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<blockquote data-quote="Someone" data-source="post: 2895558" data-attributes="member: 5656"><p>It has too much of a modern feel, IMHO. What about this instead:</p><p></p><p>In ENWorld banks evolved relatively recently from petty moneylending to major businesses with the rise in commerce. They are privately owned, and deal with money exchange and lending. Though they are becoming powerful institutions, their number is still small and thus they have no regulating guild. <em>(this allows PCs to start banking businesses using the normal profession rules)</em> Trust and reputation are the major assets of a bank, and newcomers have to work hard to make themselves a place in the business.</p><p></p><p>Normally banks work closely with temples, where money is actually stored, since clerics have actually the magic to defend against thievery and the sacred nature of them also deters robbery. Delanor´s temples are the most commonly used for that, since he has temples in most of the major ports, where commerce and banks thrive. </p><p></p><p>Banks offer the following basic types of services:</p><p></p><p>- Credit; a loan the bank offers an individual or institution in exchange for interest. It´s usually quite high (25% at least) since LEW is a dangerous world; the form and time of payment can vary depending on the customer.It´s a rare thing that a loan is granted to an unknow or unreliable individual such as an adventurer, and the interest in that case would be really high.</p><p></p><p>- Money movement; gold is heavy and can be impure, and jewels are difficult to appraise properly. Important banks can issue letter of credit to be paid on distant locations by other banks or branches of the same bank; that eases the transport of "money" from one place to another. Letters of credit aren´t currency, but are increasingly being used as such (being just stored and traded instead of being converted to money) however, they are only used for large amounts of money and are normally checked and verified throughly before paid.</p><p></p><p>Letters of credit can come in an increasingly large aomount of varieties about how, when and to whom are they paid.</p><p></p><p>An adventurer could use this service, "transfering" money previously stored at the temple to another location, though the bank usually won´t bother for amounts lesser than 1000 gold coins. The normal commision for that is 1% of the value of the letter of credit.</p></blockquote><p></p>
[QUOTE="Someone, post: 2895558, member: 5656"] It has too much of a modern feel, IMHO. What about this instead: In ENWorld banks evolved relatively recently from petty moneylending to major businesses with the rise in commerce. They are privately owned, and deal with money exchange and lending. Though they are becoming powerful institutions, their number is still small and thus they have no regulating guild. [i](this allows PCs to start banking businesses using the normal profession rules)[/i] Trust and reputation are the major assets of a bank, and newcomers have to work hard to make themselves a place in the business. Normally banks work closely with temples, where money is actually stored, since clerics have actually the magic to defend against thievery and the sacred nature of them also deters robbery. Delanor´s temples are the most commonly used for that, since he has temples in most of the major ports, where commerce and banks thrive. Banks offer the following basic types of services: - Credit; a loan the bank offers an individual or institution in exchange for interest. It´s usually quite high (25% at least) since LEW is a dangerous world; the form and time of payment can vary depending on the customer.It´s a rare thing that a loan is granted to an unknow or unreliable individual such as an adventurer, and the interest in that case would be really high. - Money movement; gold is heavy and can be impure, and jewels are difficult to appraise properly. Important banks can issue letter of credit to be paid on distant locations by other banks or branches of the same bank; that eases the transport of "money" from one place to another. Letters of credit aren´t currency, but are increasingly being used as such (being just stored and traded instead of being converted to money) however, they are only used for large amounts of money and are normally checked and verified throughly before paid. Letters of credit can come in an increasingly large aomount of varieties about how, when and to whom are they paid. An adventurer could use this service, "transfering" money previously stored at the temple to another location, though the bank usually won´t bother for amounts lesser than 1000 gold coins. The normal commision for that is 1% of the value of the letter of credit. [/QUOTE]
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