Rebirth of the Financial Overlord

Floating interest rates again?

Robert John was a little confused.

The operating income of commercial banks is mainly derived from lending, settlement business and leasing, trust investment, securities trading, real estate development, gold and silver, foreign exchange and securities trading and other businesses to obtain interest, earn income, interest rate subsidy, handling fee, price difference and other income .

It can be said that the main operating income of a commercial bank is to earn the interest rate difference by sucking out at low interest rates and lending at high interest rates.

With the current interest rate in Leningrad, if it rises further, it will be difficult for the bank to make any profit.

Enterprise commercial loans are at a semi-standstill, and the interest rate spread can only be maintained at about three points. If the interest rate rises and high-quality service personnel are hired to seize the market, banks will definitely lose money if the cost is superimposed.

What's the point of grabbing a long-term loss-making market.

"Boss, the current economy of the Soviet Union is almost in a state of semi-stagnation. It is difficult to borrow the money we have absorbed. If the cost increases, I am afraid we will lose money."

What kind of problem is this.

Shen Jiannan raised his eyebrows and tapped on the table.

"Hey, old carrot. Listen, we don't need to put money out to earn interest, we just need to absorb enough deposits."

"."

Robert John was silent for a moment.

The banker's sensitivity made him realize that Shen Jiannan's purpose was not pure.

"Boss. Are you playing a big game of chess?"

"Congratulations, you got the answer right. However, there is no reward yet. If you do a good job, I think, you understand."

"Praise God!"

"Um?"

"Praise the boss for his kindness."

"There are tanks."

"But boss, there is one thing I have to remind you. If the deposits absorbed do not have enough income to pay interest, maybe we will go bankrupt soon."

In theory, Robert John was right.

But what?

Shen Jiannan had no choice but to explain again that the old carrot was in charge of the Soviet Union's banking industry, and he must be involved in all these matters.

"Carrot head. You can turn your carrot head. For example, we absorb the deposit of depositor A at a 6% interest rate, and then use this deposit to pay the interest of depositor B, and then use the deposit of depositor B to pay C Savers' interest, again, depositor C's interest pays depositor D's interest, what do you think of this idea?"

"."

Holding the phone, Robert John was dumbfounded.

Isn't this the famous Ponzi scheme?

Coincidentally, the address of this famous scam is in Boston.

In 1919, the Italian Charles Ponzi went to Boston and devised an investment plan to sell postal notes to the American public.

Since World War I had just ended and the world economic system was in chaos, Ponzi took advantage of the chaos.

He claimed that he could make money by buying some kind of postal notes in Europe and selling them to the United States. Due to factors such as policies and exchange rates between countries, many economic behaviors are generally not easy for ordinary people to understand.

In fact, anyone with a little financial knowledge will point out that it is impossible to make money in this way.

However, on the one hand, Ponzi made financial mysteries, and on the other hand, he set up a huge bait. He declared that all investments can get a 40% return within three months.

As a result, a large number of "investors" followed up, allowing Charles Ponzi to easily accumulate tens of millions of dollars in wealth.

As a bank practitioner, Robert John is naturally familiar with this matter, and he couldn't help shivering when he recalled what Shen Jiannan said.

boss.

Are you trying to sell me?

"Boss, isn't this tearing down the east wall to make up for the west?"

"That's right. It's what Charles Ponzi did. Of course, our purpose is not to squander. We just want to save the overwhelmed economy of the Soviet Union."

"."

Only ghosts will believe it.

Robert John secretly slandered.

However, he also had to admit that this move could easily crush the Soviet banking industry and other foreign banks, allowing Nanbo to quickly absorb large sums of deposits in Leningrad.

"Don't worry, old carrot, I won't sell you. You know, I'm the most shameless guy who can sell anyone who only cares about his own money."

"Boss, do you believe this yourself?"

"Of course. God can testify!"

"."

God is reliable, it is better to believe that sows will climb trees.

After hanging up the phone, Robert John could only complain, but he had to admit that there was absolutely no loophole in this plan.

"What a devil-like guy!"

The sky turned pale, and the night of Leningrad passed. As the residents took to the streets, some people suddenly noticed that there was a long queue at the entrance of a newly opened bank on East Avenue.

People always like to join in the fun.

In the whole world, in fact, people in all countries have the same virtue.

Looking at the tens of meters long line, Ansuo Ava Shuruoshikina, who was about to go to the black market to buy vegetables, was a little curious, and she couldn't help but walked over with a vegetable basket.

"Hi, lads, what are you doing in line here?"

"Oh. This bank is newly opened. It is said that if you have a deposit of 50,000 rubles, you can apply for VIP customers in this bank. There will be dedicated service and a free cup of coffee."

"Also. I heard that the interest rate is also three percent higher than the national benchmark interest rate."

Ansuo Ava Shuruoshiji's dim eyes were filled with shock.

Three percent, ten thousand yuan is three hundred yuan.

