Starting a bank is not something that can be done overnight.
It can be said that dreams are beautiful, but reality is very skinny.
When it comes to actually doing it, it's a mess, and everything needs to be considered.
At present, the problems that Yu Sheng'an needs to solve are mainly divided into three categories.
1. Banking system.
This point is the easiest to solve for Yu Sheng'an, who has contractual authority.
With the krypton gold exchange design of [Conquering the Second Plane] as a reference, Yu Sheng'an decided to directly use the core magic towers in the cities of Kweir as bank branches.
It not only takes advantage of the popularity and authority of the Magic Tower, but also ensures the safety of bank branches.
For bank account design, the Internet points system is directly copied.
Second, cashless payment system.
After carefully sorting out the known abilities of the contracted godhead, Yu Shengan decided to give up on moving the license and scan the QR code to pay.
Instead, by using the Godhead's ability to search for believers, users can directly search for nearby people, select the object to be traded, and directly enter the amount.
Even if the person is not nearby, as long as the person's unique soul number is written down, currency can be paid in real time.
Third, the setting of standards such as deposit and loan interest rates and deposit requirements.
This aspect directly stumped Yu Sheng'an.
After Dundaner and Bessie opposed the issuance of national debt.
Yu Sheng'an has realized that rashly pursuing copyism is definitely a prelude to death.
In this world where the economy is still very underdeveloped, rashly offering high interest rates to absorb savings will inevitably lead to economic deflation, which will trigger an economic depression that is even more terrifying than inflation.
In addition, deposit and loan interest rates and deposit reserve ratio are monetary ammunition to control deflation and inflation.
Insignificant decimal point changes will represent the tightening or inflow of huge amounts of cash into society.
If this line is not drawn well, Keville may fall into economic prosperity in a short period of time, but the price may be a real "eat and eat grain" instead of "borrowing chickens to lay eggs."
After careful consideration for the rest of my life, I decided... not to be ashamed to ask.
He decided to travel to the main plane of Verlia and learn their banking operations.
Based on this, after referring to many economic concepts of Blue Star, and considering the actual situation of Kvir and even the continent of Azea, we will make a decision.
However, the Kvir Empire is now in urgent need of funds to calm the impact of the war.
Therefore, although there are still some details that have not yet been prepared, you can start saving business and absorb funds.
Anyway, this money is only loaned to the empire. Judging from Keville's current situation, there is no need to worry about solvency.
In other words, if Kvir cannot repay this debt, then the empire is basically over.
If the empire is over, will this bank still have any meaning in existence
All in all, everything is ready now, all we need is the east wind.
What Yu Shengan still needs to do is to recruit and train the first batch of bank employees.
Before Yu Sheng'an converted Kvir into a missionary territory, the Kvir Empire only had 16 cities.
As the Internet concentrated and strengthened the power of the empire, the empire sent magicians on a large scale four times to build magic towers and upgrade the town to a city.
Therefore, the empire now has 20 cities, 2 of which have been destroyed in the war.
But with the benefits of living in Spada for the rest of his life, it would not be difficult to rebuild the two cities.
In this magical world, production efficiency is both low and frighteningly high.
Rebuilding a city sounds difficult.
But in the hands of a high-level magician, he could use earth magic to pull out a city wall stretching for tens of kilometers in a few hours.
What is really difficult to build is the Magic Tower.
Magic towers are also divided into different types and specifications, and their power naturally varies greatly.
By the way, why don't the five great gods directly implement the "heart poaching tactic" and go straight to Willis
This is because the ring-shaped magic tower in this city is the most powerful magic tower in the Kvir Empire.
If he directly besieged the city, he might be dragged to death before the city.
Back to topic.
Kver's small country and few people made it easier for Yu Sheng'an to a certain extent.
There are a total of 20 cities, each city is equipped with 2 salesmen, with the old leading the new, enough to slowly develop a bank team.
Now Yu Sheng'an only needs to personally train 40 employees.
At Yu Sheng'an's request, all the first batch of employees were women. This was naturally a way to take advantage of women's workplace advantages to speed up the bank's incubation.
This group of people will be recruited and selected directly from the housekeepers and maids with higher cultural level from the major nobles.
The three Dharma gods will be responsible for this matter, while Yu Sheng'an will be responsible for banking business training.
However... the plan couldn't keep up.
The matter eventually took an unexpected turn.
…
"If you admire Ajeef, I can find a way to arrange for you to enter the [Magic Forest]. Why do you need to attend the bank teller training class? I have already inquired about it. The bank teller is similar to the bartender in the pub. You are How can an imperial princess become a lowly bartender?”
The eleventh monarch of Kvir, Xian, advised her sister, Clementine, with a sincere look on her face.
At this time, his mood was almost broken.
It must be those damn ladies who mentioned this matter to Clementine. Otherwise, how would my sister know
"Who told you it's like a bartender?"
Clementine rolled her eyes and continued to direct the servants to pack their clothes.
At this time, there were several large boxes piled at her feet.
Outside the window, a row of carriages were ready to go.
In the corridor, groups of servants were busy going back and forth.
"Hardy! This is what Hardy said. He is Dundan's personal assistant. No one knows what this position does better than him."
"No one knows better than him? Does he know better than Dundaner? Even better than Ajeev?"
Clementine asked in return, and Xian was startled.
“If a bank teller is really like a bartender, then he must be serving gods.”
Clementine raised her head and stared into her brother's eyes, and said seriously:
"My beloved Lord Kvir, please be careful. Haven't you seen the discussion on the Internet? Ajev is most likely a follower of the God of the Internet! What kind of summoner can summon mountains and plains to besieged by demons like him? Spada?”
"If you don't get along with him now, how long do you plan to wait? Or do you want to use me as a bargaining chip in marriage to marry some magician in the future? Or even a gray-haired grandpa?"
Clementine's words shocked Xian's whole body and his pupils trembled.
He really wanted to shout, Ajeev is the God of the Internet!
But he can't.
Because he didn't want to tell his sister this, and because he was bound by the contract.
In the war that just ended, the power displayed by the God of the Internet completely shocked him, and made him no longer resist the God of the Internet from the bottom of his heart.
But when he saw his sister approaching the God of the Internet, he subconsciously became anxious.
It was a god after all.
Whether being too close to him was a good thing or a bad thing, no one could tell.
He just wants to protect his sister.
But his sister's words made him suddenly realize that he actually had no power to protect her at all.
Rather than admiring Ajeev, the younger sister wants to control her own destiny.
Clementine eventually left.
This departure directly caused an uproar in the Willis ladies circle.
Countless housekeepers and maids who could have changed their destiny had their destiny stolen by a group of noble ladies inexplicably.