Reborn Super Bank System

November 3

September 21st of the Lunar Calendar

It is advisable to travel.

Yesterday afternoon, when he was waiting for news in the hotel, Tang Qing had already contacted the loan customers recommended by the system this month. Like Zhang Dongqing last time, when he heard that Tang Qing’s loan interest rate was extremely low and the conditions were good, he immediately agreed to today’s meeting. .

As for what the other party was doing, Tang Qing didn't ask too much. By then, he would know that the content of the mission was almost the same as the last time, but the dining place had become his own restaurant.

Li Kai did not follow at noon, but made up yesterday’s homework at school. Li Kai did not bring his schoolbags to him. He was too lazy to go to school when he saw that Tang Qing didn’t take them last afternoon. It was a chance for Da Guangming to escape his homework. He won't let it go. Even if he wants to make up, he will play it first.

Li Jianguo also knew at this time that Tang Qing also operated other loan businesses, and his own restaurant became a bargaining place. The shrewd Li Jianguo thought this was almost equivalent to having regular customers. Tang Qing was nothing but those who needed loans. Most of them are bosses. These people have many friends, consume and socialize, and have a complicated relationship network. With Tang Qing as a link, this network will become larger and more numerous.

Mindful of this.

Li Jianguo has already approached Tang Qing and asked him to speak nicely to each other, and take care of the hotel’s business in the future. Li Jianguo believes that within a year, the business here will definitely rise to a higher level, not just a step, and it will be bigger then. Being stronger can also open larger stores...earn more money...The logic is rigorous and perfect.

Today, because the other party arrived first at school night, there are still two people, but the other person is just the finances of their factory. Zhang Jing kept the private room by herself, and she told the other party yesterday.

When Tang Qing arrived, the other party hadn’t ordered food. He wanted to wait for him. Of course, he was shocked when he saw Tang Qing in school uniform. He almost thought he had encountered a liar, but looked at the cash bag and the professional messy contract. He dispelled the doubts in his heart, and instantly became interested in friendship.

Still the same, signing the contract, verifying the capital, writing the receipt, and then the necessary information investigation. Now Tang Qing has done this very easily, and it is done quickly, and the other party is also in a hurry, hurriedly ate lunch and left the bill.

After signing the contract, Tang Qing did not go back to the school directly, but wrote a risk assessment report in accordance with the system requirements. He wanted to see what changed in the secondary system immediately.

Tang Qing, who had experience, wrote it in only ten minutes this time. After the report was recovered by the system, Tang Qing immediately felt that his body warmed up, feeling the same as the source of energy last time, but this time it continued. Nearly twenty seconds.

Immediately Tang Qing closed his eyes and recited personal information silently:

Host name: Tang Qing

Level: Level 2

Experience: 0200

Loan amount this month: 30.5 million

Personal quota this month: 20.2 million (overdrawn until the end of December.)

Withdrawable assets: 210,000

Spirit: 51+40

Physique: 49+40

Origin value: 40

Convertible foreign currency: US dollars.

There are a lot of changes in the system. Except for the 20-point source value reward and 200,000 RMB, it is the option to exchange foreign currency, and then there is no more. From his personal information, he really did not see how big the secondary system is. After the change, Tang Qing asked the system:

"The system, are there any new features in the second level?"

"The secondary personal account opens the currency exchange function of the personal account, and can withdraw and withdraw US dollars." The system simply replied.

"I can understand the withdrawal and recovery of U.S. dollars, but what does currency exchange mean." Tang Qing asked. There are many ways to understand currency exchange, so it's better to ask more clearly.

"The system's personal account is based on the domestic currency as the unit of settlement, and will not change. In the future, the system will automatically convert to the national currency regardless of which currency is recovered. The exchange rate will be rounded up to the highest price in accordance with the current international exchange rate."

Hearing this, Tang Qing understands that no matter what money is received, it will automatically be converted into the national currency, but all currencies that have been opened can be selected when extracted. As for the rounding conversion ratio, it is easy to understand, and I am used to system rounding. The capable Tang Qing didn't think there was anything.

In general, the second level has opened up the recovery and exchange function of specific foreign currencies. Tang Qing, who thought there would be a new function of Niu Cha, was a little disappointed.

"I thought there was a surprise, this function. There is nothing wrong with it... Mommy Mia, I'll rub it..."

Tang Qing, who seemed to have thought of something, immediately got up from the chair, her face full of shock.

What is the use of this function?

Of course it’s very useful. Rounding, exchange rate rounding, isn’t that risk-free arbitrage can be done naked?

Risk-free arbitrage, as the name implies, is risk-free arbitrage of profits. For a simple example, suppose that the US loan interest rate is 3%, and the domestic interest rate is 6%, so why not lend the US money to the domestic Among enterprises, there is 3% of other arbitrage profits, and there is no risk at all. Of course, this is just a hypothesis, which is easy to understand. The actual operation involves a lot of transaction costs and other complicated things. The profit is not that high.

But what are the transaction costs of the system?No, what are the complicated processes in the system?No, currency exchange can be completed within the system instantly.

After suppressing the excitement in his heart, Tang Qing wanted to confirm it again. This is not ambiguity:

"System, what do you mean, I can freely convert according to the rounded exchange rate?"

"Yes, but the number of exchanges per day does not exceed ten times, and there is no limit." The system replied.

It was confirmed by the system that Tang Qing also let go of his heart. He was afraid that he had misunderstood just now, and he would be happy. As for the ten restrictions, Tang Qing automatically ignored it. The benefits involved were too huge.

