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Chapter 498 First Financing Meeting

"Da da da……"

With the sound of turning gears, the carriage moved forward slowly.

"Becca, speed up, we must reach the mountain territory today!"

The old man's words stunned the groom for a moment, and the whip in his hand stopped in the air.

"Master, don't worry! If the road behind here is so easy to walk, we will be able to reach the mountain territory this afternoon."

After reacting, Beka hurriedly replied.

"Ok!"

After getting the exact answer, the old man's face looked much better.As a sharp-eyed businessman, he sees things farther than ordinary people.

He noticed the Near East Development Bank as soon as it opened.In the name of Hudson, he boldly opened an account and deposited two thousand gold coins when his future was uncertain.

Originally, I wanted to sell a good one to Hudson and get a familiar face.It's a pity that the status and status of the two parties are too different. A small customer with only two thousand gold coins is not worthy of Master Hudson's attention at all.

The world is as it is, and there's nothing Tamer can do about it.Wanting to get on the line with Hudson was also forced out by the environment.

With the continuous development and expansion of his business, it turns out that the boss behind the scenes is almost unable to cover him, and he urgently needs to find a new backer.

It is not easy to take this step, and there are many merchants who want to go to the nobles.There is nothing special about it, and you can't even enter the door.

"Father, why are you in such a hurry? Even if it's a day or two at night, it won't affect anything!"

The boy on the side asked suspiciously.

It is true that efficiency is the key to doing business, but the situation is different now. Under the crisis of "money shortage", there is simply no business to do.

Prices continue to drop, buy now is to earn.Almost all merchants in the kingdom are deliberately reducing their inventory.

Under the influence of panic, no one knows where it is.What everyone can do is: wait and see the situation, and wait for opportunities to find opportunities.

"No, Jack.

What we have to fight for is one or two days!

The funds of the Near East Development Bank are not unlimited. Under the background of the "money shortage" crisis, it will be more difficult to obtain loans as the future progresses.

Under the same conditions, we cannot compete with the nobles when applying for commercial loans.

The decline in prices has begun to accelerate. In the current situation, whoever has cash in their hands will be able to make a fortune in the coming changes.

When everyone realizes this, we will have nothing to do with it! "

Tamer said with a serious expression.

This is a gamble. If the judgment is wrong and the wrong bet is made, the interest on the capital loan may not be able to earn back.

There is no problem buying high and selling low, the key is the speed of payment.For ordinary businessmen, a long-term backlog of a large amount of payment is very fatal.

This means that the timing of the end must be chosen correctly.Too early or too late, and there could be serious losses.

"Father, I remember you said: only do business within your ability.

We are not aristocrats, and we cannot get the best interest rate. Even if we can get a loan, the capital cost we need to pay will not be low.

Even if we can make a lot of money, if we use our connections to grab food, I'm afraid it will be..."

Before Jack could finish speaking, Tamer interrupted: "My child, you have indeed grown up, and you have not been blinded by the interests in front of you.

You are right that some money cannot be earned.In many cases, money is the original sin.

In recent years, we have performed so well that we have been targeted by others.If you don't want to be swallowed up by others, you must find a way to save yourself.

I am going to mortgage all the hot deals in my hands to the Near East Development Bank!
Including follow-up business, we will also take loans to do it.Even if there is no shortage of money, the loan will not stop. "

Hearing this answer, Jack was stunned.It never occurred to her that her father actually played a roundabout way.

Once the property is mortgaged to the Near East Development Bank, it will be difficult for the outside world to peep.Those who dare to snatch food from Master Hudson, there are not many in the entire kingdom.

The capital interest cost paid for this is equivalent to paying protection fees.

With more banks as cover, no one can figure out how much money they make.

It's useless even if someone peeps, the money is lying in the Near East Development Bank.Except for the daily operating funds, most of the wealth is the number on the magic crystal card.

The magic crystal cards are all real-name, and they can't withdraw money even if they are snatched, so they can't be escorted to the bank to withdraw money!

How is it different from robbing a bank directly by coercing customers to withdraw money?As long as the brain is normal, they dare not die like this.

