The Fourth Financial Crisis

In Yang Lu's view, Li Qingyang and Yuntianhua's behavior of hiding the small treasury was openly bullying Lin Jianxing's master and apprentice for not knowing their business.

From a macro level, this behavior clearly does more harm than good.

If we use a vivid metaphor, it is equivalent to me cutting off a piece of your flesh and then feeding this piece of flesh to you to replenish your body. This is simply nonsense that outweighs the gain and the loss.

It can even be said that this kind of wool-gathering operation indirectly led to the accelerated bankruptcy of the Luo Family Chamber of Commerce.

Still, it's not entirely pointless.

Although Li Qingyang lost one thousand people and gained eight hundred, it seemed that he lost two hundred overall, but if the one thousand was placed in the hands of others (such as the hands of the Luo Family Chamber of Commerce), sooner or later, it would be taken away by monks from the secular sect or the worldly sect. The corrupt elements were divided among themselves.

However, the current Lingshi Reserve Bank's cunning operation of collecting seigniorage has aggravated Zhongzhou's financial crisis and caused Zhongzhou's economy to lose a thousand dollars, but it has made the profit of 800 dollars really under the control of Lingshi Reserve Bank. in hand.

Facing the current predicament, the one billion spirit stone coins in the hands of the Lingshi Reserve Bank are obviously more useful than the two billion spirit stone coins in the hands of Lin Jianxing.

If the central bank's surplus of one billion Lingshi coins is added to the 500 million Lingshi coins acquisition funds from the Haiya Chamber of Commerce, Yuntianhua's available funds now have reached 1.5 billion Lingshi coins. Although this amount is relatively small, The Billow Chamber of Commerce still has little success in digging holes, but at least it has some room for maneuver.

Thinking of this, Yang Lu couldn't help but feel a little emotional.

Originally, he thought that Li Qingyang's death was very sudden, as if he passed away suddenly without any preparation, completely leaving himself to wipe Li Qingning's ass.

However, now that I think about it carefully, whether it is the huge difficulties brought by the reform of Zhongzhou's social security system to Lin Jianxing's rule, Wang Ziwei's shocking plan to rescue the ancestor of the Ling tribe Wang Sandao, or the backhand hidden behind the financial statements of Yuntianhua and Lingshi Reserve Bank , or the issue of the inheritance of President Lu Yang’s true legacy, or even the personal safety and final retreat of his great-granddaughter Li Qingning...

There is actually a faint shadow of Li Qingyang behind these things!

He doesn't even do anything specific. Sometimes he just makes a suggestion lightly, or acquiesces to something happening, which can make things run along the established track.

This made Yang Lu feel that Li Qingyang's plan for what happened after him was like an invisible network, omnipresent!

Even though Li Qingyang has passed away for nearly two years, his layout is still affecting today's Lingshi Reserve Bank and even the situation in the entire Zhongzhou. It's no wonder that masters like Yuntianhua are convinced by him.

After Yang Lu carefully read the information in the jade slip, he raised his head again and asked: "One and a half billion yuan of spiritual stone coins, do you think it is enough?"

Yuntianhua had obviously planned this and quickly replied: "Some time ago, I have roughly estimated the losses of the troublemakers outside. They are owed a total of 5.6 billion spiritual stone coins. In addition, there are Some creditors from the Luo Family Chamber of Commerce did not come over, and some cultivation sects that were owed money did not dare to step out because they were worried about the retaliation of the Wuliang Sword Sect. If these debts were added, it is estimated that the total amount owed would more than double. But I think the latter two do not need to be considered for the time being. The top priority now is to deal with these people surrounding the door of Wuliang Sword Sect to prevent Leader Lin from taking the opportunity to cause trouble."

"So do you have any concrete plans now?"

"My plan can be described in one word, and that is procrastination. If I use four words to describe it, it is installment payment."

When Yuntianhua talked about his method, his expression was a little helpless: "We really don't have enough cash on hand, so we can only advance less than a quarter, and the rest can only be advanced to them slowly. I think it can be used Lingshi Reserve Bank's future profits are mortgaged. Although this is equivalent to Lingshi Reserve Bank taking the initiative to shoulder bad debts, it at least avoids a hard landing of debt default."

