Chapter 384
Talking about oneself's most professional business, fatty garlic nose is red and bright, like a light bulb.
He said sincerely: "Queen Your Majesty, to tell you the truth, we at Iron Bank rely on lending and have at least a 10%-30% profit rate a year.
That is to say, for 100Golden Dragon business, we can get about 20Golden Dragon profit.
If you don't believe me, you can go to other banks in Free Cities to ask.
They don't have Iron The bank is stable, about -45%-64%.
Well, we only make money and not lose, they make and lose."
"That is, if I Want you to be a food broker and give you at least 10% of the profit?" Dany said.
"This, it should be more than 20%..." Fatty rubbed his hands and seemed to be very sorry: "The average profit is about 20%. If Smith is to change his business to sell flour, the flour industry will At least the profit cannot be lower than when Smith, you say, is that right?”
“The annual interest rate of Iron Bank’s loan to Iron Throne is only 6%, how much lower than 20%?” Gerold Dayne coldly said.
Keyholders put on a bitter smile on his fat face and said, "Ser Dayne, you need to consider risks when doing business. A business that is sure to make a profit without losing money, as it should be by rights, has a low profit; a business with high risk , the profit must be high, otherwise it will go bankrupt.
For example, lending to a maritime merchant is very risky.
A little accident, the ship is destroyed, and the maritime merchant jumps into the sea After committing suicide, our loan sank into the sea.
The interest rate is as high as 80%-500%, and even so, few banks dare to lend money casually.”
“What do you do? Do you think that buying food for the Queen is more risky than lending to Iron Throne? Queen has all the cash in Iron Bank, and can renege on a debt? And Iron Throne... I hope you can get rid of the bad debt before the next Summer Smooth it out." Gerold's purple eyes were full of mockery.
"Iron Bank will have its due!" First said an oath, fatty smiled and explained: "Iron Throne is Andals, Rhoynar and First Men King, with the entire Westeros as collateral, Loan from Iron Bank.
As long as Seven Kingdoms and King, and as long as Westeros exist, we will be able to recover the principal and interest.
But Dragon Queen wants us to be the middleman , the middleman is also a businessman, and the businessman will lose money.
For example, Dragon Queen spent millions of buying grains and stored them for five years. Isn't the loss on the middlemen?"
Dany hearing this, his face changed, sighed then said: "I originally just wanted you to help me work."
You guys jumped into the pit by yourself, who's to blame?
"Oh? Let's talk about it." Fatty raised an eyebrow.
“Iron Bank accepts my employment and becomes my grain purchasing manager. You charge labor fees and don’t take any risks. There shouldn’t be a 20% commission, right?” Dany said in frustration.
fatty Bessaro nods with a smile and says, "Yes, if it's the cooperation model you said, Dingtian will get 15% of the profit."
Then his expression turned It became very solemn: "Your Majesty, you also said that you can buy unlimited food, that is a big business of tens of millions of Golden Dragons, spread all over the Essos continent, how much manpower and material resources should Iron Bank pay?
Just Like the example given before, it must have a higher profit than Smith's to change Smith's business.
For your food purchase plan, the entire Iron Bank force must be dispatched, which will seriously delay our original plan. business, almost equivalent to changing from a banker to a grain merchant."
"That is to say, if you are not managers, if you want to be a big grain merchant, you will also sign a contract with me as a seller?" Dany confirmed again.
"Yes, you only need to deposit gold into Iron Bank in advance, pay a 30% deposit, and we will give you the equivalent grain in five years.
As for us You don't care how you buy your grain, at what price, or how you store it.
For five times the price, we can even ship it to Dragonstone for you," Bessaro said.
Dragon Queen reluctantly nodded and said, "One last question, how much food will I receive in five years?"
"It depends on how much gold you have. ' Bessaro said.
"So confident?" Dragon Queen raised his voice.
“The current grain price is about 200,000 Golden Dragon and 10,000 tons. The land in the Rhoyne River Basin is fertile, and it is two crops a year... Considering the coming winter, it is considered one crop a year. 200 catties of grain is needed for one mu of ripe land, and 10,000 tons of land is about 100,000 mu.
Only the Andalos Plain of Upper Rhoyne can plan 1 billion mu of farmland and pastures.
If from now on, 1 billion acres of land are all sown with winter wheat, and 100 million tons of wheat can be harvested in a year, you have to buy 2 billion Golden Dragon. Slaver's Bay has 2 billion Golden Dragon?" Bessaro Smile confidently.
Andalos is the hometown of Andals, close to the Braavos Strait to the west, Upper Rhoyne to the east, and mountains to the south.
Although there are many hills and terrains, but because of the mountains and rivers, there are many plains suitable for farming, and it is definitely the foundation of the king of God.
It's a pity that the clash of civilizations on the Essos continent is too fierce, and Andals, who is arrogant in Westeros, can't keep his ancestral property.
Today, the Andals of Essos are almost exterminated, and the Andalos have fallen under the control of the Braavos.
Andalos supplied almost all of Braavos' grain, meat, milk and production supplies.
Well, the water city Braavos has a large sphere of influence and is not short of food.
But fatty is still bragging.
Not to mention one billion mu of farmland, the vast Andalos can have 2 billion mu of arable land, but arable land is not equal to arable land.
At least, the farmland needs farmers to take care of it!
Even the Great Heavenly Dynasty does not have 2 billion mu of arable land!
