The steps of the global layout have not stopped, Ye Feng is thinking about every move behind, and Tobal is also trying to keep up with Ye Feng's footsteps, providing the necessary funds and support for Ye Feng's ideas, the World Bank has ensured that Hualong has sufficient funds, although many private banks are also involved in the competition, without the support of Hualong commercial virtual platform, they have no way at all. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Now Tobal is worried about the situation in Huaxia, although the National Bank of Huaxia also has a stake in the World Bank, and the operation of the National Bank of China is also very good, but it is not a good thing for the five major commercial banks in China, because of the strong position of the World Bank in China, the deposit rate of the five major commercial banks has fallen very sharply, and only in some places where the World Bank cannot reach to retain its strong position, and it is this change that makes the two sides a little incompatible. The online store of commercial banks has been reduced by half, which is a huge number, and the World Bank has gradually completed the layout in China, through efforts, in various cities above the county level in China have online stores, due to the strength of the virtual business platform, so that the meaning of the existence of the bank has become not so important, what you need can be purchased on the Internet, can be delivered to your hands in a timely manner, do you still need people to go out to shopping malls and other things? The fashion of young people has also become the completion of shopping at home, which has relieved many men from the painful process.

And it is the decline in deposits that has made the five major domestic commercial banks have a lot of bad debts, and the people choose the World Bank with better services, the banks that can create value for them, and the banks they need to freely choose, and more importantly, their funds do not need to stay in one bank, and the high profits of the five major commercial banks are completely over, and it has become a difficult thing for them to survive.

And this difficult thing has naturally become a high-level thing that Huaxia needs to consider, which also makes it difficult for Hualong to do in it, Huaxia National Bank is unwilling to accept these things, it just so happens that the country has ** bank failure method, which also accelerates the risk of some bank failures, various city banks, provincial banks are facing an increasingly difficult survival environment, only banks that adapt to the economic tide can survive well.

In the past, the State Bank had to print Huaxia currency to fill the foreign exchange deficit and the bad deficit caused by loans for the five major commercial banks, but now that they have joined the World Bank, the funds of the major enterprises can be well controlled, and they can also bring them huge profits and profits, and the domestic inflation situation is well controlled, which is exactly what they want to do, so they are now even more reluctant to take over the affairs of the commercial banks.

The problem of this kind of savings, but for the business of China has brought a bad impact, the five major commercial banks of the bad competition, so that many industries have problems, one is the acceptance of the bill of exchange, the other is the sharp decline in the real estate industry, which has led to the decline of China's economy, but this is not what the leaders of China want to see, so in some things began to hinder the World Bank, although in the general direction do not dare to move, but secretly there are still some protection policies in the protection, This made the Huaxia Bank part undertaken by Hualong have a great impact, and Tobal wanted to discuss this matter with Ye Feng.

"And what are you going to do?"

For business and capital operations, Ye Feng is not clear, he is not as good as Tobale, he is more trusting of Baale's approach, "Since they are shameless, we can also directly confront them, we can use the funds in our hands to directly knock them down, their acceptance bills have already made us lose almost billions of funds, I plan to directly refuse to accept the acceptance bills issued by the five major banks and block their funds." ”

"If we do this, will we lose much?" Ye Feng asked.

"There will be some losses, I asked economists to calculate, although the five major commercial banks have been robbed of most of their business by us, but their assets should still exceed 40 trillion Chinese dollars, we now have the shares of the World Bank, plus we can call on a little less funds than them, we can directly confront them, through commercial means, I can let them exit the market." Tobal said earnestly.

