Chapter One Thousand and Fifty International Debt Management and People's Investment Needs

,!

"Mr. Guo, something is wrong, our accumulator is charging automatically!"

Before Guo Dongmei could say hello, an impatient voice came directly from the opposite side. It seemed extremely urgent. When calling the leader, he didn't even say hello.

"What is automatic charging, please explain clearly." Guo Dongmei didn't understand the situation, so she could only say in a slightly soft tone.

"It literally means that all our energy storage devices are automatically charging when they are not connected to the power supply. This situation is very abnormal." The opposite side of the dialogue explained.

"What do you think should be the reason?" Guo Dongmei was not a professional after all, so she could only ask this question.

"I just called Mr. Guo because I didn't know the reason. I hope you can contact the boss. Only the boss can explain this phenomenon." The other person explained the purpose of the call.

When Guo Dongmei heard their request, she suddenly remembered that two days ago, the boss said that he could solve the problem of insufficient energy, but he didn't tell her how to solve it.

Could it be that the boss's so-called solution to the energy problem is to automatically recharge the accumulator, but Guo Dongmei doesn't know where the energy for recharging the accumulator comes from.

"There will be no problem for the time being?" Guo Dongmei asked.

"At least until the accumulator is fully charged, there will be no problem, but there should not be much time left for us. I hope Mr. Guo will contact the boss as soon as possible." The other party said.

Guo Dongmei thought for a while and said, "Don't worry, see if you can guide the energy from the accumulator to produce scarce resources."

"Can this work?" The other party said uncertainly.

The energy storage provided by Ye Zishu is not like a battery. It can store energy and release energy at the same time. When Kirin Energy Industrial Group uses it, it is used in one direction.

"It's okay, you'll know if you try it, it's better than being in a hurry." Guo Dongmei said.

Since the boss does this, they can only do it first, and theoretically, it should be feasible. The reason is that the charging process does not require special equipment, and it is an automatic charging process.

Then it becomes possible to connect the energy release device, so the other party said: "I understand how to do it, but I hope Mr. Guo will contact the boss as soon as possible to find out the reason."

"Okay, I'll contact the boss immediately." Guo Dongmei said.

After hanging up the phone, Guo Dongmei still recalled what Ye Zishu said before. Could it be that the boss did something behind this? Maybe where did the energy come from?

Although she majored in medicine,

Later, I learned business management, but at any rate, I have completely gone through compulsory education, and the law of energy conservation is still very clear.

Guo Dongmei thought for a while, but couldn't figure it out, so she could only pick up the phone and dial Ye Zishu's number. This number is only available to group presidents like them, and it is for contacting Ye Zishu in an emergency.

"Dongmei, did you call to ask about the automatic charging of the accumulator?" Ye Zishu connected Guo Dongmei's phone and asked straight to the point.

"How did Mr. Ye know that you did this, Mr. Ye?" Guo Dongmei asked.

"Okay, don't you already have the answer?" Ye Zishu said with a smile.

"I'm just guessing. Since you said that, I'm relieved. It's just Mr. Ye. I want to ask how you made the energy storage device recharge automatically. After all, this does not conform to the law of energy conservation." Guo Dongmei asked.

This is the most important reason for her to make this call. In fact, she guessed that the automatic charging was done by Ye Shu. As for how to do it, she thinks it is not a problem for Ye Shu. She just wants to solve this mystery .

Ye Zishu didn't intend to explain, but after thinking about it, he still said: "It's okay to tell you, but don't talk about it everywhere, where do you think the energy is most abundant in the solar system?"

There was almost no need to think about it, Guo Dongmei said directly: "Of course it is the sun."

"You're right, this energy is all obtained from the sun." Ye Zishu said directly without going around in circles.

Hearing his words, Guo Dongmei couldn't help but exclaimed, she never thought that these energies came from the sun.

"How did you do it?" Guo Dongmei couldn't help asking.

"This is hard to explain." Ye Zishu said.

Hearing what he said, Guo Dongmei knew that she was asking too much, so she said, "Mr. Ye doesn't want to talk about it, so forget it, as long as you know there is nothing wrong."

"It's not that I don't want to say it, but that I don't understand it." Ye Zishu said.

Originally, she planned to give up asking, but she didn't expect Ye Zishu to say that, so Guo Dongmei's burning curiosity prompted her to say: "A simple explanation is fine."

Ye Zishu didn't expect Guo Dongmei to have such a strong curiosity. It was just a polite gesture, but Guo Dongmei, who always knew how to advance and retreat, would bite the bullet and say so.

