Shortly after Rogrid's resignation, a group of financial conglomerates set up a Xinxiang United Bank.

The bank's holding parent company is a professional investment company, located in XX City, Miguo, so it is called Xinxiang United Bank. However, it is registered in the Mecane Islands and its operations are located in Brusse, Bellie.

After the establishment of Xinxiang United Bank, the key business is the digital Huanxiang coin.

The digital Huanxiang coin is essentially a voucher for delivery, but it has typical monetary characteristics, with pure gold physical coins and Chunrong Dan guaranteeing its credit.

The Huanxiang coins owned by everyone in the digital account are not paid interest by the issuer Huanxiang Industrial Bank, and only promise to be convertible into gold coins.

Xinxiang United Bank has launched the deposit and loan business of Huanxiang coin, which is equivalent to currency of Huanxiang coin.

Holders transfer the digital Huanxiang Coins from their own account to the account of Xinxiang United Bank, which is equivalent to deposit.

Xinxiang Bank pays interest on deposits, initially at a base annual interest rate of 0.5%, and then gradually increased to 1% and 1.25%...... Until June 2047, it is 2.5% higher.

There are two reasons for the continuous interest rate hikes, one is to expand the asset size, attract holders to transfer digital Huanxiang coins to the bank, and the other is to compete with similar institutions.

Xinxiang Bank was the first financial institution to carry out this business, and its sense of smell was the most sensitive and fastest, and then other financial institutions followed suit, but Xinxiang Bank has achieved a great first-mover advantage.

The bank's shareholders injected 3 billion Silla won, and in order to replenish liquidity, it also issued 400,000 Tier 1 bonds.

By June 2047, it has more than 10 million Huanxiang coins under management, accounting for more than 40% of the total Huanxiang coins in circulation in the international market. Based on the real-time exchange rate, these coins are equivalent to 50 billion Silla won.

In the international financial market, 50 billion Silla won is not a huge number, but if it is used to run a private bank, no one can stand it!

What's more, these assets are Huanxiang coins, which can be used to run on gold from Huanxiang Industrial Bank!

Xinxiang Bank injected capital in the name of 3 billion Silla Yuan, but leveraged the huge assets of more than 10 million Huanxiang coins, which is only a very common leverage on the surface.

Theoretically, the interest expense of banks' deposits mainly comes from the interest income from loans issued to the outside world. Therefore, one of the key businesses of Xinxiang Bank is to provide Huanxiang coin financing to the outside world, which has made a great contribution to the development of the Huanxiang coin circulation market.

Rochard is not the largest shareholder of Xinxiang Bank, and his investment in a group of sharks is only one medium shark, but he is the core figure in the bank's operation.

The reason why Xinxiang Bank's business has been able to run so smoothly is that people know about his special relationship with Lord Feng Zibin for many years.

Xinxiang Bank has done a good job in risk control, with stable operation and excellent performance. On the other hand, shareholders do a better job of risk control, and their assets are safe.

The so-called "risk control of shareholders" and "risk control of banks" are two different things.

The core of "risk control of banks" is the safety of the bank's own assets, so as to avoid operating losses or even bankruptcy of the bank as much as possible.

The core of "shareholder risk control" mainly refers to the fact that even if the bank goes bankrupt, the shareholders will not suffer substantial losses.

Part of the bank's loans are to finance the projects of the shareholders, and the total amount of capital injections by shareholders has already exceeded S.3 billion won.

In the unlikely event that the bank fails, these loans may not be recovered.

Of course, these are just just in case, as long as Huanxiang Coin does not have an accident, or Huanxiang Industry does not lift the table, the bank's assets are very safe.

The reason why I introduce these is just to show that the more than 10 million Huanxiang coins controlled by this group of people through the establishment of Xinxiang Bank were not purchased by them with their own funds.

Its main source is depositors' assets, and Rogrid and others did not even pay a penny for it, and they made a lot of money from it.

Of course, Hua Zhenxing has all this information.

Hua Zhenxing's main source of intelligence is not Rochand, and Huanxiangguo's intelligence department is not a vegetarian

, don't forget what the current president Wang Fengshou came from.

In addition to the intelligence agencies of the Huanxiang Country, there are also a large number of Yangyuan Valley disciples, as well as an even larger number of members of the Yangyuan Art Association scattered around the world, all of whom can build an intelligence network.

For Rochard, it was enough for him to have a secret meeting with Hua Zhenxing and remind Hua Zhenxing of what would happen.

