The Fourth Lingshi Financial Crisis

Chapter 587 Cultivating the Financial System
The general direction is determined, and the next step is some details.

Through the communication with Yun Tianhua, Yang Lu found that Yun Tianhua can sit on the position of the president of Lingshi Reserve Bank, and his professional ability and handling skills are by no means an ordinary person, but this person is more than a star and a half behind Li Qingyang in terms of courage. Especially when Yang Lu suggested that he had to come forward to communicate with the angry troublemakers in person, President Yun wanted to retreat on the spot.

However, the matter has come to this point, Yun Tianhua can't be cowardly anymore.

Today's troublemakers are like powder kegs, any spark can cause a violent explosion, if Yuntianhua still sends Wang Ziwei or other high-level leaders of the Lingshi Reserve Bank to negotiate on their behalf, they may not even find a chance to speak.

Under Yang Lu and Wang Ziwei's good talk, Yun Tianhua reluctantly agreed to personally go out to appease people.

However, in order to ensure that the plan was foolproof, Yuntianhua also repeatedly discussed the details of the next action with Yang Lu and Wang Ziwei, and even prepared several sets of backup plans to deal with emergencies.

Yang Lu scoffed at Yun Tianhua's approach in his heart.

Dealing with emergencies is like marching and fighting in ancient times. It never followed the plan. After all, there are too many variables in the real world. In many cases, in the end, it is the commander's ability to control the field and adaptability.

However, in order to embolden Yun Tianhua, Yang Lu, the spitting monster, swallowed the spitting words forcefully. Anyway, even if these backup plans are useless, it would be good to embolden Yun Tianhua!
After roughly sorting out the action plan, Yuntianhua called the several Jindan stage monks who stayed at the Lingshi Reserve Bank to his office, and explained to them the next action plan and the tasks they should be responsible for.

When introducing Yang Lu, Yun Tianhua not only said that Yang Lu was Li Qingyang's direct disciple, but also claimed that everything that happened today was within President Li Qingyang's expectations, and that he brought Li Qingyang's plan to the meeting to strengthen his persuasive power. to help.

Yang Lu could also understand why Yun Tianhua said that.

Although Yun Tianhua has served as the president of Lingshi Reserve Bank for nearly two years, because the most important personnel power of Lingshi Reserve Bank is controlled by Liu Hanxing, even Li Feiyu, the top five executives of Lingshi Reserve Bank, was forced to defect overseas.

All kinds of things have caused Yuntianhua's prestige to be very worrying, and he has long been unable to unite all the monks who joined the world.

Today, the masters of the Jindan stage who can still stay at the headquarters of the Lingshi Reserve Bank can hardly see the elders of the Wuliang Sword Sect. They are all from overseas sects or the Golden Knife Sect. Among them, Yang Lu saw his own sect for the first time. Zeng Zhiquan, the current leader and chairman of Wuliangjianpai Stock Exchange.

This elegant and scholarly "the strongest programmer in the cultivation world", after seeing Yang Lu and Li Qingning next to Yuntianhua, just nodded very politely, and did not put on any airs of being the leader, just like It was what Xu Yannan introduced when Yang Lu first stepped into Xianmen. Jindaomen is not so much a cultivation school as it is an academic mutual aid organization. Even the head of the sect and ordinary disciples do not have any strict superior-subordinate relationship.

And these masters who were not from the Wuliangjian Sect were able to stay at the Lingshi Reserve Bank in times of crisis, not because they had much confidence in Yuntianhua, but because they simply couldn't understand Lin Jianxing's style of meddling in the Lingshi Reserve Bank at will.

If Yun Tianhua said that the next action plan was arranged by himself, these bosses who are not much worse than Yun Tianhua in cultivation and qualifications are at best not convinced, and they are definitely not willing to charge for this former colleague and current boss. .

Although Li Qingyang had passed away for two years, his reputation in the Lingshi Reserve Bank was still at its peak. If these plans were formulated by Li Qingyang, none of the veterans of the Lingshi Reserve Bank could say much.

It's not that no one doubted Yun Tianhua's false transmission of Li Qingyang's will.

However, what Yun Tianhua said was half-truth and half-false, especially since the small treasury of Lingshi Reserve Bank was indeed left by Li Qingyang, and Li Qingyang's direct disciples and great-granddaughter also came to help at this critical moment. In the end, those senior executives of the Lingshi Reserve Bank who were dissatisfied with Yuntianhua could not find any faults.

After Zeng Zhiquan, the head of the Golden Knife Sect, was the first to express his support, the other veterans of the Lingshi Reserve Bank agreed to cooperate with Yuntianhua without hesitation for too long.

While Yuntianhua united the internal forces of Lingshi Reserve Bank, Yang Lu, who had nothing to say, also asked Wang Ziwei about the operation mode of Lingshi Reserve Bank.

Through side-by-side inquiries, he also gained a deeper understanding of the cultivation financial system.

