Rebirth of the Super Banking System

　　 November 3

　　 September 21st of the Lunar Calendar

　　 It is advisable to travel and avoid mating.

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 this 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 him a schoolbag. When Tang Qing didn’t take it last afternoon, he didn’t bother to go to school to take it. 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 was also operating other loan businesses, and his own restaurant had become a bargaining venue. 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 asked Tang Qing to tell him good things, 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. Bigger and stronger can also open larger stores. . . earn more money. . . It's perfect.

　　 Today, because the other party arrived first after school night, there are still two people, but the other person is just the finances of their factory, and the private room was left by Zhang Jing, and I 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 way, signing the contract, verifying the capital, writing the receipt, and then the necessary information investigation. Now Tang Qing has done these things very easily, and it is done quickly, and the other party is also in a hurry, hurriedly ate lunch and then checked out and left.

　　 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 happened to 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. It felt the same as the source energy value obtained last time, but this time it continued. Nearly twenty seconds.

　　 Then Tang Qing closed his eyes and recited the personal information silently:

　　Host name: Tang Qing

　　 Level: Level 2

　　 Experience: 0/200

　　 Loan amount this month: 30/500,000

　　 Personal quota this month: 20/200,000 (It has been overdrawn until the end of December.)

　　Withdrawable assets: 210,000

　　 Spirit: 51+40

　　 Physique: 49+40

　　Genius value: 40

　　 Convertible foreign currency: U.S. 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 currencies. 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 has opened the currency exchange function of the personal account, and can withdraw and withdraw U.S. dollars." The system simply replied.

　　 "I can understand withdrawing and recovering 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 personal account of the system is based on the domestic currency as the unit of settlement and will not change. In the future, whatever currency is recovered, the system will be forced to automatically convert to the national currency, and the exchange rate will be rounded to the nearest high price according to the current international exchange rate.

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

　　 Generally speaking, the second level has opened the recovery and exchange function of specific foreign currencies. Tang Qing, who thought that there will be a new function, was a little disappointed.

　　 "I thought there was a surprise, this feature. It's nothing, what is it... Mommy, I'll rub it..."

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

　　 What is the use of this function?

　　Of course it’s very useful. Rounding, exchange rate rounding, isn’t it possible to carry out risk-free arbitrage naked?

Risk-free arbitrage, as the name suggests, 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%. Then 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? Not at all, what are the complicated processes in the system? No, the currency exchange can be completed instantly within the system.

　　 strongly suppressed the excitement in his heart, Tang Qing wanted to confirm again, this can't be ambiguous:

　　 "System, 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 interests involved were too huge.

For example, suppose that in reality, one dollar can be exchanged for eight fifty-five cents of renminbi, but it can be exchanged for nine renminbi if rounded within the system, and if the nine renminbi exchanged is withdrawn, he can go to the bank and directly follow the eighty five cents. 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 ten million, ten million US dollars, he can make a net profit of 4.9 million yuan, 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 U.S. 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, one time 25% of the profit, if ten times of compound interest calculation, three times the profit, Tang Qing swallows thinking of this. Slobber.

　　 The news was so shocking, it was crazy to this system.

　　 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. This is also one of the system's benefits. There are no restrictions on the number of withdrawals and withdrawals of domestic currency and the quota, but for non-national currencies, there are no restrictions on the number of ins and outs, but there is no limit on the number of times in and out of the currency. Regardless of 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 carry out this risk-free arbitrage transaction, you will not be able to exchange foreign currency with the system. As long as the system controls the number of times, then this behavior is controllable. Think about it. Also, in today's information age, if there are no restrictions, millisecond-level transactions can be done, and a transaction earns 5%. In one day, he is the richest man in the world. In a few days, this global wealth is his own. How could it be, how could there be such a big loophole.

　　 But this is only an exchange rate under extreme conditions. How can it be stuck at 8:5 a.m., and now there are only U.S. dollars, the profit will not be so high at all.

　　 He remembers 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 if you use 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 fields are different. His previous life was just a errand, and he understood the trading rules in the financial field. There are not many, and at most I have a little knowledge of stock futures, which is useless.

Although it won’t be very useful in a short period of 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 have a large spread. Combine the spreads, tsk tsk, crazy. You can even do investment funds and so on. It’s crazy to attract hundreds of millions of billions of funds from others to do this kind of arbitrage trading, but it’s better to be careful now. It’s 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 that he will give 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, but he likes it, it's just like a banker.

　　 is wrong, what does the high price rounding mean?

So Tang Qing asked this question again~www.ltnovel.com~ 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 lower value currency will be proportional For example, the system displays the exchange rate between the U.S. dollar and the renminbi in the form of one to eight. Tang Qing does not know the current exchange rate of the U.S. dollar. The ratio is obviously below 8.5 in the system. whole. Otherwise, the other way round is one to zero and one to two five, and the rounding will become 1 to 0. How could that be possible.

According to the algorithm of the system, Tang Qing found that if the ratio of rounding to the RMB is too large, there will be basically no profit. For example, the 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 renminbi, 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 renminbi, 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 it because he didn't bother to ask. My mind is messy enough now, and I don't care about other things.

　　 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.