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Shortly after Rothchild left, a group of financial consortium established a Xinxiang United Bank.

The bank's holding parent company is a professional investment company located in XX City, United States, so it is called Xinxiang United Bank. However, its registered place is in the Mancay Islands of the United States, and its business institutions are located in Brussels, Belgium.

The key business of Xinxiang United Bank after its establishment is digital Huanxiangcoin.

Digital Huanxiang Coin is essentially a delivery voucher, but it has typical currency characteristics. It has pure gold physical coins and Chunrong Dan to guarantee its credibility.

The issuer Huanxiang Industrial Bank does not pay interest for the Huanxiang coins that everyone has in their digital accounts, and only promises to be exchangeable for gold coins.

Xinxiang Hezhong Bank has launched the deposit and loan business of Huanxiang Coin, which equates Huanxiang Coin to currency.

The holder transfers the digital Huanxiang Coin on his or her account to the Xinxiang Hezhong Bank account, which is equivalent to a deposit.

Xinxiang Bank pays interest on deposits. At first, the base annual interest rate was 0.5%, and then gradually increased to 1%, 1.25%... until it was raised to 2.5% in June 2047.

There are two reasons for continuously raising interest rates. One is to expand the scale of assets and 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 launch this business. It had the sharpest sense of smell and the fastest actions. Other financial institutions followed suit, but Xinxiang Bank has gained a great first-mover advantage.

The bank's shareholder capital injection was NT$3 billion. In order to supplement liquidity, it also issued primary bonds totaling 400,000 Huanxiang coins.

By June 2047, the Huanxiangcoin assets under its management had exceeded 10 million, accounting for more than 40% of the total Huanxiangcoin circulating in the international market. If calculated based on the real-time exchange rate, these Huanxiang coins are equivalent to 50 billion Xinluo dollars.

In the international financial market, SGD 50 billion is not a huge number, but if it were used to run on a private bank, no one would be able to bear it!

What's more, these assets are Huanxiang coins and can be taken to Huanxiang Industrial Bank to run on gold!

Xinxiang Bank injected capital in the name of 3 billion Xinluo dollars, but it leveraged a huge asset of more than 10 million Huanxiang coins. This is only a very common leverage on the surface.

Theoretically, a bank's interest payments on deposits mainly come from interest income on loans issued to external parties. Therefore, one of the key businesses of Xinxiang Bank is to provide external financing of Huanxiangcoin, which has made a great contribution to the development of the Huanxiangcoin circulation market.

Rothchild is not the largest shareholder of Xinxiang Bank. His investment volume is only a medium-sized shark among a group of sharks, but he is the core figure in the operation of this bank.

The reason why Xinxiang Bank's business can develop so smoothly is that people know the special relationship between him and Lord Feng Zibin for many years.

Xinxiang Bank's risk control is very good, its operations are stable and its performance is excellent. On the other hand, shareholders have better risk control and their assets are very safe.

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

The core of "bank risk control" is the safety of the bank's own assets, and trying to prevent the bank from operating losses or even bankruptcy.

The core of "shareholders' risk control" mainly means that even if the bank goes bankrupt, shareholders will not suffer substantial losses.

Part of the loans issued by the bank are to provide financing for shareholders' projects, and the total amount has already exceeded the shareholder capital injection of NT$3 billion.

If the bank goes bankrupt, these loans may not be recovered.

Of course, these are just precautions. As long as nothing happens to Huanxiang Coin, or Huanxiang Industrial does not flip the table, the bank's assets will be safe.

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

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

Of course, Hua Zhenxing has all this information.

Hua Zhenxing's main source of intelligence was not Luochaide, and Huanxiangguo's intelligence department was not a vegetarian either. Let's not forget what the current president Wang Fengshou was like.

In addition to Huan Xiangguo's intelligence agency, there are also a large number of Yangyuan Valley disciples and an even larger number of Yangyuan Technique Association members scattered around the world. They can build an intelligence network.

For Rozchild, it was enough that he deliberately met in secret with Hua Zhenxing to remind Hua Zhenxing what was going to happen.

By the second quarter of 2047, the latest information showed that Xinxiang Hezhong Bank had recovered its external Huanxiangcoin loans in batches and kept them in its account, with the total amount exceeding 10 million Huanxiangcoins.

Fortunately, Huan Xiang Coin is not the only way to pay for Chun Rong Dan. Countries can also pay in Dongguo currency or Xinluo Yuan. Otherwise, such a move will cause the liquidity of Huan Xiang Coin and Chun Rong Dan to be difficult to pay for. .

