Resource Tycoon Reborn

Chapter 287 Five billion loan

Vladivostok, also known as Vladivostok, means "Ruler of the East" or "Conquer the East". It is the capital of Primorsky Krai of the Soviet Union and the largest city in the Far East of the Soviet Union. The city is located at the junction of the Soviet Union and China.

It is surrounded by the sea on three sides, has an excellent natural harbor and a strategic location. It is the most important port of the Soviet Union on the Pacific coast and the seat of the former Soviet Pacific Fleet headquarters.

In the central area of ​​​​the city, there is a towering and heavy building, which is the location of the Vladivostok branch of the State Bank of the Soviet Union. The Soviet banking system is characterized by a high degree of centralization and unity, and the implementation of a "single" system in which the central bank and commercial banks are integrated.

"Banking system". The banking system of the Soviet Union mainly consisted of four major banks, namely the State Bank of the Soviet Union, the All-Soviet Infrastructure Investment Bank, the State Labor Savings Bank of the USSR and the Foreign Trade Bank of the USSR.

The National Bank. Originally affiliated to the Ministry of Finance, it has been directly led by the Council of Ministers since 1959. It is the core institution of the Soviet banking system. It integrates the functions of the central bank and commercial banks. It is responsible for issuing currency, formulating national financial plans, and supervising other banks.

It monopolizes the national industrial working capital credit and agricultural infrastructure investment allocations. It has more than 5,000 branches across the country.

As part of the National Bank, the All-Soviet Infrastructure Investment Bank was established in 1959. It was formed by the merger of several small banks from the former Industrial Bank. It is a professional bank for the national management of infrastructure investment and is responsible for unified handling of infrastructure investment allocations for various industrial sectors.

Settlement and other financial services operations.

The Soviet State Labor Savings Bank is the largest and oldest bank in Russia. It was founded in 1841 and officially became part of the State Bank of the Soviet Union in 1963. It was the only institution that handled residents' savings business before the Soviet banking reform.

The Foreign Trade Bank of the Soviet Union, founded in 1922, is a joint-stock company whose main shareholders are composed of the National Bank, the Ministry of Foreign Trade and some large enterprises with foreign economic relations. It is responsible for monopolizing the country's foreign trade and foreign economic work.

It can be seen from this that the Soviet Union has a supreme position in the Soviet financial system. The remaining three banks are either part of it or they hold a large number of shares. As the Vladivostok branch of the State Bank of the Soviet Union,

As the president, the top leader of a financial institution in the largest city in the Far East, Andreevich's status in this city can be imagined.

However, today, Andreevich has been a little uneasy since he entered the office in the morning. The secretary noticed that in just three hours, Andreevich stood up seven times.

In front of the window, looking out at the street outside the window, it seemed that he was waiting for someone. This made his beautiful female secretary a little curious, what could make President Andreevich look forward to it so much? You know, it was the former

A few days ago, the mayor of Vladivostok came to inspect, and Andreevich didn't look like this either.

The answer was revealed at nearly noon. With the clear and sweet sound of heels hitting the marble floor, Aso Xiangyue walked into the State Bank of the Soviet Union in Vladivostok, escorted by several burly men.

He walked into the lobby of the branch and, accompanied by the manager on duty, arrived at the president's office.

Andreevich greeted him with a smile on his face, although the smile did not look so pleasing to the eye on his face that had begun to look aging. "Ms. Aso, I have been waiting for you all morning.

Yes." Aso Xiangyue reservedly stretched out her hand to shake his hand, and the two walked into the president's office, leaving several bodyguards in the secretary's office.

Looking at Aso Xiangyue's tall figure and beautiful face, Andreevich swallowed secretly, but did not dare to show it at all. The woman in front of him was not one of those female employees in the bank, or those who

I am looking for a "secretary" brought by my Soviet company bosses. This is a Japanese woman who controls a huge amount of US dollars!

How could Aso Xiangyue not see the aggression in Andreevich's eyes, and she felt even more contempt in her heart. Before coming, she had already found out clearly that although Andreevich was a member of the Communist Party of the Soviet Union,

But his conduct was extremely bad, and he could be called a hungry ghost in pornography. Not only did he attack the female employees of the Vladivostok branch of the State Bank of the Soviet Union, but he also targeted Soviet companies and enterprises that wanted to borrow money from the State Bank.

You have to provide him with a woman, and only if you satisfy him in this regard can your loan be approved. If you don't have a woman, and you don't have the background power to overpower him, you can't even hope to get a loan from him.

