In the world of Computer Science, the intermediate to advanced concepts in Object Oriented Programming (OOP) such as inheritance and polymorphism play a lead role in designing solutions to complex problems.

In C++, these concepts are seamlessly integrated to produce efficient, scalable and reusable code, which is highly appreciated in the realms of finance, AI and web development.

As we've gone through earlier, concepts like Inheritance allow different types of financial derivatives, e.g. Stocks and Bonds to inherit from a common base class FinancialDerivative. This increases code reusability by allowing methods from the base class to be shared across different derivative types.

Polymorphism enables a system to be more modular through interfaces. Each type of derivative in our finance example can calculate its value independently while using a simple and consistent interface to the rest of the system. This makes the whole program easier to understand and more scalable.

The efficient utilization of these advanced OOP concepts is a crucial skill in C++ coding and software development. With a good grasp of inheritance and polymorphism, the large-scale system design with C++ does not merely remain a complex task, but becomes an intuitive process, weaving simplicity in the meshes of complexity.

Let's give a practical reminder in the code to the right. FinancialDerivative is an abstract base class which has a pure virtual function CalculateValue(). Both, Stock and Bond classes inherit from it and provide their own implementation of CalculateValue(). Hence, we can see how a simple yet effective design can be achieved through inheritance and polymorphism in C++.

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#include <iostream>

using namespace std;

class FinancialDerivative {

public:

    virtual void CalculateValue() = 0;

};

class Stock : public FinancialDerivative {

public:

    void CalculateValue() override {

        cout << "Calculating Stock Value..." << endl;

    }

};

class Bond : public FinancialDerivative {

public:

    void CalculateValue() override {

        cout << "Calculating Bond Value..." << endl;

    }

};

int main() {

    Stock stock;

    Bond bond;

    stock.CalculateValue();

    bond.CalculateValue();

    return 0;

}