The Annals of the Flame Kingdom (WN)

Though they tend to be in bulk with 'loans', there are actually a wide variety of forms of bank loans. For example, in the case of capital funds, long-term working capital, etc., there are deed loans, in the case of short-term funds, bills loans, and current account loans that automatically lend when the account is a little short of balance.

I want you to think of buying a home if it's a little hard to understand.

Marriage, childbirth, or the charm of having a home or the fact that the rent payment seems silly for a variety of reasons, but I want you to think of me as wanting to buy my home. Depending on size and location, a home is generally a large purchase of more than 10 or 20 million. If I could buy Pong in cash, I would never have crossed it, but it was difficult during real life problems, and I think many people would go to the bank to discuss the funds. In doing so, many banks have one of the confirmations: 'Do you need a connection? There is an item called'.

As mentioned, a home is an expensive purchase, and it can take months from the start of construction to handover if you want to buy an entire house. The contractor who builds the house also has to pay his employees, and he still asks them to give him a little upfront... Two things will be famous: the decision to work on the construction, the start-up fee for purchasing materials, etc., and the intermediate fee to be paid at the upper building. It is easy to understand that the start-up fee should be paid in at the time the contract is exchanged, but the connection funds at the upper building are also things that combine the confirmation of the progress of the construction, and local confirmation is mandatory. It is also the source of what is commonly called 'when the roof is on'.

Mortgages that are real loans are ultra-long loans that are located in Zara for more than 10 or 20 years. It is common to be financed by "Deed Loans", but in the case of "Connections", it is common to be literally connected short-term funds up to real mortgages, and there are many forms of bill lending. In addition, the mortgage should be placed in a debit account on a payment date determined by the principle of monthly payment. If you don't forget each month, but you're too busy to transfer money, why don't you put a loan in the form of an overdraft on your account? It may be recommended that this is not solely for the purpose of selling sets. Regardless, there are aspects to it. A little out of line, but mortgages are sometimes called 'loans for young people to go through'. Because I can experience the three aforementioned forms of bank financing, and I can learn the basics of evaluating collateral prices for land and buildings, and I can also learn the mindset of the importance of local confirmation in "Once the roof is on".

I wrote a long time about bank loans, but deed loans, bills loans, and current loans are based on agreements called 'money-consuming loan agreements'. It is a contract to lend the money you consume... but if you borrow it, you can pay it back. What would be taken for granted, in fact, there is a 'loan' among the leading players in bank lending that does not have to be returned. It's a form of financing called "bill discount."

"Promissory Notes" and "Bills of Exchange" used when discounting bills are securities that are paid as consideration for goods and services and that are always paid at any bank on what day of the month. It is also a promise that if you return the back, 'you don't have to pay until how many days of the month'. However, in the actual management of companies, unforeseen circumstances and other things often prevent us from waiting until the due date of the promise. In that case, banks may be asked to "sell" bills. This is the loan called 'bill discount'. Deed loans and bills loans are money consumption contracts, but bills discounts are contracts of sale. The borrowed objects must be returned, but the sold objects can later be wild and mountainous.

... Well, the practical bill discount has a 'buy-back deal', and the 'originator' who issued the bill said 'I can't do it anymore! I can't pay!' If you say ', the person who asked for the discount can buy it back, and you have to pay to buy it back, so it is the same thing.

gossip, this bill discount is a little special among bank loans, but also a little special in the way it is vetted. Normally, whether it is a deed loan or a bill loan, it becomes important to say whether the borrower has the ability to repay it, but for the bill discount, it also becomes an important factor in terms of "whether the drawer of the bill has the ability to pay it". I'm sorry for the cluttered analogy, but if it's a bill from an automotive company like the one that originates in Japan and is common to the world, banks often buy it even if it's somewhat dangerous to run their own company. The loan gist is in recovery, but the payer's ability to settle is important only for discounts.

◇ ◆ ◇ ◆

"My lord!

Byrne! and after a moment of confusion about something at the door that opens up momentously, the man, who sees the lively look of the woman in front of him and shows him quietly, sighing like tired, encourages him to enter the room only with his eyes. The woman who noticed that gaze - whether as a daughter before the dowry or not - approached Zunzun and the clerk with a large crotch just to say, stretched out the fruitful double hills all the way to show them.

