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"Loan, what do you mean, is it to lend us money?" Mo Luo looked incredulous, you must know that the empire is not a person who borrows money, it is the amount of hundreds of millions of gold coins at every turn, and in this world, there is no businessman or individual who dares to lend money to the empire, because the danger is too great.

"Yes, even if we lend you money, we can make a contract. Cook replied affirmatively, being able to lend money to an empire is undoubtedly a proof of the strength of the bank, you must know that the bank opened in the orc empire has already achieved initial results, which is mainly due to the benefits issued by the Makai Empire, as well as the salaries of the staff, and the salaries of the soldiers are issued through the guò bank, so that the embezzlement of military salaries and embezzlement of public funds has been directly eliminated, but the gold coins in circulation in the Mekay Empire are not much, but the credit points in circulation in the Mekay Empire are equivalent to gold coins.

"Hehe, we can't afford to pay interest. Mo Luo smiled, you must know that the interest on the loan is very high, after all, there is no such thing as interest-free loans in this world, and the interest of hundreds of millions of gold coins is not a small amount, so Mo Luo directly refused.

Cook looked at Mo Luo with a smile, shook his head and said, "As long as the Empire of Light agrees to me a few conditions, then I can lend you interest-free." ”

"What do you mean?" asked Morrow, confused.

"There is no interest, and you can repay the money in installments. Cook further explained.

Mo Luo looked at Cook suspiciously, and then asked, "What kind of conditions are you, no interest?"

"Hehe, in fact, this is also a very good condition for your empire, the first is that the Bright Empire wants to allow Mekay Bank, that is, the organization that gives you loans, to open a bank in the Bright Empire, and engage in loans, storage and other businesses. Cook said the first condition with a smile.

Mo Luo frowned and asked, "Can you elaborate on the concepts of loans, storage, and banks?"

When Cook heard Mo Luo ask, he smiled and said, " The loan is very simple, it is to give an individual or group who needs money to borrow money, of course, to pay interest, as for the storage is that the individual or group deposits the money in our bank, and then our bank is responsible for safekeeping, of course, it will not charge a storage fee, and you can take it out anytime and anywhere when you need it, for example, you deposit a hundred gold coins at one time, and you need to withdraw ten gold coins after a day, which can also be done, and our bank has also opened a remote withdrawal, that is to say, for example, I deposit gold coins in this city, and then I go to another city, as long as I am in our bank, you can withdraw gold coins, of course, just need to charge a negligible fee. ”

Cook made a workaround, there is no need to pay interest to others for saving money here, and even if Cook is interesting enough to charge a storage fee to these people, you must know that the crime rate in this world is extremely high, after all, it is the world of the strong, and some people with bad intentions directly rob, kill, and be killed by a family There are also things, so there is no need to pay interest to the person who saves the money.

"Are there any numbers?" Mo Luo asked again with curiosity.

Cook took out a scroll, compared to this, there are still many things written in animal skins in this world, and animal skins are easier to preserve than paper, which is the specific business of Mackay Bank.

After reading it, Mo Luo immediately understood: "You are making money by taking out loans!"

"Hehe, that's it. Cook chuckled, Cook would not explain further the impact of finance on those empires.

"I agree with this, but does this bank need to pay taxes?" But what left Cook speechless was that Morrow was actually worried about taxes.

"It's not impossible, but it's rare. Cook replied with a nod.

"Okay, let's talk about this later, tell me about your next condition?" Morrow then added.

"The second is that we at Mackay Bank want to be able to accept tax deposits from the Empire of Light. Cook said the second condition.

"No, this tax goes directly to the treasury. Mo Luo shook her head in disapproval.

"No, I'm talking about tax deposits, aren't all taxes in cities of all sizes that need to be transported? And then then then transfer it down, I think this is very lang, we can do this business on behalf of the Mackay Bank, just like the tax of city A has to be paid directly to city B, then it used to need personnel escort and guard, but now it is not needed, city A directly deposits the tax into the branch of our Mackay bank, and then can directly go to city B to withdraw the money with the receipt, and even city B can directly take out the money without taking it out, directly change a receipt, and finally arrive in the holy city and then take it out in the Mekay bank in the holy city, and the Ministry of Finance can also not take it out, the Ministry of Finance needs to allocate funds to city A, then directly open a proof of expenditure, then city A can directly withdraw money in city A with the proof of expenditure. Cook's mouth is dry, knowing that this is just simple finance, and as for the more complicated ones, Cook doesn't want to talk about it.

"That's a good idea, but you can't be too expensive!" Mo Luo thought for a moment, then replied in the affirmative.

