Blackstone Code

"It's against the rules, but I don't think it's a problem!"

The director of the Royal Bank's loan department said this to a nobleman with a smile. A reserved smile appeared on the nobleman's originally unhappy face.

The nobleman came early in the morning and asked to mortgage his manor, villas, luxury cars, and a large amount of art and jewelry.

To be honest, meeting such a noble often means making a lot of money. There are two situations for such a noble.

The first is that they may have participated in a gambling game and lost all their assets.

There were also gamblers among the nobles, and they played very big games.

Gamblings such as one or two hundred, one or two thousand, or even one or two thousand, one or two hundred thousand, with a win or loss, seemed a bit unexciting for them.

When the money reaches a certain level, winning or losing is really just a change in digits, and this kind of change hardly makes people's hearts beat faster.

Only by gambling on family property can these gambler nobles feel the happiness, the happiness of walking slowly on the abyss on the tightrope of fate, the happiness of facing the unknown fate.

The history of Gaevra is not without its nobles who went bankrupt at the card table, and there was more than one.

Another situation may be that the "life cycle" of these nobles is about to end. For example, if they are not sure whether they can get new favors from His Majesty the Emperor, they may become civilians.

The assets they hold are likely to be an inducement for them to suffer harm. At this time, it is a good choice to convert the property into money and leave Gafra. Of course, use the money to open up connections and find a way to get the Privy Council to declare a favor for them. Also a possibility.

No matter which situation requires them to mortgage their property to the bank, it means that the bank can make a lot of money. Even if these people are nobles, the bank cannot provide them with loans at 100% of the market price.

Seventy percent, which is already the biggest concession. If civilians want a loan and mortgage it with the nobles and royal banks, they can only get 40 to 50 percent of the actual value of the mortgage. For merchants, In a bank, you can get a slightly higher rate, but not more than 60%.

Even though 70% doesn't seem like a lot, it's actually quite a lot, especially since there are always some good things in the hands of nobles.

For example, rewards from the royal family, gifts from nobles, or various works of art that certain capitalists want to rely on them to donate. If the valuation is too high, they may use banks as a channel for cashing out.

Early in the morning, the nobleman who came for a loan mortgaged almost all of his property. Although the business could make money, it was not easy to get approved because the loan amount was too much.

Fortunately, this is just a small nobleman, and his family background is not that deep.

While saying that this matter was difficult to handle, he smiled and put his signature on the contract. From a business point of view, he showed that this matter was really difficult to handle, and at the same time, he also showed that he was very involved in the whole matter. No matter what happens in the future, at least he will not be a "evil person".

"I will have someone transfer the money to your account later..."

The young nobleman smiled and nodded to show his satisfaction with the supervisor's work. He seemed to ask casually, "Can I give you cash?"

The supervisor was a little...surprised, "Are you sure you want cash?"

"This amount of cash can almost fill our house. Transportation will be a hassle, and it will let people know that you have so much cash in your house, which may cause uncontrollable security issues."

The little noble hesitated, "I'll make a phone call..."

Under the leadership of the supervisor, the young nobleman entered the lounge and came out a few minutes later. His expression returned to the original indifference, "Okay, but you have to make sure that when I want to withdraw the money at any time, it must be To be able to withdraw it, we need to sign an agreement..."

The supervisor was a little confused, but nobles have always been a group of people that people don't understand. "Actually, you don't need to worry about this problem at all. As the head office of the Imperial Bank, we have the confidence and strength to honor any withdrawal request at any time!"

There was a genuine pride on his face when he said this. He also omitted the word "royal" and it should be the Imperial Royal Bank.

This aspect also reflects the strength of Imperial Bank.

But he was very confident that he could do this, but the little noble didn't think so, "If we can't sign a supplementary agreement, then you have to give me cash, and you don't need to consider safety issues."

Seeing that the nobleman didn't look like he was joking, the supervisor hesitated and said, "I need to ask something, please wait a moment."

After leaving the room, he went to the next room and reported the news to the executive director who was currently presiding over the work of the bank through the internal phone.

Although the executive director also found it a bit baffling, it was indeed inconvenient to take out so much cash at once. The underground vault used by Imperial Bank to store cash was very troublesome to open, requiring many procedures and five people. The chairman inserted his key in at the same time.

