Continental Warriors Yoo Ma

Giovanni's generation didn't know if it was a problem with the hybrid genes of the human dark elves. He and his elder brother both suffered from severe gout and had trouble walking.

"Are you satisfied with the banquet at noon today, Mr. Giovanni?" Domenico greeted.

"I'm very satisfied, it's a surprise. I didn't expect that there are so many types and patterns of pasta. The food culture of Seris is so rich and exquisite, which makes people admire." Giovanni praised, and then smiled wryly, " However, I dare not taste the fresh shrimp pan noodles and beef offal noodles. Because my niece Vera wrote to me before and told me that there is a certain poisonous substance in seafood and animal offal, which is the main culprit of gout.”

"Is this what His Excellency the Duke said?"

"Yes, I believe in Seres medicine. At least it is more reliable than our well-trained doctors who frequently perform bloodletting." Giovanni spread his hands.

After chatting, Giovanni whispered to Domenique: "Domenique, can you lend Medici Bank 50 ducats in transit? The interest is negotiable, and it is definitely higher than the usual commercial loans issued by St. George Bank. .”

"Giovanni, although I am the president of the bank, to put it bluntly, I am just an employee with more power. I cannot disobey the orders of the Duke of Bar, the largest shareholder of the bank." Domenic smiled wryly.

At the beginning, after Ma Youfu contacted Giovanni through Vera's relationship, he asked the Medici Bank and San George Bank to jointly promote "Jihad Loans" in Italy.

However, he strictly prohibited St. George Bank from participating in this seemingly profitable business.

Giovanni was also persuaded by Ma Youfu, but after seeing other banks making a lot of money from "jihad loans", he finally couldn't help but participate in it. With excellent organizational skills and strong funds, Medici Bank In a short period of time, it became the bank that issued the most "jihadi loans" in Italy.

"I really don't understand." Giovanni shook his head and said, "Why did the Duke of Baer come up with such a wonderful money-making idea, but he didn't participate in it? Could it be that he is really the incarnation of Hermosa, the god of wealth, who came to The purpose of the mortal world is to bring wealth to believers?"

Domenic didn't know what Ma Youfu had planned, so he just shook his head.

Although he is a smart person and an elite of this era, due to his limited vision, he has no idea how much work can be done in the newly born financial industry, and how much destructive power it can cause.

Seeing that Domenico ignored his request without saying a word, Giovanni felt a little angry.

He is the son of Cosimo, the half ruler of Florence, and he might become the new justice in the future.Such a prince is at least on an equal footing with Ma Youfu in terms of status.

But when the Sirisian talked about cooperation, he said it nicely, but when he wanted to borrow a sum of money to overcome the temporary shortage of funds, the other party didn't take out any money. look.

But even though he was angry in his heart, Giovanni could only put on a smiling face when he asked Domenico for help.

He asked again: "Then let's not talk about borrowing money. My friend, you can at least reveal that the Duke summoned us here. There should be a way to solve the temporary shortage of funds faced by various banks?"

"I'm sorry, Giovanni, I don't know." Domenique's eyes suddenly lit up, "Oh, Miss Antoinette has appeared, you can ask her this question."

Chapter 460: Finance is risky, investment must be cautious

If Antoinette de Menelles is the most beautiful woman in Genoa, the rich people in the republic who have visited the Venus Club and seen her beauty will definitely agree [-]%.

If someone praised Miss Antoinette as the most beautiful flower in northern Italy, then most of the people would agree with her point of view.

If a fanatical suitor brags that Miss Antoinette is the most radiant woman in the entire Mediterranean region, he may face a lot of opposition, but he can also have a large number of supporters.

The original "No. [-] Beautiful Girl in Provence", now followed by the platform built by Ma Youfu, has become famous far and wide.

When Antoinette walked into the conference room with two maids, the bankers and rich men in the room who boasted that they had countless girls all had their eyes lit up, and all their eyes were on this beauty.

