Zhang Zhonghua and Pu Weishi came to the head office of Jade Emperor Building. The bank was decorated luxuriously and had VIP rooms.
There are ten storage windows, and there are pdp-8s computers and printers on the counter. The layout is not much different from the future bank layout.
Zhang Zhonghua did some operations on the computer, but the response speed is still very slow now. The data center is located in Tojin, Tojin, Kyoto, Fukuoka, and Hokkaido and has set up a sub-data center.
As for inter-city withdrawals, haha, the handling fee is the same as that of bank counterparts, 4%. We have invested so much and invested so much money in computer equipment. We have to recover the cost. If you want to enjoy this service, you should pay some money, right?
"How are the preparations at the supermarket going?"
There are some differences between bank cards and what I think, and real bank settlement will have to wait until the third generation cashier system comes 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-amount payments.
"Each supermarket provides three bank cashiers, one on the first floor, and the service desk also has a cashier system. We mainly rely on the Jade Emperor Bank at the entrance of Carrefour supermarket, which is relatively convenient."
Pu Wei Shi said.
Zhang Zhonghua was also quite depressed after hearing this. Unfortunately, it is not possible to transfer funds between banks now, and the technology is too immature. 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 funds. It is impossible to require the user's ID card to be exactly the same as the current one. Cross-banking can only be a dream.
There were already hackers in the 1960s, and Zhang Zhonghua admired them very much. In 1961, the Technical Model Railway Club of the Massachusetts Institute of Technology (MIT), when club members hacked their high-tech train sets in order to modify the functions. Then, they started
The toy train advanced into the computer field, using MIT's difficult and expensive IBM 704 computer to innovate, explore, and create new paradigms in an attempt to expand the tasks that computers could complete.
Although the development of computers is slow now, the development of hackers is not slow. In the 1970s, hacker technology will also develop rapidly. Our own C language provides hackers with an excellent computer language, and the development of banks is really not easy.
Zhang Zhonghua used the computer to enter the software and operated it. There was no problem with the banking system and the performance was pretty good. However, more than a dozen engineers from Chou Country needed to stay in Japan for the time being to continue to maintain the system and train Dongjin's computers.
team.
"Tell me about the development 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 extremely troublesome.
“The Bank for International Settlements was established in accordance with the Hague International Agreement signed in the Netherlands on January 20, 1930. In May of the same year, it was established by the national central banks of the United Kingdom, France, Italy, Germany, Belgium and Japan, as well as representatives of the U.S.
The bank was co-founded by banking interests J.P. Morgan and Citibank and is headquartered in Basel, Switzerland.
The main purpose of the Bank for International Settlements when it was first established was to handle the payment of German reparations after World War I and to resolve the international settlement issues for Germany.
Later, after World War II, the Bretton Woods international monetary system was established, forming an international monetary system centered on the U.S. dollar, and establishing new international financial institutions such as the International Monetary Fund and the World Bank.
This is a global international financial institution that serves as an organizational institution to implement this international monetary system. Of course, similar international financial institutions have been established in other regions, such as the Inter-American Development Bank, the African Development Bank, the Asian Development Bank, etc.
For financial settlement of international business.
Another one, the International Monetary Fund (IMF) was formally established in December 1945 based on the "International Monetary Fund Agreement" adopted at the United Nations Monetary and Financial Conference held in Bretton Woods, United States in July 1944, with its headquarters in United States.
The capital is Washington, which is a specialized agency of the United Nations and the world's largest monetary organization.
The purpose of the International Monetary Fund is to help member states balance their international payments, stabilize exchange rates, and promote the development of international trade. Its main task is to resolve temporary imbalances in the international balance of payments of member states by providing short-term funds to member states.
and foreign exchange funds are needed to promote exchange rate stability and the expansion of international trade.
According to the "Articles of the International Monetary Fund", all countries that participated in the Bretton Woods Conference in 1944 and signed the agreement are called founding members. Countries that join the Fund after that are called other member countries. The two types of member countries are
There is not much difference in legal rights and obligations, mainly in developed countries.
Every member country participating in the IMF must subscribe to a certain fund share, which is closely related to the interests of the member state. The amount of voting rights and the right to obtain loans from the IMF depend on the size of a country's share. That is, the number of subscribed funds.