"Okay, you should know what happened to the five gods and beasts before?" Ye Zishu asked.

"Know!"

"Actually, I also researched the five divine beasts. This time, you are short of energy, so you sent the unicorn divine beast to the sun to absorb energy, and then sent it to the four divine beasts here.

Since the energy storage of Kirin Energy Industrial Group's energy storage, the four beasts have directly transmitted energy to the energy storage, the situation is as simple as that. "Leaf Book said.

Guo Dongmei didn't react when she heard his explanation. She didn't expect that the five gods and beasts incident that caused a lot of noise before was actually caused by Ye Zishu.

But thinking about it, there is only this possibility, because there are two explanations, either the five gods and beasts are natural beasts, left over from ancient times, then the myth has entered reality.

Either it was artificially created. If that was the case, then only Ye Zishu could do it. It stands to reason that she should have foreseen that the Five Divine Beasts were his masterpiece.

It’s just that experts at the time generally said that it was a special natural phenomenon, because in the end the five gods and beasts disappeared, and there was no other scientific explanation at all. Believe it or not, it can only be explained temporarily.

Although Guo Dongmei is the president of Kirin Industrial Group, he is still an ordinary person after all. In addition, he is busy with work and doesn't have enough time to think about such things, so he accepted the experts' explanations.

"If there is nothing else to do, hang up for now?" Ye Zishu saw that Guo Dongmei was silent, so he said.

"There's nothing else to do." Guo Dongmei said after realizing it.

"Okay, let's do this first." Ye Zishu hung up the phone, shook his head with a smile, and continued to work on his hands.

As the Spring Festival approached, Ye Zihua, Ye Ziqi, and Ye Ziqin went home one after another. Before his mother went to take care of Ye Zihua's daughter-in-law, his father was too lazy to live in the country, and it was very quiet here.

Now that everyone has gone home, it immediately became lively, especially Ye Ziqin, who didn't choose to live in her parents' house, and moved directly to Ye Zishu's place.

Seeing them come back, Ye Zishu temporarily put down his work and asked them about their work in the past year or the difficulties they encountered.

Ye Zishu was relieved when he learned that the past year had been smooth and smooth for them and they hadn't encountered too many difficulties, but he left Ye Ziqin behind and began to investigate her study results.

"You have achieved remarkable results in the past two years, and you have already acquired the ability to conduct independent experiments. Next, you don't have to join in the fun of Taiji Group's experiments all day long." Ye Zishu said.

"I'm not going to help there, but go back to be a doctor?" Ye Ziqin asked.

"It just so happens that I have an experimental project in my hand, and you will start working on it next year." Ye Shu said.

"What project?" Ye Ziqin said excitedly.

In the past two years, he followed the development of the medicine given by Ye Zishu, not only learned a lot of knowledge, but most importantly, she felt that she had a sense of accomplishment and did not waste her time.

"This time it is a project to study viruses and treatment methods, which has certain risks." Ye Zishu said with a smile.

"Finally let me do it, it's overdue." Ye Ziqin said.

In fact, if you want to study biology, you must first study bacteria and viruses, because they are the simplest life, and their existence is quite ancient, which plays an important role in understanding the evolution of life.

It's just that studying these things is more dangerous, and at that time he felt that Ye Ziqin's basic skills were not enough, and he couldn't research anything useful without guidance.

"This time, you will complete it independently. Don't worry about the time. You can study as long as you want. If you have any good ideas in the middle, you can also talk to me." Ye Zishu said with a smile.

Ye Ziqin is using this project to improve her scientific research ability. The one who is really in a hurry should be the Taiji Group, but the time is not urgent, because there is a high probability that she will not be able to make it.

This time, he also deliberately learned about the personal deposit business of Tidal Bank, but he did not expect that Ye Zishu did not intend to vigorously develop the personal deposit business. There are two main reasons.

The first reason is that they have too much money in their hands. Since the establishment of Tidal Bank, the capital flow and deposits of his companies have gradually been transferred to Tidal Bank.

With the size and operating income of his industries, the deposits of Tidal Bank are very high, and all domestic banks combined are not as high as their deposits.

It stands to reason that this should be a good thing, but in fact it is not. There are too many deposits but cannot be invested, but the interest has to be paid, which brings great pressure to the bank's operation.

He is very good at adjusting internally. If there are too many deposits, they will discuss with brother companies to reduce the deposit interest rate and reduce the operating pressure of Tidal Bank.

