Rebirth: Super Banking System Chapter 5 - Three Personal Banking System_1

Tang Qing pondered deeply about his prospects ahead.

The most frustrating aspect was.

Facing the National College Entrance Examination once more.

After graduating so long ago.

He had essentially forgotten nearly all his high school lessons, handing them back to his teachers. The problems looked somewhat recognizable, yet they escaped his memory. He could only gaze at them in confusion, wishing he could crush them if possible.

Luckily, eight months remained before the College Entrance Examination.

Besides, drawing from his experiences as a university and postgraduate student, relearning high school material shouldn't prove too challenging.

"Looks like I need to hit the books hard for under a year. Given my smarts, it ought to work out fine, at least matching or better than my last life," Tang Qing murmured to himself.

Right then.

Tang Qing felt a twinge of jealousy toward those predecessors blessed with eidetic memory.

Regrettably, he had just tested it and discovered he lacked this desirable talent.

He desired to join the same university as Lin Jiaxue.

To relive that youthful phase filled with past regrets, fulfilling the dreams of their younger selves side by side.

Naturally.

Earning money remained essential.

The Tang family lacked wealth. Both his parents worked at the Textile Factory as laborers. Following the factory's shutdown, they lost their jobs. Eventually, they leased a small storefront on a street in their county hometown.

Dealing in assorted branded apparel.

They set off at dawn each day.

And came back only after nightfall.

All to scrape together a little extra cash.

For over a decade, they labored relentlessly throughout the seasons. Aside from a couple of days off during New Year's Eve and New Year's Day, they enjoyed scarcely any leisure. Every month, they forwarded three hundred RMB to his aunt for household costs.

From that, thirty RMB served as his allowance.

In contrast to his life at his uncle's home, this sum fell short. His aunt frequently purchased outfits and school items for him, plus extra spending money, without informing his parents.

Thus.

Throughout.

He held profound thanks toward his uncle's household.

In his prior existence, the elderly pair had toiled diligently and accumulated some funds over those years, planning to use it for Tang Qing's house purchase and wedding.

Sadly.

They hadn't foreseen that two years prior, his grandfather would collapse while working the fields.

Rushed to the medical center, he received a diagnosis of advanced brain tumor. Being the sole son, Tang Qing's father shouldered the treatment expenses.

His father did possess a younger sibling who apparently erred in youth. He vanished to distant lands and never resurfaced. Tang Qing remained unclear on the details, and his father stayed tight-lipped.

Following that.

His grandfather's condition nearly drained the family's reserves. He didn't last much longer before departing this world.

His grandmother followed in the same year.

He would encounter his uncle, Tang Kai—his father's brother—three years post his grandfather's demise, which meant next year in April. It appeared his uncle evaded something during that period.

He met them fleetingly.

Shared a meal, then departed.

And vanished from their lives forever.

Reflecting on how his parents slaved away their entire days without tasting any real comfort.

A sharp sorrow gripped Tang Qing. In this lifetime, he resolved to amass wealth abundantly, ensuring a superior existence for those he cherished and who cherished him. Tang Qing pledged this quietly within.

Next, Tang Qing turned his mind to methods of generating income.

Despite his many years of life, he had been merely an average individual—studying diligently, working steadily, and now and then diving into novels. No exceptional abilities marked him.

Unlike those forerunners skilled in coding.

He recalled no lottery results.

Singing escaped his talents.

Stock details eluded him, nor was he a genius.

Though he endured several years navigating societal hardships, it appeared futile.

Wait, that's incorrect.

Stocks offered potential, yet not for another half-year.

Merely two or three standout "black horse" stocks. The grand bull run of '07 lay distant still.

He dreamed of heading to Beijing, Shanghai, or Guangzhou to snag properties and hold them. Yet starting capital evaded him. His parents held some savings, but coaxing them to hand it over? Heh, no chance.

Tang Qing ruffled his hair in frustration.

Abruptly, it hit him.

No swift money-making scheme surfaced in his thoughts for now.

Nor did any ventures emerge from nowhere to exploit.

Heavens.

Are you toying with me once more? At least toss me a golden finger.

Without it.

Relying on this sparse '04-era recollection.

The bulk of the internet boom had been devoured already, cornered by massive corporations. Numerous had even listed publicly; investment openings now seemed negligible, much less down the line.

It resembled rushing into the wilderness with a firearm for the hunt.

Only to discover no ammunition packed. That sensation struck utterly crushing.

"If only I could print cash myself."

After prolonged deliberation, no solid plan emerged.

As Tang Qing's mind wandered ever further, soaring into realms of fanciful dreams, a clear, bell-like voice echoed inside his head.

"The Personal Banking System is at your service."

This unexpected sound.

Jolted Tang Qing, sending him leaping from the bed.

Not sheer terror, merely an instinctive reaction. After a brief daze of seconds, Tang Qing assessed his predicament. Holy crap, what's happening—has my golden finger finally shown up?

