Game of Thrones: The Strongest Dragon Mother

Chapter 384 The Doctor of Braavos

Talking about his most professional job, the fat man's bulbous nose is red and bright, like a light bulb.

He said sincerely: "Your Majesty, to tell you the truth, our iron bank relies on lending, and the annual profit rate is at least 10% - 30%.

That is to say, if we do business with 100 gold dragons, we can get a profit of about 20 gold dragons.

If you don't believe me, you can go to other banks in the trading city to inquire.

They are not as stable as the iron treasury, probably between -45% and 64%.

Well, we only make money but not lose, they make money and lose money. "

"That is to say, if I want you to be grain middlemen, I will give you at least 10% of the profit?" Dany said.

"This, it should be more than 20%." The fat man rubbed his hands, and seemed embarrassed to say: "The average profit is about 20%. If you want blacksmiths to switch to selling flour, the profit in the flour industry should at least not be lower than that of being a blacksmith. You said, Is this the reason?"

"The annual interest rate of the Iron Bank's loan to the Iron Throne is only 6 percentage points, how much lower than 20%?" Jerodine said coldly.

The spoon watchman put on a bitter smile on his fat face, and said, "Sir Dane, you need to consider risks when doing business. For a business that is sure to make a profit and never loses, the profit is naturally low; for a business with high risk, the profit must be high. bankruptcy.

For example, lending to maritime merchants is very risky.

In a little accident, the ship crashed and people died, the merchant committed suicide by jumping into the sea, and our loan sank into the sea.

Therefore, the interest rate is as high as 80%-500%. Even so, few banks dare to allocate funds casually. "

"Why do you think that buying food for the Queen is more risky than lending to the Iron Throne? The Queen has already deposited the cash in the Iron Vault, so she can still renege on the debt? The Iron Throne hopes that you can clear the bad debt before the next summer." Gero The purple eyes were full of sarcasm.

"The iron treasury cannot be in arrears!" First he swore, and then the fat man explained with a smile: "The Iron Throne is the king of the Andals, the Rhoynar and the First Men, with the whole of Westeros as collateral. Iron Bank Loans.

As long as there are kings in the Seven Kingdoms, and as long as Westeros exists, we will be able to recover the principal and interest.

But the Dragon Queen wants us to be middlemen, and middlemen are also businessmen, and businessmen will lose money.

For example, if the grain purchased by the Dragon Queen at a cost of several million has been stored for five years, and it turned out to be moldy and broken, then she will definitely not want it, and the loss is not counted on the middleman? "

Danni's complexion changed when she heard this, and she sighed, "I just wanted you to help me work."

You jumped into the pit yourself, who is to blame?

"Oh? Tell me." The fat man raised his eyebrows.

"Iron Bank accepts my employment and becomes my grain purchase manager. You charge labor fees and don't have to take any risks. That way there shouldn't be a 20% commission, right?" Dani said dejectedly.

Fatty Besalo nodded with a smile, and said, "Yes, if it is the cooperation model you mentioned, the profit will be 15% at the top."

Then, his face became extremely solemn: "Your Majesty, you also said that you can buy unlimited food. That is a big business with tens of millions of gold dragons, and it spreads all over the entire continent of Essos. How much manpower and material resources should the Iron Bank spend?

Just like the example given before, for blacksmiths to change their careers, they must have higher profits than blacksmiths.

For your grain purchase plan, the power of the entire Iron Bank will be mobilized, which will seriously delay our original business, almost equivalent to changing from a banker to a grain merchant. "

"That is to say, if you want to be big grain merchants instead of managers, you will sign a contract with me as a seller?" Dany confirmed again.

"That's right, you only need to deposit gold in the iron vault in advance, pay a 30% deposit, and we will definitely give you equivalent food in five years.

As for how we buy grain, at what price, and how to store grain, you don't have to worry about it.

For five times more, we'll even help you get your provisions to Dragonstone. "Besalo said confidently.

The Dragon Queen reluctantly nodded and said, "There is one last question. How much food will I receive in five years?"

"That depends on how much gold you have." Besalo said.

"So confident?" The Dragon Queen raised her voice.

"Today's grain prices are about 20 Jinlong and 200 tons. The land in the Lorne River Basin is fertile. Considering the upcoming winter, let's say one crop a year. One mu of ripe land costs [-] catties of grain. Ten thousand Ton is about [-] mu of land.

One billion mu of farmland and pastures can be planned only on the Andalus Plain of the Lorne River.

If from now on, all 10 billion mu of land is sprinkled with winter wheat, and 20 million tons of wheat can be harvested in one year, you will have to spend 20 billion gold dragons to buy it.There are [-] billion golden dragons in Slave Bay? Besalo smiled confidently.

Andalos is the hometown of the Andals. It is close to the Braavos Strait in the west, the Upper Lorne River in the east, and there are high mountains in the south and white direction.

Although the terrain is hilly, there are many plains suitable for farming because of the mountains and rivers, and it is definitely the foundation of the king.

It's a pity that the conflict of civilizations in the continent of Essos is too fierce, and the Andals, who are so powerful in Westeros, can't keep their ancestral property.

Today, the Andals of Essos are nearly wiped out, and Andalos is under the control of the Braavosi.

Andalos basically supplied all of Braavosi's food, meat, milk and production materials.

Well, the water city of Braavos has a large sphere of influence, and there is no shortage of food.

But the fat man was still bragging.

Not to mention one billion mu of farmland, the vast Andalus can have 20 billion mu of arable land, but arable land is not equal to arable land.

At the very least, farmland needs farmers to take care of it!

