When an ordinary Lemare resident takes own real estate property rights to show that enters the state bank hall, can handle the mortgage loan with ease , and same day loaned, could imagine this to have big attraction to people sufficiently! 当一个普通的勒马尔居民拿着自己的房产产权证明走进国家银行大厅,就能轻松的办理抵押贷款并且当日放款,就足以想象得到这对人们有多大的诱惑力！ Now most people need money, the commodity on society is deficient gradual appearance, this already not at the thing changed/easy thing years. 现在大多数人都需要钱,社会上的物资匮乏正在逐渐的显现,这已经不是以物易物的时代了。 Did not say that you take some you to think the valuable thing, can receive in exchange for the thing that you want from others' hand. 不是说你拿着一些你觉得值钱的东西,就能从别人的手里换取到你想要的东西。 You must draw cash to be good! 你得拿钱出来才行！ This is also the inevitable result of social development evolution, actually fundamentally, with currency purchase commodity, essentially by thing changed/easy thing one, because we know that the currency is also a commodity. 这也是社会发展进化的必然结果,其实从根本上来说,用货币购买商品,本质上还是以物易物的一种,因为我们都知道货币本身也是一种商品。 This type of commodity is very special, it will purchase strength to a certain extent, directly manifests in the main body of commodity, therefore this type becomes as the commodity of frame of reference more and more important. 只是这种商品很特殊,它从一定程度上将购买力量化,直接体现在商品的本体中,因此这种作为参照物的商品变得越来越重要。 The bank wants the loan, the increasing number of people enter the bank, money that it can transfer, are getting fewer and fewer! 银行愿意贷款,越来越多的人走进银行,以至于它能调动的钱,也越来越少！ Knows that the chief presidents of these things shouted abuse, from top to bottom greeted a manager of loan business, if were not his self-control also calculates to pass an examination, possibly he must begin. 知道这些事情的总行长破口大骂,从上到下问候了一遍贷款业务的主管,如果不是他的涵养还算及格,可能他已经要动手了。 After the person has made a decision, their standpoints, the change of attitude compared with people will imagine firm. 当人有了决断之后,他们的立场,态度的变化会比人们想象的更加的坚决。 It looks like a woman...... 就像是一个女人…… She loves your time unconditionally, you can is speaking the shame personality words while makes an effort to clutch her hair behind her, she will also think that wants you to be happy, she will be happy. 她无条件爱你的时候,你可以一边说着羞辱人格的话一边在她背后用力揪着她的头发,她还会觉得只要你开心,她就会开心。 When she does not love you, in her eyes you look like a maggot, if can stamp you, she will not mind that lifts own high-heeled shoes. 但是当她不爱你的时候,在她的眼里你就像是一条蛆,如果能一脚踩死你,她不会介意抬起自己的高跟鞋。 In some issues, the transformation of people standpoint, and firmness of attitude, was above the imagination of people! 在一些问题上,人们立场的转变,以及态度的坚决,超乎了人们的想象！ The loan business in charge of after the two days time, he decided that to a new master good impression, to be facing the chief president in state bank at this time, he not startled. 贷款业务主管经过这两天的时间,他决定给新东家一个好印象,此时面对着国家银行的总行长,他一点也没有惊慌。 „President, without the administrative document told me, we must stop the loan business, therefore I complied in my work content, was me should the matter of doing......” “行长,没有行政文件告诉我,我们要停止贷款业务,所以我只是遵从于我的工作内容,做了我该做的事情……” Naturally cannot have to print „, because we damn did not have money, therefore no damn loaned to others randomly” the administrative document issued, this matter was impossible to do that. 当然不能有印刷着“因为我们他妈的没有钱了,所以别他妈的乱给别人贷款”的行政文件下发,这种事情不可能这么做。 Moreover the chief president can affirm, oneself and this loan business manager, had greeted, these days do not reply the loan business again. 而且总行长能肯定,自己和这位贷款业务主管,打过招呼了,这段时间不要再批复贷款业务了。 His argument accidental/surprised let the chief president calm, he is staring at the present subordinate, looking like knew that for the first time he was the same. 