With the constant development of economy, around Vienna securities trading Center, formed a characteristic financial street slowly. 随着经济的不断发展,围绕维也纳证券交易中心,慢慢形成了一条独具特色的金融街。 Here gathered the Holy Roman Empire three points banks and 45% securities companies, other kind of financial companies are as numerous as the hairs of an ox. 这里汇聚了神圣罗马帝国三分一的银行、百分之四十五的证券公司,其他各类金融公司更是多如牛毛。 Can say, as long as is a little financial enterprise of strength, established the foothold here. Powerful, monopolizes a building. 可以说但凡是有点儿实力的金融企业,都在这里设置了据点。实力雄厚的,更是独占一栋大厦。 Naturally, in any place competent is a few. Can have an office building in the financial circle of inch of land worth an inch of gold, even rents is not the ordinary enterprise can achieve. 当然,在任何地方有实力的都是少数。能够在寸土寸金的金融界拥有一栋办公大楼,即便是租赁也不是普通企业能够做到的。 Not is only the issue of money. Here the rich man must go, everyone's details understood each other, installs to compel to turn into the fool. 不光是钱的问题。在这里有钱人多得去了,大家的底细相互都了解,装逼就会变成傻逼。 With the disturbed mood, Abarbanel half step entered into the New Foundland building, rushes Appel commercial bank that oneself hold public office. 怀着忐忑的心情,阿巴伯内尔快步迈入了纽芬兰大厦,赶往自己供职的Appel商业银行。 As the old-fashioned commercial bank in German area, Appel commercial bank, because is poor management, not only has not kept up with the tide of historical development, instead under the competitor attacks becomes worse and worse. 作为德意志地区的一家老派商业银行,Appel商业银行因为经营不善,不仅没有跟上时代发展的浪潮,反而在竞争对手冲击之下每况愈下。 Especially in a year ago stock disaster, the Appel commercial bank because of the miscalculation, in the account presented massive bad accounts. 尤其是在一年前的股灾中,Appel商业银行因为判断失误,账面上出现了大量的坏账。 Appel commercial bank that is on the verge of the bankruptcy, in quietly without interest easy lord. Exchanges ownerships as the bank later enters the duty staff newly, Abarbanel who just entered the society, received boss from the beginning „thinking highly of”. 濒临破产的Appel商业银行,在悄然无息中易了主。作为银行易主之后的新入职员工,刚刚步入社会的阿巴伯内尔,从一开始就受到了上司“器重”。 Now Abarbanel actually does not want this type „thinking highly of”. Provides the loan to the Spanish government, thinks to feel exciting. 只是现在阿巴伯内尔却丝毫不想要这种“器重”。向西班牙政府提供贷款,想想就觉得刺激。 It is not Abarbanel improperly belittles oneself, is really the Appel commercial bank strength is limited. „70 million” the loan of aegis, drains being able to gather half the Appel commercial bank. 不是阿巴伯内尔妄自菲薄,实在是Appel商业银行实力有限。“七千万”神盾的贷款,把Appel商业银行抽干都凑不到一半。 Draining the fund obviously is not possible, the supervisory department of Vienna government is not an idiot. This possibility initiates to run on a bank the stupid behavior of crisis, will definitely bring in interferes. 抽干资金显然是不可能的,维也纳政府的监管部门又不是白痴。这种可能引发挤兑危机的愚蠢行为,肯定会引来干涉。 Elaborated the risk to the boss personally, not only has not played the role, this mammoth task instead fell on Abarbanel. 亲自向上司阐述了风险,不仅没有发挥作用,这项艰巨的任务反而落到了阿巴伯内尔头上。 According to the view of boss: „Supports brave, starves to death timidly”. Could not continue, that found the person to do jointly together. 按照上司的说法:“撑死胆大的,饿死胆小的”。一家承接不了,那就找人联手一起干。 Abarbanel thinks finds the person to collaborate, is asks several peers to form the consortium. If so, although risk big a little, but there are many banks to share together , is not undoable. 原本阿巴伯内尔以为找人联手,就是找几家同行组建银行团。如果是如此的话,虽然风险大了一点儿,但是有多家银行共同分摊,也不是不能做。 Quick Abarbanel discovered that is not such matter, loans in the consortium that not to present the list of Appel commercial bank to west, but this loan remains. 很快阿巴伯内尔就发现不是这么回事,对西放款的银行团中并没有出现Appel商业银行的名单,但是这笔贷款仍然存在。 This means that 70 million aegis commercial loans that they continue now, is not same loan that the Vienna government and Spanish decide. 