinian stood up, and although he thought the conversation was almost over, he still asked one last question.

Wosley hesitated for a moment, and then said, "Also, I always thought that there was an inconvenient place restricting our exhibition. ”

"Oh?

"It's the connection, and I mean the connection between the head office and the branches here. Wasley spread his hands, trying his best to express his doubts and worries to Wang Qinian.

As a magician, thinking is almost instinctive, and Worsley has been the head of the department for a while, and he feels that the biggest problem is that the distance between the head office and the branches is affected, and the transmission of information is too slow.

For example, after the branch has set up an account, according to the rules, it is necessary to escort the limited extra coins to the head office, and at the same time, the head office has to come to check the accounts of the branch, but due to the backwardness of the information, it is often a batch of funds to arrive in the free city, and after the head office has completed the accounting, and then according to the consideration of the next month, it will be made to increase or decrease the liquidity limit of the next month and the next month, and will re-send someone to notify, and even escort a batch of coins to the city of St. Quentin, but now the situation has changed, sometimes the merchant can not withdraw the money immediately, and need to wait for some more time to transfer funds from the head office, sometimes the funds that are being shipped appear to be redundantBecause there are new merchants on the branch side who have deposited a large amount of currency, what is needed is to transport more funds from the branch, and in this case, the head office has to be informed that the excess funds will be deposited in the branch for a period of time in violation of the regulations.

Luckily, Wosley is an honest and reliable man, he was one of the first wild mages recruited by Chris, and has been loyal to Liberty City for so many years, so nothing went wrong.

But he intuitively felt that there were loopholes and opportunities that could be exploited, because the liquidity limit of the branch was precisely to prevent someone from suddenly taking away a large amount of money and running away.

If it is not more effectively prevented, it will certainly become an obstacle to the expansion of banks.

At this stage, it was impossible to be foolproof of such precautions, and it was only possible to select reliable people to preside over the operation of the branches, so the Franklin Bank set up branches only in St. Quentin and Tugenhaben, and limited its operations to merchants who would come to trade in the Free City for the time being.

At present, although the operation of Franklin Bank has only two small branches, the physical handover brings extremely repetitive operations, lack of efficiency, and brings risks due to the lag of information.

If the problem of information lag can be solved, although there will still be a risk of physical discrepancies, the accounts will be clearer, easier to reconcile, and can improve efficiency and help the branch to expand, especially when Wang Qinian has already planned to carry out the branch in Saint-Quentin like the head office.

In the past, due to the narrow scope of business, it was limited to services to merchants, so although the information was lagging behind, the number of lagging businesses after the account period was small, and it could be adjusted quickly when checking, but if it started to operate an ordinary storage business, the situation would be much stricter.

This is because once you start a regular small-amount storage business and expand the number of customers to the citizen class, the amount of storage generated per month will increase, but the number of business starts will also increase exponentially.

In fact, Wang Qinian had a vague idea of this problem at the beginning, when he only came into contact with the coin exchange merchant in the Free City, and out of his keen pre-crossing time, he realized that if the information transmission was timely and smooth, he could make money by taking advantage of the complex currency and interest rate differentials between cities.

"We can feed carrier pigeons, which helps us to deliver messages and shorten the time. Wang Qinian thought for a while and said.

Wang Qinian sighed in his heart, for the time being, he can only deal with it first, using carrier pigeons to pass, at least much faster than the current way, which can shorten the reconciliation cycle a lot.

However, the degree of carrier pigeon can not meet the requirements of information transmission, and if you encounter a bird of prey in the transmission, there will be a danger of information loss, or in the future, when there are competitors maliciously targeted, carrier pigeon is also a less safe way.

I have to find a safer and faster way, Wang Qinian touched his chin, and suddenly remembered one thing, when the Free City was attacked by the Modo army, it seemed that Viscount Philip had some way to inform Count Regina very quickly.

"That's it for the time being, you prepare, when the support from the head office arrives, we will expand our business here, and since competitors have appeared, of course we can't be idle. ”

"Yes. "I fully agree with Mr. Solomon's decision, the potential of St. Quentin is very great, and a commodity exchange similar to ours has been built in the third outer city. ”

In fact, not only the city of St. Quentin, but also the royal capitals of Titania and Saxon, and even Aurora all began to form exchanges where goods gathered, all of which were imitations of free cities, and they were very successful, because the innate conditions of these cities were much better than those of free cities.

However, the trade volume of Free City will not be greatly affected in a short period of time, because it has a unique advantage, as the first transit point of orc trade, which is difficult to imitate in other places, and the only one that has a chance to challenge is about Turin City of Aurora, and if other cities must try, it will take a long time to gain the trust of the Orcs like Free City or Turin.