Yang Lu thought for a while, but still felt something was wrong: "If this agreement is signed, Lin Jianxing will realize that Lingshi Reserve Bank has a small treasury. What if he wants Lingshi Reserve Bank to assume more responsibilities? Lingshi Reserve Bank You can never adjust the reserve interest rate to a negative number, otherwise commercial banks will choose to hold cash."

Yuntianhua spread his hands and said matter-of-factly: "Can we still control so much now? Let's get over it first! Although the economic situation in the cultivation world has long been riddled with holes, things like the Luo Family Chamber of Commerce There are really not many landmines of this level. If Leader Lin wants to incite another riot of the same level, it will probably take a long time to brew."

"So you just plan to keep delaying?"

"It's not that I'm unwilling to completely solve the problem, but I don't have the ability. Not only do I not have the ability, but even Li Qingyang and Mo Yunlan don't have the ability!"

"Then why are you delaying it? The economy of the cultivation world has reached this point, how long can you delay it?"

Facing Yang Lu's soul torture, Yuntianhua smiled and gave the same answer as Jiang Hua'an: "As long as it can be delayed temporarily, the pressure will be transferred to the head of Lin. You also know that the financial problem is the biggest nowadays. The cultivation forces are the sects of the sects under Master Lin. If those sects of the sects go bankrupt, can Master Lin, who has lost his base, still be able to hold his position?"

Yang Lu immediately raised Jiang Hua'an's question: "According to theory, those sects of the sect should have been in trouble a long time ago, but for some reason, until now, those sects of the sect seem to be able to maintain normal operation."

"Do you guys know something?"

Yang Lu shook his head and said, "We don't know either!"

Yuntianhua frowned and said: "There is indeed a problem here. I will also ask the familiar chamber of commerce to pay more attention to the situation of the sects of the sect. As long as the monks of the sect cannot create spiritual stone coins out of thin air, there will definitely be clues! "

Yang Lu nodded, handed the jade slip in his hand back to Yuntianhua, and then asked in a sincere tone: "No matter what we say in the future, the top priority is to deal with the problem of the Luo Family Chamber of Commerce. If we can't get through this, what can we discuss now?" Nonsense, to be honest, how sure are you that you can convince those thugs outside?"

"To be honest, I am only 30% sure at most!"

Hearing Yuntianhua's dejected speech, Li Qingning was also shocked. He couldn't help interrupting the discussion between the two: "President Yun, you just said so much, but in the end, you are only so sure?"

Yuntianhua smiled bitterly and said: "If these cultivators who came to Lingshi Reserve Bank to cause trouble all gathered spontaneously, then I think there is at least a 70% to 80% certainty that the problem can be solved."

"what do you mean……"

"What I mean is very simple. These troublemakers were able to connect with each other in just half a month, and they were able to run rampant within Wuliang Mountains. If there was no one behind the organization to incite, it would be impossible! There are these people with ulterior motives. The instigators are here, and if we try to solve the problem by making excuses and talking, it will be extremely difficult!"

"That's right, if someone bites the bullet and asks us to pay off the debt with real money, we really won't be able to come up with so much cash."

Yang Lu also agreed with Yuntianhua's judgment.

This mass incident was originally aimed at Yuntianhua himself. The instigators will definitely fan the flames at all costs. If everyone can get real money, it will be okay. They want to send everyone away with IOUs worth billions. , it is really difficult when someone deliberately instigates it. Even if Yuntianhua swears on his own wealth and life, he cannot guarantee so much money.

After all, everyone is protesting in front of the Lingshi Reserve Bank now, and no one can do anything to them. But if they return to their own territory, they will be easily defeated by the various vassal sects and cultivation chambers of commerce to which they belong, just like before.

If Qiu Hou refuses to pay, they will have no place to reason!

No one knows whether the Wuliang Sword Sect and Lingshi Reserve Bank will be given a second chance to gather and cause trouble after suffering such huge losses.

Therefore, Yang Lu also shook his head: "IOUs cannot perfectly solve the problem. It needs to be combined with other means to take a two-pronged approach!"

Hearing what Yang Lu said, Yuntianhua also showed an interested look: "Li Xingchang spoke highly of you before he was alive. He even said that when I encounter difficulties, I might as well come to you to discuss it. It seems that you really have the ability." Is there any other way?"

Li Qingning looked at Yang Lu in surprise and said as if he had gotten to know him again: "Grandpa thinks so highly of you?"

