Chapter 75

Banks are the product of the development of financial capital to a certain stage. In the silver mainland, there are no banks, but only banks.

Silver mainland is based on precious metals such as gold, silver and copper. In this world, there is no currency issued by credit. The greatest role of banks is to facilitate the circulation of metal currencies such as gold, silver and copper, which are inconvenient for people to carry in large quantities. For example, businessmen have to go abroad to buy a thousand liang of silver goods. If there is no bank, He will personally carry these huge amounts of money on the road, which is cumbersome and bulky, and the risk will increase countless times. It is in this case that the bank came into being. With a bank, these people can carry the same number of gold and silver tickets to purchase goods.

Gold and silver notes are issued by the bank. In essence, gold and silver notes are not money, but ious issued by the bank. This is the biggest difference between banks and banks. The central bank with the right to issue money can issue money by credit, and the existence of commercial banks is not to facilitate the circulation of money, but to collect the profits of idle money investment.

People in silver mainland deposit money such as gold and silver in the bank, mainly for the convenience of carrying and using. The function of the bank is to help you keep, transport and circulate the money you put in the bank. Therefore, people in silver mainland deposit money in the bank, not only without interest, but also pay a certain fee to the bank.

It would be impossible to give you the money and give you the custody and circulation fee. In Yan Liqiang's previous life, but in this world, all this is completely reasonable. No one thinks there is anything wrong. In fact, in the previous life, when we took the money to the bank, we were also paying storage fees. That storage fee is the difference between inflation minus bank interest, but we didn't notice it.

When he got five hundred Liang gold from the Lu family, Yan Liqiang took it for granted that he wanted to deposit this large amount of money in the bank for interest. At that time, Yan Liqiang calculated that if the bank here could have five percent interest, he could get 25 Liang gold interest every year with 25 Liang gold, He and Yan Dechang have enough to eat and wear.

However, the cruel reality of the world soon woke Yan Liqiang from his dream of "lying down and making money". After understanding the operation mechanism of the bank, Yan Liqiang found that if he kept the gold in the bank, the gold would not increase, but would be less and less.

Such a thing is naturally impossible for Yan Liqiang to accept.

This time, while trying to solve the threat of the Hong family, Yan Liqiang is already calculating the use of the gold.

Yan Dechang is a little old and has no cultivation. With his age, his physical strength will decline more and more. The blacksmith's bowl of rice is not easy to eat. Moreover, Yan Dechang is seriously injured this time. Even after his body gradually recovers, he should cultivate himself for at least half a year. He can't do too heavy work. He should take it easy to swing the hammer, Under these realistic problems related to survival, Yan Liqiang should not consider the future economic source of his family. This economic source is not only related to the future livelihood of his father Yan Dechang, but also related to whether Yan Liqiang can live a little in this world.

Practicing martial arts may not be necessary for everyone's survival, but eating, dressing and housing are necessary for everyone's life. The latter needs money to solve.

Yan Liqiang is actually thinking about how to use the money these days? He wanted to invest in the past, to produce a four-wheel carriage, and to produce lighters that are more convenient to carry and use than a sickle. Finally, after careful research, he found that although his ideas are good, they are somewhat unreliable and difficult to realize for him now.

First of all, there is no stock in the world, and those who do business also have partners. However, it is not overnight to invest and find a partner. Now they have no such background and relationship at home.

Secondly, he also wanted to use his blacksmith's workshop to make some small inventions. The principle of four-wheel carriage and lighter is actually very simple. Their blacksmith's shop is actually building fire sickle, which can easily build the key structure of lighter or four-wheel carriage that can be easily turned, but unfortunately, There is also no patent for invention in the world. If he improves the sickle into a lighter or takes out a four-wheel carriage, others will buy one, take it apart and see it in three seconds, and then the same things will come out from other larger and more powerful blacksmith workshops, Apart from making a little money for his family at the beginning, the things he worked hard to get out are expected to disappear.

After considering various possibilities, Yan Liqiang finally found that the best way in front of him was to buy land and shops.

After buying land and having farm workers grow it, and making an appointment with farm workers about the proportion of land rent, as long as there are no major natural and man-made disasters, they will basically ensure the harvest in drought and flood. If they save some grain and surplus grain, they can sell it and change it into money. There is no need to worry about the life of the family.

If you have money, you will buy more land. The more land you have, the faster you will accumulate. The more people you rely on for food, and the larger your territory. If you have land, money, and people, you naturally need someone to protect you. You need to recruit guards. If you want to be safe and not be missed, you naturally need to have a good relationship with the government and all aspects. In this way, your tentacles will be extended, The local power and influence came out slowly, and the so-called local tyrants and local snakes were trained.

The Hong family followed this path, the Lu family followed this path, and the Shen family followed this path. Even the largest family giants followed this path. Countless heroes in ancient China followed the same path. Since so many people followed this path, there was no other way to go, so Yan Liqiang had to follow this path, You can't sit back and eat so much gold. A few days ago, Yan Liqiang wanted to talk to Yan Dechang about buying land, but Yan Dechang didn't recover well in those days. In addition, he hadn't finished the national skill exam, so Yan Liqiang endured it. Unexpectedly, his family was crowded today and received so many congratulations that he could hardly stack up a house, Yan Liqiang took the opportunity to tell Yan Dechang what he thought. In addition to buying land, the house at home has not been repaired for decades. It is a little dilapidated. It's time to do a good job. Yan Dechang only thought about it a little and agreed. Seeing Yan Dechang's agreement, Yan Liqiang breathed a sigh of relief. Shi Dafeng invited him to visit. Why didn't he go? He just wanted to take advantage of these two months to do a good job at home before he went to the National Art Museum of Pingxi County, so that after he left Qinghe County, he could let his father live a relaxed life at home without being unkempt and frugal every day. This is also a little intention to be a child. Yan Liqiang didn't know much about buying land and bedding, but it didn't matter. There were people who knew at home, so Yan Liqiang simply handed it over to Lu Wenbin. The gold given to him by the Lu family, plus the congratulatory gift money received this time, in addition to leaving 50 liang of gold and 500 liang of silver for standby, Yan Liqiang is ready to use them all to buy land, buy shops and build houses After finishing these things, just the next day after the big exam, before dawn, Yan Liqiang threw himself into cultivation without hesitation... The reason why he did not hesitate is that Yan Liqiang suddenly found that if time and energy can also be used for investment, investing his time and energy in cultivation is a good business in this world. Think about it. Cultivation can bring you a healthy and strong body, bring you strong strength, protect yourself and your family, make you happy and enmity, make you harvest a lot of real gold and silver, make you live a good life, make you respected and become a member of a higher class, Where to find... This novel has been translated by www.novelhall.com and if you are reading this somewhere, they have stolen our translation