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Jack Sparrow was a little moved when he heard what James said.

He knows about banks, and they have been particularly popular at sea recently. There is actually a reason for this. Since the rise of the White Iron Pirates, those islands are no longer safe, especially those occupied by other countries.

If the other pirates have nothing to do with the coastal defense guns on the islands, then the firepower of the White Iron Pirates is facing the coastal defense guns, and those islands are not so safe.

Those islands in the sea were uprooted one by one by the white iron pirates, and finally they all planted their flags.

The firepower of the white iron pirate ship at sea is obvious to all in the Caribbean.

Although confronting the fleets of various countries at sea, and even fighting a large-scale battle, the original White Iron Pirates seemed a bit difficult, but now, as the White Iron Pirates become the White Iron Kingdom, their power at sea is getting stronger and stronger, and their firepower is also increasing. stronger.

There are also constant frictions with the islands of many countries, and there are no boundaries at sea.

Those banks were born naturally, carrying a large amount of gold and silver around the sea, very unsafe, even very unsafe.

However, those large fleets with the background of the East and West India Company can keep their wealth for these wealthy businessmen and nobles very well. Even if their ships are robbed by pirates, the money deposited in the bank will not disappear instantly.

In comparison, banks appear to be very safe.

A goldsmith can even lend out the gold for a short period of time to collect interest, as long as he retains a certain amount of exchange gold and does not become unconvertible.

At this time, bank notes are very strong, and at this moment, the paper money of later generations has not really become popular.

The goldsmith also discovered that the vouchers he issued actually had the effect of currency, so he began to issue fake vouchers.

However, the concept of buying one's own future products has been repeatedly hyped, and even financial derivatives and various financial concepts have appeared.

Before the paper currency appeared, the currency was all metal currency, but they were troublesome to carry and it was not safe, especially for some merchants engaged in commercial activities, it might still be a burden.

This seemed completely incomprehensible and unbelievable to people at this time.

People are tossing in this world where there is almost no substance, some win, some lose, some laugh, some feel sad.

It has to be said that human beings have an unimaginable talent in playing themselves to death.

The current European world currency does not have what it will look like in the future. To be precise, they are called bank notes, which can be directly exchanged for metal currency.

People flipped and jumped on the concept of currency and played various new tricks, but it was actually an act of self-deception. It seemed that everything was more than before and added value, but in fact it did not create a new currency for society. Too much value.

The same is true for the banks in the future market. As long as the reserves are sufficient, the banks will not face the risk of bankruptcy due to a run.

There are a lot of bank notes, but later people discovered the magical function of this bank note, and an important product of human capital society was born.

finance.

The king of England wanted to use the gold in the mint, and merchants who did not need everyone's consent could not stop it.

The earliest birth of the bank was actually mainly to raise war funds for the government.

In this game, people will continue to play, continue to give new definitions to their world, generate new financial concepts, and continue to play like this.

In history, King Charles I of England and the Scottish nobles broke out a war. In order to raise military expenses, they embezzled the civilian gold in the mint. This practice made these civilians feel that the mint was no longer safe, so they put gold in trusted gold At the smith, the goldsmith issues a voucher for the depositor, who can then get back the gold with the voucher.

The earliest concept of a bank was born in Italy, and the earliest bank should have been established in Venice, but the bank at that time was not a real modern bank.

Soon, these merchants found that when they needed money, they didn't need to take gold, they only needed to hand over the gold certificate to the other party.

However, banks can exchange these certificates for money by issuing some certificates, that is, paper.

The nine-year war broke out between Britain and France, and the British economy lost to France but finally won. One of the most important reasons is the bank.

The amazing thing is that as long as these customers do not come to withdraw gold on the same day, the fake certificate is equivalent to the real certificate. This is a very interesting phenomenon. If customers come to withdraw gold on the same day, without sufficient reserves, goldsmiths will not have major problems in exchanging gold.

Banks that are closer to modern banks were born around the 17s. There was a very famous event in Britain, that is, the king's misappropriation of mint gold, which promoted the birth of modern banks.

In Jack Sparrow's view, the bank is simply a money-grabbing institution. After all, money in this era is still linked to gold and silver.

This is why so many people in later generations are willing to invest their wealth in finance and stir it up and down.

Repeated brewing, hype, brewing, and hype again and again will form the future financial world.

Currency itself is just a symbol of value. At the beginning, people always think that metal currency is currency.

Finance is a product concept produced by human beings to buy their own future.

It's ridiculous to say, but the history of financial development is like this, from currency to finance, from the initial general equivalents, to the subsequent conversion of the financial market.

When those British merchants had money, they deposited it in the king's treasury for safety, and because the free coinage system allowed anyone to take gold nuggets to the mint to make gold coins, but the mint belonged to the king.

This game has seen all human nature and greed.

The concept of money has always been associated with currency, but when paper became currency, everything changed dramatically.

Of course, it is just a saying that finance can drive development in later generations, but people put more energy into the crazy wealth appreciation process of finance, instead of using the actual purpose of finance.

Just like opening Pandora's box, it is beautiful and brilliant but inescapable.

Of course, the financial market in the era of the White Iron Kingdom was far less nonsense than in later generations. Most of the deposits in the banks were gold and silver and some convertible bank notes.

At present, finance has not been fully discovered, and banks do not have so many fancy ways to play. Its function is very single, and it looks very simple and harmless to humans and animals.

No one could have imagined that they would grow into a ferocious beast that devours the entire world and human beings in the future.

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