这就意味着,他们现在承接的7000万神盾商业贷款,并不是维也纳政府和西班牙人敲定的同一笔贷款。 The high risk international loan, without the government involves, the powerful mainstream bank has not participated, Abarbanel suspected that this is cracking a joke. 高风险国际贷款,没有政府介入,没有实力雄厚的主流银行参与,阿巴伯内尔非常怀疑这是在开玩笑。 The reality told him, this was real. This loan truly exists, with Appel commercial bank jointly is not the well-known big bank, instead is some have not listened to the small loan company. 现实告诉他,这是真的。这笔贷款确实存在,和Appel商业银行联手的不是知名大银行,反而是一些从来都没有听过的小贷公司。 Can the fellow who these must not exposed to the light, put out so many money to come? Abarbanel suspected, the boss was deceived. 这些见不得光的家伙,能够拿出这么多钱来？阿巴伯内尔非常怀疑,上司是被人骗了。 ...... …… „Did Abarbanel, sign with the contract of Spanish?” “阿巴伯内尔,和西班牙人的合同签了没有？” Just passed through the gate has not gasped for breath with enough time, Abarbanel welcomed boss's question. 刚进门还没来得及喘口气,阿巴伯内尔就迎来了上司的问话。 Such important commercial loan, gave him such an rookie to be responsible, thinks is also drunk. 如此重要的商业贷款,就交给他这样一个新人负责,想想也就醉了。 According to the view of bank interior work personnel, Abarbanel is the illegitimate child of incumbent president and boss. Otherwise this deducting a percentage rich business, is not one's turn him. 按照银行内部工作人员的说法,阿巴伯内尔就是现任行长兼老板的私生子。要不然这种提成丰厚的业务,根本就轮不到他。 If not the appearance disparity is too big, in addition determined oneself are one's own, Abarbanel will have a suspicion. 如果不是长相差距太大,外加确定自己是亲生的,阿巴伯内尔也会有种怀疑。 „ Also no, Mr. Adlex. The Spanishs proposed new condition, after they request contract signing, the first week loaning quota cannot be lower than 10%. “还没有,阿德勒先生。西班牙人提出了新的条件,他们要求合同签订后,首周放款额度不能低于百分之十。 This body matter is big, I do not dare to act without authorization. Agreed on the time with the Spanish, tomorrow afternoon will negotiate on this issue again. ” 兹体事大,我不敢擅自做主。就和西班牙人约定了时间,明天下午再次就这个问题进行谈判。” The doubts turn over to the doubts, Abarbanel respects about oneself Bole. Even if suspected that this loan, possibly after is Adlex brain water penetration, authorizes, Abarbanel has not persisted in opposing. 疑惑归疑惑,阿巴伯内尔对自己的伯乐还是非常尊重的。即便是怀疑这笔贷款,可能是阿德勒脑子进水后批准的,阿巴伯内尔也没有坚持反对。 Perhaps in this also has the benefit that cannot see, plays the finance, must always have with various influences has to do. Sometimes for benefit secretly, makes several losses to buy and sell, is completely normal. 或许这里面还有看不到的利益,玩儿金融嘛,从来都少不了和各种势力打交道。有时候为了暗地里的利益,做几笔亏损买卖,也完全是正常的。 A Adlex brow wrinkle, quick stretched slightly: „ Un, dry/does good. This matter, is truly not suited by you make the decision. 阿德勒眉头微微一皱,很快就舒展了开来:“嗯,干的不错。这种事情,确实不适合由你来做决定。 Told the Spanish, during a period of one week the loaning time was too tight. This huge loan, never has is so quick. 告诉西班牙人,一周之内放款时间太紧了。这种巨额贷款,从来都没有这么快的。 In order to reduce the risk, we must avoid the Spanish government abusing the loan, monitoring is inevitable. 为了降低风险,我们必须要避免西班牙政府乱用贷款,进行监督是必然的。 The bottom line is the first batch of loaning quotas cannot over 3 million aegises, after that every week loaning quota not over 500,000 aegises. 底线是首批放款额度不能超过300万神盾,此后每周放款额度不超过50万神盾。 Remaining you look at the office, what as far as possible is the bank gains the benefit. ” 剩下的你看着办吧,尽可能的为银行争取利益。” Obviously, Adlex's innermost feelings do not have in the surface is so calm. Especially in hearing the Spanish requests, after the first week loans 1/10, is the heartbeat accelerates. 显然,阿德勒的内心没有表面上这么平静。尤其是在听到西班牙人要求,首周放款十分之一后,更是心跳加速。 But Adlex conceals is good, Abarbanel extremely respects about him, does not have the prompt discovery. 只不过阿德勒掩饰的太好,阿巴伯内尔又对他太过尊重,没有及时发现而已。 „Mr. Adlex, the Spanish has achieved consistently with the government, and obtained the commercial loans of 70 million aegises, now we again......” “阿德勒先生,西班牙人已经和政府达成一致,并且获得了七千万神盾的商业贷款,现在我们再……” Does not need Abarbanel to speak the words, Adlex hits to block the way: „ Abarbanel, you were too young. 不待阿巴伯内尔把话说完,阿德勒就打断道:“阿巴伯内尔,你还是太年轻了。 Although the Philippine war ended, is in the island also several hundred thousand rebel armies, waits for the Spanish to exterminate ; Now Cuban rebellion erupts, the Moroccan area may also have the accident. 菲律宾战争虽然结束了,可是岛上还有几十万叛军,等着西班牙人去剿灭;现在古巴叛乱又爆发了,摩洛哥地区还有可能发生变故。 So many issues gathered one, obviously had the result that the international forces meddled. Can Spain win the war I not to know, but I can affirm that 70 million aegises are certainly insufficient. 这么多的问题汇聚到了一起,明显是有国际势力插手的结果。西班牙能不能赢得战争我不知道,但是我敢肯定七千万神盾一定不够用。 If not for is really short of money, the Spanish government will not borrow from us. Although the risk was bigger, but returns is also rich enough! 若不是真的缺钱,西班牙政府也不会向我们借款。虽然风险大了一些,可是回报也足够丰厚啊！ Let alone, what we are more pulled a head, truly must disburse money that help/gang small loan company. Even if the loan has problems, our losses will also be limited. ” 何况,我们更多的只是牵了一个头,真正要出钱的还是那帮小贷公司。纵使贷款出了问题,我们的损失也会有限。” The feeling has the issue, but where does not know the issue. Blurry Abarbanel, routine nod. 感觉有问题,但是又不知道问题在哪儿。迷迷糊糊的阿巴伯内尔,习惯性的点了点头。 After sending Abarbanel, Adlex's deep sighing, said after a sigh „young heart in the old days” secretly. 打发了阿巴伯内尔后,阿德勒深深的叹了一口气,暗自感叹道“人心不古”。 At this time he has to rejoice, has not given the slippery customers in bank to be responsible for the business. Just left the school gate small young can find the problem, if fell in the slippery customer hand, perhaps he wants the supervisory department to drink the coffee now. 这个时候他不得不庆幸,没有将业务交给银行中的老油条负责。刚出校门的小年轻都能够发现问题,要是落到了老油条手中,没准现在他都要去监管部门喝咖啡了。 Do not suspect that everyone's reporting enthusiasm, according to the stipulation of Vienna government, reported serious contrary commercial loan successfully, the acquired reward is lowest no less than loaning 1/10 of aggregate amount. 不要怀疑大家的举报积极性,按照维也纳政府的规定,举报严重违规商业贷款成功,获得的奖励最低不少于贷款总金额的十分之一。 7 million aegises have made anybody crazy sufficiently. Must know the Appel commercial bank, value 7 million. Can an opportunity of dynasty sudden wealth, how miss? 七百万神盾已经足以令任何人疯狂。要知道Appel商业银行,都值不了七百万。一朝暴富的机会,如何能够错过？ Naturally, Adlex must be prepared. Even if was reported that at the worst this loan does not do, picks not to have the issue oneself. 当然,阿德勒也是要有准备的。纵使被人举报,大不了这笔贷款不做了,把自己摘出去还是没有问题的。 The loan contrary is not false, however contrary place not Appel commercial bank, but on back small loan company. 贷款违规不假,但是违规的地方并不在把Appel商业银行,而是在背后的小贷公司上。 On both sides do not have any relation outwardly, even if really has problems, Adlex is also suspected merely, but cannot therefore be determined guilt. The bank is not police, without the duty traces the investor source of funds. 明面上双方不存在任何联系,纵使真出了问题,阿德勒也仅仅只是涉嫌,而不能因此被定罪。银行又不是警察,没有义务追查投资人资金来源。 Picked up the microphone, dialed the telephone. Adlex's indifferent saying: „ Spanish as if scratched to realize anything, you must pick up the speed now. 拿起了话筒,拨通了电话。阿德勒冷漠的说道:“西班牙人似乎擦觉到了什么,你们现在必须要加快速度。 I as soon as possible with Spanish signing contract, if unfavorable situation,...... ” 我会尽快和西班牙人签订合同,如果势头不对,就……” Does not need Adlex to speak the words, telephone another hits to block the way: „ Relax, Adlex. I am not a fool, the law of Vienna government had not stipulated: The investment company cannot finance in the overseas. 