Lyubov bowed slightly, and realized something. Pen ~ fun ~ pavilion www.biquge.info

"I understand the benefits of L/C to both buyers and sellers, but this payment model actually allows the bank to guarantee the transaction and bear joint risks, so in order to avoid risks, the bank needs the issuer to pay the full amount of the purchase as a deposit, right?"

Roland nodded first, and then shook his head: "Theoretically, yes, but in reality, if the other party has business dealings with your bank, it is okay to know the bottom line and only pay part of the deposit, this problem can be handled flexibly, in the final analysis, it depends on how you evaluate the other party's credit rating." ”

After taking a sip of wine to moisten his throat, he continued: "Let's make an analogy, assuming that I have no business dealings with the Yangbo family bank before, can you open a letter of credit for me?" ”

"As long as the deposit is paid, of course there is no problem."

"But I don't have enough cash on hand."

"Is there a deposit?"

"I have a deposit, but I have already taken out a loan shark, and the interest rate on the loan is much higher than that of the deposit bank, and I will suffer a loss if I collect the loan in advance, which is unacceptable, is there any other way?"

"Is there any end to you scoundrel?" Victoria couldn't bear it anymore and jumped up in anger, "You have money and would rather put a loan shark than pay a deposit, it's just morally corrupt!" It's a loss for you not to take advantage, right? ”

Roland slapped her head, forcibly pressed her back to the seat, and said lightly: "You don't understand, don't intervene." ”

Victoria was so angry that her teeth itched, and she couldn't fight Roland in front of her sister, so she had to cast a look of help to Lyubov, expecting her sister to open her mouth and scold Roland for her anger and vent her evil anger for herself.

Lyubov did not make a moral critique of Roland's almost scoundrel demand, as she had hoped, and Willow frowned slightly and fell into deep thought.

She can't be blamed for being indifferent, after all, she is engaged in a much more complex industry than her sister, full of intrigue and deceit. The big customers of financial institutions, including the bankers themselves, dare not say all, at least half of them are treacherous and insatiable villains, and it is not an exaggeration to say that they are "moral vacuum". Roland's repeated requests that seem to be inconsistencies are actually imitations of difficult customers that may be encountered in the future, is it because the other party is difficult to do business? Viktoria can be willful, but Lyubov can't be spontaneous.

After a moment's silence, she looked up at Roland: "Do you have jewelry, bonds, or real estate such as shops and land?" ”

"Absolutely." This time Roland finally replied in the affirmative.

Liu Bofu showed a relieved smile: "Then it's no problem, with these assets as collateral, you can still open a letter of credit." ”

Roland smiled too, "Remember what I said to you yesterday in the bill hall of the Bend trade fair?" If there is a letter of credit, and the trade activities are guaranteed by the bank, even two people who do not know each other can carry out large transactions without worry, regardless of whether the other party is from such and such a family, who is his father and who is his father-in-law. ”

After pondering Roland's words, Liu Bofu felt more and more that the financial tool of "letter of credit" was infinitely useful, and he sighed with mixed feelings: "Why didn't I think of such a simple method...... Roland, do you know what I want to do now? If you're not a friend of Beowulf and Natasha, a voter of the goddess of fate, or the son of General Rudolph, I'd love to knock you unconscious, and then hire a high-ranking bard to perform a 'memory tampering', erase your memory, and register the patent before you regain consciousness." ”

Victoria was shocked: "Lyuba, you can't be serious, right?" ”

Liu Bofu sneered, touched her head and said softly: "Silly child, of course my sister is joking. ”

A woman's heart is like a "needle under the sea", not to mention a strong woman who has been fighting in the business sea all year round. Roland secretly wiped a cold sweat, glad that he had taken precautions and made a backup at Nikita in advance.

"Roland, I admire your ingenuity, but I also have to tell you frankly that although you have applied for a patent for a financial instrument such as a letter of credit, it is difficult to protect your patent rights and interests, so you have to be mentally prepared."

Lyubov's words resonated in Roland's heart. In fact, there is no need for Liu Bofu to remind him, he has long realized that it is very difficult to protect the rights of patents such as letters of credit, so on the way to the patent office yesterday, Liu Bofu accompanied him to the patent office, and he has been preoccupied.

"Letter of credit" is a kind of "rules and methods of intellectual activity", and it is difficult to apply for a patent for such inventions whether they are in Baiou Harbor or on the earth before the crossing, mainly because the fields involved are too broad, too easy to imitate, but too difficult to restrict.

To put it bluntly, if someone changes the face of "copycating" the method you invented for profit, you can hardly hold them accountable in a social environment that lacks a sound legal system, so most of the innovative inventions of the rules and methods of modern intellectual activities are closely tied to the IT industry.

If you invent a financial product, you can explain the gameplay in a few words, and it doesn't take someone a minute to copycat a similar product, but its rules are written into a computer program, packaged into software and encrypted, and sold as a product, and it is more troublesome to crack.

Roland now does not have the conditions to engage in software encryption, can only uphold the mentality of "there are dates and no dates to fight two poles", if the financial institutions including the Yangbo Chamber of Commerce are willing to agree with the rules of the game and obediently pay him patent fees, it is of course the best, but if he secretly makes trouble and uses his patents but does not give patent fees, he really doesn't have the energy to fight lawsuits with others, nothing more than to grab a first-mover advantage and become famous by the way.

There is a way to be "the shadow of a person's famous tree", and walking the rivers and lakes is based on the word "reputation". Roland came to Baigull Harbor mainly to seek wealth, but who would be happy to do business with a little-known hairy boy like him? Even Lyubov Yanbo's appreciation of him is limited, otherwise the negotiations on the loan for the reconstruction of Kitland City would not have been so difficult.

Now he throws the bombshell of "letter of credit", to put it mildly, to show his ingenuity, even if the letter of credit patent cannot be implemented in the end, and cannot earn him real money, at least in the merchant circles of Baigull Harbor and even the Bend League, when people mention the letter of credit in the future, they will know that the inventor is Roland Koras, and recognize his foresight in the trade industry.

People are always willing to work with visionary people, it doesn't matter if they lack intelligence, investing in smart people and hitching on each other's rides is also an effective way to make money, which is the logical basis of the entire venture capital industry.

Roland proved his mind by proposing the concept of a letter of credit, and Lyubov immediately looked at him with a little more respect, and this was the end of the story.

Lyubov quietly observed the changes in Roland's expression, and caught a trace of fleeting helplessness from the man's handsome face, and his heart was scored, and the smile on the corner of his lips became stronger.

Seeing that the red wine in the bottle was empty, Lyubov opened another bottle of champagne and blew open the foam to fill a glass for Roland.

"I have an idea that is good for you and me, do you want to hear it?"

"Tell me, what do you have in mind?" Roland took the crystal cup full of golden elixir from her hand, and the kind and sweet smile of the other party reminded him of "Grandma Wolf".

"Me and you are as compatible as day and night, sea and earth, breeze and rain, right?"

"So?"

"So, let's go together." (To be continued.) )