"President Andreevich, I think you have received the message from your bank's branch office in Japan, right?" Aso Kasuki elegantly sat across from Andreevich and said bluntly, "I

I would like to know if your bank can meet my loan requirements. If President Andreevich cannot give me a satisfactory answer, then I will have to try other parts of your country."

"I got it, I got it!" Andreevich nodded repeatedly. Two days ago, an urgent message came back from the State Bank of the Soviet Union's office in Tokyo, Japan. The woman in front of him asked for help from the city of Vladivostok.

The branch loan is 5 billion rubles. This is a rare and huge amount of money. Andreevich has worked in the Far East region of the State Bank of the Soviet Union for decades. Loans of this amount are also quite rare, especially the lender.

Or from a Japanese.

For this loan, Aso provided collateral that would make Andreevich salivate, a certificate of deposit worth one billion dollars from Citibank in the United States.

"Ms. Aso, I have carefully considered your loan request. Although we and Citibank have verified that the authenticity of this certificate of deposit is beyond doubt, I cannot provide so much to Ms. Aso.

Ruble loan. According to our country's exchange rate, I can only provide a loan of up to two billion rubles to Miss Aso." Andreevich said with regret.

Aso Xiangyue showed just the right amount of surprise and said: "Mr. Andreevich, please don't fool me with your country's official exchange rate. I know very well that if I want to exchange rubles, there will be countless

The Soviets are willing to exchange one billion U.S. dollars with me at a price of 1:6, or even 1:7, or 1:8. I only ask for a loan of 5 billion rubles, which has left enough room for your bank to operate.

If your bank is still dissatisfied, then I can only unfortunately try to go to other places in your country. Maybe there is someone in the banks of Eastern European countries who can meet my requirements." With that, Aso Xiangyue stood up.

Get up.

"Wait a minute, Miss Aso, it's easy to discuss, easy to discuss!" Andreevich quickly stretched out his hand and pressed his hand. He did not expect that Aso Xiangyue would be so straightforward and leave at the first disagreement.

Andreevich, who has worked in the National Bank for many years, knows very well what state the Soviet financial system has reached today. As Aso Xiangyue said, although the official exchange rate is still 1.6 rubles to one

U.S. dollars, but in the black market, the exchange rate between U.S. dollars and rubles has already reached one to six. My request is indeed a bit excessive in front of people who are familiar with the Soviet foreign exchange market.

The reason why in the black market, the exchange ratio of US dollars to rubles is so different from the official exchange rate, according to later research by experts and scholars, there are actually profound internal reasons for this result. The characteristic of the Soviet economic plan is that "

"Heavy and light" means focusing on the development of heavy industry, especially military industry, and neglecting light industry and agriculture. This creates a shortage economy in which residents have insufficient consumer goods. The "goal" of the Soviet State Bank's annual cash policy is to maintain macroeconomic balance, that is,

The disposable income of residents is exactly equal to the consumer goods provided on the market, or in other words, the wages that flow from the national bank through enterprises to the hands of employees are just enough to buy the goods and services created by employees in enterprises. However, in a shortage economy, this kind of

Macroeconomic balance is simply impossible to achieve. In the 1970s and 1980s, the supply of consumer goods in the Soviet Union was insufficient year after year, but the country did not allow unemployment. Therefore, the national bank could only print a large amount of banknotes every year to pay wages. Such a result could only be the Soviet Union.

Residents’ cash balances continue to soar.

According to incomplete statistics, as of 1982, the cash balance in the hands of Soviet citizens had reached hundreds of billions of rubles. However, the huge surplus of rubles did not bring a leisurely life to the Soviet people. The shopping queues in front of state-owned stores are increasing day by day.

The shelves were empty; the inflation rate in the collective farms and the black market remained high; the Soviet citizens, who had no goods to buy and few investment channels, had to "force" deposit the cash they could not spend in savings banks. If not

The Soviet Union implemented strict price controls, and hyperinflation broke out long ago.

But it's different when it's converted into U.S. dollars. The Soviet government's urgent need for foreign exchange determines that citizens holding U.S. dollars can buy what they want from special stores for foreigners. Although this comes and goes.

The ruble in your hand has undoubtedly depreciated, but the ruble that has not depreciated in your hand cannot buy any extra goods. What is the difference between it and waste paper?

Aso Xiangyue leaned back on the chair again, with a half-smile on her lips and said: "Mr. President Andreevich, this is a loan agreement that is very beneficial to your bank. I don't understand. What are you still hesitating about? Here is a letter from the president of Sakura Bank of my country, which may make President Andreevich feel more at ease." As she spoke, Aso pushed an envelope to Andreevich. in front of.