HRE :: Volume #11

#1008: Conscience bank


LNMTL needs user funding to survive Read More

Different with the stirring excrement stick of anxious to stir up trouble, as a pacifist, Franz is always the most repugnant confusions. 和唯恐天下不乱的搅屎棍不一样,作为一名和平主义者,弗朗茨向来都是最反感混乱的。 Saw that continental Europe wanted the world to be chaotic, as responsible European hegemon, Franz knows oneself should make anything. 眼瞅着欧洲大陆就要天下乱了,作为一名负责任的欧陆霸主,弗朗茨知道自己应该做点儿什么了。 Essentially, this European turmoil is because economic crisis. Delays the crisis burst time artificially forcefully, has not actually completed the subsequent flood discharge work, after the crisis breaks out , the aspect loses the control. 从本质上来说,这次欧洲动乱就是因为经济危机。人为强行延缓危机爆发时间,却没有做好后续的泄洪工作,以至于危机爆发后局面失去控制。 The past economic crisis was the economic policy mistake and currency imbalance between supply and demand and investment is usually overheated, the stock market bubble, the debt surplus and natural disaster, the financial storm and overcapacity...... in one or was two causes. 以往的经济危机通常都是经济政策错误、货币供需失衡、投资过热、股市泡沫、债务过剩、自然灾害、金融风暴、产能过剩……之中的一项或者是两项导致的。 This economic crisis is different, besides natural disaster other was complete. Created consequence, is naturally unprecedented. 这次经济危机不一样,除了自然灾害外其它的齐全了。造成的后果,自然也是空前的。 All governments have not dealt with the experience of this economy of large scale crisis, is having the attitude of letting matters drift, helplessly looks at the situation to deteriorate present this situation. 各国政府都没有应付这种大规模经济危机的经验,一个个都采取着放任自流的态度,眼睁睁的看着局势恶化到了现在这种地步。 Material that according to the Vienna government collects, after the economic crisis breaks out, the unemployment rate of various countries had the explosive growth. 根据维也纳政府搜集的资料,经济危机爆发后,各国的失业率都出现了爆发式增长。 Although is transporting to the overseas immigrates, eases the domestic employment pressure, may immigrate is not an easy matter. 虽然都在向海外输送移民,缓解国内的就业压力,可移民也不是一件轻松事。 The Holy Roman immigration experiences richly, there is an important goods aristocrat feudal lord rushing important person. Start-to-finish service proper, the country of entire German cultural circle is profiting, from beginning to end some people take care of everything. 神罗移民经验丰富,又有一大帮贵族领主抢着要人。一条龙服务妥妥的,连带着整个德语文化圈的国家都受益,从头到尾都有人包办。 Other European countries were different, is not every aristocrat is the linguistics tyrant, the immigration that the language culture does not pass others do not dare to want. 其他欧洲国家就不一样了,又不是每个贵族都是语言学霸,语言文化不通的移民人家可不敢要。 Without a team driving pull people, the immigration is mainly people's spontaneous, even if the government provided the convenient, left person did not have many. Is sadder many of being runs is produces, the general public even/including goes to the passage ticket of colony unable to afford, depends on the relatives and friends to put all sorts of things together. 没有团队主动拉人,移民主要是靠民间自发,纵使政府提供了方便,离开的人也没多少。更悲催得是跑出去的多是中产,普通民众连去殖民地的船票都买不起,还有靠亲朋好友东拼西凑。 Under this situation, the progress of immigration is not naturally quick. If like Holy Roman, were just unemployed some people of running over natives of Latvia, where also has what revolutionary risk? 在这种背景下,移民的进度自然不快了。要是都像神罗一样,刚失业就有人跑过来拉人,哪里还有什么革命风险? Breaks out of the economic crisis, is not a short time matter. Opening hangs is not good, must observe the market nature control law. Stimulates the economy by policy compulsory, can only solve urgent matter, and will also have the serious sequela. 