不待阿德勒把话说完,电话另一头就打断道:“放心吧,阿德勒。我又不是傻子,维也纳政府的法律可没有规定:投资公司不能在海外融资。 Even the supervisory department discovered, could not decide our crime. This matter will not involve you, so long as the Spanish government does not break a contract, matter will not give it away. 就算是监管部门发现了,也定不了我们的罪。这件事不会牵扯到你的,只要西班牙政府不违约,事情就不会穿帮。 The Spanishs just achieved a loan of 70 million aegis, in addition our loans, how the Spanish government likes spending freely again, for a short time will not go bankrupt. 西班牙人刚刚达成了一笔七千万神盾的贷款,再加上我们这笔贷款,西班牙政府再怎么爱挥霍,一时半会儿也不会破产。 So long as controls, loan origination quota each time, even if the Spanish discovered our goal, they will also pretend anything not to know. 只要控制好,每次的贷款发放额度,纵使西班牙人发现了我们的目的,他们也会装作什么都不知道。 Helps us do this ticket, the Appel commercial bank was your. Volume money travels , to continue to operate, that is your matter. 帮我们干完这一票,Appel商业银行就是你的了。无论是卷钱跑路,还是继续经营下去,那都是你的事情。 In the riches and honor danger asked that doesn't your risk dare to brave? ” 富贵险中求,你不会这点儿风险都不敢冒吧？” ...... …… Ended the dialogue, Rivera has not felt relaxed. For this big plan, he paid the big price. 结束了对话,里维拉并没有感到轻松。为了这个大计划,他可是付出了大代价的。 Not only makes contact with greatly the favor, uses the relations that can use on, even also bet own lives and properties. 不仅搭上大把人情,把能利用的关系都利用上了,甚至还赌上了自己的身家性命。 It is not Rivera wants adventurous, really before is, loss in the disaster is extremely heavy, owed the large amount of foreign loan. 不是里维拉想要冒险,实在是之前股灾中的损失太过重大,以至于欠下了巨额的外债。 The capital market is brutal, in front of the benefit, may not have the friend. If cannot return the debt, first delivers him to offer sacrifice to heaven, is the friend in commercial. 资本市场是残酷的,利益面前,可没有朋友的。要是还不上债务,最先送他祭天的,就是商业上的朋友。 Rivera is also the fee/spent completely lips and tongue, convinced the creditor. In fact, cannot calculate to convince. To recover the debt, must make Rivera first get rich. 里维拉也是费尽唇舌,才说服了债主。事实上,也不能算说服。想要收回债务,就必须要让里维拉先发财。 The bankruptcy is easy, getting rich is difficult. The method of fast getting rich, writes in the criminal law, Rivera can only choose an implementation. 偏偏破产容易,发财难。快速发家致富的方法,都在刑法上写着,里维拉只能从中选一条实施。 The consideration over and over, Rivera decides „deceiving”. This is the inherited skill, most adept, is the most adept acrobatics. 考虑再三,里维拉还是决定“骗”。这是祖传的本事,最娴熟、也是最拿手的把戏。 By the beforehand human relations, and help of creditors, Rivera soon found one group to have a common goal the person. 凭借之前的人脉关系,以及债主们的帮助,里维拉很快就找到了一帮志同道合之人。 Not only formed the handbag investment company and small loan company, even also purchased a Appel commercial bank that is on the verge of the bankruptcy. 不仅组建了皮包投资公司、小贷公司,甚至还收购了一家濒临破产的Appel商业银行。 Rivera is prepared to find the Russia person, after all the Tsar government is corrupt enough, buys over several officials to coordinate, can plan perfect working. 原本里维拉是准备找俄国人的,毕竟沙皇政府足够腐败,收买几个官员配合,就可以将计划完美的进行下去。 What a pity the Russia personal name sound is too smelly, with could not flicker the investor. 可惜俄国人名声太臭,拿出去忽悠不了投资人。 With continuing of economic crisis, the European small countries go bankrupt unceasingly, Rivera once wanted desperately, the Spanish braved exactly at this time. 随着经济危机的持续,一个个欧洲小国不断破产,里维拉一度都要绝望了,恰好这个时候西班牙人冒了出来。 Great, must hold! 没得说,必须要抓住啊！ According to the plan, first signs a return favorable contract with the Spanish government, then takes the contract to go out the flickering investor. 按照计划,先和西班牙政府签订一份回报优厚合同,然后再拿着合同出去忽悠投资人。 The share interest, did not fear that the Spanish government does not coordinate. In the event of the sudden and violent thunder, the financial company of lending will go bankrupt to travel in any case. 