Drinking black tea calmly at Hogwarts

The banking industry has an extremely long history.The Babylonian temples in 2000 BC and the Greek temples in 500 BC already had businesses such as keeping gold and silver and issuing loans.In the sixteenth century, the first modern bank appeared in Venice, and then banks appeared in various European countries.With the development and prosperity of business in human society, the banking industry has also developed.

The history of Gringotts is similar to that of the Muggle banking industry. Up to now, in addition to providing treasury, exchanging currency and issuing currency, its business also includes business owned by other banks such as demand deposits, investment and lending.

Among them, through investment and lending, Gringotts has mastered a large amount of real estate and shares in many industries.These assets have become Gringotts' cash cows, providing Gringotts with huge profits every year.The days after Christmas every year to the next New Year's Day are the days when Gringotts gets dividends and accounts.

Under the current wave of runs, in fact, as long as Gringotts persists for 72 hours, their dividends will be credited to the account. At that time, coupled with the publicity in the media, they will be able to calmly deal with depositors who come to withdraw money.

It's just that what Gringotts lacks now is time. If they stop trying to raise cash, let alone 72 hours, their cash flow will completely dry up by afternoon tea time, and their credit will go bankrupt because they cannot pay depositors.This has to let them pass this level by killing chickens and taking eggs first.

Although Gringotts is a monopoly in the wizarding world, the goblins know that wizards have long hated them.If they fell, the next day there would be hordes of vultures standing on their corpses to form new banks and absorb the nutrients from their corpses to grow themselves.

Far water cannot save near fire. In order to save Gringotts, Talosir had to bring what Gringotts could sell to negotiate with Zhang and his poaching team.He had already estimated the number of Galleons in the hands of the other party before. If all the Galleons were in his hands, theoretically, Gringotts could barely survive until today's get off work day, which would buy time for Gringotts to take other rescue operations.

At this time, the place where Talosir and the poaching team negotiated was no longer in the small meeting room just now, and they came to a huge meeting place.

In the venue, a huge table on the rostrum was filled with all the land deeds, house deeds, shareholding books and other documents brought by Talosir.

Several staff members sorted these documents by region, industry, etc., and then handed them over to professionals from various industries brought by different forces under the rostrum.These professionals estimate the value of various real estate and equity, and then record their suggested prices and estimated yields, and let other staff hand them over to the next one, and finally hand them over to the front row data processing center.

There is a whole row of computers lined up in the data processing center. The staff enters the details of each asset document into the system, and then enters the purchase price and estimated rate of return suggested by three professionals, and finally calculates the average value.If there is a large deviation among the three evaluation values, the system will remind the staff to hand this document over to the fourth and fifth persons for evaluation.

At the end, the system will classify all the content and arrange them according to the estimated yield from high to low, and then submit them to the speakers on the rostrum.

Talosir looked at the wizards and Muggles who were busy in an orderly manner with a clear division of labor, his heart was bleeding.

The development of the negotiations is not the same as he expected.

At first, based on the principle of maximizing income, Talosir planned to sell the real estate and equity in his hands to the nine people in front of him in the form of auction. As a result, he received the attention of nine pairs of caring for mentally handicapped children.

He needs others for his own needs, and the other party has nothing to fear. Under the other party's insistence, he can only accept that the other party chooses these assets like picking goods in a store.

He could foresee that what he would face next was a very intense bargaining.

At this moment, Talosir could already see that Gringotts was deeply involved in a huge conspiracy.Not to mention the nine people sitting in front of him drinking coffee while chatting and laughing about what to eat on Christmas Eve tonight, just the hundreds of busy professionals under the rostrum are not short-lived. can be organized in time.

With this news, he had asked his goblins to bring them back to Gringotts. Before Granchell's latest instructions came, he could only bite the bullet and continue the negotiation.

Brought by Tallothir

Among the things, it includes the excellent assets of Gringotts covering the five continents of the world.At the same time, he added a lot of sand to it.

It’s just that his opponents are not stupid. Talosir drank bitter coffee and saw that the list of exquisite utensils made by various goblins was thrown back in front of him first, and the second one was thrown back by London Mortgage contracts for Ministry of Magic buildings.

Talosir originally planned to sell some assets with extremely attractive returns in an attempt to provoke internal strife among the other party, so that he could take advantage of the opportunity.

As a result, the other party was not fooled at all, they had already marked out their respective territories.

All Muggle-related industries are for the Muggle Mr. Owen and the rebel representative Mr. Rodney to choose.

Except for the French industry, the British Isles and Western Europe were divided among Mrs. Malfoy, Mr. Weasley and Mr. Diggory.

The industries in France and Eastern Europe fell into the hands of Mrs. Delacour.

The industries in South Asia and West Asia are picked by Mrs. Patil there.

The industries in Southeast Asia and Oceania all went into the pocket of Mr. Scarlett.

The industries in East Asia, Central Asia, and Africa were taken over by Zhang Xu.

However, the industries in North and South America have been left behind, and they are going to look at their own strength after selecting the good things in their respective regions, and then select the remaining assets with other regions for internal redistribution.

Based on the evaluation results of professionals, they removed the bad assets that Gringotts sneaked in and tried to fish in troubled waters and discarded, and what remained were high-quality assets of real money.

After some selection and friendly negotiation, they gathered together the high-quality assets they had selected, and finally made an offer to Talosir that would make him jump out of his chair.

Talosir's hand holding the quotation list trembled violently, causing the stack of A4 papers that had just been printed to shake in his hand.

°Miracle °: "You guys are robbery"

Talosir waved the quotation list in his hand and shouted at the nine people across the desk.

"Mr. Talosir, please be careful." Zhang Xu said with a smile, "The benefits of robbery with a magic wand are not so high."

Talosir was almost overwhelmed by Zhang Xu's words.

What Zhang said was indeed correct, the robbery was indeed not as fast as they took advantage of the fire to get money.In order to achieve the effect of winning people's attention, they directly cut the total price of the selected assets in half and reported them to Talosir.

"Mr. Tullothir, please stay calm." Bill said from the side, "Business negotiations, that's it. We offer you a counter-offer, this is a negotiation. We didn't use magic wands to force you to agree to us condition."

Then Narcissa said: "Since Mr. Talosir thinks this guy is not suitable, please offer the price you think is suitable."

Talosir gritted his teeth and offered a price, which was 1.2 times the reasonable price of all the assets on the list.

Zhang Xu and the others all laughed after hearing the price. The goblins are really dying and have not yet awakened to be meat on the chopping board.If it was a normal time, it would be understandable for Talosir to raise the premium a little bit more.But now Gringotts is already a salted fish lying on the chopping board, if you don’t save yourself with the determination of a strong man, maybe Gringotts will be robbed by angry wizards and wizards before the Death Eaters come tonight Torn down.

Zhang Xu turned around and called a staff member, and said: "Everyone has worked hard today, you take everyone to lunch first, and then give each person a red envelope of [-] Galleons. After eating, everyone Just go back and be with your family."

On this side, Van Gallon cast his eyes without blinking, making Talosir jealous.Many young wizards don't have much savings, only tens or hundreds of Galleons. This money is enough for them to deal with almost a hundred such young wizards.

"Don't think you can do whatever you want with money," Talosir said angrily.

"Sorry, you can do whatever you want with money." Zhang Xu said with a smile.