In this way, the biggest problem is to bet on the reputation of the Near East Development Bank, or bet on the integrity of Master Hudson.

Thanks to the good reputation gained through years of operation, Hudson's name is still very useful in the southeastern province.How could a model of aristocrats who didn't even engage in land annexation plan to plot their little property?
At least in the past few years, everyone has never heard of the story of the Koslow family's robbery.

Even if you want to rob, you are robbing orcs.The upstarts of the Koslow family either opened up wasteland in the Near East or took root in the northern border.

In addition to the legal inheritance of the territory, the province has never deliberately expanded the fiefdom at all.Word of mouth and reputation are both leveraged in the circle.

Early the next morning, Tamer and his party went straight to the branch of the Near East Development Bank.When he arrived at the scene, he was silent when he saw the crowd queuing up.

As a bank that only deals with high-end customers, there are only scattered customers every day. When did such a scene happen?
There is no way, there are too many smart people.After realizing the spread of the "money shortage" crisis, everyone's first reaction was to raise cash.

Judging from the annual interest rate, the interest rate of the Near East Development Bank is indeed not low, but after splitting to [-] month, it is really not high.

Not everyone is like Tamer, who needs to wear tiger skins to protect themselves from disasters, and more people just borrow short-term turnover.

The monthly interest rate is less than two points, and there is no lower loan than this in the entire Aslant continent.

Had it not been for the need for mortgages and the strict review process of the Near East Development Bank for lending, I am afraid that there would have been no money to lend.

On the third floor, looking at the crowd queuing below, Rudolph's forehead was already sweating.At this moment, he realized that the business was too good, but it was not a good thing.

The bank can use the review as an excuse to delay the time of disbursement, but it cannot delay the disbursement for a long time.

Lending money is very simple, but the premise is that there is money in the vault.Because of lack of experience, the bank has released a large amount of loans in the past few days.

These customers who are coming now are all ordinary businessmen with delayed news.Be well-informed and start stockpiling your cash flow long before the fall harvest.

Those who came before were all high-quality customers with sufficient collateral and in line with the bank's lending standards, and the staff immediately released the money after reviewing.

The business volume is done, and the sequelae are that the bank's cash reserves continue to decline.Even if some customers leave their money in the bank, others choose to withdraw cash.

In order to reduce cash loss, the staff worked hard to sell golden tickets to customers.Businessmen who are more capable of accepting new things are okay, and most of them can accept the golden notes of the Near East Development Bank. The conservative nobles are different, they only accept cash.

Seeing that it was approaching the upper limit of the capital adequacy ratio stipulated by Hudson, Rudolph, as the person in charge, also had a severe headache.

"President, Baron Ezekiel is visiting. We were going to send it away, but he claimed to be your old friend."

Hearing the word "old friend", Rudolph's scalp tingled.It turned out that having more friends made it easier to travel, but now he is most afraid of meeting friends.

No matter how good his connections are, he still works for Master Hudson.It was hard for him to get into his current position, and he didn't want to put himself in it just to sell favors.

"Please!"

Anyway, everyone is here, so we must meet each other.

Similar scenes have been encountered every day since returning to the mountain territory.

Everyone knows that he is back, and even if he wants to say that he is not there, it will not work.Even if they use busy business as an excuse, they are willing to wait.

It is destined to be unavoidable, so simply receive it.

There are so many friends, mainly due to the nature of work.Rudolph originally helped Hudson sell arms, doing business with people.

Then he was transferred to the Minister of Commerce, which is also a position with a wide network of contacts.With the platform provided by Hudson, it is difficult to think of few friends.

The earliest contact with Baron Ezekiel was to sell weapons.

Back then, Baron Ezekiel had also had a good time. He once organized the local nobles to fight against the northern nobles who went south, and took advantage of it.

It's a pity that this good day didn't last for a few days before it was defeated.If it weren't for the noble protection mechanism in the Aslante Continent, he himself would be cool.

This is the fate of the little nobles. After one failure, Baron Ezekiel never got up from the quagmire.

