WT :: Volume #4

#312: Harvest

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Early fall time, the wheat, potato and various crops were finally mature. This is a bumper crop. Has saying that the heaven made Rod fully suffer to bear patiently, finally tasted the joy of harvest. Different from the industrial production, agricultural type of thing basically depends on nature for a livelihood. The climate and moisture content are suitable, the grain then can grow, otherwise, if encounters the natural disaster, how to save again, the function is also minimal. 初秋的时候,麦子、土豆和各种农作物终于成熟了。这是一场大丰收。不得不说,上天让罗德饱受隐忍,最终还是尝到了收获的喜悦。不同于工业生产,农业这种东西基本上还是靠天吃饭。气候、水分适宜,谷物便可以生长,反之,若是遇到自然灾害,再怎么挽救,作用也微乎其微。 What the luck is good, initially was arranged the farmers who open up wasteland to the suburb, at this moment basically welcomed the bumper crop. Because makes beforehand, first year exempt from taxation, does not need to turn in any grain, therefore, the farmer from Erengrad not only packs the barn the grain in large numbers, unnecessary also delivered to at the rural fair to trade, to receive in exchange daily necessities and silver coin. 运气好的是,当初被安排到郊外开荒的农民们,此刻基本上都迎来了大丰收。由于事先约好的,第一年免租,也不用上缴任何粮食,所以,大批来自厄伦格拉德的农夫不仅将谷物装满谷仓,多余的还送到了集市上贩卖,以换取生活用品和银币。 In order to guarantee the market order, making the grain price be insufficient the scale fluctuation, Rod purchased massive wheat and potato by the normal market price, to maintain the balance of supply and demand of entire market. But these food then as the Blackhammer Fort grain reserves, place in the barn for a long time. When meets the hungry famine year, then can take to provide relieft to the disaster victims. Is the grain in market is when scarce, then can put out part to sell to the market in the grain reserves, to receive in exchange profit, recoups the purchase cost. This is a part of macroeconomic regulation and control. Regarding grain type of seasonal mature thing, the official regulation is very necessary. 为了保证市场秩序,让谷物价格不至于大幅度波动,罗德以正常的市场价格收购了大量的麦子和土豆,以维持整个市场的供需平衡。而这些食物便作为黑锤堡的储备粮,长期放在谷仓中。什么时候遇到饥荒年,便可以拿出来救济灾民。或者是什么时候市场上的谷物稀缺,便可以将储备粮拿出一部分到市场上售卖,以换取利润,收回收购成本。这便是宏观调控的一部分。对于谷物这种季节性成熟的东西,官方调控还是十分有必要的。 After the producing economy activity are gradually many, various underground industries are also multiplying the development. Most obvious is the lending industry, a little small deposit, is thinking makes a small business transaction, this is the way things should be. When money on hand is insufficient, is thinking when makes the bulk bargain, then needs to spend money. Arrives at the present cost by the future profit. Therefore, the lending industry then continually multiplies. Always some people most get rich first, in these manpower is grasping compared with others more funds, then how is thinking money Shengqian. From the beginning likely was only the peripheral friends and relatives has the lending relations, the time grew, then did not satisfy the present situation, must the operation expanding. Therefore, the special reception organization produced. Rod knows, is the time standard capital industry, established the bank! 生产经济活动渐渐多起来以后,各种地下行业也在滋生发展。最明显的就是借贷业,有点小存款,就会想着做点小买卖,这是人之常情。而当手头的钱不够,又想着做大买卖时,便需要用钱。以未来的利润抵掉眼前的成本。于是,借贷业便不断滋生。总有些人是最先富起来的,这些人手里握着比别人更多的资金,便想着如何钱生钱。一开始可能只是周边的亲戚朋友发生借贷关系,时间长了,便不满足于现状,要将业务扩展出去。于是,专门的接待组织就产生了。罗德知道,是时候规范资本行业,成立银行了！ Just, before establishing bank, a matter must be done. Attack usury! 只不过,在成立银行之前,还有一件事情要做。打击高利贷！ The greedy heart of human had it since old times, without the capital, is actually thinking the undertaking, does business. This is the greedy performance. But had the capital, is actually thinking charges the high interest, this similarly is also the greedy performance. Normal lending Rod permits, among the friends and relatives urgently needs, the lending money fund misappropriation, this indisputable, wants to manage is impossible to provide lodging. But if charges the ultra-high interest, then must manage. Because this is very likely to cause the borrower unable the repayments, thus causes the violence to demand payment and other series of social concerns. Meanwhile, taking advantage of usury group of people are not the good bird, occupies holds more funds compared with others, is thinking sits makes money. This matter should extinguish essentially kills in the source. 人类的贪婪之心自古有之,没有资本,却想着创业,做生意。这是贪婪的表现。而有了资本,却想着收取高利息,这同样也是贪婪的表现。正常的借贷罗德还是允许的,亲戚朋友间有急用,借钱挪用资金,这点无可厚非,想管也不可能管得住。但若是收取超高利息,便必须管了。因为这极有可能引起借款者无法还款,从而导致暴力催债等一系列社会问题。同时,借高利贷这帮人也不是什么好鸟,占着比别人占有更多的资金,便想着坐地生钱。本质上这种事就应该灭杀在源头上。 Therefore, while starting preparing to establish the bank, Rod makes Virgil lead the castle guard to clean up the illegal money shop fixed time. Because Blackhammer Fort was still at the beginning of the development, this industry is not too developed, must process is quite easy. Entire Blackhammer Fort operates this thing, but few several people. A club gets down, almost cannot crawl. 于是,在着手准备成立银行的同时,罗德让维吉尔带着城堡卫队定时清理地下钱庄。由于黑锤堡尚处于发展初期,这个行业并不算太发达,要处理起来还是比较容易的。整个黑锤堡经营这个东西的,不过寥寥数人。一棒子下去,几乎就爬不起来了。 After sweeping the underground black money shop, Rod also started in the entire town construction system most essential link — — to establish the official bank. Different from general Lord in personal treasury's to territory aristocrat lending, Rod here, the bank not just single is a treasury, borrows to collect the interest money is so simple. It is the center hub of entire Blackhammer Fort economic activity. 扫荡完地下黑钱庄之后,罗德也开始了整个城镇建设体制中最关键的一个环节——成立官方银行。不同于一般的领主用私人金库向领地内的贵族借贷,在罗德这里,银行不单单只是一个金库,将钱借出去收利息那么简单。它将是整个黑锤堡经济活动的中枢枢纽。 First, establishes the official bank, because the mass is big, the interest is lower than the private loan, can crush almost all private loan behaviors, the words of need money investment, looks for the Lord bank to borrow. Through borrowing the total capital, Rod can examine entire Blackhammer Fort investment intuitively ; Next, because each sum of money has the registration, then can grasp flow direction of fund clearly, can sit in the office knows at present in the entire territory the development situations of various industries. If some industry growths are overheated, but can also control through the means of adjustment interest rate, similarly, if some industry growth lags, need to support, can through reducing the means of interest rate encourages to invest. After all, Lord oneself impossible person to assume full responsibility in the territory all projects. A middle-and-small castle still had the possibility, if the development is a big city. That impossible person to invest all projects. Therefore, ahead of schedule starts the bank to take to regulate the tool, can provide for a rainy day. 首先,成立官方银行,由于体量大,利息比民间借贷低,可以挤垮几乎所有的民间借贷行为,需要钱投资的话,就找领主的银行借吧。