Due to the limitations of the times and vision, Fatty Shi only regarded the issuance of gold coins as expanding his family's power and influence, which made Lorist feel very sorry. But this can’t be his fault. Compared with Lorist’s previous life, the gold coins issued by all countries in Galintia have the same formula ratio, the same gold content, and the value is reflected in the weight. The profit of minting gold coins depends on the loss of materials. Compared with this, this has caused the entire financial industry in the mainland to be very backward.
Merchants are profit-seeking. Lorist remembers that in his previous life, when he was the manager of a small handicraft factory, he listened to a few financial experts' lectures. The history of finance can be traced back to the Middle Ages, when Jews who lost their homes wandered in Europe. Pay attention to the price difference and profit in the gold coin exchange of various kingdoms. So the origin of the Jewish nation being called a commercial nation is that their earliest foreign operations were three kinds, usury, gold coin exchange and grocery store, that is, these three businesses allowed them to complete their wealth accumulation after thousands of years, and influenced the whole world in later generations economic development.
The Galintia continent is different from the Middle Ages of Lorist's previous life. The Serkin Temple, which is in charge of wealth and business, replaced some of the functions of the Jews, and in some respects they did better than the Jews. For example, use the credibility of the temple to value property, real estate and collection items, notarize and guarantee endorsement of various commercial contracts, issue gold dollar coupons instead of gold, and make loans to lords, chambers of commerce and the state. In a way, the Temple of Serkin already has some functions of a modern bank.
However, compared with modern banks, the Sejin Temple does not have deposit and withdrawal services. It serves large chambers of commerce, repayable lords and countries. It lacks interest in private business, and at most it is for travel. Merchants exchange gold dollar coupons for easy portability. It is also because of this that the influence of the Sejin Temple has been unable to expand for a long time. Except for businessmen, there is no belief among ordinary people. Just like after the civil war broke out in the former Krissen Empire, the Temple of Serkin withdrew from the entire empire. Until now, the Temple of Goddess Serkin, which is closest to the Northland, is still in the city of Morente in the Commercial Alliance.
Now that Fatty Shi proposed to issue the family's own gold coins, what Lorist thinks is that a family bank should be opened to issue gold coins, provide loan support for the newly opened mining workshops in the family territory, and carry out personal deposits and withdrawals. business. What is beneficial to the family is that no matter what workshops are privately opened in the family territory, the Norton family naturally owns 30% of the shares. Lorist feels that after opening a bank, loans can be used to reduce the pressure and burden of these private enterprises, which is conducive to production. And competition, in addition, there is a bank to conduct financial audits, which avoids the risk of fraud and fraud.
Most importantly, Lorist hoped that the finances in the family territory would be controlled in his own hands, and use the bank to relieve the enormous economic pressure on the development of the family territory and military operations. The habit of people in Galintia is to hide and bury their accumulated gold coins in case they are needed in case of emergency. There are nearly 1.5 million people in the territory of the Norton family. Like Fengleyuan, which was first developed, according to Director Speer's estimation, the people here should be the first to become rich, and each household has no less than With a net worth of more than ten Goldfords, this is one of the reasons why Manager Speer hopes to increase taxes.
The Norton family wiped out the kingdom of Haneyabada with armed forces, and the gold fortune they gained from this slave country alone reached 27 million pieces, and then Lorist spent more than 10 million in extravagant investment in the next two or three years. . According to Lorist's experience in his previous life, investing such a large sum of money is likely to cause an economic crisis in the family territory with skyrocketing prices, but it is a pity that the family territory is calm. There are two reasons for this. One is that the consumption needs of the citizens are not high, as long as they have enough food, clothing and warmth to live in, the second reason is that the citizens who have earned money hide their gold fortune and do not spend it. The more Lorist threw it, it was like throwing it into a bottomless pit, without the slightest echo.
Lorist took a piece of kraft paper and wrote the word "Bank" on it. He hoped that these administrative matters in the family territory could be settled within this year. Grand Duke Lun dealt with it. At that time, all development and management affairs in the family territory will be handed over to Fatty Shi, so he must write down his own ideas clearly before handing over to Fatty Shi.
November was spent in a busy meeting. Fatty Shi was amazed at Lorist's proposal to open a bank, and then proposed to place a statue of Goddess Serkin in the bank, and let the bank replace the role of the Temple of Goddess Serkin. This is Fatty Shi's bad taste. He really wants to see what kind of expression he will have when he finds out that the richness of the North Land came to submit the application for the establishment of the Temple of God, and at the same time finds out that the bank has replaced the function of the Temple of Goddess...