He felt that it was not worthwhile to spend an hour or two for such a small amount of money.

"I agree in principle that you sign this supplementary agreement, but you must pay attention to the wording and ask people from the legal department to help you draft the agreement..."

Not long after, the supervisor returned to the room with a red letter of agreement and signed this supplementary agreement with the little noble.

If a small noble cannot withdraw his money from the bank account when needed, the bank will pay at least 1.5 times the compensation, and for each day of arrears, the total compensation will be increased by a percentage based on the previous day's total. Five.

There didn't seem to be any big problems with this agreement. After the two parties signed it, the supervisor personally saw the noble off.

Before he could take a rest before he returned to the office, a call from the reception desk came to him. Another noble wanted a loan.

"What's going on?" The supervisor looked at the phone with some confusion, but still received the noble.

This nobleman's requirements were similar to those of the previous nobleman. He pledged as much as possible and asked for cash. The other party was also very well prepared. He brought all kinds of property rights certificates. There were also several servants pushing carts and carrying ten items. Several wrapped oil paintings were brought in along with some artworks.

After going through the same set of procedures, the other party also requested to sign a supplementary agreement.

After all the agreements were signed, the supervisor asked softly, "I would like to ask a very presumptuous question, why do you want to be able to withdraw cash at any time?"

The nobleman in front of the supervisor glanced at him, shook his head, and said nothing. But even if he didn't speak, the supervisor seemed to understand something.

"Sorry, I was reckless." He stood up on his own initiative and respectfully sent the nobleman off.

After the nobleman got in the car, he immediately went to the executive director's office and said what confused him, "Just now another nobleman came to mortgage his property and also asked for cash. I think... there may be a third party. One, the fourth!”

The executive director was an old man in his sixties. He put down his work and looked at the director of the loan department, "What do you want to express?"

The supervisor was a little hesitant about whether to say it. In the end, he felt that he should say it. If something really happened, he might also bear part of the responsibility.

Now that he has spoken out about the problem, if something goes wrong, the responsibility does not lie on his head.

"If they all come to borrow money and specify cash and withdraw money at any time, will it affect our normal work?" The supervisor spoke in a very tactful way. He did not say whether there was enough money in the vault, but only said that it would affect our normal work. .

The executive director thought for a moment, then shook his head, "Don't worry about this problem. We are capable of paying for what they ask for. You have to believe in yourself. If we can't even cope with this, we won't be an empire." The biggest bank!”

After speaking, the executive director picked up the pen, but his eyes were still on the supervisor, "Is there anything else?"

The supervisor originally wanted to say something, but the executive chairman had already told him not to disturb his work. If he continued to ask questions, he might offend the executive chairman, so he had no choice but to leave.

What he wanted to say was that the money those nobles had in the bank was not only part of their loans, but also their own deposits, which was also a not-so-small sum.

But the executive director is obviously not interested in these issues, and he will not interfere anymore.

He reported the problem, and he did not need to bear joint responsibility for the problem. No matter what the loss was, it had nothing to do with him.

Next, new nobles appeared. Not only the Imperial Royal Bank, but also all the banks in the imperial capital and surrounding cities saw the phenomenon of nobles borrowing large amounts of money. For a time, there seemed to be a special smell filling the area around the imperial capital. A faint smell of blood.

Just like...a drop of blood falling into the sea water, it spreads out in strands. You know it is in the water, but you just can't see it.

You can't see it, but some things can "see" it, such as sharks.

At 9:30 in the morning, the Gefra Financial Index plummeted after opening, falling by 2%.

The main reason for this sharp decline lies in what the Finance Minister said on the TV program last night. He wanted to thoroughly investigate the operating conditions of listed companies.

This is no joke. Six heavyweight stocks have been suspended from trading and all bank accounts have been frozen. The Chancellor of Finance has taken action to show that he is really not joking.

But just when people thought that the Gevra Financial Index might continue to plummet, an incredible scene occurred.

Not only did the financial index not continue to fall, but after trading sideways for a period of time, it tilted its head slightly. It was actually pulled up a little bit. Although it was not much, on the trend chart drawn by people, it did tilt up!

The news soon spread throughout Gefra, and the finance minister also knew the news.

However, he did not show any joy. Instead, he had a sarcastic look on his face, and it is said that he even cursed.

"Bad bones!"