Even Domenique, who has to deal with Antoinette almost every day, has a feeling of being familiar and always new.

"Miss Antoinette's beauty is both ever-changing and long-lasting, as if she has an aura blessed by Dizela, the goddess of love and beauty. Such a woman is both eager to have and daunting. Knowing how the Duke made her determined..." Domenique thought to himself.

As soon as he appeared in the conference room, Antoinette attracted everyone's attention.

The girl was very satisfied with the state of being watched by everyone, and said with a smile: "Thank you all distinguished gentlemen, for being willing to come to the Venus Club. Are you having a good time?"

Even knowing that Antoinette's friendly attitude has a strong business component, the well-informed bankers still nodded in flattery and said: "Very pleasant, thank you for your hospitality, Miss Antoinette .”

After a brief greeting, Antoinette ordered the maids to distribute the documents to the bankers.

Youfu Ma has experimented many times, but he has not been able to come up with something like a magic projector. If you want to convey something in such a big meeting, you can't use PPT, you can only rely on traditional paper documents.

"Everyone, your desire to obtain more funds for financial activities has been conveyed to the Duke of Bar through Mr. Domenic not long ago." Antoinette said.

Pairs of eyes immediately turned to the president of the St. George Bank, which probably implied "French lackeys"

"Servant of Seris" and the like.

Domenique was unperturbed, and replied with an expression of "speaking as if you don't treat people like dogs".

Except for a few bankers like Domenic who were born in the bourgeoisie class and climbed to high positions with their skills, most of the bankers present are actually nobles, usually not the eldest son of the family, and are arranged by the elders to manage the financial industry.In a loose and wealthy region like Italy, how could the counties, principalities, and republics ruled by these families not be affected by powerful foreign forces?

Even powerful forces like the Duchy of Milan and the Republic of Venice are not immune.

Everyone is being a dog, who is more noble than whom?

After the bankers had a "friendly exchange" with their eyes, Antoinette said again: "Although the Duke of Baal cannot lend you gold coins directly, he can use his Siris wisdom to share with you." Share with you. In this 'Financial Innovation Plan', His Excellency has written many interesting ideas. I think that with the talents of all gentlemen and the inspiration of this plan, the Italian financial industry will surely flourish. , more and more prosperous!"

Hearing what Antoinette said so eloquently, the bankers present couldn't wait to open the documents in their hands.

On the front page, a line of bright red and bloody special effects are painted on it: Financial risks are risky, investment must be cautious!

Ma Youfu wants to cut Italian leeks by creating a financial crisis, so as to infiltrate his power into the most affluent region in Europe at present, laying the foundation for further actions in the future.

So he can't be like the financial giants of later generations, as long as he can make money, he can throw away his conscience and face.Ma Youfu needs to consider his own reputation and the political impact of his actions, so he must "be both responsible and established".

Now give these people a stern warning. If they lose their underwear in the financial turmoil, they can only blame themselves for being greedy, not Ma Youfu's cunning.

People have emphasized the risks from the very beginning, but if you still plunge into it, who can blame you for being poor in the end?

But at this moment, the bankers who were dazzled by the gold coins all reacted in the same way when they saw the bloody warning on the front page of the document: sneered, and then ignored it.

However, after reading a few pages of the text, the bankers, who were originally disdainful because of Ma Youfu's "mystery", became dignified and focused.

"Great! Wonderful! Why didn't I think of it?" Suddenly someone exclaimed, "If Duke Barr hadn't suggested it, I'm afraid it would take ten or twenty years to figure this out. The jihad debts we have in hand are actually It is a high-quality asset that can generate considerable income! How much difference is there between a loan contract that can bring three ducats in interest and dividends from loot every month, and ten acres of good farmland, or three looms? ? The concept of 'financial products' proposed by the Duke of Barr is really a genius idea!"

