Just when Han Feng closed his eyes and lay in the driver's seat, planning in his heart how to promote the construction of the financial system of the Apocalypse Organization.

Wang Yingyu had already taken Qiao Dongliang and Cao Kai to the Unimog RV.

At the same time, Lu Jiaren and Xue Xiuqin, two experienced staff members of Xunzhou Bank, also followed Cao Kai closely to the RV.

When the four people named by Han Feng boarded the Unimog RV, a critical moment came to the construction of the financial system of the Apocalypse Organization.

Qiao Dongliang sat on the sofa in the living area of the RV and began to report to Han Feng about his vision for the construction of the financial system of the Apocalypse Organization.

"Now the Apocalypse Organization, before building a financial system, must first build a standard currency that belongs to the Apocalypse Organization."

Qiao Dongliang obviously did his homework during the time that Han Feng was not in Fucheng.

"Before the outbreak of the apocalyptic virus, countries around the world generally adopted the paper money standard system, using paper money as legal tender and forcing the people to use paper money, but I think the paper money standard is not suitable for the end times."

"In this chaotic situation of the last days, I think that money should still be bound to some kind of precious metal, such as the gold standard that has been in place for hundreds of years, is a good choice."

As soon as Qiao Dongliang's words fell, Han Feng frowned and began to think.

Indeed, as Qiao Dongliang said, the gold standard system and the monetary system must have its advantages if it can exist for hundreds of years.

But now is the last days when materials are very scarce, and whether gold can still have enough purchasing power is also a big question.

When a person is dying of starvation, a piece of gold is clearly not worth a bite of food.

Sitting on the other side of the sofa, the three people who originally belonged to Xunzhou Bank, after listening to Qiao Dongliang's suggestion to use the gold standard as legal tender, lowered their heads and began to whisper, Lu Jiaren and Xue Xiuqin, who had rich work experience, also leaned into Cao Kai's ear and whispered something, obviously they had different views on the gold standard system.

"Cao Kai, although you have just joined the Fucheng Security Zone, I still want to hear your opinion."

Han Feng found that several people from Xunzhou Bank, after sitting aside and whispering, directly named Cao Kai to express his opinion.

Cao Kai first raised his head, glanced at Qiao Dongliang beside him, and then slowly said: "I basically don't have much opinion on the monetary reform system proposed by Mr. Qiao, but I have different opinions on what kind of things to use as collateral for currency. ”

After Qiao Dongliang heard Cao Kai's different opinions, he also sat up straight, and stretched out his hand to signal Cao Kai to say his opinion.

"The gold standard that Mr. Qiao said, I believe that anyone who has studied finance has learned that although this is a relatively stable monetary system, it is not very practical for the last days."

"Although the gold standard is relatively stable, there is also a premise, that is, there can be no large-scale war outbreak, if there is a large-scale war outbreak, the exchange rate of gold will fluctuate greatly, which will lead to the collapse of monetary credit, and after the outbreak of the apocalyptic virus, the zombies and mutant beasts that appear have completely changed the stability of human life, and human life is full of uncertainty now, so it is not advisable to implement the gold standard now."

"And now the composition of human society has also changed a lot, maybe Mr. Qiao is still looking at the world from the eyes of ordinary people, but since there are evolutionaries, the whole world is different."

Han Feng saw that Cao Kai had already said a long tirade, and stretched out his hand to stop him from continuing to expand the topic, but said directly: "You can just say your idea directly." ”

After Cao Kai saw Han Feng interrupting him, he didn't continue to expand downward, but said quickly: "I recommend using the bronze-level zombie crystal nucleus as a pledge for currency, the zombie crystal nucleus is an important strategic material, its importance is self-evident, only the zombie crystal nucleus in the last days can make the survivor transform into an evolutionary, and it is very suitable to use it as a pledge." ”

Regarding Cao Kai's proposal to use the bronze-level zombie crystal nucleus as a pledge, Han Feng was also a little moved.

Zombie crystal nuclei and life cores, as the two most important strategic materials in the last days, are naturally valuable and not to be underestimated, and their value retention and stability are very good.

"What about the corresponding payment method?"

If the gold standard is adopted, relying on the characteristics of gold that can be smelted and cut, it can be directly used as currency, but if the zombie crystal nucleus is used as collateral, the zombie crystal nucleus is of huge value and cannot be split, which is the problem.

However, apparently, when Cao Kai proposed to use the bronze-level zombie crystal nucleus as a pledge, he had already figured out how to let ordinary survivors use it, and he said unhurriedly: "This problem is actually very easy to solve. ”

"At present, all transactions that require currency in the Apocalypse organization occur within the organization and will not extend to other organizations, so we only need to carry out internal credit accounting."

"Internal credit bookkeeping?" When Han Feng heard this name, he frowned slightly.

"That's right! It's internal credit bookkeeping! ”

Cao Kai then explained: "The number of all survivors in the Fucheng Security Zone is not too large now, and the Apocalypse Organization will quarantine every survivor who enters the Fucheng, and at this quarantine stage, we can register the details of the survivors and issue credit vouchers, which are in duplicate, and the Apocalypse Organization and the survivors each hold one copy. ”

"Every time a survivor turns in supplies or completes work, they need to take the initiative to register with the Apocalypse Organization and update the balance of assets on the credit voucher."

When Han Feng listened to Cao Kai's solution, he quickly understood the other party's idea.

Cao Kai wants to build an online payment system similar to that before the outbreak of the apocalyptic virus.

Each credit voucher will be bound to the individual, and the payment system, which was originally managed by the network, will be counted manually.

According to the current total population of the Fucheng Security Zone, although it is a bit cumbersome to manually register every day, it is not unacceptable.

After all, there are no complicated third-party transactions in the Fucheng Security Zone, and all the survivors' transactions are basically with the Apocalypse Organization, and the workload of manual registration is acceptable.

"Sure enough, it was the back waves of the Yangtze River that pushed the front waves."

Qiao Dongliang, who was sitting on the side, couldn't help but nod his head after listening to Cao Kai's suggestion.

He did feel that there was something wrong with the suggestion he had just made.

With the extraordinary power of the evolutionary, it is necessary to take the variable of the evolutionary into account when formulating various plans, otherwise the effect may deviate greatly from the expected.