"My lord! From Larchia, the capital of King Flame, we have received a letter! I brought you that!

"... you delivered it on purpose, Flora. Thank you."

"No! Lord Rudolph's! Helpful! If you can stand!

"... what's up, Flora? You're doing pretty good today."

"Yes! Today! I'm fine!"

"... could you turn down the volume a little? My ear hurts."

"Yes!"

Flora Rotrigen stands with her pissy spine stretched with her sparkling gaze pointed at Rudolph, Chancellor of the Kingdom of Larchia, saying so. For the age of twenty, he is an aristocratic young lady with a sinister taste for men.

"Exciting! Exciting!

"... what?

Rudolph speaks questionable words about it in his mouth and talking excitedly. At that moment, the appearance of sloppiness is even a kind of smile as if it were a puppy angry with the owner.

"... well... don't you notice anything?

Oh, and Rudolph thinks. My wife said, "Hey, you? I'm a little different today, don't you think? 'It's the usual array, they say. After thirty years of citing the Chinese Candlestick, Rudolph, so to speak, fought out on the battlefield called Home, can be proud of people - whether or not he has experience.

"... Oh, did you cut your hair? It suits you well -"

"I'm not hanging up! Finally, I haven't even replaced yesterday and my hair!

- Well, it's a different story whether or not you can live with it, even if you have experience. After a facetious, awkward look on his face, Rudolph had one cohon and a cough.

"... so to speak, its fuzzy -"

"I've had it for a long time! Oh, but it's not old fashioned or anything! Or I've shown it to your Excellency, these clothes!

"- but I was just trying to say you look good. I know. Shoes, right?

"This shoe was bought by His Excellency for his birthday celebration last year! Me, I was so happy I couldn't sleep at night! It's terrible to forget!

……

No words. Solemnly Rudolph responded by bowing his head to Flora, staring with tears. There aren't that many ways to deal with it if you piss a woman off. Apologize, apologize, or get grounded.

"I'm sorry, I don't know. Professor, can I ask you something?

"Oh, uh... you know, when you can honestly keep your head down, it's a little... oh, keep your head up!

To Flora's words heard from overhead, Rudolph looks at Flora with his head up, which he was lowering. With tears in his eyes, Rudolph continued his words, exhaling relievedly in his chest at Flora, who still looked like he had lowered his drinks just a little.

"So? What's going on?

"Oh, the... Oh, to His Excellency Ahim, right?

"Lord Ahim?

"Um, 'okay, Flora? It's been a long time since I've had a market with someone who' speaks up '. If you want to take Rudolph away from that wife, just shout it out'!

"... Lord Ahim"

"So! I'm shouting for now! What do you say, my lord!

"... speak up, I do say."

It is to insist hard. I'm not saying it's ineffective, but that's not the kind of thing that you should physically shout out.

"Hmm!

"Well, Lord Ahim must have taken charge of it. I mean, it's time for you to marry me, too. You must be twenty years old by now. Your father was moaning, right? Not one of the rumors floated on my daughter after all this time. You know how I feel when your father tells you that. It's filial enough to get married, isn't it?

"Why are you saying that! Do you mind, my lord! Even if I become a man's wife!

"Bless you, Flora"

Again, putting Flora out of consciousness to show with her mouth, Rudolph turned his attention to the letter that Flora had brought. Remove the paper knife from the second drawer of the desk and open the seal, carefully removing the note from the inside and passing through the eyes.

"... Hmm"

"Hey, my lord! Don't you think that attitude is terrible on boulders! Please, just a little more! Even I persevere when I persevere! And that's that and that letter, what does it say!

"Either get mad or ask"

"I'm listening angrily!

One sigh of cleverness. Rudolph twirled the letter at hand and handed it to Flora, who stood in front of him and rang.

"Do you mind? Even if I look."

"I don't mind."

Receive Rudolph's letter and look through. From reading the first few lines, Flora slowly raised her face.

"My lord!"

"What, noisy"

"Isn't this from Ayano?"

For a moment, he said, 'Did you bring it without even knowing who the letter was from?' and I'm about to complain, and I'll keep that word in my chest. From the mouth that opened again, another word leaked.

"... you, you know about the Virgin?

