Conquering alien worlds starts from the game

The Gold Coin Church encourages people to participate in transactions, and naturally supports various types of lending.

Of course...the lending supported by the church has clear requirements. For example, the borrower needs to pledge in kind to prevent the lender from suffering losses when he is unable to repay the loan; the interest on mutual borrowing between private individuals cannot be higher than the interest on the money lent by the church— — That’s right, the Gold Coin Church also lends money to nobles, merchants, and even civilians. Most of the land and land houses owned by the church are mortgaged by prodigal nobles or bankrupt merchants, and a small part is purchased for sealing off sealed items or high-risk areas .

Usury and gambling debts with interest above the line are not only not protected by the church, but they will be interfered by the church if they are exposed-the reason is very simple. The gold coin church’s starting point for supporting lending is to encourage (physical) transactions, not to encourage "finance".

Under normal circumstances, the rural nobles (the housekeepers) lend money to the local commoners, and the annual interest rate cannot exceed [-]%... About ten gold coins are borrowed this year, and a maximum of thirteen gold coins will be repaid every month next year.

If the interest rate is higher, the local populace is likely to be unable to repay and go bankrupt, which is harmful to the stability of the parish and will endanger the source of the church's tithe tax.

Although the legal annual interest rate of 30% ([-]%) is not low, it is still within the acceptable range in the view of the Gold Coin Church... After all, the lender has to bear the risk of bad debts, and it is reasonable to get more profits.

However, it is still the same sentence - there are policies above, and countermeasures below.

The borrowing behavior with an annual interest rate exceeding [-]% in the Gold Coin Parish has never been cut off; such as gambling loans that are not "legal" in the first place, or short-term capital turnover among nobles, usually do not follow this rule.

Nobles (and housekeepers and servants, etc.) lend money to civilians, and the annual interest rate will not follow the requirements of the church... Anyway, most civilians are illiterate, and they can't understand what is written on the IOU when borrowing; they know that they have suffered a big loss In the end, most of the civilians also knocked out their teeth and swallowed their blood, and they didn't have the guts to offend the nobles and make things big.

Of course, civilians are not stupid.

In a normal gold coin parish, most rural farmers will not borrow money from neighboring rural nobles when they urgently need a loan. They would rather travel a little longer and go to the city to borrow money from the church—many small priests in cities often have to do part-time management When the villagers go bankrupt and cannot repay their debts, it is usually these little pastors who go to the countryside to count the mortgaged properties of the villagers.

When urban residents need to borrow money, they are often more willing to borrow from merchants or churches.

For the White family, no, for the abnormal situation in a village not far from the city like Blackstone Village, where a large number of villagers owe debts to neighboring nobles (stewards), Captain Miles thinks about it for a while, and also can understand.

200 years ago, the Tachia Territory was once ravaged by war, and the Church of Gold Coins failed to stop the war in time; although the Church also made amends afterwards and sent knights to fight... But the Church lost the hearts of the people in the end.

Not to mention... between the church and the local people, there is still a group of fief nobles.

Captain Miles can guess without asking, what kind of language those fiefdom nobles will use to intimidate and intimidate civilians and weaken the authority of the church—the problem of the rampant cults in Taqia is clearly there!

The Gokate family was overthrown, the owners of Lars City and Creek City were changed, and the people of Blackstone Village are still ambiguous about the actions of the usurer "Master Bud", who symbolizes the nobles of the countryside, and dare not speak freely. "Outsiders" complained that the formation of this habitual thinking did not happen overnight.

An unknown fire crept out of the depths of Captain Miles' heart.

That's right, being dismissed as "consumables" by the Holy Land did make this night watchman resentful, but the Church of Gold Coins was still sacred in his heart.

Seeing the current situation in Blackstone Village with his own eyes, and seeing how alienated the local parishioners are from the church, Captain Miles still finds it hard to calm down.

After having a simple lunch at White's house and bidding farewell to Mrs. White, Captain Miles found the talkative coachman father and son again.

Seeing the taciturn father of the coachman, Captain Miles politely and slightly forcefully pulled the man who had just sold out the undead salt and was standing in his yard feeding his horses into his house.

"No offense, I have some things I want to ask from you." Captain Miles closed the door of the coachman's house and took out the identity book of the night watchman, "Please allow me to introduce myself again, I am the night watchman of Creek City , you can call me Miles."

The coachman stared at the photo on the night watchman's identity book in shock for a while, and when he looked at Captain Miles again, the man was visibly restrained.

"Don't worry, no one other than your son will know about our conversation." Miles glanced at the young boy who was worried about his father coming into the house, and softened his tone slightly, "Please forgive my impoliteness, I don't have much time. Local villagers, how many people owe that 'Master Bud' money?"

The coachman was very nervous, and was so stared at by Captain Miles that he didn't dare to lift his head: "I'm sorry... sir, I... I don't know very well, maybe there are more than half of them? Me, our family is also... "

Myers followed up and asked, "Did you take the initiative to borrow money from 'Master Bud'?"

