Small Village Doctor Cultivation

Open a bank
An exchange bank has been set up, and all knitwear transactions will be made in woven currency, and the rest will not be accepted.

There are a lot of worm coins, everyone wants to exchange them for high-level worm coins, which are easy to carry, but no one is willing to exchange them.

Now not only silk currency is available, but also money can be saved, which can earn interest and can be borrowed, but you must buy a house here and use the house as a mortgage.

A financial system is thus established.

Let Jingguai go to his hometown to study finance, and it is easy to learn how to run a bank.

After just three days of operation, Ning Caichen was shocked when she saw the bank's performance.

The newly built Great Xia has not yet started construction, it has been sold out, and the currency obtained is as much as 1000 billion.

Now Mengya asks Ning Caichen to advance.

But Ning Caichen didn't dare to take risks, what if one person needs double energy to advance?

At that time, not only will you not be able to advance, but you will be wasting money.

On the seventh floor, the energy consumed is usually supplemented with currency, but it is not like the sixth floor. How much you consume will be stored up. If you have enough energy, you can advance to the next level.

On the seventh floor, you need to consume energy every day. If you don't replenish it in time, you will lose your level.

You must take enough worm coins every time, otherwise you cannot improve your cultivation.

Finally decided to advance to the King of Judgment at the same time.

I don't feel the promotion anymore, I just saw Wushamao change from a star to a crescent moon, and I don't feel anything else.

"Honey, that's how banks make money." Mengya sighed.

Depositors save about 100 billion yuan, but they lend out 5000 billion yuan, and their funds are only 1000 billion yuan.

Every day is only one ten-thousandth of the interest, and the imprint has an income of 5000 million every day.

Currency is calculated in terms of bull coins, and worm coins are large banknotes.

In addition to the house, there are precious ores and other valuable items mortgaged, so there is not much money to sell the house, and most of them are rented out.

"Husband, 1000 billion working capital, how did 5000 billion become 5000 billion?" Meng Ya asked curiously.

"Hehe! We sold more than 3000 billion houses, 80.00% of which were loans, and only 20.00% of the payment was collected, so 80.00% of the money was not received, but interest was charged. Some customers are here The loan is then handed over to the merchant, and the merchant is depositing the money to earn interest, so the money we loaned out is returned. That is, 100 million currency, after several people loan, the money is still 100 million, but it becomes a 1000 million loan go out."

Ning Caichen patiently explained to Mengya.

Meng Ya was taken aback, she hadn't noticed this aspect of the bank before.

It is believed that depositors deposit 1 yuan in order to loan out 1 yuan. If there is no money, how can they lend to others?

If 1 yuan can only be loaned out for only 100 yuan, will it be a loss soon?

Where did you think of a blank check?

This is simply faster than printing money, and the money is rolling in.

Then the bank opened to the imperial city.

Huangcheng knew that they could borrow money, and there was interest on depositing money, so they immediately deposited their money in it.

But to save money, it must be converted into silk currency before it can be deposited, otherwise there will be no interest.

Cooperating with each city, each bank opened up.

As a result, the currency has become silk currency, and a vast financial system was established in just a few days.

Houses in every city can be mortgaged, and precious goods can also be mortgaged.

(End of this chapter)