Banks are the product of the development of financial capital to a certain stage. In the Silver Continent, there is no such thing as a bank, and there are only money banks.

The silver continent uses precious metals such as gold, silver and copper as the basis currency. There is no currency issued by credit in this world. The biggest function of the money bank is to facilitate the circulation of metal currencies such as gold, silver and copper that are inconvenient to people carrying large quantities. For example, a businessman needs to go to other places to buy goods of thousands of taels of silver. If there is no money bank, he will personally carry these money with very large size and quantity on the road. It is not only troublesome and heavy, but also the risk will increase countless times. It is in this case that money bank came into being. With a money bank, these people can carry the same amount of gold and silver bills to purchase goods.

Gold and silver notes are things issued by money banks. In essence, gold and silver notes are not money, but IOUs issued by money banks. This is also the biggest difference between money banks and banks. Central banks with the right to issue currency can issue currency with credit, and the existence of commercial banks is not to facilitate the circulation of currency, but to gather private idle currency investment to make profits.

People in the Silver Continent deposit money such as gold and silver into money houses, the main purpose is to facilitate carrying and use. The function of the money house is to help you keep transportation and circulate the money you put in the money house. Therefore, people in the Silver Continent store store not only does not have interest, but also have to pay a certain fee to the money house.

If you give the money to you, you will have to pay you a custody and circulation fee. If you put it in Yan Liqiang's previous life, it would be a fantasy. In this world, all this is completely reasonable and no one thinks there is anything wrong. In fact, when you took the money to the bank in your previous life, you were paying the custody fee. The custody fee is the difference between inflation minus bank interest, but no one noticed it.

When he obtained the Lu family's 500 taels of gold, Yan Liqiang took it for granted that he wanted to deposit this large amount of money into the money house for interest. At that time, Yan Liqiang was still thinking that if the money house here could have 5% interest, he could get 25 taels of gold every year with the 25 taels of gold. With 25 taels of gold, he and Yan Dechang could have no worries about food and clothing.

However, the cruel reality of this world quickly woke Yan Liqiang up from the dream of "making money by lying down". After understanding the operating mechanism of the money house, Yan Liqiang found that if he placed the gold in the money house, the gold would not only not increase, but would also become less and less.

Yan Liqiang naturally cannot accept such a thing.

When he went home this time, while trying to find a way to solve the threat from the Hong family, Yan Liqiang was already planning the use of the gold.

Yan Dechang is already a little older and has not practiced. As he gets older, his physical strength will decline more and more. The blacksmith's rice is becoming less and less easy to eat. Moreover, Yan Dechang was seriously injured this time. Even after his body gradually recovers, he will have to cultivate for at least half a year for a long time. He cannot do too heavy work. He must be more at ease when swinging an iron hammer. Under these practical issues related to survival, Yan Liqiang cannot consider the future economic source of his family. This economic source is not only related to his father Yan Dechang's future livelihood, but also whether Yan Liqiang can live a more nourishing life in this world.

Practicing martial arts may not be a necessity for everyone's survival, but eating, dressing and housing are necessities for everyone's life, and the latter requires money to solve it.

Yan Liqiang is actually thinking about how to use the money these days. He wants to invest, think about producing a four-wheeled carriage, and produce lighters that are more convenient to carry than a fire sickle. But in the end, after careful research, he found that although his ideas are good, they are a bit unreliable for him now and are difficult to realize.

First of all, there is no such thing as stock in this world. Those who do business also have partners. However, it is not a matter of overnight to find a partner. Now their family does not have such background or relationships.

Secondly, he also thought about using his blacksmith workshop to make some small inventions and small creations. The principles of four-wheeled carriages and lighters are actually very simple. Their blacksmith shop is actually building a fire sickle, which can easily create the key structure of a lighter or a four-wheeled carriage that can be easily turned. Unfortunately, there is no invention patent in this world. If he improves the fire sickle into a lighter or a four-wheeled carriage, someone else buys one, and when he takes it apart, he suddenly realizes it in three seconds. Then the same thing will continue to come out from other larger and more powerful blacksmith workshops. In addition to making some money for the family at the beginning, the things he worked hard to make would probably be the same as everyone else.

After considering the possibilities, Yan Liqiang finally found that the best thing in front of him was to buy land and pave the way.

After buying land, there are hired farmers to plant it, and after making an agreement with the hired farmers, as long as you don’t encounter any major natural disasters or man-made disasters, you will basically have a guaranteed income from drought and flood. You can keep some food yourself and sell the excess food for money. You don’t have to worry about your family’s life.

When you have money, buy land. The more land you have, the faster you accumulate. The more people you rely on your own to make a living, and the larger the territory. With land, money, and people, you naturally need someone to protect them and recruit guards. If you want to be safe and not be missed, you naturally have to have good relations with the government and all aspects. In this way, your tentacles will be extended, and the power and influence in the local area will slowly emerge, and the so-called local tyrants will be trained.

The Hong family is following this road, the Lu family is following this road, and the Shen family is following this road. No matter how big the wealthy families of the country are following this road, the countless heroes and heroes in ancient China are following the same road. Since so many people are following this road, there is no other road better, so Yan Liqiang can only take this road, and he can't put so much gold to eat the whole country.

A few days ago, Yan Liqiang wanted to mention the land purchase with Yan Dechang, but Yan Dechang's health was not recovering well in those days. In addition, he had not finished the national martial arts exam, so Yan Liqiang endured it. Unexpectedly, his family was crowded all over the place today, and after receiving so many gifts, he almost couldn't pile up a house. Yan Liqiang took the opportunity to tell Yan Dechang about his thoughts.

In addition to buying land, the house at home has not been repaired or moved for decades and is already a bit dilapidated. It is time to get it done.

Yan Dechang just thought about it for a while and agreed.

Seeing Yan Dechang agreeing, Yan Liqiang suddenly breathed a sigh of relief.

Why didn't Shi Dafeng invite him to travel? He just wanted to use more than two months to do the family's affairs before going to Pingxi County National Museum, so that after he left Qinghe County, he could let his father live a relaxing life at home without having to save money every day. This is also a little bit of his wish for children.

Yan Liqiang himself didn't understand the matter of buying land, shops and building houses, but it didn't matter. If there were people who knew about it at home, Yan Liqiang simply handed over the matter to Lu Wenbin.

The gold that the Lu family gave him, plus the gift money he received this time, besides leaving fifty taels of gold and five hundred taels of silver for spare, Yan Liqiang planned to use them all to buy land, shops and houses.

...

After finishing these things, it was only the second day after the big test. Before dawn, Yan Liqiang resolutely devoted himself to the cultivation...

The reason why he was determined was that Yan Liqiang suddenly discovered that if time and energy could be invested, investing his time and energy in cultivation would be a profitable deal in this world.
Chapter completed!