With the continuous development of the economy, a unique financial street has slowly formed around the Vienna Stock Exchange.

It is home to one-third of the banks of the Holy Roman Empire, 45 percent of the securities firms, and many other financial companies.

It can be said that all financial companies with a little strength have set up bases here. The strength is to occupy a building.

Of course, those who have strength anywhere are in the minority. To be able to own an office building in the financial world, even if it is leased, is not something that ordinary companies can do.

It's not just about money. There are a lot of rich people here, and everyone knows each other's details, and pretending to be forced will become stupid.

Apprehensive, Aba Burnell hurried into Newfoundland House and rushed to Appel Commercial Bank, where he worked.

As an old-school commercial bank in Germany, Appel Commercial Bank has not only failed to keep up with the tide of development due to poor management, but has deteriorated under the impact of competitors.

Especially in the stock market crash a year ago, Appel Commercial Bank had a large number of bad debts on its books due to errors in judgment.

Appel Commercial Bank, which was on the verge of bankruptcy, quietly changed hands without interest. As a new employee after the change of ownership of the bank, Aba Burnell, who had just entered the society, was "respected" by his boss from the beginning.

It's just that now Abba Burnell doesn't want this kind of "weight" at all. Lending money to the Spanish government is exciting to think about.

It's not that Abba Burnell is arrogant, it's that Appel Commercial Bank has limited strength. The loan of "70 million" Aegis has not even made up half of the Appel commercial bank.

It is obviously impossible to drain the funds, and the regulators of the Vienna government are not idiots. This kind of folly, which could trigger a run on the market, will certainly lead to interference.

Explaining the risks to his superiors in person not only did not work, but the daunting task fell to Aba Burnell.

According to the boss: "Hold the bold to death, starve the faint to death". If one family can't undertake it, then find someone to work together.

Originally, Aba Burnell thought that to find someone to join forces was to find a few peers to form a bank group. If this is the case, although the risk is a little greater, it is not impossible to share it with multiple banks.

It soon became clear to Aba Burnell that this was not the case, and that the list of Appel Commercial Banks did not appear in the group of banks that lent money to the West, but the loan still existed.

This means that the 70 million Aegis commercial loan they are undertaking now is not the same loan that the Vienna government and the Spaniards have finalized.

High-risk international loans, without government involvement, without the involvement of powerful mainstream banks, Aba Burnell strongly suspects that this is a joke.

Reality tells him that this is true. This loan does exist, and the alliance with Appel Commercial Bank is not a well-known big bank, but some small loan companies that have never heard of before.

Can these shady guys come up with so much money? Aba Burnell was very suspicious that his boss had been deceived.

……

"Aba Burnell, have you signed a contract with Espanyol?"

As soon as he entered the door, he didn't have time to catch his breath when Abba Burnell was questioned by his boss.

Such an important business loan was handed over to a newcomer like him, and he was drunk when he thought about it.

According to the bank's internal staff, Aba Burnell is the illegitimate son of the current president and boss. Otherwise, this kind of business with a huge commission would not have been his turn at all.

If it weren't for the big difference in appearance, plus the fact that he was sure that he was biological, Abba Burnell would have been suspicious.

"Not yet, Mr. Adler. The Spaniards put forward new conditions, requiring that the amount of money not less than 10 percent be disbursed in the first week after the contract is signed.

It's a big matter, and I don't dare to call the shots. An appointment was made with the Spaniards to negotiate again tomorrow afternoon. ”

Doubts are doubts, Abba Burnell still has a lot of respect for his Bole. Even when he suspected that the loan might have been approved after Adler's brain was in the water, Aba Burnell did not insist on opposing it.

Maybe there are still invisible interests in this, playing finance, it has always been indispensable to deal with various forces. Sometimes, for the sake of secret interests, it is completely normal to make a few loss-making transactions.

Adler's brows furrowed slightly, and he quickly stretched: "Well, good job." This kind of thing is really not suitable for you to decide.