"Hehe, that's for sure, we generally only charge a fee of 0.1%, and a fee of 10 silver coins for a hundred gold coins is enough. Cook couldn't help but sigh that this is a financier's paradise.

"That's a very low one. "Mo Luo knew how strict the annual wear and tear of this tax was on transportation, because the guards, chariots, horses, and food and drink of the personnel were not a small amount.

"Thirdly, I hope that the Bright Empire can directly transfer the salary to our bank, and the army can also do it. Cook made the third point.

"Oh!" Moro snorted in astonishment.

"Hehe, in the past, salaries were paid down level by level, and there were inevitably deductions and corruption on the way, and the Ministry of Finance will directly give a list of payments in the future, and then we can directly pay salaries to these people directly from the deposits of the Ministry of Finance, so as to avoid the danger of deduction and corruption, especially the army. Cook points out the benefits directly.

Mo Luo was surprised, yes, this is an excellent way to put an end to corruption, but Mo Luo ignored it, after the money is withdrawn, it can still be bribed.

"I agree with this, but this still needs to be carefully discussed, but if you open a bank Cook, how many points are you going to establish in the Empire of Light?" Mo Luo knew that in order to make what Cook said come true, the funds needed, not to mention anything else, would require the assistance of magic equipment to withdraw money directly from each other, so Mo Luo was very curious about how many points Cook could establish.

"As long as it's a city, it can be built no matter how big or small. "Cook now has magic materials in his hands, you must know that the Chamber of Commerce has a monopoly on most of the magic materials on the first floor of the underground world, and there are chambers of commerce on the third and fourth floors of the underground world, not to mention the entire Mekay Empire, as well as the wurm transactions of various races in the barony's domain, so there is absolutely no shortage of magic materials Cook, so Cook decided to start the influence of Mekay Bank in the Empire of Light.

"Tsk!" Mo Luo could only praise it, and Cook said that it was at least hundreds of millions of gold coins spent.

Mo Luo looked at Cook, and then said, "Since we have worked together so happily, what about this fire elemental fruit?"

"No, but Miss Morrow can take pictures of it then, and I can't even lend it to you privately. Cook immediately refused, joking, as soon as this opening was opened, he didn't know how to stop it.

"Alright then, I'll let the people from the empire come right away. Morrow heard Cook say this, so he had to reply.

Mo Luo then left, but Cook is going to worry about it next, you must know that Mackay Bank is not without reserve personnel, but the training reserve personnel are mostly orcs, and there is only one bank in the barony's domain, and the bank also needs a specific person in charge, although Uncle Gerry has business acumen, but he is responsible for enough things, and the Chamber of Commerce is too large now, and it needs to be carefully sorted out.

Thinking of this, Cook went directly to the port, and found Gerry and asked for someone directly: "Uncle Gerry, is there a trustworthy person, I need a trustworthy person to be responsible for a mess of things here." ”

"Cook, what kind of thing is it about?" asked Gerry after a moment's thought.

"Hehe, it's about forming a bank. Cook told him about the bank, but when Cook saw the white hair on Gerry's head, his heart moved, he had a lot of subordinates, and it seemed that his level could be improved, and with so many elemental fruits in his hands, he could refine a batch of talent potions.

"Cook, this idea for this bank is definitely a golden idea. With several years of training, Gerry is very keen on business opportunities, and when he heard Cook talk about the bank, he immediately stood up and said.

"Yes, so a trustworthy person is needed. Cook was also helpless, the development was too fast.

"There are people, but this person ....... Gerry replied with some embarrassment.

"Uncle Gerry, you tell me who is the first, I will decide whether it is suitable or not, you don't have any burden. Cook saw Gerry's hesitation and immediately spoke.

Gerry said with a smile: "Actually, Murphy is suitable, Murphy has always been sensitive to numbers. ”

"That's Senior Sister Murphy, and I'll find a few more gnomes to assist Senior Sister Murphy, but this will require a group of magic apprentices, and Uncle Gerry will need to come forward. Cook knew why Gerry stopped just now, because Murphy was Uncle Gerry's daughter, and Gerry was afraid of Cook's relationship with him, so he stammered, but Cook was not afraid, after all, Cook's current power on the surface would not let Gerry make any wrong moves, let alone in private.

"That's fine, how many magic apprentices are needed?" asked Gerry with a sigh of relief.

"Three or five hundred. "Cook calculated, it must be three or five hundred people, although it is said that the Empire of Light does not need so many this time, but for the sake of the future, it doesn't matter if there are more.

"How much?" Uncle Gerry asked in disbelief.