Zhang Zhonghua and Pu Weishi came to the head office of the Jade Emperor Building, and the bank decoration was relatively luxurious, and there were all VIP rooms and the like.

Ten storage windows, with PDP-8S computers and printers on the counters, are not much different from the layout of the future bank.

Zhang Zhonghua operated on the computer, but the response speed is still very slow, and the data center is located in Dongjin, and a sub-data center has been set up in Dongjin, Kyoto, Fukuoka, and Hokkaido.

As for cross-city withdrawals, hehe, the same handling fee as the bank's counterparts is 4%, we invest so much money, computer equipment investment so much, we have to recover the cost, you want to enjoy this service, you should pay some money, right?

"How's the preparation going at the supermarket?"

There are some discrepancies between bank cards and thinking about themselves, and the real bank checkout will have to wait for the third-generation cash register system to come out.

Supermarkets can only set up one or two bank card checkout windows, after all, computers are too expensive, and they can only temporarily support large-value payments.

"Each supermarket offers three bank cash registers, one on the first floor, and the service desk also has a cash register system. It mainly relies on the Jade Emperor Bank at the entrance of Carrefour supermarket, which is relatively convenient. ”

Pvis said.

Zhang Zhonghua was also depressed after hearing this, but unfortunately he can't transfer money between banks now, and the technology is too immature, and no bank dares to do this.

Plastic cards do not have any anti-counterfeiting measures, and there is no way to control the theft of human funds, and it is impossible to require the user's ID card to be exactly the same as the current one.

There were already hackers in the 60s, and Zhang Zhonghua was also extremely admired. The Massachusetts Institute of Technology (MIT) Technical Model Railroad Club in 1961, when club members hacked their high-tech trainsets to modify functionality. Then, they moved from the toy train to the computer realm, using the difficult and expensive IBM 704 computer to innovate, explore, create new paradigms, and try to expand what computers can do.

Although the development of computers is slow, the development of hackers is not slow, and in the 70s, hacking technology will also develop by leaps and bounds. Its own C language provides an excellent computer language for hackers, and it is not easy for banks to develop.

Zhang Zhonghua used the computer to enter the software to operate it, and there was no problem with the banking system, and the performance was not bad, but more than a dozen engineers from the ugly country also needed to stay in Dongying for the time being, continue to maintain the system, and also train the computer team in Dongjin.

"Tell me about the history of the World Bank and some things about international settlement."

Zhang Zhonghua really doesn't know much about these messy international organizations, and international transfers are also troublesome.

"The Bank for International Settlements (BIS) was established in accordance with the Hague International Agreement signed in the Netherlands on 20 January 1930 and was founded in May of the same year by the central banks of the six countries of Great Britain, France, Italy, Germany, Belgium and the East of the United States, as well as the banks of Morgan and Citibank, which represented the interests of the banking community in the country, and was headquartered in Basel, Switzerland.

The main purpose of the Bank for International Settlements (BIS) was to deal with the payment of German reparations after the First World War and to settle the question of international settlement against Germany.

Later, after World War II, the Bretton Woods International Monetary System was established, forming an international monetary system centered on the US dollar, and new international financial institutions such as the International Monetary Fund and the World Bank were established.

It is a global international financial institution that serves as the organizing body for the implementation of this international monetary system. Of course, in other regions, similar international financial institutions, such as the Inter-American Development Bank, the African Development Bank, the Asian Development Bank, etc., have been established for the financial settlement of international operations.

In addition, the International Monetary Fund (IMF) was formally established in December 1945 in accordance with the "International Monetary Fund Agreement" adopted at the United Nations Monetary and Financial Conference held in Bretton Woods in July 1944, headquartered in Washington, the capital of the United States.

The purpose of the International Monetary Fund (IMF) is to help member countries balance their balance of payments, stabilize exchange rates, and promote the development of international trade. Its main task is to address the temporary imbalance in the balance of payments and the foreign exchange funding needs of Member States through the provision of short-term funding to Member States, so as to promote exchange rate stability and the expansion of international trade.

According to the International Monetary Fund Agreement, any country that participated in the 1944 Bretton Woods Conference and signed the agreement is called a founding member. After that, the countries participating in the IMF are called other member countries. There was not much difference in the legal rights and obligations of the two Member States, mainly developed countries.