通过借出去的资金总额,罗德可以直观的检测到整个黑锤堡的投资发展情况;其次,由于每笔钱都有登记,便可以清楚的掌握资金的流向,可以坐在办公室就知道目前整个领地内各行业的发展情况。若是有些行业发展过热,还可以通过调节利率的办法来控制,同样的,若是有些行业发展滞后,需要扶持,也可以通过降低利率的办法鼓励投资。毕竟,领主本人不可能一个人包揽领地内所有的项目。一个中小型城堡尚有可能,若是发展为一个大城市。那就不可能一个人投资所有项目。所以,提早设立银行作为调控工具,可以未雨绸缪。 Also, the bank takes the financial instruments, can absorb the private capital, making Lord do many things. For example if the future needs to launch a war, but on does not have so many funds on hand, then can the people in territory, regardless of the civilians or are the aristocrats, borrows money from them, said that the point of pleasant to hear is the issue debentures. After the commitment war ended, divides equally the benefit to the people. Make everyone the Lord creditor, seems like ten discrete spectra, but actually helps form a people's cohesive force. Good and evil your money in the Lord pocket, won you to divide to the benefit, lost did not have. Thus, so long as is participation person, all action of frantic support Lord. Moreover, no one hopes that Lord died...... Lord dead, without the creditor, their money is unable to pursue. 还有,银行作为金融工具,可以吸取民间资本,让领主做很多事。比如今后若是需要发动一场战争,而手头上却没有那么多资金,便可以向领地内的民众,无论平民或者是贵族,向他们借钱,说好听点就是发行债券。承诺战争结束后,将利益平分给民众。让所有人成为领主的债主,看上去十分离谱,但是却有利于形成一种全民凝聚力。好歹你的钱就在领主口袋里了,打赢了你可以分到利益,打输了就没了。这样,只要是参与其中的人,都无不狂热的支持领主的行动。而且,没有人希望领主死……领主死了,没有了债主,他们的钱也就无从追讨了。 Naturally, this is only the local bank, but also is unable to achieve a Central Bank some complete function, for example the control of hot money, the regulation of exchange rate wait/etc. If must achieve the complete function of Modern Bank, needs the Kislev Tzar promulgation regulation, establishes the Central Bank, the nation acts in unison, that was the national level thing. At present, Rod has no time to be so far. 当然,这只是地方性的银行,还无法做到一个中央银行该有的全部功能,比如热钱的控制,汇率的调控等等。若是要达到现代银行的全部功能,需要基斯里夫沙皇颁布律法,成立中央银行,全国统一行动,那就是国家层面的东西了。眼下,罗德无暇想那么远。 Just like the beforehand all actions, the idea was given by Rod, however, truly in execution is actually Alvis. As the Blackhammer Fort manager, his matter are much more. Every large or small matter needs he to deal actually. For example this time establishes the bank, the propaganda work of preparations and people of manpower needs he to be done. For the work of more convenient Alvis, Rod gave him the key of treasury directly. The so-called personnel does not doubt, doubts the person not to use. After a all year round coordination and observation, basically can conclude that Alvis was available person. Moreover, drew back 10,000 steps saying that guarded the treasury was the Blackhammer Fort veterans, this can feel relieved decisively. 和之前的所有行动一样,想法由罗德提出,然而,真正在执行的却是阿尔维斯。作为黑锤堡总管,他的事情可谓多得不胜枚举。大大小小的事都需要他实际操盘。比如这次成立银行,人手的准备、民众的宣传工作都需要他去做。为了更方便阿尔维斯的工作,罗德直接将金库的钥匙交给了他。所谓用人不疑,疑人不用。经过了一整年的配合和观察,基本上可以断定阿尔维斯是可用之人了。而且,退一万步说,把守金库的都是黑锤堡老兵,这点断然可以放心。 Rod most mainly must do, is in the verification and inspection to account. After all, in the territory has many civilians, many aristocrats, many paddies, many forests and mines, these Rod are knows that every year income and disbursement also almost know, so long as in the account is not the difference are too many, can not need to go into seriously. 罗德最主要要做的,便是对账面上的审核和检查。毕竟,领地内有多少平民,多少贵族,多少田地,多少森林和矿场,这些罗德都是知道的,每年的收益和支出也都差不多知晓,只要账面上不是出入太多,就可以不用深究。
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