"Heh? You know... Your Excellency told you, right? Like taking care of Mr. Ayano. Are you messed up? But it's okay! You can also care for me, me!

Ayano was "summoned" to treat him - specifically Rudolph, who was old enough to know nothing about the world "over here". Regardless, I never thought of anything noisy like slapping him, but still living in my own house... Rudolph himself, anyway, had some resistance to providing a home where his unmarried son also lived. Around the dowry's daughter, avoiding what seemed to be, not what was, but what seemed to be, an idea similar to the fact that Hota, summoned by the Kingdom of Flame, was expelled on the grounds that 'Her Majesty would be in trouble if considered second-hand'. I didn't ask Flora to let me live alone because I was close to my age and she asked me not to.

"... I'm not bogged down. Well, I admit it was a bad way to ask. Admittedly... I told you to treat me like I'm a guest."

At least, I don't remember Rudolph ordering me to be 'close enough to call my name'. To Rudolph's words, Flora smiled and showed them.

"Because Mr. Ayano is my master!

"... well. I don't even remember telling you to disciple."

"Because I had something to go through!

"... things that go through?

"It's what I keep thinking of my first love!

……

"Mr. Ayano's been feeling lonely, too! I feel good already! We soon became friends, us!

"... right"

"That's where I react to 'loneliness', my lord!

"Hustle"

Whether it be Flora or Ayano, you are either a 'militant', and there are places where you don't choose the means for whomever you like. I guess I felt like it too - what a shameful imagination, sigh. This topic predominantly determined that he would not be happy, and Rudolph urged Flora to continue reading just by gazing.

"... what do you say?

"That's how you scorn me... well, it happens all the time... uh... no matter what they say..."

After glancing at her once, Flora blinked two or three times and ran her eyes through the letter again, then looked pitifully at Rudolph.

"... I don't really know what that means. Uh... Huh? What is it, this? There are all kinds of diagrams that say underwriters and payers..."

Rudolph laughs and shows Flora his wretched face as he flirts with the letter in his hand.

"I'm talking about business."

◇ ◆ ◇ ◆ ◇

"We've reached Terra. Now, please explain, Mr. Ayano!

"Don't wait any longer, Sonia. We finally got to Terra, didn't we? Here, a little slower -"

"Is this for you, Coata? It's a waste of time. Come on, come on!

The carriage journey is convenient for three days. The Duke of Rondo de Terra Mansion - Sonia bubbles and rolls up at the edge of her mouth watching Ayano get out of the carriage lying on the sidelines in front of Erica's residence, um stretching her back and pounding her spine roughly like a lady. "May fly," Ayano murmured small at Sonia like that, pushing open the front door with her bags packed in her own bags.

"Mr. Ayano!

"Oh, already! Because I get it! Damn, I mean it too seriously when it comes to Coata..."

He shook his head and showed it to him, Ayano walked down the hall leading from the entrance hall and pushed open the door of the reception room visible opposite him. Running his eyes at the reception set he had placed about his brother-in-law, he sat next to it when he placed his bag on a relaxed two-seater couch and turned his gaze to Sonia, who came with his back.

"Sit down for now, Sonja. There are stories that you can't just stand there."

"... ok"

With just a little dissatisfaction, he lowers his hips to the chair in front of Ayano and Sonia lowers her hips as did Ayano.

"Come on!"

"... I mean it too seriously a little hicky"

"I don't mind if Mr. Ayano hits me. Please tell me quickly!

Ayano frowns at Sonia, who leaks her breath through her nose like she's in trouble. I want to sympathize with Ayano, but even Sonia has a point. "I have an idea that could help Kota? Despite what I said, he kept teasing me for two days when I got to Terra to learn more. Come on, it's also the limit of patience.

"Well it seems impossible to say not so hastily...... All right, all right. Because I'll tell you."

That said, Ayano takes his seat and walks over to the desk in the deepest part of the room, grabs the paper and pen on the desk and returns to the reception set. Ayano took a seat, smiling bitterly at Sonia as she embarked on her journey.

"Come on!"

He said, "Okay. Now, before the bill of exchange... Sonia... or the bill to this world... the concept of a 'commercial bill', do you have one?

Sonia responds to Ayano's question by shaking her neck from left to right. He nodded small at Sonia like that, and Ayano continued his words.