Each member country participating in the IMF is required to subscribe to a certain share of the fund, which is closely related to the interests of the member state, and the amount of voting power of the member state and the right to obtain loans from the IMF depend on the size of the country's share. That is, the more you subscribe, the greater the benefits you get.

The main business of the IMF is: to issue various types of loans; to discuss international monetary issues; provision of technical assistance; gathering monetary and financial intelligence; Dealings with other international bodies. ”

After listening to Pu Weishi's explanation, Zhang Zhonghua still had some partial understanding: There are many international financial institutions, and the International Monetary Fund is only one, and it is centered on ugly countries.

During the Asian financial crisis, Southeast Asian countries were not lightly pitted, and even the sticks and Dongying did not let go, the real conscience of US imperialism.

"So what's the World Bank?"

Zhang Zhonghua asked.

Founded in 1945 and officially opened in June 1946, the World Bank is composed of four member institutions: the International Bank for Reconstruction and Development, the International Development Association, the International Finance Corporation and the International Centre for Settlement of Investment Disputes.

The World Bank was officially established on 27 December 1945 after the Bretton Woods Conference and became a specialized agency of the United Nations in November 1947.

The World Bank's purpose is to help European countries and the East to rebuild after World War II, as well as to support the economic development of African, Asian, and Latin American countries.

At the beginning of its establishment, the World Bank mainly financed Western European countries to restore the war-damaged economies, but after 1948, European countries began to rely mainly on the "Marshall Plan" of the ugly countries to restore the post-war economy, so the World Bank mainly turned to providing medium- and long-term loans and investments to developing countries to promote their economic and social development.

The World Bank is working to reduce the gap between rich and poor countries around the world, and to translate the resources of rich countries into economic growth for poor countries. As one of the world's largest providers of development assistance, post-war reconstruction remains an important element of the World Bank's work.

In the early days, the World Bank had an authorized capital of $10 billion, with a total capital of 100,000 shares of $100,000 per share. All Member States are required to subscribe for shares in the Bank, the amount of which is negotiated between the applicant country and the Bank and approved by the Board of Directors of the Bank.

There are two ways to pay for the shares subscribed by Member States: 20 per cent of the shares subscribed by Member States. Of this amount, 2 per cent is to be paid in gold or United States dollars and 18 per cent in the national currency of the Member State; The remaining 80% of the shares, when urged by the Bank, are paid in gold, US dollars, or the currency required by the World Bank. Purvis explained.

"Then the World Bank and the IMF are not duplicative and antagonistic, after all, the IMF is for the developed countries, and the World Bank is for the developing countries."

These two international organizations did not take Lao Maozi's big brother in their eyes at all, and now the ugly country is an economic hegemon, and Lao Maozi can only endure it silently.

"The members of the World Bank must be members of the IMF, but not all members of the IMF participate in the World Bank, and the World Bank and the IMF play a complementary role.

The International Monetary Fund (IMF) is primarily responsible for issues related to international monetary affairs, and its main task is to provide member countries with short-term foreign exchange funds to resolve temporary imbalances in the balance of payments, so as to eliminate foreign exchange controls and promote exchange rate stability and the expansion of international trade.

The World Bank is mainly responsible for economic recovery and development, and provides medium- and long-term loans to member countries for economic development."

Although the United Nations is an ornament, international trade still needs to be carried out, even if the Third World War begins, it is inseparable from two banks, and post-war reconstruction does not have to be handled by the World Bank.

Pu Weishi also felt very speechless, isn't the Bretton Woods system going to replace the status of gold, and the status of the dollar cannot be shaken, otherwise the world will be in chaos again.

"Boss, when will we officially launch the credit card business, and now the credit card has been developing in Dongying for a year or two."

Zhang Zhonghua was also very moved when he heard Pu Weishi's proposal, the credit card now has an interest-free repayment period of only one month, and the handling fee is also relatively expensive.

It's a pity that the current conditions of the Jade Emperor Bank are not very mature, and there is no way to determine the credit limit, and the credit system cannot be established, so the credit card cannot be used.

The employees of the group said that they knew that the salary situation could be divided into credit line grades, and Hong Kong Island had also implemented it, and the salary limit handling fee for half a year was relatively low.

