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371 - - Barca Bank's new business

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"How's it going, old man? Is it going well?"

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Yeah, so far we haven't had any major problems. I mean, it's been well-received, partly because it's a rarity. Some people have even asked to exchange their coins for Barca silver coins.

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"Good. Keep up the good work."

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　Coinage started in Vulcania.

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　The new coins, called Balkan silver coins, are traded at the Bank of Balka.

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　The design of the Barca silver coin, which was decided by the artist, is a clock tower on the front and a figure of Valkyrie on the back.

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　I think it is a good choice.

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　Although the clock tower was created by the initiative of Barca, it was modeled after the clock tower in the city of Fontana.

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　It may have the effect of giving the impression that the coin belongs to the Kingdom of Fontana, even though it is called a Barca silver coin.

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　Moreover, the design is similar to the simplified versions of the clock towers made in different parts of the kingdom, so it can be said to be applicable to all of the Kingdom of Fontana.

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　The Valkyrie on the reverse side is no problem, as it is the most Valka-like picture ever.

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　Well, at first they wanted to use my face on the silver coin, but I firmly rejected that idea.

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　The silver coins are actually used.

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　First of all, this new silver coin was used for repayment of short-term Barka banknotes.

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　The silver coins were used to repay an IOU owed to a previous holder of gold.

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　The silver content of the coins was the same as that of the existing silver coins, but I was worried that the coins might be too unpopular.

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　However, it seems to have been accepted somehow.

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　I guess they had some confidence that they would not go bankrupt immediately, since they had been pretending that there was a lot of silver in Barca for a long time.

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　Well, at any rate, the new silver coin started out as a hyper-local money.

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　However, this was not the end of the activities of the Barka Bank, which created the Barka silver coin.

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　The Bank of Barca decided to make the bank function in other ways as well.

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　The Bank of Barca's business at this time was mainly twofold.

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　The first was to borrow money by issuing banknotes to those who had money.

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　On the other hand, it also lent money.

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　In order to make the lands in the Kingdom of Fontana more fertile and productive, the bank has been improving the agricultural lands in the Knight's Domain and others, demanding a certain amount of money for the improvement.

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　However, for those knights who could not pay the amount or could not spend it immediately, the Bank of Barca lent money to them.

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　Nowadays, in addition to farmland improvement, the bank also constructs roads and railroads, and some knights borrow money for these projects.

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　However, it is not always the case that lending and borrowing money is the only work of a bank.

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　The first thing that came to mind was money exchange.

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　Exchange coins currently in circulation.

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　Among the coins to be exchanged at the appropriate rate, there was a silver coin to be exchanged for a Barca silver coin.

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　This was done in the hope that the Balkan silver coins would be distributed in the market and actually used.

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　Another banking business that they started was deposits.

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　You can deposit your money in the Barka Bank.

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　That's all there is to it.

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　No commission is charged, but no interest is earned on the deposit.

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　But this was more popular than I thought it would be.

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　You open an account at the Bank of Barca in Barcania and put your money there.

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　When the bank receives the money, it gives you a draft.

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　The owner of the account, who receives a bill with a fixed amount of silver per bill, can withdraw money from the account by bringing the bill to the bank.

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　In other words, it would be like a ticket or a golden ticket.

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　It seems to be a good idea.

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　Coins such as silver coins are unexpectedly heavy.

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　Carrying them around is, in a sense, the same as carrying around a lump of metal.

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　Sometimes I think that I am doing muscle training.

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　But what if it were a Barca bill?

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　You can withdraw them anytime at any balka bank.

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　No need to carry around silver coins.

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　You can withdraw them anytime you need, as long as you go to the bank, and the actual bills are securely guarded by the Bank of Barca.

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　It is a much safer place to keep your money than ordinary households.

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　However, even so, it is natural to wonder if the bank will really return your deposited money.

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　However, it seems to be a good thing that the bank is directly managed by me, the head of the Barca family.

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　Although he spends a lot of money in spite of his appearance, he has never been in a situation where he might go bankrupt due to financial difficulties.

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　At least the public doesn't know that I have run out of money more than once.

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　Barka has acquired a new silver mine and has even created the Barka Silver Coin.

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　I guess it looks less risky to deposit gold than anything else.

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　And there was an even bigger factor.

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　It was the information that came over the radio every day.

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<<< What?　What are you talking about?　What do you mean you put your money in the bank? >>

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<Read at https://w w w . m t l r e a d e r.com

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<Read at https://w w w . m t l r e a d e r.com

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<<Read at https://w w w . m t l r e a d e r.com

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<< hahaha. I see. Your wife would rather protect money from her husband than a thief. That's good.

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<Read at https://w w w . m t l r e a d e r.com

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　Every day the radio is filled with stories about the new business venture of Barca Bank.

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　Various radio personalities are actively talking about deposits and other things.

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　Well, that's partly because I said to the personalities, "Take care of Barka Bank for me.

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　Of course, I am at the top of the Barca Cultural Broadcasting Station, and not many people have a bad word to say about my bank.

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　So, after listening to the daily radio broadcasts, people started to use the bank in their homes.

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　Thus, the Balkan silver coinage began to spread little by little, especially in Vulcania.

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　Unlike outside the Kingdom of Fontana, where turmoil still continued, time was peaceful.

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