The coachman looked up at Miles in astonishment, his face full of panic.

"Don't worry, you won't face any retaliation for telling the truth." Captain Miles sped up his speech, "There is no nobleman with the surname Bud in Wilkie Town, and Bud should just be the steward of a certain family. You You know, the lord of Creek City has changed, and the new city hall will arrange for those prisoners of war to strictly investigate the nobles of the entire fief, and Bard himself and his master will not have time to take revenge on anyone."

The Tachia people have indeed lost trust in the church due to historical issues, but in the eyes of most civilians, the night watchmen are still trustworthy and respectable guardians—even this coachman who lives in the country has heard There are many folk tales about night watchmen eliminating dangers in the dark and keeping towns safe.

Struggling inwardly, the coachman finally bit the bullet and opened his mouth, gritted his teeth, and said, "Of course...not, sir. Some people really had to borrow money, but more people didn't, at least our family didn't."

"After my son was born, I, I wanted him to learn how to do business and become a merchant in the future... So I decided to save money to buy a horse. When our family finally saved enough money, my wife and I prepared When I went to the cattle market in town to choose a pony—”

"...Master Bud came to the door with his servants and said that he would sell me the horses in the farm. If there is not enough money, it should be regarded as what I owe temporarily... Just charge me a little interest every month. The coachman paused for a moment, and said bitterly, "The money owed to buy the horses, our house was not cleaned until last year."

Captain Miles heard the veins on his forehead throbbing.

Lending and borrowing is actually a good "business". As long as the principal and interest can be recovered, the income can be guaranteed, which is more secure than other businesses.

However, there are actually not that many people who need to borrow money or who can borrow money—the vast majority of civilians with families and businesses are willing to tighten their belts when they are in financial distress, and they are not willing to ask others to borrow money. People who borrow money to live on often cannot come up with something that can be mortgaged.

In other words... If you want to do a good job in the "business" of lending, you have to delve into how to lend money to people who can take physical objects (land, real estate, etc.) as collateral—even if the other party goes bankrupt, the value of the collateral itself can be offset principal and interest.

They have already opened their mouths, and the coachman no longer hides, and simply tells a few things he knows in succession.

Some families are in a similar situation to the coachman’s family, being bought and sold by force and incurring debts; I can't afford the seeds and have to borrow money from Bud to pay taxes...

"It's so unreasonable!" Captain Miles became furious the more he heard it.

At the same moment, in Bud's farm.

"It's outrageous to ride a horse!"

Giving me medicine angrily kicked a big solid wooden box, kicked my toe bones away with too much force, and lost a layer of bloody skin.

"What's the matter?" Miaobi Shenghua poked her head over from the side.

Give me the medicine, pointing at the solid wooden box and cursing angrily: "Look at this, a box of waste paper is placed in such a hidden place for a treasure box?! Snake spirit disease!!"

"Can't you?" Miaobi Shenghua walked into the secret room suspiciously, "Isn't this the treasure spot of the BOSS room, the planner forgot to brush the props?"

Speaking of the wonderful pen, he squatted down, picked up the "waste paper" in the solid wooden box, and picked it up to look through it.

Although the players in the matrix can't communicate with the "NPC" outside the matrix, it's no problem to understand the general text, and the wonderful pen flips through a few random ones, and the tone becomes uncomfortable: "I rely on... it's all about IOUs, property deeds, etc. Yes, it’s poisonous, does this crap have a fart use?”

To obtain a certain piece of land or a certain building, and have a private teleportation point in that place, the player can only obtain it from NPCs after meeting some "hidden requirements" that are not explicitly stated in the system—for example, the closed beta tester in Duta The house in Tacheng was exchanged for the captives captured during the attack on Dutata City.

When they fought Creek City, the three elders failed to capture the "Commander BOSS" with the highest gold content, so La Hong and the others caught it, and those guys exchanged this BOSS for a fief of several hundred acres (Yang Qiu casually Pointing to a place in the uninhabited mountainous area in the southern part of Taqiya Territory)... Qin Guan was sore for a while.

"Forget it, at least the task is completed." Miaobi Shenghua threw the "waste paper" back into the box in disgust, and greeted me with a face full of pain to take the medicine, and the two walked out of the secret room one after the other.

Outside the secret room... is Butler Bud's bedroom.

The bedroom is too messy to look at right now... Players have looted all items that can be sold to NPCs for recycling, even the gold leaf edging on Bard's wife's vanity mirror has been pried clean by the players with a dagger net.

There is no way, this game is not like traditional games where you can "trash and sell money"... The ones that can be exchanged for game coins from NPCs must be "props" that can identify information through identification techniques.

Fortunately, most of the "monsters" that players want to farm are living a good life, and the "nest" can be cleaned up, and they can earn a lot of hard money...

Walking out of the messy master bedroom, passing the even more messy living room, the study room that has been rummaged through, and coming to the living room.

A group of players with bulging bags on their backs were chatting away in a relaxed way, while carrying out the tied up Bud family, their personal servants and other "famous monsters" from various rooms...