Dany's Slaver's Bay is ten times richer than Andalos, with two large rivers plus the Yunkai Plain, hundreds of thousands of square kilometers.
Limited by the population, there is not even 20 million mu of farmland that is effectively used today.
There is no doubt that the population of Braavos is not as good as that of Slaver's Bay, and it is more impossible to grow 1 billion acres of wheat.
But Dany doesn't care if fatty is bragging, as long as he can grow the food she needs.
"I have 50 million Golden Dragon's gold, 8 million Golden Dragon's silver, and probably more than 10 million Golden Dragon's jewelry."
Dany reported a shock The numbers of people's hearts, Gerold Dayne and First Sword looked shocked, but Sealord and Bessaro looked flat.
Indeed, as long as people who have been to Iron Bank's gold cave, will not be shocked by the tens of millions of "little money".
"This... we don't accept silver." Bessaro hesitated.
Don't think that silver is worth 8 million Golden Dragons, but its volume is more than fifty times the size of 50 million Golden Dragons.
Iron Bank seems to lose money after transporting thousands, tens of thousands of kilometers? !
"I'll take it if I don't, and I'll have to save some money to set up a bank in Slaver's Bay," Dany said casually.
"This..." Bessaro's eyes shined, and he asked with a kind smile, "I wonder if Iron Bank can become a shareholder?"
"No, I want to build a national bank. , foreign capital is not allowed, but you can go to Slaver's Bay to open an Iron Bank branch," Dany said.
"Very good!" Bessaro was even more happy.
Although the Ghis people are degenerate, they have done two things very well: first, the economy is completely independent, and the entire Slaver's Bay does not even have foreign banks;
Second, their own Temple of the Graces has become a brothel, messed up in terms of belief, but resolutely resists foreign religious forces, almost the only country in the world without Red Temple.
Well, even the seaport city of Westeros has a Red Temple.
"Finally, I need a fleet, or rent, or buy, at the same time equip a group of sailors, immediately set off, go to Wall, go to Eastwatch, and take the Wildlings waiting there to Narrow Sea for the winter. " Dany said.
"Wildlings...you want to use the power of beyond the wall Wildlings to attack the Narrow Sea city-state?" Sealord exclaimed in surprise, and immediately shook his head: "Braavos cannot do this business with you. "
"Braavos joined the Allies too?" Dany said indifferently.
“Braavos opposes the slave system, so how could he join the Allies? But we don’t want to see the political situation of the Narrow Sea city-state changed, which conflicts with Braavos’ interests.” Sealord said firmly.
“I just want to find a piece of borderland in the Disputed Lands for the Wildlings to get through this winter.” Dany sighed.
“hehe, do you believe this kind of words?” Sealord said with a sneer.
Dany turned his attention to the fat Keyholders who were sitting and listening with a smile, "Not only does Braavos have a boat, but you can't stop me. It's better that you make money, I'll save some time and energy, everyone is in peace. How are you?"
fatty's eyes flashed brightly, and he asked, "You must bring Wildlings to Disputed Lands?"
"I have signed a three-way lease agreement with Wildlings. ", a sacred covenant, which cannot be violated." Dany's smile was gentle and his tone firm.
fatty glanced at the gloomy Sealord and wondered, "This matter is very important, we must discuss it.
There are also specific regulations for the 'grain comprador', which must be well Let's discuss it. Why don't Your Majesty go to Sealord's Palace and stay for a few days, let's discuss it in detail?"
Dany shook his head and said, "I'm leaving tonight, whether to sell the boat or not, in a word. As for the grain purchaser Ser Gerold Dayne is solely responsible for the terms, and White Cloak is qualified to sign the contract on behalf of the Queen."
Bessaro approached Sealord and whispered in a voice that the Dragon Queen could hear, "I'll ask Archmaester. With the guards? They were by Moon Pool, "
Sealord face changed, surprised and angry: "When did it happen? I don't know how."
Bessaro watched Dany, said to Sealord: "They are very concerned about the arrival of the Dragon Queen, and they will follow your fleet in a purple boat. It is a temporary decision."
"Sealord" is the ruler of Braavos, with As big a right as King.
There are no titles such as Duke and Earl under the Sealord, and the city's managers are guarded by the learned Archmaester and Iron Bank.
Braavos' "Archmaester" is as knowledgeable as the Citadel Archmaester.
But the position is completely different, the Archmaester of Braavos has greater authority and more direct management.
In other words, the Archmaester of Citadel is equal to the Archmaester of a modern university, while the Archmaester of Braavos is equal to "Jinshi".
Well, similar to the ancient Chinese scholar-officials, they built the Braavos civil service system.
Of course, it is also different from the scholar-officials. The "Archmaester" here is similar to the title and can be inherited to future generations.
Well, the equivalent to the father who passed the "Jinshi" examination can only be his son to inherit his "Jinshi" position.
Of course, in order to inherit the position of the family's Archmaester, one's knowledge and talent must be qualified, and idiots and idiots are not qualified to become Archmaesters.
The "Guardian", Iron Bank's manager, consists of shareholders, financiers, Keyholders, and lenders.
Strictly speaking, fatty Bessaro is also a "guardian".
The Wardens and Archmaesters constitute the true ruling class of Braavos, and even the Sealords are elected from among their citizens.
The election process is mysterious and complicated. It seems to refer to Moonsinger's prophecy and the "divine decree" of Many-Faced God.