William of Blackhawk Bank sat on his delicate chair that could revive his men's might. Through the huge floor-to-ceiling window, he looked down at the crowd passing by the bank door outside the window, looking for a familiar feeling.

"That little homeless man has done a lot of things recently?" He took a sip of a cigar while looking at the crowd like ants.

“Yes, recently, President Woolsey of Yale College has publicly admitted that Doug Clayden was his student.

At the same time, Doug Clayden also released his second board gameplay, "Prosperity", and formed "Monopoly" with the previous "Monopoly".

When he returned to the factory, it was said that five hundred Yale students followed him. According to the survey conducted by investigators at the entrance of the Clayden Printing and Dyeing Factory, at least two hundred and thirteen Yale students followed him to the printing and dyeing factory."

The blonde secretary has a bulge in front and back, and it is even a bit deformed. It is hard to believe that a secretary with such a figure is really capable of doing the work that the secretary needs to do.

William spit out blue and white smoke with a cigar in his left hand, and pinched his elastic buttocks with his right hand, and said slowly, "That means that little homeless man has really become a character?"

"Yes." The blonde secretary said, letting his boss's big hands rag on him, and his voice had not changed.

"His plan really made me make some money... Is it a talent?" William's face was grim.

On the day Doug Clayden borrowed, the plan he wrote was a bank voucher exchange system for the entire New England region.

There are more than 1,000 state banks in the United States that have the power to issue bank vouchers, and there are no less than 700 in New England alone.

The strength of these state banks is different and the ability to withstand risks is also different.

In the event that no bank does not have any violation, everyone is at risk of bankruptcy.

Once a bank goes bankrupt, the bank vouchers issued by the bank are a piece of waste paper.

Therefore, people who hold bank vouchers, especially smaller bank vouchers, are always uneasy.

However, the current monetary policy in the United States is the gold standard, and both silver and copper coins are just auxiliary coins.

However, whether it is the gold coin US dollar itself, or the silver coin and copper coin US dollar auxiliary coins, it is too small compared to the current economic scale of the United States.

State banks can issue bank notes to a certain extent instead of metal USD circulation, which is also a compromise to avoid deflation.

But this kind of compromise is risky...

Once a large number of bank bond holders ask to convert bank bonds into metal dollars, the bank will go bankrupt.

However, this bankruptcy does not affect the government, because whether it is the state or the federal government, their taxes are collected by the state banks.

After the state bank confirms that the amount is correct, it transfers metal currencies of the same value as the banknotes to the state and federal governments.

Therefore, the risks are mainly passed on to ordinary American people and small business owners.

The American people cannot fight against the policy, but they are not stupid. In the actual process of bank bond flow, in order to avoid risks, they will depreciate the bank bonds to varying degrees according to the different risks of banks in different states and exchange them into metal currency in the fastest time.

The plan Doug Clayden wrote that day was a package of bank vouchers exchange plan.

Compared with other state banks, because the New Haven Blackhawk Bank manages the Yale Fund on its behalf, the reserves of metal currencies are more abundant.

The most important thing in finance is confidence!

First use metal currency to acquire idle bank vouchers issued by banks in other states in the hands of ordinary people, and build confidence in their hearts.

Then, replace the metal USD with Blackhawk Bank vouchers.

Then, if everything goes well, Blackhawk Bank earns the price difference profit and also controls the larger issuance of silver coin coupons, and perhaps one day it can monopolize the supply of bank coupons throughout New England, which is equivalent to indirectly controlling the supply of money.

Compared with the weak power of more than 700 state banks, a state bank that has mastered the money supply in the essence of the northern United States can strive for benefits from the state and federal governments more strongly.

even……

They may become de facto central banks and have the right to issue currency legitimately.

Even if it is not going well, the bank will be in a bank run crisis before it can be exchanged. Blackhawk Bank can also use the identity of a large holder to exchange first, or provide short-term metal currency lending.

If it fails, the target bank that resolves the liquidity crisis will not be able to repay the principal and interest of the lending, and can also convert the debt into shares, allowing Blackhawk Bank to gain actual control of the state bank.

In William's view, Doug's plan was simply tailor-made for Blackhawk Bank.

Although there are some risks in it, compared with such objective returns expectations, this risk is almost negligible.

The most important thing is that the entire plan is full of phased milestones.

Just implement a small part of it and you will get corresponding profit returns, which makes it easier for him to convince shareholders.

Therefore, the stingy William was moved and gave Doug a bank bond loan that seemed to be quite large, but compared to this plan, it was a trivial usury.

After convinced the board of directors, he went out for several weeks and finally established confidence for Blackhawk Bank in most cities and villages in Connecticut, and passed the most difficult process of exchange of metal currency to exchange Blackhawk Bank vouchers in the early stage.

The success of his career made him stronger in his early years due to his excessive addiction to adult games.

With a radiant look, he pushed the blonde female secretary to the huge floor-to-ceiling window and galloped roughly and roamed.

It was still daytime. If the pedestrians who were surging their heads slightly, it would be not difficult to find such a scenery.

only……

People with work are bent over by the hard work and have no time to look up; people with no job are looking for ways to support their families and have no intention of looking up.

Perhaps, only those homeless people who have given up completely will look up at the sky occasionally.

"Carlton! I have brought people. I am one of the first female workers to be the first to be recruited by the little ghost. With her, our female workers training will definitely be much faster!"

Behind Thompson, who was happy, was a restrained female worker wearing an apron and a blue collar.

"Sir...you said...will I give me ten dollars as long as I come to your side?" the female worker asked tentatively.

"Really! Of course it's true! Carlton, look! How cheap! For only ten dollars! We can get everything that the little guy has worked hard to arrange!"

"Thompson, don't be too happy too early. That boy's trouble has just begun, and you're over now. What's the next thing to be happy?"
Chapter completed!