Lord God Investigator

In the fifth year of Shaosheng in the Song Dynasty, which was the first year of Yuanfu (1098) and the Wuyin year, in the original history, the Song army defeated 400,000 Xia troops in Pingxia City.

However, in the fictional history of the Fairy Sword World, there is no such thing as the Battle of Pingxia City. If this year is recorded in the annals of history, the major event recorded will be the birth of the first bank in world history.

Xin'an Bank of the Song Dynasty was 73 years earlier than the Bank of Venice was established in 1171.

The establishment of this bank has epoch-making significance for the history of the world of swords and swords. The history books of later generations have devoted a lot of time to this period of Song history, which is many times longer than that of modern history.

Luo Feng injected 10 million taels of gold into Xin'andang and obtained 51% of the equity of Xin'andang. Jing Xiaolou invested in Xin'andang under the brand name, accounting for 40% of the equity. The Song Dynasty court held 9% of the shares. Quanquan recognized Xin'andang. Can conduct national banking business.

The court wanted to be tougher, but neither the Luo family nor the Jing family were easy to mess with.

In this world of extraordinary power, the Jing family's family background is unparalleled in the world. Legend has it that Mr. Jing is a divine general who descended to earth. The court cannot even offend an immortal, let alone the descendant of a divine general who descended to earth.

Although the Luo family is not as exaggerated as the Jing family, they are not very afraid of the court. This extremely wealthy family is a wealthy sea trade businessman, and it is said that they have countless properties overseas.

The Luo family's gunboats dominated the coast and monopolized the Song Dynasty's ocean trade. If the Luo family was angered, the fleet anchored along the coast could block the sea and block the country with one family, cutting off the Song Dynasty's maritime trade.

These two families were united, one was rich and the other powerful, and the Song Dynasty court could only do nothing.

The Secretary of the Ministry of Household Affairs cried in blood and petitioned the imperial court to send troops to exterminate these two rebellious wealthy business families. However, some of the important officials in the imperial court were knocked down by Luo Feng's golden bullets, while others were concerned that the Jing family was not being offended, so they went to the court. After a heated exchange of words and no explanation, the matter was settled.

Branches of Xin'an Bank immediately bloomed all over China. The business of Xin'an Bank is somewhat similar to that of the old banks. It has the basic functions of saving and lending, and in addition, it also has the "flying money" function of depositing and withdrawing money in other places.

As a certificate of "flying money", Xin'an Jiaozi gradually began to circulate. Jiaozi had actually been issued in the first year of Renzong Tiansheng (1023), and was known as "Guanjiaozi" in history. The circulation scope was also in Sichuan. However, due to Credit issues are quickly eliminated.

When the bank was first opened, most of the people who used the business were merchants from Sichuan. After all, the world of Fairy Sword was full of monsters and ghosts, and it was very unsafe to travel. Depositing in the local Xin'an Bank and then withdrawing it in another place eliminated the risk of carrying large amounts of gold and silver.

In ancient times, information transmission was a big problem if you wanted to access remote locations. In ancient times, there were no telephones, telegraphs, or the Internet. Flying pigeons were the fastest way to deliver messages. Carrier pigeons could fly sixty or seventy kilometers per hour. This was the fastest way in ancient times. information circulation speed

Banks can realize deposits and withdrawals in different places and universal deposits and withdrawals. The most critical point is that there is a fast way of information interaction between various branches.

In ancient times, fast horses and carrier pigeons were generally used to convey messages. However, Luo Feng did not want to raise so many pigeons and horses. After all, the amount of information carried by pigeons was too small. In the future, as the business volume will increase, every bank branch will have to build one. The huge pigeon loft is too troublesome.

What's more, there are many monsters in the world of fairy swords. Pigeons and messengers are easily caught by monsters in the wild and used as snacks, which can easily cause trouble.

In the world of Xianxia, ​​there are also magic weapons that can transmit sounds and paintings across thousands of miles, such as the "Sound Transmission Conch" and the "Round Light Mirror". However, these magic weapons are expensive and scarce in quantity, but they cannot be equipped on a large scale. Extended to every outlet nationwide.

As for launching communication satellites, the sky in the Xianxia world is very strange. It is impossible to send satellites out of the atmosphere. No matter how high the rocket flies, it will only spin in the first sky and cannot break through the second sky, let alone fly up. Above the thirty-third heaven.

Luo Feng even doubted that if he flew too high, he would shoot the rocket directly into the heavens and disturb the gods.

The radio tower was built and the strange fairy spirit in the air interfered with the signal, so the transmission effect was very poor. If the phone line was pulled, Luo Feng really didn't want to plug in one electric pole after another across the country.

Fortunately, Luo Feng's warehouse was very large. After rummaging through it, he found a suitable replacement, which was the telephone snail (telephone bug) from the pirate world.

Luo Feng saved a lot of telephone snail eggs, hatched them and sent them to major outlets across the country, and then established a telephone network. He announced to the outside world that this magical beast was the product of Luo Feng's father, Luo Enguo, who found it in the depths of the sea when he was engaged in sea trade. The foreign version of the sound transmission conch obtained from the Wanpisi route.

With the help of telephone snails, Xin'an Bank's information circulation rate is the highest in the Song Dynasty. It is said to be real-time exchange across the entire network. If you deposit money in Shuzhong, you can cash it out in Chang'an City in ten minutes. It is convenient and fast, and it is better than any other bank in this era. No bank can match it.

After the establishment of Xin'an Bank, Xin'an Insurance was also established soon after. The people of the Song Dynasty were still unfamiliar with the word insurance. The salesmen of Xin'an Insurance tried hard to explain and told the people that as long as they invested a small amount of money every year, if they encountered disasters from monsters, The insurance company will pay compensation according to the amount stated in the contract.

Regardless of the disaster suffered by monsters, including loss of property, injury, or even death, you can receive a corresponding amount of compensation.

At first, no one paid attention to this business, thinking it was a scam. However, there were also curious people, or merchants who were about to do business through demon-infested areas.

After actually encountering a demon, the businessmen went to the insurance company with the insurance policy. The insurance company sent a claim adjuster to the scene and used a treasure to detect the demon's breath to investigate. If the spirit jade changed color, it was basically confirmed that the situation was true and the compensation was paid. .

It is worth mentioning that many disciples of the Shushan Immortal Sword Sect have taken part-time jobs as insurance adjusters at Xin'an Insurance. After all, their daily business is to slay demons. Once someone reports that a demon is infested, hurting people and destroying property, they will always Just rush to the scene with a flying sword, handwrite a survey form and hand it over to Xin'an Insurance and you can get your salary. Why not?

After a bumpy start, banks and insurance companies actually started to open. Of course, there was no profit at the beginning. The amount of money lost every day made even a wealthy kid like Jing Xiaolou feel panicked.

Luo Feng, however, had a calm expression, as if the compensation was not his money.

Luo Feng really didn't take this small amount of money seriously. It was only ten million taels of gold. Even if calculated using modern weights and measures, it was only five thousand tons. There was still a lot to lose in his warehouse.

If you want to make any business bigger, it is normal to lose money in the early stage. If you don’t engage in several rounds of financing and then lose a few more rounds, you will be embarrassed to go out and say that you have started a business.