他的辩解意外的让总行长冷静了下来,他盯着眼前的这个下属,就像是第一次认识他一样。 Careful is sizing up, in the vision filled discovered, unbelievable and dislike look. 仔仔细细的打量着,目光里充满了一些发现,难以置信和厌恶的眼神。 He purses the lips, „I knew, you were dismissed, connects with work.” 他抿了抿嘴,“我知道了,你被开除出去了,交接一下工作吧。” The loan business manager also gawked, he had not expected that the chief president can so relieve his work decisively, he is attempting diligently, „removes my duty to need to meet to discuss, you do not have the power to do that.” 贷款业务主管也愣了一下,他没有预料到总行长能如此果断的解除他的工作,他尝试着努力了一下,“解除我的职务需要开会讨论,你没有权力这么做。” The chief president laughed at one, „from now on, you were that on leave, when comes back to work, waits for my notice, now didn't have the issue?” 总行长嗤笑了一声,“那么从现在开始,你休假了,什么时候回来工作,等待我的通知,现在没问题了吗？” The personnel management, including the work and leave arrangement, this aspect chief president has very big power, he told, does not have any awkwardness. 人事管理,包括工作和休假安排,这方面总行长拥有很大的权力,他这么吩咐,没有任何的为难。 The loan business manager is pursing the lips to look at the opposite party, has such several seconds, later complied with this decision. 贷款业务主管抿着嘴看着对方,有那么几秒,随后遵从了这个决定。 „If this is you hopes that then I will rest......” “如果这就是你希望的,那么我会去休息……” Did not wait for him saying that the chief president is pointing at the gate with relatively calmly, but hid the sound that a faint trace is shivering saying that „rolled out, rolled out from my room!” 不等他说完,总行长就指着门用相对冷静,但隐藏着一丝丝颤抖的声音说道,“滚出去,从我的房间里滚出去！” In the sound constrains the anger that one type cannot soon be suppressing, his right hand pointed at the gate, the left hand is gripping the fist. 声音里压抑着一种快要压制不住的愤怒,他右手指着门,左手攥成了拳头。 The loan business manager retroceded several steps, then turns around to leave. 贷款业务主管后退了几步,然后转身离开。 He wants to say several fine words anything, after may see the look of chief president, he decides to shut up. 他本想说几句漂亮话什么的,可看到总行长的眼神之后,他决定闭上嘴。 He leaves the office, the total president whole person looks like the prostration such to fall on own chair, his body flash lost all strengths. 他一离开办公室,总行长整个人就像是虚脱那样跌坐在自己的椅子上,他身体一瞬间就失去了所有的力气。 Some little time, he reluctant raise telephone, his body feeds back to his feeling at this time, looked like one week of such hungrily, in the body 1 points strength did not have. 好一会,他才勉强的提起电话,此时他的身体反馈给他的感觉,就像是饿了一周那样,身体里一点力气都没有了。 Another of telephone is the president, after the telephone connection, the president has made noise, but the chief president actually does not know that said anything. 电话的另外一头是大总统,电话接通之后,大总统已经出声了,可总行长却不知道说什么。 He takes the telephone, hearing the voice of president from is not a little impatient, to is completely impatient, again to hanging power failure words, his movement has not changed. 他拿着电话,听着大总统的声音从有一点不耐烦,到完全不耐烦,再到挂掉电话,他的动作都没有变化过。 Busy sound in telephone some little time, then thorough lost the sound, this means finished completely, the line closes. 电话中的忙音响了好一会,然后彻底的失去了声音,这意味着完全结束,线路闭合。 He is looking at the receiver in hand, somewhat vacant put it. 他看着手中的听筒,有些茫然的把它放了回去。 How now should do? 现在该怎么做？ He sits on the chair asks himself. 他坐在椅子上问自己。 He wants to make Mr. President make an announcement, then the bank makes an announcement again, in such warehouse also some money of some new printing, many can resist. 他本想让总统先生发布一则公告,然后银行再发布一则公告,这样仓库里还有一些新印刷的钱,多少能抵挡一下。 But quick, he gave up. 但很快,他就放弃了。 Not the visible enemy had seized the neck of bank, once the run starts, everyone can be the enemy in bank! 