Hongye City, City Lord’s Mansion.
Zhang Feng looked at the date and felt that Shu Daqiang and the others should be arriving soon.
As for the orc kingdom on the other side, Zhang Feng could only hear about it from hearsay. He had no idea what it was like or whether the plan he had made would work.
He could only hope that everything went well for Shu Daqiang and the others. In the early stages, Zhang Feng did not expect to find out any useful information, as long as he could gain a foothold.
Just as I was thinking about countermeasures, suddenly, the cat-eared girl came running over in surprise.
"Master, there's news from Shu Daqiang!"
Seeing that Windsor had nothing to do recently, Zhang Feng handed over the task of contacting Shu Daqiang to the cat-eared girl.
The cat-eared girl was naturally willing to do so. She would be very happy as long as she could help Zhang Feng.
Look, when she heard the news about Shu Daqiang, she felt even more excited than Zhang Feng.
"What did you say?"
Zhang Feng rubbed Windsor's hair and asked with a smile.
"Here, it's all here!"
The cat-eared girl took out a piece of parchment with call records on it.
Zhang Feng read it carefully, but after reading it, his face looked a little strange.
This is different from what he thought!
The orc kingdom was poorer than he had imagined. Of course, that might also be because the Danga Kingdom was relatively remote. But Shu Daqiang estimated that, except for the Sirius Empire, the other kingdoms there would not be much stronger than the Danga Kingdom.
Because the orcs’ resources there are monopolized by the Sirius Empire!
Zhang Feng suddenly had an idea. He seemed to have guessed why the Sirius Empire had to wage a nationwide war every ten years. It was because there were not enough resources! Assuming that the total amount of resources there was fixed, the orcs had a high fertility rate, and there were no emergency measures, the orc population was increasing.
Then resources will definitely gradually become insufficient to be distributed. When there is no way to obtain more resources, war is obviously a better way to consume manpower.
Of course, the Sirius Empire is so powerful that it is impossible for it to consume itself, so it will let other countries fight! "How cruel!"
Zhang Feng sighed, he felt that his guess was very likely.
If this is true, then we have to say that the emperor of the Sirius Empire is a tyrant! "But if this is true, then can I change my thinking..."
Zhang Feng frowned and thought.
The cat-eared girl stood obediently by the side, staring at Zhang Feng curiously. She didn't know what he was thinking about, as his expression kept changing.
Zhang Feng’s idea was very simple. Since the Tianlang Empire and other kingdoms over there were in opposition due to resource reasons, could Zhang Feng divide their relationship?
One or two ordinary kingdoms are definitely no match for the Sirius Empire, but what if all the kingdoms come together!
It's hard to say.
However, Zhang Feng thought again that if he could think of the issue of small countries uniting, then the other party would probably be able to think of it as well. But now no one has united to resist the Sirius Empire, which means that they may know it, but they cannot unite. After all, you cannot guarantee that no one will betray you.
Or, it is possible that they tried to unite and then failed in their resistance.
No matter which possibility it is, it is a difficult challenge for Zhang Feng.
But, that's what makes it interesting, isn't it?
Then let's get back to the matter. Since many of these orc kingdoms are short of resources, he can provide corresponding resources and exchange resources for intelligence.
Even more things can be exchanged.
If he could disintegrate the opposing orc kingdom and defeat the Sirius Empire without any effort, Zhang Feng would wake up laughing in his dreams.
Soon, Zhang Feng made a plan.
We must continue to improve our own strength, but there have been some changes in other areas. For example, when dealing with these orc countries, there is no need to use force against them for the time being. Regardless of whether we can win, Zhang Feng thinks it is unnecessary.
Since the other party is short of supplies and does not seem to be very wealthy, it might be more appropriate to start with the economy.
After thinking this through, Zhang Feng came back to his senses.
He ruffled the cat-eared girl's long black hair and said to her with a smile:
"Reply to Shu Daqiang and say..."
The cat-eared girl quickly took out a pen and paper and wrote down every word Zhang Feng said.
"Yes, okay master, I'll go contact him!"
