Kaya City top level of Nowland building 卡亚市・诺兰卡大厦顶层 „I have said that these things yourself can make the decision, I send to regard as important the strength of your unprecedented clerk you, should not be overcautious and indecisive, felt relieved bold does,” “我说过了,这些事情你自己可以做决定,我把你派过去就是看重你一往无前干事的劲头,不要瞻前顾后的,放心大胆的去干,” Burns the wave curly hair, put on the white shirt and hold/container Tunqun Lena as before rubbed own forehead, then she hand placed on the office door knob, while continued saying that 烫成波浪卷发,依旧穿着洁白衬衣和包臀裙的莉娜揉了揉自己的眉心,然后她一边手放在办公室门把手上,一边继续说道, „ That supermarket chain does not let, goes round them, first walks several areas of southern Wittring, the not possible all supermarkets and chain convenience stores were handled by triumphant Alone Group, sets one's mind at ease to do. “那个连锁超市不让进,就绕开他们,先把维特兰南边的几个区走完,不可能所有的超市和连锁便利店都被凯杰特集团搞定了,沉下心来去做。 „First handles these small supermarkets, then thinks the means to make a connection the online channel, before us reaches an agreement, does step by step, could not become us to come back to discuss again, this.” “先搞定那些小超市,然后想办法把线上的渠道打通,按照我们之前商量好的,一步步去做,成不了我们再回来讨论,就这样吧。” Then, she hung up the telephone directly, rubbed the forehead again, deeply inspired, twists the door knob, opened the office door, looked to the office, „Secretary Danillo, I just under spatial ship, late a point” 说完,她直接挂断了电话,再次揉了揉眉心,深吸一口气,拧动了门把手,推开了办公室门,看向办公室内,“丹尼洛秘书,我刚下空艇,晚了一点・・・・・・” Because of Vian reason, she is very good with the relations of Denny, however relations in private are relations in private, in the formal occasion, her name is very official. 因为维安原因,她和老丹尼的关系很好,但是私下的关系是私下的关系,在正式场合,她的称呼还是很正式的。 However, the words of her apology have not said, whole person in same place. 不过,她略带歉意的话语并没有说完,整个人就愣在了原地。 In this moment this board of directors secretary work, before board of directors secretary Denny is depending on the wall the coffeemaker, is turning away from her, seems mixing the coffee, but on nearby sofa, but also sits a tall and straight handsome young man. 此刻这个董事会秘书办公室内,董事会秘书丹尼正在靠墙的咖啡机前,背对着她,似乎正在调制咖啡,而在一旁的沙发上,还坐着一个挺拔英俊的年轻男人。 In the opposite party hand is carrying one cup of steaming hot coffee, is gaining ground, looked that to Lena who opening the door comes. 对方手里端着一杯热气腾腾的咖啡,正抬起头,看向推开门进来的莉娜。 On his firm and resolute cheeks brings back a temperate smile, „for a long time does not see.” 他坚毅的脸颊上勾起一丝温和的笑容,“好久不见。” Lena looks familiar, but also has some profiles, for a while somewhat absent-minded, why does not know, her heart gradually peaceful. 莉娜看着熟悉但又有些许的侧脸,一时有些失神,不知为何,她的心渐渐安静了下来。 Originally worriedness and helplessness of siltation in her heart, in this ‚for a long time does not see’, like by the fog that the spring breeze blows off, gradually dissipation. 原本淤积在她心中的烦闷和无奈,在这一句‘好久不见’之下,如同被春风吹散的云雾,渐渐消散。 This man always has this type silent, comforts the will of the people the strength. 这个男人总是有这种无声的,安抚人心的力量。 The smile of undulating also appears on her cheeks, she entered this office slowly, the response said, „for a long time did not see.” 澹澹的笑容也在她的脸颊上浮现,她缓缓走进了这间办公室,回应道,“好久不见。” „Can drink cup of coffee?” “要喝杯咖啡吗？” At this time, Denny also turns around, smiles will be exchanging the good coffee to give Lena. 这个时候,老丹尼也转过身来,微笑着将兑好的咖啡递给莉娜。 „Thanks.” “谢谢。” A Lena god, received the coffee slightly. 