Xinxiang Bank retains a large amount of Huanxiang coins and no longer lends to external parties, and it has also raised interest rates. What does this mean? Clearly something big is going to happen!

On the surface, the emergence of Xinxiang United Bank makes holders willing to deposit Huanxiang coins in the bank, which greatly reduces and resolves the pressure on issuers to redeem gold coins.

But to think about it differently, what if the banker is Xinxiang United Bank? This was Rothchild’s prediction back then! So Tang Senzhi, Hai Lanzhu and others have been waiting, and today they finally got their boots off the ground.

At noon that day, a group of more than ten people came to the business department of the head office of Huanxiang Industrial Bank in Fisoport City. The leader was a woman with short blond hair.

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

Solorun came to the gold coin exchange counter like an ordinary customer.

On the left side of the lobby of the business department of the head office, there is a separate area for the exchange window of physical gold coins, which usually accepts small-amount exchanges for tourists from all over the world. Exchanges of more than 10,000 coins are also designated here.

Sauro Lun is over sixty years old this year, but he looks like he is only about forty years old. This is not because he is a successful practitioner, but because he has taken too much Chunrong Pill.

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

Although Chun Yong Dan can be taken by ordinary people, there are dosage restrictions. No more than three boxes can be taken at the same time, and no more than nine boxes can be taken cumulatively.

Therefore, in theory, the fastest and fastest way to take it is to get nine boxes and take it in three years. This is how Soloren should be taken.

Nine boxes of Spring Beauty Pills are worth a lot of money, and it is even more enviable that one person can get nine boxes of Spring Beauty Pills to take!

She arrived at Rothchild Airport yesterday. As soon as she entered the country, Huazhenxing got the news. All the necessary arrangements were made, and the relevant people were waiting calmly.

Solorun came to the counter and told the teller that he wanted to exchange gold coins. The teller asked her politely how many coins she wanted to exchange? Solorun replied expressionlessly: "Ten million."

The teller on duty is a girl in her early twenties, named Tang Wenwan, an international student at Jili Guomowang University.

Tang Wenwan just graduated from her bachelor's degree last year and is already a second-level Yangyuan Master. She is assigned to work in the sales department of the head office of Huanxiang Industrial Bank. According to the bank's internal regulations, new employees must rotate at the external service window in their first year of work.

Hua Zhenxing knew the inside story, but Tang Wenwan didn't. She was just going to work as usual. She was a little confused at the moment and couldn't believe her ears. She subconsciously asked again: "How much do you want to exchange?"

Solorun was secretly proud, raised his chin, raised his eyebrows, and replied with a straight face: "Ten million pieces, please check our account..."

Tang Wenwan was at a loss for a moment and subconsciously wanted to contact the leader. The lobby manager Yun Mo has already walked over and said: "Xiao Tang, just follow the normal procedures and exchange it for her."

The security guard on duty, Hua Zhenxing, was appointed temporarily, as was the lobby manager. Yun Mo had broken through the sixth level of cultivation the year before last. He was already a highly accomplished monk at a young age, and his talent was indeed excellent.

Follow the normal procedures? Then take them out one by one, and at the same time notify the treasury to continue transporting them to the window.

Solorun's entourage opened the suitcase they carried with them. The suitcase was not small, but it was obviously not enough to hold two hundred tons of gold. Inside was the portable equipment they brought with them to check the authenticity of the gold coins they took.

At this time, Tang Wenwan, who was a little confused, reminded again: "You can inspect 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 sign for confirmation at the end. We will also record the entire process. "

Hearing this, Hua Zhenxing secretly gave a thumbs up. Although this girl encountered an unexpected situation, she did a good job in business training and remembered the whole process clearly.

Lofogen, who had thick wavy blond hair, came out and turned on the power of an instrument against the wall. This is a radiographic detector prepared by the bank, which can detect the composition and content of various metals to verify the authenticity of gold coins.

The security guard reminded from the side: "Inspector, you must wear radiation protection clothing!"

Lofogen went to the back to change into radiation-proof clothing and came back, and also put on a hat and mask. The radiation detector emits radiation, but it is shielded by an outer cover. Normally, the impact on the operator is negligible, so there is no need to be so exaggerated.

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

The results of radiographic detectors are very accurate, but they also have flaws. The detection range can only penetrate a maximum of one millimeter into the metal surface.

If it is a thick gold bar or gold nugget, if it is wrapped with a metal such as tungsten, its specific gravity is similar to gold, and it cannot be detected using this non-destructive method.

There is no such problem when thinking about physical gold coins. The maximum thickness of the pattern is only two millimeters. This instrument can detect both sides.