With Ma Youfu helping them change their minds, the bankers' thinking became active.

Since the loan contracts piled up in the hands are all assets that can bring income, then selling these assets to investors, like land, houses, and manors, will not be able to withdraw a lot of money?

These funds are then used to issue "jihadi loans" to make more money.

This method of eating two fish is really amazing!

However, some people soon saw the problems in this method.

Giovanni asked: "Miss Antoinette, as far as I know, some banks have lowered the review conditions all the way when issuing jihadist loans. This has led to the fact that the jihadist loans issued before the Crusades, the income The rate of return was high. The yield of jihad loans issued after that has been falling all the way. In the final analysis, how much dividends we businessmen sitting in Italy can receive depends on the performance of the frontline crusaders.

Investors are not fools. When the early jihad financial products are sold out, will they continue to buy jihad financial products with lower yields and higher risks? "

"Isn't it okay to package the early high-yield loans and the later low-yield loans together?" Antoinette said, "I heard that when some noble lords mortgaged their land to bankers, they also Instead of just mortgaging the fertile and fertile land, it will be accompanied by wasteland, forests, and swamps. Isn’t that the same reason?”

"Haha, Giovanni, you have been in charge of the Medici Bank for so many years, yet no young lady understands it!"

"It might be better for Cosimo to send his eldest son."

The mighty Medici family also made many enemies in Italy, and when they seized the opportunity, those who saw Giovanni's displeasure could not help but sneer.

Giovanni didn't think much of it either—or at least he didn't seem to care, just smiled, ignored the cynicism, and thanked Antoinette.

When banks package the claims of these jihadi loans into bonds and sell them, a securities market will naturally be formed.

Depending on how well the Crusaders are fighting on the front lines, bonds will also rise and fall, triggering a series of trading behaviors.And behind these trading behaviors, there is quite a lot of room for manipulation.

Although the European financial industry in this era is still in its infancy, and it is impossible to play the tricks of Boss Ma’s securitization and repeated sales of debts, leveraging a hundred times leverage, the wisdom of bankers at the end of the Middle Ages cannot be underestimated. of.

Under the reminder of Ma Youfu's document, everyone in the conference room seemed to ignite the spark of wisdom, and soon thought of many new money-making ideas.

Like Giovanni.He felt that selling bonds alone would be too simple a means of making money, and Medici Bank could also consider issuing other financial products.

Don't bonds go up and down?Then sell an insurance financial product. When the jihad bond rises, nothing happens. The bank earns premiums. When the bond falls, the bank loses money to investors.

In view of the excellent situation of the Crusades today, it is impossible for jihadi bonds to fall, so the Medici Bank can earn insurance premiums for nothing without paying any price.

Then, the Medici Bank can package the profit and loss of this insurance into another new financial product, and gamble with investors.

In this way, nesting dolls and dolls, won't you be able to collect millions of gold coins?

After the meeting, Giovanni carefully put the few pages of the proposal into his arms, and prepared to study it carefully after returning to Florence. March south and earn as much money as possible.After making such a major contribution to the Medici family, his father must have taken a high look at it. In the future, the inheritance rights of the Republic may fall into his own hands.

Agitated in his heart, Giovanni walked a lot faster, as if the torment of gout had gone away.

But when he boarded the carriage, Domenic stopped him.

"What's the matter, Domenic?"

Panting, Domenic held on to the door of the carriage and said, "You are walking so fast, I almost missed you... I do have something very important..."

He said seriously: "The Duke of Barr asked me to tell you, as well as the entire Medici family, that the first sentence in the plan must be treated with caution. In this carnival, it is best for the Medici Bank to maintain Be rational, conduct financial activities cautiously, and don't be fooled by interests."

Giovanni didn't take it seriously, and even felt that Domenique's warning was malicious.