摆脱经济危机,不是一时半会儿的事。开挂也不行,必须要遵守市场自然调节规律。靠政策强制性刺激经济,只能解燃眉之急,并且还会留下严重的后遗症。 Person who since the solution the issue, that solution had the issue. Do not look at that group of little brothers crises on top of crisis, the person who in fact they have the issue are not many. 既然解决不了问题,那就解决产生问题的人。别看那帮小弟们危机重重,实际上他们产生问题的人并不多。 Counts on the fingers knows, seven state of Italian area add the total population also 15 million high and low, Greece has 1 million people, Belgium now 4 million people, the Swiss about 2 million people, the Spanish population are also most also 18 million, puts together completely also 40 million people. 掐指一算就知道,意大利地区的七个邦国加起来总人口也就一千五百万上下,希腊有一百万人,比利时现在也就四百万人,瑞士大约两百万人,西班牙人口最多也就一千八百万,全部加在一起也就四千万人。 By this population proportion computation, has the labor force of age young most also 20 million, the actual number may be smaller. Even if the unemployment rate Gundam/reaches as high as 20%, 4 million people are unemployed. 按照这个人口比例计算,拥有劳动力的适龄青壮最多也不过两千万,实际数字可能还要更小一些。纵使失业率高达百分之二十,也不过四百万人失业。 The unemployment proportion was impossible to be high, besides Belgian industrialization degree was slightly high, remaining was an agricultural country. The industrial population proportion less than can't 30%, be unemployed completely? 失业比例不可能再高了,除了比利时工业化程度略高外,剩下的都是农业国。工业人口占比都不到百分之三十,总不能全部失业吧? Even if the unemployment is not everyone faces the suffering, the immigrant travels does not need to manage. Slightly had the net worth to endure the economic crisis richly, similarly did not need to manage. 纵使失业也不是所有人都面临生活困境,移民跑路的不需要管。略有身家富能够熬过经济危机的,同样不需要管。 Considering actual situation, so long as solved 3 million people of employment problems, the social order can stabilize initially. 考虑到实际情况,只要解决了其中三百万人的就业问题,社会秩序就能够初步稳定下来。 Employment post Franz surely does not have, but are not related, the colony of Holy Roman empire definitely has. So many aristocrat feudal lords, even if helps them construct the castle, manor and farm, can still make 3 million employment posts to come out. 就业岗位弗朗茨肯定是没有的,不过没有关系,神罗帝国的殖民地肯定有。那么多贵族领主,就算是帮他们建造城堡、庄园、农场,也能够制造三百万个就业岗位出来。 Does not hire the overseas labor, is not the aristocrat feudal lords does not want to hire, the key or language barrier, are unable the flexible command. 不雇佣海外劳工,并非贵族领主们不想雇佣,关键还是语言不通,无法灵活指挥。 Individually speaking, this is one greatly troublesome. But to the government, is actually not the issue. So long as can unify manages, conducts language training, provides the language translation, is the good choice. 对个人来说,这是一个大麻烦。可是对政府来说,却不是问题。只要能够统一进行管理,无论是进行语言培训,还是配备语言翻译,都是不错的选择。 Even does not need the government to act, making the service dispatch the company to go into action to handle. Must know that recently these years, the Holy Roman empire presented several services to send the giant. 甚至不需要政府出面,让劳务派遣公司出马都可以搞定。要知道最近这些年,神罗帝国着实出现了几个劳务派遣巨头。 The accumulation provided more than ten million labor forces to the American mainland, made the outstanding contribution to the American economic development, accumulated the rich service to dispatch the experience. 累积向美洲大陆提供了上千万劳动力,为了美洲经济发展做出了卓越贡献,积累了丰富的劳务派遣经验。 Now the American line has not resulted in did, these fellows have exported to transfer selling internally, unceasing goes to the colony from the Continental Europe Organization immigrants, gains the commission from the aristocrat feudal lord hand. 现在美洲线路没得做了,这些家伙已经出口转内销,不断的从欧洲大陆组织移民前往殖民地,从贵族领主手中获取佣金。 