My 1979

Relying on the financial support of Goldman Sachs and Li Laoer, Commercial Bank has become one of the top ten large banks in Hong Kong. It has money.

It is different from large banks in Hong Kong. Large banks in Hong Kong generally have minimum deposit restrictions. If it is less than 10,000, a certain monthly fee will be charged.

However, China Commercial Bank does not have this restriction. It is free to open an account. It removes the so-called capital fee that is common all over the world. It allows you to save just one dollar.

At the same time, without collateral, you can still get a loan based on your salary flow.

This opened up a new model of small loans, which has the same business philosophy as Grameen Bank, but has a completely different business model based on local conditions.

If we really follow the Grameen Bank model and target really poor rural women with loans, then based on the national conditions of China's rural issues, China Commercial Bank will definitely not survive long and will die miserably.

Commercial Bank's small loans are business loans focused on individuals or families. Its main service targets are individual business owners, small workshops, small and medium-sized foreign trade enterprises and office workers in mainland China and Hong Kong. .

The loan amount is generally less than 200,000 yuan and more than 1,000 yuan, and the loan conditions are very loose.

Many banks do not recognize the model of Commercial Bank and just view it as a joke. They prefer to lend tens or hundreds of millions to large enterprises at one time. They do not deny that small loans can be profitable, but small loans require The labor cost is much higher than expected, and it is a complete waste of time.

Even Goldman Sachs didn't quite agree. However, since Li He was the major shareholder and they didn't invest much, they didn't take things seriously in the end, so they just acquiesced.

The first thing Commercial Bank did when it entered Moscow was to spend 3 million US dollars to acquire Delta Bank, which was on the verge of bankruptcy in Ukraine. This bank had only liabilities and no assets. Its only saving grace was that it had branches all over the capitals of the CIS.

Because it has liabilities of up to 20 million US dollars, no one has ever cared about it. There are so many good companies that only a fool would take over such a bank.

But in order to save time, Li He immediately agreed without hesitation as soon as someone from the Commercial Bank reported it.

The Commercial Bank has long been well-known in the domestic business community. This time it set up its branch in Moscow, which naturally attracted many Chinese people to rush to borrow money, and the Commercial Bank even further extended the loan conditions.

After these Chinese people got the money, the first thing they did was go to the train station to pick up the goods from the Chinese delivery people. Ten thousand cans were sold in one day. Jackets and knitted sweaters turned into train leather and sold easily.

These hardworking Chinese are helping the Soviet people get new clothes and shoes.

Entering December, the temperature in Moscow is already below zero. Starting from November, the average daily maximum temperature in Russia has been as low as freezing point. When it comes to whether the winter in Moscow is cold or not, the Germans and the French have the most say. Napoleon and Hitler both followed the Russians. People have been criticized, but in the end they were defeated by this weather that makes people want to cry without tears.

Freezing to death is all too common, especially for homeless people.

Li He was most afraid of the cold. With his temperament, he would definitely not want to go out. He wrapped himself up like a bear and was drinking tea in the heated lobby on the first floor of the hotel, while listening to other people's reports and occasionally giving some instructions.

On December 26, 1991, the Supreme Soviet of the Soviet Union passed a resolution declaring that the Soviet Union ceased to exist, bringing an end to the 69-year existence of the Soviet Union. The Soviet Parliament was dissolved and the representatives bid farewell to each other and went their separate ways. This marked the beginning of a great power in the past. The Soviet Union has become history.

An era has come to an end, people part ways, and the era has entered turmoil and uncertainty.

This New Year, Li He can't go back again, and he doesn't know how to explain to He Fang.

On the phone, Li Lan called his father louder and spoke more clearly.

"I'm sorry." He really felt very guilty.

"Okay, I don't believe you are really not coming back. That's it. I'll send something to your house." He Fang still spoke so cheerfully.