Lorist finalized the list of nobility again. The family plans to confer nobility this time with a total of two viscounts and twelve barons. Unexpectedly, the two viscounts were Master Sid and Master Falin. The reason for the canonization is very simple. Without them, the family would not have Sid Steel Armor, Chariot Steel Crossbow, and Thunderbolt. The catapult, this is the most fundamental condition for the Norton family to be invincible, and it is also the biggest reason for the slight casualties after many wars. It is said that when receiving the canonization order, Master Sid cried like a seven or eight-year-old child, knelt down and swore that the Sid family would be loyal to the Norton family from generation to generation and would never regret it.
As for Master Falin, he fainted from excitement, and after he woke up, he asked his son to slap him to see if he was dreaming. Among the twelve people who were canonized as barons, Bodfinger, Tiger Ross, Iron Mask Malek, Magic Arrow Jost, White-haired Berunek and Mercenary Farea were the six golden men who followed Lorist the first time. Not surprisingly, the knight was included in the canonization list, followed by Steward Hanske, Steward Speer and Steward Kedan. These three are the three stewards of the Norton family's Maple Forest Villa. Having served the Norton family loyally for many years, after Lorist returned to the family territory to inherit the title and territory, the talents of the three were brought into full play and made great contributions to the development of the family territory.
The last three candidates to be promoted to baronet caused some controversy. The first one was Fatty Shi. Compared with Yuri and others, he always felt that he was promoted too fast. The second place is Master Julien, and the reason is also technical, but as a master of refining steel, his achievements are not as clear as Master Sid and Master Falin, and there are many discussions. There is also Baron Camorra, whose canonization is the most controversial.
Baron Camorra was originally an honorary baron canonized by Lukins, the former Grand Duke of the Northland, but after offending the Grand Duke, he was thrown into prison and deprived of his noble status. After saving him, Lorist cherished his talent and let him work for the family. Baron Camorra started as a low-level clerk, was appreciated by Chief Kedan, and was promoted step by step to the top. Finally, he was appointed by Lorist as the chief of the family's most secret weapon production base, Hearthburg, and the head of armament logistics. Since taking office, the Norton family's armaments have never had problems, and waste and production costs have been greatly reduced. It was only then that Lorist resisted all opinions and canonized him as the baron of the territory.
After getting the canonization order, Baron Camorra also locked himself in the room and cried for a long time, then packed up and went out to visit the house of the seventeen nobles named Baron Gistet who had been transferred to Rock Castle, because this Gist Baron Stuart had a widowed sister who lived with her brother with a seven-year-old son. The purpose of Baron Camorra's trip was to propose to this lady. Now that he has become the baron of the territory, he finally decided to continue the family name of Camorra.
In addition to the fourteen nobles of the new territory who were canonized, the northern land lords who were originally wiped out by Lorist and imprisoned in the Rock Castle will also be transferred to Dremke Province. Also become a vassal family of the Norton family, that is to say, the Norton family will become their upper lord. Just like Earl Spencer, he is now Viscount Spencer, and will serve Lorist in the future...
For these seventeen territorial nobles, joy and sorrow were mixed. The eight barons who were originally just barons were very happy. How could the North Land be compared with Dremke Province? It was the most famous granary in the former Krissen Empire. It would only be better if the territory was moved there. Life is already calling them. The remaining nine territorial nobles are very helpless. There is a big gap between the earl and the viscount, and from the viscount to the baron. However, the Norton family has taken care of them. It is already very difficult to keep a piece of territory even if the dynasty is in the wrong position. Fortunately, who told them to stand on the side of the dead ghost second prince.
After confirming the list of these transferred lords and newly conferred nobles, Lorist conferred six more honorary barons. The first one is Hickerd, who served as the governor of the Haneyabad Islands. As a governor, being canonized as an honorary nobleman means that when he leaves the position of governor, he is very likely to be promoted to a territorial nobleman, as long as he does not make mistakes. .
The second person is Papa Barek. In fact, Lorist wanted to confer him a nobleman of the territory, but he was unanimously opposed by his retainers. The reason is that Papa Barek's original position in the family was just the person in charge of a small copper mine, and his status was much lower than that of the three stewards. Compared with the three stewards, it is still worse, just like building a house, Papa Barek is laying the foundation, while the three stewards are building the walls. People often appreciate the tallness and beauty of the house, but forget whether there is a house. The foundation of the house is not solid.
The third is Master Ciroba, who was originally coerced by Lorist to work for the Norton family. The genius master of architectural design has become the chief person in charge of all the projects of the Norton family. He is now obsessed with a series of large-scale developments of the Norton family. Go, and extremely obsessed with using his own name to name the engineering projects he presides over, such as the West Roba Embankment, the West Roba Fortress, and the West Roba Avenue. Although most of the naming will be changed soon, but he still enjoys it. The newly completed fort and lighthouse on Niujiao Cliff in Niujiao Bay have just been named Xiluoba Fort and Xiluoba Lighthouse by him. In the end, Lorist made the decision, the fort is called Niujiaoya Fort, and the lighthouse is called Xiluoba Lighthouse …
The fourth person to be canonized was the dean of Nicole Academy, Lorist's lover, Miss Theresty, but she refused the title of baron, and asked to become a knight like her adoptive mother. For the title of nobility in the Galintia continent, jazz is just an honorary title, just like the title of knight. Obtaining the title of jazz means becoming a quasi-noble and can be treated as a noble.