Said frankly, Franz this eldest child is powerful enough, Holy Roman the group of fiefdom aristocrats absolutely do not have now is so extravagant. 坦率的说,要不是弗朗茨这个老大够给力,神罗的这帮封地贵族绝对没有现在这么阔绰。 The territory constructs is expensive, the net worth of aristocrat is quite freely rich, but if does not know the plan, that is also very easy to play the bankruptcy oneself. 领地建设可是非常费钱的,尽管贵族的身家都颇为丰厚,可要是不知道规划,那也是很容易把自己玩儿破产的。 In order to help everyone constructs the territory, Franz invited specially the children of the nobility who have had the territory development experience, act as everyone's territory to develop the adviser, according to the actual situation helps them make the development program. 为了帮助大家建设领地,弗朗茨可是专门聘请了有过领地建设经验的贵族子弟,充当大家的领地发展顾问,根据实际情况帮他们制定发展方案。 Only this obviously is insufficient, besides development program, interest enough inexpensive bank loan. In the contrast market that moves more than ten points and dozens points commercial loan rates, the policy-related loan that Royal Bank provides only receives the symbolic two points merely. 光这显然还是不够的,除了发展方案外,还有利息足够低廉的银行贷款。对比市面上那动则十几个点、几十个点的商业贷款利率,皇家银行提供的政策性贷款仅仅只收象征性的两个点。 Really is the symbol, there is no supplemental condition, only charges two points interest, even the operation cost is insufficient, there is no profit, said that is doing charitable is not overrated. 真的是象征性,没有任何附加条件,只收取两个点的利息,连运营成本都不够,根本没有任何利润可言,说是在做慈善也不为过。 In fact, Royal Bank starts its special attribute from being established, decided unable with the general commercial bank same pursue high interest rate and high return. 事实上,皇家银行从成立开始它的特殊属性,就决定了不能和普通商业银行一样追求高利率、高回报。 Therefore Royal Bank always does not accept the general commercial loan, is only engaged in the international loan, or is the policy-related loan, the interest never high. 所以皇家银行从来都不受理普通商业贷款,只从事国际贷款,或者是政策性贷款,利息从来都没有高过。 Naturally, the imperial family financial group enterprise is an exception. Own enterprise can attain the loan on favorable terms from Royal Bank, after all Emperor must eat meal. For the imperial family prestige, Royal Bank is not for profit, but had not said that cannot make money through other channels indirectly! 当然,皇室财团企业除外。自家的企业还是可以从皇家银行拿到优惠贷款的,毕竟皇帝也是要吃饭的。为了皇室声誉,皇家银行不以盈利为目的,可是没说不能通过其它渠道间接赚钱啊! Including provides the low-interest loan to the aristocrat, seems like does not have any income, the benefit that in fact the back hidden is unusual. 包括向贵族提供低息贷款,看似没有什么收益,实际上背后隐藏的利益却非同寻常。 Franz is Emperor, such business has not been one's turn him to do. The loan is truly common, however the loan back is actually the economic lifeline of Holy Roman empire numerous fiefdom aristocrat. 要不是弗朗茨皇帝,这样的买卖还轮不到他来做。贷款确实不起眼,但是贷款的背后却是神罗帝国众多封地贵族的经济命脉。 Franz can look, others naturally can also look. At the beginning of enfeoffing aristocrat, had the capitalist of wanting to remain in limelight to meddle, but the results of these people were finally poor. 弗朗茨能够看出来,其他人自然也能够看出来。早在分封贵族之初,就有不甘寂寞的资本家插手了,只不过这些人的结局最后都不怎么好。 Without the means that the Holy Roman fiefdom aristocrats are kill single-handed, wants to control others lives through the economic means that what doesn't court death is? 没有办法,神罗的封地贵族都是一刀一枪杀出来的,想要通过经济手段控制人家的命脉,不是找死是什么? Especially one group was fantasizing occupies the fellow in magpie nest through the loan trap dove, now grave mound long grass. The contract plays are not related, so long as played the spear/gun to play on the line. 尤其是一帮幻想着通过贷款陷阱鸠占鹊巢的家伙,现在一个个坟头都长草了。