The influx of a large number of immigrants not only solved the dilemma of lack of labor in Xueyue Port, but also promoted the economic development of Xinyue Port.

The Hudson workers who ate and lived did not have much purchasing power, but they brought fireworks.

Every day, people come and go, and the streets prosper. False prosperity is also prosperity, at least the shops in the city are rented a lot.

Taking advantage of this opportunity, the Ministry of Commerce ended most of the money-losing transactions in its hands, and only kept a few lucrative industries to continue operating.

The Ministry of Commerce, including bulk materials such as grain and cloth, only provides wholesale, and the sales side of customers that need to be directly faced is lost to private businessmen.

With one increase and one decrease, the financial data of the territory looks much better. Although the deficit is still high, the income column is increasing.

Putting down the official document in his hand, Hudson asked with concern: "How about inviting the big chamber of commerce to move in?" ”

In a closed world like the Aslant continent, the small and medium-sized businessmen below alone cannot drive economic development, and large chambers of commerce with monopoly resources are needed to join.

As a nobleman, Hudson was able to engage in many industries, but he could not intervene in many industries.

For example: tea, spices, Warcraft meat, high-end weapon manufacturing, financial exchange, magic industry......

Anyone who is monopolized by others has a high threshold for resources and technology is not easy to intervene in. Instead of blindly throwing money at tuition, it is better to directly find someone to cooperate.

It just so happens that Hudson has connections in this area, and the mainstream chambers of commerce on the mainland have basically dealt with him, and everyone has the basis for cooperation.

"Duke, the matter of cooperation has been almost discussed, and most of the chambers of commerce are willing to establish a branch in the Snow Moon Territory.

The only issue of financial cooperation has run into trouble. Representatives of the Chamber were skeptical about the security of the territories of the nobility of the Near East, fearing that if loans were granted to them, large bad debts would arise in the future. ”

Rudolph's explanation made Hudson frown.

The development of the Near East requires a large investment of manpower, material and financial resources, and the first two can still be found, but financial resources are the most headache for the small and medium-sized aristocracy.

Relying on their own efforts to accumulate slowly, I am afraid that they may not be able to develop the territory in fifty years. At such times, financial financing is very necessary.

The banking industry in Aslant is underdeveloped, and the lucrative financial loan business has been done by the major chambers of commerce.

In general, noble lords are the best customers. With territorial income as collateral, there is basically no risk of default.

Unfortunately, these customers are basically not short of funds. Even if they are short of money, everyone will find a way to raise money from the circle, and few borrow from the Chamber of Commerce.

"If financial cooperation can't be discussed, then put things on hold for now. It is human nature to seek advantages and avoid disadvantages.

The situation in the Near East is not yet clear, and it is understandable that these people are unwilling to make heavy bets! ”

As he spoke, Hudson sighed to himself.

Capital is still in its infancy in the continent of Aslante, and under the control of the big nobles behind the scenes, these guys are disgusted with all uncontrollable risks.

Expecting them to risk losing their money and come up with large sums of money to support the development of the Near East is not a high success rate.

chose to contact these guys, and Hudson was also forced to do so. The Alpha Kingdom is too poor, not only the government, but also the nobles in the country.

The war has swallowed up too much wealth, and even the great nobles of the kingdom do not have much surplus food in their hands.

Hudson's reference template is the royal family. After acquiring a large tract of land, the usual option is to concentrate on full-scale development.

However, the royal family's development of the new territories lagged far behind Hudson's estimates.

You must know that in order to develop new territories, Caesar IV spent most of his time patrolling around the country, and countless royal children are fighting on the front line of development, and the degree of attention can be imagined.

With a sufficient pool of talent, a kingdom in hand, and the ability to pull down the development schedule, there is no better explanation than a lack of financial resources.

The royal family, which has the deepest background, has encountered economic difficulties, and the situation of the other nobles in the kingdom can be imagined.

Even if you have some savings in the past, how rich can a country that has been poor in military force all year round be?

It's good to be able to take care of your new territory, how can you have the spare money to lend a large amount of money to the small and medium-sized nobles in the Near East!