Even the Great Heavenly Dynasty doesn't have 20 billion mu of arable land!

Dani's Slave Bay is ten times richer than Andalus. The two big rivers plus the Kaiyuan Plain cover hundreds of thousands of square kilometers.

However, limited by the population, the effective use of farmland today is not even 2000 million mu.

There is no doubt that the population of Braavos is not as large as Slaver's Bay, and it is impossible to grow a billion acres of wheat.

But Dany didn't care if the fat man was bragging, as long as he could grow the food she needed.

"I have gold from 5000 million golden dragons, silver from 800 million golden dragons, and jewelry from more than 1000 million golden dragons."

Dani reported a shocking number, Geraldine and the chief swordsman both looked shocked, but Neptune and Besalo looked flat.

In fact, anyone who has been to the gold cave in the Iron Bank will not be overwhelmed by tens of millions of "little money".

"We don't accept silver for this." Besalo said hesitantly.

Although silver is only worth 800 million golden dragons, its volume is more than 5000 times that of 50 million golden dragons.

It seems that the iron bank will lose money after transporting thousands or tens of thousands of kilometers? !

"If you don't accept it, don't accept it. I also have to save some money to set up a bank in Slaver's Bay." Dany said casually.

"This..." Besalo's eyes lit up, and he asked with a kind smile, "I wonder if Iron Bank can take a stake?"

"No, what I want to build is a national bank, and foreign capital is not allowed to enter, but you can go to Slaver's Bay to open a branch of the Iron Bank." Dany said.

"Great!" Besalo was even happier.

Although the Ghisians are depraved, there are two things they do very well: first, the economy is completely independent, and the entire Slave Bay does not even have foreign banks;

Second, their own Temple of Holy Grace has become a brothel, and their beliefs are in a mess, but they resolutely resist foreign religious forces. They are almost the only country in the world that does not have a Red Temple.

Well, even the harbor cities of Westeros have temples to the Red God.

"In the end, I need a fleet, either rent or buy, and at the same time equip a group of sailors, set off immediately, go to the Great Wall, go to East China Sea Watch, and take the savages waiting there to the Narrow Sea for the winter." Dany said.

"Savage, you want to use the power of the barbarians beyond the Great Wall to attack the narrow sea city-state?" Sea King cried out in surprise, and immediately shook his head: "Braavos cannot do this business with you."

"Braavos also joined the allied forces?" Dany asked indifferently.

"Braavos opposes slavery, why would he join the Allies? But we don't want to see the political situation of the narrow sea city-state changed, which conflicts with the interests of Braavos." Sea King said firmly.

"I just want to find a piece of unclaimed land in the disputed lands for the wildlings to spend this winter." Dany sighed.

"Hehe, do you believe this kind of thing?" Sea King sneered.

Dany turned her eyes to the fat watchman who was smiling and listening, "Braavos is not the only one with ships, and you can't stop me. Why don't you make money, I save time and energy, everyone is friendly ,how?"

A gleam flashed in the fat man's eyes, and he asked, "You must bring the savages to the land of disputes?"

"I signed the "Tripartite Lease Agreement" with the savage, a sacred contract that cannot be violated." Dany smiled gently and said firmly.

The fat man glanced at the gloomy Neptune, wondering: "This matter is of great importance, we must discuss it.

There is also the specific regulations of the "grain comprador", which also needs to be discussed carefully.Why don't your Majesty go to the Haiwang Palace to stay for a few days, let's discuss it in detail? "

Dany shook her head and said, "I'm leaving tonight. Whether to sell the boat or not is a matter of words. As for the terms of buying food, Sir Geraldine is solely responsible for it. The white knight is qualified to sign the contract on behalf of the Queen."

Besalo approached the Neptune, and with a voice that the Dragon Queen could hear, said softly, "I'll ask the doctor and the guard? They're by the Moon Pool."

Haiwang's complexion changed, and he said angrily, "When did it happen? I don't know anything about it."

Besalo looked at Dani and said to the Sea King: "They are very concerned about the Dragon Queen's arrival, and they will follow your fleet on a purple ship. It was decided temporarily."

The "Sea King" is the ruler of Braavosi, with as much power as a king.

Under Neptune, there are no titles such as duke or earl, and the administrators of the city are guarded by learned doctors and iron treasury.

The "Doctor" of Braavos is as knowledgeable as the Doctor of the Citadel.

But the position is completely different, the doctor of Braavos has greater power, and more direct management.

In other words, a Ph.D. in the Academy is equivalent to a Ph.D. in a modern university, while a Ph.D. in Braavos is equal to a Jinshi.

Well, similar to the ancient scholar-bureaucrats of the Celestial Dynasty, Braavos' civil service system was constructed.

Of course, there are also differences from scholar-bureaucrats. The "doctor" here is similar to a title and can be passed on to future generations.

Uh, it is equivalent to the fact that the father passed the "Jinshi" examination, and only his son can inherit his "Jinshi" position.

Of course, in order to inherit the family's doctorate, one's knowledge and talent must be qualified, and fools and idiots are not eligible to become doctors.

The "keepers", the managers of the Iron Bank, consisted of shareholders, financiers, keykeepers, and lenders.

Strictly speaking, Fat Besalo is also a "guard".

The Wardens and Doctors make up the real ruling class of Braavos, and even Aquaman is elected by them from among the citizens.

The election process is mysterious and complicated, and it seems to refer to the prophecy of the Moonsinger and the "Oracle" of the God of Many Faces, which ordinary people can't understand for a lifetime.

(End of this chapter)