合同玩儿不过没有关系,只要玩儿枪能玩过就行了。 The fiefdom aristocrat is equal to the feudal lord king, does not crack a joke. Arrived others domains, others must get angry, how many capitalists can overturn can it be that? 封地贵族等于诸侯王,可不是开玩笑的。到了人家的地盘上,人家要翻脸,又岂是几个资本家能够翻盘的? Does not go into debt, that is the tradition that the ancestor leaves behind. So long as opens the history book to know, not being able to return money gets rid of the creditor is not always something new. 欠债不还,那是老祖宗留下的传统。只要翻开历史书就知道,还不上钱干掉债主从来都不是什么新鲜事。 Royal Bank can make this business, that is because Franz is the enfeoffed nobles of aristocrats, and loan interest of providing is inexpensive, can definitely announce to the public is helping the little brother go through the fiscal difficulty, achieves both fame and fortune, does not exist troublesome. 皇家银行可以做这笔业务,那是因为弗朗茨是贵族们的封君,并且提供的贷款利息还非常低廉,完全可以对外宣布在帮小弟度过财政难关,名利双收,根本就不存在麻烦。 Others are not good, who came is not easy-to-use. The seniors have set the example, has no issue taking advantage of the usury, the harsh terms of credit, they dare to sign, so long as got rid of the creditor afterward on the line. 其他人就不行了,谁来了都不好使。前辈已经做出了榜样,借高利贷没有任何问题,再苛刻的贷款条件,他们都敢签字,只要事后干掉债主就行了。 Even if cannot kill are not related, in own territory, the feudal lord has the right to formulate the law and tax revenue, so long as the law of disagreement/not with central government conflicted on the line. 就算是干不掉也没关系,在自家的领地里,领主是有权利制定法律和税收的,只要不和中央政府的法令相抵触就行了。 For example: Had the feudal lord to formulate «Usury Debt Exemption Law», others stipulated by the legal situation directly, the commercial loan that any loan interest exceeded 8, was not protected by the law entirely. 比如说:就有领主制定了《高利贷债务豁免法》,人家直接以法律形势规定,凡是贷款利息超过八的商业贷款,通通不受法律保护。 Observed the constitution spirit of Holy Roman empire completely, but a number in usury confirmation standard removing, then the usury standard interest from 48 dropped 8, legitimate debt reneging. 完全遵守了神罗帝国的宪法精神,只不过把高利贷认定标准中的一个数给去掉了,然后高利贷标准利率就从48下降到了八,合法的把债务给赖掉了。 As for the contract spirit, that cannot work as the food to eat. So long as put down the moral integrity, the capitalist is a little means does not have with the feudal lord king who these can formulate the rule. 至于契约精神,那又不能当饭吃。只要放下了节操,资本家拿这些能够制定规则的诸侯王是一点儿办法也没有。 Experience teaching. Had the lesson of martyrs blood, the bankers studied intelligently, included the loan blacklist these feudal lord kings early. 吃一堑,长一智。有了先烈们血的教训,银行家们都学聪明了,早早将这些诸侯王列入了贷款黑名单。 Even if the commercial bank really must loan, that must return to the native place to sign the loan contract, the collateral must in the native place, be feared that these fellow being able to repay a debt service upset the table. 商业银行就算是真的要放款,那也要回本土来签订贷款合同,就连抵押物也必须在本土,就是怕这些家伙还不起债务掀桌子。 Removes the political potential income, in fact the low-interest loan can also gain, but the cycle needs to elongate to 20-30 years this time, even is a longer time. 刨除政治上的潜在收益,实际上低息贷款也能够盈利的,只不过这个时间周期需要拉长到20-30年,甚至是更长的时间。 Royal Bank does not accept individual commercial loan, is not does not accept the individual saving business. Do not look that now these aristocrat feudal lords are poor, but territory, once developed, in the future each one will be the big local tyrants. 皇家银行不受理个人商业贷款,又不是不受理个人存款业务。别看现在这些贵族领主穷,可是领地一旦发展了起来,未来个个都是大土豪。 Attains the deposits of these people, Royal Bank will be the future in the world cash flow most sufficient bank, will not have one. 