"I can't take this money!" Seeing the 1 billion yuan delivered to the door, Boss Jia sighed, and then refused.

"Why?" Chairman Liu was shocked.

"Because I don't want to give you interest!" Boss Jia rolled his eyes, and then said, "By the way, I'm here to pay back!" ”

"What money?" Chairman Liu was a little confused.

"Of course, I borrowed 10 billion, so it should be in the account now, this morning, I sent the money from Mitsubishi Bank, you can check it!" Boss Jia muttered.

"You mean that you are here to exchange for the previous loan of 10 billion yuan!" At this time, Chairman Liu reacted, what does Boss Jia's repayment mean!

"That's right, otherwise what I'm going to do with you, I still have the face to ask you if you can borrow money!" Boss Jia rolled his eyes and said.

"But...... But we said that the term is three years, and it's only been three months, why did you pay it back? Chairman Liu felt that his head was a little difficult to use.

"This three years is just the worst situation, if I have money, then I will definitely return the money to your bank as soon as possible. I know that your bank borrowed 10 billion yuan to put a lot of pressure on me, and it seems that there are still many people who scold you for sugar-coating capitalism. Lao Liu, I have a conscience, I can't make it difficult for you! ”

"Besides, there is a good saying, there is a loan and a return, and it is not difficult to borrow again!" Boss Jia said with a smile.

"That's ...... That's ......" Chairman Liu swallowed his saliva, and then said in a daze, "Actually, you don't need to be so early. ”

"What? If that's the case, I'll pay it back in three years, but I won't give you the interest, you won't take my money! Boss Jia grinned and said, Chairman Liu reacted at this time, and hurriedly straightened his expression, "This is not good, how long you have to borrow, how much interest you have to pay!" ”

"Then dare to settle the account for me!" Boss Jia said angrily, Chairman Liu immediately made a phone call to the revenue and expenditure center, and then frowned and said, "There is no money in the account, the total amount of RMB received today is only more than 7 billion, you won't be kidding me!" ”

"It shouldn't be possible, I told the Mitsubishi Bank, let them send the money to you as quickly as possible, and it is directly through the Mitsubishi Bank's bank in Hong Kong, and it should be able to arrive this afternoon!" That's $10 billion, they're not going to hack my money! ”

"Wait, what did you say?" Chairman Liu's eyes won't roll, "What did you just say?" How much money did you transfer? ”

"$10 billion!" Boss Jia sighed, then patted Chairman Liu's shoulder and said, "Old Liu, you have done us a great favor this time, and I will not forget the help you gave us." So this time, I decided to deposit all the $10 billion I earned from Fuso in your GS Bank. ”

"Of them, 2 billion is used to pay off the arrears, and the remaining 8 billion dollars, you have to remember to calculate the interest for me...... For the sake of our friendship, you can calculate the interest for me in RMB, but my baby dollar, you must not toss him! ”

"You mean, you asked Mitsubishi Bank to transfer $10 billion to GS Bank!! Chairman Liu's eyes could only turn again at this time.

"What, what's the problem?" Boss Jia was surprised, could it be that he was not happy to deposit dollars in his bank.

"Damn, why didn't you tell me earlier, this money is going to cut off Yang Ma's beard!!" Chairman Liu suddenly rushed towards the elevator, and at the same time said to the secretary next to him, "Hurry up, arrange a car for me immediately, I want to go to the central bank, I want to go to the central bank, I want to go to the central mother, these bastards, don't want to swallow the money stored in our bank!! ”

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Let's set the clock back two hours, about 4 p.m.

In the clearing center of the central bank, there are thousands of people working in the shady switchboard room of the clearing center.

The central bank is about the first institution in the country to achieve a fully computerized office of a central institution, and in its clearing center, there are thousands of the most advanced and expensive computers, in addition to five central servers in operation.

This is a 24-hour non-rest unit, because this clearing center undertakes the work and calculation of all interbank business transactions in China.

Here's a brief look at how banks have evolved over the centuries.

In the beginning, each bank was independent, and they had a special bank to store deposits, but later as the number of different banks increased, the need for inter-bank transfers appeared.

In the beginning, inter-bank transfer was really a bank person, carrying silver or gold coins to the other party's bank, and then charging a lot of inter-bank transfer fees.

However, there are many disadvantages of this, not only does it cost power and money, but if it is robbed by someone in the process of transportation, it will be a big loss.

Later, these bankers found that under normal circumstances, the total amount of deposits transferred between different banks did not change much, so later these bankers decided not to move cash, but directly took a summons, that is, encrypted remittance slips to send over, and finally settled all remittance bills every month, and then transported the difference at one time, so as to save a lot of transfer costs.

This solution works so well that it is loved by bankers all over the world, and Huaxia used it for 90 years.

Those who have transferred money between banks before 90 years may remember that at that time, if you want to transfer money across banks, the waiting time is at least 72 hours, and the longest is even half a month.

Because after the transfer, the bank can only mail the remittance slip to the bank you want to transfer money through the post office, so the time of the transfer depends on how long the remittance slip has been at the post office.

If you want to transfer the money to another person's account, you will need to personally deliver the remittance slip to the post office, send it to your own recipient, and then the recipient can take the remittance slip to the bank to withdraw the money...... If the bank is slow to send the remittance slip, the recipient will not be able to withdraw the money, and can only withdraw the money when the remittance slip sent by the bank arrives.

Anyway, inter-bank transfer is an extremely troublesome thing, not like it is now, just a tap on the mobile phone, people are more keen on direct cash transactions.

Later, in 1990, the situation changed, because at that time, the country had more than one million inter-bank transfers every day, and the postal system was about to collapse by these inter-bank transfer businesses, and many foreign banks had already used advanced computer management systems.

Therefore, Yang Ma decided to establish a national clearing center, which is indeed very advanced, with thousands of computers and thousands of trained professional operators.

In addition, there are special communication satellites in the sky and the national bank electronic networking system, which simplifies the inter-bank transfer business.

After the construction of this clearing center, if each bank needs to transfer money, it will not be sent directly to the other bank, but will be sent to the settlement center of the central bank, and after the central bank settles, it will be transferred to each destination bank, so that all the transfer business can be centralized.

And remittance no longer needs to be remitted through the post office as before, and all major banks have to set up their own branch settlement centers, and then convert them into an encrypted message through the computers of the branch settlement centers.

After that, the message is sent to the central bank's settlement center through the satellite network, and then the settlement center sends the message to the destination bank through the message again, and then the destination bank decrypts it on the computer to complete the transfer.

Then the central mother settles the money once a month and sends it to the vaults of each bank, and in this way, the inter-bank transfer time can be shortened to less than 24 hours.

This management system is still in use until 2020, and it is still using specialized satellites to communicate with each other, because it prevents hackers from hacking into the system through the network and modifying the bank's data.

So among the hackers you see, what kind of hackers can modify their bank deposit balances and the like, it's all nonsense, because the network can't be connected to another satellite communication system at all, and it can't pass the audit of the middleman of Yang Ma.

Okay, after the popularization of science, back to business, at 2 o'clock on this day, the originally quiet settlement center suddenly remembered an irrepressible scream, the sound was so loud that the entire settlement center was alarmed.

[PS: This popular science is the author Jun checked the information for an afternoon to figure it out, and then I feel that I have a new knowledge reserve, but I don't know if you like to read these popular science, will you think it's in the water word count, everyone has expressed their opinions, if you think it's in water, you won't do this kind of popular science that has nothing to do with the main line in the future. 】