Magic Tower Starry Sky

Not long ago, World Tree recalled all wood elves. The members of the Turtledove Alliance completely disappeared in obsession with their elves, but this caused a wave of heated discussions and worries.

The same situation reached the ears of nobles and magicians. Most of them believe that a new wave of World Tree wars will rise. Interested people are all gearing up, waiting for a good opportunity to pick up cheap. Whether it's breaking into the World Tree's territory to plunder, or capturing the elves of the defeated army, there are huge coveted benefits.

It's just that different from what these people imagined, the wood elf tribe is indeed in a state of preparation, but it's not for attacking each other, but for training. A new form of mobilization tactics that can only be used by members of the World Tree, and revolves around the flash technique.

Maier even has a secret order, as long as the magician is in danger of life, or if he needs it, a wave of at least three brigades of elves can be assembled within ten minutes. Two legions can be reinforced within half an hour. And there won't be any recruits in there, all of them are strong elves who use holy robes and holy bows as standard equipment.

It's just that Maier couldn't bear to complain about his majesty. When life is in danger, ten minutes? half an hour? So much time is enough for that magician to escape to the ends of the earth. And make sure no one can find him. Unless the magician needs manpower to start a war, Melan doesn't think he will use that secret order.

In short, the wood elves are now in a state of canceling their travels. In addition to training soldiers in the tribe, they are also learning 'necessary' new knowledge. Life is both fulfilling and boring. Enrichment is because there is almost no time to relax and take a breath all day long; boring is naturally because the knowledge and training learned more are more boring than the daily life of elves.

However, under the endorsement of the magician, as long as he puts forward a request for manpower, the twenty wood elf tribes are a treasure trove of talents who can ask for anything, and even the five elf kingdoms will not have too much resistance. At that time, I am not afraid of those elves who are eager to live outside the tribe and will not come to curry favor with themselves.

Maier was even thinking about what kind of benefits he could use such an opportunity and power to gain for himself. In the past, I couldn't imagine myself staying in the dark elf tribe's intrigue.

Therefore, for the request of the magician in front of her, she, who was once a priest of the dark elves, agreed without thinking, and promised to bear it with all her strength, so that this troublesome magician would not have to worry about it. It's just that there are some things that Maier has to ask first. "Sir, is there anything you should pay attention to in the banking organization you want to establish?"

Lin thought for a while and said: "The implementation rules and precautions are contained in the No. 10 document. However, the specific plan can only be determined by how the money flow network constructed by Ke Yin and World Tree works. You first Understand from there. But since you asked, I will emphasize one more thing. In the future, banks will never touch the business of lending money, that is, lending money to others. Nor will they be middlemen, helping rich people with debts Matching people with money. This is absolutely forbidden.”

"Hey, I can't borrow money."

Uzov said that he had a stronger reaction to the prohibited items than Maier. Noticing that he himself has become the focus of attention, the president of the technology guild explained: "In fact, don't look at the technology guild as if its business is very good. In fact, many people have a need to borrow money. But they are not in a hurry. Instead, I hope to buy more equipment and recruit more manpower to expand the business. Although there are many people in the Holy City who are lending money, they have many restrictions, strict requirements, and high interest rates. If you borrow money from a bank If money is not so troublesome, I believe there will be many people in need. This will also be more conducive to the promotion of the bank."

"The Point Guard Is Here"

Lin shook his head and refused the seemingly reasonable request that was conducive to economic development and promotion of banking business. He explained: "From a personal point of view, it seems to be a good thing to be able to borrow money from the bank. Even if the interest rate is higher, they believe that the job they received from the guild can easily repay the debt. But overall, it is also a good thing. From the perspective of the Goddess of Gold Coins, this will allow her to embark on a different path of development, becoming an evil **** that is millions of times more evil than you can imagine. There is a reason for this, and with your current knowledge, I am very It's hard to explain. I'm not against lending, after all, this kind of behavior has existed since the era before money appeared. But this kind of thing can't be operated in the name of Ke Yin, and the consequences are unimaginable to you."

Although someone said very seriously, Uzov is not the kind of person who blindly obeys. So after struggling for a while, he asked, "Sir, can you try to explain it. See if I can understand the disadvantages of this."

"Well, alright. I'll just pick a shortcoming that has nothing to do with the overall situation. You should understand it. Let me presuppose the positions of the two of you. Uzov is a craftsman who needs to borrow money to develop, and Maier is a craftsman. The person in charge of the bank. The position is different, so it’s okay.”

