第141章：奥法银行
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“灯塔巫师？”罗兰先是一愣，旋即恍然大悟：“对啊，你们灯塔山是开奥法银行的，法术位不够可以跟银行借，这下高等即时超魔所需的资源就全解决了！”
妮基塔点头微笑：“你很聪明，但是银行也不傻，借贷越多，我要付出的利息也就越高。龙腾小说网ltxs520.com”
罗兰对奥法银行的经营很感兴趣，连忙追问道：“利息是怎么算的？”
“这很复杂，为了方便理解，我们先得把法术位兑换成‘奥币’。”妮基塔耐心向他解释，“‘奥币’就是奥法银行的虚拟货币，仅用于衡量法术位的价值，与现实金银货币之间不存在固定汇率，具体来说1环法术位对应1奥币，2环法术位对应3奥币，3环法术位对应5奥币……以此类推，直到9环法术位对应17奥币，这么说你能理解吗？”
罗兰点了下头，“我明白，你接着说奥币与利息的关系。”
“常规借贷利息的算法是这样：把你借贷的法术位全部换算成奥币，每1奥币你需要每天支付银行利息1金币，由此可见借贷的法术位阶越高，支付的利息也就越高。”
罗兰连连点头：“原来如此，说白了就是将法术位货币化，那么接下来的问题是，你们的银行网络涵盖范围有多大？它是魔网的一部分，还是独立于魔网运作？”
妮基塔迟疑了一下，含糊道：“奥法银行网络其实跟魔网没有直接关系，这种网络只在银行和客户之间存在，可以快速完成存款与借贷流程并且记录在案，但它并不像魔网那样笼罩整个宇宙，集结我们远东灯塔所有传奇施法者之力也只能将网络辐射到周边数千里，如果我离开远东地界就没办法这样方便的储存和借贷法术位了。”
当她提到“所有传奇施法者”时眼神飘向一旁，显得有些心虚。仅凭传奇法师就能构架出模拟魔网的奥法网络吗？这个问题的真正答案她心里清楚，却不能说出口。
罗兰没有留意她的微妙神态，哈哈大笑：“原来是个局域网！”
“局域网？”妮基塔一脸茫然。
罗兰自知失言，连忙改口：“呃，打个比方而已，你不用在意，再跟我说说奥法银行的事，利率算法我知道了，那么还款期限是怎么规定的？”
“基本还贷期限为1个月，30天内无法还清本利会被奥法银行降低信用等级，并且利息翻倍计算，2个月无法还清本利将收到奥法银行发来的严重警告和催款单；倘若欠贷超过3个月……那就等着奥法银行雇佣的打手登门讨债吧，他们从不介意对债务人使用暴力。”
“随着你在奥法银行信用等级的提升，还贷的期限也会相应延长，倘若晋升为‘尊贵客户’，从生活到理财奥法银行都将为你提供体贴入微的服务；比‘尊贵客户’更进一层的就是银行股东，到这个层次基本都是传奇施法者，不仅能够享受最大借贷信用，更优惠的贷款利率，本身也将成为银行董事会的决策者，那就不单纯是钱的问题了。”
罗兰听得赞叹不已：“法爷的脑子就是比一般人好使，居然想出用法术位当虚拟货币进行金融投资的绝妙主意，俨然跑步进入资本主义的节奏。”
“你这人真奇怪，总说一些我听不懂的词，”妮基塔扁扁嘴表示小有不满，接着说：“其实奥法银行这种机构并不新鲜，只是远东地方太穷太偏僻才显得罕见，在帝国内陆有规模更大的奥法银行，特别是斐真侯国，那是法师的圣地，不光有私人经营的奥法银行，还有政府委托奥法协会督办的国家银行、城市银行、政策银行和主权投资基金，竞争很激烈，听说还有股票证券交易所、期权期货交易所之类，可以用奥币买卖证券和期货，有人因为一次成功的投机暴富，也有人一夜之间倾家荡产，真够刺激的。”
法师小姐绘声绘色描述着外面那个堕落腐朽的花花世界，眼中浮现向往之色，不禁令罗兰回想起商学院女生谈起华尔街时的神态。
“灯塔银行是远东地区唯一的奥法金融机构吗？”
“可惜并不是……”妮基塔的脸色阴沉下来，“事实上我们有一个死对头，也是最大的竞争对手，叫做暮光基金。”
“暮光基金……”罗兰曲起食指摩挲下巴，喃喃道：“听着有点耳熟，似乎跟‘奈落教团’有些瓜葛。”
“何止有瓜葛，根本就是奈落教团为销赃而设的‘白手套’。”妮基塔不屑的撇撇嘴，“这些家伙不干好事，迟早要把远东搞得天翻地覆。”
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