Chapter 342: Banks and Inducements It was still the same young man who had been pitted by the foreman before, but this time this young man did not appear in the factory, but hesitated for a long time in front of a tall building, which had a rather simple signboard, on one side of which was a generation of scattered gold coins and a few stacks of banknotes, but on the other side, the newly coined word of bank made most people on the Longmian continent scratch their heads.
The young man looked around and saw that no one was passing, and then took out from his pocket the few coins that had been in circulation for hundreds of years and were full of wear, and finally plucked up the courage to enter the mysterious institution that was said to be able to exchange coins.
"Good afternoon, sir!"
The young man said hello to a bank clerk who was fiddling with a calculator in a way he had only recently learned from the city.
Then I saw this lean middle-aged man wearing a white shirt and a colorful cloth belt around his neck, raising his head and looking at the timid young man standing outside the counter.
"Save money or exchange it for gold?"
The bank clerk glanced up at the young man's oil-stained blue overalls, then coldly dropped a sentence to continue his previous work, and his question made the young man even more nervous.
"I ......
I—I want to exchange gold coins for paper money......" the young man said timidly, holding up a few coins in his hand, timidly to the bank clerk.
"Paper money can be exchanged for gold coins, but gold coins cannot be exchanged for paper money, that's the rule."
The bank clerk stopped his work when he heard the young man's words, and looked up at the young man again, but this time he spoke much softer than before.
"But the worker gave me gold coins, not paper money, so didn't I get caught?"
After being rejected, the young man pleaded helplessly with the bank clerk.
"You must have asked for the gold yourself, right?
Young man, there are clear regulations on this matter, if the employees of the factory ask for payment of wages in gold coins, the factory can use gold coins to pay, I have seen a few of you in this situation before, although you were cheated by the foreman, but even if you come to the bank, we can't help you exchange gold coins for paper money, admit bad luck, just remember this lesson next time.
"The bank staff doesn't seem to be easy to get along with, but they're actually pretty good.
So after knowing that this young man was being bullied, he began to comfort him.
"But doesn't this place, like the factory, belong to His Majesty?
Why can't gold coins be exchanged for paper money?
The young man still asked with some reluctance, for him to be cheated of a quarter of his first salary in his life, which was something he could not accept.
"Although the factories and banks belong to His Majesty, we are only responsible for exchanging gold coins and keeping them, and we are not responsible for paying salaries."
The bank clerk helplessly sent the young man out of the bank, and then continued to work with his head bowed.
His books contain a large number of numbers that, after being calculated, are presenting to him the city's currency.
In just one month, except for some gold coins that were exchanged at the beginning, most of the time of the bank staff was idle, and the humans of this world had not yet developed the habit of depositing money in the bank, so the bank was opened only to allow those workers who did not trust paper money to exchange money.
In fact, the so-called banks have almost no business at the moment, and the exchange of gold coins is only a reassurance to ensure the promotion of paper money.
This bank clerk has been working in the bank for less than a month, he was a famous gold and silver jeweler in the city, in fact, there is a prototype of a bank on the Longmian continent, the gold and silver jeweler's shop is the best place in the world to get a small loan to save, melting the ancient pure gold coins and then adding other metals to make new gold coins to make a profit is the beginning of the gold and silver jewelers' career, and with the accumulation of wealth in the hands of these gold and silver craftsmen, they have been in the part-time small loan business hundreds of years ago.
However, this world has too many powerful forces and closed classes, and the goldsmiths and silversmiths have not become bankers like their counterparts on the earth, and the goldsmiths who have always maintained a small and small scale entered Zhao Yannian's vision when Zhao Yannian planned to reorganize the human economic system.
Most of these guys who deal with money all day long have quite good minds and credibility.
If you want to open a bank, you need a large number of people who are proficient in money and numbers to maintain the normal operation of the bank, so Zhao Yannian used the order of the Supreme Council to make almost all the goldsmiths and silversmiths in the human world become bank clerks.
Although working for the Supreme Council was not as leisurely as it used to be when opening their own shop, the guarantees and benefits offered by the Supreme Council to these goldsmiths gave them no reason to refuse.
