Darkstone Code

Chapter 1477: Chapter 1475: Let’s Talk

Not far from the Lemar Islands government office building, Lynch calmly observed everything from behind the glass window.

He held a glass in his hand, gently shaking his wrist, causing the golden liquid within to swirl counterclockwise.

More and more people were gathering outside the government building, the dissatisfaction accumulated over this period against the President and the ruling party had been completely ignited by an "arrogant and unreasonable" halt order!

The number of people ignited at the moment was not very large yet; this needs a process, now people just needed to know this.

The noisier it was outside, the calmer Lynch felt inside. He couldn’t quite understand why the Grand President suddenly struggled, doing so was evidently accelerating his demise.

The only hesitation he had at the moment was whether to break the Grand President’s spine with a single blow!

If a conflict between police and civilians erupts at this moment...

He quickly dismissed the thought, not because he was particularly benevolent, but because the timing was not right.

This is not an excuse, if the Grand President was toppled immediately and resigned from the blame, the autonomous party could likely come to power.

If they came to power, they would face the National Bank’s explosion, and perhaps the newly appointed President wouldn’t hold for long either, so the Grand President could step down, but only after bearing all the responsibility.

Lynch downed the wine in his glass, turned around to face the somewhat constrained Lemar National Bank’s loan department manager sitting on the sofa.

Because he had a loan relationship with Lemar National Bank, and a substantial amount at that, he knew this loan business manager, and today he invited him over.

The loan business manager felt somewhat constrained, clearly, he was the borrower and should have exhibited more assertiveness.

But in front of Lynch, he couldn’t straighten his spine.

When making collateral, they had partially assessed Lynch’s assets within the Federation, merely the immovable properties he showcased, mainly real estate, land, and Gold.

Lynch’s assets were sufficient to allow him to take a lot of money from the National Bank, which gave people at Lemar National Bank a precise concept of the Federation’s wealthy individuals for the first time.

Perhaps compared to Lynch alone, Lemar National Bank could still maintain some advantages, but one must consider how many wealthy people are in the Federation, and how many are wealthier than Lynch!

Thinking of this, the loan business manager couldn’t straighten his back to speak loudly, perhaps in Lemar, there were still people holding unrealistic fantasies about life.

But in banking, in loans, he knew very well that money was everything.

Lynch didn’t specify what he wanted to do today, which made him somewhat uneasy.

From his experience, generally, when someone proactively contacted him without specifying the reason over the phone, it often meant they wanted to borrow money.

There wasn’t much money left in the bank, don’t look at Lynch lavishing cash within the island, not only hadn’t this money been deposited into the bank, but it even stimulated a slight capital reserve outflow!

People were hoarding funds, hoarding supplies, with cash flowing rapidly and constantly moving, even if this money eventually entered the bank, it wouldn’t be long before it circulated out again.

If developed countries like Gafura and Bail Federal had such considerable currency circulation speeds, the rulers might wake up laughing in their sleep.

But here, this wasn’t a good thing.

A slow-paced society suddenly speeding up in currency circulation, what does it mean?

It means every aspect of society participates in consumption, and in such relatively less productive places, the concentrated burst of consumption ability would soon lead to material shortages in society.

Coupled with the suspension of international trade, in just about one to two weeks, people would find it difficult to purchase desired items, even with the money in their hands.

Except... fish!

People might not yet feel this situation, but in daily life, there’s always someone inadvertently revealing some signs.

Like some product shortages in shops, shop owners would complain that those imported items were temporarily out of stock.

This kind of initially unnoticed anxiety was quickly causing people’s emotions to lose control in places unseen!

Once the loss of control occurs, the scale and speed of the loss of control will only get larger and larger!

Of course, this had little to do with the loan business manager; he was now considering why Lynch wanted to contact him.

And if Lynch wanted to borrow money... how should he refuse?

Just as the loan business manager was thinking about how to phrase a refusal to Lynch’s continued borrowing, Lynch sat across from him, asking a rather strange question.

"Have there been many loan applications recently?"

This question was quite unprovoked, but considering Lynch’s identity and status, the loan business manager honestly answered the question.

"Yes, quite a lot..."

Poor economic conditions certainly meant many lacking money, and unlike the Federation with many banks to choose from, Lemar was different.