If the funding problem could be solved internally, Hudson would have proposed to the kingdom a long time ago, so why bring in these uncontrollable chambers of commerce?

Now that the attempt has failed, Hudson doesn't need to dwell on it. If the chicken-and-egg plan fails, and there is no hope for rapid development of the Near East, then the strategy can only be changed.

It is impossible to build a bank on its own to solve the financial problems in the development process for the nobility of the Near East.

The core problem is still - lack of money!

Hudson didn't know who to turn to. In addition to some slightly wealthy nobles, there are only a few wealthy merchants in the kingdom who can be regarded as customers.

Serfs, ordinary commoners, craftsmen, and even some small businessmen were not qualified to be customers.

It's not that Hudson is discriminatory, it's actually that under the current technology, the cost of playing finance is also ridiculously high.

A small magic crystal card costs dozens of gold coins. If the demand is innumerable, it may be possible to reduce the production cost a little.

In the era of pure handicraft, only magicians can make products, no matter how to reduce the cost, the price cannot be low.

How many businesses do you need to do to acquire users at such a high cost to be able to return to your capital?

If you don't use the magic crystal card and use a more primitive method of accounting, anti-counterfeiting will be the most difficult problem.

If you want to emulate the bond to use magic anti-counterfeiting technology, all tellers must be replaced by magicians, so how many magicians will be enough?

Even if you spend money at any cost and solve the cost problem of acquiring customers, it does not mean that there will be customers at the door.

No matter how good Hudson's creditworthiness is, banks are new, and it will be difficult to absorb enough deposits unless they are attracted by high interest rates.

In contrast, the opposite is true for loans. A large number of aristocrats are waiting for the rice to be put into the pot, and as soon as the news is released, a large number of customers will immediately pour in, or the bank will be emptied in a few days.

"Duke, should we also put the development bank project you planned on hold first?"

Rudolph asked with a slight hesitation.

Hudson had been preparing for this project for a long time. The fiefdom of the Snow Moon Collar has been prepared since it was determined.

The training of employees began two months ago, and even the location of the store has a specific plan.

"The development bank is open as normal, but the situation has changed and our plans have to be adjusted.

Originally, it was planned to cover all the nobles in the Near East and Northern Xinjiang, but now that we are the only ones investing, the scope must be narrowed down.

In the first round of loan disbursements, we only targeted the children of the clan's branches and close nobles.

The loan amount must also be limited, and the value of the collateral and the safety of the funds must be comprehensively evaluated.

The higher the risk, the lower the collateral discount and the higher the interest rate on the loan.

However, considering that most of the customers in the early stage are their own families, the loan interest rate is tentatively set at 15%, and then fluctuates according to the actual situation.

The total amount of the first batch of loans is tentatively set at less than 1 million gold coins. Considering the difficulty of absorbing reserves, we will not set the goal of absorbing funds in a short period of time.

In the early stage, we will open outlets in Shandiling, Xueyueling and Wangdu, and the funds deposited in any store can be withdrawn in other branches without charging management fees.

Deposit more than 2,000 gold coins in cash and get a magic crystal card. If the deposit is less than this amount, the card application fee shall be borne by itself. ”

Hudson said without changing his face.

It is impossible to have interest on interest, and there is no management fee, it is because he has a conscience.

The operating costs of the newborn banks remain high, and it is not yet the time for high interest rates to absorb deposits.

Anyway, there are no competitors, and if there is a need for exchange, the Development Bank of the Near East is the first choice.

Of course, the main thing is that the credibility has not been established, and the nobles of the kingdom are too poor, and even if interest is given, they will not be able to absorb much money.

The real attraction of the Near East Development Bank is the ability to withdraw funds freely at all branches, which will save customers a lot of trouble.

After all, hitting the road with a lot of cash is also a risky chore. It can avoid the pain of transportation, which is undesirable for businessmen.

It's just a soft opening, and if it works out, Hudson doesn't mind rolling out outlets to major cities across the country.

If it can be transferred to the whole country, then the liquidity of the businessmen will most likely lie on the account of the Development Bank of the Near East, and then start the infinite circulation mode.