While Luo Fugen was operating, Yun Mo introduced the detection principle to Solo Lun and told Solo Lun that they could also do the test themselves, but the bank had to ensure that the gold coins handed over to them were real gold coins and they had to sign for confirmation.

Normally, if you sign one gold coin once, if you sign ten million gold coins, you have to sign ten million times for confirmation, which will make your hand useless. Yun Mo was also very considerate. After negotiation, he agreed that the other party could sign once a day.

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

They were too tired to stand here and wait, so Yun Mo kindly asked the staff to bring chairs and a small coffee table for them to sit and wait while collecting the gold coins and drinking some tea.

In order to prevent other customers from watching, this corner of the lobby was specially cordoned off, and a security guard named Hua Zhenxing was on duty behind the scenes.

Solorun didn't react at first, because the situation was completely different from what she expected. The exchange window did not have any objection to "ten million pieces" and this number, and started the exchange according to normal procedures!

No senior leaders from Huanxiang Industrial Bank, Huanxiang Industrial, or Huanxiang Country came forward to ask for consultation with her. The highest-level receptionist on site was just the lobby manager on duty.

A lobby manager, a teller, a security guard, and an inspector, four ordinary grassroots staff, took over this business that may shock the world and shake the order of the international financial market!

Solorun sat there and watched this scene, feeling so absurd, as if his eyes were all hallucinations.

Whether it was an illusion or not, the exchange work was still going on, and gold coins were sent out of the window one after another, tested in batches, and then handed over to Soloran's entourage.

The number of bank staff increased again, by five. The two helped deliver the gold coins, unpack and restore the packaging, while the other two chose a camera position to set up the equipment and began to follow and record all the details at close range.

There were originally multiple surveillance cameras in the lobby, but just to be on the safe side, Yunmo notified the bank's publicity department to send someone to videotape the exchange process to prevent disputes afterwards.

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

As she watched, Ms. Solorun finally felt that something was wrong. She subconsciously started to count the time and calculate the gold coin exchange speed, and then a sneer appeared at the corner of her mouth, as if she had seen through the other party's calculation.

The radiographic detector can test ten gold coins at a time, and the results can be obtained in a few seconds. However, it also takes time to set and remove the switch. It can only detect thousands of coins in an hour at the fastest.

Ten million gold coins must be exchanged for the year of the monkey and the month of the horse!

Obviously, Huanxiang Industrial Bank’s trick is to delay first and think of a solution while delaying. Having seen through this, Solorun stood up and negotiated with Hai Lanzhu, saying that the exchange speed was too slow!

Yun Mo said that this has been the bank's business process since its establishment, and the relevant staff have been working very hard. The problem was not that the bank was slow to exchange, but that Soloron had too many to exchange.

This is not a voucher transfer, but a physical transfer, and physical transfers inevitably involve efficiency issues. Why does Huanxiang Industrial Bank launch digital Huanxiang Coin? It’s just for transaction efficiency!

In Hai Lanzhu's view, since Solorun chose this inefficient physical exchange, he should be mentally prepared.

Solorun then proposed that the gold coins do not need to be fully inspected, but can be randomly inspected. Hai Lanzhu responded with a gentle but firm attitude. Soluolun didn't have to be particular about it, but the bank had to be particular about it.

Every gold coin exchanged by Huanxiang Industrial Bank to its customers must be inspected on site. This is a rigid rule!

Perhaps because the entire negotiation process was monitored and recorded, and the other party also brought reporters from media platforms, the bank's attitude was very positive, caring about the customer's needs and thinking.

On the premise of not violating the work regulations, the staff sincerely helped customers solve the problem, and dealt with special situations. They urgently moved out another spare detector and added another detector, which greatly improved work efficiency. .

After making an appearance, President Hai Lanzhu expressed cordial condolences to customers, and then put on protective clothing and went to work in person!

When Solorun saw that the newly added inspector was actually the president of Huanxiang Industrial Bank, he was a little confused and didn't know how to take the job on the spot.

The exchange work is still going on. Taking into account the work intensity of the personnel, the overload prevention and heat dissipation of the equipment and other intervals, Soyellen calculated the fastest exchange speed at this moment, which is about 10,000 pieces per hour.

Then it would take 1,000 hours to exchange 10 million Huanxiang coins. If it were exchanged 24 hours a day, it would take 42 days, which is close to a month and a half.

Seeing this, Solorun became more certain of his judgment. Huanxiang Industrial was stalling for time, perhaps because she arrived too suddenly and the other party hadn't thought of a countermeasure yet.

Just when Solorun was thinking this, the exchange work suddenly stopped. Yun Mo came over and informed her apologetically that the bank was closed today.