In Lemar, the largest and best-performing loan business was Lemar National Bank.

Private banks, in reality, operated loan businesses quite flexibly.

When everyone could make money, they would initiate loan businesses; even if someone couldn’t repay, they could make them go out to sea for a few months, usually recovering the loans.

These private banks wouldn’t take out too large amounts unless they had other purposes.

When economic conditions were poor, these private banks absolutely wouldn’t bring up loan business matters.

Compared to the National Bank with more financial products, private banks resembled civil fundraising and savings organizations.

Now these private banks weren’t lending externally, people could only turn to the National Bank.

Some people’s loan requests were not large, at most the salary of ordinary people for half a year to a year, which in reality reflected people’s "optimism," believing that within half a year or a year, they could solve the issue of not earning money.

There were many such loan applications, but except for a few, the bank generally no longer approved them.

Allowing applications was one thing, not approving was another.

Now the bank’s reserve funds were not abundant, and if a mass of loans was approved, the ability to counter risks would be even lower!

Lynch slightly nodded, "So, actually, the bank now has no money, right?"

The loan business manager froze for a moment; his forehead visibly began to secrete a fine layer of sweat.

"Sorry...", he snapped back, taking out his Handkerchief to wipe the sweat on his forehead, simultaneously concealing his shock.

After a while, clutching the Handkerchief, he faced Lynch with a rather stiff smile, "Why say this, Mr. Lynch?"

Lynch wasn’t so cautious, nor did he hide his thoughts.

"I observed this before coming here and after arriving."

"Lemar is at an important stage of development; new finance is gradually shining light, primitive yet practical futures trading, maybe even stock trading in the future."

"The influx of foreign capital accelerated this change process, causing Lemar’s market and finance to rapidly develop."

"Without external interference, perhaps everything would proceed towards prosperity, but external forces always exist."

"The foreign capital fled too swiftly, leaving insufficient preparation time for you, in the eternally evolving international trade and financial market, which are always capital Black Holes!"

"You couldn’t swiftly retrieve the money lent out, while the part of the funds slated for reserves was being drained..."

Lynch paused for a moment at this point, then took out a brand new one hundred-dollar denomination banknote and placed it on the coffee table.

Seeing this banknote, the loan business manager’s forehead sweat grew larger, beads of sweat continuously emerging and couldn’t be wiped clean.

This batch of money was handed to Lynch by him, and he was well aware of where this money came from.

Strictly speaking, this money can’t be considered currency until announced and allowed to circulate by the Lemar government!

Lynch looked at the perspiring loan business manager, not caring about his collar or dignity, and asked another irrelevant question.

"Want to go to the Federation?"

"I can help you apply for freedom of immigration; you can take your family to settle in the Federation, and you will be satisfied with life there. At least I think you won’t find a more suitable place for wealthy people than the Federation."

The loan business manager still hadn’t spoken, keeping his head low; he vaguely realized Lynch wanted to make his move, unsure of how to respond.

"Actually, no matter how much of this money there is, how much it can support, its quantity is far from enough."

"You should be clearer about this point than I am!"

"Regardless of whether you plan to fully expand new bills, or just print a batch, the result won’t differ at all."

"Coupled with the current internal and international situation in Lemar, this is a deadlock, it can’t be unlocked."

"Moreover, speaking candidly, the money I borrowed from the bank, I don’t intend to repay, nor will I give you any consideration for auctioning collateral."

"Look, you gave me all the reasons prepared..."

The loan business manager once again looked at the new banknote on the table; he realized that if Lynch truly didn’t repay or allow the bank to auction his collateral, then unquestionably, someone would have to take responsibility for this money.

Would Lynch be responsible?

No, he’s a Federation citizen, very well-connected with the Federation President, he wouldn’t be the one responsible.

Would the President of the bank be responsible?

No, the bank’s President’s work had nothing to do with the loan business, he didn’t need to bear this responsibility.

Then who would be the one to bear the responsibility?

The loan business manager clenched his fists; if the bank needed a scapegoat, then unquestionably, he was the most suitable candidate.

He had worked half a life to rise to a middle-upper position at the National Bank in this desolate place, once believing his life would significantly differ from others, would shine brighter!

But at this moment, he was desperate!

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