When the snowball rolls up big enough, the idle funds on the books are appropriately disbursed in the form of loans, and the wealth will naturally roll in.

As long as the credibility does not collapse, the speed of capital flow is efficient enough. It is possible to leverage the principal of one million gold coins and leverage tens of millions of funds.

However, if you want to do this, it is indispensable to cooperate with the local snakes and share this big cake together.

……

Hudson of the Arcane Academy of the Royal Capital was staring at Robert, who had broken through the Sanctuary.

If you can hide for a while, you can't hide for a lifetime.

The debt owed must be repaid after all!

Although their juniors have already made concessions in the smuggling trade, it does not affect Hudson to settle accounts with them.

The cards of the Sanctuary powerhouses are only valid in the outside world. When he meets Hudson, it is the same whether Robert breaks through or not.

"Marshal Hudson, don't go too far!

Because of this incident, we have all become dead people, what do you want? ”

Robert said with little confidence.

The "blasphemy" storm was not caused by him, but the fact that the news could spread so quickly also had something to do with their deliberate indulgence.

If measures are taken at the first time, the impact can be suppressed.

However, people are selfish, and so are the high-ranking people of the Arcane Academy.

As the group of people who are most likely to break through the Holy Domain, I don't know how many pairs of eyes are staring at it secretly, and it is not ordinarily difficult to avoid the eyes of the outside world to break through the Holy Domain.

The emergence of the "blasphemy" storm is undoubtedly a good opportunity to divert the attention of the spies. One by one, they were busy sending the news back, and even their sudden disappearance, everyone had a reasonable explanation.

The birth of every Sacred Domain powerhouse will quickly cause a sensation on the continent, and Robert is undoubtedly an exception.

If he hadn't seen it with his own eyes, Hudson wouldn't have known he had broken through.

It's hard to know that Caesar IV was kept in the dark, otherwise he wouldn't have mourned Robert so neatly.

After all, the greatest value of a Sanctuary powerhouse is deterrence, how can it be scary if it is not revealed?

It is indeed possible to hide the Yin people, but it is not suitable for the current Alpha Kingdom. Within the encirclement of foreign races, the kingdom needs to be strong, strong, and strong.

"Venerable Robert, that's an exaggeration.

As an old friend, I just came here to make it look like I was going to eat you.

What is not dead, how unlucky!

Could it be that after breaking through the Holy Domain, he changed to a new identity, and he didn't even recognize his old friends? ”

Hudson said with a smirk.

Today he came here to find faults, and at the same time to find someone to do something.

Although the production process of the magic crystal card is not monopolized, it can be made by the top forces in the mainland.

As the third-ranked kingdom, the Alpha Kingdom naturally studied in this area, and technology appeared decades ago.

Like other major powers, this technology has not been promoted, but has only been used by several large chambers of commerce in the kingdom.

With Hudson's status, it is not difficult to acquire technology after paying a certain price.

He doesn't have so many workers in his hands!

The few magicians in the territory, just making magic potions, live a life of 996, and if you increase the workload, something will happen.

Considering the demand for magic crystal cards, Hudson was in dire need of a group of cheap workers.

"Hudson, don't come to this set!

If you really want to visit a friend, you let ......"

Before he finished speaking, he was glared back by Maxim. Before he could come to his senses, Bear Stearns reached out his bear paw and patted him lightly on the shoulder.

Being tossed like this, Robert lost his temper in an instant. I originally wanted to ask these two out, but now I swallowed them back.

Being close to the Sanctuary Demonic Beast is much more dangerous than a knife on the neck.

"You two come back, haven't you seen the Sanctuary Magician, it's a shame to make such a fuss!"

Hudson reprimanded, feigned annoyance.

It's a pity that Robert didn't buy this performance. I didn't dare to shout with dragons and bears, because these two goods had no scruples, and they really dared to kill people when they were angry.

"Hudson, that's enough!

If you want anything, you just say it, don't sell it to me.

