From the beginning of the book to now, I have written nearly 600 chapters, and the second volume "The Sorrow of Gringotts" has been completed.

This was foreshadowed from the beginning. The delicious food Elena was about to eat finally fell into her stomach safely, and from now on, Elena's title could finally add another legendary label.

Compared with the 600,000 words of the first volume of "The Newborn Demon King", the length of the second volume is obviously much longer. I looked at it and wrote just one million words. I was very happy to write this part of the plot.

Although the writing was a little tiring in the later stages, I had already thought about the story line and important plot points that I wanted to show from the beginning of the book.

In fact, according to the original plan, the plot here should have ended in the first volume.

It’s just that when I wrote about 100,000 words, I realized that it would take too much preparation to overthrow a financial institution that has been the only one for thousands of years, so I moved it to the second volume. But even so, the ending is still a bit abrupt, maybe

Many little chubby chickens will feel like they are reading a textbook when they read the subsequent chapters of Douglas's confrontation with Gringotts.

The name of this volume is "The Sorrow of Gringotts". In fact, the entire first half of the first volume and the second volume can be seen as a conspiracy to plan Gringotts. The most vulnerable area in the wizarding world is the financial field.

, but the catalyst for the rapid operation of a society is also the field of capital, so if Elena wants to change the world, she must ultimately fall at the level of wealth.

As a freshman who has just entered the magical world, Elena's biggest golden finger is actually that she happened to know the "super black swan event" about the disintegration of the Soviet Union, and it was stored in her mind because she studied hard before traveling.

In terms of financial knowledge, she is actually like a tireless lever, constantly rolling the snowball gradually.

However, if you want to control such a huge change in one year, just relying on a little cleverness is not enough. The primitive accumulation of capital does have the smell of blood, but if you do not have the strength or blindly follow the evil path, then that

The smell of blood will eventually emanate from itself.

But one day before I went to bed, I suddenly remembered that this was supposed to be a fairy tale, not a story about fighting monsters.

Therefore, I liberated Grindelwald in the first volume, and then tried to change some of Elena's outlook on life and values ​​little by little in the second volume, trying to make this capital devouring less cold.

ruthless.

It is difficult for such idealized people to survive in the real financial market, because there is no magic in the world we live in, so when one party’s interests are to be satisfied, tragedy and hardship will definitely outweigh the interests, and some people

If you do something wrong, you will definitely be punished... If there is no magic, it will become cruel, painful and desperate.

From that point on, I gave up on the originally planned ending that might be more shocking and tragic, and thought about how to use some attributes of magic and finance to make the whole story a good game with laughter.

The following content, in fact, if you look back slowly, you should be able to vaguely think of some details.

For example, the competition for the vegetable gardens of the four colleges is actually a small market with uneven resources. The fights among the students are actually a microcosm of the war that takes place in the real world. However, magic and the school environment turn everything into a fairy tale. Magic

What’s more, the price everyone needs to pay will not be permanent scars and pain.

Another example is the establishment of some columns in "The New Quibbler", which gradually allowed information to move from being closed to a diversified media platform, opening up a small window in the invisible barrier between Hogwarts and the wizarding world.

And exploring the past history between the non-magical world and the magical world, looking for the opportunity for the two worlds to merge together.

The Acromantula and Elena living in the Forbidden Forest are actually the result of another failed game.

Hostility and estrangement only require a small reason between two races for a genocide-level war to break out. This is actually another microcosm of the relationship between human wizards and goblins. If there are no common interests, then the corpse of the other party

It is often the last point of interest - I will explain the explanation about Gringotts separately later, but I will just briefly mention it here.

Of course, in this process, I also gradually grew up and began to learn to lay some foreshadowings and clues in the plot, waiting for the unfolding of the third volume. After all, the plot expectations of the third volume may not be so clear, and

The deviation of the story line also makes it almost impossible for me to refer to the original plot in the following story.

