„This is your money, please receive.” “这是您的钱,请收好。” In the bank, the teller girl requested the cash that drew out to place a customer in the floor, but also delivered one to put money very much intimately the envelope. 银行里,柜员女孩将一名客户要求支取的现金都摆放在了台面上,还很贴心的送了一个可以装钱的信封。 Money that this customer draws out is not a lot, only then 2100, some pocket money, an envelope has more than enough to spare. 这位客户支取的钱不是很多,只有两千一百块,还有一些零钱,一个信封绰绰有余。 He after the counter money number/count two, relaxed probably such showed some smile, said goodbye after the teller girl left. 他就在柜台前把钱数了两遍之后,才像是松了一口气那样露出了一些笑容,和柜员女孩道别后离开。 Before the next customer arrived at the counter, the girl looks like beforehand such, the smile was saying wear a look of these have almost been equal to the instinct the words. 下一位客户走到了柜台前,女孩就像是之前那样,面带着微笑说着那些已经几乎等同于本能的话。 Make her feel those who have some strange is, this seemingly has 50 -year-old women, unexpectedly is also takes the money, moreover similarly must take in the account all money. 让她感觉到有些许奇怪的是,这位看起来有五十来岁的女士,居然也是来取钱的,而且同样是要取走账户里所有的钱。 She felt some unusually, but this type felt that quickly, went also quickly, he is working , without the time to ponder these, therefore she started to serve for this woman. 她感觉到了一些异常,但这种感觉来得很快,去得也很快,他正在工作中,没有时间去思考这些,于是她开始为这位女士服务。 After several minutes, 5000 cash placed on the counter neatly, after that female customer counted money , the mouth whispered is saying anything, is drawing cash to leave. 几分钟后,五千块的现金整整齐齐的放在了柜台上,那位女性客户数完了钱后嘴里嘀嘀咕咕的说着什么,拿着钱离开了。 Before the next customer comes, teller girl looked to other counters, she was a little vacant, because each window seems to be handling to draw out the business. 在下一位客户过来之前,柜员女孩偏头看向了其他的柜台,她有点茫然,因为每一个窗口似乎都在办理支取业务。 The next customer arrives, making her have to return the attention to own work, shot a look at a long team, she simply does not have many time considerations. 下一个客户到来,让她不得不把注意力放回到自己的工作中,瞥了一眼长长的队伍,她根本没多少时间考虑。 This, not only happening in Empire Royal Bank, happened in the imperial capitals and surrounding city all banks, and speed that is unable to understand by people. Rapidly spreads to other places. 这一幕,不只是发生在帝国皇家银行,更是发生在帝都和周边城市所有的银行里,并且正在以一种人们无法理解的速度。快速向其他地方蔓延。 Spreads in the crowd „small secret” looked like in a joke bank of practical joke not to have money. 流传在人群之中的“小秘密”就像是一个恶作剧的玩笑银行里没有钱了。 Yes, „in bank did not have money”, this was the complete content of this rumor, however in process of this rumor dissemination, people very could not be difficult the subjective consciousness increased some recent information for it, enriches this news, making it not seem like cracking a joke. 是的,“银行里没有钱了”,这就是这个谣言的全部内容,但是在这个谣言传播的过程中,人们很难不去主观意识的为它增加一些新的信息,去丰富这条消息,让它看起来不像是在开玩笑。 „Went to bank taking the money „ unable to take out to some banks from many people” brings in money ” arrived at „me to hear that again the recent matter involved some banks, these banks were sealed up temporarily” as well as final „bank must go out of business” 从“很多人都去银行取钱”到“有的银行已经取不出来钱了”再到“我听说最近的事情牵扯到了一些银行,这些银行都被暂时查封了”以及最后的“银行要倒闭了” The development of rumor has not actually experienced the too much time, 2-3 days, this rumor looked like falls in the culture dish bacteria, fast spread in the most perfect environment. 谣言的发展其实并没有经历太多的时间,2-3天的时间,这个谣言就像是落在了培养皿中的细菌,在最完美的环境中快速蔓延。 But all these, causing a fearful phenomenon born. 而这一切,导致了一个可怕的现象诞生了。 Run! 挤兑！ Any bank most is afraid runs on a bank the phenomenon, by the Baylor Federation example, supposed that a bank has the depositor deposit 1 million, this 1 million are definitely impossible in the safe-deposit vaults of bank, the bankers also planned that makes money with this sum of money. 任何银行最害怕的都是挤兑现象,其中以拜勒联邦举例,假设一家银行有储户存款一百万,这一百万肯定不可能都在银行的保险库里,银行家们还打算用这笔钱赚钱。 Then here had a problem, 1 million deposits, how many can the bank take away to be used to invest or handle other things? 那么这里就存在了一个问题,一百万的存款,银行能拿走多少用于投资或者做点其他事情？ The federal bank is divided into the multi- hierarchical system, according to different hierarchical system as well as each area's different policy, from most 50% guaranty money for deposits, to percentage 12 guaranty money for deposits. 联邦的银行分为多等级制度,根据不同的等级制度以及每个地区不同的政策,从最多百分之五十的存款保证金,到百分十二的存款保证金不等。 In other words when the bank are least can only leave behind in 1 million 120,000, remaining 880,000 are used to lend or invest, at the peak they must leave behind 500,000 earnest money, only then 50 multipurpose for other uses. 也就是说银行最少时可以只留下一百万中的十二万,剩下的八十八万都用于借贷或者投资,最多时他们必须留下五十万的保证金,只有五十万能用于其他用处。 However in this, actually still has a small problem of ferrule, for example the bank B commitment makes the guarantee for bank A, when bank A presents the run or is hard to pay the depositor deposit, bank B will instigate the fund is bank A solves these problems. 但是在这里面,其实还存在一个套圈的小问题,比如说银行B承诺为银行A做担保,当银行A出现挤兑或者难以支付储户存款时,银行B会调拨资金为银行A解决这些问题。 Then they can sign agreement of a both sides, from this bank A can maximum be used in lending or the investment the depositor fund. 那么他们可以签订一份双方的协议,由此银行A就可以最大限度的把储户资金都用于借贷或者投资。 In the federal history has had this matter, finally the bank A investment failure went bankrupt, bank B takes „bankruptcy not to refuse to pay the deposits of all depositors for the reason in the agreement”, finally is the lawsuit projects on lets it go finally, the bank A major stockholder spent two years in jail. 联邦历史上就发生过这种事情,结果银行A投资失败破产了,银行B以“破产不在协议内”为理由拒绝支付所有储户的存款,结果就是官司打到最后不了了之,银行A的大股东坐了两年牢。 Naturally, they are also smooth, seized the money of many depositor legitimately. 当然,他们也顺利的,合法的夺走了很多储户的钱。 The banking system of the banking system and federation of Frat empire differs not in a big way, after all from some perspective, federal many rules is „model” Frat empire. 盖弗拉帝国的银行制度和联邦的银行制度相差不大,毕竟从某种方面来说,联邦的很多规则就是“借鉴”盖弗拉帝国的。 Afterward these rules in the developing process of society, gradual had the federal characteristics new rule to replace, but generally speaking, the two sides could be said as have a source. 后来这些规则在社会的发展过程中,逐渐的被具有联邦特色的新规则所取代,不过总的来说,两边可以说是同出一源。 In Frat, the biggest bank is Empire Royal Bank, because behind it is the imperial family, and money of state treasury also has in this bank, this made Royal Bank have the biggest energy, their guaranty money for deposits, imagined people were less. 在盖弗拉,最大的银行就是帝国皇家银行,因为它背后就是皇室,并且国库的钱也存在这个银行里,这就让皇家银行都有了最大的底气,他们的存款保证金,比人们想象中的要少。 Once the earnest money in bank were taken, what fate will have? 一旦银行里的保证金被取完,会有什么下场？ Does not have money to pay to other depositors, bank faced with huge danger, even may go bankrupt. 没有钱支付给其他储户,银行面临巨大的危险,甚至是有可能破产。 In this situation, these lender worry repayments, they will not only tow absolutely as far as possible, drags till the bank failure, again with inexpensive „price” buys out own „debt”. 在发生这种情况时,那些贷款人绝对不会着急还款,他们只会尽可能的拖下去,拖到银行倒闭为止,再用廉价的“价格”买断自己的“债务”。 Assuming that taking advantage of bank 1 million, direct repayments even does not want the interest, must also 1 million. 假设借了银行一百万,直接还款即便不要利息,也要还一百万。 