"Could it be a scam? You just believe their promises?"

"It won't be a scam. A few days ago, when the bank opened, the deputy mayor and the deputy governor of the National Bank came to participate. I also heard that it is very likely that this bank also has their shares."

"These bloody bureaucrats."

"."

Ansuo Ava Shuruoshiji cursed, but it was impossible not to be moved.

Recently, due to the continuous shortage of materials in state-run stores, prices on the black market have been rising, and everyone can feel the pressure brought by life.

Ten thousand yuan can be an extra three hundred yuan.

What concept?

One dollar can be exchanged for about four to five rubles in the black market, and twenty rubles can buy twice as high-purity yogurt.

In other words, it was at least sixty dollars.

Anso Eva Shurhoshki is a university teacher with savings of more than 50,000 rubles.

Although compared with ordinary families, her life pressure is not great, but who doesn't want their money to be better preserved, and who doesn't want to get more interest.

Fifty thousand rubles, an extra fifteen hundred rubles a year.

The crowd was crowded, and as the crowd moved slowly, Ansuo Ava Shuruoshiji couldn't help but joined the queue.

It's a pity that she didn't know that those who lined up with her could get a fifty-ruble employment fee from Nanbo Bank every day. The task was to line up and introduce the bank.

After about thirty minutes, Ansuo Ava Shuruoshiji finally entered the bank hall.

As soon as he entered the door, a girl with a well-dressed and sweet appearance greeted her with a smile.

The girl's smile is very kind, making people feel like a spring breeze, and the slightly bent waist makes people feel respect involuntarily.

"Hi, dear lady! What kind of business do you need to handle?"

"I want to handle deposit business, can you introduce me?"

"Of course. This is our responsibility. In our bank, the annualized interest rate is 9% for six-month large-sum deposits, and 12% for one-year large-sum deposits."

"."

Introduced by the female bank staff, Ansuo Ava Shuruoshiji's old face almost relaxed.

With an annualized interest rate of 12% for one year, the interest for that year plus the pension is enough for her to live in peace and stability.

But, then, Ansuo Ava Shuruoshiji thought of another question.

"Are there any restrictions on withdrawals here?"

"There is no limit. If you are a demand deposit, you can withdraw it all at any time."

"What about the large time deposit?"

"Large-amount fixed deposits can also be withdrawn at any time. However, according to the terms of the contract, large-amount fixed-term withdrawals need to be calculated according to the current interest rate."

"Oh. Understood. I want to deposit fifty thousand rubles. Can you help me?"

The smile on the bank clerk's face became more pure. She bowed slightly and made a gesture of invitation.

"Of course. Honorable lady, please follow me."

Soon, the two arrived in an elegant room.

Not long after Ansuo Eva Shuruoshiki sat down, a bank clerk came over with a cup of steaming coffee.

"Ma'am. Your coffee."

Strong coffee, especially pure.

Sip it in the morning and feel instantly energized.

Ansuo Ava Shuruoshiki's face was full of strange brilliance. He went to the National Bank to handle business every day, and those damn staff always had black faces, which made people feel particularly bad.

It's different here.

It is simply a servant serving God.

Sipping the fragrant free coffee in his mouth, Ansuo Ava Shuruoshiki made up his mind and never went to the National Bank again.

USA, Boston.

The afternoon sun shines into the room from the window sill, and the bright light illuminates everything in the house.

The indoor environment is gorgeous and elegant, except for the chirping of insects and birds, no noise can be heard within a mile of the house.

In the living room, the white leather sofa reflects bright colors under the light, and the bright yellow oak floor reflects soft light under the sunlight.

Song Xiaodan's legs hung in the crook of Shen Jiannan's arms, his slender arms embraced his neck affectionately, his starry eyes were full of thick mist and attachment.

Parting is always sad.

After staying in Boston for a long time, Shen Jiannan was about to leave.

For Song Xiaodan, the bitterness almost went deep into the bone marrow, making it unbearable for her.

"Uh-huh."

Starry eyes were sobbing like fog, Song Xiaodan hugged Shen Jiannan tightly, as if he wanted to hold this most precious time so that he could not slip away.

The tender love deep in the bones is enough to melt any steel.

Shen Jiannan had no choice but to hug Song Xiaodan and keep comforting him. If possible, he also wanted to hold this woman who gave everything to him like this forever, and hold her in his arms forever.

Unfortunately, Shen Jiannan's soothing effect was not good.

The more he comforted her, the more Song Xiaodan couldn't control her emotions. She cried like a song, her cheeks were already flushed from crying, and her deep resentment and fiery tenderness made her heart tremble.

"Bee--"

It's been a long time, maybe I'm tired of crying.

Song Xiaodan restrained his crying, sobbing silently, his petite body trembling again and again.

Shen Jiannan didn't know what to say.

Only deep feelings of guilt hit again and again

"Jiannan."

“.”