Everyone is a brother company, and Tidal Bank is the financial center of the entire industry. The safety of Tidal Bank is very important to the development of its industries, and everyone doesn't care about one or two interest rates.

However, personal deposits are different, and there is no room for negotiation at all. If the deposit rate is raised to increase personal deposits, it will only bring greater pressure to the operation of Tidal Bank.

Therefore, in order to reduce personal deposits, they did the opposite to other banks. Whether it is a fixed deposit or a demand deposit, the interest rate is much lower than the market.

For example, the interest rate of their current deposits is close to zero, because for them, the current deposits are of little value at all. With the addition of handling fees, users actually not only cannot earn money, but have to take in some money every year.

Although the interest rate of fixed deposits is not that low, the three-year interest rate is also very low, only less than two percentage points, which is generally much lower than other banks.

Under such circumstances, the only advantage of Tidal Bank is the security of funds and the confidentiality of information. In this regard, they are much stronger than other domestic banks.

Of course, the deposit interest rate is lower than other banks, and their loan interest rate is also lower than other banks. For example, the first-home loan mentioned above has an interest rate of only 3%, while other banks generally exceed 5%.

The interest rate of consumer loans is also not high, basically around 3%. In addition, everyone’s income is relatively stable. The main function of consumer loans is to adjust personal purchase needs.

The interest rate of corporate loans is much higher, generally around 5% for internal companies, because Tidal Bank is very familiar with internal business operations, future development, etc., and there are almost no bad debts.

The interest rate of external corporate loans is generally 8%. In fact, there are not many external companies in China. These interest rates are just for show, and the amount of external loans is getting lower and lower.

The reason is simple. The implementation of a new economic operating mechanism in China in the past two years has made it more difficult for other enterprises with low competitiveness to develop.

Not to mention domestic companies, even international giants are getting worse and worse in the domestic market. The intensity of competition in the domestic market is much higher than imagined.

It is generally believed that it is easy to make money in such a huge market. Judging from the conventional situation, this idea is valid. After all, people have money in their hands, so they are naturally more willing to spend it, and they will not be too fussy.

But the country is quite special. The people who are in charge of family expenses now basically come from difficult times. They don’t need money.

The most important reason is that the three artificial intelligence-controlled companies under him are too powerful, relying on efficient research and development efficiency, strong management efficiency, and super executive power.

No matter what kind of company it is, if it has direct competition with them, it will basically be at a disadvantage. Especially this time, all its employees have been replaced by general-purpose robots, and their combat effectiveness is even stronger.

When other companies encounter problems, they have to hold meetings, formulate measures, coordinate, etc., and the response cycle is too long. However, the communication between artificial intelligence and general robots does not require meetings at all.

Moreover, there are not so many personal interests involved in the communication. The views of each universal robot are their true views. It is their common goal to work together to do things well.

In addition, their intelligence gathering capabilities are not comparable to other companies. As a result, they can always be one step ahead of others and take the lead everywhere. There is no reason not to win in the market.

If it wasn't for Yeshu to let these three companies try not to compete directly with other companies under him, because if they really compete directly, other companies under him may not necessarily be able to take advantage of it.

Although he has given a lot of technology to other companies, in fact the technology of these three companies is not bad. Even if some technologies cannot be bypassed, if you ask Ye Zishu to authorize them, he will definitely give them.

In short, in the past two years, the number and scale of other domestic companies have been rapidly decreasing. Of course, their overall size was not very large before, and their market was also filled by his companies, which did not affect the overall economy.

The second reason is to give other domestic banks some way to survive. Tidal Bank itself occupies a large part of the corporate business. If they also occupy the personal business, their relationship with other banks will not be very good.

It's not that they want to build good relations with other banks. Whether they are state-owned banks, joint-stock banks, or other international banks, they are all competitors.

Tidal Bank is actually not polite to its competitors. The reason why it has concerns is that it is afraid that the management department will balance interests and introduce some targeted measures.

After all, finance involves so much that it is impossible for one company to monopolize it, not to mention that finance itself is a highly policy-oriented industry, which is completely different from technology companies.

It is easy to monopolize the technical enterprises under him, and the barriers are very high. Even if the relevant departments issue policies, it will be difficult to take care of the balance, after all, the gap is too big.

But policy-based industries are different. One policy can wipe out the advantages of a company. Therefore, it is doomed to be unable to form an absolute monopoly. It is better to behave smarter and give up some benefits.

Even if they want to occupy more of the market, they have to have a justifiable reason, like their mortgage market, it stands to reason that the 3% interest rate violates the industry rules.