After may waits for the bank to go bankrupt , conduct the asset auction, they had the possibility 3.5 million to buy oneself debt, saved several hundred thousand legitimately, so long as the brain normal people know that at this time must make anything. 可等银行破产之后进行资产拍卖,他们有可能三五十万就买走了自己的负债,合法的省掉了几十万,所以只要脑子正常的人都知道这个时候要做什么。 Now, the run has revealed its might, even does not need the aristocrats to run on, is the civilians can make the major banks unable to endure merely. 现在,挤兑风潮已经显露出它的威力,甚至都不需要贵族们去挤兑,仅仅是平民就能让各大银行吃不消。 The major banks receive the news rapid fermentation of run, some television stations cut into the live broadcast picture immediately, but this also caused not to know the person who many this news, knew this news. 各大银行受到挤兑的消息迅速的发酵,一些电视台立刻切入了直播画面,而这也导致了更多并不知道这个消息的人,知道了这个消息。 The bank must not have money, people have been lining up to start to take the money, did not go without enough time! 银行要没钱了,人们已经排着长队开始取钱,再不去就来不及了！ Various interviewed people or angers, or anxious, either desperate and reporter narrated their mood to change, collapse not, only then they, these people before television. 各种受采访的人们或者愤怒,或者焦急,或者绝望的和记者叙述他们的情绪变化,崩溃的不只有他们自己,还有电视机前的那些人。 „First Lord of the Treasury ended!”, Lynch looks long team that the television rock row has, now aspect thorough is bright, his looks to own little fan younger brother, „present exchange finance index how?” “财政大臣完了！”,林奇看着电视中排起的长队,现在局面已经彻底的明朗起来,他偏头看向自己的小迷弟,“现在交易所金融指数怎么样了？” The youngest Count jolts ran to make a phone call, then jolted ran, „Mr. Lynch, has started to fall, but the decline range was less than 1%......” 年纪最小的伯爵屁颠颠的跑去打了一个电话,然后又屁颠颠的跑了回来,“林奇先生,已经开始了跌了,不过跌幅不到百分之一……” „Doesn't matter!”, Lynch responded to one, then looks to others, „bank happens the run, will facilitate the fix price for forward delivery of money market.” “没关系！”,林奇回应了一声,然后看向其他人,“银行一旦发生挤兑,紧接着就会促成金融市场的抛盘。” „People because was worried that own money Qu does not come out, or the cash is insufficient, but ahead of time ended their financial investment plan, some especially big enterprises.” “人们会因为担心自己的钱取不出来,或者现金不够用,而提前结束他们的金融投资计划,特别是一些大企业。” Lynch pulls out cigarette, the youngest Count takes the cigarette lighter to ignite the cigarette for him immediately, a face worship looks at Lynch. 林奇掏出一根烟,年纪最小的伯爵立刻拿着打火机为他点着香烟,一脸崇拜的看着林奇。 Two people are almost obviously big, he seems like a child, but Lynch in an by another way, has been controlling the struggle between prime ministers and First Lord of the Treasury. 明明两人差不多大,他还像是一个孩子,而林奇已经在以另外一种方式,左右着首相和财政大臣之间的斗争。 Found the feeling of person of father's generation on the contemporaries, this will leave behind deepest shock to these young people, a blind worship. 在同龄人身上找到父辈的感觉,这会给那些年轻人留下最深的震撼,一种盲目的崇拜。 Lynch said thanks, the vision stayed a meeting on the face of young Count much, the young Count is a little unexpectedly shy. 林奇说了一句谢谢,目光在小伯爵的脸上多停留了一会,小伯爵居然有点害羞。 Endured not to have the impulsion of goosebumps, Lynch moved out of the way the vision, „the beforehand First Lord of the Treasury forced these listed company's more or less buy-back circulation stocks in a variety of ways, drew the stock by this price, stood firm the market quotation.” 