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As the first bank in the history of the Song Dynasty and even the world, Xin'an Bank is not too far beyond the times. More than 70 years later, Venice, with developed marine trade, established the world's first bank. The contemporary Song Dynasty's GDP was the best in the world and its business was extremely developed. The wealthy households and merchants in the Song Dynasty also had huge demand for the banking industry, just like Venetian merchants.

Jiaozi was not the first Luo Feng invented it. It had already had "flying money" in China in the Tang Dynasty. Jiaozi, the earliest banknote in the Song Dynasty, also appeared first in Yizhou, Sichuan. The people of the Song Dynasty quickly accepted the concept of banking and began to enjoy the convenience brought by banks.

The important reason for the frequent shortage of money in the Song Dynasty was that the rich had no better investment direction except for investing in and accumulating land, so they hoarded the excess coins they earned to maintain their value and increase their value.

Whether annexing land or hoarding money without using it, it is a great harm to the economy and erodes the foundation of the country.

Luo Feng opened a bank and absorbed the money hoarded by wealthy banks by attracting deposits, gave a certain amount of interest, and then distributed it to the people in the form of demonic dangers. This is a disguised method to promote the circulation of money, with the purpose of alleviating money shortage and stimulating the economy.

The wealthy family's money trough is at home, and the value-added efficiency must not be placed in the bank, and the warehouse and security costs are exempted. There is no need to worry about thieves visiting them, which is a killing two birds with one stone.

The only thing to worry about is the credibility of Xin'an Bank, but with the reputation of the Jing family, Jing's old man, and the strength of the Luo family's richest family in the Song Dynasty, the depositors are not worried that the government will intervene and forcefully collect banks, and the other is not worried that the bank reserves are not enough to repay the gold, so they actively save money and send the metal currency they have hoarded into the bank vault for transactions or certificates of deposit.

Shortly after the bank opened, it absorbed huge savings funds. At the set interest rate, the bank had to pay a considerable amount of interest every day. If the money was not borrowed and collected the loan interest rate, it would be equivalent to losing money every day.

Like the wealthy households in the Song Dynasty, Xin'an Bank had no investment channels after accumulating wealth. After all, no matter how prosperous the business in the Song Dynasty was, it was a feudal country. Capitalism had sprouted but did not prosper. There was neither colonies nor markets overseas, and I didn't know who to lend to.

Jing Xiaolou was very worried about this, but Luo Feng disagreed. As long as the bank's credit is reliable and depositors do not fight for the run, the money they lose is actually the number on the account.

The financial industry is different from general business. This is not the case for whether it loses money or not. Unless the economic bubble bursts, macro-control and micro-control have a problem and a nationwide 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 sell goods to the demon world, and whether the Song Dynasty will enter the era of sailing like the sun will not set, this is not something Luo Feng has considered in the short term. Anyway, he will leave after ten years, and first cheat the money of the wealthy family in the Song Dynasty and do the work.

Banks and insurance companies were operating stably for a period of time and were widely praised by the people of the Song Dynasty and recognized and accepted. Luo Feng joined hands with Jing Xiaolou to establish the "Song Demon Subduing and Demon Elimination Foundation" in Yuzhou.

Relying on Xin'an Bank and Xin'an Insurance, the foundation uses the profits of both to pay bonuses to all the heroes in the world who have killed the demons.

There are two types of bonuses:

The first is the subsidy for professional titles. As long as you register with the foundation and you can obtain a hero's title after a comprehensive evaluation, the title rating is: "Heaven and Earth A, B, C, D..." The strongest hero is called the "Heaven and Font" hero, and the second-class is the "Local and Font". The following are sorted in order: Class A, Class B...

The second type is to hunt demons and hunt demons for bounty, and a temporary bounty is issued based on the strength of the demons killed by the hero and the severity of the harm caused by the demons. The demon disaster has also taken place.

The first bonus, the foundation says, is to avoid the worries of heroes. Although the cultivation sects that occupy the seventy-two immortal worlds in the fairy sword world call themselves immortals, their disciples still choose from the mortals in the human world. All expenses must be purchased in the human world. Even if they become immortals, they cannot eat the wind and drink dew, and their families still need to take care of them.

These immortal sects are not very engaged in production. They maintain the sect's funds from the bodies or nests that have been wiped out, and it depends on the weather. If several poor monsters are wiped out in a row, the entire sect will have to save money for a period of time.

The economic problems of the Shushan Sect are particularly serious. Jiu Jianxian can't afford to drink wine and play tricks everywhere. Li Xiaoyao became the head of the sect. His wife was obviously a martial arts giant in Jiangnan. In order to supplement the Shushan Sect, she was able to make up for the Dao name and became a poor person. This can be seen.

In comparison, the Great Compassion Bodhi Mingzong, which ranks second in the world, is much better. The other sect has temple products and incense and oil in Kaifeng, and lives a lot more nourishing than the unearthed Shushan Sword Immortals who hide in the hanging mountains.

The second bonus is to encourage more people in the martial arts world to eliminate demons and monsters, learn the techniques of subduing demons and demons, so as to control the number of demons and reduce the occurrence of demon disasters.

Martial Arts people who register as a hero of the foundation can get a free maximum amount of "demon insurance". Once they accidentally overturn their car when eliminating demons, they will receive huge compensation from the insurance company, ensuring that their family will have no worries about food and clothing for the rest of their lives.

In addition, registering heroes can also get a welfare treasure. There is a portable phone bug. Through the phone bug, you can get a national demon disaster report from the Foundation Demon Information Center in real time. You know where there are monsters, how strong or weak monsters are, and who is going to deal with the monster disaster outbreak.

The source of the demon intelligence of the information center is the report of the demon insurance compensation reported by the people. Once people in all parts of the country are injured, they will immediately go to local banking and insurance outlets to report the losses, which is equivalent to the people across the country being the eyes and ears, and the information center has obtained first-hand information.

The establishment of the Demon-Suppressing Demons and Demons Foundation caused an uproar in the Central Plains martial arts world. There were supportive sects and opposing sects, and public opinion was in full swing for a while.

Many martial arts masters and disciples of the hidden immortal cultivation sect who were hidden among the people were attracted by huge bounties and complete welfare systems to register at the foundation. In the past, they were responsible for subduing demons and eliminating demons, but accidentally overturning the car was a miserable life. Although they had justice and had to recharge their faith, they always felt that they were not motivated.

Now that three insurances and one fund are complete, the logistics support is strong, and there is still money to make money after taking risks. The foundation has also developed a hero ranking mechanism, which can become famous all over the world and mobilizes everyone's passion at once.

In the first year of the Yuan Dynasty of the Song Dynasty, wealth, power, and finance, Luo Feng, once had everything before going bankrupt, announced to the knights of the Central Plains: "Do you want my wealth? Then go find it, everything about me is there, in Nawei... cough cough, dirty... demon's nest!"

As a result, more and more people rushed to the mountains, forests, wilderness and graves, and entered the dirty demon nest, and the world ushered in the era of great demons!

Countless passionate young men like Li Xiaoyao with dreams are determined to become the hero king!
Chapter completed!