The more, the greater the benefits.
The main business of the International Monetary Fund is: issuing various types of loans; discussing international monetary issues; providing technical assistance; collecting monetary and financial intelligence; and dealing with other international institutions."
After Zhang Zhonghua listened to Pu Weishi's explanation, he still had a little understanding. There are many international financial institutions, but the International Monetary Fund is just one, and it is centered on the United States.
During the Asian Financial Crisis, the Southeast Asian countries were deeply troubled. Even Bangzi and Japan were not spared. This is the true conscience of American imperialism.
“So what’s going on with the World Bank?”
Zhang Zhonghua asked.
"The World Bank was established in 1945 and officially started operations in June 1946. It consists of four member institutions: the International Bank for Reconstruction and Development, the International Development Association, the International Finance Corporation and the International Center for Settlement of Investment Disputes.
On December 27, 1945, the World Bank was officially established after the Bretton Woods Conference, and became a specialized agency of the United Nations in November 1947.
The purpose of the World Bank is to help European countries and Japan rebuild after World War II. In addition, it is to assist the economic development of African, Asian and Latin American countries. The World Bank's loans mainly focus on large-scale infrastructure construction such as highways, airports and power generation.
Factory etc.
When the World Bank was first established, it mainly assisted Western European countries in restoring their economies that had been damaged by the war. However, after 1948, European countries began to rely mainly on America's "Marshall Plan" to restore their post-war economies, and the World Bank then mainly turned to
Provide medium and long-term loans and investments to developing countries to promote the economic and social development of developing countries.
The World Bank is working hard to narrow the gap between rich and poor countries around the world and convert the resources of rich countries into economic growth in poor countries. As one of the institutions that provides the largest amount of development assistance in the world, post-war reconstruction is still an important part of the World Bank's work.
In the early days of its establishment, the World Bank's authorized capital was US$10 billion, with total capital of 100,000 shares at US$100,000 per share. All member states are required to subscribe to the bank's shares, and the subscription amount is negotiated between the applicant country and the World Bank and approved by the World Bank's Board of Directors.
There are two ways to pay for the shares subscribed by member states: for the shares subscribed by member states, 20% must be paid first. 2% of the shares must be paid in gold or US dollars, and 18% must be paid in the member state’s national currency; the remaining 80% of the shares must be paid in the current currency.
When the bank urges payment, pay in gold, U.S. dollars or the currency required by the World Bank." Pu Weishi explained.
"Then the World Bank and the International Monetary Fund are not overlapping and have a somewhat antagonistic relationship. After all, the IMF serves developed countries, while the World Bank serves developing countries."
These two international organizations do not take Big Brother Lao Maozi seriously at all. Now that Ugly Country is the dominant economic power, Lao Maozi can only endure it silently.
“The member countries of the World Bank must be members of the IMF, but not all members of the IMF must join the World Bank. The World Bank and the International Monetary Fund play a complementary role.
The International Monetary Fund is mainly responsible for issues related to international monetary affairs. Its main task is to provide member countries with short-term foreign exchange funds to solve temporary imbalances in the international balance of payments, so as to eliminate foreign exchange controls, promote exchange rate stability and expand 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 just a decoration, international trade still needs to be carried out. Even if the Third World War begins, it cannot be separated from the two banks. Post-war reconstruction must be left to the World Bank.
Pulvais was also very speechless. Wasn't the Bretton Woods system intended to replace the status of gold? The status of the U.S. dollar cannot be shaken, otherwise the world will be in chaos again.
"Boss, when will we officially launch the credit card business? Credit cards have been developing in Japan for a year or two now."
Zhang Zhonghua was also very moved when he heard Puves' proposal. The current interest-free repayment period for credit cards is only one month, and the handling fees are also relatively expensive.
Unfortunately, the current conditions of Jade Emperor Bank are not very mature yet, and the credit limit cannot be determined, the credit system cannot be established, and the credit card cannot be used.
Group employees are easy to talk to. If you know your salary situation, you can divide the credit limit into different levels. This has also been implemented in Hong Kong Island. The handling fee for half-year salary limit is also relatively low.
"Let's run it for half a year first. We must first collect the household income information of savers, and then launch it after the statistics of this information are almost complete.