Watching the cat-eared girl leave in a hurry, Zhang Feng touched his chin. He felt that it was time to put some things on the agenda.
In April, the temperature in the Far North began to warm up. Although the snow had not melted yet, it had not snowed for two days. Looking at the warm sun above our heads, we knew that spring was coming.
Just like everyone’s good mood, a happy event happened in Hongye City today.
"Hongye Bank" is officially open!
Some people have heard the word bank many times, but most people have never heard of it.
Zhang Feng mentioned it once before, but for various reasons, the bank was not open to the public.
After hearing that this "Red Leaf Bank" was set up by the city lord, the people in Red Leaf City became very excited.
In the best location on the commercial street, a tall building rises from the ground. The building is ten stories high, and each floor is six meters high, which means the building is more than sixty meters high.
Whether human or orc, everyone can move freely in it.
This is the tallest building in Hongye City and the tallest building in the entire Buck Kingdom. Standing on the top floor, you can overlook the entire Hongye City! This building was built a long time ago and has finally been completed now.
Those businessmen with a keen sense of smell have long set their sights on this place, and are planning to rent a shop after opening one here. They will do it no matter how expensive it is.
But I only found out today that this place is used by Lord Zhang Feng himself and is not rented out.
Since Lord Zhang Feng didn't plan to rent it out, everyone was disappointed but didn't dare to say anything more.
However, everyone was very curious about what Lord Zhang Feng was going to do here.
To this day, most people are confused when they see the four big words "Hongye Bank" hanging on the building.
bank?
What is that? Zhang Feng soon solved their doubts.
On that day, Hongye Bank opened with great fanfare, and almost everyone in the city came to watch.
"What? I can deposit gold coins in this bank?"
"If the gold coins here are lost or damaged, will the bank bear all responsibilities?"
"That sounds like a good idea. I keep my gold coins at home and I worry about them being stolen every day. If there is someone I trust enough to keep them for me, I would be happy to pay a little more!"
"What did you say? You don't want our gold coins? Instead, you want to give us interest? Wait, I feel a little dizzy..."
“…”
Inside the bank lobby, humans and orcs looked at each other in bewilderment.
The bank helps them keep their gold coins and also gives them money?
I'm afraid this is the opposite of what you said!
However, after repeated confirmation, this is what the bank staff said.
There are currently three options for depositing money in the bank.
The first one is a demand account, which can be used at any time, and the annual interest rate is 1/1000.
The second one is a three-month fixed deposit, which means that you will get interest three months after the money is deposited. The annual interest rate is 0.2%. If you withdraw the money before three months, there will be no interest.
The third one is a six-month fixed deposit, which is the same as the three-month fixed deposit, that is, the time is longer and the interest is higher. The annual interest rate of a six-month fixed deposit is 0.03%! There are only these three options for now, but I heard from the staff that there will be options for a one-year, two-year, or even three-year fixed deposit in the future. The annual interest rate is simply terrifying! Let’s not talk about anything else, just talk about this current savings with the lowest interest rate and the most flexible. If you deposit 10,000 gold coins, you will get 10,000 gold coins after one year!
Although it seems that ten gold coins are nothing compared to ten thousand gold coins.
But know that this is given to you for free!
And the bank is keeping it for you! If there are problems such as theft of gold coins, the bank will bear full responsibility!
In other words, as long as you deposit your gold coins in Hongye Bank, the money will always be there and no one can move it unless you take it out with a receipt!
Of course, this involves a question of trust. Why should you trust Hongye Bank? However, this is a question that almost no one has considered.
Why? Because this is the bank opened by Master Zhang Feng!
This alone is enough.
Not to mention, the Red Leaf Bank is also backed by Her Majesty Queen Isabel.
Behind Hongye Bank is not only Hongye City, Lord Zhang Feng, but also the entire Buck Kingdom!
Therefore, everyone is absolutely sure about the credibility of the bank!
Now the problem is very simple. You just need to consider how many gold coins to save and which plan to choose.
So, once they understood the function of the bank, countless people immediately left the bank and ran back home to get their money!
Even businessmen who need huge amounts of working capital are no exception.
After all, this is free money!
