Section 67 Visits (II)

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It's not that the merchants haven't dealt with magicians, but most of them are with some low-level magicians who are willing to serve the merchants, and it is basically impossible for the merchant's gold coins to impress the high-level mages, because the purchasing power of gold coins is different in the eyes of the world and the magicians.

As for the future teleportation, even if the merchants only plan to use the Demon Sealing Box to carry people to teleport, they still need to cooperate with the Wizards' Guild for a long time.

After all, teleportation is not a one-shot deal, from setting up a teleportation magic array, to using it, and the usual long-term maintenance, this is not something that can be completed by relying on one or two middle and low-level mages, it requires at least a team led by a high-level mage.

Of course, there is not only a wizard's guild in this world, but for the merchants, the wizards' guild is the best option that Kindleberg and Derek can think of right now.

Because other teams with similar abilities, either serving a wealthy family, or belonging to some underground or semi-underground organization, they are not as credible as the Mage's Guild, and people are more worried about conflicts of interest or taking advantage of the opportunity to embezzle the interests of merchants

So when Solomon offered to help in sparking a long-term collaboration between the merchants and the wizards' guild, the atmosphere in the room changed before he knew it.

The merchants' eyes and tone of voice changed a little, at first with some vigilance and questioning, but now they seemed very harmonious, their demeanor relaxed, and their tone was much more casual.

Solomon took advantage of this time to skillfully link Regina's troubles with his own interests and the cooperation that the merchants were expecting.

"Mithril coinage?" The merchants frowned, because Mithril is the most commonly used material in the casting of alchemical items and the arrangement of magic arrays, it used to be almost a semi-military material, although because of magic research, it is impossible for countries to openly prohibit buying and selling, but the source is limited, and it is not something that can be bought casually.

"Yes, what can you offer to trade with the Mage's Guild for this collaboration. You don't have any magic points for the Wizards' Guild's internal currency, and the materials needed for magic research should be easy compared to Mithril, and the other materials are more difficult for you. "Above all, you must be aware of the long-term nature of this cooperation, so that the trade you can provide requires a long-term measurable value scale, and I do not doubt that you can use all your connections and connections to get some rare material that the magicians need to impress each other, but once or twice you can do it, and it will definitely be difficult to provide it in the long term." ”

"You're right. The Wizards' Guild needs to trade, we can use our connections and means to exchange some from the dark merchants, but as you said, it is difficult to guarantee long-term supply. However, even if you are talking about Mithril coinage, it seems that only your Free City is currently using this kind of coinage, even if we buy Mithril ore ourselves to mint coins and then trade with the Mage's Guild, it is difficult to guarantee that we can get a large source of Mithril in a short period of time. Derek said embarrassedly.

Solomon immediately offered the merchants two options, one was that the branch of the Franklin Bank in St. Quentin had fully carried out the business of the head office, so it could provide the merchants with a certain amount of Mithril minting loans, of course, provided that they were creditworthy and had collateral. This is Solomon to pull business for himself, for the other side of the exhibition to lay the groundwork, he reasonable and reasonable hope to deepen the cooperation with the exchange of business, St. Quentin branch is willing to help the business in the exchange of funds, access and turnover of the same as the head office in the free city for the businessmen to provide comprehensive and professional services.

At this time, the St. Quentin branch is actually far from being able to undertake the comprehensive and professional services that Solomon said, but the Free City will continue to send people over later, and Solomon has a corresponding plan, so it is not a complete big talk.

But even though Solomon had earned the respect and friendship of the merchants in the house, most of them were hesitant about this choice.

"Is there any other choice?" came a voice at the door, more and more merchants were flocking to the room, so that the number of people had increased several times compared to the beginning, and Derek's office was very small, and later merchants could only stand at the door and ask.

"Of course, there is a second option. Solomon replied calmly, and then he proposed another plan.

He told the merchants about Regina's troubles, and then packaged the solution he had proposed in front of Regina and proposed it to the merchants.

Of course, the source of Mithril ore in Asturias is not only the Free City, some wealthy families and organizations must have a certain inventory for the use of magicians in their own families or organizations, but as long as there is no ore source, it is unlikely to be provided to outsiders in large quantities, which is why the merchants were worried that they would not be able to buy coins for a long time and then trade with the Wizards' Guild.

With the exception of Free City, the royal family must have the most Mithril, but under normal circumstances, it could not be provided to merchants, but was kept in the treasury.

The merchants immediately expressed interest in the second option given by Solomon, and Derek said to Solomon a little embarrassed: "It's not that I don't want to cooperate with the banks of the Free City, but the first option is pure lending, and the second option is more like a fair deal, which is more in our interests, I hope you don't be surprised." ”

"Of course not. Solomon smiled and said, "I believe that this is just the beginning between us, and there will be plenty of opportunities to work together in the future." ”

He was not surprised that between the two options, the merchants would prefer the second option.