But the reason they gave is very good, that is to make housing affordable for all families, so it is acceptable to reduce the loan interest rate for their first home by 3%.

Moreover, this kind of behavior is generally welcomed by ordinary people, and the public has a solid foundation. As long as the bank itself is not worried about going bankrupt, the regulatory authorities will not be able to say anything.

If other banks can't see it, they can also lower the interest rate to 3%. The problem is that their deposit interest rate is higher than this figure, and it is impossible to borrow at a lower deposit interest rate.

In addition to the above two reasons, Tidal Bank’s doing so also shows that deposits are not encouraged. If everyone deposits, it will be seriously detrimental to the development of the domestic economy.

Although he does not agree with excessive consumption, the problem of excessive consumption in the market is not a big problem, because it will not cause serious debt problems, but can promote economic development.

However, excessive advanced consumption will bring serious debt problems to residents. Although it is beneficial to economic development for a while, in the long run, it will be repaid sooner or later.

In addition to these, Leaf Painting also raised a more difficult question. The international trade currency they issue can earn a lot of money from the process of international trade every year.

Regardless of the fact that the money is not too much in his entire industrial system, the money earned in three years is only 2.2 trillion universe coins, which is equivalent to 6.6 trillion yuan.

In fact, this is a very large number in the international trade surplus, and there is no problem at present, but if things go on like this, problems will inevitably arise.

Because other countries find that their debts in international trade will become larger and larger, and they will accumulate too much debt. Even if they have a surplus in international trade in the future, paying interest will be a heavy burden.

To know how much money the Tidal Group has made in this regard means how much money the countries participating in the trade have lost overall, and there is a close relationship between the two.

If a country cannot exchange money, it will either declare the country bankrupt. Unfortunately, this road will not work at all, because these countries need collateral for loans from the Tidal Group.

Since it is not a sovereign credit loan, even if the country goes bankrupt, their collateral will completely belong to the Tidal Group and will not cause huge losses to the Tidal Group.

Either start a war. Since the first path will not work, this path is the path with the highest probability. When the new government comes to power, it will directly deny the agreement signed by the previous government.

After all, the Tidal Group is a commercial organization. If others insist on doing it recklessly, they have no good way to do it. They can't send an army to teach them how to behave. It would be rude.

Therefore, how to maintain the balance has become a problem that the Tidal Group needs to take seriously. Only in this way can the participating countries be satisfied, and everyone is willing to continue this game.

The problem is that our country does not have much demand for imports. Although many commodities are imported, they cannot occupy the mainstream. The largest commodity imported is mineral resources.

In response to this problem, he came up with three solutions. The first way is to reduce the loan amount of countries with excessive debts and help them formulate debt reduction programs.

Using a series of means to reduce the scale of debt and ensure the overall economic stability of the participating countries is beneficial to both parties. As for whether it is beneficial to others, I don’t know.

Anyway, there are countries in the world with excessive debts, and there must be people who make money. Through a series of means, they will promote trade balance among participating countries and safeguard everyone's common interests.

After all, the purpose of making money is to buy the goods you want, not to save the money you earn. No country wants to do this.

The second method is to liquidate the collateral and help the collateral to operate, so that the collateral can not only help the Tidal Group to make money, but also help the country where it is located to make money. This is a revitalization of assets.

The collateral is generally land. As long as the host country formulates a series of policies to encourage the Tidal Group to operate freely, the value created by these collaterals may be much greater than that simply held in the hands of the local government.

The tide group's resources are very huge. If you really want to develop and operate a place, there are many ways. Since the sovereignty still belongs to the country where it is located, the operating tax is naturally paid to the government of the country where it is located.

If the land is an island, then sell it directly to the world's richest people. If the geographical conditions are very good, it can be directly turned into a vacation paradise. In short, it is much better than idling.

This method is beneficial to both parties. The country’s debt problem has been temporarily resolved, and it can also obtain tax revenue from the operation of these assets. The Tidal Group can also obtain more benefits from it instead of idle resources.

The third way is to invest the money earned in countries with serious losses. Of course, the premise of investment is that the investment environment is not bad. If the investment environment is too bad, you can’t give money away.

This method reduces the foreign exchange balance of the host country, and at the same time, the inflow of these funds is conducive to stimulating the local economic development, creating more value, and the trade deficit may be improved.

In a word, Tidal Group can no longer make money simply and rudely as before. It must establish a complex financial and asset operation system to make money and maintain the stability of the entire system.