Tell the Spaniards that the loan time is too tight in a week. This kind of huge loan has never been so fast.

In order to mitigate the risks, we must avoid the Spanish government's misuse of loans, and monitoring is inevitable.

The bottom line is that the first batch of loans cannot exceed 3 million Aegis, and the weekly loan amount thereafter shall not exceed 500,000 Aegis.

You can do the rest and fight for the bank's interests as much as possible. ”

Obviously, Adler's heart was not as calm as it seemed. Especially after hearing the Spaniard's request to release one-tenth of the loan in the first week, my heart beat faster.

It's just that Adler covered it up too well, and Aba Burnell respected him too much and didn't find out in time.

"Mr. Adler, the Spaniards have reached an agreement with the government and received a business loan of 70 million Aegis, now we will ...... again"

Before Aba Burnell could finish speaking, Adler interrupted: "Aba Burnell, you are still too young.

Although the Philippine War is over, there are still hundreds of thousands of rebels on the island, waiting for the Spaniards to exterminate them; Now that the Cuban rebellion has broken out again, there is a possibility that something could happen in Morocco.

The convergence of so many problems is obviously the result of the intervention of international forces. I don't know if Spain will win the war, but I'm sure 70 million Aegis will not be enough.

If we weren't really short of money, the Spanish government wouldn't have borrowed from us. Although the risk is a little bigger, the reward is also rich enough!

What's more, we are more just taking the lead, and it is the small loan companies that really want to pay the money. Even if something goes wrong with the loan, our losses will be limited. ”

I feel like there's a problem, but I don't know what the problem is. Abba Burnell, who was in a daze, nodded habitually.

After sending Aba Burnell away, Adler sighed deeply and secretly sighed that "people's hearts are not ancient".

At this time, he had to be glad that he did not hand over the business to the old fritters in the bank. The young man who has just left school can find the problem, and if it falls into the hands of the old fritters, maybe he will have to go to the regulatory department to drink coffee now.

Don't doubt everyone's enthusiasm for reporting, according to the regulations of the Vienna government, the reward for reporting a successful commercial loan with serious violations is not less than 10 of the total loan amount.

Seven million Aegis is enough to drive anyone crazy. You must know that Appel Commercial Bank is not worth seven million. How can you miss the opportunity to get rich?

Of course, Adler also has to be prepared. Even if someone reports it, it's a big deal that the loan is not done, and there is no problem in taking yourself out.

The loan violation is true, but the violation is not in the Appel commercial bank, but in the small loan company behind it.

On the surface, there is no connection between the two sides, and even if there is a real problem, Adler is only suspected, and cannot be convicted for it. Banks are not police officers and are not obliged to trace the source of investors' funds.

I picked up the microphone and dialed the phone. Adler said indifferently: "The Spaniards seem to have sensed something, you must speed up now."

I will sign a contract with the Spaniard as soon as possible and if the momentum is not right, ......"

Before Adler could finish speaking, the other end of the phone interrupted: "Don't worry, Adler. I'm not stupid, the Vienna government law doesn't say that investment companies can't raise money abroad.

Even if the regulatory authorities find out, they won't be able to convict us. This matter will not involve you, as long as the Spanish government does not default, things will not be ganged up.

The Spaniards have just reached a loan of 70 million Aegis, and with our loan, no matter how much the Spanish government loves to profligate, it will not go bankrupt for a while.

As long as we keep it under control, even if the Spaniards find out about our intentions, they will pretend that they don't know anything.

Help us with this ticket, and Appel Commercial Bank is yours. Whether you run away with the money or continue to operate, that's your business.

Wealth and wealth are in danger, you don't dare to take this risk, right? ”

……

Ending the conversation, Rivera didn't feel any lighter. For this big plan, he paid a big price.

not only took advantage of a lot of favors, but also made use of all the relationships that could be used, and even gambled on his own net worth and life.