As Derek points out, the first option was pure borrowing, and at Solomon's request, the St. Quentin branch provided a loan on behalf of the head office to borrow enough Mithril coinage, which required collateral and paid interest to the St. Quentin branch.

The resistance of the businessmen to the first option lies in the fact that they are very sensitive to becoming pure lenders, because they are well aware of the horrors of usury.

Although there is a clear difference between the bank represented by Solomon and the usurer, the interest rate of the bank is open and relatively stable, unlike the usurer, who will borrow at an interest rate in the morning and a borrowing interest rate in the afternoon, and also withhold a part of the principal payable as interest for the month before lending.

For example, if you borrow 100 gold coins and agree that the monthly interest rate is 10%, it means that you only have 90 gold coins when you actually get it, because 10 of them have already been deducted in advance by the loan shark as interest for the month.

The interest accrued on each day from the repayment date to the repayment date will become the next day's money (the principal will continue to earn interest)

Merchants themselves will also play rentier roles in the process of trade, although they are not as proficient as professional usurers, but they are no strangers to lending, so Derek and they are very aware of how passive they will be if they are a pure borrower, once there are twists and turns in the plane trade, the risk for them is too great.

In the end, they were working with Solomon for the first time, and in the initial cooperation, whether out of caution or out of profit maximization, of course, they would try not to favor direct lending.

In the second option, the merchants first appeared as money lenders, as long as they were willing to bear the debt that had matured for the royal family, and with the 1.5 million silver coins, they could instead collect interest from the royal family on the bonds.

The risk of the second option was to ensure that the principal and interest paid on behalf of the royal family would be paid, and according to Solomon's plan, the other half of the royal family's Mithril mine in the Free City would be used as collateral.

And in connection with this second option and working with the Mage's Guild, Solomon promised to offer merchants a portion of the bonds in cash, also using Mithril coinage.

In other words, if the merchant is willing to post some of the bonds, they can mention the Mithril coinage needed to work with the Mage's Guild.

Cash is a new term for merchants, but after explanation, it is very easy to understand, that is, the merchant will transfer part or all of the outstanding bonds to the bank in advance, and get the Mithril coinage from the bank, but the bank will deduct the interest agreed on from the date of the bond to the maturity date of the bond.

This novel way makes businessmen feel that the second option is more beneficial to them, mainly because the first option is to directly generate compound interest, which makes businessmen have a shadow psychologically.

It is not surprising that this shadow is not at all surprising that Solomon's adaptation of the merchant of the Free City is caused by loan sharks borrowing money.

And the interest in the second way sounds like simple interest, and it is only calculated once at the time of the post, which is psychologically preemptive.

Of course, this is just a small trick, just simple interest on the surface, but because the maturity amount used in the calculation of the post is obtained after compound interest, it will be deducted.

The second option also gives merchants a great deal of freedom as to whether they can choose to post all of the bonds, or some of them.

The second option was mutually beneficial for all parties involved, the royal family and Regina desperately needed someone to come forward to extend the debt, otherwise it would turn into a royal scandal, and the merchants could get their hands on Mithril coins and begin to prepare for transactions with the Sorcerers' Guild with less interest than borrowing directly from the St. Quentin branch, while Solomon could get cash interest and future interest on bonds by buying bonds.

He could even take advantage of this bond operation to demand that the royal family withdraw the half of the legions that were still stationed near Liberty City.

Of course, this pressure will be carried out in the name of the merchants, and the borrower will demand that the bank be able to independently preserve the future interests of the borrower, and it is normal to be uneasy when the garrison is still in control of the Mithril mine.

"Mr. Solomon, if this matter is as good as you described, I am sure that more partners will be willing to cooperate with you for a long time. Kindleberg said to Solomon with satisfaction.

I don't know which merchant shouted to get wine and glasses from the office, although they couldn't have a glass in their hands, Kindleberg and Derek, as well as the merchants who asked earlier, raised their glasses and clinked glasses with Solomon in celebration.

So far, Solomon's trip has been basically successful, and the most important problems have been solved.

And won the friendship of these merchants of the commodity exchange, well, it is too early to say that friendship, and the friendship in the eyes of the merchants is hardly worth it, but at least it can be called an opportunity to look at each other and associate with each other.

When the bond was successful, the door of the St. Quentin branch was opened.

Rather than usury, merchants must have been willing to accept Solomon's "warm" service.

This is not to say that the bank represented by Solomon was really noble, and that he was also a member of the rentiers, and that in this world, the bank was born as a new thing, and Solomon was far less restricted.

But compared to the usurers, Solomon had at least a little conscience.

Merchants choose the second option, and the bank does not maximize its profits in the short term.

But in the long run, both the bank and Solomon got what they wanted most.

For the bank, if there is a little less monetary gain, but if it can take the opportunity to get rid of the king ** group that is still entrenched in the free city, it must be a wonderful thing.