The name of the next volume has been determined very early. The main line is very clear, and there is a lot to write about. The perspective will return to the school from the outside, mainly focusing on Hogwarts. The name is called "Someone".

Scientific Hogwarts".

Combining this volume title with some of the previous content, many little fat chickens should be able to imagine some stories. Most of them are the changes that Elena began to bring about in the layout and campus life, but now many lines have not been fully developed.

To write about, such as the reform of Potions class, the principles of transfiguration, the introduction of natural subjects such as mathematics, such as thinking about ghosts and portraits, the scientific classification of magical animals, such as Quidditch and the necessary revision of some magic regulations, such as

The redefinition of the history of magic, such as the academic progress of the magic world...

Compared with other books, after upgrading and fighting monsters, after finally becoming a strong person, and then pursuing money and material things, Elena's path may be more inclined to quickly accumulate wealth first, eliminate hidden dangers, and then concentrate on

To improve your strength, or to better influence and change the world - people, after all, they all have to be right.

When you are full, warm and thoughtful, only when you have solved the basic needs of life and food and clothing can you have the energy to pursue the so-called truth.

Therefore, the story in the next volume will definitely not end in a hurry, and there is no need to worry about too many separations from the previous ones. After all, all the foreshadowings are actually traceable, and this time Elena will finally stay on campus with peace of mind.

Really trouble-making.

However, that is a matter for the future, and now we should return our focus to the end of the second volume.

This part of financial knowledge is indeed a bit stiff. After all, you still need to study this kind of professional theory for a while before you can imagine the whole picture just by looking at a few clues. Otherwise, there wouldn’t be so many financial-related practitioners learning about hair loss.

, or just get sick from exhaustion, especially when sociological and mathematical concepts are also mixed into it.

How did I explain in just a few sentences what Fat Chicken had learned for seven years? I asked my instructor about this issue during a casual chat one day. As expected, I was severely laughed at and taught a lesson, and then I chose wisely.

gave up.

However, some of the most basic confusions and details can still be briefly explained.

The first volume, the second volume, and even the timeline of the original Harry Potter books 1-7 are actually compared to the period of 1991-1998 in real time, and Elena is currently in 91

-92, which is the legendary late twentieth century, is also the starting point where the Internet age has not yet developed, the financial age, and the information explosion is about to begin.

At this time, most people still think about problems based on the logic of the real economy, and most bad guys with evil intentions still use some simple, crude, inefficient and discontinuous deceptions. In many cases, they are still entangled in the contract traps or credit issues.

Regarding issues related to the real economy, as long as you are flexible and do not require professional knowledge, you will not be easily deceived.

In order to defeat Gringotts Wizarding Bank and the fragile financial system of this era, Elena intensively used classic financial scams that have been summarized and emerged in more than 30 years around the world within a year, or classic financial scams.

legal loopholes, and there are still controversial gray areas in the market...

To simply count, there are roughly: "Real Estate Entrusted Mortgage Dispute", "Leasing and Sales Dispute", "Ruble Scam", "Ponzi Scheme", "Pyramid Scam", "Rat Society", "Clos Scam",

"Unfair transaction disputes", "bank run theory", "asymmetric information fraud", "bad money drives out good money"...

But from a God's perspective and a modern perspective, it seems that people in the goblins and magic world of Gringotts, and non-magical people are stupid - in fact, those who can explain what she said are already considered the best in the industry at that time.

or.

Therefore, it is not that the opponent was hit by intelligence reduction, but this time Gringotts faced a dimensionality reduction blow that spanned the timeline. They did not even have the cases and channels to understand these new scams, so they directly became the third party.

A prey, after experiencing such a series of deceptions, can people and fairies learn lessons from the wounds.

In a sense, this crushing situation also illustrates the qualitative changes that have occurred in the entire world financial field since the collapse of the Soviet Union.