拿到这些人的存款,皇家银行就是未来全世界现金流最充足的银行,没有之一。 Otherwise two point loan interest ghost talents, must open the branch in the colony particularly, even if there are Central Bank to support, that is also ready the proper doing business at a loss project. The light political income, pushing is also like the state-owned bank. 要不然两个点贷款利息鬼才干,尤其是还要在殖民地开设分行,纵使有央行支持,那也是妥妥的赔本项目。光政治上的收益,推给国有银行也一样。 According to the Royal Bank public financial statement, only the overseas colony branch operation, must lose money over a million aegises every year. 按照皇家银行公开的财报,仅海外殖民地分行运营,每年都要亏损上百万神盾。 Has the proxy issue debentures and help/gang listing financing and other value-added services, this entire world top ten banks, must wrest away the World Bank loss list first place all the year round. 要不是有代理发行债券、帮企业上市融资等增值业务,这家全世界排名前十的银行,就要长年霸占世界银行亏损榜榜首了。 Makes money to have the advantage of money-making, not that makes money also is also good does not make money. Does not gain, Royal Bank that but also often loses money, was Franz fishes fully the prestige. 赚钱有赚钱的好处,不赚钱同样也有不赚钱的好处。一家不盈利,还时常亏损的皇家银行,也为弗朗茨捞足了声誉。 Even if the asset scale of this bank, from establishing to start in the unceasing inflation, the attribute that because it does not gain, making people unable to live the heart of envy. 纵使这家银行的资产规模,从建立开始就在不断的膨胀,但是因为它不盈利的属性,让人连嫉妒之心都生不出来。 Naturally, this is only the idea of general public. Plays the finance has envied is red-eyed, only then they clearest, potential income that the cash flow sufficient bank can bring big. 当然,这只是普通民众的想法。玩儿金融的早就嫉妒的两眼发红,只有他们最清楚,有一家现金流充足的银行能够带来的潜在收益有多大。 The envy is also useless, superficially Royal Bank makes the charity, once has profit, besides filling the beforehand financial loss, the extra amount was taken away to make the charity by Emperor. 嫉妒也没用,从表面上来看皇家银行就是做慈善的,一旦产生“盈利”,除了填补之前的财务亏损外,多余部分都被皇帝拿去做了慈善。 All banks on contrast market, Royal Bank is the conscience model of banking industry. This must be accused, other banks had no way to live. 对比市面上的所有银行,皇家银行都是银行业的良心典范。这都要受到指责,其它银行就更没法活了。 In some sense, Royal Bank is also acting as intelligence organization the role, is monitoring every action and every movement of colony. 某种意义上来说,皇家银行也充当着“情报组织”的角色,监视着殖民地的一举一动。 Although cannot achieve even the aristocrat each to eat anything to know, however the cardinal principle development situation in colony, can make clear. 虽然做不到连贵族每顿吃什么都知道,但是殖民地的大体发展情况,还是能够搞清楚的。 Which fellows are law-abiding, which fellows are ambitious, which fellows want to do the matter, is on record. 哪些家伙安分,哪些家伙野心勃勃,哪些家伙想要搞事情,都是记录在案的。 In the prime minister stomach can pole a boat, the Franz mind is not bad. So long as these people do not challenge his bottom line, is the rulers and ministers two suitable ; If jumped over the line, that his Emperor cheated no wonder. 宰相肚里能撑船,弗朗茨的胸襟也不差。只要这些人不挑战他的底线,那么就是君臣两相宜;要是越了线,那就怪不得他这个皇帝坑人了。 Right, cheats. Under the social big background of Europe, aristocrat, so long as does not commit the big crime, Emperor also takes them not to have the means. 没错,就是坑人。在欧洲的社会大背景下,贵族只要不犯大罪,皇帝也拿他们没办法。 Even Franz such domineering Emperor, not possible before others do the matter determines guilt to others. Emperor can do, wears the small shoes to others, or digs several pits in front. 即便是弗朗茨这样的强势皇帝,也不可能在人家搞出事情之前就给人家定罪。皇帝能够做的,也就是给人家穿穿小鞋,或者是在前面挖几个坑。 