Including the children of the nobles of the North who used to be so beautiful, now they have become oblivious to everyone!

It is not that their abilities are not strong, but that the opportunities of the times have passed.No matter how strong an individual's ability is, he can't fight against the general trend.

Unwelcome by the kingdom government and hostile by the nobles of the southeast province, in order to keep his foundation, he had no choice but to join Hudson's command in a low-key manner.

Including those who made military exploits, they were finally overthrown and charged with adultery with orcs.It was Hudson who came forward to operate, so that they were able to "atone for their crimes."

Baron Ezekiel is better, he doesn't have so much black history, and he doesn't attract much hatred.After the military strength of the territory was wiped out, it was nothing more than a bit of a hard life.

One step at a time, one step at a time.

He didn't have enough strength in his hands, and naturally he didn't have his share in the follow-up battle exploits.At most, after the victory of the army, they followed up with a little effort, in exchange for some verbal praise from the kingdom.

When they meet again, their identities have been reversed.The salesman who used to do door-to-door sales is now also in the position of Baron.

Although the title was conferred by Hudson, the gold content is lower, but he still holds an important position under Master Hu's command.

Whether it is social status or actual power, Baron Ezekiel cannot compare now.

After a few simple greetings, they went directly to the topic.

"Your Excellency, the Near East is undergoing large-scale development, and there should be a lot of food now, right?"

Baron Ezekiel asked a little nervously.

These days, he has been rejected many times.Neither the grain merchants nor the nobles who went to open up wasteland in the Near East were willing to buy grain.

"There is indeed a food gap in the Near East, but the need may not be as great as you think.

The Kingdom has agreed to collect taxes in kind, and the Near East garrison and front-line construction workers do not need to purchase food from outsiders.

If the money shortage crisis persists, everyone will use real goods to offset taxes, and the royal government will even have surplus grain to sell.

Your Excellency the baron, the current grain market is not very good. It is difficult to sell the grain on hand at such a time to get a good price.

It is better to store the grain first and wait and see the market situation.The crisis of money shortage will always pass. "

Rudolph comforted him.

It's all true, Xueyue Ling will indeed buy food, but that is after the price of food dropped sharply.

Now the nobles and lords are still carrying it to death, and the price of food on the market has dropped by less than ten points, unlike other commodities, many of which are discounted by [-] to [-]%.

Selling grain under this background will definitely be bargained down.

"Your Excellency, if I have a choice, why should I be in such a hurry?

I don't know why, but from the end of the war to the present, the price of food has not been good.

I thought the same way before, as long as I survived the crisis of money shortage.Last year, I only sold a small amount of stored grain, and the rest were piled up in the warehouse.

Unexpectedly, this year's situation is even more severe.It seems that the food consumption market has shrunk all of a sudden! "

Hearing Baron Ezekiel, Rudolph shook his head secretly.

The decline in food consumption in the kingdom is not due to the decrease in population, but mainly to the rapid development of fisheries.

Fish is also meat. As long as the price is cheap enough, it will inevitably have an impact on the grain market.

What's worse is that even if the price of fish meat is brought down, the profit of fishing is still high.The nobles in the coastal areas are basically vigorously developing the fishing industry.

After these fish meat entered the market, the free folk were all very excited, and they could finally see the meat.As a result, food consumption in most cities in the Kingdom has shown a downward trend.

Some changes will not impact the market, but the crisis of money shortage will be superimposed. After the contradictions are artificially magnified, the situation will be different.

Now the only hope of the agricultural aristocrats is that there is only one big food consumer in the Near East, otherwise everyone can only pile them up in the warehouse.

Not to mention a life-and-death crisis, no noble has ever bankrupted himself because of a good harvest.

It's just that it can't be changed for a while, and the nobles who count on growing grain for income and doing other things are tragic.

"If Your Excellency the Baron really wants to sell grain, I can help you get a line, but the specific price needs to be negotiated by yourself.

Generally speaking, the transactions of territories will follow the market conditions.The final price will most likely not satisfy you!
If you can accept the delayed golden ticket, then the price can be negotiated a little bit.