It is also a problem for users to cash out multiple credit cards in a row. The banking system also has a credit score evaluation system, so it does not matter if it is half a year late.
However, we can apply for credit cards separately for a small number of high-income groups. After all, they are not short of money and are high-quality credit card users."
There are also many regional banks in Japan. In terms of scale and business capabilities, Yuhuang Bank can kill them instantly. Of course, it is far behind those banks in the consortium. Yuhuang Bank does not have the backing of the state.
"What's going on on Hong Kong Island now?"
Zhang Zhonghua asked.
In order not to waste foreign exchange reserves, Jade Emperor Bank can only open ten new branches to attract deposits, but it has to find money to pay employees.
There is still not enough talent on Hong Kong Island, and the technical staff have only arrived on Hong Kong Island after building the system in Japan. It is really helpless.
"The Jade Emperor Bank on Hong Kong Island has been renovated, the lines are being laid very quickly, and bank cards have been issued to employees. After the opening in Japan, the bank started to open.
Banks in Macau still need to wait for a while. Over there, Wanwan Gangba has just applied for a financial license, and the specific opening time has not yet been determined.”
Pulvais explained.
"Okay, let's set up branches in Taipei, Taichung, Tainan, and Kaohsiung. It will also facilitate our international currency settlement."
As long as there are CFC restaurants, it is easy to apply for a bank license. CFC restaurants have solved the employment problem for many people.
】
Soon it was time for all 110 branches of Yuhuang Bank to open in Japan, and companies that had business dealings with Yuhuang Group sent opening flower baskets one after another.
However, Zhang Zhonghua did not have any fancy things to do when opening the bank. It was very low-key. This is not a restaurant or vegetable market where everyone needs to spend money, so it is better to be more serious.
Only by relying on a strong consortium can we gain the trust of depositors. Banks in Japan have to be very regulated. It is still very difficult to use depositors' money to develop themselves. The reputation of banks is not that of those banks in Hong Kong Island that are struggling.
…
Carrefour.
"Fat Tiger, Carrefour has started another activity. As long as you apply for a Jade Emperor Bank bank card and store more than 1,000 US dollars, you will receive a 10-dollar voucher from Carrefour Supermarket. If you store more than 5,000 US dollars, you will receive a 100-dollar voucher. It is so worth it.
."
"Hey, I don't know if Jade Emperor Bank has a credit card. You know how I can save money now that I just bought a house. I also want to get a loan for decoration."
Fat Tiger said depressedly.
"Even if you have a credit card, it won't be launched now. Carrefour supermarkets can also use bank cards to pay. I'm going to apply for one now. It will be very convenient to buy things at Carrefour in the future."
"Okay, let's go together and I can get one too. Carrefour Supermarket is pretty good. You can basically buy everything in one supermarket."
While talking, the two of them walked out of the Carrefour supermarket, and then saw a long queue at Jade Emperor Bank. When they walked in, they saw, good guys, there are so many gifts.
When you save more than $100, you will get a CFC restaurant burger set coupon worth $1.50;
If you store more than $1,000, you will receive a $10 Carrefour supermarket voucher;
If you save more than 2,000 US dollars, you will receive a small fan from Yuhuang Electrical Appliances;
Get a $100 voucher when you save more than $5,000;
If you save more than USD, you will receive a Yuhuang Electric induction cooker as a gift.
"If you deposit more than US dollars in Yuhuang Bank, you will get an induction cooker worth US$300 as a gift. The induction cooker produced by Yuhuang Electric is really convenient, but US$10,000 is not a small number."
"You can actually apply for credit card business here, but it is currently open to depositors with a monthly salary of more than 500 US dollars. I just meet this condition."
Fat Tiger said excitedly.
With a monthly salary of US$500, the Jade Emperor Bank credit card can provide an overdraft of US$1,500;
With a monthly salary of US$1,000, the Jade Emperor Bank credit card can provide an overdraft of US$3,500.
It is equivalent to an overdraft of more than 3 months' salary, which can completely solve the urgent need.
cfc restaurant.
Shizuka looked at the publicity board in front of the CFC restaurant and applied for a Jade Emperor Bank debit card to receive a CFC restaurant set meal and a movie ticket.
