Chapter 742

"I can't accept this money!" seeing the 1 billion yuan delivered to the door, boss Jia sighed and refused.

"Why?" Chairman Liu was surprised.

"Because I don't want to give 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 a little confused.

"Of course, I borrowed 10 billion yuan. It should be paid now. This morning, I remitted the money from Mitsubishi Bank. Check it!" boss Jia muttered.

"You mean you came to exchange the previous 10 billion yuan loan!" Chairman Liu responded at this time. What does boss Jia mean by paying back the money!

"Yes, why else would I come to you? I still have the face to ask you to borrow money!" boss Jia turned his eyes.

"But... But we agreed that the deadline is three years. It's only three months. Why did you pay back?" Chairman Liu felt that his head was a little difficult to use.

"This three years is just the worst situation. If I have money, I will certainly return the money to your bank at the first time. I know your bank has lent me 10 billion yuan, which has borne considerable pressure. It seems that many people scold you for sending sugar coated shells to capitalism. Lao Liu, I have a conscience. I can't make it difficult for you to do it!"

"Besides, there's a saying that it's good to borrow and return. It's not difficult to borrow again!" boss Jia smiled.

"That's... that's..." Chairman Liu swallowed his saliva, and then said muddleheaded, "in fact, you don't have to be so early."

"Why? If that's the case, I'll really pay back the money in three years, but I won't give you the interest. You won't take my money!" boss Jia said with a grin. Chairman Liu reacted and straightened his expression quickly. "It's no good. How long you borrow, you have to pay much interest!"

"I'll settle the account!" said boss Jia unhappily. Chairman Liu immediately called the revenue and expenditure center, and then frowned and said, "there's no money in the account. The total amount of RMB in the account today is only more than 7 billion. You're not teasing me!"

"It shouldn't be possible. I told Mitsubishi Bank to remit the money to you as quickly as possible, and directly through Mitsubishi Bank's Bank in Hong Kong. It should arrive this afternoon! It's $10 billion. They won't hack my money!"

"Wait, what did you say?" Chairman Liu couldn't turn his eyes. "What did you say just now? How much did you turn?"

"10 billion dollars!" boss Jia sighed, patted Chairman Liu on the shoulder and said, "Lao Liu, you've done us a great favor this time. I won't forget your help. So I decided to keep all the 10 billion dollars I earned from Fusang in your GS bank."

"Of which 2 billion is used to pay off the arrears, and the remaining 8 billion dollars, you have to remember to calculate the interest for me... For the sake of our friendship, you can calculate the interest for me in RMB, but my baby dollar, you must not mess with him!"

"You mean, you let Mitsubishi Bank transfer US $10 billion to GS bank!!!" Chairman Liu's eyes can turn again at this time.

"Why, what's the problem?" boss Jia was surprised. He was not happy to deposit dollars in his bank.

"Shit, why didn't you tell me earlier that the money will cut off the central mother's beard!!" Chairman Liu suddenly rushed to the elevator and said to the secretary next to him, "hurry up, arrange a car for me immediately. I'm going to the central bank. I'm going to find the central mother. These bastards can't swallow the money stored in our bank!!!"

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Let's put the time back two hours, about 4 p.m.

In the clearing center of the central bank, there are thousands of people working in the cool main computer room of the clearing center.

The central bank is about the first organization in China to realize the full computerized office of the central organization. In his clearing center, there are thousands of the most advanced and expensive computers. In addition, there are five central servers working.

This is a 24-hour non-stop unit, because this clearing center undertakes the work and calculation of all inter-bank business transactions in China.

Here is a brief introduction to the development of banks over the past few hundred years.

At the beginning, each bank was independent, and they had a special bank vault to receive deposits, but later, with the increase of the number of different banks, the demand for inter-bank transfer appeared.

At the beginning, inter-bank transfer was really a bank person who carried silver coins or gold coins to the other party's Bank, and then charged a large inter-bank transfer fee.

However, there are many disadvantages. It not only costs capacity and money, but also loses a lot if it is robbed in the process of transportation.

Later, these bankers found that under normal circumstances, the total amount of deposits does not change much when different banks transfer money to each other, so later, these bankers decided not to carry cash, but to send them directly with one summons, that is, encrypted remittance slips, and finally settle all remittance slips every month, Then transport the difference part at one time, which saves a lot of transfer costs.

This solution works very well, so it is deeply loved by bankers all over the world. Huaxia used this solution 90 years ago.

People who posted inter-bank transfers 90 years ago may remember that at that time, if inter-bank transfers were to be made, the waiting time would be at least 72 hours, or even half a month.

Because after the transfer, the bank can only mail the remittance slip to the bank you want to transfer through the post office, so the transfer time depends on how long the remittance slip has been in the post office.

This is still a transfer between your own bank accounts. If you want to transfer the money to another person's account, you need to personally send the remittance slip to the post office and then send it to your payee, and then the payee can take the remittance slip to the bank to withdraw the money... If the bank sends the remittance slip slowly, the payee can't withdraw the money, Only when the money order sent by the bank arrives can you withdraw the money.

Anyway, inter-bank transfer is a trouble to the extreme. It's not like this at all. Just click on the mobile phone. People are more interested in direct cash transactions.

Later, in 1990, the situation changed, because at that time, the country's inter-bank transfer business exceeded one million times a day, and the postal system was about to collapse by these inter-bank transfer businesses. In addition, many foreign banks had used advanced computer management systems.

So Yangma decided to establish a national clearing center. This clearing center is really very advanced. There are thousands of computers and thousands of trained professional operators.

In addition, there are special communication satellites in the sky and the national bank electronic networking system, which simplifies the inter-bank transfer business.

After the clearing center is built, if each bank needs to transfer money, it will not be sent directly to the other bank, but to the central bank's settlement center. After settlement through the central bank, it will be transferred to each destination bank, so that all transfer businesses can be centralized.

Moreover, remittance does not need to be remitted through the post office as before. Major banks should also establish their own branch settlement center, and then convert it into an encrypted message through the computer of the branch settlement center.

Then, send the message to the central bank's settlement center through the satellite network. Then, the settlement center sends the message to the destination bank again through the message, and then the destination bank decrypts it by the computer to complete the transfer.

Then, the central mother settles the money once a month and sends it to the Treasury of each bank. In this way, the time of inter-bank transfer can be shortened to less than 24 hours.

This management system is still in use until 2020, and special satellites are still used to contact, because hackers can't invade the system and modify the bank's data through the network.

Therefore, in the hacker novels we read, what arrogant hackers can modify their bank deposit balance, that's bullshit, because the network can't be connected to another satellite communication system at all, and it can't pass the audit of the intermediary of central mom.

Well, after the science popularization, let's get down to business. At 2 o'clock on this day, a burst of uncontrollable screams suddenly occurred in the originally quiet settlement center. The noise was so loud that the whole settlement center was shocked.

[PS: the author Jun checked the materials for an afternoon to find out this popular science, and then felt that he had a new knowledge reserve. However, I don't know whether you like these popular science. Do you think it's in water? Let's express our opinions. If you think it's in water, we won't carry out this kind of popular science that has nothing to do with the main line in the future.]