看不见的敌人已经掐住了银行的脖子,一旦挤兑开始,所有人都会是银行的敌人！ This does not issue additionally, only if the president who the Singapore dollar can be solved can authorize him to print several hundred one time over a thousand hundred million, but obviously, this is impossible. 这已经不是增发新币就能解决的了,除非大总统能批准他一次印刷几百上千亿,但显然,这不可能。 At this time regardless of you offered advice, did not have the means. 这个时候无论你出什么主意,都是没办法的。 After one hour, Lemare State Bank issues to announce suddenly, the annual interest rate of deposit by 7.79%, adjusts for the percentage 26.9, the interest rate after increase is original three times are many! 一个小时后,勒马尔国家银行突然发布公告,储蓄的年利率由百分之七点七九,调整为百分二十六点九,增幅后的利率是原来的三倍还要多！ This news lets be in quickly continues the Lemare Society in confusion, presented the short tranquility. 这则消息很快让正处于持续混乱中的勒马尔社会,出现了短暂的平静。 What does this mean......? 这意味着……什么？ Simply speaking, if deposits 1000 dollars in the bank, saves for a year, then one year later both capital and interest has 1269 dollars. 简单来说,如果存一千块钱在银行,存一年,那么一年之后连本带利就有一千二百六十九块钱。 The return that last year the Baylor Federation best hedge fund gave did not have over 11%, this was also only the required value. 去年拜勒联邦最好的对冲基金给的回报率也没有超过百分之十一,这还只是预期值。 But has in the bank, is this value! 但存在银行里,就是这个值！ Some people start to enter the bank, they planned that deposits money, if after all these money do not spend, in their hands forever is so many. 有些人开始走进银行,他们打算把钱存进来,毕竟这些钱如果不花出去的话,在他们手里永远都是这么多。 However admits in the bank, then can obtain. 但是放进银行里,则能得到更多。 Also some people start to apply for a larger loan, in the deposit interest rate adjustment however rate on loan does not have in the situation of adjustment, deposits in the bank from the bank loan again, is the approach of smart person. 也有一些人开始申请更大额的贷款,在存款利率调整但是贷款利率没有调整的情况下,从银行贷款再存进银行里,才是聪明人的做法。 However is very obvious, after having the chief president greeted, all loan business stopped. 不过很显然,有了总行长打招呼之后,所有贷款业务又重新停了下来。 Around 12 : 00 pm, the person of president found the chief president, later he and president talked over the telephone. 中午12点多,总统的人找到了总行长,随后他与大总统通话了。 „Morning telephone is you hit, what happened, why the bank interest rate adjusts such high?” “上午的电话是你打来的吧,发生了什么事情,为什么把银行利率调整得这么高？” In the voice of president is passing exhaustedly, a heaven island resort day does not begin, these worker one day do not let off him. 大总统的声音里透着疲惫,天堂岛度假村一天不开工,那些工人就一天不放过他。 Because was the wages day ties, therefore these people several days have not received, and in their pocket did not have the remaining how much money. 因为是工资日结,所以这些人已经几天没有收入了,并且他们口袋里也没剩下多少钱。 This type will fall into feeling that not having money to the hopeless situation can use anytime and anywhere, making everyone hate, they can only ask the president to trouble, because of these because of him. 这种随时随地会陷入到没有钱可以用的绝境中的感觉,让所有人都痛恨,他们只能找总统麻烦,因为这些都是因他而起。 Now a bigger trouble comes. 现在更大的麻烦又来了。 The state bank raises the interest rate not to relate, but these private banks what to do? 国家银行上调利率没关系,但是那些私人银行怎么办？ The after interest rate of state bank enhances to a fearful degree, the depositors in private bank will have the money in bank to take them, then deposits in the state bank. 国家银行的利率提高到一种可怕的程度之后,私人银行的储户就会把他们存在银行里的钱取出来,然后存进国家银行里。 Only if private bank also the interest rate of following the state bank, at least cannot miss much, zero point several disparities. 除非私人银行也连带着跟上国家银行的利率,至少不能差得太多,零点几的差距还是可以的。 Otherwise the quick private bank must face the run wind. 不然很快私人银行也要面临挤兑风。 