For example, suppose that in reality, one dollar can be exchanged for eight yuan and fifty-one renminbi, but it can be exchanged for nine yuan within the system, and if the nine-yuan exchanged is withdrawn, he can go to the bank and directly follow the eight yuan. Five cents per dollar is converted into one U.S. dollar, and the net profit in the middle is 4.9 cents. It seems that 4.9 cents is not much. But if this number is as large as 10 million, 10 million US dollars, he can make a net profit of 4.9 million RMB, which is nearly Five percent risk-free profit.

This is so crazy.

This is still a relatively large exchange ratio between RMB and US dollars. If it is 1:51, the net profit of that transaction is a quarter, 2.5 million US dollars, and this time can even be shortened in the account. A few seconds, a few seconds of money in the account, a quarter of the net profit, once is 25% of the profit, ten times the compound interest calculation, three times the profit, Tang Qing swallows thinking of this. Slobber.

The news was so shocking, this system was crazy.

If the exchange ratio is 1:8:49, then you can't just play it the other way around. In any case, you have room for arbitrage.

"System, you won't be kidding me, I don't want to make money so I want to hurt me, I don't want to fail the tenth level assessment." Tang Qing stammered, this is the money printing machine risk.He really couldn't believe it and asked again.

"The secondary host has the right to view the details. The risk-free arbitrage within the system is one of the main auxiliary functions of the system, and it is also a variant of the risk-free arbitrage between banks. It is just that the arbitrage targets are different, which is also one of the system benefits.

The system does not have any restrictions on the number of withdrawals and withdrawals of domestic currencies and the quota, but for non-national currencies, there are no restrictions on the number of in and outs, but there is no limit. No matter the daily limit of 10 times in and out, refreshed at 24 o'clock every day."

Speaking of this, Tang Qing also understands the meaning of the system. No matter how you want to conduct such risk-free arbitrage transactions, you will not be able to exchange foreign currencies with the system. As long as the system controls the number of times, then this behavior is controllable.

Think about it, too, in today’s information age, if there are no restrictions, millisecond-level transactions can be done. A transaction earns 5%. In one day, he is the world’s richest man. In a few days, this global wealth is his own. , How is it possible, how could there be such a big loophole.

However, this is only a form of exchange rate under extreme conditions. How could it be stuck at 8:05 a.m., and now there are only U.S. dollars, the profit will not be so high at all.

He remembered that the renminbi was not freely convertible until he was born again. As a student, he went to the bank to exchange foreign currencies ten times a day. This goal was too big. Even with account transactions, this goal should not be too obvious.

In the future, he is ready to study the real-world currency trading rules to see if there is any unobtrusive and large-scale trading method. After all, the field is different. His previous life was just a errand, and he understood the trading rules in the financial field. It's really not much, and at most I have a little knowledge of stock futures, which is useless.

Although it won't be very useful in a short time, this function will be of great use in the future. Not to mention the growth of one's own assets, once more currencies are unblocked, the currency view may produce large interest rates. Combine the spreads, tut, go crazy.

You can even do investment funds and so on. It is crazy to make arbitrage transactions by absorbing hundreds of millions of billions of funds from others. However, it is better to be careful now. It is definitely risky to play this way.

In the era of big data, the abnormal trading account is estimated to be immediately promoted as a key monitoring target. He has to think about how to operate it. It is still early. No one believes in giving himself money at all, and he has no interest in using other people’s money to make money. .

Although the function of the system is a bit crazy, he likes it. It looks like a banker.

No, what do you mean by rounding up the high price?

So Tang Qing asked this question again.

The system gave an answer. The high price rounding means that which currency has the higher value, the system will set it as one in the exchange rate, and the low-value currency will be displayed in proportion, such as the exchange rate between the US dollar and the RMB, the system will be based on one to eight. In the form of display.

Tang Qing is also not clear about the current US dollar exchange rate. Looking at the system, the ratio is obviously below 8.5. The system rounds the lower-value RMB to eight.Otherwise, the other way round is one to zero and one to two five, and the rounding will become 1 to 0, how is that possible.

According to the algorithm of the system, Tang Qing found that if the ratio of rounding to RMB is too large, there will be basically no profit. For example, Korean won, one dollar is worth hundreds, and the percentage of rounding to hundreds of digits is too small. Negligible, unlike the U.S. dollar, at least one percent of the profit is taken as a whole. The closer the currency is to the RMB, the higher the arbitrage value.

So in his opinion, all Korean won and Japanese yen are rubbish, and there is no arbitrage value.

"By the way, how do you calculate the Hong Kong dollar and the Taiwan dollar." Tang Qing thought of another question at this time, that is, these two currencies are strictly different from the RMB, but they belong to the same country.

"A sovereign country has only one form of currency in the system. The Hong Kong dollar and Taiwan dollar belong together as a subsidiary currency of the national currency. It only provides recycling services and does not provide cash withdrawal and transfer services."

Tang Qing nodded. Generally speaking, these two currencies are only allowed to enter but not to exit. Although this setting is a bit inconvenient, or even strange, he didn't think much about the reason. He didn't bother to ask.My mind is messy enough now, no matter what else.

In the box, Tang Qing's heart could not be calm for a long time. Although it does not seem to generate much profit now, the goal depends on the long-term. When the time comes, the era of opening an international account and arbitrage between various currencies is not far away.