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

However, in the history of the world of fairy swords, there is no battle for Pingxia City. If this year is recorded in history, the major event recorded will be the birth of the first bank in world history.

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

The establishment of this bank is of epoch-making significance for the history of the Xianjian World. Later history books are many times longer in the history of the Song Dynasty than in modern history.

Luo Feng injected 10 million taels of gold into Xin'an Dang and obtained 51% of Xin'an Dang's equity. Jing Xiaolou invested with the Xin'an Dang brand, accounting for 40% of the equity. The Song Dynasty court held 9% of the equity. It was also recognized that Xin'an Dang could operate national banking business.

The court wanted to be tough, but the Luo family and Jing family were not easy to mess with.

In this world with extraordinary power, the Jing family's family background is unparalleled. Legend has it that Mr. Jing is a godly general who descended to earth. Even immortals in the court cannot afford to offend the godly general who descended to earth. Not to mention the descendants of the godly general who descended to earth.

Although the Luo family is not as exaggerated as the Jing family, they are not afraid of the court. This wealthy family is a giant maritime trader, saying that they have countless industries overseas.

The Luo family's gunboats dominated the coastal areas and monopolized the Song Dynasty's ocean trade. If the Luo family angered, the fleet anchored on the coast could block the sea border, locking a country with one family, and cutting off the Song Dynasty's sea trade.

These two families are united, one is rich and the other is powerful, and the Song Dynasty court can only do nothing.

The Minister of Revenue wrote a letter crying and asked the court to send troops to wipe out these two tyrant giant family members. However, some of the important officials in the court were knocked over by Luo Feng's golden bullets, and the other part was worried that the Jing family could not afford to offend them. After a verbal battle at the court meeting, it did not make any sense, so the matter was left unresolved.

Xin'an Bank's semicolon immediately bloomed everywhere in China. Xin'an Bank's business was somewhat similar to the old money shops. It not only had the basic functions of savings and lending, but also had the "flying money" function of depositing and withdrawing from 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 Tiansheng in Renzong (1098). It is known in history as "Kun Jiaozi". The circulation scope is also in Sichuan, but it was quickly abolished due to credit issues.

When the bank was first opened, most of the businesses used were merchants in Shu. After all, the world of Xianjian is full of demons and ghosts, and the road is very unsafe. If you deposit money at the local Xin'an Bank and then withdraw it in another place, you will avoid the risk of carrying a large amount of gold and silver.

In ancient times, if you want to achieve remote access, information transmission was a big problem. In ancient times, there were no telephones and telegraphs and the Internet. The fastest transmission method of flying pigeons was the fastest transmission method. Carrier pigeons could fly 60 or 70 kilometers per hour. This was the fastest information circulation speed in ancient times.

The most important thing that banks can realize deposits and withdrawals in other places, deposits and exchanges is that there are fast information interaction methods between outlets.

In ancient times, the transmission of messages was usually done by fast horses and carrier pigeons, but Luo Feng didn't want to raise so many pigeons and horses. After all, the amount of information carried by pigeons was too small, and the business volume in the future was large. It was really troublesome to build a huge pigeon shed at every bank outlet.

What's more, there are many monsters in the world of Fairy Sword, and pigeons and messengers are easily caught by monsters in the wild as snacks, which can easily make things happen.

In the world of Xianxia, ​​there are also magic weapons for transmitting messages from thousands of miles and posters of thousands of miles, such as "voice transmission magic snails" and "circular light treasure mirrors". However, these magic weapons are expensive and rare, but they cannot be equipped on a large scale and are popularized to every outlet in the country.

As for launching communication satellites, the sky on the Xianxia side world is very strange and cannot send the satellite out of the atmosphere. No matter how high the rocket flies, it is just spinning in the first level of the sky, and it cannot break through to the second level, let alone flying above the thirty-third level.

Luo Feng even doubted whether he would directly shoot the rocket into the heavens if he flew too high, which would disturb the gods' cultivation.

When establishing a radio tower, the strange fairy energy in the air interferes with the signal, the transmission effect is very poor. If you pull the telephone line, Luo Feng really doesn't want to plug one electric column and one electric column all over the country.

Fortunately, Luo Feng’s warehouse is very large. After searching through it, he found a suitable replacement, which is the phone snail (phone bug) from the Pirate World.

Luo Feng stored a lot of telephone snail eggs, hatched them and sent them to major outlets across the country, and established a telephone network, claiming that this magical rare beast was the foreign version of the sound transmission magic snail obtained by Luo Feng's father Luo Diguo during the sea trade.

With the help of telephone snail, Xin'an Bank's information circulation rate is the highest in the Song Dynasty. It is known that the entire network is real-time. If you save money in Shu, you can cash it in Chang'an City in ten minutes. It is so convenient and fast, and it is unmatched by any money house in this era.

After the establishment of Xin'an Bank, Xin'an Insurance was also established. The people of the Song Dynasty were still unfamiliar with the word insurance. Xin'an Insurance's salesmen tried hard to explain and told the people that as long as they invest a little money every year, if they encounter a demonic disaster, the insurance company will pay the compensation according to the amount stated in the contract.

The disasters encountered by demons can be compensated accordingly, whether you lose property, get injured, or even die.

At first, no one cared about this business, thinking it was a scam, but there were also curious idle people, or they were about to buy it through merchants in the area where demons appeared.

After really meeting a demon, the merchants came to the insurance company with insurance policies. The insurance company sent a claim handler to the scene and used treasures to detect the demon's aura to investigate. When they found that the spiritual jade had changed color, they could basically confirm that the situation was true and paid the compensation.

It is worth mentioning that many disciples of the Shushan Fairy Sword Sect have received part-time jobs as insurance claims handlers in Xin'an Insurance. After all, their daily business is to eliminate demons. Once someone reports that demons are present and hurt people and destroy things, they always have to rush to the scene with flying swords and write a survey form and hand it over to Xin'an Insurance to get a salary. Why not do it?

With a bumpy blow, banks and insurance companies actually started to open up. Of course, at the beginning, they didn’t mention any profits. Even the money they lost every day was a huge rich man like Jing Xiaolou, who was worried.

Luo Feng had a calm expression just like sprinkling water, as if he was not paying his money.

Luo Feng really didn't take this little money seriously. It was just 10 million taels of gold. Even if it was calculated using modern weights and measures, it was only 5,000 tons. There were still many things to lose in his warehouse.

If you want to make a big deal, it is normal to lose money in the early stage. If you don’t do a few rounds of financing and pay a few more rounds, you will be embarrassed to go out and say that you have started a business.
Chapter completed!