"I can't take this money!" Boss Jia sighed and refused when he saw the one billion RMB.
"Why?" Chairman Liu was shocked.
"Because I don't want to pay you interest!" Boss Jia rolled his eyes and said, "By the way, I'm here to pay back the money!"
"What money?" Chairman Liu was confused.
"Of course it's the ten billion RMB I borrowed. It should be in your account now. I transferred the money from Mitsubishi Bank this morning. You can check it!" Boss Jia murmured.
"You mean, you're here to pay back the ten billion RMB loan?" Chairman Liu finally realized what Boss Jia meant by paying back the money!
"Yes, otherwise why would I come to you? Do you think I have the face to borrow money from you again?" Boss Jia rolled his eyes.
"But … but we agreed that the deadline was three years. It's only been three months. How can you pay back the money?" Chairman Liu felt that his brain was not working well.
"Three years is the worst case scenario. If I have money, I'll definitely pay back the money to your bank as soon as possible. I know your bank is under a lot of pressure because of the ten billion RMB loan. It seems that many people are scolding your bank for giving sugar coated bullets to capitalism. Old Liu, I have a conscience. I won't make things difficult for you! "
"Besides, there's a saying that goes, if you pay back what you borrow, it won't be difficult to borrow again!" Boss Jia laughed.
"That's … that's …" Chairman Liu swallowed his saliva and said confusedly, "Actually, you don't have to pay back so early."
"Why? If that's the case, I'll pay back the money after three years. But I won't pay you the interest. You're the one who doesn't accept my money! " Boss Jia said with a grin. Chairman Liu reacted and quickly corrected his expression, "That's not right. You have to pay the interest for how long you borrowed it!"
"Then pay the bill for me!" Boss Jia said angrily. Chairman Liu immediately made a phone call to the revenue and expenditure center. Then, he frowned and said, "There is no money in the account. The total amount of RMB received today is only about 7 billion. Are you kidding me?"
"I don't think so. I've already told Mitsubishi Bank to transfer the money to you as soon as possible. Also, the money will be transferred directly through Mitsubishi Bank's branch in Hong Kong. It should be in your account by this afternoon! That's 10 billion USD. They won't cheat me of my money, right? "
"Wait, what did you say?" Chairman Liu couldn't even move his eyes. "What did you just say? How much did you transfer? "
"Ten billion USD!" Boss Jia sighed, then patted Chairman Liu on the shoulder and said, "Old Liu, you've done us a great favor this time. I won't forget your help. So this time, I've decided to deposit the 10 billion USD I earned from Fusang in your G&S Bank. "
"2 billion USD will be used to pay off the debt. As for the remaining 8 billion USD, you have to remember to calculate the interest for me … For the sake of our friendship, you can calculate the interest in RMB. But my precious USD, you can't mess with it!"
"You're saying that you asked Mitsubishi Bank to transfer 10 billion USD to our G&S Bank?!" Chairman Liu's eyes were finally able to move again.
"What's wrong? Is there a problem?" Boss Jia was surprised. Was he unhappy that he had deposited US dollars in his bank?
"Damn it, why didn't you tell me earlier? This money is going to be taken away by Mother Yang!" Chairman Liu suddenly rushed towards the elevator and said to his secretary, "Hurry up, arrange a car for me immediately. I'm going to the central bank, I'm going to see Mother Yang. Those bastards, don't even think about taking away our money!!!"
— — —
Let's rewind the time by two hours. It should be around 4 in the afternoon.
In the central bank's clearing center, there were thousands of people working in the shady main computer room of the clearing center.
The central bank was probably the first institution in the country to achieve a fully computerized central office. In the clearing center, there were thousands of the most advanced and expensive computers. In addition, there were five central servers working.
This was a 24-hour unit, because this clearing center was responsible for all the work and calculation of inter-bank transactions in Hua Xia.
Here is a brief introduction to the development of banks in the past few hundred years.
In the beginning, each bank was independent, and they all had their own special vault to receive deposits. But later, as the number of different banks increased, the need for inter-bank transfers appeared.
In the beginning, inter-bank transfers were really done by the bank staff. They transported silver or gold coins to the other bank's bank, and then received a hefty inter-bank transfer fee.
But there were many drawbacks. Not only did it consume energy and money, but if the money was robbed during the transportation process, it would be a big loss.
Later, these bankers found that under normal circumstances, the total amount of deposits between different banks did not change much, so these bankers decided not to transport cash anymore. Instead, they directly sent a summons, which was an encrypted money order. Finally, all the money orders were settled every month, and then the balance was transported in one lump sum. This saved a lot of money transfer costs.
This solution worked very well, so it was loved by bankers all over the world. Hua Xia used this solution before 90 years.
People who had done inter-bank transfers before 90 years ago may remember that at that time, if you wanted to transfer money between banks, the waiting time was at least 72 hours, and the longest was even half a month.
Because after the transfer, the bank could only mail the money order through the post office to the bank you wanted to transfer money to, so the transfer time depended on how long the money order had been in the post office.
This was still a transfer between one's own bank account. If you wanted to transfer the money to another person's account, then you need to personally send the money order to the post office, and then send it to your own payee. Then the payee can take this money order to the bank to withdraw the money … If the bank's post office was a little slower, the payee couldn't withdraw the money. He could only withdraw the money when the bank sent the money order internally.
Anyway, inter-bank transfers were extremely troublesome. It was not like now, where people could just tap on the mobile phone. People were more interested in direct cash transactions.
Later, in 1990, the situation changed. At that time, inter-bank transfers were more than a million times a day in the country. The postal system was about to collapse because of these inter-bank transfers. In addition, many foreign banks had used advanced computer management systems.
So the central bank decided to build a national clearing center. This clearing center was indeed very advanced. There were thousands of computers mentioned before, and thousands of trained professional operators.
In addition, there was a dedicated communication satellite in the sky and a national bank electronic network system, which simplified the inter-bank transfer business.
After the construction of this clearing center, if each bank needed to transfer money, it would not be directly sent to the other bank, but to the central bank's clearing center. After the central bank cleared it, it would be transferred to each destination bank. This way, all the transfer business could be centralized.
Moreover, the remittance did not need to be sent through the post office like before. Each major bank had to build its own branch clearing center, and then through the branch clearing center's computer, it would be converted into an encrypted message.
After that, the message would be sent to the central bank's clearing center through the satellite network. Then, the clearing center would send the message to the destination bank again. Then, the destination bank would decrypt the message and complete the transfer.
After that, the central bank would settle the money once a month and send it to each bank's vault. In this way, the inter-bank transfer time could be shortened to less than 24 hours.
This management system was still in use until 2020, and it still used a dedicated satellite to communicate. Because this way, hackers could not invade the system through the network and modify the bank's data.
So in the hacker novels that everyone read, there was a powerful hacker who could modify his bank balance and so on. This was because the network could not be connected to another satellite communication system, and it could not be verified by the central bank, the middleman.
Alright, that's all. Let's get back to the main topic. At 2 o 'clock that day, the originally quiet settlement center was suddenly filled with an uncontrollable scream. The sound was so loud that it alarmed everyone in the settlement center.
[PS: The author spent the whole afternoon looking for information to figure out this science. After that, he felt that he had a new knowledge reserve. But I don't know if everyone likes this science, and if you feel that it is a waste of words. Everyone, please express your opinions. If you feel that it is a waste of words, then don't do this kind of science that has nothing to do with the main story in the future.]
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