Why not put money in a current account, take it out when you need it, and keep it in the bank to grow interest when you don't need it? After all, if you put the money in your own hands, not only do you have to send someone to watch it every day, but you also have to prevent theft. Some suspicious people even have to count it every day. Counting money once or twice is comfortable, but if you count it every day and even treat it as a job, it will be uncomfortable.
However, while some people are willing to deposit their money in banks, naturally there are also people who take a wait-and-see attitude.
These people who were waiting and watching basically came from other places. Some came from the rebuilding Buck Capital, and some came from the former Gama Kingdom and Luoyan Kingdom.
It’s not that they don’t trust Zhang Feng or Hongye Bank.
On the contrary, after this period of time, after Zhang Feng took on the important task of rebuilding the Buck Kingdom, everything Zhang Feng did was seen by everyone. This is a noble who really considers everyone! So there must be trust.
The reason is very simple, that is, they do not stay in Hongye City for a long time. They come here basically because they are attracted by its reputation, like traveling, and they will go back sooner or later.
So they think, although they are envious, what will they do if they deposit all their money here when they return home? Do they have to make another trip to withdraw the money? For those who live far away, the travel fee may cost them a year's interest on their deposits, so it is not necessary.
These people shook their heads and sighed, thinking how great it would be if this Red Leaf Bank opened in their city! However, Red Leaf Bank or Lord Zhang Feng seemed to know what they were thinking. The staff of Red Leaf Bank told them that there was far more than one Red Leaf Bank! The Red Leaf Bank in Red Leaf City was only the headquarters. Currently, in addition to the Red Leaf Bank headquarters in Buck Kingdom, there were ten Red Leaf Bank branches, which were evenly distributed in other major cities in Buck Kingdom, such as Buck Kingdom Capital, the former Gama Kingdom Capital, the former Luoyan Kingdom Capital, and other places.
They will all open tomorrow.
Moreover, these ten banks are only temporary. Master Zhang Feng said that within the next year, Red Leaf Bank will be spread across every city in Buck Country! Most importantly, the information between these banks is interoperable, just like the train ticketing system.
In other words, the money you deposited in Hongye City can also be withdrawn from the bank in your hometown! All of a sudden, those who were waiting and watching could no longer sit still. Since there was a bank in their hometown and the data was interoperable, why not open an account and deposit money! As a result, the lobby of Hongye Bank was packed.
Everyone was trying to squeeze in with their money bags, fearing that the bank would not accept them if it was too late.
In just one day, Hongye Bank received deposits of 10 million gold coins!
Even Zhang Feng was shocked by this number.
This is only the first day.
Sure enough, there are still many rich people in the world! As for the security of the money, Zhang Feng had already done it. Deep underground in the Red Leaf Bank, there is a vault where most of the gold coins are kept. There are many people guarding it, and it is absolutely safe.
Of course, Zhang Feng would not let these gold coins stay here for too long. If they were not spent, then there would be no point in opening this bank.
So, the next day.
There was a huge crowd of people in front of the bank. They got the news yesterday and started queuing up before dawn.
Although the bank clearly stated that it would not reject everyone's deposits, no matter how much you want to deposit, the bank can take it, but some people are still worried. After all, the bank is so small, how many gold coins can it hold? What if it is full? As soon as the bank opened, everyone excitedly squeezed in.
But today is different from yesterday. In addition to the deposit business, the bank has one more business - loans! "What is a loan?"
Someone raised a question.
The staff of Hongye Bank answered carefully: "A loan means that when you need money, the bank can lend you money for use. Of course, we will charge a little interest."
"Huh? The bank is willing to lend us money? How much interest is required?"
Someone is interested.
In this world, borrowing money is a common thing, especially among merchants and nobles. Who hasn't had difficulties? However, in order to borrow money from others, in addition to being very familiar with the other party, the price you need to pay is also very high, usually one tenth of the interest per year.
The reason for such high interest rates is very simple. The medical level here is underdeveloped and the society is not very stable. The creditor may die at any time.
If the other party has a family, it's fine. If he doesn't have any family or his family can't be found, then it's a bad debt and the person who borrows the money needs to bear it himself.