Although the overall design concept of the financial system of the Kyushu Cultivation World should be completely born out of the financial system of the modern earth, but because the Cultivation World has its own unique social structure, this has led to the fact that the earth's financial system cannot be completely copied after it is transplanted to the Kyushu Cultivation World , but produced a lot of magic changes.

For example, treating Lingshi Reserve Bank accounts as core secrets is almost impossible to exist on Earth (maybe a country with a main body of thought exists, and the author is too lazy to verify it).

This may be because the monetary system of the earth is naturally developed by various countries. Therefore, there are hundreds of central banks in the world that are in essence in competition. The competitiveness of central banks and currencies mainly comes from credit. If you don’t even have accounts If you show it to others, everyone will definitely suspect that you are secretly playing tricks, and instead choose those currencies whose issuance process is open and transparent.

However, since the total population of Kyushu cultivation is only tens of millions, and the financial system of Kyushu cultivation world is completely designed by President Lu from the top, and built out of nothing, this leads to the only one central bank in the whole cultivation world.

It’s not that other cultivators have tried to establish a second Lingshi Reserve Bank. However, the Lingshi Reserve Bank has the credit endorsement of Immortal Feisheng after all, and the total population of cultivators cannot support the coexistence of two central banks, which leads to 500 In the past few years, only Tian Daxiao barely had the capital to try.

Since there is no competitor, Lingshi Reserve Bank's unreasonable policies will not cause too serious consequences.

In fact, Yang Lu can't quite understand why Lingshi Reserve Bank's balance sheet must be kept strictly confidential to the outside world, and the level of secrecy is so high that even as the vice president of Lingshi Reserve Bank, he can even directly interfere with Lingshi Reserve Bank's balance sheet. Liu Hanxing, who was appointed by the personnel of the Lingshi Reserve Bank, and Wang Ziwei, who has served as the secretary of the two presidents for 80 years, are not clear about the profitability of the Lingshi Reserve Bank.

However, the Lingshi Reserve Bank insisted on such a regulation, and said that this was the ancestral law jointly formulated by the three Feisheng immortals. Even Lin Jianxing had nothing to do about it, and finally Li Qingyang secretly hid a small treasury.

And this is just one of the many differences between the financial system of cultivation and the financial system of the earth.

Unlike the banks and financial institutions on the earth, which have already realized the informationization of liquidation, bookkeeping, and transactions, because the magic threshold in the cultivation world is much higher than the computer technology on the earth, only those with powerful cultivation forces can act as Only financial institutions that are backed by the mountain have the strength to realize automated transactions through Xianzhen.

In addition, the living conditions of most Kyushu mortals are like the "Sanhe Gods" of the earth. They spend as much as they earn every day, and they have no savings in their pockets at all.If something happens accidentally, you can only go to the shantang run by a cultivator to be fed as livestock. If you recover by luck, you will return to the state of "working for one day and eating for two days".

These Kyushu mortals who are struggling on the line of food and clothing are not qualified to participate in real financial activities.

The extremely low interest rates in the cultivation world also make the bank's main source of income not the interest rate difference between deposits and loans, but high handling fees (even deposits have zero interest rates or even slightly negative interest rates), which makes ordinary people even more daunting.

For various reasons, the only residents of Kyushu who are eligible to participate in financial activities are cultivators and their high-level mortal white gloves, and these ruling classes account for less than [-]% of the total population of Kyushu.

Therefore, the concentration of the financial system in Kyushu's cultivation world is much higher than that of modern Earth.

Take the brokerage firm as an example. In the huge world of cultivation in Kyushu, there is only one global monopoly securities firm, Pan's Commercial Bank. Although the number of Xiuzhen Commercial Banks born out of Qianzhuang is slightly larger, they are eligible to be connected to the Lingshi Reserve Bank. There are only a few dozen commercial banks in the Kyushu cultivation world with automatic settlement systems.

This is not to say that other chambers of commerce are unwilling to open banks and brokerages.

In fact, both the Sea Cliff Chamber of Commerce and the Pan's Commercial Bank have reaped astonishing profits through the establishment of financial institutions. The reason why other cultivation forces are unable to establish similar financial institutions is because they do not have the ability.

After all, the territory of Kyushu's realm of comprehension is too vast. In addition, the issuance of Lingshi coins in the entire Kyushu world must go through the channel of Lingshi Reserve Bank. Therefore, if you want to establish a commercial bank or a formal non-bank financial institution, you must build it yourself. The fairy array is connected to the automatic settlement system of the fairy array of the Lingshi Reserve Bank.

However, this automated fairy array not only requires a huge investment, but also requires a full-time array mage to maintain it. The operating cost is very exaggerated. If the bank is not large enough, it will not be able to cover such a huge operating expenditure. Instead of increasing, the number of commercial banks has decreased.