Chapter 460 Preparing to Buy Bottoms

"Domenique." Giovanni's tone was a little cold, "Your words seem to be contradictory. Since the Duke of Baal took out the plan full of whimsy and told us what is 'finance' Innovation', then he should agree that we can use it to earn wealth reasonably and legally."

In fact, after reading Ma Youfu's proposal and being inspired, it is up to the Italian bankers to do what they do next, and Ma Youfu has no binding force on them at all.

When Giovanni said this, he was just taking care of the other party's face.

The second young master of the Medici family said: "With the above premise, why did the Duke of Bar tell me to be cautious? Isn't this contradictory? I think it might be that someone used the mouth of the Duke of Bar to Passing false news, wanting to make the Medici Bank, the biggest rival of the St. George Bank, restrained, and miss this once-in-a-lifetime opportunity due to the Crusades?"

Dominic's expression changed: "Are you doubting me?"

He was actually wronged too.Because the words just now were indeed conveyed by Youfu Ma.

Ma Youfu mainly looked at Vera's face, and didn't want the Medici family to suffer too much loss in the subsequent financial turmoil.

"St. George Bank has not issued jihadi loans before, and will not issue jihadi bonds in the future. Where is the competition between us?" Domenic said angrily.

He himself would very much like to join in this financial carnival.Seeing colleagues in the same industry are full of vigor and earning a lot of money, if you say you are not envious, you are lying.

But the Duke of Barr is not only his boss, but there are thousands of soldiers who are loyal to him under this boss.

If going against the wishes of the Duke of Barr affected the overall situation, the ending that Domenic faced might not be as simple as losing his job.

Seeing that Giovanni didn't believe what he said, Domenic didn't bother to explain, and said "I wish you a happy life" in a sarcastic tone, and returned to the Venus Club.

After meeting Antoinette, he told what happened to him just now.

"I don't know anything about the banking industry. In fact, I couldn't even understand the previous proposal. In the meeting room, I was just doing a 'performance' according to the Duke's instructions." An Tuowa Nate shook his head, and then comforted, "But Mr. Domenic, I don't understand finance, but I know the Duke well. You don't have to worry about the attitude of your colleagues, as long as you continue to follow the Duke's orders, you will be right. .In another six months, or a year, it will be clear who is right and who is wrong."

"But..." Domenic was still a little reconciled to seeing that the booming financial industry was about to usher in a big change, but he had to stay out of it.

"Mr. Domenic, the Duke asked me to tell you something. Don't yearn for the prosperous financial market established because of jihadist loans, and those bankers who seem to make a lot of money. All these beautiful scenes are based on a fragile The assumption that the Eastern Crusaders will continue to win and earn huge war dividends. But how do those bankers and speculators far away in Italy understand the things on the battlefield?"

"You mean..." Domenic was so excited that he almost stopped breathing when he thought of a possibility.

Antoinette smiled slightly, and continued to act as Mayoufu's loyal voice: "Next, the jihad bonds issued by various banks will definitely be frantically sought after because of their high yields that surpass ordinary investment methods such as land rent and workshops. In order to buy as many jihadi bonds as possible, investors will even borrow money. But most of the funds of various banks are used to issue jihadist loans. Where can they have spare money to issue ordinary loans with ordinary interest? At this time, it is St. George’s The bank is out."

While other banks are playing the financial game of unlimited matryoshka, St. George Bank, controlled by Mayoufu, can take this opportunity to issue loans to investors, allowing them to purchase various jihadist financial products.

Because there are many people who want to borrow money to invest, and the currency made of precious metals is limited, St. George Bank can continue to lower prices and issue loans with lower mortgage rates.

Generally speaking, customers who borrow from banks can get [-]% of the collateral.However, when the supply is far less than the demand, this ratio can be reduced to [-]%, or even [-]% or [-]%.

Once the Eastern Crusaders were defeated and the jihadi bonds collapsed, those customers who borrowed loans from St. George's Bank for speculation would not be able to repay the loans, and the collateral would naturally be taken away.