Anyway, everything has already happened, and the compensation has been given to you. Excessive demands, it is impossible for Lao Tzu to agree! ”

Seeing Robert's direct foul language, the anger in Hudson's heart almost dissipated.

"Robert, am I the kind of person who is cautious?

This time I came to visit an old friend, just to ask you to help me make a batch of magic crystal cards, plus identification instruments.

You only need to let the instructor of the academy control the key processes, and the students will take care of the rest.

I have all the raw materials ready, and as long as the success rate reaches 7 achievements, it will be regarded as a social practice class sponsored by me! ”

Hearing Hudson's words, Robert breathed a sigh of relief, and then sent a roll of the eyes.

It's just a batch of magic crystal cards, as for making such a big move?

The largest chamber of commerce in the kingdom can't issue a thousand magic crystal cards every year, and Robert is not worried about the size of Hudson's chamber of commerce.

Just after seeing the list of supplies, Robert suddenly stood up from his position, showed a stupid expression, and stared at Hudson.

"Marshal Hudson, the things on the list are enough to make 50,000 magic crystal cards.

If you have a lot of money and don't have a place to use it, you can donate it to the academy, there is no need to squander it so much! ”

Magic crystal cards are different from ordinary goods, all of them are customized products. Once it's made, you can only digest it yourself, whether you need so much or not.

"Robert, you just have to arrange for someone to make it. Even if it's smashed in your hands, I won't bother you.

You can rest assured, it's only 50,000 sheets, and when my business opens, 500,000 sheets will be able to be used! ”

Hudson said with a smile.

He knew better than anyone else the market potential of this thing.

Not to mention that everyone holds a card, even if every thousand people hold a magic crystal card, the kingdom can digest tens of thousands of magic crystal cards.

The actual proportion of card holders will only be higher, and once the Near East Development Bank becomes popular, if you don't have a magic crystal card in your hand, you will be embarrassed to say that you are a nobleman.

Coupled with the private merchants, the entire Northern Continent digested 500,000 magic crystal cards, which is really not bragging.

As for the promotion to the whole continent, Hudson did not have that much appetite.

The network is concentrated in the North Continent, and the bank is a place to fight for network resources, which is destined to limit the market to the North Continent.

"Impossible!"

"Your Excellency Marshal, there are only eight hundred students in the academy, and even if everyone makes a magic crystal card for you, it will take two months, which will greatly affect the progress of teaching.

If you really force it to be arranged, I'm afraid it will damage your reputation! ”

Robert decisively refused.

The social practice class is not practiced like this.

He wouldn't mind selling Hudson a face if he only delayed for a few days, but it would take too long.

The reasons are all ready-made.

The aristocracy's reputation was greater than heaven, and he did not believe that Hudson would take advantage of his reputation for an unreliable business plan.

"There aren't enough students in the Arcane Academy, isn't there a magic academy!

Pull the two academies together and organize a magic skills competition, and I sponsored the prizes.

One hundred bottles of magic potions to assist in cultivation, how to distribute them is up to you to make your own rules.

They are all high-end potions with no side effects, and according to the market price, they are enough to cover the labor cost of making magic crystal cards.

If anyone still scolds me, that's your problem! ”

Hudson said calmly.

High-end potions are essentially used to pit local tyrants, and the main thing is - expensive!

A bottle of 10,000 gold coins is equivalent to a low-level magician cultivating on his own for a year, and it is ineffective when he encounters a bottleneck.

It is also effective against high-level mages, but the higher the cultivation, the smaller the increase.

There is no way, the energy in the potion is constant.

Cost-effective is not cost-effective, but this does not affect everyone's yearning. After all, growth is real.

Ordinary noble children will definitely not be able to afford it, even if it is the children of great nobles, only a very small number of descendants have the opportunity to take it.

For those who are in their formative years, this will be the best opportunity for them to distance themselves from their peers.

The prize worth millions of gold coins made Robert, who wanted to oppose it, swallow back the words on his lips.

There is no way, there is too much to give.

If you concentrate these resources on a small number of people, you will soon be able to create a few geniuses.

The road of the strong has always been to be the first.

(End of chapter)