Haiya Bank, controlled by the Haiya Group, is one of the few commercial banks in Zhongzhou today.

With the help of the huge transaction flow brought by the ocean trade and its upstream and downstream industries, as well as the daily turnover of the Haiya Commodity Exchange, the Haiya Chamber of Commerce’s opening of a bank is also considered to be unique. Since its birth, it has enjoyed huge traffic resources. After years of development, it has gradually become the financial hegemony in the southeast coastal area of ​​Zhongzhou.

Now Haiya Bank not only opened branches in several major trading cities in Zhongzhou, but also opened branches in Jiading Port of Borneo State, Yangjiang Port of Huoyun State, and Huaishan Port of Nanban State.

Of course, commercial banks are not the entire financial system of Kyushu's cultivation world.

Since the number of commercial banks is not large, and all of them serve high-net-worth groups, in order to meet the needs of ordinary people to save some pocket money, relying on these large-scale commercial banks that are directly connected to Lingshi Reserve Bank's automatic settlement system, there are also many large-scale commercial banks. A private bank dedicated to serving ordinary people.

These banks open accounts in commercial banks, and then provide retail services to ordinary mortals. However, compared with comprehension commercial banks, which are very close to modern commercial banks on the earth, the operations of these banks are very primitive, and they even rely on mortals to keep accounts manually. , the reputation is also very poor, and there are often news of bank bosses running away with money.

The advantage of this kind of primitive bank may be that it is only cheap.

However, since these banks have been out of the supervision of the Lingshi Reserve Bank for many years, and they are doing business with second-hand dealers in commercial banks, they have gradually become tools for cultivators to cut leeks. The only difference is that the bosses of some banks are free. Long-term fishing for big fish, while the bosses of some banks run away after cutting a wave of leeks, and the food looks very ugly.

As the state economy has gotten worse over the years, the number of the latter has also risen sharply compared to the former.

It is precisely because there are not many regular commercial banks and non-bank financial institutions in Kyushu's cultivation world, and the working pressure of Lingshi Reserve Bank is obviously lower than that of its counterparts on Earth. It is only necessary to monitor these large financial institutions directly connected to the settlement system of Lingshi Reserve Bank. Institutions can monitor the capital flow of the entire Kyushu world.

The post of monetary policy observer in Haiya City held by Xu Yannan, Yang Lu's enlightenment teacher, was originally set up specifically to supervise Haiya Bank, and the headquarters of other large commercial banks and non-bank institutions were also designated by Lingshi. The Reserve Bank has arranged a similar post for dedicated vertical supervision.

Since all transactions of financial institutions are processed centrally through the settlement array at the headquarters of Lingshi Reserve Bank, this also eliminates the possibility of major commercial banks making false accounts. After so many years of continuous improvement, Lingshi Reserve Bank, A complete anti-money laundering early warning system has been established long ago.

The developer and maintainer of this system is the team led by Zeng Zhiquan, the current head of the Golden Knife Gate.

Therefore, those very primitive ordinary money laundering methods cannot hide from the eyes of the Lingshi Reserve Bank at all, which is why the money laundering channels provided by the Haiya Department are so important.

If there is no false trade flow provided by the Haiya Department as a cover, any abnormal cross-border transfers cannot escape the monitoring of the anti-money laundering module of Lingshi Reserve Bank, and if you want to launder money through underground banks, you have to bear the risk of being hacked The risk of fraud, because the underground bank is not connected to the automatic settlement system of Lingshi Reserve Bank at all, the success of the transaction depends entirely on the credit of the bank itself.

In the face of huge profits, the credit of private banks is no different from that of toilet paper.

Since the money laundering channel of Haiya Bank is irreplaceable to a certain extent, the ocean trade channel of Haiya Chamber of Commerce and the cross-border money laundering channel of Haiya Bank form the foundation of the entire Haiya system...

After Yuntianhua appeased the fluttering hearts of the Lingshi Reserve Bank, Yang Lu also formally signed an agreement with Yuntianhua on the transfer of the non-performing assets of the Luo Family Chamber of Commerce on behalf of the Haiya Department. After waiting for a long time, Lingshi Reserve Bank soon received a remittance of 5 million Lingshi coins from Haiya Bank.

5 million Lingshi coins.

If it is strictly converted, this is equivalent to the official financial income of the Shanying faction for more than 20 years (the total income of the Shanying faction must be more than this amount, after all, all the cultivators of the Shanying faction still have to make money), this huge sum of money It is not a small amount for the Sea Cliff Chamber of Commerce.

Yang Lu clearly remembered that when the Haiya Chamber of Commerce bid for the official business partner of the Wuliang Sword Sect, there was only 1 million Lingshi coins in cash in the account. Jiang Hua'an and the others should have started preparing for this fund long in advance. From this point of view It can also be seen that Jiang Hua'an is quite sure that Yun Tianhua will accept his conditions.

(End of this chapter)