The two listeners nodded. Lin Cai continued: "The situation is exactly what you just said, Uzov. In order to earn more money, craftsmen need upfront investment. That is to hire more helpers, buy cars or trucks, and be able to Carry more goods and do more things in the same time. Of course, you also need to buy handy tools for yourself and newly hired helpers. These need money. Instead of relying on what you have now, choose A suitable job does not earn much, but if you do it slowly and save slowly, one day you will be able to expand to the desired appearance; it is better to borrow a sum of money to build up the scale at once, and then you can make a lot of money yourself. That's what you think, right?"

Uzov nodded.

"Then the bank evaluates the condition of this craftsman. His craftsmanship is very good and he has a wide circle of people. Everyone likes this person and is willing to hand over the work to him. That is to say, when this craftsman expands his scale, he He can take on enough business and give full play to his expanded workload. This means that in the eyes of the bank, this person has the ability to repay the loan in the future, and there is no need to be afraid that the money will not come back after being borrowed. Then Maier , you think in general terms, can this money be borrowed?"

"Since you have the ability to pay it back, why not borrow it. The bank will also charge interest." The dark elf asked.

"Accept, of course, why not. There is no interest charged on borrowing money, and it is not a charity. Okay, then the bank will lend the money. But in fact, there is no smooth sailing at work. No matter how good your ability is, God will Unpredictable, there is always the possibility of encountering some unpredictable things beyond his ability. For example, this craftsman is particularly unlucky. He encountered a powerful monster attack during a construction trip, or was involved in two In the duel of powerful magicians. So this unlucky craftsman lost most of his manpower and all the tools used to make money. Fortunately, he saved his life and escaped back. Is it possible for this kind of thing to happen?" Lin finally asked.

Uzov nodded and admitted: "Although it is very unlucky, it is really possible for this kind of thing to happen. There have been many times in the guild, and every time everyone contributed to help tide over the difficulties. What is even more unlucky is All the people died, only the orphans and widows in the craftsmen's family. Sometimes, they can't live without other people's help. It's really pitiful."

"Well, the craftsman in our example is not so unlucky, at least he came back alive. Although he has nothing now, as long as his people and craftsmanship are still there, he has a chance to make a comeback. Now the problem comes, those who followed But those who died in an accident need him as the boss' pension. The work that cannot be completed must be done in a way, otherwise liquidated damages will be paid. The lost tools and equipment must be repurchased, and the manpower must be recruited again, so he Go to the bank and borrow the money. So here comes the question, Mel, do you think you should lend the money?"

Although he didn't ask himself, Uzov nodded and said, "Of course..." The dark elf shook his head, cut off the man's words, and said, "Of course I won't borrow it."

"Why!" Uzov asked loudly, mixed with surprise and puzzlement.

Without waiting for someone to explain, Maier first talked about his own thoughts. "Does the bank have any money? No. So the money borrowed by the bank is actually someone's money in the bank. Since it is someone else's money, the bank must be responsible for it. Because for His Majesty Ke Yin, the most important thing is It is not the belief of believers~www.wuxiamtl.com~ but the trust of bank users. Because of their trust, they dare to deposit their money in the bank. If their money will disappear inexplicably, then this layer of trust will not There is. Trust is not there, and no one wants to use the bank.”

After talking about a major premise, the dark elf looked at Uzov, who was full of doubts, and said, "Will the unlucky thing that happened once happen again? No one can guarantee this. But look at it." Those gamblers in the casino, when they lose their eyes, I think it can explain a lot. So why should I lend money to a person who is desperate and trying to turn over in one go? Not to mention that he has outstanding debts. Pay back what you owe first, and then consider how to borrow a second loan. The bank must be responsible to the person who deposits the money here, but should not be responsible for the bitter fruit of others’ risky failure. No matter what happens to the artisan who borrowed money, the debt owed The debt is to be repaid, this is my attitude. I don’t even rule out confiscating his property that can repay the debt and paying off the existing debt before he gets himself nothing.”

Uzov's face was quite ugly, but he couldn't refute what Melcher said.

Seeing the dark elf's haughty look and Uzov's attitude like a lost dog, Lin Yi sighed and said, "This is what I want to say 'borrow umbrellas on sunny days and collect umbrellas on rainy days'. Banks will not be charities. If it starts to pursue profits, it will become the monster of power called oppression that your turtledove alliance hates the most. At that time, you will stand on the side of the bank and persecute those who have not paid money; or stand on the side of those people Let the bank squander money that does not belong to the bank, and eventually go bankrupt?"

"Sir, I..." Uzov squeezed his voice, but didn't know how to answer.