It's not that Rivera wants to take risks, it's that the losses in the previous stock market crash were so heavy that he owed a huge amount of foreign debt.

The capital market is cruel, and there are no friends in front of interests. If he can't pay off his debts, the first person to send him to heaven is a business friend.

Rivera also struggled to convince the creditor. In fact, it can't be considered persuasion either. If you want to recover your debts, you have to make Rivera rich first.

It's easy to go bankrupt, but it's hard to get rich. The way to get rich quickly is written in the criminal code, and Rivera can only choose one of them to implement.

After much consideration, Rivera decided to "cheat". This is an ancestral skill, the most skillful and the best trick.

With his previous connections and the help of his creditors, Rivera quickly found a group of like-minded people.

Not only did it set up a leather bag investment company, a small loan company, but it even acquired an Appel commercial bank that was on the verge of bankruptcy.

Originally, Rivera was going to find the Russians, after all, the tsarist government was corrupt enough to bribe a few officials to cooperate, and the plan could be carried out perfectly.

It's a pity that the reputation of the Russians is too bad to fool investors.

As the economic crisis continued, small European countries continued to go bankrupt, and Rivera was about to despair for a while, just at this time the Spaniards appeared.

I don't have to say, I have to catch it!

According to the plan, first sign a contract with the Spanish government with good returns, and then use the contract to fool investors.

Benefit sharing, not afraid of the Spanish government not cooperating. Anyway, once there is a thunderstorm, the lending financial company will go bankrupt and run away.

No matter how high the interest rate of the loan is and how harsh the conditions are, the creditor has run away anyway, so naturally there is no need to repay it.

……

Throughout the month of April, the Vienna government newspaper was flooded with two things. One is the National Day military parade, and the other is two "70 million" Aegis loans.

The little-known Appel Commercial Bank is also an instant hit at the moment, and has the potential to become a new star in the banking world of the Holy Roman Empire.

For commercial banks, being famous is a good thing, which means that more business will come to the door; It is also a troublesome matter, which is easy to attract the attention of regulatory authorities.

However, Appel Commercial Bank and the Spanish government are cross-border loans, and the procedures are legal on the surface, but the interest rate is a little higher.

This is the freedom of operation of commercial banks, and people themselves are not afraid of risks, so what else is there to say.

As long as the lending leverage ratio stipulated by the state does not trigger a shortage of cash flow and generate obvious credit risks, the regulatory authorities will not intervene.

Along with the famous bank, there are also investment companies, and at the moment the salesman is holding the signed contract and holding investment lectures everywhere.

As for the promise to Adler, just to raise money overseas and not to do things at home, that's a joke.

The promise of the liar, if it can be believed, there is no deception in this world.

……

"The greatest opportunity to make a fortune this century has come!"

"Applause in understanding."

……

"Let's do the math together, according to the contract signed with the Spanish government, the commission is 12%, then:

7000 * (1-12%) = 61.6 million

Based on the interest rate of 11.2% per annum, we can deduct the first batch of principal and interest payments over 30 years:

67.48*12=8,772,400

6160-877.24 = 52.8276 million

That is to say, for a loan of 70 million, the actual amount we need to pay is 52.8276 million, and the effective interest rate has reached 16.6%. ”

"Is that all?"

"No, we can also set the direction of how the loan will be used. For example, the Spanish government cannot refuse to designate the goods of certain domestic enterprises as long as they do not exceed the market price.

This means that we still have an intermediary fee to earn, 10 percent for civilian supplies and 30 percent for weapons and ammunition, which is not excessive, right? ”

"The comprehensive calculation is 20%, 5286.76 * 0.2 = 10.56552 million, rounding off the fraction and rounding, the intermediary fee is 10.56 million."

"By the time we got here, we had actually repaid nearly 3/7 of the 70 million Aegis loans, and the return on investment had risen to ......."