It is better to feed back the money earned to ordinary people, rather than a bunch of financial figures on them, then making money is meaningless.

In fact, they were doing the same thing, but Ye Shu said that their plan was more firmly implemented, and it was impossible for them to do nothing, which would be regarded as unqualified management.

In the end, Ye Zihua said one thing, that is, someone wanted him to persuade Ye Zishu to let some of his properties go public, otherwise the domestic stock market would really be completely cold.

This is definitely not alarmist talk. The domestic listed companies are only a few state-owned companies, and the number of private companies is very small. These listed companies originally went public to find funds because of poor management.

After these years of development, the size of the domestic economy has indeed expanded a lot, but the operating conditions of these companies may not necessarily follow the big development.

The people do have money in their hands, but they are not that stupid. In addition, there are few companies in the stock market and their plates are not big.

In this situation, the relevant departments must be in a hurry. If they want to revive the stock market, only the industry under Ye Zishu is not only large in size, but also has excellent asset quality. If it goes public, it will directly activate the entire stock market.

It's a pity that Ye Zishu doesn't get in, and they don't even have a chance to meet, so they can only ask Ye Zihua to talk about it, and see if they can change Ye Zishu's mind.

"I've also read your new book. According to the point of view in your book, under the current circumstances, it seems that you don't support vigorously developing the stock market." Ye Zishu said with a smile.

After hearing what he said, Ye Zihua also smiled and said, "I was just bringing a message, but I didn't intend to persuade you, and I know I don't have the ability to persuade you.

As I said in my book, according to the current domestic economic structure, the stock market’s ability to raise funds is relatively poor, and the necessity has also been greatly reduced. The stock market is now completely reduced to a capital hunting ground. "

"Since you know, you still want to mention it to me? Just refuse." Ye Zishu said with a smile.

"I don't think about large investment institutions. They have plenty of ways to invest. What I worry about is that ordinary people have investment needs. If you don't guide them, but blindly block them, it's not a good way." Ye Zihua said.

"Are residents' time deposits high?" Ye Zishu asked.

The purpose of making so many things is to consume the funds in the hands of the residents. He is afraid that everyone has too much money, so he desperately wants to invest, but it is in vain.

Not to mention ordinary people like them, even investment institutions, the success rate of investment is not very high. The reason is that there are too few high-quality assets, and investment is completely luck.

The high-quality domestic assets are basically controlled by his industries, and the rest are also controlled by state-owned enterprises, and the rest are leftovers.

If you want to invest in the stock market, as I said before, the stock market is full of crooked melons and jujubes, which are not of great value. It is just a game between institutions and retail investors. In the final analysis, it is no different from a casino.

"We made a survey report. The average deposit balance of personal bank accounts is 60,000 yuan, and the total size is 54 trillion yuan, which is still relatively high." Ye Zihua said.

Ye Zishu breathed a sigh of relief when he heard this number. The total size is quite a lot, but the amount of funds in each account is not particularly large, and there is not such a strong investment desire.

"You want to start an investment fund?" Ye Zishu said looking into Ye Zihua's eyes.

"I have this idea. Instead of letting them run around, it's better to guide them properly. It's much better to let them run it than to other funds." Ye Zihua said.

"If you plan to do it, I won't stop it, but you must put an end to speculation. Since you wrote that book, you should try to follow those ideas. You should be very clear about the harm caused by excessive finance." Ye Zishu said .

He finally understood that Ye Zihua talked to him about this for this purpose. In fact, he had planned to establish an investment fund a long time ago, but he never did it because he didn't want to make money for the rich.

"I know what to do!" Ye Zihua said.

"It's good if you understand, but I suggest that you establish a fixed-return fund first, as long as the interest rate is higher than that of bank deposits. There are not many high-quality assets on the market, and the investment risk is relatively high." Ye Zishu said.

"In this case, the pressure will be on our side. It's okay to make a lot of money. If there is a serious loss, we will have to post a lot of money." Ye Zihua said.

"I naturally know that you should not make the scale so large in the early stage, limit each person to invest only 100,000 yuan, and the annual return rate is about 5%. Adjust each year according to the business situation of the previous year.

Think of it as borrowing money from the people. Although they can't make a lot of money from it, they are better than being stable. Although the pressure is on your side, it can also motivate you to improve your investment and management capabilities. "Leaf Book said.

"Okay, just follow what you said!" Ye Zihua said helplessly.

Seeing Ye Zi draw out the door, he fell into deep thought. He felt that if he went on like this, he might still go down the old path. This was not what he wanted to see, and he hoped for a good solution.