The private bank, meets the custom to put it bluntly, specially permitted gathering capital behavior in regular system, the money of these depositors are not honest treating in the safe-deposit vaults of bank. 私人银行,说白了就是合乎规矩,在规则制度之内被特许的集资行为,这些储户的钱并不是老老实实的待在银行的保险库里的。 These money also the operators by private bank took the development industry or are used in the operation financial product, even these money not internally! 这些钱也被私人银行的经营者拿出去发展实业或者用于运作金融产品了,甚至这些钱都不在国内！ They do not have of the ability of anti- risk, what is more troublesome is behind these private banks is standing, is these people of Lemare wealth or power peak. 他们更没有抗风险的能力,更麻烦的是这些私人银行背后站着的,都是勒马尔财富或者权力巅峰的那些人。 The disaffection that they display makes the president have a headache extremely, now these banks can only first stand firm their depositors, requests the president or state bank explanation, the best way announced outward, the rate adjustment made a mistake, then returns to the original interest rate. 他们表现出的不满让大总统也极为头疼,现在这些银行只能先稳住他们的储户,要求大总统或者国家银行说明情况,最好的办法是向外公布,利率调整弄错了,然后回到原来的利率。 Otherwise, only they can do keeps up with the interest rate of state bank, but this is not they can withstand. 否则的话,他们唯一能做的就是跟上国家银行的利率,而这也不是他们能够承受的。 They in the utilization rate and rate of return of depositor fund, could not have been such high net profit, they cannot support such tall storage breath completely! 他们在储户资金的利用率和盈利率上,都还达不到这么高的净利润,他们完全支撑不起这样的高储息！ Therefore, the president accountability. 所以,大总统问责来了。 Some total president many words want to say that but these words he actually does not know where from started saying that but dull took the receiver to stand in that. 总行长有很多很多的话想说,但是这些话他却不知道从什么地方开始说,只是呆呆的拿着听筒站在那。 About after 35 minutes, a sigh, opened his mouth. 大约三五分钟后,一声叹息,打开了他的嘴巴。 „We were swindled, Mr. President, Lynch and working as of federal person.” “我们上当了,总统先生,林奇和联邦人的当。” „Now raising the interest rate is the means that we can help oneself only, once the federal person starts to destroy the state bank, when the time comes is not only I, even you, will still be affected!” “提高利率是现在我们唯一能自救的办法,一旦联邦人开始摧毁国家银行,到时候不仅是我,就算是您,也会受到波及！” The presidents hear to be confused, the full forehead is the sea gull coarse cry, „I am not clear!”, The meaning of these words is to let the chief association president shows the white spot. 大总统听得一头雾水,满脑门都是海鸥难听的叫声,“我不明白！”,这句话的意思是让总会长说明白点。 But the chief association president, the nature is clear. 而总会长,自然清楚。 „What we give the loan of Lynch is the new currency, these currencies can be said as the false coin from our perspectives......” “我们给林奇的贷款走的是新的货币,这些货币从我们的角度来说可以说是假币……” The presidents broke him suddenly, „how possibly is the false coin, isn't this sum of money seal Coin Factory prints?” 大总统突然打断了他,“怎么可能是假币,难道这笔钱不是印币厂印刷出来的？” The voice of chief association president raised, „, but does not have any document showed that it has existed, does Mr. President, you understand my meaning?” 总会长的声音抬高了一些,“但是没有任何文件证明它存在过,总统先生,您明白我的意思吗？” „Nothing can support it truly to exist in our cognition exists, what isn't it the false coin is?” “没有任何能够支撑它的确存在于我们认知件存在,它不是假币是什么？” „Even we supplement some copy clerks now, still without enough time, if I have not guessed that wrong, the federal person should also prepare to beat our economies, the finance and currency.” “就算我们现在补充了一些文书,也来不及了,如果我没有猜错的话,联邦人也应该准备着击垮我们的经济,金融和货币了。” „I am really stupid, unexpectedly forgot how they cope with Nagaliel......” “我真蠢,居然忘记了他们是怎么对付纳加利尔的……” „Mr. President, we ended!” “总统先生,我们完了！”