Spring Breeze 1991

Huaxia United Bank officially opened without any publicity, but almost all merchants who do business with Huaxia people know about it.

On the first day of opening, there was a long queue in front of the business hall. Most of them were exchanging Huaxia coins, and a few were trying to get credit loans.

Vasily and Aunt Anna were among the few who tried credit.

Aunt Anna said worriedly, "I don't know if we have enough materials. If we can't do it, we can only exchange it for Huaxia currency. I also want to expand the business and save a sum of money for retirement."

Vasily looked carefully at the credit loan policy manual written in Russian and Chinese, and said thoughtfully, "It says that as long as you are a Russian citizen, or you can provide proof of residence in Moscow for more than half a year, and you are over 3000 years old, you can Obtain a credit line of at least [-] yuan in Huaxia coins."

He pointed to the detailed rules below and said, "If you have a stable job, or a real estate certificate, and you can provide the certificate, the amount can reach up to 50000 yuan Huaxia currency. We are railway workers, so we should belong to those with stable jobs. Aunt Anna, I Think we'll be fine."

Aunt Anna sighed and said, "It's a pity that the house was not bought during the housing reform."

There were not many people queuing up for a loan, and soon Aunt Anna arrived.

The receptionist was a student studying in Russia, a Chinese girl fluent in Russian. After reading Aunt Anna's application form, she said with a sweet smile, "Aunt Anna, your qualifications are fine. Please sit down."

As he spoke, he enthusiastically invited Aunt Anna to sit down, and then helped to pass the application form and Aunt Anna's relevant information to the teller at the counter.

The tellers are all well-trained veterans, and have received targeted training, and they move very quickly.

The receptionist smiled sweetly and asked, "Aunt Anna, do you want cash or open an account and deposit the money in the account?"

"I want cash." Aunt Anna answered quickly before she could react.

The teller quickly counted a stack of Huaxia coins and handed them out together with the receipt, "Just sign it."

Aunt Anna was dazed, and she signed where it needed to be signed. The receptionist picked up the money and handed it to Aunt Anna, saying, "Aunt Anna, everything is done, you take the money."

As he spoke, he prepared to entertain Vasily, who was the last in line.

Aunt Anna had no idea about the face value of Huaxia coins, she looked at the thick stack of money in her hand, grabbed the receptionist and asked, "How much is this here?"

The receptionist pointed to the loan agreement in Aunt Anna's hand, and said, "20000 Huaxia coins, which is about 2500 US dollars."

Aunt Anna had no idea about Huaxia coins, but she had no idea about US dollars, and she was stunned.

No need for any collateral, and I got a loan of 5 U.S. dollars in Huaxia coins in less than 2500 minutes, as if I was dreaming.

The receptionist didn't have time to lament with Aunt Anna, so he continued to entertain.

Five minutes later, Vasily got a loan of 5 Huaxia coins. Because he was younger, the amount approved for him was higher.

What surprised Vasily even more was that not only was the interest rate very low, but it could also be repaid in rubles.

Every person who successfully got a loan was surrounded by onlookers asking questions as soon as they left the bank gate. Undoubtedly, they were so excited that they strongly recommended the loan. In less than half a day, the people queuing up to apply for the loan There are more people queuing up to exchange Huaxia currency.

Since you can easily get Huaxia coins, it not only solves the currency problem, but also expands your business, so why not do it?

In just one week, Huaxia United Bank loaned out 3000 million Huaxia coins.

After seeing the summed up figures, Gao Jian was terrified, couldn't help finding Yao Yuan, and said, "Boss, we have already loaned out more than 3000 million yuan in just one week, and according to the data analysis, the number of people loaned out will increase. If things go on like this, within three months, the Russian State Bank will ask us to call for a margin call.”

Gao Jian said in a deep voice, "I suggest lowering the loan amount, or stricter loan approval conditions."

"If you want to add a deposit, then add it. The National Bank of Russia accepts Huaxia coins." Yao Yuan handed Gao Jian a cigarette, lit one himself, and said, "Old Gao, what do we need?"

Gao Jian was taken aback, "U.S. dollars."

"What are dollars used for?" Yao Yuan asked again.

Gao Jian didn't understand, but he replied, "Our country is seriously short of foreign exchange, and the foreign exchange currency is the US dollar. With sufficient foreign exchange, we can import advanced equipment and advanced technology from abroad."

Yao Yuan nodded slightly, "In other words, the ultimate goal is to introduce advanced equipment and advanced technology from abroad. The Soviet Union is gone, but Russia has inherited 70.00% of the Soviet Union's heritage, and their equipment and technology are undoubtedly more advanced than ours. If we can Russia buys advanced equipment and advanced technology, no matter what currency is used, is it the same?"

After Yao Yuan's in-depth analysis, Gao Jian understood somewhat, but his opinion remained unchanged.

He nodded slowly and said, "I understand what you mean. Banks operate according to the rules of banking operations. We only lend and have no savings, which means that the risk will increase. Most of them are short-term loans. Three months, six months months, especially three months. After the repayment time is up, once there is a large-scale arrears of collection, no amount of money can fill the hole. If the current policy is not changed, the loaned funds will increase geometrically , then it’s not tens of millions.”

Gao Jian is a professional banker and is very familiar with the banking industry under the socialist economy. State-owned banks have no worries in this regard because the state is behind them, but Hua Xia United Bank is a private joint-stock commercial bank, and Yao Yuan is behind it.

An employee who doesn't think about his boss is not a good employee. Gao Jian is looking at this issue from Yao Yuan's perspective, which is why he has these worries.

Yao Yuan nodded slightly, acknowledging Gao Jian's worry, and asked, "Is it possible that with savings, the risk will be reduced?"

"Of course, having savings is equivalent to having income. We can use the money to invest to realize value-added. Naturally, we can offset the outstanding loans." Gao Jian said.

Yao Yuan said, "Well, that's very simple, it's only been a week. I guess, it won't be long before the first batch of lenders make money, and they will give priority to depositing money with us. Huaxia goods have almost become Moscow hard currency, and Huaxia currency is linked to Huaxia currency.”

Gao Jian couldn't help asking, "What if it's wrong?"

"That's easy, keep throwing money." Yao Yuan said resolutely, "What is Huaxia currency to us? To put it bluntly, it is paper. The more people borrow, the better our Huaxia products sell. Commodity profits can fully make up for that little loss, besides, we have been borrowing rubles all the time, and there will always be some oil from the pork.”

Because he has not been exposed to higher-level things, Gao Jian still does not know where Huaxia United Bank really makes money. He is not very convinced by Yao Yuan's explanation, but Yao Yuan's attitude is clear, so he can no longer raise opinions .

The boss insisted that his subordinates must only execute.

"Okay, I'll go back to the business hall and watch." Gao Jian said.

Yao Yuan said, "It's time to consider opening a few more business offices, find a place, and open [-] or [-] stores in one go."

Gao Jian's eyeballs are about to pop out...

[The author has something to say]

It’s New Year’s Eve, and it’s the New Year’s Eve. I’m here to wish my brothers a happy new year, a happy new year, and better and better in the new year. At the same time, I would like to thank my brothers for their support and encouragement. I will continue to work hard and resolutely take Produce a wonderful work!