莉娜稍一愣神,接过了咖啡。 Sits on the sofa naturally is He Ao, he drank coffee gently, looked at a Denny, looked at a Lena, „sits, we just happen to chatted you.” 坐在沙发上的自然是何奥,他轻轻喝了一口咖啡,看了一眼丹尼,又看了一眼莉娜,“坐,我们刚刚正好聊到了你。” „?” “啊？” Lena takes advantage of opportunity to sit to one side of sofa, hears the He Ao words to stare. 莉娜顺势坐到沙发的一侧,听到何奥的话语一愣。 „Did Denny say your and situation of grain development, how that side?” “丹尼说你兼了粮食开拓的情况,那边怎么样？” He Ao places on the coffee the table, asked in a soft voice. 何奥将咖啡放在桌子上,轻声问道。 „Is poor,” “不怎么好,” Hears these words, Lena recovers, the slow sound answered, „accurate, was very bad.” 听到这句话,莉娜回过神来,缓声解释道,“确切来说,是很糟。” With this issue, the train of thought that these lost patience wells up her heart again. 伴随着这个问题,那些烦乱的思绪再一次涌上了她的心头。 However she looks at the He Ao tranquil vision, in the heart anxious subsided gradually, she sipped coffee, reorganized a train of thought that continues saying that 但是她看着何奥平静的目光,心中的焦虑又渐渐的平息了下去,她抿了一口咖啡,整理了一下思绪,继续道, „ In you ‚deep sleep’ these days, we obtained the breakthrough in some grain industry technologies, researched and developed some taste quite good synthesis beef steaks and so on product, these products sell in Kaya City not only, sells other cities, “在你‘沉睡’的这段时间里,我们在部分粮业技术获得了突破,研发了一些口感比较好的合成牛排之类的产品,这些产品不光在卡亚市销售,也出售到一些其他的城市, „Because we fix a price quite lowly, is depending upon quite high-quality ‚performance-to-price ratio’, these products made the unprecedented progress in some cities, captured part of market shares.” “由于我们定价比较低,依靠着比较优质的‘性价比’,这些产品在一些城市获得了突破性的进展,抢占了一部分市场份额。” „But,” “但是,” Her tone stopped, „ these products met with the resistance of grain industry monopoly alliance, although after starting food production, we first joined this alliance, however our rights to speak are far less than the two giants of alliance, Moshan and Alone. 她语气停顿了一下,“这些产品遭到了粮业垄断联盟的抵制,虽然在开始粮食生产之后,我们第一时间加入了这个联盟,但是我们的话语权是远不如联盟的两个巨头,莫山托和凯杰特。 „ Particularly triumphant Alone Group, they are the emerging grain industry giants, works very overbearingly, after discovering us attempts the military provisions industry, immediately conducts ambush to us ‚’. “尤其是凯杰特集团,他们是新兴的粮业巨头,做事非常的霸道,在发现我们试图进军粮业产业之后,立刻对我们进行了‘狙击’。 „ First, they communicated affiliated all them to supply the supermarket and convenience store in source of goods, through way of combining threats with inducements, forbade these supermarket and convenience store on the shelf our product. “首先,他们沟通了旗下所有的他们供给货源的超市和便利店,通过威逼利诱的方式,禁止这些超市、便利店上架我们的产品。 „Then, they in view of the quite good several products that we sell, had/left several same competes, and fights the price war with us, the prices of several types of products even are lower than the material cost, raw material that even if their breeding farms and factories have, not possible to lower such lowly the cost.” “然后,他们针对我们卖的比较好的几种产品,出了好几款同样的竞品,并和我们打价格战,有几样产品的价格甚至低于原材料成本,哪怕他们自己的养殖场和工厂出的原料,也不可能把成本降得这么低。” „Therefore they are paying out of money to fight the price war with us, wants to extrude dead us directly?” “所以他们是在贴钱和我们打价格战,想直接把我们挤压死？” He Ao drank coffee , to continue to ask. 何奥喝了一口咖啡,继续问道。 „Yes,” “是的,” Lena nods, „this is the method that Alone uses frequently, their these years extrude the peer, basically are put up the cash to do the subsidy price war, put up the cash greatly declares send/hair, then after all peers crush to death, again directly the price mentioned are far higher than the original level, depend upon the technical superiority and monopolistic position make massive profits.” 莉娜点点头,“这是凯杰特经常用的手段,他们这些年来挤压同行,基本上就是砸钱搞补贴价格战,砸钱大宣发,然后把所有同行都挤死以后,再直接把价格提到远高于原来的水平,依靠技术优势和垄断地位赚取大量利润。” This competitive operation is actually very common in the federation, especially sees in the big financial group suppresses the emerging small business the time. 这种竞争操作其实在联邦很常见,尤其多见于大财团打压新兴的小企业的时候。 The big financial group can leave competes specificly the price cut, depends upon the formalization cost advantage, first probes a low bottom line the price, if was unable to do the dead competitive enterprise, conducts the subsidy price war by the financial group headquarters, draws the price below the cost line. 大财团会出特定竞品降价,依靠规模化的成本优势,先把价格试探到一个较低的底线,如果还不能搞死竞争企业,就由财团总部进行补贴价格战,把价格拉到成本线以下。 Strict, this is actually a financial operation. 严格来说,这其实是一种金融操作。 Subsidy price war besides compared with technical superiority, what is bigger is whose capital is more abundant, this regarding having the big financial groups of massive capital, is in itself more preponderant. 补贴价格战除了比技术优势以外,更大的还是比谁的资本更雄厚,这对于拥有大量资本的大财团,本身就更具有优势。 What only if fate is another big financial group, otherwise had the climate small business basically dead on the volume by this set slightly. 除非下场的是另一个大财团,否则稍有气候的小企业基本上被这一套就卷死了。 To put it bluntly, this has been separated from product's fit and unfit quality, is puts together the capital time. 说白了,这已经脱离了产品本身的优劣,是拼资本的时候了。 Naturally, this fight is still effective to Nowland Group type of cross-industry big financial group. 当然,这种战斗对诺兰卡集团这种跨行业的大财团依旧有效。 Under normal conditions, enters the line of unprofessional spare-time university financial groups of newly, will obtain a demonstration of authority from this industry original big financial group, hits war that one possibly can have a fracture. 通常情况下,新入行的外行业大财团,会得到一份来自本行业原本的大财团的下马威,打一场可能会伤筋动骨的战争。 This war will project on both sides to have a fracture directly, till a side cannot withstand, is forced to negotiate peace. 这场战争会直接打到两方都伤筋动骨,一方承受不了,被迫议和为止。 Either the new enterprise supported, the original old alliance chose to retrocede, formed the new monopoly alliance with this new enterprise together. 要么新企业撑下来了,原来的老联盟选择后退,与这个新企业一起组建新的垄断联盟。 Either the new enterprise was pursued this industry directly. 要么新企业被直接驱逐出这个行业。 Naturally, this type fights any result, finally will monopolize the alliance to rise in prices significantly, in the levelling beforehand loss, but must guarantee certain profit. 当然,这种战斗无论是哪个结果,最后垄断联盟都会大幅度涨价,在填平之前的亏损上,还要保证一定的盈利。 However under normal conditions, this having a fracture price war, when the new enterprise is slightly threatening starts, once after all this fight opens, is massive losses, the invested cost is too high. 不过通常情况下,这种伤筋动骨的价格战,都会在新企业稍微有威胁的时候才开始,毕竟这种战斗一旦开启,就是大量的亏损,投入成本太高。 But at present Nowland Group market share, should not touch the industry the red string. 而以现在诺兰卡集团这种市场占有率,应该还没有触碰到行业的红线。 Triumphant Alone Group starts to ambush and fight the price war now, actually some extreme. 凯杰特集团现在就开始狙击和打价格战,其实是有一些过激的。 „Triumphant Alone Group after all is a young big financial group, works overbearingly, making a great show of one's talents, probably the mad dog is the same, appears itself is not affable, will not draw on besieging of other financial group, although he displays in the market truly mad dog, antagonizes people too.” “凯杰特集团毕竟是一个年轻的大财团,做事霸道,锋芒毕露,像是疯狗一样,才显得自己不好惹,不会招来别的财团的围攻,虽然他在市场上表现的确实过于疯狗,以至于树敌太多。” Situation that the He Ao tranquil summary meets at present, „this hindrance, is we develops definitely will meet, triumphant Alone Group is only a start.” 何奥平静的总结目前遇见的情况,“不过这种阻碍,也是我们发展必然会遇见的,凯杰特集团只是一个开始。” „Yes,” “是的,” Lena also follows to nod, she looks at He Ao, said in a soft voice, „incessantly is triumphant Alone Group, as we further pitch into the grain industry, Moshan holds with the original grain industry big financial group, will definitely also join, by our present cash flows, the big probability cannot support this fight.” 莉娜也跟着点点头,她看着何奥,轻声道,“不止是凯杰特集团,随着我们进一步进军粮食行业,莫山托和原来的粮食行业大财团,肯定也会加入进来,以我们现在的现金流,大概率撑不住这种战斗的。” „Denny, how many now is the Kaya City grain degree of self-sufficiency?” “丹尼,现在卡亚市的粮食自给率是多少？” He Ao looks to nearby Denny. 何奥看向一旁的丹尼。 „Vian master, after these two years development, we almost 80 grain could be self-sufficient now.” “维安主人,经过这两年的发展,我们现在已经差不多有80的粮食能够自给了。” Denny slow replied. 丹尼缓慢的回答道。 „If counted Locker and in the retail sales?” “如果算上罗克市和里门市呢？” He Ao further asked. 何奥进一步问道。 „That degree of self-sufficiency less than 40,” “那自给率不足40,” Denny looks at He Ao , to continue saying that 丹尼看着何奥,继续说道, „At present we meet the ambush of triumphant Alone Group not only, the food production technology also met the bottleneck, moreover Kaya City, Locker, in the retail sales three cities do not suit the food production the city, does not have enough grain factory, must supply so many grain, we need a special grain production base.” “目前我们不光遇见了凯杰特集团的狙击,粮食生产技术也遇见了瓶颈,而且卡亚市,罗克市,里门市三个城市都不是适合粮食生产的城市,也没有足够的粮食工厂,要供应这么多粮食,我们需要一个专门的粮食生产基地。” „I knew,” “我知道了,” He Ao nods gently, the thinking moment , to continue to ask, „that side medical service how?” 何奥轻轻点头,思索片刻,继续问道,“医疗那边怎么样？” „ Good that very Qiming Medical School operates now, „ “启明医学院现在运行的很好,“ Denny said that 丹尼接话道, „ First batch of medical school one-year training lived had entered Kaya City, in retail sales, Qiming Medical School practice of Locker and Dawn City. “第一批医学院一年期培训生已经进入了卡亚市,里门市,罗克市和晨曦市的启明医学院实习了。 „ Besides some in the underground doctor of practicing medicine, majority is the young people of new admittance, they after a year of intensive learn/study, could not undergo what surgery, however under the senior doctor's leadership, treated some headache colds and so on slight illness, “其中除了一些原本就在行医的地下医生以外,大部分都是新入学的年轻人,他们经过一年的速成学习,做不了什么手术,但是在老医生的带领下,治疗一些头疼感冒之类的小病还是可以的, „Naturally, before you said that the school also taught the knowledge of their massive health supplement specially, they in treating an illness, will warn some patient foundation healthcare general knowledge.” “当然,如同您之前说的,学校还特别教授了他们大量的保健类的知识,他们在治病的时候,也会告戒病人一些基础保健常识。” „Medical price?” “医疗价格呢？” He Ao then asked that „were the treatment population of hospital many?” 