What was that phrase?

A bank?

Didn't that spell mountains of cash, mountains of cash, mountains of cash, mountains of cash! Worth repeating thrice, or fourfold for utmost emphasis!

"What kind of system are you?"

Regaining composure, Tang Qing whispered.

"Personal Banking System." The voice replied once more.

Hearing this, Tang Qing exhaled deeply at last. Clearly no delusion, and yes, a genuine bank.

"What's its purpose?" Tang Qing inquired.

"To guide you toward becoming a capable banker."

"..."

Tang Qing inwardly grumbled, realizing his query might have missed the mark.

"What capabilities do you offer?" Pondering briefly, Tang Qing posed the next question.

"I supply essential resources and data to aid your journey to bank management."

Through detailed inquiries spanning over ten minutes.

Tang Qing grasped the system's functionalities at last.

During the starting stage, it furnishes him with a fixed sum monthly, allowing loans to those in need, with principal and interest reclaimed at term's end. He may also draw loans from the system each month.

The system imposes a mere 0.5% monthly interest on outward loans.

Yielding an annual rate of six percent.

Closely mirroring typical bank commercial loan rates, though banks vary slightly, hence the system's neat rounding.

Should his lending rate surpass 0.5% monthly.

Any excess profit from interest becomes his to keep.

His own borrowings carry no interest, but come October 1st yearly—the annual reckoning—he must settle all yearly personal loans in full at once.

No early or late allowances.

Failure to clear by day's end.

Spells farewell from the system.

Shortly after.

Tang Qing shut his eyes.

Summoning the system's profile details.

Abruptly, a futuristic control panel materialized in his thoughts:

Host Name: Tang Qing

Account Level: Level 1

Experience: 0/100

Loan Quota for This Month: 0/500,000

Personal Quota for This Month: 0/100,000

Withdrawable Assets: 100,000

Spirit: 51+10 (human limit 100)

Physical Fitness: 49+10 (human limit 100)

Origin Qi Value: 10

Per the system's rules, each 10,000 in client principal repaid yields one experience point. Level ups double the base for both external and personal quotas. Thus, level two grants 200,000 monthly personal borrowing.

He puzzled over the Origin Qi Value's meaning.

The system merely noted it enhances assorted abilities.

Future unlocks remained veiled: The system claimed insufficient access for viewing. Yet Tang Qing, versed in the language, instantly deduced the +10 boosts' roles from those entries.

Regarding withdrawable assets.

These represent funds drawable from his system personal account.

Level 1 kicks off with a 100,000 RMB gift, non-repayable.

Each level advance adds the current level's monthly personal quota as bonus cash. So, reaching level 2 nets an additional 200,000 RMB for unrestricted use.

Goodness.

Genuine free funds indeed arrived.

Staring at this 100,000 bonus, Tang Qing stood awestruck.

Possessing a system proved incredible.

Pre-rebirth.

Beyond parental aid, his personal stash hadn't reached even fifty thousand.

The system burst onto the scene, dazzling his keen vision with 100,000 RMB pocket funds.

And this in 2004.

Where 100,000 RMB held immense buying power, bliss struck without warning.

To nurture his growth.

Monthly, the system proactively supplies a borrower needing 40 to 60 percent of the external loan quota. This can't refresh. He signs deals per task specs.

Regardless of final repayment.

Experience accrues automatically at contract end, sans penalties.

For leftover amounts, he seeks borrowers independently. At level one, contracts span ten days to one month max, with full-month interest regardless.

Say, a ten-day borrow.

Still demands a month's interest.

Currently, no loans beyond one month via system, and only system-issued ones award experience. Private or alternative lendings yield none.

Early payoffs change nothing.

Experience triggers solely on due date.

For late payers, it hits upon actual repayment.

On this note.

The system's rather tricky monthly review at midnight on the first must be addressed.

It evaluates all contracts maturing from prior review to this month's first day midnight. Unpaid sums hitting 20% of the signed month's total.

Counts as a fail.

Per level, two straight fails or three total trigger system departure.

Take this month at 500,000 external quota.

Excluding system picks, if other deals top 100,000 unrepaid by review, it fails.

Yet the system offers wiggle room.

Contracts end before review times.

He can urge repayments in that window, averting issues.

For instance, a loan on the month's second day matures next month's second. It skips this first's review, facing the following month's. With smart handling, risks stay low.

Repaid principal and interest via system vanish immediately.

Unreusable.

Naturally.

Non-repayers prompt no system action.

Debt chasing falls to him. The system transfers losses fully to him, forgoing interest too; lost principal factors into yearly personal settlement.

Post-review repayments don't reverse fails.

This forces vigilant risk management.

As for covering borrower debts to the system, Tang Qing mused on it but shied away, recalling the system's prior warning to him.