There were savvy businessmen who did the loan business before, but they lost a lot of money after being maliciously loaned money several times. Because of their reputation, there were even special horse thieves who came to "borrow" money, which was even more uncomfortable! The loan sharking industry has appeared here, but it was only a flash in the pan. The reason is that it is not peaceful here. People can borrow or rob. To some extent, those who can borrow money are not ordinary people.
Therefore, everyone is curious about why Hongye Bank is willing to lend money to ordinary people.
"As long as the review conditions are met, anyone can borrow money from the bank. As for the interest rate, there are several options, such as 5% annual interest rate for repayment after six months to one year, and 8% annual interest rate for repayment after one to two years."
The interest rate is not high, but for most people, they don’t need to borrow money. In Hongye City, as long as you are willing to work hard, you can at least have something to eat, so it’s not necessary to borrow money.
But for some businessmen, loans clearly attract them.
Borrowing money is already a difficult thing, and now with the emergence of Hongye Bank, everyone keeps their money in the bank, making it even more difficult to borrow money!
If they want to become bigger and stronger and create greater glory, they can't do it without money, so they feel it is necessary to understand this loan.
There were also some businessmen with a keen sense of smell who suddenly realized something after seeing the loans.
He was wondering why Zhang Feng was keeping gold coins for others and paying them back! It turned out to be a loan!
On the one hand, they collected the savings of most people, and on the other hand, they lent them to others. One was at an interest rate of about 1/1000, and the other was at an interest rate of about 5%. This one in and one out, was a profit of 50 times! My God! It was too easy to make money!
The businessmen who thought of this secretly smacked their lips. They immediately thought, can they do this business with fifty times the profit? But unfortunately, after thinking for a long time, they found that only Lord Zhang Feng could do this business.
After all, when it comes to the bank's credibility alone, no one can compare with Lord Zhang Feng.
You can open a bank, but if no one deposits money in it, what can you use to lend money to others?
Therefore, they can only envy silently. Those who should save money continue to save, and those who want to take out loans are also studying how to take out loans and how much to borrow.
Another day passed. When Hongye Bank was summarizing its work in the evening, Zhang Feng smiled with satisfaction.
Although the deposits of the head office today are not as much as yesterday, only 8 million gold coins, but because today is the opening day of the other ten branches, the deposits of these ten branches today have reached a full 53 million gold coins!
In other words, the total amount deposited today is more than 60 million, plus yesterday's, it is more than 70 million gold coins!
Of course, this is not Zhang Feng’s money, it’s just something that someone deposited with him.
But it does not prevent Zhang Feng from making money with this money! The amount of money loaned out today is not much. All banks add up and add up to only more than 8 million. It is not that there are few people who apply for loans, but that many people are under review. Those who are approved are all high-quality customers rated by the bank, and there are still many people waiting in line.
Based on the calculations over the past two days, assuming that the 70 million gold coins are deposited for a maximum of six months with an annual interest rate of 0.3%, then Zhang Feng will need to pay an interest of 210,000 after one year.
Assuming the loan of eight million gold coins is also for one year, with an annual interest rate of 5%, the interest earned in that year would be four hundred thousand.
Four hundred thousand minus two hundred and ten thousand.
All of a sudden, the gross profit is 190,000 gold coins? "Is this what it feels like to be a capitalist? Love it!"
Even though he knew he could make money, Zhang Feng still felt it was a little unreal after actually experiencing this feeling.
It's so cool to make money this way! However, Zhang Feng was not carried away by joy. He had to keep a close eye on the affairs of Hongye Bank and there couldn't be any mistakes.
Because making money is secondary, the reason why Zhang Feng got the bank out at this time is not just to make money! At this time, Danga Kingdom.
On the third day after Shu Daqiang arrived in Danga Kingdom, a heavyweight figure finally showed up.
"I heard that your caravan has a wide variety of goods? You can buy anything? Is that true?"
"Of course it's true, provided you have enough gold coins!"
"But because of the war, I don't have many gold coins left..."
"It's okay, we can lend you gold coins."
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