By the second quarter of 2047, the latest information shows that Xinxiang United Bank has retained its external Huanxiang coin loans in batches, with a total of more than 10 million Huanxiang coins.

Fortunately, Huanxiang Coin is not the only payment method for Chunrong Dan's payment, and countries can also pay Dongguo Currency or Silla Yuan, otherwise such a move will cause the liquidity crunch of Huanxiang Coin and the difficulty of Chunrong Dan's payment.

Xinxiang Bank retains a large amount of Huanxiang currency and no longer lends to foreign countries, and has also raised interest rates, what does this mean? It's clear that there will be big moves!

On the bright side, the emergence of Xinxiang United Bank has made holders willing to deposit Huanxiang coins in the bank, which greatly reduces and resolves the pressure on the issuer to redeem gold coins.

But to put it another way, what if the run is Xinxiang United Bank? This was Rochard's prophecy! So Tang Senzhi, Hai Lanzhu and others have been waiting, and today they finally waited for the boots to land.

At noon that day, a group of more than 10 people came to the business department of the head office of Huanxiang Industrial Bank in Feisuogang City, led by a woman with short blond hair.

Her name is Soloren, and she is the executive director of Xinxiang United Bank and the representative of the controlling shareholder. He was accompanied not only by senior bank staff, but also by legal counsel and journalists from several media platforms.

Soloren came to the gold exchange counter like a normal customer.

On the left side of the lobby of the head office, there is a separate area where the exchange window for physical gold coins is usually used for small amounts of money exchanged by tourists from all over the world. Exchanges of more than 10,000 pieces are also designated here.

Soloren is over sixty years old this year, but he looks like he is only about forty years old, not because he has achieved cultivation, but obviously because he has eaten too much Chunrong Dan.

According to Hua Zhenxing, the security guard on duty in the lobby, this person should have taken nine boxes of Chunrong Dan.

Although Chunrong Dan can be taken by ordinary people, there are also dosage restrictions. A maximum of three boxes should be taken at the same time, and a maximum of nine boxes should not be taken in total.

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。 Yun Mo had broken through the cultivation of the Six Realms the year before last, and he was already a Dacheng monk at a young age, and his talent was really excellent.

Do it according to the normal procedures? Then take them out one by one, and tell the vault to continue shipping them to the window.

Sololon's attaché opened the suitcase he was carrying, it was not small, but it was obviously not enough to hold two hundred tons of gold, and inside was the portable equipment they had brought with them, ready to sample the authenticity of the gold coins they had taken.

At this time, Tang Wenwan, who was a little dazed, reminded again: "You can test it yourself, but before handing over the gold coins to you, we must also conduct inspections to ensure that the gold coins handed over to you are of sufficient purity.

You can send someone to supervise the inspection process, and finally sign it for confirmation, and we will record the whole process."

Hua Zhenxing secretly praised the words on the side, although this girl encountered a sudden situation, but the business training was not bad, and the whole process was remembered very clearly.

Lopeggan, with his thick, wavy blonde hair, stepped out and turned on the power of a device against the wall. This is a radiographic detector prepared by the bank to detect the composition and content of various metals to verify the authenticity of gold coins.

The security guard said, "Inspector, you have to wear a radiation suit!"

Lopgen went to the back and changed into a radiation suit and came back, and he also put on a hat and face shield. X-ray detectors are radiated, but they are shielded by housings, which usually have a negligible impact on the operator, so there is no need to exaggerate it.

But today's situation is different, it is necessary to keep the machine on for continuous testing, and the cumulative radiation dose cannot be ignored, so it is necessary to wear a radiation protection suit to show that the procedure is formal.

The results of the radiographic detector are very accurate, but they also have defects, and the detection range is only one millimeter into the metal surface.

If it is a thick gold bar or gold bar, if it is wrapped with a metal such as tungsten, its specific gravity is about the same as gold, and it cannot be detected by this non-destructive method.

This is not the case with physical gold coins, which have a maximum thickness of only two millimeters with a pattern, and this instrument can detect both sides.

During the operation of Lofogen, Yun Mo introduced the detection principle to Soloren, and told Soloren that they could also test it themselves, but the bank had to ensure that the gold coins handed over to them were genuine, and they had to sign to confirm it.

Normally, if a gold coin is signed once, 10 million gold coins must be signed 10 million times for confirmation, and all hands have to be signed. Yun Mo is also very understanding, and after negotiation, he promised the other party that he could sign once a day.

