Lord God Investigator

As the first bank in the history of the Song Dynasty and even the world, Xin'an Bank was not too far ahead of its times. More than 70 years later, Venice, where maritime trade was developed, established the world's first bank. At the same time, the GDP of the Song Dynasty ranked first in the world, and its business Extremely developed, the wealthy households and businessmen of the Song Dynasty, like the merchants of Venice, also had huge demand for the banking industry.

Luo Feng was not the first to invent Jiaozi. As early as the Tang Dynasty, "flying money" had already existed in China. The earliest banknote Jiaozi in the Song Dynasty also first appeared in Yizhou, Sichuan. People in the Song Dynasty quickly accepted the bank's concept and start enjoying the convenience brought by banks.

The important reason for the repeated money shortages in the Song Dynasty was that the rich had no better investment direction other than investing in land acquisition, so they hoarded the excess coins they earned to maintain and increase their value.

Whether it is annexing land or hoarding money without using it, it will greatly harm the economy and erode the foundation of the country.

Luo Feng opened a bank to absorb the money accumulated in the bank vaults of wealthy households by soliciting deposits, giving a certain amount of interest, and then distributing it to the people in the form of demon insurance. This was a disguised method to promote currency circulation. The purpose was to Alleviating money shortages and stimulating the economy.

Wealthy households keep their money at home, and the added value is more efficient than depositing it in a bank. In addition, warehouse and security costs are waived, and there is no need to worry about thieves. This is really two birds with one stone.

The only thing they have to worry about is the credibility of Xin'an Bank. However, with the reputation of Mr. Jing Jiajing as a guarantee and the strength of the Luo family as the richest family in the Song Dynasty as evidence, the depositors are not worried about the government stepping in to force the bank to pay, but they are not worried about it. The bank's gold reserves were not enough to redeem, so they actively saved and sent the metal currency they hoarded to the bank's vault to exchange for notes or certificates of deposit.

Soon after the bank opened, it absorbed a huge amount of savings funds. According to the set interest rate, the bank had to pay a considerable amount of interest every day. If the money was not loaned out to collect loan interest, it would be equivalent to losing money every day.

Xin'an Bank, like the rich households of the Song Dynasty, had no investment channels after amassing wealth. After all, no matter how prosperous the Song Dynasty's business was, it was still a country with a feudal system. Capitalism sprouted but did not prosper. There were neither colonies nor markets overseas, so it was impossible to get a loan. Know who to lend to.

Jing Xiaolou is very worried about this, but Luo Feng disagrees. As long as the bank's credit is reliable and depositors don't desperately run, the money lost is actually the number on the account.

The financial industry is different from general business. Losing money or not is not calculated this way. Unless the economic bubble bursts, there are problems with macro-control and micro-control, and a national economic crisis breaks out, it is impossible for banks to go bankrupt.

As for whether to open up colonies and overseas markets in the future, whether to go to Europe or simply sell goods to the Demon Realm, and whether the Song Dynasty will enter the Age of Discovery like the Empire on which the Sun Never Sets, this is not something Luo Feng will consider in the short term. , anyway, he left after ten years. He first defrauded the rich people of the Song Dynasty out of their money, and then settled the matter.

Banks and insurance companies have been operating stably for a period of time, and have been widely praised by the people of the Song Dynasty. They have gained recognition and acceptance. Luo Feng joined forces with Jing Xiaolou to establish the "Song Dynasty Demon Subduing and Elimination Foundation" in Yuzhou.

The foundation relies on Xin'an Bank and Xin'an Insurance, using their profits as funds, to distribute bonuses to all the world's heroes who have killed demons.

There are two types of bonuses:

The first is a fixed subsidy for professional titles. As long as you register with the foundation and undergo a comprehensive evaluation, you can obtain the professional title of hero. The professional titles are graded as: "Heaven and Earth, A, B, C, D...". The strongest hero is called the "Tianzihao" hero, and the next one is the hero. etc. is the "District Name", and the following order is A, B, etc...

The second type is the bounty for hunting monsters, which provides temporary bounties based on the strength of the monsters killed by the hero and the severity of the damage caused by the monsters. Demon disasters are also classified into categories: dragons, ghosts, tigers and wolves...

The first type of bonus, according to the foundation, is to relieve heroes from worries. Although the practice sect that occupies the seventy-two immortal realms in the Immortal Sword World claims to be an immortal, its disciples still choose from mortals in the human world. The expenses must be paid in the human world. Buying from the world, even if you become an immortal, you can't just eat the wind and drink the dew, you still have family to take care of.

These fairy sects are not very engaged in production. The funds to maintain the sect are collected from the demons or their lairs that have been slain. They only rely on the weather to make ends meet. If a few poor demons are exterminated in a row, the entire sect will have to live frugally for a period of time.

The economic problems of the Shushan sect are particularly serious. Jiu Jianxian can't afford to drink and goes around cheating and blocking the door. Li Xiaoyao becomes the leader. It is clear that his wife's natal family is a powerful martial arts powerhouse in Jiangnan. The dowry is very generous, and the family still owns a chain of inns. In order to supplement the Shushan sect, he just got a Taoist title and became a poor man, which can be seen.

In comparison, the Great Compassionate Bodhi Ming Sect, ranked second in the world, is much better. Their sect has a temple property in Kaifeng and money for sesame oil. Their life is much better than that of the ungrounded Sword Immortals of Shu Mountain who hide on Hanging Mountain. .

The second kind of bonus is to encourage people in the martial arts community to eliminate demons and demons, and learn the techniques of demon subjugation and demon elimination, in order to control the demon population and reduce the occurrence of demon disasters.

Martial arts people who register as heroes of the foundation will get a free "demon insurance" of the highest amount. If they accidentally overturn their car while exorcising demons, they will receive huge compensation from the insurance company, ensuring that their families will have no worries about food and clothing for the rest of their lives. .

In addition, registered heroes can also get a welfare treasure, which is a portable phone bug. Through the phone bug, you can get real-time reports on monster disasters across the country from the foundation's monster information center, and know where monsters are and how strong they are. , who is heading to the place where the demon disaster broke out to deal with it.

The information center’s source of demon intelligence comes from demon insurance victim compensation reports reported by the public. Once people across the country are harmed, they immediately go to the local bank and insurance outlets to report the losses. This is equivalent to the people across the country being the eyes and ears, so the information center won the first place. Hand information.

The establishment of the Foundation for Subduing Demons and Eliminating Demons caused an uproar in the Central Plains martial arts world. There were sects that supported it and there were sects that opposed it. Public opinion was boiling for a while.

Many martial arts masters and disciples of hidden immortal sects who are hidden among the people are attracted by the huge bounty and complete welfare system to register with the foundation. In the past, it was their duty to kill demons and demons, but if they accidentally overturned the car, it would be Life is hard. Although I have a righteous heart and recharge my faith, I grit my teeth and do it, but I always feel a little lack of motivation.

Nowadays, the three insurances and one fund are complete, the logistics support is strong, and you can still make money after taking risks. The foundation has also developed a hero ranking mechanism, which can make you famous all over the world, and suddenly aroused everyone's passion.

In the first year of Yuanfu in the Song Dynasty, Luo Feng, the financial king who once owned everything, declared to the knights in the Central Plains before going bankrupt: "Do you want my wealth? Then go find it, everything I have is there. In that great...ahem, dirty...demon lair!"

As a result, more and more people are rushing to the mountains, forests, wilderness and tombs, breaking into the dirty demon lairs, and the world has ushered in the era of great (elimination) demons!

Countless passionate young people with dreams like Li Xiaoyao have determined to become the man of the Knight King!