God of Technology: Creating the Internet in Another World Chapter 343: Why Lend When You Can Profit?

The next day.

City of Gold.

The bond trading market next to the stock trading market next to Dragon Bank—for the first ti since it was established a few days ago, it saw a large number of people.

9 o’clock.

The mont the doors opened, a huge crowd rushed in.

Under the lobby manager’s guidance, those wanting to purchase or learn about bonds continued waiting in line on the first floor, while those wanting to issue bonds went up to the second floor for detailed discussions.

The threshold for bond issuance was actually easier compared to going public. Quite a few people ca with a "let’s give it a try" attitude, which made things pretty lively.

"Dragon Bank next door has a 5% annual interest rate, and the dragons promised there’s no risk at all. This Dawn Southern Developnt Company has risk, and the one-year term is only 5.5%. Isn’t that too little?"

At the front of a line, a small rchant looked at the information the staff mber showed, sowhat conflicted. "Plus, you have to buy at least 10 gold coins worth at a ti. Why is there even this kind of restriction?"

The staff here had all been selected from various Dragon Bank branches, then trained at Dragon Bank headquarters and the Dragon Stock Exchange, and afterwards received professional training specifically for the Dragon Bond Exchange. They could be said to have this information down pat and knew how to talk to custors.

"Bonds are fundantally different from deposits and stocks. We’re more like providing a platform for borrowing and lending. These annual interest rates are all calculated based on risk. If you think the Dawn Southern Developnt Company’s one-year term annual interest is too low, you can consider the five-year term, or consider this bond."

As the agent spoke, they pulled up a bond called "Church of Gardens." "The Church of Gardens is a small to dium church in the Gray Fort Empire that believes in the God of Gardens. They want to borrow 3 million gold coins to reach so kind of cooperation with Viscount Roster."

"After our assessnt, we’ve set the annual interest for a one-year term at 7%."

"Among all the bonds, it’s one of the highest one-year term interests..."

"But on the stock side, a lot of people can multiply their money dozens of tis in a few days. They’re both the dragons’ industries, isn’t this gap too big? You can’t play favorites, right?" The person was still sowhat unwilling to give up.

The agent wasn’t surprised at all by these words and wore a formulaic smile. "You can carefully read the stock trading related terms. Stock trading has extrely high risk. Maybe you can see a stock multiply dozens of tis in a few days, but you also have to face stocks that drop to not even a fraction in a few days."

"But our bonds are different. Although our bonds have risk, after our assessnt, they’re all dium to low risk. Plus, when applying for bonds, they need to provide asset docunts as collateral."

"In other words, even if the company whose bonds you purchased goes bankrupt, our dragon ladies and gentlen will help us recover the collateral and convert it to money. You won’t lose much. The overall risk can’t be compared."

"Also, since you ntioned the dragons’ industries—Dragon Bank says it’s low risk, but actually it’s basically no risk, because the dragons control the most wealth in this world. Unless the dragons’ wealth disappears, otherwise your capital and your interest are all guaranteed. Of course, precisely because of this, Dragon Bank’s risk is the smallest."

"From what you’re saying, bond interest is determined by risk? After you assess them, the higher the risk, the higher the interest they need to pay? dium risk is actually just a general term?" Listening to the agent’s introduction, the small rchant’s expression remained conflicted.

"Yes, for example, you can look at this. The largest empire within human territory, the Gray Fort Empire—they ca here yesterday to apply to issue governnt bonds. We’ve already passed the review."

The agent quickly pulled up another bond’s information.

Gray Fort Empire Rail Transit Governnt Bonds, issuer: Gray Fort Empire Treasury. "1-year term, 10 million gold coins, 5.2% annual interest," "3-year term, 50 million gold coins, 5.8% annual interest," "5-year term, 50 million gold coins, 6.2% annual interest," "10-year term, 100 million gold coins, 6.8% annual interest."

"According to the Gray Fort Empire’s statent, the Gray Fort Empire will build a large number of those rail transit systems invented by Roster Territory throughout Gray Fort territory. Currently they plan to borrow over 200 million gold coins as part of their startup capital, with an annual interest of only 5.2%."

The agent waited briefly, confirming that this small rchant had finished reading the general information, before explaining: "According to our assessnt, the Gray Fort Empire’s default risk is extrely low. On one hand, they possess humanity’s most powerful violent organization. On the other hand, this project’s partner is the Kingdom of Dawn, the second strongest nation."

"Plus, the project’s core is a product of the Church of Technology under the God of Technology, and Viscount Roster is very likely to be involved."

"Finally, according to our analysis, this project will greatly promote the Gray Fort Empire’s economic developnt. This project has extre value and will give the Gray Fort Empire more profit thods, enough to afford this portion of loans and interest. That’s why we gave this assessnt."

The agent explained eloquently.

From their mouth, a very fair, open, and transparent model was displayed to perfection.

"How about it? Sir, do you have any other questions? If you want to subscribe, I can help you subscribe here. Of course, you can also operate yourself using the Magic Net. The operation thod isn’t difficult. Look..."

Only then did the small rchant snap back to attention. "Sorry, I’ll operate it myself."

The small rchant stood up and quickly walked to the side. The person behind him quickly stepped forward and began asking about their own doubts regarding bonds and purchasing bonds.

But this small rchant didn’t hesitate at all. He left the Dragon Bond Exchange directly, went straight back to the inn, packed up all his things, and headed straight for the Gray Fort Empire.

He had so capital in hand that he’d originally planned to invest in stocks, but yesterday’s Wool Guild incident had made him sowhat panicked. He only went to the bond trading market to give it a try.

To see if he could find sowhere for his capital to go.

As a professional rchant, he liked doing things with more certainty.

But upon hearing that the Gray Fort Empire was actually planning to borrow over 200 million gold coins to build a nationwide rail transit market, his original plan instantly vanished. Stocks, bonds, deposits—they could all go to hell!

One had too much risk, one had interest too low, one was just a piggy bank. Comparatively, what he was more bullish on was still his own business ability and business skills.

The Gray Fort Empire making such big moves—didn’t that an there were huge opportunities there?

If he could grasp even the tiniest bit of it, he’d make a fortune. Compared to these current options, it would be way better.

The Gray Fort Emperor probably never imagined there would be this kind of side effect...