Wore the small shoes not to have the technique content, but also was censured easily. In comparison, dug a pit in secret is much more comfortable. Many people fell into the pit to be buried, does not know that was who does. 给人穿小鞋太没技术含量了,还容易受人非议。相比之下,暗中挖坑就要舒服得多了。很多人掉进了坑里被埋了,都不知道是谁干的。 But such treatment is not the average person can enjoy, ordinary young aristocrat, only if were holds the flag to revolt, otherwise cannot enter the eye of Franz. 只不过这样的待遇不是一般人能够享受到的,普通的小贵族,除非是举旗造反了,要不然根本就入不了弗朗茨的眼。 The aristocrat who is, Franz saw to cross a lot, lifted the flag rebellion directly has not really met, most brain remnant also joins the revolutionary party. Nobilities rather have to plant, this slogan also really no one shouted. 作死的贵族,弗朗茨见过得多了,直接举旗造反的还真没遇到过,最脑残的也不过是加入革命党。“王侯将相宁有种乎”,这口号还真没人喊。 In line with the helpful idea, Franz decides to intend to draw little brothers. The colony lacks the young labor force in any case now, the aristocrats to snatch the person hit quickly. 本着乐于助人的理念,弗朗茨决定出手拉小弟们一把。反正殖民地现在缺少青壮劳动力,贵族们为了抢人都快打起来了。 Disposable absorbent several million foreign immigrant Franz do not dare, but provides several million temporary employment posts, does not have the pressure. 一次性吸收几百万外国移民弗朗茨不敢,可是提供几百万临时就业岗位,还是没有压力的。 Did not fear that the aristocrats will reject, rare cheap labor, once crossed this village, did not have this shop again. 不怕贵族们会拒绝,难得的廉价劳动力,一旦过了这个村,就再没有这家店了。 Now the economic crisis most serious period, the average wage of European worker has dropped for ten years bottom, and also in slow slowdown. 现在正是经济危机最严重的时期,欧洲工人的平均薪水已经下降到了十年来的最低点,并且还在缓慢下滑中。 Do not look that the French mercenaries can attain almost every month the high salaries of 15 aegises, but that is the working oneself to death money in time of war, needs to spell with the life. The ordinary worker not possibly went to the colony even, where the wage high to go. 别看法兰西雇佣兵能够拿到差不多每月15神盾的高薪,但那是战争时期的卖命钱,需要拿命去拼。普通工人就算是去了殖民地,薪水也不可能高到哪里去。 According to currently the quotation in continental Europe labor market, hires a young labor force to go to Africa to open up wasteland, provides food to wrap up every month 5 aegises to handle. 按照目前欧洲大陆劳动力市场的行情,雇佣一个青壮劳动力去非洲开荒,包吃包住每月五神盾就可以搞定。 Imbalance that considering the people receives, so long as some poor devil countries provide the simple board and lodging, every month to the wage of 3 aegises, can hire the person similarly. 考虑到各国民众收入的不均衡,一些穷鬼国家只要提供简单的食宿,每月给三神盾的薪水,同样可以雇到人。 Such inexpensive labor force, cannot imagine in Holy Roman Empire completely, does not double the wage, hiring person that is a joke. 这么廉价的劳动力,在神圣罗马帝国完全是不可想象的,不增加一倍的薪水,雇人那就是一个笑话。 By the influence of big immigration policy , the labor cost of Holy Roman empire had been increased imperceptibly European, keeps pace with Britain. 受大移民政策的影响,在不知不觉中,神罗帝国的人工成本已经攀升到了欧陆之最,和不列颠并驾齐驱。 Inexpensive labor force, that has become the history. If not for the industry of Holy Roman empire has developed, light/only this high labor cost, made the labor force crowded industry die sufficiently completely. “廉价”劳动力,那已经成为了历史。若不是神罗帝国的工业已经发展了起来,光这高昂的人工成本,就足以令劳动力密集产业全部死掉。 The cost labor force by the economic level and relation of market supply and demand jointly was decided that the cost labor force of Holy Roman native place is high, the cost labor force of colony was higher. 劳动力成本是由经济水平和市场供求关系共同决定的,神罗本土的劳动力成本高,殖民地的劳动力成本就更高了。 Without the high salary, who is willing to go to the barren mountains and untamed rivers the lump? 没有高薪,谁愿意去穷山恶水的疙瘩?
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