"Commercial bills are written documents that say, 'How soon will I pay you?' In our world, we spend it to pay the price."

"A borrowing letter, isn't it?

"Technically, no. But, well, as an image, we're together, right? The point is, securities that defer the price."

Send Sonia a line of sight to confirm. Based on Sonia's nodding that she understood, Ayano twirled the pen in her hand to show it.

"For example, I bought a cosmetic set from Sonia... well, I'll assume you bought it with a piece of white gold. But I don't have a single piece of white gold cash on hand right now. But thirty days later, two pieces of white gold, the price of a full course of Japanese cuisine that Kota fed him, are scheduled to come in."

"Japanese food, what? Or did I behave hand-cooked to Master Coata...?

"... won't you eat it there? For example, analogy. As a result of discussions between me and Sonia, I agreed to issue Sonia a note saying that I would pay her one white gold coin in thirty days - just to be clear, because I have about one white gold coin, too, right?

"I understand. Let's go to Analogy, shall we?

"Continue then. Sonia received a bill for a piece of white gold from me, and thirty days later, she successfully collected a piece of white gold from me."

Ayano slaps his hand with bread when he says "congratulations".

"Ma, the truth is, it gets a little more complicated because of the involvement of a third party called 'bank', but this is what the image looks like. This is what they call a promissory note."

"Promises, bills…"

"So, here's the real deal. The promissory note was just for the two of us, Sonja, but there's another kind of bill. That's the bill of exchange."

Talking that far, Ayano writes "Hota", "Ayano" and "Sonia" on the paper with the pen he brought.

"This is me who bought the cosmetics from Sonia and asked for the price after thirty days...... Hate and Sonia also had plans to pay for the treats after ten days"

"... I don't eat a single piece of white gold."

"Example, example. As far as I'm concerned I don't have the cash on hand, I just have to put up with cosmetics. But I really want it! So I think. Yes, let Kota pay for it! and"

"... to Master Coata?

"Because I have a price for Japanese food. Suddenly, Kota can't have two white coins, but if it's one, I can do something about it, so I will issue a" bill of exchange "that will pay Kota as payer and Sonia as payee for one white coin in ten days"

Ayano sent a gaze to Sonia, adding that the issuer next to the letter "Ayano" written on the paper, the payer next to "Hota" and the "recipient" next to Sonia.

"I actually have a name for the originator, a celebrity, an instructor... Here's the deal. Sonia, who got this bill, can get a piece of white gold from Kota in 10 days."

"... ha"

One bitter laugh at Sonia for the indescribable look on her face.

"Well, Sonia. In this' bill of exchange ', when Sonia wants to make sure she receives the price...... what the hell, should' who 'pay for it?

"I don't care who you say...... why don't we sit down with Master Courta?

"Right? I bought it from Sonia, but it's Kota who pays for it. This is the bill of exchange."

Ayano glances at Sonia's complexion so that she can wait to understand. After a lot of silence, Sonia slapped Pong and one hand to show.

"The promissory note was about me and Ayano, the" deal "between the two of us, but the bill of exchange was about three people, including Kota, right? Even though there was no deal between me and Cotta, Cotta said I could pay for it."

Does it fit? Ayano responds by applauding Sonia for asking. Sonia turned away just a little embarrassed by the applause.

"Please quit, I'm ashamed"

"No, excellent. For the hand... I mean the bill of exchange," for ", but even the banker who should be in office at first becomes" fitting ". It's amazing to understand in one go."

"... Really?

"At least Kota was a mess."

In modern Japan, many of the bills in circulation in Japan are "promissory notes". Sometimes even bankers only look at bills of exchange a few times a year because they rarely get into circulation. I don't know if I can get used to it, but the truth is that I've never seen it before.

"I know who's going to get it, but it's hard to explain it from scratch."

That being said, Ayano once again runs his gaze on the paper on his desk, just at the end of the futility story.

"Now, here's the story of the 'luggage exchange business'. Sonia, when do you normally buy or sell, you settle for goods and money?

"After you get the goods extradited, right? There are also handovers, etc., generally."

"Right? I mean... well, we'll stop by the place, but even if we can make a port at the corner of Terra, it won't take long for the bill to come back to Terra's merchant, as long as the package arrives at the other party after we leave the port and make a proper settlement?