As for what happened at the capital level from the first time Elena stepped into Gringotts to the arrival of Her Majesty the Queen now, I can actually omit the part about the former Soviet Union and briefly explain it with some changes in money and equity.

.

First of all, Baimao Tuanzi used the Hogwarts title deed to mortgage a loan equivalent to 750 million gold galleons. Her original intention was to take advantage of the exchange rate difference after the collapse of the Soviet Union and borrow less than one percent of the gold.

Galleons' assets were converted into rubles, which were once equivalent to 750 million gold galleons, and were used to repay the loan - so that she could net a percentage of the exchange rate.

Later, she used the Tianming Group to amplify the currency equivalent of 750 million gold galleons by purchasing real estate, taking loans, purchasing again, and re-loans, and started the first snowball, turning the entire former Soviet Union.

The cost of capital operation has increased and the velocity of cash flow has decreased, forcing other capital to extend the investment cycle and increase investment.

On the Gringotts Raiders side, on the one hand, it used a Ponzi scheme to create panic and conflicts, and through runs, it greatly squeezed Gringotts' reserves. On the other hand, it used trials to force the racial dangers between goblins and humans to advance.

Appear.

Now the results of the public trial have denied the legality of the contract Elena signed for the first time, which means denying the fact that the 750 million gold galleons obtained from mortgaging Hogwarts have been handed over to the mortgagor.

It is equivalent to directly hacking the money - which means that the money is still in Gringotts's vault, not in Hogwarts.

At the same time, because Peter Pettigrew belongs to the dark forces and there are loopholes in the contract, his illegal gains need to be returned to the legal owners. In other words, Gringotts Wizarding Bank still needs to pay Hogwarts based on this.

The mortgage of 750 million gold galleons, of course, is now said to be placed in the Lestrange treasury.

In other words, just after such a change of hands, Gringotts had to make two loan payments for the contract to mortgage Hogwarts, from the original 750 million to 1.5 billion.

The total number of galleons.

Immediately afterwards, because Gringotts did not have enough money to pay the latter amount, the Destiny Group loaned 750 million gold galleons in Hogwarts to Gringotts to pay

To Hogwarts.

In addition to the second payment to Hogwarts, Gringotts also needs to repay the Destiny Group's 750 million gold galleons. This part exists as a loan, which means that it needs to be repaid later.

Or exchanged for equity.

Finally, in order to respond to and quell the anger from other bankrupt wizards in the wizarding world, Gringotts had to roll back the bank's deposit records, returning to the amount of "deposit liabilities" before the April 1 run and the increase in Ponzi schemes.

.And this part of the money can only be paid by the part of the gold coins that belong to Hogwarts and are stored in the Gringotts vault-that is, the second payment to Hogwarts should have been stored in Lesterland.

That part of the funds from Qijin Treasury.

In other words, Hogwarts has become a borrower of Gringotts. Gringotts will later need to repay the portion of the Galleons that Hogwarts lent to Gringotts as a reserve fund for wizards, or use

Equity s

That is to say, after this mortgage contract changed hands, Gringotts increased the liabilities of four Hogwarts mortgage contracts, totaling a huge debt of three billion gold galleons, and lost the right to mint, operate and issue coins.

.

At the same time, Elena also ate the entire Gringotts Wizarding Bank and the life savings of other wizards in the wizarding world. The blame for the disappearance of this money has now been placed on the Federal Reserve and the American Goblins, which is equivalent to losing most of it overnight.

The savings of a British/European wizarding community turned into a small amount of money for Elena, and at the same time turned into a bilateral liability for Gringotts.

Later, the Gringotts equity represented by [Hogwarts-Golden Gallon] was actually all in Elena's hands, although it seemed that as the currency flowed into the market, it became an equity owned by the whole people.

, but this is meaningless.

To put it simply, assuming that a fat chicken with a round face holds ten gold galleons, then theoretically he owns one billionth of the equity of Gringotts Wizarding Bank, but he wants to cash in on this right.
To be continued...