Little Divine Doctor's Cultivation

Set up exchange banks, all knitwear transactions, all with woven currency, the rest are not accepted.

A lot of insect coins, everyone wants to exchange for high-grade insect coins, easy to carry, but no one is willing to exchange.

Now, not only do we have silk currency, but we can also save money. When we save money, we have interest and we can borrow money. But we must buy a house here and mortgage it with our house.

So a financial system was set up.

It's easy to learn how to run a bank if you want to learn finance in your hometown.

Just three days after operation, Ning caichen was surprised to see the performance of the bank.

The newly built summer has not started construction. It has sold out, and it has received as much as 100 billion currency.

Now Mengya requests Ning caichen to be promoted.

But rather caichen did not dare to take risks, in case a person to advance need double energy?

At that time, not only can not be promoted, but a waste of money.

In the seventh layer, energy consumption is usually supplemented by money, but it is not similar to that in the sixth layer. If you take as much as you want, you can be promoted.

In the seventh layer, you need to consume energy every day. If you don't replenish in time, you will lose the level.

You must take enough insect coins at one time each time, otherwise you can't improve your cultivation.

Finally, he decided to be promoted to the king of justice at the same time.

Promotion did not feel, just see the black gauze hat from the stars into a crescent moon, there is no other feeling.

"Husband, this is how banks make money." Meng Ya sighed.

Depositors save about 10 billion yuan, but loans are 500 billion yuan, and the capital is only 100 billion yuan.

Every day is only one thousandth of interest, the impression every day has 50 million income.

The currency is calculated according to the cow currency, and the insect coin is a large amount of money.

In addition to the house, the mortgage also has precious minerals and other valuable items, so there is not much money to sell the house, most of which are rented.

"Husband, 100 billion working capital, how does 500 billion come out of 500 billion?" Meng Ya said curiously.

"Ha ha! We have sold more than 300 billion houses, 80% of which are loans, and only 20% of the loans are collected. Therefore, 80% of the money is not available, but interest is being charged. Some customers borrow money from us, and then give it to the merchants. The businessmen are saving their money to earn interest, so the money we borrowed comes back. That is, one million dollars. After several people loan, the money is still one million, but it turns out to be 10 million loans. "

Ning caichen is very patient to explain for Mengya.

Dream ya a Leng, did not notice this aspect of the bank before.

If a depositor saves 10000 yuan, he can get a loan of 10000 yuan. If he has no money, how can he lend to others?

In case 10000 yuan can only be lent out, only 100 yuan, will it be a loss soon?

Where do you think of a bad check?

It's faster than printing money. Money is rolling in.

Then the bank went to the imperial city.

The Imperial City knew that they could borrow money and save money with interest, so they immediately put their money into it.

But to save money, you must convert it into silk currency, otherwise there will be no interest.

And a city cooperation, a bank opened.

As a result, money became silk currency, and a huge financial system was established in just a few days.

Every city house can be mortgaged, precious goods can also be mortgaged.

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