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.

更不要说，这红叶银行还有伊莎蓓尔女王陛下的背书。

红叶银行的背后不光是红叶城，是张枫大人，还是整个巴克王国！

所以，银行的信誉问题，是大家绝对相信的！

那么现在问题就很简单了，只需要考虑，要存多少金币，存那种方案就行了。

所以，当搞清楚银行的功能后，瞬间，无数人立刻离开银行，都跑回家拿钱了！

哪怕是那些手里需要庞大流动资金的商人们，也不例外。

毕竟这是白给你的钱啊！

存个活期，需要的时候就取出来用，不需要的时候就放在银行增长利息，何乐而不为？ 毕竟把钱放在自己手里，不但天天得派人守着，还得防止监守自盗，甚至有那种多疑的人天天还得数，一次两次数钱很舒服，但你天天数，甚至都当成工作了，那就不舒服了。

不过，有人愿意把钱存进银行，自然也有人持观望态度。

这些观望的人基本上都是从别的地方过来的人，有的从正在重建的巴克王都来的，有的从曾经的伽马国、落炎国来的。

倒不是说他们不相信张枫、不相信红叶银行。

相反，经过这段时间张枫揽下重建巴克王国的重任后，张枫的所作所为都被大家看在眼里，这是一位真正会考虑到每一个人的贵族大人！ 所以信任肯定是有的。

原因很简单，就是他们不在红叶城长待，他们来这里基本上都是慕名而来，像是旅游一般，迟早还会回去的。

所以他们觉得，眼热归眼热，但如果把钱都存在这里了，回家了怎么办？难不成再跑一趟取钱？ 像那些离得远的人，可能一趟路费就把存款一年的利息花了，所以没必要。

这些人，摇头叹息，要是这个红叶银行开在他们的城市多好啊！ 然而，红叶银行或者说张枫大人好像知道他们的想法一样，红叶银行的工作人员告诉他们，红叶银行，远远不止一个！ 红叶城的红叶银行只是总部而已，目前在巴克王国除了红叶银行总部外，还有十家红叶银行分行，这十家分行平均分布在巴克王国其他的大城，比如巴克国王都，原伽马国王都，原落炎国王都等地方。

他们都将在明天开业。

而且这十家银行只是暂时的，张枫大人说了，在未来一年内，要让红叶银行遍布巴克国每一座城市！ 最重要的是，这些银行之间的信息是互通的，就像火车票务系统一样。

也就是说，你在红叶城存的钱，在你家乡的银行同样能取出来！ 这一下子，那些观望的人也坐不住了，既然家乡有银行，并且数据互通，那有什么理由不开个户存钱呢！ 于是，红叶银行大厅爆满。

一个个地全都拿着钱袋挤破了头往里钻，生怕晚了银行不收了。

仅仅一天的时间，红叶银行收到了一千万枚金币的存款！

这个数字，就是张枫都吓了一跳。

这仅仅是第一天而已。

果然，世界上还是有钱人多啊！ 至于这些钱的安保工作，张枫早就做好了，在红叶银行的地下深处，有一个金库，大部分金币都放在这里，有很多人看管，绝对地安全。

当然，张枫也不会让这些金币呆在这里太久，如果不花出去，那他这个银行开的就毫无意义了。

于是，第二天。

银行门口乌泱泱的一大片人，这是昨天得到消息，天不亮就来排队的。

虽然银行明确表示，不会拒绝大家的存款，无论你要存多少，银行都能吃得下，但还是有人不放心，毕竟银行就那么大，能装多少金币？万一装满了怎么办？ 银行一开门，大家就兴奋地挤了进去。

不过今天和昨天不太一样，除了存款业务外，银行又多了一个业务——贷款！ “什么是贷款？”

有人发出了疑问。

红叶银行工作人员很细心的解答道： “贷款就是在你需要用钱的时候，银行可以把钱借给你使用，当然，我们会收取一点点利息。”

“咦？银行竟然愿意把钱借给我们使用？那需要多少利息？”

有人感兴趣了。

在这个世界，借钱是常见的事情，尤其是那些商人、贵族之间，谁还没个困难的时候？ 不过想要从别人那里借到钱，除了和对方很熟悉之外，需要付出的代价也是很大的，一般都是一年十分之一的利息。

之所以这么高利息，原因也很简单，这里医疗水平不发达，社会也不是很安定，说不定什么时候债主就嗝屁了。

如果对方有家人还好，如果没有家人，或者家人找不到了，那这就是一笔坏账，借钱之人需要自行承担。

之前也有精明的商人做借钱的生意，但被几次恶意借钱之后赔了不少，甚至因为名声打出去了，还有专门的马贼来“借”钱，这更加难受了！ 借高利贷这个行业，在这里出现过，但也只是昙花一现， 归结原因，还是因为这里不太平，人家可以借，也可以抢，从某种程度上来说，能借钱的人，都不是一般人。

所以，对于红叶银行愿意把钱借给普通民众，让大家都很好奇。

“只要审核条件通过，无论是谁都可以向银行借钱的，至于利息，也是分为几个选项，比如六个月到一年后还，年利率百分之五，一年至两年后还，年利率百分之八。”

这利息不算高，但对大部分人来说，他们并不需要借钱，像在红叶城，只要你肯努力工作，最起码也能有一口饭吃，所以还没到借钱的份上。

不过对于一些商人来说，贷款显然吸引了他们。

本来借钱就是一个难事儿，现在红叶银行出来了，大家都把钱存在银行了，更加难借了！

他们想要做大做强，再创辉煌的话，手里没钱是不行的，所以这个贷款，他们觉得有必要了解一下。

也有那些嗅觉比较敏锐的商人，看到贷款后，突然恍然大悟。

他就说为什么好端端的，张枫大人要替别人保管金币，还给别人钱呢！原来在于贷款！

一边收着大部分人的储蓄，一边又借贷给别人，一个是千分之一左右的利率，一个是百分之五左右的利率，这一进一出，就是五十倍的利润啊！ 天！ 这钱赚的也太容易了吧！

想到这些的商人们暗自咂舌，他们立刻想到，这个五十倍利润的生意，自己能不能做？ 但很遗憾，想了很久，他们发现，这个生意也只有张枫大人才能做的了。

毕竟，光是银行的信誉问题，别人就没办法和张枫大人比。

你开银行可以，但没人存钱的话，你拿什么贷款给别人？

所以，他们也只能默默的羡慕了，该存钱的继续存，有贷款想法的，也在研究如何贷款、贷多少款合适了。

又是一天时间过去了，晚上红叶银行总结的时候，张枫露出满意的笑容。

今天虽然总行的存款没有昨天的多了，只有八百万金币，但因为今天是另外十家支行开业的日子，这十家支行今天的存款额达到了足足五千三百万金币！

也就是说，今天总共存了六千多万，加上昨天的，七千多万金币了！

当然，这不是张枫钱，只是人家存在他这的。

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."