Common Sense of a Duke’s Daughter

Then for a few weeks, he ran for the establishment of a bank. Securing buildings, securing equipment… as always, there was a heap to do. And then came the day of the meeting of promises. The designated location is the headquarters of the Commercial Guild of the Duke of Armenia Branch. Though I thought about it when I met Moneda, I'd still be intimidated by the heavy interior.

"... well, gentlemen. Thank you for coming here today during your busy day."

First, a greeting from me. The members here are really thankful to be gathered here today because that is the bitchy filling of the 1 second schedule.

"No, no, no. As both of us, we've been looking forward to seeing you, the meeting of the Chamber of Commerce we've been talking about."

Guillary and glowing sharp eyes. It's a boulder... full of power.

"I am here today to greet you not as the head of the Azzuta Chamber of Commerce, but as Lord's Representative of our Duke of Armenia."

"Well... as Lord's Agent?"

"Yes. Otherwise, I can't bring you all together. My chamber of commerce is still a newcomer."

"Be modest. We've heard a lot about its activity."

"Well... as a compliment, let me take it. So this is today's business…"

Piscilli and the air froze for a moment.

"First, we have established a bank in our territory. We want you to use it."

"... bank, is it?

"Yes."

"Excuse me, what is that?

"Simply put, it's a developed version of the funding sector in the current commercial guild. Are the main operations such as deposit business, exchange business, and loan business?"

"Deposit operations...? Loan operations......? I've never even heard of it... and what's the point?

"First, deposit operations. Until now, funds could be deposited, whether by chambers of commerce or individuals, in the funding sector of commercial guilds. Make sure you do that in the bank. It would be advantageous for a commercial guild just to eliminate the need for the entire cost of maintaining the escort they had hired for the funding sector, wouldn't it? In addition, banks allow funds to be settled between accounts. For example, if you were depositing with each other's banks, you don't have to carry cash to transfer funds between bank accounts."

As for the deposit business, I thought I'd do the same as that in Japan. I mean ledgers and seals. However, the difficulty is that the process can only be traded at the base where the documents at the time of opening the account are kept. Considering that, it would be nice to have a current deposit for the Chamber of Commerce. Travelling to the region would be common, and in that case, I wonder if they might try to handle it by cheque or bill.

Alternatively, I'm thinking about creating a family registry in the future, so it might be a good idea to create an ID to go with it. So, you're going to prove it by pressing a seal dedicated to that person on the back of the ID? You don't have to make everything the same as Japan... but I'll pack this up later because I can think of one. Anyway, it's still going to take a while to create a registry, so it's a good idea to have it introduced later after the bank is set up.

With regard to seals, should they still be tattooed like nobles in this world without kanji? Asking you what you've been up to, you need to talk to Moneda about those details.

The same is true of the exchange operations, which contemplate only the handling of the base when the account is opened. There's no machine. I wonder if the method is to keep the customer's books separately from those kept by the customer, and then settle on the basis of them.

For this reason, those who currently work in the escort business are going to be hired by us collectively. The bank needs an escort, too, and if you're going to start shipping... Of course, the actual level of practice doesn't seem to fall apart until my good escorts treat me... so that's an initial investment.

"... I see. But is that really safe? You deposit your precious funds. There must be no danger."

"Of course, we put it under our shelter. Let me say that the quality of the guards we deploy is good. If, on the contrary, it appears to be wrongdoing, its fangs will of course be directed at the culprit, so it is evil."

"Hmm. So, what is lending business?

"Loan operations mean lending with the funds collected… that is, lending money. No matter, tough conditions apply… you can borrow money when you need it, such as when you start a new business, as long as you clear it too, right?

"That's funny"

"You can always keep your money and withdraw as much as you need. The settlement of funds will be easier. I can also borrow funds when I need them. Because of our shelter, our luxurious funds provide coverage unless" home ”is even destroyed.... What do you think? You complimented me on the management of the Chamber of Commerce earlier, but I'm trying to restore my profits to you as a proper lord, aren't I? Anyway, it's trespassing."

Nevertheless, all I can do as a territory is cover for the bank's credit, and I can't invest directly in the Chamber of Commerce, especially in the people in front of me. What do you mean, you put in taxes from the people? Most importantly, if our Chamber of Commerce hadn't succeeded, we would have spent almost as much on maintaining the Duke's house as ever, so it's not a strong mistake that our Chamber of Commerce is returning profits, is it?

"What do you want from us as a condition of that exchange?

"When it comes to setting up banks, you don't have anything to ask for. Because that would be best if the money in our territory got around better. Oh, but are you sure you want the commercial guild to let the banks headhunt the people who've been in the funding department? You'll remember a lot, but it's better to have fabric. Then, the head office is prepared on this side, but the other bases are not yet there, so if I could borrow them from the commercial guild branch, I'd appreciate it."

"Well, that's about it. They will take the initial cost and replace the shoulders of the fund division, which was a deficit area in our guild… we will be happy to work with you."

All right, you've got a look at setting up a bank.

"… then, next. Shall we move on to" getting down to business "for all of you at the Chamber of Commerce?

Once the loose air turned into a strained one again. There's no reason to end it here.... I gathered people with stuck schedules in this second... there's no way that this is going to end.

"This is the bank we talked about earlier, and we have decided to invest in the development of roads in our territory with the taxes of the deposited inhabitants. And one more thing." and the establishment of a school. "

"School...? Like in Wang Du?

"There will be no reason to try to build such an unproductive school until you use taxes. What I'm trying to make is a high department that teaches elementary and more advanced specialties to remember to read and write...... As a compulsory primary education, residents will always be allowed to attend, so we will set them up with our taxes. It's the High Department that wants you to bite."

"How do you want me to bite you?

"Frankly, you want me to invest. It's good for funding, it's good for supplying equipment and materials."

"Shouldn't we just let the banks and the others lend?

"The bank's creditworthiness was backed by our Duke's funds and tax collection. Excessive lending can upset your balance of payments and quickly turn your bank into a fire truck."

"You have a point. If so, shouldn't we wait for the school to be created?

"Hopefully, the school wants to open early. People are also an important resource in our territory. You won't be able to leave me alone without brushing."

"... Hmm. What are the specific concepts of the school?

"I'll hand it out now. Look at the material."

Sebastian, who was following us, handed out the materials to everyone. It's the material I've been preparing over the past few weeks.... Thanks to you, I haven't even had time to sleep lately.

"First, the eyeball is the establishment of the Pharmaceutical Department. After that, I'm thinking of the Consular and Accounting Departments."

"It's a pharmacy...?

The heads of the Chamber of Commerce give a surprised look. That should do the same. Doctors are held by royal aristocrats in this world, and their knowledge is not very widely disseminated. How valuable is that knowledge… anyone in the Chamber of Commerce will know. Normally, I would not be hired to kick high salaries and spread my knowledge.... yes, if “normal”. I used to think I could hire those people. I was thinking about taking a couple of our doctors, and my mother introduced me to where I heard this story. Don't look so wide in vain, that guy. Anything, he immediately admitted he wanted to relax in the country, and then he just wanted to grow backwards. As far as I'm concerned, so is the doctor, but as a person in the Chamber of Commerce in the future, I want you to make the most of my mother's bargaining skills in the Chamber of Commerce.

Because of this, the instructors in agriculture are scholars and farmers who are studying it. Seating and practical skills... right. The scholars are the ones who used their father's and mother's connections to gather them again. Later, I'm going to ask Leme to stand as a lecturer.