Imagine the world

Chapter 603 Epilogue II: Huanxiang Coin

Shortly after Rothschild's departure, a group of financial consortia established a Xinxiang United Bank.

The bank's holding parent company is a professional investment company located in XX City, the United States, so it is called Xinxiang United Bank.However, its own registered place is located in the Mancay Islands, but its business organization is located in Brussels, Belly.

The key business of Xinxiang Hezhong Bank after its establishment is the digital Huanxiang currency.

The digital Huanxiang coin is essentially a delivery voucher, but it has typical currency characteristics, and its credit is guaranteed by pure gold physical coins and Chunrong Dan.

The issuer Huanxiang Industrial Bank does not pay interest on the Huanxiang coins that everyone owns in their digital accounts, and only promises that they can be exchanged for gold coins.

Xinxiang Hezhong Bank has launched the deposit and loan business of Huanxiang Coin, which equates Huanxiang Coin with currency.

The holder transfers the digital Huanxiang currency on his own account to the account of Xinxiang Hezhong Bank, which is equivalent to a deposit.

新乡银行是为存款付息的，起初基准年息是0.5%，后来逐渐提高到1%、1.25%……直至2047年6月提到高2.5%。

There are two reasons for continuously raising interest rates. One is to expand the scale of assets and attract holders to transfer digital Huanxiang coins to the bank. The other is to compete with similar institutions.

Xinxiang Bank was the first financial institution to develop this business. It has the most sensitive sense of smell and the fastest action. Then other financial institutions followed suit, but Xinxiang Bank has already achieved a great first-mover advantage.

The bank's shareholder capital injection is 30 billion Silla, and in order to supplement liquidity, it also issued a total of 40 Huanxiang coins of first-level bonds.

By June 2047, the assets under its management had exceeded 6 million Huanxiang coins, accounting for more than 1000% of the total Huanxiang coins in circulation in the international market.If calculated at the instant exchange rate, these Huanxiang coins are equivalent to 40 billion Silla dollars.

In the international financial market, 500 billion Xinluo is not an extremely large number, but if it is used to run a private bank, no one can stand it!
What's more, these assets are Huanxiang coins, which can be sold to Huanxiang Industrial Bank for gold!
Xinxiang Bank injected capital in the name of 30 billion Xinluo, but leveraged a huge asset of more than 1000 million Huanxiang coins. This is only a very common leverage on the surface.

Theoretically, the bank's deposit interest expense mainly comes from the interest income of loans extended to the outside world.Therefore, one of the key businesses of Xinxiang Bank is to provide Huanxiang Coin financing to the outside world, which has made a great contribution to the development of the Huanxiang Coin circulation market.

Rothschild is not the largest shareholder of Xinxiang Bank. Among a group of sharks, his investment volume is only a middle shark, but he is the core figure in the operation of this bank.

The reason why Xinxiang Bank's business can be carried out so smoothly is that people know the special relationship between him and Lord Feng Zibin for many years.

Xinxiang Bank has done a good job in risk control, with stable operation and excellent performance.On the other hand, shareholders' risk control is better, and assets are safe.

The so-called "risk control of shareholders" and "risk control of banks" are two different things.

The core of "bank risk control" is the safety of the bank's own assets, and try to avoid the bank's operating losses or even bankruptcy.

The core of "shareholder risk control" mainly means that even if the bank goes bankrupt, shareholders will not have substantial losses.

Part of the bank's external loans is to provide financing for the projects of shareholders, and the total amount has already exceeded 30 billion Silla shareholders' capital injection.

In the event of a bank failure, these loans may not be recovered.

Of course, these are just in case. As long as nothing happens to Huanxiangbi, or Huanxiang Industrial doesn't overturn the table, the bank's assets will be safe.

The reason for introducing these is just to explain that the more than 1000 million Huanxiang coins controlled by these people through the establishment of Xinxiang Bank were not purchased with their own funds.

Its main source is the assets of depositors, and Rothschild and others did not even pay a penny for it, and made a lot of money from it.

Of course, Hua Zhenxing has all this information.

Huazhenxing’s main source of information is not Rochester, and Huanxiangguo’s intelligence department is not a vegetarian, let alone the background of the current president, Wang Fengshou.

In addition to the Huanxiang country's intelligence agencies, there are also a large number of Yangyuangu disciples, and an even larger number of members of the Yangyuanshu Association scattered around the world. They can build an intelligence network.

For Rothschild, it was enough for him to have a secret meeting with Huazhenxing to remind Huazhenxing what was going to happen.

By the second quarter of 2047, the latest information showed that Xinxiang Hezhong Bank was withdrawing the external Huanxiangcoin loans in batches, and kept them in the account, with a total of more than 1000 million Huanxiangcoins.

Fortunately, Huanxiang Coin is not the only payment method for Chunrong Dan’s payment. Countries can also pay in Dongguo currency or Xinluo Yuan. Otherwise, such a move will cause the liquidity of Huanxiang Coin to be tightened and Chunrongdan’s payment for goods will be difficult. .