"I don't doubt your ability, there is a saying in Huaxia, called the sandpiper and the clam compete for the fisherman's profit, we compete with each other, who will get greater benefits?" Ye Feng didn't deny Tobale's words, and he didn't think there was anything wrong with his approach, "I want to know, if we compete with each other, who will get the most benefit from this?" ”

Tobal calmed down and thought for a moment, he didn't think that Ye Feng would deliberately say this, he must have concerns, "If we insist on fighting this battle, we must get the full support of the Huaxia National Bank, and we must also owe a favor to other national banks, and we need to transfer their funds, although we will definitely win this battle, it will definitely dilute our shares, and it is difficult to say that they will make demands at this stall, or they will be able to negotiate with the five major commercial banks to obtain greater benefits." ”

"And what are our benefits?"

"We have access to the complete commercial market of Huaxia, we are fully capable of operating Huaxia's commercial banks, and we can do better." Tobal said firmly.

"If I were to pay such a big price to win this war, I think we would lose too much." Ye Feng shook his head, "There is a book in Huaxia called Sun Tzu's Art of War, which says that the soldiers who surrender without a fight, the focus of strategy is to attack the heart first, and obtain greater benefits at the minimum cost. ”

Tobal had heard of the book, but he had never read it, and he did not understand what it took to bring the five major commercial banks to their knees.

"Where are the main pillars of the Big Five that can compete with us?" Ye Feng didn't say what he thought, but asked Tobale.

"The big problem is the outlets that they have now, the reach and the money they have in their hands." Tobal said.

"And if the funding is reduced, will the rest of them weaken?"

"That's a certainty, no one is going to spend money to maintain a spendable network and coverage area."

"Money is their biggest strength, but also their weakness that is most easily broken through, can I understand that?"

"Yes." Tobal thought for a moment, "So you mean we're going to start by reducing their funding?" ”

"Yes, how much foreign currency do they have?"

"I don't have accurate data on this, it should account for about 15 percent of the deposit rate." "Their foreign exchange reserves are going to exceed the red line set by Huaxia, you mean we are making a fuss about foreign exchange?" They reserve so much foreign exchange in order to negotiate with the Huaxia National Bank, obtain Huaxia currency to earn the difference in the middle, and make themselves profitable through the subsidy of the Huaxia National Bank. ”

"Do you think there's a good way to get started in this area?"

"They have such a large amount of foreign exchange funds in their hands, they must want to exchange it, and we will use the same acceptance bill to exchange this part of the foreign exchange, so that the already lost foreign exchange can be controlled, and then use our function in the World Bank to dilute it to various foreign banks, right, so that we will not have losses, and it will make the big five banks think that we are helping them, or falling for them? Make a reluctant decision and compromise with them, right? ”

Ye Feng nodded, and Tobal's mind became clearer and clearer, "If we take on the pressure of this foreign exchange, although foreign exchange is not a pressure for us, and then prompt them to continue to expand the proportion of foreign exchange collected, and slowly occupy the main part of their currency reserves, and then we suddenly make a move, unwilling to take over, let this account rot on their account, they will be finished themselves, right?" It didn't take us a little effort to let them fall. Tobal figured out that such losses were minimal, "but this would require us to increase our shipments abroad to dilute the pressure on foreign exchange and return the Chinese currency from other countries' banks to us." ”

"We have enough things for them to pay for, our mechas, planes, etc., as long as we increase production, we can exchange for enough funds in a year, so many countries should still have a large amount of Huaxia currency reserves, not to mention that we also have Huaxia, a big buyer, the amount of money they hold in their hands is very large, haven't they been looking for us to help recently, and have asked us so much? We'll give them well, and there's nothing to lose for us, as long as we keep the world's shipments in balance, we won't lose a penny. ”

Tobal secretly admired Ye Feng's analytical ability, and under Ye Feng's analysis, he found the most suitable way, and he could achieve his goal without spending a penny, "As long as the reserves of foreign exchange in the five major commercial banks occupy more than 40 percent, we will be able to make them lose a lot, and then they will fall down themselves, and we don't even need to do it, we just cooperate with Huaxia Commercial Bank to do a small thing, and in the future, we can also collect the outlets in their hands at the lowest price, and we can get more in one fell swoop." Tobal laughed, and Ye Feng nodded.