You can rest assured of the security of the Golden Ticket.The deferred golden ticket issued by the Near East Development Bank can be used to purchase any commodity in the mountains.The face value and gold coins are locked, and there is no risk of depreciation.

If you have not used it, after the golden ticket expires, you can take the golden ticket to our bank to exchange for cash. "

Rudolph said slowly.

Hudson has had the habit of hoarding food since the early days of his business, and it has continued to this day.

It's just that today is different from the past. The mountainous territory where a large area of ​​farmland has been developed has long since achieved food self-sufficiency.

An important factor in the unsalable grain in the southeastern provinces is that the largest buyer in the grain market has reduced grain purchases since last year.

Even if it is harvesting grain now, it is also a strategic stockpile of grain.This kind of purchase that is not urgently needed usually chooses when the price of food is the lowest.

However, in order to promote Golden Tickets, some profit concessions are also acceptable.The short-term extension of the golden ticket will not bring a lot of benefits, but it can help the golden ticket build its reputation.

If you want to change people's habits, you can't do it overnight.Now just let them try it out, and after they have the experience of using the golden ticket for the first time, it will be so repulsive to use it later.

It is unrealistic to shake the gold and silver standard, but it is still possible to join this system.

……

On Xueyue Lake, Hudson was boating on the lake with a group of business leaders.

Except for the chatting and laughing just after boarding the ship, the scene after that seemed a bit serious.Everyone is here for the "big business" that Hudson said, but there is no time to chat here.

"Tom, distribute the information to all the guests!"

Hudson pretended to be casual and said.

If he had a choice, he really didn't want to find someone to raise money.But there is no way, the Near East Development Bank needs too much capital.

In the early stage, Hudson can also inject himself. If it develops to the later stage, that hole cannot be filled by him.

All financing strategies are the same, a beautiful report, and an enticing story attached.

As for the leakage of the business model and the emergence of competitors, Hudson didn't care at all.

They all came out to fiddle with financing, so naturally they picked the good ones, who foolishly noted the risks!
If you take it for granted and follow suit and replicate this business model in other parts of the mainland, there is a high probability that you will be able to make money in the early stage, but the question of how to die in the later stage.

In the face of interests, few people can control their greed.A bank without any legal constraints, after the end of the barbaric financial enclosure era, if nothing happens, Hudson can write his name backwards.

Time passed by every minute and every second, and everyone was watching seriously.The more you turned back, the more shocked the expressions on everyone's faces became.

"Marshal Hudson, the Near East Development Bank makes so much money, so you don't need to drag us in?"

Wolfdeck asked suspiciously.

There is never a reason to give away money easily.

Judging from the book data alone, in the past five months, the book profit of the Near East Development Bank was as high as 14 gold coins, and it is still growing crazily.

According to the current growth rate, the total profit will exceed 35 gold coins until the end of the year.

The profit forecast for next year has reached an astonishing 80 gold coins to 200 million gold coins.The large span of numbers is like a joke.

"Mr. Wolfdeck, the Near East Development Bank is indeed very profitable, but the Kingdom is suffering from a money shortage!

Under normal circumstances, we only need to absorb deposits and lend money to earn huge profits. Unfortunately, depositors have no money now.

However, the difficulties are temporary, and the shortage of money is not a big news for the kingdom.

After almost every war, there will be money shortages of varying degrees, but this time the scope is wider.

As long as we get through the difficult period of these few years, there will be a smooth road ahead.

Originally, I also wanted to shrink the pace and slow down the development of the bank.It's just that time waits for no one. If you can't seize the market quickly, competitors will appear.

There are quite a few people staring at the Near East Development Bank, including you, I am afraid.If it hadn't been for the failure to figure out the profit model, I'm afraid someone would have followed suit.

Money cannot be earned by one person. Instead of diluting the profits in the competition, it is better for us to join hands and share the huge profits together! "

Hudson tried his best to fool him.

Huge profits or not, that is the future.The problem now is that the Near East Development Bank is about to run out of money to lend.

Either increase the leverage ratio, or shrink the scale of lending, but this is not what Hudson wants.

(End of this chapter)