何奥接着问道,“医院的治疗人数多吗？” „We according to the beforehand arrangement, registered one ‚Pett Qiming Charitable Foundation’, conducts to donate money the subsidy to the hospital by this foundation, then reduces prices the outpatient service in the name of subsidy,” “我们按照之前的安排,注册了一个‘佩特-启明慈善基金会’,由这个基金会对医院进行捐钱补贴,然后以补贴的名义对门诊进行降价,” Denny replied, person who „ hospital attracted did not have the health insurance, Dawn City had many people to ride several hours of public transportation, cross-region must go to Qiming Hospital to see a doctor, basically each intern day of number filled. „ 丹尼答道,“医院吸引了很多没有医保的人,晨曦市有许多人坐几个小时公交车,跨区也要去启明医院看病,基本上每个实习医生一天的号都是排满的。“ The doctor is one eats the industry of experience very much, the looked patient are many, various doubts or problems of contact are many, in addition the learn/study, these interns can grow quickly. 医生是一个很吃经验的行业,看的病人多,接触的各种疑难杂症多,再加上学习,这些实习医生很快就能成长起来。 The new doctor will become the senior doctor, the senior doctor can lead the new doctor. 新医生会成为老医生,老医生又能带新医生。 In any event, although can expect that the following road is very difficult, first step was to walk finally. 无论如何,虽然可以预料后面的路还很难,第一步总算是走出来了。 „How that side medical financial group alliance to say.” “医疗财团联盟那边怎么说。” He Ao asked. 何奥问道。 Nowland Group grain sold, comes under the powerful attack of triumphant Alone Group, the influence that side the medical financial group came under was bigger, will not have responded. 诺兰卡集团粮食才卖一点,就受到了凯杰特集团的强力攻击,医疗财团那边受到的影响更大,不会没有反应的。 Moreover Qiming Hospital also conducted the medical price cut, although circled a circle through charity foundation subsidy this form, but is only in the face attractive, the major financial groups are actually well aware. 而且启明医院还进行了医疗降价,虽然是通过慈善基金会补贴这种形式绕了个圈子,但是只是面子上好看而已,各大财团其实都心知肚明。 „Medical financial group alliance is luring our doctors as before, finding the way to limit the medical licenses of our doctor to issue, and conducts the medicine sell control to us.” “医疗财团联盟依旧在挖我们的医生,想办法限制我们医生的行医资格颁发,并且对我们进行药物出售控制。” Denny answered, 丹尼解释道, „ These behaviors have not had the too tremendous impact on us at present, “不过这些行为目前还没有对我们造成太大的影响, „ First, as the group star drugs manufacture and Wheare of beautiful Medical service Financial group medical financial group alliance leader, does not know what reason, recently in a year blew out the major negative event, seriously affected the public image, therefore they worked were more careful, is not very excessive. “其一是作为医疗财团联盟领导者的群星制药和惠尔美医疗财团,不知道什么原因,最近一年内都爆出了重大的负面事件,严重影响了公众形象,所以他们做事都小心了很多,并没有特别过分。 „ Because and two big financial group suffering setbacks reasons, many small-scale financial groups of medical financial group alliance are also trying to eat up the market shares of two jumbos, looks to bite the next meat, therefore also they have no time to care about us. “而且因为两大财团受挫原因,医疗财团联盟的很多小型财团也在试图借此吃下两个巨无霸的市场份额,看能不能咬下一块肉来,所以也他们无暇顾及我们。 „ Its two were Kelisituosi medical reform opened the unrest of medical reform, at present major cities had to be similar to the Dawn City medical reform law tuart is carrying out, even the federal parliament also had the wind sound/rumor of medical reform law tuart, “其二则是克里斯托斯的医疗改革开启了医疗改革的风潮,目前各大城市的都有类似于晨曦市的医改法桉在推行,甚至联邦议会也有医改法桉的风声, „ Therefore as you expected, the medical financial group alliance besides internal fight, the main objective places Kelisituosi and on Dawn City medical reform law tuart. “所以如同您之前所预料的那样,医疗财团联盟除了内斗以外,主要目标还是放在克里斯托斯和晨曦市的医改法桉上面。 „The above two reasons cause us now the good development environment, but this environment duration should not be long.” “以上两个原因使得我们现在有一个较好的发展环境,不过这个环境持续时间应该不会太久。” Listens to Denny's analysis, He Ao to nod. 听完丹尼的分析,何奥点点头。 Generally speaking, the current situation has not surpassed his beforehand estimate. 总体来说,目前的情况还没有超出他之前的预估。 Kelisituosi keeps off in front, attracted massive vision and firepower, gave the time of Nowland group development. 克里斯托斯挡在前面,吸引了大量的目光和火力,给了诺兰卡集团发展的时机。 „Industrial?” “工业方面呢？” He continues to ask. 他继续问道。 Nowland Group is an industrial group, Kaya City is an industrial city. 诺兰卡集团本身就是一个工业集团,卡亚市是一个工业城市。 The industry is the attitude of life of Nowland Group. 工业才是诺兰卡集团的立身之本。 „Before the fund of the financial operation gaining, we had put into during the expansion of reproduction completely,” “之前从金融操作里面获取的资金,我们已经完全的投入了扩大再生产当中,” Said the principal work, Denny carried slowly stiffly, „ this period of time we opened many factories, now Kaya City has rarely seen purely the unemployment wanderer. 说道主业,丹尼背缓缓挺直,“这段时间我们开设了很多工厂,现在卡亚市已经很少见到纯粹的失业流浪者了。 „ However merges into our markets in retail sales, many products of backlog also found the sale originally, the cash flow that these product for sale abroad bring also further made us obtain further ability of expansion of reproduction. “而在里门市并入我们的市场之后,原本积压的许多产品也找到了销路,这些产品外销带来的现金流也进一步使得我们获得了进一步扩大再生产的能力。 „However because that group of employees of earliest employment gradually make the stable income, will improve to the future anticipation, is willing to spend more money, there are more money to spend, now product backlog are getting fewer and fewer, our cash flows are becoming the health.” “而最早雇佣的那一批雇员因为逐渐获得稳定收入,对未来的预期变好,也更愿意花更多的钱,也有更多的钱消费,现在产品积压的已经越来越少了,我们的现金流正在变得健康。” Simply speaking, was the tray plate got up, can depend upon the inertia to start to revolve, did not have so to be from the beginning difficult. 简单来说,就是盘子盘起来了,能依靠惯性开始旋转了,没有一开始那么难了。 „Un,” “嗯,” He Ao nods, he lifts wristband, before turning one next, just revived Eve to the summary document that he issues, asking looking pensive, „, but I discovered, the restoration of expense as if does miss the expectation? Were the wages that we pay out, as if used in the part of expense not being many?” 何奥点点头,他抬起手环,翻了一下之前刚苏醒过来的时候夏娃给他发的总结文件,若有所思的问道,“但是我发现,消费的恢复似乎不及预期？我们发出去的工资,似乎被用于消费的部分并不多？” This is not a good situation, spends insufficiently cannot develop in the situation in new market, will cause the group cash flow to become serious as before, commodity backlog. 这并不是一个好情况,消费不够又不能开拓新市场的情况下,依旧会导致集团现金流吃紧,商品积压。 When He Ao asked this issue, Denny's line of sight looked to Lena. 在何奥问到这个问题的时候,丹尼的视线看向了莉娜。 Obviously, this is the issue in Lena responsibility. 很显然,这是莉娜职责内的问题。 Initially He Ao to Lena the main duty, was makes her be responsible for propagandizing, the propaganda transmitted not only the meaning of group , must collect below situation to collect above. 当初何奥给莉娜最主要的任务,是让她负责宣传,宣传不光是把集团的意思传达到下面,也要收集下方的情况汇集到上面。 „Because of debt,” “因为债务,” Lena nods, said in a soft voice, „ group most employees, the especially beforehand unemployment employee, the body is more or less shouldering massively debt from financial company. 莉娜点点头,轻声说道,“集团大部分雇员,特别是之前的失业雇员,身上或多或少都背负着大量的来自金融公司的债务。 „ Taking credit card for instance, credit card company through various types policy, various handling charges, to cover its real interest rate by stages, the year interest rates of federal most credit cards are over 16, the interest rate of money most basic unit enterprise employees can borrow over 20, but the interest rate of medical balloon loan is often higher. “就以信用卡为例,信用卡公司通过各种分期政策,各种手续费,以掩盖其真实利率,联邦大部分信用卡的年化利率都是16以上,大部分基层企业雇员能借到的钱的利率则超过20,而医疗分期贷款的利率往往更高。 „ At present the federal rate on loan is the user credit rating hook, the user credit rating is higher, the interest rate is lower, the credit rating is lower, the interest rate is higher. “目前联邦的贷款利率是和用户信用评级挂钩的,用户信用评级越高,利率越低,信用评级越低,利率越高。 „ The revolution rule of financial company is money lends richly, can also probably as far as possible the person of money, but cannot also probably the poor person of money, want to borrow the similar money, then needs to pay more interest. “金融公司的运转规则本身就是尽量把钱借给有钱的、能还得起钱的人,而不太能还得起钱的穷人,想要借同样的钱,则需要付出更多的利息。 „ However these once unemployment vagrant staff, after the unemployment, the credit rating was lowest, then their loan interest was highest, the bank loan interest of most staff basically can achieve 36, and even higher. “而那些曾经的失业流浪员工,在失业之后,信用评级是最低的,那么他们借款利息就是最高的,大部分员工的银行借款利息基本上都能达到36,甚至更高。 „ Moreover, regardless of they borrowed many loan of low interest before, the debt that they need to bear finally is actually the high interest. “而且,无论他们之前借了多少低利息的贷款,他们最后所需要负担的债务其实都是高利息的。 „ Because before even if them, has the interest quite low debt, as they are unemployed, after debt maturity, cannot return money, can only borrow the urious interest as before the debt of debt refunding low interest, raises the debt at the debt, finally all debts are the urious interests. “因为哪怕他们以前有利息比较低的债务,但随着他们失业,债务到期之后还不上钱,依旧只能去借高息的债务偿还低息的债务,以债养债,最终所有的债务都是高息的。 „ In fact, we had many employees once to undergo the bankrupt settlement, however after the bankruptcy law of federation does not mean the personal being broke, does not need to pay the debt. “事实上,我们有许多雇员都曾经经过了破产清算,但是联邦的破产法并不意味着个人破产后就不需要支付债务了。 „ After they go bankrupt, is in the bankruptcy protection stage, after auctioning all properties, the remaining each month income, were allowed to leave behind part of money to use to live every month, but will surpass this amount money to be delimited for repaying the debt. “他们破产之后只是进入破产保护阶段,在拍卖完所有财产之后,剩下的每个月的收入,被允许每个月留下一部分钱用以生活,而超出这个数额的钱则会被划走用于偿还债务。 „ Naturally, what also some employees choose is the extension of loan period, at a higher interest, longer debt deadline, a receiving in exchange lower debt returns the money sum. “当然,也有一部分雇员选择的是债务展期,以更高的利息,更长的债务期限,换取更低的债务还款额。 „ They in vagrant, naturally can not care about these, after all they have not received, indifferent interest on loans. “他们在流浪的时候,自然可以不在乎这些,毕竟他们没有收入,也无所谓债务利息。 „ But they accept Nowland Group to hire, tries to restart the life, these debts seriously will hinder and limit their life. “但是他们接受诺兰卡集团雇佣,试图重新开始生活,这些债务就会严重阻碍并限制他们的生活。 „Is shouldering the year interest rate 36 debtors, in their income, there is a large part, will be used to repay the debt of bank, and very big one in this debt, is the interest of bank, the same month repayments interest of many people will even be far higher than the capital of same month repayments.” “一个背负着年化利率36的债务人,他们的收入里面,有很大一部分,将会用于偿还银行的债务,并且这笔债务中的很大一笔,都是银行的利息,许多人的当月还款利息甚至会远高于当月还款的本金。” Lena looks at He Ao, „ like you once to me thought that Professor this/Ben Seurre is being done said that fruit of labor a large part of these employees by financial company at ‚interest’ the form takes away, becomes the profit of financial company, 莉娜看着何奥,“就像您曾经给我看那本瑟尔教授的着作中所说,那些雇员的劳动成果很大一部分被金融公司以‘利息’的形式拿走,成为了金融公司的利润, „However after they were taken away the fruit of labor, the governable income tailed off, in turn caused the purchasing power to drop, spends to recover naturally might as well expect.” “而他们被拿走劳动成果之后,自身可支配的收入变少了,进而导致购买力下降,消费复苏自然就不如预料了。” „What are your solutions?” “你们的解决办法是什么？” He Ao looks at the two people before body, he knows that two people definitely have to prepare the solution. 何奥看着身前的两人,他知道两人肯定有准备解决方案。 „ Lowest cost solution, is, when everyone's debt little also ends, nature governable money will become many. „ “成本最低的解决方案,就是等,等到所有人的债务一点点的还完,自然可支配的钱就会变多。“ Lena replied. 莉娜回答道。 „Time is a good medicine,” He Ao nods gently, „perhaps, but we did not have more time.” “时间是一剂良药,”何奥轻轻点头,“但是我们或许没有更多的时间了。” „Has a method,” “有一种方法,” Lena hesitant, the slow sound said, „ conducts the loan on favorable terms through Nowland Bank in view of the group employees, replaces their original urious interest loans by the low-interest loan, this can leaves them their taken away most interest, and can also extend the debt, enhances the short-term power of consumption. 莉娜犹豫了一下,缓声说道,“通过诺兰卡银行针对集团雇员进行优惠贷款,以低息贷款替换掉他们原本的高息贷款,这样就可以把他们被拿走的大部分利息留给他们,并且还可以对债务进行展期,提升短期消费能力。 „This can liberate part to spend, before we in the Kaya City implementation after a period of time, the effect were very good.” “这样可以解放出一部分消费出来,之前我们在卡亚市试行过一段时间,效果很好。” She stopped, „, but does that needs massive cash flows, this behavior actually pays with our money to these lends the loan the financial company, although first month after past, these money gradually will return gather together, but wants the effect good, earlier starts needs the big funds. 她停顿了一下,“但是这么做,需要大量的现金流,这种行为其实就是用我们的钱去支付给那些发放贷款的金融公司,虽然第一个月过去之后,这些钱就会逐渐回拢,但是想要效果好,前期启动就需要大笔资金。 „However our cash flows are few.” “而我们的现金流已经很少了。” „Summary,” “总结,” He Ao looks at Lena, smiles, „was short of money, solves the grain problem of development to need money, the alleviation expense jamming continues to promote the industrial development also to need money, but our issues do not have money.” 何奥看着莉娜,笑了笑,“就是缺钱了,解决掉粮食发展问题需要钱,缓解消费堵塞继续推动工业发展也需要钱,而我们的问题就是没钱。” Although does not have moving that money rubs slowly perhaps can also rub, but He Ao does not know that Nowland Group also does have so many time of development. 虽然没钱慢慢磨或许也能磨的动,但是何奥不知道诺兰卡集团还有没有那么多发展的时间。 „Un.” “嗯。” Lena nods. 莉娜点点头。 She gazes at to look at the He Ao smile, why does not know, she always felt that had the financial group to have bad luck. 她注视看着何奥的笑容,不知道为什么,她总感觉有财团要倒霉了。 He Ao carried somewhat coolly already the coffee, drank one, looked to Denny, „did Denny, Mr. Faith come back?” 何奥端起已经有些凉了的咖啡,喝了一口,看向丹尼,“丹尼,菲斯先生回来了吗？” „Should arrive.” “应该到了。” Denny looked at time on wristband. 丹尼看了一眼手环上的时间。 Faith, is the B level regimental commander of that Nowland commission army corps. 菲斯,就是那位诺兰卡佣兵团的B级团长。 He Ao sets out slowly, „we see him.” 何奥缓缓起身,“我们去见见他。”