Kowsky's actions were very fast, and on the third day, Feng Yu signed a loan contract, a loan of 100 million rubles, and after six years, the principal and interest were paid off at one time, with an annual interest rate of 13 percent, calculated with simple interest.

Feng Yu only gave Kovsky a kickback of three million rubles, and also prepared a red envelope of one million rubles for Brother Ke. Although the repayment time is slightly shorter, Feng Yu is completely acceptable, and the interest rate is lower than he imagined.

The money here arrived in Feng Yu's account in Xiangjiang, and Feng Yu immediately transferred the promised amount to others.

"Brother Ji, I think I can accept a higher interest, and I don't need to argue too much about the interest." Feng Yu wanted to give less kickbacks and use high interest rates to lure ~ those bank presidents to lend him illegally.

How could Kirilenko not agree, Feng Yuken gave high interest, and it would be easier for him to operate. Today they are going to meet with the president of the Belarusian branch.

Feng Yu's current pursuit is efficiency, and he must get all the loans in the shortest possible time. Because in a few months, the official exchange rate of the ruble against the dollar will quickly go from 0.6:1 to 1.8:1, and the market exchange rate will depreciate even more!

With the help of Kirilenko, Feng Yu successfully loaned 100 million rubles to three Soviet state-owned banks in a row, totaling 300 million rubles, and the total rebate paid was only 11 million rubles. It seems that the rebate is very high, but compared with the profit that Feng Yu is about to get, it is a drop in the bucket!

"Feng, do you still want to continue to take out loans? The branches of those small allies may also be able to take out loans, but the loan amount will certainly not be so high. ”

"Can I continue to take out a loan? Brother Ji, as long as I can take out a loan, even if each bank only lends 10 million rubles, I will borrow! ”

Such a good opportunity is rare in a hundred years, and Feng Yu must of course strive for the greatest benefits.

Kirilenko didn't understand why Feng Yu was taking out so many loans, and the interest was getting higher and higher, but Feng Yu didn't care about how he would invest the money. Can there be such a high profit?

When Kirilenko helped Feng Yu take out the last loan in a state-owned bank, Kirilenko finally couldn't help but ask.

Feng Yu had actually been waiting for Kirilenko to ask him, and this time he was going to bring Brother Ki, if he was going to do it. He wants to invest in some minerals with his brother.

Mining in the USSR would never work without the support of local forces.

In January and February next year, waiting for the bay side to start, it will be a good opportunity for Feng Yu to acquire oil fields. And at that time, the price of oil will fall, and the price of oil fields will naturally fall. In addition, the ruble has already depreciated sharply, even if a high-priced purchase agreement is signed now, as long as it waits for a while, the ruble depreciates more than three times, then the purchase price will be too cheap!

"Brother Ji, remember what I told you, this is a good opportunity to make money. If the USSR were to collapse, what would happen to the ruble? ”

"Ruble? What can change in the ruble, after the disintegration. It's a big deal that countries issue their own currencies, and the ruble will still be the main currency. Kirilenko was somewhat unimpressed.

"Brother Ji, look, in your country, when you buy the main necessities, you also buy them with tickets, right? And our country too, but after the opening of the market economy, people don't have tickets, but they have money and want to buy things. This will lead to an increase in the price of consumer goods, right? ”

"It's just a price increase, it's normal, what's wrong?" Kirilenko was still at a loss.

Feng Yu shook his head. Brother Ji doesn't seem to know anything about finance, when supply exceeds demand, prices will rise rapidly, inflation will occur, and currency will depreciate.

Especially now that the Soviet Union has such a low level of scrutiny of foreign banks, those large foreign banks in Europe and the United States. Began to expand wildly throughout the USSR. Through some gray methods, they used some gray methods to extract large amounts of ruble money from the state-owned banks and state-owned financial institutions of the Soviet Union, so that the Soviet Union printed more rubles, which also caused inflation to rise rapidly.

"Brother Ji, have you ever thought about it, why do those foreign banks take out a large amount of loans from your state-owned banks? Do you remember what the governor Kochev told us when we were talking about loans at the Bank of Belarus? He said that several foreign banks have borrowed a lot of large sums of money from Belarusian banks in order to invest in some engineering projects, and do you think it is possible to realize those projects? ”

"Of course it can't be, we still have to build real estate in our Soviet Union, everyone in our Soviet Union has a house to live in, why do you want so many houses?" Kirilenko said disdainfully, he felt at the time, those foreign bankers are stupid ×, you build a house and sell it, you have to buy someone to buy it to make money, do we lack houses in the Soviet Union?

Are those people stupid×? The heads of the banks of the USSR are stupid ×! Those projects are clearly fake, just to get loans. Perhaps the heads of those banks also understand that they are just eating high kickbacks in order to fill their pockets.

Why did Feng Yu say that Brother Ji could buy the minerals of the Soviet Union, because the Soviet Union was also playing the joint-stock reform at this time, that is, to all employees of state-owned enterprises, the shares of the enterprises were issued, and each person could share an average of 10,000 rubles of assets, which is definitely not a small amount according to the current exchange rate.

The Soviet people have money, but life is still not good, there is no way, and the living materials are not enough. Save the money, but where? Foreign banks give higher interest on deposits, and the service attitude is better, there is free coffee, free black tea at the door, and all smile service.

So the Soviet people deposited all their money in foreign-funded banks, and the state-owned banks did not have enough money, and there were not enough coins in circulation.

"Brother Ji, do you think those foreign banks are stupid ×? But have you ever thought that all your money has been deposited in foreign banks? When the amount of money reaches a certain level, it can affect the price of goods in your Soviet Union. In particular, you are now engaged in a market economy, which makes it more convenient for them to manipulate the rise in prices and the depreciation of the ruble. ”

"What are you talking about, the depreciation of the ruble?" Kirilenko is not happy, how can the ruble depreciate?

"That's right, originally a piece of clothing cost ten rubles, but because of the market economy, the one with the highest price will get it, then the price of this dress may become twenty rubles, and in fact the same dress is bought, which depreciates the value of the ruble by half in disguise! This creates inflation! Inflation, you know? ”

Kirilenko shook his head blankly, what is inflation?

Feng Yu is angry, he can't explain it with this kind of person, and he doesn't even understand the basic vocabulary of the economy.

"Anyway, you have to know that the ruble is going to depreciate, immediately, quickly, and I will exchange the ruble of the loan for dollars, or RMB, yen, and wait for the ruble to depreciate, and then exchange it back, and I will earn it, understand?"

"That's why you want a loan? I said, why do you have to pay back the principal and interest together! Then you tell me, depreciation is not strict? Kirilenko suddenly realized that Feng Yu had this idea.

"If you believe me, find a relationship now, and take out a loan yourself, I guarantee that within three months, the ruble will depreciate like crazy! You have at least doubled your profit! (To be continued.) )

PS: This chapter is uploaded regularly, and the fourth child should still be at the station to send his dad on the train. It's going to be the New Year, and what the fourth child is most afraid of is seeing those relatives and elders in the family, afraid that they will ask: Do you have a girlfriend? What now? I'm still writing novels, how much money do I earn a month, is it enough to eat? Is it enough to pay the rent? I never thought about going home and finding a stable job.

I hope that everyone will support the fourth child more, so that when the fourth child goes home, he can tell them toughly: the income is okay!!