Moreover, the branch of St. Quentin smoothly opened the door of the merchants of the commodity exchange, knowing that these merchants were engaged in the purchase and sale of large quantities of goods, and borrowing was disgusting to them, but it was essential.

As long as a close connection is established with them, the St. Quentin branch will not have to worry at all in the future, and it will be easy to gain a foothold.

For Solomon personally, he was a man of worship by all sides, and that alone is worth it.

As for some of the implicit things, it is even more difficult to explain, such as the appearance of bonds, and the discount rate, with this experience, it will be much easier for businessmen to accept similar things in the future.

"Quiet, quiet. Derek shouted.

The second floor of the exchange had become a sea of joy, and the merchants who had poured in behind had lined up in the corridor outside the door, and there were at least a hundred merchants.

This had already caught the attention of the merchants in the trading hall downstairs, but they could only look at the second floor with envy.

At this time, the merchants who could come to the second floor to listen to Solomon's conversation with Kindleberg, Derek and others could only be full members, and the more businessmen downstairs were only temporary members and had not yet been accepted as full members.

But that didn't stop them from feeling the atmosphere on the second floor, and understanding that this was another opportunity for the full members to get some serious benefits, which made the temporary members think even more that it was smart for them to abandon the rule of the merchants' guild and turn to the exchange.

As long as you do your best to become a full member, you can also become a member of today's cheers.

Kindleberg accompanied Solomon to finish his drink, and his old face flushed a little.

He also desperately needed a booster, and for them, the one that Solomon brought today would eventually lead to two major events, Edward's Majesty would promise to open the plane trade to merchants, and seek long-term cooperation with the Wizards' Guild.

It's all exciting, the latter, the magicians have always been on the high of the world, and now they are also in the service of merchants for money, which is a psychological pleasure alone.

As for the effect of working with magicians, to be honest, including Kindle Bergderrick, they were still very underestimated, and only Solomon smiled in his heart and firmly believed it.

Capital and technology, no, the combination of capital and magic, will give birth to the Angel Fruit or the Demon Flower?

The establishment of the commodity exchange in the city of Saint-Quentin is different from the Liberty City in terms of background and meaning, and the establishment of the commodity exchange in the Liberty City can be said to be very easy, because there was little possibility of opposition in the Liberty City at that time.

At that time, the city of freedom did not yet have a mythril mine, and it was only a special wilderness city because it could trade with orcs, and there was almost no foreign interference.

Franklin and the others have complete control over the Free City, and the decisions they make are not enough to resist on the contrary.

The exchange in St. Quentin was different, and Solomon was not clear enough about it, because after all, he had been here for too short.

But Kindleberger is well aware that this is a sign of a battle between old and new businessmen.

Merchants and guilds in other trades, such as crafts, were less willing to accept harsh hierarchical governance.

They were born with a penchant for freedom and adventure, and the old merchant guilds had ossified into a mercantile hierarchy that wanted to solidify profits, that is, they were about to abandon the free competition that merchants most embraced, and always kept the most lucrative opportunities around the guilds, so Kindleberg and Derek and others would start anew.

This is not to say that there will be no level here in commodity exchanges, for example, there is also a difference between full membership and temporary membership.

But at least Kindleberg and the others still have to be superficially fair, not as harsh and greedy as the traditional guilds.

For example, the conversation with Solomon can be heard by most of the full members, and theoretically every full member has the opportunity to participate, but the participation is based on strength or led by Kindleberg and others.

But compared to the shady scenes that the merchant guilds have always surrounded around the guilds, this is indeed a lot of progress.

This is exactly the freedom and equality of opportunity that the merchants advocate, and the merchants recognize the difference in rank, but they are conflicted in their hearts.

They cursed the use of blood to distinguish between the noble and the low, but at the same time they hoped that they would not refuse the opportunity to exchange money for nobility.

They could not say the true desires of their hearts, but Solomon knew that merchants were most receptive to the distinction between the noble and the lowly, and who had the most money or who could bring the most benefits.

Then you are an angel and you are noble.

Solomon rubbed the bottom of his glass, and suddenly remembered something, so he wasted no time in bringing it up to Derrick and them.

"By the way, my Solomon Company has made a Shadow animation, which happens to be a story about merchants, and it will be released in St. Quentin soon, and I sincerely welcome you to visit Mr. Hayden's theater to watch it. ”

"Oh, yes, Solomon, Solomon, Co., it turns out that the new trading company that rose up in the Free City is yours. Solomon, you have surprised me so much. That's when Derek connected the two.

Other businessmen also talked about it, and some were amazed that Solomon was the businessman who created the Shadow Animation, which made people look forward to and have more confidence in the creation of the cooperation with the magician.

There are also people who pay attention to the film itself, guess the lead actor, and ask Solomon.

Solomon replied calmly with his wine glass in his hand, and the news that the actress Catherine would also arrive spread on the commodity exchange.

On this day, he was the biggest focus of the exchange, overshadowing all people and other news.