In addition to their normal salaries, these bankers will receive lifelong benefits from the state, and not only that, but their children will also be able to attend the academy being built in the new city free of charge, which is a place to train officials and technicians for the new city, and if they graduate, the sons and daughters of goldsmiths will have a chance to soar.
It was precisely because of this treatment that Zhao Yannian's bank was opened so smoothly, and when Zhao Yannian slightly modified the operation of modern banks and distributed them to these bank employees, these goldsmiths and silversmiths already worshiped Zhao Yannian like a god.
Although the beginning of the bank is only the earliest way to adjust the relationship between gold and paper money, the future power of the bank as a national function gives every goldsmith confidence in it.
"According to the current situation, by July, the number of banknotes in the city will be balanced with the gold coins, and by that time the black market price of the hundred-dollar note will be reduced to about eleven silver coins, and at that time, the paper money that is no longer scarce will gradually replace the role of the gold coin, and whether the gold coin will die out depends on the meaning of the lord."
When the bank clerk finally completed his calculations, he couldn't help but sigh for Zhao Yannian's plan.
The economy of the whole world has gradually been completely controlled by Zhao Yannian in the palm of his hand.
Zhao Yannian issued an order prohibiting the exchange of gold coins for banknotes in the banknote trading area, because the abundant goods and entertainment facilities in the banknote trading area were attractive to the nobility and wealthy merchants in the city, and this prohibition was actually tantamount to encouraging illegal private currency exchange, in which the workers and government employees who held the paper money would inevitably benefit, and this action was equivalent to another invisible sheep shearing of the high-bourgeoisie everywhere.
This kind of sheep shearing to subsidize government workers is quite hidden, and completely out of the will of the rich class will not arouse the disgust of the rich class, of course, this kind of plan is definitely not only to improve the treatment of government workers so simple, in addition to the popularization of paper money and enhance cohesion, behind this control of money is also the entire human world with money to completely divide the class with money.
Since the black market has a ratio of 1:1 to 3 for paper money and gold coins, paper money has become the object of all those who want to enter the paper money trading area to consume, and all kinds of precious goods from all over the world are concentrated in the paper money trading area through the transportation network, which makes the wealthy class who cannot obtain paper money through normal channels will maintain their hunger for paper money for a long time.
And the exchange rate of paper money can also make workers enthusiastic about their work.
In order to strengthen the control of the human kingdom, nationalization and the planned economy are inevitable trends, but the planned economy has a very huge weakness, that is, a higher rate of social welfare will lead to a lack of enthusiasm and motivation for people to work.
If humanity wants to have enough power in the event of a formal war with demons and angels, it is natural that the people will never allow it to become lazy.
Zhao Yannian, who did not intend to use brutal coercive means, the only option in front of him at such a time was inducement.
The essence of temptation is not to give the temptation a huge benefit, when the temptation gets what he wants, then the temptation has failed, and the blind temptation does not let the temptation get any sweetness, and the temptation will also despair and give up the pursuit.
The true essence of lure is how to keep the tempted person for a long time without getting bored with hunger, and only when the donkey can smell the carrot but can't hook it, the donkey will run desperately.
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The consumption concept of ordinary people in this world is still extremely primitive, and they hardly spend a penny on other things except food, clothing, housing and transportation.
In order to stimulate the people's hunger, Zhao Yannian had to create differences to make the people desire, and the emergence of paper money was originally to create the products of difference, and all the workers and officials working for the state used paper money in exchange for those dazzling spiritual and material goods developed by Zhao Yannian in imitation of the earth's civilization.
The prohibition of the exchange of gold coins for paper money contributed to a considerable hunger for those goods among the nobles, merchants, and peasants who were divided into currencies.
Workers and government officials were clearly above the other classes that still used gold coins, and their consumption of paper money was quite large, and it was because of this that they worked more diligently, and their glamorous way of life became an object of pursuit and emulation by other classes.
The aristocracy has been put in an unimportant position by Zhao Yannian from the beginning, relying on the black market can almost make them stable, and the peasant class is a focus of Zhao Yannian's attention, when the consumption of workers becomes the vane of farmers, they will naturally have a passion for work when they are hungry for money.