Chapter 349 Double-edged Sword Bank
Ying Zheng was shocked and immediately said: "Then isn't he very rich?"
"Of course." Qin An said, "The King of Thailand is recognized as the richest king in the world.
And the reason why I tell you so much is to tell you that the credibility of a country comes from money.
With money as a guarantee, the country cannot perish even if it wants to. And banks are the expression of the country’s credibility.
As for the role of a bank, it actually has three forms: depositing money, withdrawing money, and borrowing money. Very convenient for businessmen.
As we all know, in ancient times, there were many bandits on the road, and it was very unsafe to carry money with you.
But the emergence of banks has completely eliminated this worry, because there is not just one bank, but many. There are banks all over the country, in cities, big and small, even towns or wealthy villages.
They deposit their money in one bank but can withdraw it in another bank.
For example, take Xianyang City, a city you are familiar with. Xianyang City opened a Daqin Bank and then opened countless branches. There is only one in Pei County.
A businessman from Peixian County deposited 100,000 taels of silver at the Daqin Bank branch in Peixian County. The Daqin Bank branch would give him a deposit slip.
This deposit slip is specially produced, there is no possibility of fraud, and it has a unique code that needs to be consistent with the bank's records before cash can be withdrawn.
So you don’t have to worry about false claim at all. "
"What if someone accidentally picks up your check?" Ying Zheng asked.
"Don't worry about that." Qin An said, "First, you can go to the bank immediately and freeze your money. No one can claim it immediately.
Then show your proof of identity and you can withdraw money from the bank. "
Ying Zheng nodded slowly, it turns out there is still such an operation.
Jiang Lu said, "What if I need to use this money right away?"
Qin An smiled and said: "That's even if you are unlucky, or you can borrow it directly from the bank. However, this situation is difficult to happen.
Who has so much savings and yet they don't keep them properly? Instead, they scatter them everywhere or even lose them. "
"Yes." Jiang Lu said.
Ying Zheng said: "You just talked about rich people, what about people who have no money, or people who are small in number? How do they save money?"
"Simple." Qin An said, "Give them a passbook. When they want to deposit or withdraw money, just take the passbook to the bank.
The bank will write the final deposit on your passbook based on the amount of each deposit and withdrawal.
Don't think that you can withdraw money just by holding a bankbook, as that requires a password.
Only by entering the correct password can you successfully withdraw money. If others want to use your presence to withdraw money, they must require your authorization and your identity certificate, otherwise you will not be able to withdraw it even if you know the password.
So if you lose your passbook, you don’t have to worry too much, because no one can get your identity certificate except you. "
"It's so troublesome. It's better to just leave the money at home and use it whenever you want." Jiang Lu said.
Qin An smiled and said, "Then let me tell you, will there be interest if you save money? Do you want to save it?"
"Interest?" Jiang Lu was stunned, "You can actually get interest. Is there such a good thing in the world?"
Qin An smiled and said: "Of course, the bank's interest rate is usually 10,000 renminbi, giving you one penny a day, or 30 renminbi a month. Do you want to save it?"
"Then if I save 10 million yuan, wouldn't that mean I have 300,000 yuan a month?"
"That's right."
"Banks give people interest, so how do they make money?" Ying Zheng asked.
Although he was shocked by the interest rate, he still had some doubts in his heart.
Ying Zheng smiled and said: "Invest and lend money to others. The first is investment, because banks have a lot of cash. They can invest in the stock market, real estate, and any business that can make money.
The interest rate for lending money to others is also 4%, which means that if you borrow 10,000 fen, you will need to exchange 120 fen per month.
Of course, each bank has its own interest rate. I am just making an analogy. Anyway, the interest rate on borrowed money is definitely higher than the interest rate on deposits. "
It turns out that this is the case. Ying Zheng and others suddenly realized that although they did not understand what real estate and the stock market meant, they knew what investment meant. Anyway, they invested in whatever they wanted to make money.
It is best for banks to be state-owned, that is, owned by the state. If they are private banks, the risk is very high.
If that person goes bankrupt, doesn't it mean that the bank has collapsed, and the users who saved money will lose their money.
In the end, if the country wants to deal with this bank boss, it will be of no use. The people's losses have already been completed. It will arouse public anger.
Therefore, the bank can be regarded as a double-edged sword. Before it has credibility, the bank can bring endless benefits to the country.
Once its credibility collapses and no one believes in it, the country is doomed.
There was a country that was attacked by a group of businessmen. A few months later, the country announced its disintegration, and there was no such country in the world anymore. "
"Do businessmen have such great power?" Ying Zheng said in a deep voice.
"Businessmen do not have this power, they only have money." Qin An said, "They are truly as wealthy as the enemy. One person has more money than the imperial court." 33
"Asshole." Ying Zheng said angrily, "Isn't there anyone to restrict this group of businessmen?"
"Restrictions?" Qin An couldn't help but smile, "If you impose restrictions, the country will not progress, and if the country does not progress, you will be beaten.
And relying on this group of businessmen, the country can dominate the world, control the world's economy, and make a country bow to you at any time.
Once you restrict these businessmen, believe it or not, they will immediately leave your country, take all the money away, and then attack your country to inflate you and make your country's money worthless.
People have no jobs. Without income, they have no money. Without money, they cannot buy food and daily necessities. You can imagine the final result. "
"Are businessmen that important? Are they more important than farmers, workers, and officials?" Ying Zheng asked again.
"You can't say that." Qin An said, "Even if a businessman is rich, he also needs the support of the state. The state must control these businessmen and must not let this group of businessmen do things that endanger the country. Once they appear, they will be killed directly.
Obliteration does not mean killing, but defeating him commercially and reducing his assets to zero. To put it simply, it means that he has no money.
And banks are the country’s best tools. No matter how rich an individual is, can he be as rich as a bank? Banks are owned by the state. "
"Then how to use the bank?" Li Si asked, "For example, someone manipulates food and raises the price of food to an unprecedented level, and the people cannot afford it.
What can the bank do to resolve this matter? "
Some people died, but not completely...