"That's... that's right"

Ayano continued his words with a full grin at Sonia, who nodded and showed.

"Luggage exchange is a way to lose the time lag there. In this diagram, Sonia will issue bills of exchange at the same time as she transports her luggage by sea. The payer, naturally, is the person who buys the goods, that is, me?

"I'm the one issuing the bill of exchange, and Ayano's the one paying the price, right? So who's going to pay for it? Dear Coata?"

"If Hauta gets it, Hauta, you'll make a whole lot of money. No, it's Sonia. Sonia issues a bill of exchange to herself as the person she receives the money from."

"Uh... Huh?

Sonia twists her neck to explain Ayano. With her twisted neck intact, Sonia expressed her doubts.

"That's... the interaction between the two of us, right? How is it different from promissory notes?

"The promissory note will be issued by the person who pays the price. Now, I'm going to issue it, right? Does Sonia have the bill of lading with her when she sends the product? Or none?"

"... nothing, right?"

"Right? I'll issue promissory notes after the merchandise arrives. But if it's a bill of exchange? It's Sonia who issues it, and Sonia who receives it. I'm the one who pays, right? Now, at the stage of transporting the goods, who has the bills at hand?

"... is at my disposal"

"That's what you're saying. Well, this is Sonia who issued the bill of exchange, but it won't be money as it is. That's right, isn't it? I said, 'I'll pay!' I didn't sign it. In the end, to be money, you cross the ocean and mountain... I don't know if you'll cross it, but you can't dare reach me and I'll say, 'I'll pay! It doesn't make sense if you don't say'. But I want the cash right now. Well, what do we do?

"I don't care what they say..."

"Thinking ter...... ok. Don't look so scared? You're telling me not to pull, aren't you? No more! You can play for a little while."

"... Mr. Ayano?

"Okay ~"

One shoulder in Sonia's jito eyes.

"That bill, don't you think you should sell it?

Like nothing, Ayano said so and showed it. For a moment, Sonia looked pokant and showed it, but after that brain cell showed normal working, she reluctantly spoke out.

"Ugh... huh? Huh? So you mean a sale? No, Mr. Ayano? Even if I called it a sale, I don't know if I can find a buyer that easy."

"Buyer is Kota"

"- Mr. Coata?

"Terra territory, to be exact. Incorporate Terra territory as one of the payment systems. Merchants can get cash as soon as possible at the same time as transportation, and the Terra Territory subtracts the fees when buying… We will be thinking about how much, so we will get some fees to buy them. I'll pay the commission, but the Chamber of Commerce will be able to cash in immediately, happy, and Terra will get the commission and happy. We're all happy, aren't we?

Saying so like nothing, Ayano twirls his pen and spins it at hand.

"I'll get it together. When the Chamber of Commerce exporting from Terra issues a Bill of Exchange, we discount it - it's hard to understand. of" Buy It Out ". Send a bill of exchange with your luggage, at the stage where the person buying the item says' I will pay 'the bill of exchange, give the item"

"... I'll pay, what if I don't say?

"I won't give you the product"

"So... everyone, when you say, 'Don't pay', Terra territory will be stocked with merchandise, right?

"Tsubaki. Sonia's right, 'I won't pay' makes me in trouble, Terra is. When you do, you can only sell ahead of 'pay the price right', right?

"Right. As we were told in the carriage the other day."

"I said another one in the carriage, didn't I?" Letter of Credit Business. "

"... Yep"

"'This guy will pay for it for sure! Let me ask you to issue a letter of credit.

Ayano smiles at Sonia. 'You already know that, don't you? Sensitive to that word,' Sonia utters it.

"... to whom, is it?

So this is a confirmation. One bitter laugh at Sonia like that.

"I don't like the way you're asking right now. I'm not asking questions, I'm confirming. Hola!"

Something that me and Sonia have, and the Kota's don't have, and.

"... I am the princess of Solvania. Mr. Ayano is the Virgin of Larchia"

"You don't need syncing time, do you? Then give me an answer."

Show Ayano, who smiles like he's excited, that Sonia smiles as well.

"- Pipes to extra countries, other than the kingdom of Flame, right?

With a full smile on Sonia's words.