"Let's run it for half a year first, first count the family income information of depositors, and then launch it when the information is almost counted.

It is also a problem for users to cash out multiple credit cards in a row, and the banking system also has a credit score evaluation system, so it doesn't matter if it is half a year later.

However, it is possible to apply for credit cards for a small number of high-income groups alone, after all, they are not bad for money and are high-quality credit card users. ”

There are also a lot of regional banks in Dongying, and the Jade Emperor Bank can kill them in seconds in terms of scale and business capabilities, of course, compared with the banks of those consortia, the Jade Emperor Bank has no state backing.

"How's going on Hong Kong Island now?"

Zhang Zhonghua asked.

In order not to waste foreign exchange reserves, the Jade Emperor Bank can only open 10 new branches to absorb reserves, but the money for paying salaries to employees must always be solved.

There are still not enough talents on Hong Kong Island, and the technicians have only arrived on Hong Kong Island after building Dongying's system, which is really helpless.

"The Jade Emperor Bank on Hong Kong Island has been renovated, the line has been laid quickly, the bank cards have been issued to the employees, and the opening of Dongying has begun after the opening.

Macau's banks still need to wait for a while, and the financial license has just been applied for over there, and the specific opening time has not yet been determined. ”

Purvis explained.

"Yes, let's set up branches in Taipei, Taichung, Tainan, and Kaohsiung, and it will also facilitate our international currency settlement."

As long as there is a CFC restaurant, it is easy to apply for a banking license, and CFC restaurants can solve the employment of many people.

】

Soon it was time for all 110 branches of Jade Emperor Bank to open in Dongying, and companies that had business dealings with Jade Emperor Group sent opening flower baskets one after another.

However, Zhang Zhonghua didn't do any work when the bank opened, he was very low-key, and this is not a restaurant and vegetable market that everyone needs to consume, so it's better to be serious.

Only by relying on a strong consortium can we gain the trust of depositors, and the banks in Dongying are much more standardized, and it is still very difficult to use depositors' money to develop themselves, and the credibility of the banks is not those on Hong Kong Island.

……

Carrefour supermarket.

"Fat Tiger, Carrefour has started to engage in activities again. As long as you apply for a bank card of Jade Emperor Bank, and store more than $1,000, you will get a $10 voucher for Carrefour supermarket, and if you store more than $5,000, you will get a $100 voucher, which is too worthwhile. ”

"Hey, I don't know if the Jade Emperor Bank has a credit card, you also know that I just bought a house and now I have money to deposit, I still want to take out a loan to decorate."

Fat Tiger said depressedly.

"Even if you have a credit card, it won't be launched now, Carrefour supermarket can also use a bank card to settle the bill, I'm going to get one now, and it will be very convenient to buy things at Carrefour later."

"Okay, let's go together, I'll get one too, Carrefour supermarket is still very good, basically one supermarket can buy everything."

While talking, the two walked out of the Carrefour supermarket, and then saw that the Jade Emperor Bank had formed a long queue, and when they walked in, they saw that there were so many gifts given to them.

Save more than $100 and get a $1.5 burger combo coupon at CFC Restaurant;

Store more than $1,000 and get a $10 voucher for Carrefour supermarket;

If you store more than $2,000, you will receive a small fan of Jade Emperor Electric;

$100 voucher for storing more than $5,000;

Store more than 10,000 US dollars, get a Jade Emperor Electric induction cooker.

"If you deposit more than $10,000 in Jade Emperor Bank, you will receive an induction cooker worth $300, the induction cooker produced by Jade Emperor Electric is really convenient, but $10,000 is not a small number."

"You can also do credit card business here, but it is currently open to depositors with a monthly salary of more than $500, and I just meet this condition."

Fat Tiger said excitedly.

The monthly salary is $500, and the Jade Emperor Bank credit card can be overdrawn by $1,500;

With a monthly salary of $1,000, the Jade Emperor Bank credit card can be overdrawn by $3,500

It is equivalent to being able to overdraft more than 3 months' salary, which can completely solve the urgent need.

CFC Restaurant.

Shizuka looked at the billboard in front of the CFC restaurant, applied for a savings card from Jade Emperor Bank, gave a CFC restaurant package, and gave a movie ticket.