One Piece: My Spirit

Chapter 284 Chapter 284 Credit System

corn kingdom

Inside the building of Yuliang Group, Robin, Shanhu, Guina and others are drinking afternoon tea. In the past few days, Robin and Shanhu have finally experienced the feeling of taking a sea train in the East China Sea.

"It's really novel to take a sea train in a place other than the capital of water." Coral said happily after taking a bite of the chocolate cake.

"Indeed, and compared to the great waterway, the route environment here in the East China Sea is really good!"

Robin also expressed his opinion. Although the sea train in the water capital is still very safe, because it is located on the great waterway, it will encounter some extreme weather from time to time and cause suspension.

But there is no such situation in the East China Sea. Most of the time, the weather is calm. Even if there is a stormy weather, it is negligible compared to the extreme weather of the Great Channel.

Therefore, the sea train has only been in operation for a short month, and it has brought visible changes to all the islands along the way!

The most obvious of these is the improvement of the benefits of the local economic industry, followed by the business opportunities brought about by the increase in population mobility.

"But the most important thing is that the sea train is like an invisible tie, connecting everyone closely."

Compared with corals, Robin sees this more thoroughly, or envisioned this situation as early as when he was in the capital of water, but the prospects and influences shown now seem to be far more far-reaching than planned.

With the emergence of sea trains, the deeper impact has gradually been revealed, that is, the cohesion and sense of identity of people's hearts!

Although it is still very weak at this time, with the passage of time and the appearance of new train lines, the entire East China Sea will eventually be subtly condensed into one ball!

"That's right, Guina, we passed through several islands when we came here, and we all saw something called 'Jade Grain Bank'. I heard from Kerla that this was your idea. What is this thing?! Why do people want to deposit money in it?"

Coral suddenly remembered the strange things they found on some islands they passed by in the past few days, and Robin was also very curious about the use of this so-called 'bank'?

"Hehe, I didn't expect you to find out so quickly. I thought not many people would pay attention." Guina smiled and looked at Shan Hu and Robin, and was also a little surprised at how sensitive they were to this matter: "Actually, the concept of this 'bank' was mentioned by someone a long time ago, and it is actually an institution engaged in lending, lending and deposit business."

"Eh?! Isn't this the dark gold?"

Coral's first reaction is dark gold, which is generally called "usury". Among them, Feld in the underground world is called "Dark Gold King", and Mond, who used to run casinos and entertainment cities in the emerald capital, is also Feld's subordinate!

"Hehe, this is very different from the 'dark gold' in the underground world. Our 'bank' mainly exists as a neutral intermediary agency, and its main business is also on deposits. There are also strict requirements for lending, mortgages, personal credit, etc., and there are no unspoken rules of high interest in the underground world, and everything is open and transparent."

Guina explained some of the main features of the 'bank'. Compared with the chaotic 'dark gold business' in the underground world, the bank is a more open, fair and more common people-oriented institution.

The banking industry carries and manages the currency and capital wealth of the whole society. If currency is the blood of the economy, then the bank is the heart.

And this was also the suggestion that Shire gave to Kuina when she was in the Water City. After Shire learned that Kuina had such a large cash flow, coupled with the more economic benefits brought by the opening of the sea train in the future, judging from the knowledge and experience of Shire's previous life, it is necessary to prevent the establishment of a financial system before it happens.

Because Charles found that the concept of finance does not seem to exist in the world of One Piece, perhaps this is related to the rule of the Tianlong people, and it is also related to factors such as the perennial proliferation of pirates, geographical isolation, and the collapse of social rules.

After all, one of the most important properties of finance is the 'credit system', but there is no 'credit system' in the world of One Piece. It is already thankful that others don't put cold guns behind your back, black hands, and robbing.

Therefore, there is no "bank" known in the previous life, and even relatively backward "money houses and pawnshops" have not appeared.

On the contrary, underground 'dark gold' like Feld's is very popular, but the emergence of new models and industries like 'banks' is only very small and inconspicuous, and can only be implemented in places controlled by Kuina.

"But will someone really deposit their own money in this way? And whether ordinary people or pirates can deposit money in the 'bank', is it really okay?"

Although Coral is very interested in the 'bank' model that Kuina said, and also finds it very novel, but after thinking about it carefully, Coral seems to think that there are still many problems in it, but Coral also believes that Guina will not be aimless.

"Actually, it's very simple. Saving money is like giving someone a loan. Saving money also has interest, so you don't have to worry about no one willing to save money." Guina smiled, and then continued: "As for the following issues, it is true that we must treat them equally, so that we can establish a third-party 'credit institution' that can be trusted enough by ordinary people, pirates, and navy!"

Robin, who had been silent before, also said at this time: "Coral, in fact, there are deeper considerations and games in it."

Speaking of which, Robin looked at Kuina seriously: "What I'm talking about is if. If the pirates all deposit their money and wealth in the bank, then what does the bank mean to them?"

"What does it mean? If so much wealth has been accumulated, these greedy pirates will definitely try their best to rob it!"

Coral was a little confused about the meaning of Robin's words, but Kuina, who was opposite, looked at Robin with admiration.

Robin shook his head: "No, on the contrary, not only will they not take the initiative to rob, but they will even take the initiative to maintain and protect the bank, and jointly deal with those pirates with malicious intentions."

"Eh?! This...how is this possible?"

Pirates are a group of bullying, burning, killing, and looting guys. With so much wealth in front of them, how can they not be greedy? !

"Coral, this is the human heart!"

Robin had an indescribable emotion on his face at this moment.