Start, Unlimited Skill Tree!

For nobles, profound knowledge is a manifestation of proving that their family is long enough and ancient.

That's what they're proud of,

It is also the biggest difference between them and the untouchables.

But now there is a word that they don't understand at all, and they have never heard of it.

"The so-called national debt means living beyond your means.

Based on the credit of the country,

Through the issuance of national bonds by the empire, funds were raised by issuing IOUs to the people, and a certain interest was promised.

When it expires, citizens will take the IOU and get back their wealth with interest.

In other words, to put it simply, it is to spend the future financial revenue of the empire in advance. "

"Eat enough food for free?" '

Very good, it is another new term that cannot be understood together.

But this does not prevent everyone from understanding the meaning of the words behind Yan.

A group of nobles felt a little disappointed and weird.

Having said so much, isn't it just asking the people to borrow money?This is not the same as when someone proposed to borrow money from nobles.

I thought it was such a mysterious and esoteric concept.

To borrow money in the name of the country——

The idea of ​​'national debt' is very new in the eyes of the nobles, but it still hasn't changed much.

"Isn't this similar to a loan between nobles?

According to me, I should adopt my previous proposal and raise funds and donations from the wealthy nobles of the old school! "A new nobleman said excitedly and excitedly.

Flame shook his head.

The voice of this new nobleman seemed to be stuck in his throat, and he looked at Yan with puzzlement and resentment.

Is he not right? !

Yan: "The issuance of national debt is voluntary. It doesn't matter whether businessmen or ordinary people buy it or not.

Its threshold can be as low as a gold coin.Even ordinary well-off families can buy it.

The empire can use this to raise a large amount of gold coins.

But forcing people to raise funds can easily arouse rebellious psychology, and it will also expose the emptiness of the empire. "

"But won't the issuance of national debt also expose the financial problems of the empire?!

Although your proposal is good, it will still have a lot of negative effects on Atlanta. "

An old nobleman frowned and said in a deep voice.

Although he expressed his gratitude to Homura for the new method, which prevented him and others from being stared at by those rising nobles for surgery.

But whether it is the old school or the new school, they are all thinking about the future of the empire from the bottom of their hearts.

In a country that has experienced blood and fire, it is time for the king and his subjects to work together to gradually lead the country to prosperity.

It is precisely because of this that even the nobles restrained their selfishness and desires.

Homura naturally thought of this question.

In this world where productivity is backward and capital ideas are in their infancy.

'Catch the chicken and lay the egg' is probably the best way these nobles can come up with.

Want to keep the empire strong externally, while not revealing internal emptiness and cowardice,

He has already prepared the best of both worlds.

And this is not a hasty temporary decision, not a plan that was prepared because of the empty treasury at hand, but something that has been preset long ago.

It is the new big reform that Homura mentioned before.

Now that the territory has doubled——

The transformation area of ​​Yan does not need to be limited to the small Principality of Ceylon.

"Let's make an alliance! Grand Duke of Ceylon, King of Atlanta." Without directly explaining anything, Homura first looked in the direction of Hitty and Rhine.

Both girls were stunned.

'alliance……? '

"Master, Sister Hitty and I have always been loyal allies." Rhine wondered.

The Principality of Ceylon and the Atlanta Empire have established a lot of diplomatic relations, and even often sent troops to help Atlanta during wartime.

"I don't mean that kind of temporary alliance. It's a formal alliance!" Yan looked at the two women with piercing eyes.

Not only in the military, but also in the economy to achieve complete unity!

At this time, Homura finally mentioned the second concept of 'bank' again.

Banks--financial institutions established by law to deal in money and credit--are opened in various cities in Ceylon and Atlanta.

Money savings businesses were opened everywhere to encourage people to store gold coins in banks.

When you need gold coins, just go to the bank and you can withdraw cash.

In this way, the concept of time deposit is proposed.

Merchants and aristocrats with surplus money can choose the shortest three-month and longest five-year deposit method.

Gold coins can only be withdrawn at the agreed time.

But the bank will give the depositor a rate of return on the fixed deposit amount.

The longer you save, the more interest you earn!

This novel financial management method instantly attracted the attention of the old school nobles.

They stared wide-eyed, looked at Homura in shock, and immediately realized the ingenuity of this bank.

The country can borrow money from fixed deposits to develop the economy rapidly and become richer, stronger and more prosperous.

And those who keep their money in the bank will also receive more money in the future.

It not only meets the needs of development, but also allows the people to get substantial benefits.

This is much more decent than directly asking rich businessmen and old things (nobles) to forcibly 'borrow money'.

"How, how can you still raise funds in this way?" The new nobleman couldn't help but muttered, and fell into deep self-doubt.

'Why didn't I think of that?

Such a simple and useful method.what! '

-------------Chapter Dividing Line---------------

certainly--

If the bank was really that good and easy to build, Yan wouldn't just bring it up now.

Under the premise of all this, it is necessary to ensure that the people are willing to deposit money in the bank.

In this era where gods and dragons coexist and major races are hostile and vigilant against each other.

If a dragon attacks at random, one mouthful of the dragon's breath can flatten the capital of a kingdom.

Without sufficient force and prestige, it is impossible to protect the bank well and establish the prestige of absolute safety of the bank in people's minds.

And there is the original land of the Northern Church, Atlanta, plus Ceylon, an alliance of two giant empires and large duchies.

Among the human kingdoms in the surrounding area, there is no alliance stronger than theirs.

And as the victorious country that has won successive war victories - Atlanta.

After showing off his powerful muscles...

In the eyes of those opportunistic businessmen, is there a better place to settle and store wealth than this?

If you heard about the existence of the bank, there is a state guarantee behind it, no wealthy businessman would refuse this temptation called 'safety'.

Human beings are all creatures who pursue peace of mind, and no matter how much they pay for it, it is worth it.

"Not only that, but we can also issue special virtual currency to replace real currency for the exchange of general equivalents." Yan added with a slight smile and squinted eyes.

"Virtual currency?"

Everyone spoke in surprise, at this moment they saw the 'Sage' in front of them took out a piece of magic crystal and slowly walked to the conference table and put it on it.

"Everyone knows about this."

"Magic crystal...that's not..."

The alchemical product of the legendary troubadour Hans Christian Andersen's published works,

At the same time, in people's eyes, there is also something unclearly related to Merlin, the magician of flowers.

At this time, the other party took out the magic crystal and wanted to do something.

"You all know that the updated epic in the magic crystal, you need to go to major bookstores to pay to unlock the follow-up part.

If we say, we set up a virtual currency.Gold coins can be traded into this currency in the bank and used to buy equivalent objects.

Let’s imagine a situation like that... Will the people of Atlanta and Ceylon be able to get rid of the shackles of money when they go out in the future?You only need to swipe on the magic crystal to complete the transaction of huge numbers of items! "

That's right, does it sound familiar? Alipay is now online.

"At that time, the empire can greatly save the cost of minting coins, and can also speed up the circulation of currency and stimulate the development of commerce.

Merchants travel to buy and sell, no longer having to escort convoys full of chests of gold coins.

What this means, you should know! "

"We will establish a new financial system, and this convenient virtual currency will affect all surrounding humans and nations in the future.

The currency exchange rates of various countries will be linked to this.

At that time, simply adjust the exchange rate.

Guess what happens when I change the next number? "As Homura lightly raised an index finger to his lips,