Vol 5 Chapter 25: Opening big compensation

In the fifth year of Shaosheng of the Great Song Dynasty, the first year of Yuan Fu (1098), the year of Wuyin, the Song Army defeated the 400,000 Xia Army in Pingxia City in the original history.
However, in the history of the fairy sword world, there is no battle of Pingxia City. If this year is recorded in the annals of history, the important event recorded will be the birth of the first bank in world history.
Da Song Xin’an Bank was 73 years earlier than the establishment of the Bank of Venice in 1171.
The establishment of this bank has epoch-making significance for the history of the fairy sword world. The history books of later generations are in the special book of Song History, which is many times longer than modern history.
Luo Feng invested 10 million taels of gold in Xin'andang and obtained 51% of Xin'andang's equity. Jing Xiaolou invested in Xin'andang brand, which accounted for 40% of the equity, and the Song Dynasty court held 9% of the shares. The right and considered Xin'andang was recognized. Can operate national banking business.
The court also wanted to be tough, but neither the Luo family nor the Jing family was easy to provoke.
In this world of extraordinary power, the Jing family's family background is unparalleled in the world. Legend has it that the old man Jing was a who descended to the earth, and the imperial court could not even offend the immortals, let alone the descendants of the descendant gods.
Although the Luo family is not as exaggerated as the Jing family, they are not very afraid of the court. This wealthy family is a sea trade giant, saying that it has countless industries overseas.
The Luo family’s gunboats dominated the coast and monopolized the Song Dynasty’s ocean trade. If the Luo family is angered, the fleets parked along the coast can block off the sea and borders, lock one country with one family, and cut off Song’s maritime trade.
The two are united together, one is rich, the other is powerful, and the Song court can only say nothing.
Hubu Shangshu wrote a letter in blood, asking the court to send troops to annihilate these two rebellious giant families. However, some of the important court officials were overturned by Luo Feng's gold bullet, and the other part was worried that the Jing family could not afford it. There was a quarrel, and there was no reason for it, and the matter was gone.
The semicolon of Xin'an Bank immediately blossomed everywhere in China. The business of Xin'an Bank is somewhat similar to that of the old money houses. It not only has the basic functions of saving and lending, but also has the "flying money" function of remote deposit and withdrawal.
As a proof of "flying money", Xin'an Jiaozi gradually began to circulate. Jiaozi was actually issued in the first year of Renzong Tiansheng (1098). It was called "Guanjiaozi" in history, and the circulation range was also in Sichuan. The credit problem was soon abolished.
At the beginning of the establishment of the bank, most of the merchants who used the business were merchants in Shuzhong. After all, the fairy sword world is full of ghosts, and it is very unsafe to travel. Deposits in the local Xin'an Bank and then withdrawing them in other places will avoid the risk of carrying a large amount of gold and silver.
In ancient times, if you want to achieve remote access, information transmission was a big problem. In ancient times, there was no telephone, telegraph and Internet. Flying pigeons was the fastest way to transmit books. Homing pigeons could fly 60 or 70 kilometers per hour, which was the fastest in ancient times. Speed ​​of information flow
Banks can realize remote deposit and withdrawal, deposit and withdrawal, the most critical point is that there is a fast way of information exchange between various branches.
In ancient times, Kuaima and pigeons were used to transmit messages. Luo Feng did not want to raise so many pigeons and horses. After all, the amount of information carried by pigeons is too small. In the future, the business volume will be large, and every bank branch needs to be established The huge dovecote is too much trouble.
Besides, there are many monsters in the fairy sword world, pigeons and messengers are easily caught by monsters in the wild as snacks, and it is easy to make mistakes.
Xian Xia side the world, there are also magic weapons of thousands of miles of sound transmission, thousands of miles of paintings, such as "sound transmission of magic conch" and "round light mirror", but these magic weapons are expensive and scarce, but they cannot be equipped on a large scale. Popularize to every network in the country.
As for launching communication satellites, the sky of Xian Xia's side of the world is very strange. It is impossible to send the satellite out of the atmosphere. No matter how high the rocket is, it will only spin in the first heaven. It cannot break through the second heaven, let alone fly into it. Thirty-three heavens.
Luo Feng doubted that if he flew too high, he would shoot the rocket directly into the heavens, disturbing the gods.
When building a radio tower, because of the strange fairy air in the air, the transmission effect is very poor. If you pull the phone line, Luo Feng really does not want to plug the electric poles all over the country.
Fortunately, Luo Feng's warehouse is very large. After flipping through it, he found a suitable substitute, which is the telephone snail (telephone worm) from Pirate World.
Luo Feng saved a lot of telephone snail eggs, hatched them and sent them to major outlets across the country, and established a telephone network. He claimed that this magical beast was Luo Feng’s father Luo Enemy when he was in the deep sea when he was engaged in sea trade. The foreign version of the sound-transmitting conch obtained by the Wanpisi route.
With the assistance of telephone snails, Xin’an Bank’s information circulation rate is the highest in Song Dynasty. It is known as the real-time transfer of the whole network. You can deposit money in Shu, and you can cash it in Chang’an City in ten minutes. It is called a convenient and fast one, which is any company in this era. No bank can match it.
After the establishment of Xin'an Bank, immediately after the establishment of Xin'an Insurance, the people of Song Dynasty were still unfamiliar with the term insurance. The salespersons of Xin'an Insurance worked hard to explain and told the people that as long as a small amount of money is invested every year, if you encounter a monster, The insurance company will pay the amount specified in the contract.
In the evil of the monsters, whether you lose property, get injured, or even die, you can get the corresponding amount of compensation.
At first, no one cared about this business, thinking it was a deceit, but there were also curious idlers, or merchants who were about to buy through merchants in areas where monsters were infested.
After really encountering the monster, the businessmen approached the insurance company with the insurance policy. The insurance company sent a claim adjuster to the scene and used the treasure to detect the smell of the monster to explore it. When they found that the spirit jade was discolored, they could basically confirm that the situation was true and paid the compensation. .
It is worth mentioning that many disciples of the Shushan Immortal Sword Sect have taken part-time jobs as insurance claims adjusters in Xin'an Insurance. After all, their daily business is to reduce demons and eliminate demons. Once someone reports that demons are infested and injured, they always have to Stepping on a flying sword and rushing to the scene, handwriting a survey form and handing it to Xin'an Insurance can get the salary. Why not?
Bumping on the ground, banks and insurance companies actually opened up. Of course, at the beginning, don't mention any profit. Even the wealthy children like Jing Xiaolou were panicked when they lost money every day.
Luo Feng had a calm expression just sprinkling water, as if he was not losing his money.
Luo Feng really didn't pay attention to this small amount of money. It was only ten million taels of gold. Even if it was calculated by modern weights and measures, it was only five thousand tons. There was still a lot to lose in his warehouse.
If you want to expand any business, it is normal to lose money in the early stage. If you don't engage in a few rounds of financing, and then lose a few rounds, you will be ashamed to go out and say that you have started a business.