忍着不起鸡皮疙瘩的冲动,林奇挪开了目光,“之前财政大臣通过各种方式逼迫那些上市公司或多或少的回购流通股票,以此来拉动股票的价格,稳住市场行情。” „This also creates the phenomenon that one type no one had thought, that is in the pockets of these big companies the floating capital becomes few.” “这也造成了一种谁都没有想到的现象,那就是这些大公司的口袋里流动资金变得很少。” „I am a merchant, I have incessantly a company, my very clear merchants regarding the management of floating capital actually very strict.” “我是一名商人,我有不止一家公司,我很清楚商人们对于流动资金的管理其实非常的严格。” „Strict that I said is not they must guarantee oneself have more floating capital, but is they must guarantee the floating capital without affecting the company revolves with facing some premises, each one cent must spend to go out.” “我说的严格并不是他们要确保自己有更多的流动资金,而是他们要确保流动资金在不影响公司运转和面对一些突发情况的前提下,每一分钱都要花出去。” „This also means that the buy-back outside plan, making their present cash approach the warning line, in addition the run on a bank disturbance, more impossible to draw out any large cash to these big companies at this time, if they wanted the anti- risk, the best way was to sell the stock.” “这也意味着计划之外的股票回购,让他们现在的现金靠近了警戒线,加上银行挤兑风波,这个时候更不可能给这些大公司支取任何大额的现金,他们如果想要抗风险,最好的办法就是卖股票。” „For serveral days in they bought many stocks, now feels nauseated, but must sell more stocks, deals the financial crisis that may presents!” “这些天里他们买了多少股票,现在都要吐出来,还要卖更多的股票,来应对有可能出现的金融危机！” The Lynch one breath said that the aristocrats in room hear very earnestly, no matter they really can understand, pretends to understand, at least they seem like the appearance that can understand. 林奇一口气说了很多,房间里的贵族们都听得非常的认真,不管他们是真的能听懂,还是假装能听懂,至少他们看上去是能听懂的样子。 If some people remember that quite, may discover well with the lapse of time, the person of inquiry are getting fewer and fewer. 如果有人记忆比较好的话,或许会发现随着时间的推移,提问的人越来越少。 Was not they can understand the idea of Lynch, but by their abilities, in these aspects could not propose more issues, after all Lynch was specialized, they were not. 不是他们都能够理解林奇的想法了,而是以他们的能力,在这些方面根本提不出更多的问题,毕竟林奇是专业的,他们不是。 He rested slightly the moment, drank coffee, eating one was sweeter much the small cakes and pastries , to continue saying that „bank to deal with the run, they will definitely tighten the cash, will receive after dunning the loan.” 他稍稍休息了片刻,喝了一点咖啡,吃了一块甜得腻人的小糕点,继续说道,“银行为了应付挤兑风波,他们肯定会收紧现金,甚至会对一些贷款进行催收。” „You should know, many enterprises operate in the negative asset, if the bank does not find out the issue, does not think, because the run appears is unable to pay even the issue of bankruptcy, they best way comes back money Shou.” “你们应该知道,有很多企业都在负资产运营,如果银行不想出问题,不想因为挤兑出现无法支付甚至破产的问题,他们最好的办法就是把钱收回来。” „This also indicates that some enterprises will present the vital financial problem, once the fund in their account screened out by the bank, these enterprises support the next payday to go bankrupt!” “这也预示着一些企业将会出现重大的资金问题,一旦他们账面上的资金都被银行抽走,这些企业撑不过下一个发薪日就要破产！” „However currently also has to the next issue date......”, Lynch looks at this point to others. “而现在离下一次发行日还有……”,林奇说到这里看向其他人。 This issue is not difficult, on the aristocrats face showed depth participation smile immediately, many people rush to reply, „only had one week of time!” 这个问题不难,贵族们脸上顿时露出了深度参与其中的笑容,不少人都抢着回答,“只有一周时间了！” Lynch nods, this lets each aristocrats who answered this issue have a joy from the heart, is not only because they participated in the entire process, but can also interact with Lynch , because they responded this crucial issue. 林奇点了点头,这让每一位回答了这个问题的贵族都有一种发自内心的喜悦,不仅是因为他们参加了整个过程,还和林奇能够进行互动,更是因为他们答对了这个关键性的问题。 So long as the people are participate, bewildered feelings, one type will let the person incomprehensible mood. 人只要是自己参与进去的,就会有一种莫名其妙的情愫,一种让人不能理解的情绪。 Lynch breathing a sigh of relief of slowly, „this competition must end quickly, is we strive for the advantage the time.” 林奇缓缓的舒了一口气,“这场比赛很快就要落幕,接下来就是我们争取好处的时候了。” „First Lord of the Treasury must leave office, your majesty must enter the arena, each of us becomes more valuable!” “财政大臣要下台,陛下要进场,我们每个人都会变得更值钱！”