利益共享,不怕西班牙政府不配合。反正一旦出现暴雷,放贷的金融公司就会破产跑路。 No matter loan interest high, condition harsh, the creditors travelled in any case, naturally did not use. 不管贷款利息有多高,条件有多苛刻,反正债主都跑路了,自然是不用还了。 ...... …… Entire in April, the newspaper of Vienna government was brushed the screen by two matters. First, National Day military parade, moreover is two „70 million” the loan of aegis. 整个四月份,维也纳政府的报纸都被两件事刷屏。一是国庆阅兵,另外就是两笔“七千万”神盾的贷款。 The unknown Appel commercial bank, is an artillery is also lucky at this moment, has to become the nova of Holy Roman Empire banking circle greatly. 名不见经传的Appel商业银行,此刻也是一炮走红,大有成为神圣罗马帝国银行界的新星。 To the commercial bank, becoming famous is a good deed, this means that will have more businesses to visit ; Similarly is also terrible business, is easy to bring to the attention of supervisory department. 对商业银行来说,出名是一件好事,这意味着会有更多的业务上门;同样也是一件麻烦事,容易引起监管部门的注意。 However the Appel commercial bank and Spanish government are the transnational loans, on the procedure/program is outwardly legitimate, nothing but was the interest high little. 不过Appel商业银行和西班牙政府是跨国贷款,明面上程序都是合法的,无非是利息高了一点点。 This is the operation freedom of commercial bank, others do not fear the risk, that also has anything to say. 这是商业银行的经营自由,人家自己都不惧怕风险,那还有什么好说的。 So long as in the lending leverage range of state regulation, without triggering the bank cash flow is anxious, will have the obvious credit risk, the supervisory department will not involve. 只要在国家规定的放贷杠杆比例范围之内,没有引发银行现金流紧张,产生明显的信贷风险,监管部门就不会介入。 Becoming famous along with the bank together, the investment companies, this moment clerk are taking the contract of signing, holds the investment speaking meeting everywhere. 伴随着银行一起出名的,还有一个个投资公司,此刻业务员正拿着签订的合同,四处开投资宣讲会。 As to Adlex's commitment, but finances in the overseas, does not do the matter internally, that is a joke. 至于对阿德勒的承诺,只是在海外融资,不在国内搞事情,那就是一个笑话。 Swindler's commitment, if can believe that this world has not deceived. 骗子的承诺,如果能够相信的话,这个世界就没有欺骗了。 ...... …… „This century biggest getting rich opportunity came!” “本世纪最大的发财机遇来了！” „Understood applause.” “听懂的掌声。” ...... …… „ Everyone calculates an tent/account together, according to contract that signs with the Spanish government, the handling charge is 12, that: “大家来一起算一笔帐,按照同西班牙政府签订的合同,手续费是12,那么: 7000 *( 1-12) = 61.6 million 7000*(1-12)=6160万 By the every year 11.2 interest computations, divides for 30 years to repay principal and interest, we first can deduct: 按照每年11.2的利息计算,分30年还本付息,我们首批可以扣除: 67.48 * 12 = 8,772,400 67.48*12=877.24万 6160- 877.24 = 52,827,600 6160-877.24=5282.76万 The amount that in other words 70 million loans, we need to pay is actually 52,827,600, the real interest rate had arrived at 16.6. ” 也就是说7000万的贷款,我们需要实际支付的金额是5282.76万,实际利率已经到了16.6。” „Was this complete?” “这就是全部了么？” „ No, we can also formulate the loan the use direction. For example: Assigns the commodities of following home certain enterprises, so long as does not exceed the current price on market, the Spanish government is irrecusable. “不,我们还可以制定贷款的使用方向。比如说:指定后面国内某些企业的商品,只要不超过市场价,西班牙政府就不能拒绝。 This means that our also incentives can gain, the civilian goods pull out 10%, the arms and ammunition pull out 30%, is not excessive? ” 这就意味着我们还有一笔中介费可以赚,民用物资抽百分之十,武器弹药抽百分之三十,不算过分吧？” „Synthesis calculated 20 to be good, 5286.76 * 0.2 = 10,565,520, left the odd change to take entire, the incentive was 10.56 million.” “综合计算20好了,5286.76*0.2=1056.552万,舍去零头取整,中介费就是1056万。” „Arrived here, the loans of 70 million aegises, we had in fact returned to the funds about 37, the investment return ratio rose......” “到了这里,实际上7000万神盾的贷款,我们已经回款了近37,投资回报率上升到了……”