"Whatever the big chamber of commerce is, the Kota people in" foreign countries "don't know if the small chamber of commerce in the small town is really okay to do business with, right?

"But... we have a definite handout for 'foreign countries'. It is possible to purchase information about small chambers of commerce in small towns."

"I have trouble getting you to activate power, but to the lord of that city, I said, 'What's this chamber of commerce like?' You'll hear about it, won't you? Being King of Solvania... or Mr. Rudolph."

"If you don't ask directly or indirectly, there will be no shortage of dealings with major chambers of commerce in any chamber of commerce, and you can probably find out from there."

"That's how the Kingdom of Solvania and the Kingdom of Larchia ask the Chamber of Commerce, which thought it was' okay 'with the information they examined, to issue a letter of credit. If you can't pay, you'll get a letter with" credit "that says the kingdom will be replaced, right? And the buyer of the goods as a thank you for issuing the letter of credit"

"Pay the commission. Solvania and Larchia both moisturize, right?

"Do you say no, King of Solvania?

"Because your father loves making money. Probably not. Later... Right, until you pay the issuance fee, the buyer will issue a letter of credit or..."

"You might say no at first, but with some penetration, the seller will want a letter of credit. Terra may say, 'If I don't have a letter of credit, I won't buy out the bill'. If you want cash, you ask the seller to issue a letter of credit, right?

"You're going to strain the buyer, aren't you?

"I'm sorry? Because I'm not as nice as Kota."

- I didn't know you were happy.

"Only 'we' have to moisturize. Kota, Erica, Emily, Sonia, Theon and... anyway, if I know, 'Someone I Like' is happy, so, huh?

"... I agree, for that thought. I'd love to have fun with you, too. For a lot of dating, I have more people than Ayano who want me to fit in with 'happiness'."

That's what I said, the two of us hang out.

"- Somehow, Mr. Ayano looks more like a demon king than Master Korta."

Sonia's a little devil.

"... you still look alike, us"

"Right? It looks a lot like us."

That said, distort the edge of your mouth again from either side.

"... buying and selling information, that might be a good idea. Even if you list enough company information to issue a Letter of Credit and sell it. If the country has information on the chamber of commerce that pushes the heartbeat, many will want it. Wouldn't that be a good amount of money?

"Is the corporate credit check company a little early? There is no guarantee that today's rough Chamber of Commerce will still be rough tomorrow, and there are no personnel to put it on. Freshness is life, information."

"… is there already a Chamber of Commerce that said so? In the world where Mr. Ayano and Mr. Coata lived."

"I do. Thanks a lot for your help, too."

"... I don't know what to say... that's amazing, the 'width' of business"

"Because it's a country that even makes Tundele a business."

Ayano puts the pen on the table, saying so like it's nothing.

"... what is it?

Then I saw Sonia with a remorseful look ahead of her casual gaze up.

"... Again, you're still a 'little' demon, such as me"

"No, I think it would be amazing if the idea went to a corporate credit check company in such a short amount of time?

"But Mr. Ayano was already known"

"Well... but I was knowledgeable? It's better to think of something."

"Let's sit in the same way you don't have useful thoughts, etc.?

"Well... maybe that's... but he's a little devil, isn't he? Fine, even the same 'ko' says it's a hundred times better than a raccoon. She's cute."

"I don't want Courta to be adorable."

That's what I said, take a seat.

"- I want to stand alongside Master Kota. I want it to be a relationship that I can count on and depend on. I just want you to protect me, to teach me, to guide me... and I don't want to be a foot wrapper."

Talk so much, laugh so little, make it look good.

"... 'Now' gives way to Mr. Ayano"

……

"but... someday, I will always be in that position"

"... which position?

"'What do you think,' he said, in a position for you to hear."

Then I will send my father a letter of credit about the earlier letter, and gracefully pick both ends of the skirt. Grab the bag you put on the couch and walk to the door.

"- You can't lose, me."

It's like a throwaway dialogue. That's what I said with my back turned, and Sonia disappeared from the reception room.

"... you don't look good enough anymore. Like this, losing tokoro or something."

Ayano sinks herself into the couch so that she can drop Sonia off and weaken herself. Exhale slowly, shake your neck sideways, for Christ's sake.

"- Superior. You won't lose, neither will I."

Ayano's face, who said so, had the grin of "The Demon King".