Xinxiang Bank retains a large number of Huanxiang coins and no longer lends to the outside world, and has raised interest rates. What does this mean?Obviously there will be big moves!

On the bright side, the emergence of Xinxiang Hezhong Bank makes holders willing to deposit Huanxiang coins in the bank, which greatly reduces and resolves the pressure on the issuer to redeem gold coins.

But to change the way of thinking, what if the run is the Xinxiang United Bank?This is Rothschild's prophecy back then!So Tang Senzhi, Hai Lanzhu and others have been waiting, and today they finally got their boots on the ground.

At noon that day, a group of more than ten people came to the business department of the head office of Huanxiang Industrial Bank in Port Fiso, led by a woman with short blond hair.

Her name is Suo Luolun, and she is the executive director of Xinxiang United Bank and the representative of the controlling shareholder.Accompanying him were not only bank senior staff, but also legal counsel and journalists from several media platforms.

Sauron came to the gold coin exchange counter like an ordinary customer.

On the left side of the lobby of the head office's business department, there is a separate area that is the exchange window for physical gold coins, which are usually used for small-amount exchanges for tourists from all over the world.The scale exchange of more than [-] pieces is also designated here.

Suo Luolun is over 60 years old this year, but he is described as only about [-] years old. It is not because he has achieved success in cultivation, but because he has eaten too much Chunrong Dan.

According to the judgment of Hua Zhenxing, the security guard on duty in the lobby, this person should have taken nine boxes of Chunrong Dan.

Although Chun Rong Dan can be taken by ordinary people, there is also a dose limit.Take no more than three boxes at the same time, and take no more than nine boxes in total.

So in theory, the fastest way to take it is to get nine boxes and take it in three years. That's how Soloren should be taken.

Nine boxes of Chunrong Pills are very valuable, and one person can get nine boxes of Chunrong Pills, which is even more enviable!

She arrived at Rothschild Airport yesterday. As soon as she entered the country, Huazhenxing got the news that all the arrangements had been made, and all the relevant people were waiting quietly.

Sauron came to the counter and told the teller to exchange for gold coins.The teller politely asked how many coins she wanted to exchange?Sauron replied blankly: "1000 million pieces."

The teller on duty was a girl in her early twenties, named Tang Wenwan, who was an international student at Mowang University in Jiliguo.

Tang Wenwan just graduated with a bachelor's degree last year, and she is already a second-level Yuanyuan teacher, and she is assigned to work in the sales department of Huanxiang Industrial Bank's head office.According to the bank's internal regulations, new employees must rotate in the external service window in the first year of work.

Hua Zhenxing knew the inside story, but Tang Wenwan didn't. She just went to work normally, and she was a little confused at the moment. She couldn't believe her ears, and asked subconsciously, "Excuse me, how much do you want to exchange?"

Suo Luolun was secretly proud, raised his chin, raised his eyebrows, and replied with a straight face: "1000 million pieces, please check our account..."

Tang Wenwan was at a loss for a while, and subconsciously wanted to contact the leader.The lobby manager, Yun Mo, had already come over and said, "Xiao Tang, just follow the normal procedures and exchange it for her."

The security guard on duty, Hua Zhenxing, is on a temporary basis, as is the lobby manager.Yun Mo had already broken through the six realms of cultivation the year before last, and he was already a Dacheng monk at a young age, and his talent was indeed excellent.

Follow normal procedures?Then take them out one by one, and at the same time inform the treasury to deliver them to the window.

Sauron's entourage opened the suitcase they carried with them. The suitcase was not small, but it was obviously not enough to hold [-] tons of gold. Inside was the portable device they brought, and they were going to randomly check the authenticity of the gold coins they took.

At this time, Tang Wenwan, who was a little dazed, reminded: "You can inspect it yourself, but before handing over the gold coins to you, we also need to inspect them to ensure that the gold coins handed over to you are of sufficient purity.

During the inspection process, you can send someone to supervise, and finally sign for confirmation, and we will also record the whole process. "

Hua Zhenxing secretly gave a thumbs up when he heard the words. Although this girl encountered an unexpected situation, she did a good job in business training, and she remembered the whole process clearly.

Loforgen, with thick, wavy blond hair, stepped out and switched on the power of an instrument against the wall.This is a radiographic detector prepared by the bank, which can detect the composition and content of various metals to verify the authenticity of gold coins.

The security guard reminded: "Inspector, you have to wear radiation protection suits!"

Lofgen went to the back and changed into a radiation protection suit and came back, putting on a hat and a mask.The ray detector has radiation, but it is shielded by an outer cover, and the impact on the operator is usually negligible, so there is no need to exaggerate it.

But today’s situation is different. It is necessary to keep the machine turned on and continuously inspected. The accumulated radiation dose cannot be ignored. Therefore, it is necessary to wear radiation protection suits to show that the procedure is normal.

The results of X-ray detectors are very accurate, but they are also flawed. The detection range can only penetrate a maximum of one millimeter into the metal surface.

If it is a thicker gold bar or gold nugget, if it is wrapped with a metal such as tungsten, its specific gravity is similar to that of gold, and it cannot be detected by this non-destructive method.

