第516章：合伙人
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柳博芙微微颔首，有所明悟。龙腾小说ltxs520.com
“信用证对买卖双方的好处我懂了，但是这种支付模式实际上是让银行为交易作保，承担连带风险，那么银行为了避免风险，就需要开证者缴纳全额货款作为保证金对不对？”
罗兰先点了下头，接着又曳：“理论上是这样没错，但是现实中如果对方与你的银行有业务往来，知根知底，只缴纳部分保证金也是可以的，这个问题可以灵活处理，归根结底还是要看你如何评价对方的信用等级。”
喝口酒润润喉咙，他接着说：“我们来打个比方好了，假设我跟扬波家族银行之前没有业务往来，你可不可以给我开信用证？”
“只要交足保证金，当然没有问题。”
“然而我手头没有足够的现金。”
“存款有吗？”
“存款有，然而已经取出放高利贷了，放贷利息比存银行高得多，提前收贷我将蒙受损失，这是不可以接受的，还有别的办法吗？”
“你这个无赖到底有完没完？”维克托莉亚忍无可忍，气得跳了起来，“你有钱宁可放高利贷也不想交保证金，简直道德败坏t你来说占不到便宜就是吃亏对吧？”
罗兰一巴掌按的头，强行将她按回座椅，淡淡道：“你不懂，少插嘴。”
维克托莉亚气得牙根发痒，当着姐姐的面也不好对罗兰大打出手，只好向柳博芙投去求助的眼神，期待姐姐开口怒斥罗兰得寸进尺，替自己出口恶气。
柳博芙没有如她所愿对罗兰这近乎无赖的索求进行道德批判，柳眉微蹙陷入沉思。
这不能怪她无动于衷，毕竟她从事的行业远比妹妹更复杂，充满了勾心斗角尔虞我诈。金融机构的大客户，也包括银行家本身，不敢说全部，至少有一半是又奸又滑贪得无厌的恶棍，说他们是“道德真空”一点都不过分。罗兰再三提出貌似非分的要求实际上是在模仿将来有可能遭遇的难缠客户，难道因为对方难缠就不做生意了？维克托莉亚可以任性，柳博芙却不能率性而为。
沉吟须臾，她抬头望向罗兰：“你有珠宝、债券或者店铺、土地之类不动产吗？”
“当然有。”这次罗兰终于做出肯定的答复。
柳博芙露出释然的笑容：“那就没问题，有这些资产做抵押，照样可以为你开立信用证。”
罗兰也笑了，“还记得昨天在本德交易会票据大厅我对你说的那些话吗？假如有了信用证，贸易活动获得银行提供的信用担保，哪怕两个素不相识的人也可以毫无顾虑的进行大宗交易，不必在意对方出身于某某家族，谁是他的父亲，谁又是他的岳父。”
柳博芙琢磨罗兰的话，越发觉得“信用证”这种金融工具妙用无穷，心情复杂的感慨道：“这么简单的办法，为何我没有想到罗兰，知道我现在想干什么吗？如果你不是贝奥武甫和娜塔莎夫妇的好友，不是命运女神的选民，不是鲁道夫将军之子，我真想把你打昏，然后请一位高阶吟游诗人来施展‘篡改记忆’，抹掉你刚才那段记忆，抢在你恢复意识之前注册这项专利。”
维克托莉亚大惊失色：“柳芭，你不会是认真的吧？”
柳博芙噗嗤乐了，摸摸她的头柔声道：“傻孩子，姐姐当然是在开玩笑。”
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