第1372章：国家迷锁化（Ⅱ）
最新网址：m.ltxsdz.com
“这就是问题所在了，安德烈先生，迷锁的建设成本高昂是事实，但是你们没有必要执着于一次性收回全部工程款，不拿到全部的工程款就不能开工吗？”
罗兰的质问使安德烈感到好气又好笑，“一手交钱一手交货是做生意的基本原则，这有什么错？我们可不是街头的小商铺，不搞赊账那一套。最新地址ltxsba.xyz”
“然而‘一手交钱一手交货’并不是什么蕴含真理的商业原则，事实上这不过是野蛮时代的遗风而已，排除法师们莫名其妙的自尊心，我看不出迷锁工程有什么理由拒绝赊账。”
发觉安德烈眉头拧了起来，罗兰笑着摆摆手，“您先别生气，咱们不谈赊账，换一种说法您或许就能接受了。”
“什么说法？”安德烈没好气地追问。
“分期付款。”罗兰似笑非笑地说。
“分期付款……”安德烈轻轻抚摸光头，“我听柯西金说起过这个词组，是不是跟银行贷款有关？”
罗兰点了下头，“比方说我要在寇拉斯岛建设迷锁，工程造价预计300万金塔勒，但是我手里只有50万现款，付不起工程款怎么办？这时候如果一家银行向我伸出援手，同意以分期付款的方式协助我建设迷锁，问题就容易解决了，我可以先将50万金塔勒作为首付款交给您，其余不足的工程款则由银行代我补足，您拿到钱就开工，而我欠银行的钱则以寇拉斯岛迷锁作为抵押，分成若干年分期偿付，这样一来您、我、银行三方皆大欢喜。”
“你先等等！”安德烈抬手打断罗兰的话茬，“你得到了迷锁，我拿到了全部的工程款，你我是皆大欢喜了，可是银行凭什么要借钱给你？”
“首先当然是因为我的财务状况良好，能够赢得银行的信任，其次是因为我会在分期归还本金的同时额外支付银行一笔贷款利息，就算万一我将来无力归还贷款，银行还可以收走我的抵押物——寇拉斯岛迷锁的所有权——作为补偿。”罗兰从容不迫地回答。
“哦……我明白了，所谓的分期付款，其实就是预支未来的收入以满足现在的消费需要，你额外支付给银行的利息就是为超前消费所付出的代价。”安德烈恍然道。
罗兰不由肃然起敬，安德烈三言两语就道出了“分期付款”的本质——利息是对时间的定价，传奇大法师的智力恐怖如斯！
他向安德烈推荐以“分期付款”的方式刺激迷锁的需求市场，实际上是借用了地球上房地产行业的经验。“分期付款”这根金融杠杆的确很好用，但是稍有不慎就会被滥用，演变成一种投机工具。罗兰不希望远东也出现地球上那样的投机狂潮，所以在安德烈还在犹豫要不要接受“分期付款”这一商业模式的时候，又抛出一个新的思路。
“安德烈先生，如果您不想接受银行作为第三方介入我们之间的生意，我这里还有一个备选的方案。”
“说说看。”安德烈来了兴趣。
“我可以用‘特许经营权’替代部分现金作为工程款项。”
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