That is, after the end of the daily exchange, sign to confirm the total number of physical gold coins exchanged that day, and the quality is confirmed. This negotiation process is also fully documented.

Standing here and waiting was too tiring, Yun Mo also intimately asked the staff to bring chairs and a small coffee table, let them sit and wait, and drink some tea while packing up the gold coins.

In order to prevent other customers from watching, this corner of the lobby was specially put up with a separation belt, and the security guard of Hua Zhenxing was on duty.

Soloren didn't react at first, because the situation was completely different from what she expected, and the exchange window did not have any objections to the "10 million coins" and this number, and the exchange began according to the normal procedures!

Huanxiang Industrial Bank, Huanxiang Industrial, and Huanxiang Country did not have any senior leaders who came forward to ask for consultation with her, and the highest-level reception staff on the scene was just a lobby duty manager.

A lobby manager, a teller, a security guard, a detector, and four ordinary grassroots workers will give this business that may shock the world and shake the order of the international financial market.

Soloren sat there watching the scene, feeling so absurd, as if all he was hallucinating was.

Hallucination or not, the exchange continued, with gold coins coming out of the window, tested in batches, and handed over to Soloren's attaché.

The number of bank staff has increased by five. The two of them helped deliver the gold coins, unwrap them and restore the packaging, while the other two chose the camera to set up the equipment and began to track and record all the details at close range.

There were originally multiple monitoring positions in the lobby, but in order to be safe, Yun Mo notified the bank's external propaganda department and sent someone to record the exchange process

Prevent disputes after the fact.

The other person is the president, Ms. Hai Lanzhu.

Looking at it, Ms. Soloren finally felt that something was wrong, she subconsciously began to pinch the watch and time, calculate the speed of gold coin exchange, and then a sneer appeared on the corner of her mouth, as if she had seen through the other party's small abacus.

A radiographic detector can inspect 10 gold coins at a time and produce results in a few seconds, but it also takes time to set the switch, and can only detect thousands of coins in an hour.

10 million gold coins have to be exchanged for the Year of the Monkey!

Obviously, Huanxiang Industrial Bank's trick is to delay first, and find a way while procrastinating. Seeing through this, Soloren stood up and negotiated with Hai Lanzhu, saying that the exchange speed was too slow!

Yun Mo said that this is the business process that the bank has been doing since its establishment, and the relevant staff have worked hard. The problem is not that the banks are slow to exchange the numbers, but that there are too many of them to be exchanged.

This is not a voucher transfer, but a physical transfer, and the physical transfer inevitably involves the issue of efficiency. Why did Huanxiang Industrial Bank launch the digital Huanxiang coin? It's just for trading efficiency!

In Hai Lanzhu's view, since Soloren has chosen this kind of inefficient physical exchange, he should be mentally prepared.

Soloren then went on to suggest that the gold coins could not be inspected in full, but by random inspection. Hai Lanzhu was gentle and resolute, Soloren can not be particular, but the bank cannot be unparticular.

The gold coins exchanged by Huanxiang Industrial Bank to customers must be tested on the spot, which is a hard and fast rule!

Xu is because the negotiation process was monitored and recorded throughout the process, and the other party also brought reporters from the media platform, and the bank's attitude was very positive, anxious about what customers were anxious about, and thinking about what customers thought.

On the premise of not violating the work regulations, the staff sincerely helped customers solve problems, special treatment in special circumstances, and urgently moved another spare detector out, and added an inspector, which greatly improved work efficiency.

President Hailanzhu showed up and extended his cordial condolences to the customer, and then changed into protective clothing and went to work in person!

When Soloren saw that the newly added inspector was actually the president of Huanxiang Industrial Bank, he was also a little embarrassed, and he didn't know how to answer on the spot.

The exchange work is still continuing, taking into account the work intensity of the personnel, the anti-overload heat dissipation of the instrument and other intermittent times, Soyellen pinched the watch and calculated the fastest exchange speed at this moment, which is about 10,000 pieces per hour.

Then 10 million Huanxiang coins need to be exchanged for 1,000 hours, and if it is 24 hours a day, it will take 42 days, which is nearly a month and a half.

Seeing this, Soloren was even more sure of his judgment, Huanxiang Industry was delaying time, perhaps because she came too suddenly, and the other party hadn't thought of a countermeasure yet.

Just when Soloren was thinking this, the exchange work suddenly stopped, and Yun Mo came over and apologized to inform her that the bank was off work today.