The fifth and sixth baronets are the Norton family's current two first-level great sword masters Injerek and Hughes. The Hughes great swordsman may still have the hope of becoming a nobleman in the territory, and Injerek is Otherwise, this old man who has been promoted to a first-level swordsman is very satisfied with his current life and is too lazy to move. After returning from the Haneyabad Islands, he is only willing to accept the task of sitting in the Rock Castle, not like Hughes. The sword master is so willing to serve the family running around.
After signing these canonization and transfer orders, Lorist also concluded a major event. Although the order has been issued, the official effective date is January 1 next year. Lorist will hold a grand celebration banquet in Rock Castle on New Year's Day, one is to celebrate the New Year, and the other is for these vassal families. As the new Grand Duke of the Northland, Lorist will, like those grand dukes, hold such a New Year's banquet every winter, calling all the vassal families and their lords to gather and celebrate.
The newly conferred territories are all in Dremke Province, but these newly promoted nobles will not return to their family territories, because they still hold important positions in the Norton family. Except for Jost the Arrow, who entrusted his territory to the family management indifferently and only collected an annuity every year, the rest of the newly promoted nobles who were enshrined were entrusted to their family members or relatives to manage, and they had to The family continues to work hard to prepare for greater feats in order to obtain a higher title and conferment of the territory...
Apart from the bank preparations and canonization orders, the rest of Lorist's work was the real estate development he proposed. Chief Speer once proposed to raise taxes to make up for the excessive development expenses of the family because of the wealth of the people, but was rejected by Lorist. He has never seen a pig run and has eaten pork before. As for how to make the people in the territory willingly pay for the family, Lorist, who has experience in previous lives, can list countless methods even with his eyes closed.
Let’s try something simple first. Lorist’s suggestion is real estate development. There are seven towns in Fengleyuan and eight towns in Xing'anyuan. These are the earliest developed areas in the family territory. In the past six or seven years, the population of these towns has increased a lot, and more of them are the young and strong laborers from the surrounding villages going to each town. Working in the newly opened workshops is much more profitable than farming at home, so that there are many privately built houses in the original towns. No way, the earliest urban houses were all civil houses built with uniform specifications, which were allocated to each family to live in. Now that there are too many people and not enough housing, everyone has to find their own way.
Logically speaking, these towns belonged to the Norton family, whether it was land or houses. Manager Speer's first idea was to collect rent or management fees for these houses, which is also a kind of tax increase. But Lorist thinks that they have lived in vain for so many years, and collecting money will only cause infamy and embarrass the family.
So Lorist decided to develop real estate in the 15 towns of Fengleyuan and Xing'anyuan, tear down the original rough houses, develop them into garden-style residential communities, and villa areas for the rich, expand the scope of the towns, and improve the public facilities of the towns. Facilities, improve the administrative organization of the town, first renovate Fengleyuan, and then Xing'anyuan.
All funds for development and reconstruction come from pre-sales. Taking Beiye Town as an example, Lorist asked the engineering department in charge of Master Siluoba to use plaster and wood to build a reconstructed model of Beiye Town and the drawings of various community houses in Beiye. The public places in the town are for people to watch. It is very simple to own a house and a residence in the renovated Beiye Town. First pay a one-third deposit, and you will be able to have your own beautiful and warm home in two years.
The residents of Beiye Town are skeptical. Although the residences and houses on the models and drawings are very beautiful and attractive, they can’t help but feel a little hesitant when they think of two years later. Although the current houses are crude, they are for nothing, and they don’t need to spend Jinford to buy them... Lorist's coping method is very simple. To find hundreds of people, he claims to be from another town, because Beiye Town is the first to be developed and rebuilt, so he decided to come here to buy a house first... When there are more people and more crowded, the atmosphere will be great. Come up, the people in the original Beiye Town are also anxious, what if the house is going to be bought up by outsiders, what if I go to live there with my family? When I went home with a hot head, I dug out the buried gold coins and squeezed in to loot them...
Lorist told Manager Speer, see, isn’t all their money in our family’s hands now? Moreover, we have generously let them pay back purchases, and it doesn’t matter if they lack gold coins. In the next few years, they will ask We worked for our family as cows and horses for a few years before we could get a house, and we had to pay a land tax of 3% to 5% of the market value of the house every year. Although the house belongs to him, the land belongs to our family. If we can’t pay the land tax that year, we can drive him out and sell the house to pay the tax. The owner of the next house has to continue to pay the tax. is the right way to collect taxes...
Director Speer was overwhelmed with admiration.
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