Huanxiang does not have this problem with physical gold coins. The maximum thickness of its pattern is only two millimeters, and this instrument can do double-sided detection.

When Luo Fugen was operating, Yunmo introduced the detection principle to Soloren, and told Soloren that they could also test it by themselves, but the bank must ensure that the gold coins delivered to them are real gold coins, and they must sign for confirmation.

Under normal circumstances, one gold coin is signed once, and 1000 million gold coins have to be signed 1000 million times for confirmation, and the hand has to be signed.Yunmo is also very understanding, after negotiation, he agreed to sign with the other party once a day.

That is, after the daily exchange is over, sign to confirm how many physical gold coins have been exchanged that day, and confirm that the quality is correct.This negotiation process is also fully documented.

It was too tiring to stand here and wait, Yun Mo kindly asked the staff to bring chairs and a small coffee table, let them sit and wait, and drink some tea while packing up the gold coins.

In order to refuse other customers to watch, the corner of the lobby was specially set up with an isolation belt, and Hua Zhenxing, the security guard, was on duty behind his back.

Sauron didn't react at first, because the situation was completely different from what she expected. The exchange window didn't have any objections to "1000 million" and this number, and the exchange began according to the normal procedures!

Huanxiang Industrial Bank, Huanxiang Industrial, and Huanxiang Country did not have any high-level leaders who asked to negotiate with her. The highest-level receptionist on the scene was just a manager on duty in the lobby.

A lobby manager, a teller, a security guard, a tester, and four ordinary grass-roots staff, took over this business that may shock the world and shake the order of the international financial market!

Sauron sat there watching this scene, feeling so absurd, as if his eyes were hallucinations.

Whether it was a hallucination or not, the exchange work was still going on, one gold coin after another was sent out from the window, tested in batches, and then handed over to Sauron's entourage.

The bank staff has increased again, five more.The two helped to deliver the gold coins, unpack and restore the packaging, while the other two chose the camera position to set up the equipment, and began to follow and record all the details at close range.

There were multiple surveillance cameras in the lobby, but to be on the safe side, Yunmo notified the bank's publicity department and sent someone to record the exchange process to prevent disputes afterwards.

The other person is the president, Ms. Hai Lanzhu.

Looking at it, Ms. Soloren finally felt that something was wrong. She subconsciously started to count the time and calculate the speed of gold coin exchange, and then a sneer appeared on the corner of her mouth, as if she had seen through the other party's small calculation.

The X-ray detector can inspect ten gold coins at a time, and the result can be obtained in a few seconds, but it takes time to switch and remove, and it can only detect thousands of gold coins in an hour at the fastest.

1000 million gold coins have to be exchanged for the Year of the Monkey!
Obviously, Huanxiang Industrial Bank's trick is to delay first, and try to figure out a solution while procrastinating.Seeing through this, Soloren stood up and negotiated with Hai Lanzhu, saying that the exchange speed was too slow!

Yunmo said that this has been the business process of the bank since its establishment, and the relevant staff have worked hard.The problem is not that the bank's exchange rate is slow, but that Sauron has too many exchanges.

This is not a voucher transfer, but a physical transfer, which inevitably involves efficiency issues.Why does Huanxiang Industrial Bank launch the digital Huanxiang currency?It is for transaction efficiency!
In Hai Lanzhu's view, since Suo Luolun chose this inefficient exchange in kind, he should be mentally prepared.

Sauron then proposed that the gold coins need not be fully inspected, but random inspections are sufficient.Hai Lanzhu refused with a gentle attitude and resolutely. Suo Luolun could not be particular about it, but the bank could not be less particular about it.

Every gold coin that Huanxiang Industrial Bank exchanges to customers must be inspected on-site. This is a mandatory rule!
Perhaps it was because the negotiation process was monitored and recorded throughout the process, and the other party also brought reporters from the media platform. The bank's attitude was very positive, and it was anxious about what the customer was anxious about and thinking about what the customer wanted.

Under the premise of not violating the work regulations, the staff sincerely help customers solve problems, special cases are handled specially, and another spare detector is moved out urgently, and an inspector is added, which greatly improves work efficiency .

President Hai Lanzhu expressed his condolences to customers after showing up, and then put on protective clothing and went to work in person!
When Soloren saw that the newly added inspector was actually the president of Huanxiang Industrial Bank, he was a little bit confused, and didn't know how to accept the recruit on the spot.

The exchange work is still going on. Taking into account the work intensity of the personnel and the intermittent heat dissipation of the equipment, Sawyeron calculated the fastest exchange speed at this moment, which is about [-] pieces per hour.

Then 1000 million Huanxiang coins need to be exchanged for 24 hours. If it is uninterrupted 42 hours a day, it will take [-] days, which is nearly one and a half months.

Seeing this, Soloren became more certain of his judgment. Huanxiang was just delaying time in the industry, perhaps because she came too suddenly and the other party hadn't figured out a countermeasure yet.

Just when So Loren thought so, the exchange work suddenly stopped, and Yunmo came over to inform her with regret that the bank is closed today.

(End of this chapter)