Yuntianhua nodded and said: "President Li is not the kind of person who likes to praise others. The fact that he is so optimistic about Consultant Yang shows that Consultant Yang must have something extraordinary."

Yang Lu smiled bitterly and didn't know how to explain it.

He knew very well that Li Qingyang was so optimistic about him probably because he knew that Yang Lu and Governor Lu were demons from the same world, and this civilization called Earth had significantly more experience in the financial field than the world of cultivation.

Under this circumstance, Yang Lu will definitely have his own unique insights into the financial problems faced by the cultivation world.

I have to say that Li Qingyang really guessed it right this time.

Since the number of cultivators in the Kyushu Cultivation World is not large and they are scattered across the Kyushu Continent, which has a land area dozens of times larger than the Earth, financial mass incidents in which a large number of cultivators gather together rarely occur. However, such incidents are almost impossible on Earth. Not too much, so when it comes to experience in solving financial debt problems, the Kyushu cultivators cannot catch up with modern earthlings even if they are flattering.

Yang Lu thought about his words for a moment and then continued: "The wealth in the Jiuzhou cultivation world conforms to the 28-20 law. Twenty percent of the cultivators control 80% of the wealth. If you want to divide and disintegrate these troublemakers, When we write IOUs, we can’t pay evenly. Retail investors with smaller debts can pay all in cash, but retail investors with larger debts, as well as all chambers of commerce and sects, must pay the full amount of IOUs. Since there are less than 40,000 cultivators making trouble outside People, then we will pay according to the standard of 40,000 yuan of spiritual stone coins per capita. If the payment is insufficient, we will pay the full amount in IOU, which should be able to meet the requirements of most of them."

The method Yang Lu mentioned is actually the usual method of handling bond defaults on the Earth Exchange.

When exchange bonds default, the exchange will often give priority to repaying retail investors instead of institutional investors, because retail investors invest with their own money and are willing to fight with others if they lose money, but institutions hold It's all the company's money or the customer's money. No one will fight for public money. There is a high probability that they will just knock out their teeth and swallow it.

In this way, the group incidents that regulatory authorities are most worried about can be avoided.

Yuntianhua has worked in Lingshi Reserve Bank for hundreds of years and has a lot of experience in dealing with people. After learning the advanced experience of the earth's financial world, his eyes suddenly lit up and he said: "That's right! Luo's Commercial Bank owes the largest amount of money." , usually legal entities such as cultivation chambers of commerce and vassal sects, but the largest number of people who owe money are retail cultivators. Now those sects and chambers of commerce are hiding behind retail investors to stir up trouble. We only need to settle these retail investors, chambers of commerce and sects. Naturally, you don’t dare to jump out and confront us openly!”

At this point, Yuntianhua seemed to suddenly think of something and continued to ask: "But not all retail investors have no money. Some retail cultivators in the foundation-building period were defrauded of more than 40,000 yuan by the Luo Family Chamber of Commerce, and even Some large retail investors have been defrauded of 700,000 to 800,000 spiritual stone coins, and I’m afraid these guys won’t let it go!”

Yang Lu made a gesture of cutting through the mess with a sharp knife and said: "There should be many Jindan cultivators in the Lingshi Reserve Bank! The reason why everyone dare not take action is because there are too many people making trouble outside, so they start to deduct losses. No one can afford the merits of others. Although those large retail investors are very rich and have a good level of cultivation, their number will definitely not be too large. If only a few hundred people want to cause trouble, we can definitely send out experts. Give them some color!"

Seeing that Yuntianhua still had doubts, Yang Lu continued to add: "President Yun, if you keep trying, you will be messed with! It's not that we don't pay back the money, we just gave them an IOU. If they are shameless, We must not tolerate it, this will also deter other unscrupulous people who want to come to Lingshi Reserve Bank to cause trouble!"

After a moment of silence, Yuntianhua said in a complicated tone: "Consultant Yang, Mr. Li spoke very highly of you before he was alive. Without Mr. Li's high praise, I would not be able to show you the most secret financial statements of Lingshi Reserve Bank today... …”

"So what's your final opinion?"

"Just do as you say! As the saying goes, a sight is better than a hundred hearings. Today I finally know what it means to be a hero. I am afraid that even if Mr. Li is alive, he may not be able to come up with such a sophisticated trick. You really moved the right reinforcements!”