Regarding Fang Chen's request, Berezovsky repeatedly said yes and agreed.

After all, it wasn't that hard for him.

In addition to the problem of the situation, the most important reason is that in order to open up the import channels of Western Europe and the United States and other countries, the automobile alliance has invested a lot of money, and now that the import channel has been opened, this part of the funds does not need to be invested.

And if the situation in Russia really develops as Fang Chen predicts, he is confident that he will double or even triple the profits of the auto alliance.

If he can't, then he's sorry for the bullets, rockets, grenades, and armor-piercing shells that were consumed in order to open these passages.

As Fang Chen put Berezovsky's report aside, Chen Mingyong and Ye Lina instantly became nervous, and it was time to talk about Huaxia Bank.

"Actually, what you two wrote is really nothing new, for the current situation development, Huaxia Bank will have no one to deposit money in half a year, this is already a judgment. Fang Chen looked at the two of them and said.

In an instant, the cold sweat on Chen Mingyong and Yelena's foreheads came down.

"However, I agree with the idea that the two of you insist on not laying off employees and letting Huaxia Bank continue to support it, and it is true that as you said in the report, there can be no shortage of banks in any normal country. ”

Hearing this, Chen Mingyong and the others couldn't help but take a long breath, feeling a lot more relaxed and a little ashamed at the same time.

In fact, they are pessimistic about the situation in Russia, and the most important reason why they want to continue to do Huaxia Bank is that if Huaxia Bank is gone, what will they do?

For Yelena, she did not want to return to Moscow City as a clerk.

And Chen Mingyong also knew that all important positions in the company had been arranged, and he had no seats to sit on when he returned to China.

Unless he snatches the position of the second general manager of Xiaobawang from Jin Zhijiang, or condescends to others and serves as a deputy to others.

But these two paths are what he does not want!

The first way is somewhat unrighteous.

As for the second way, he has been the leader of Huaxia Bank for such a long time, Ye Lina is in charge, he is in charge, he is in charge of all the specific business work of the company, and Ye Lina is responsible for the interpersonal relations in various places, and it is probably difficult for him to get used to being a deputy to others.

In this case, what can they do if they don't continue to do Huaxia Bank.

Not to mention, Fang Chen's previous business with the bank had been revealed to them, so if he persisted, he might be able to make a difference.

Thinking of this, Chen Mingyong couldn't help but sigh in his heart, this is the so-called back to the big tree to enjoy the shade, with a boss like Fang Chen who can directly participate in the formulation of Russian economic policy, they can get too many benefits.

Looking at the faint blush on the faces of Ye Lina and the others, Fang Chen chuckled in his heart, he probably guessed what the two of them were thinking in their hearts, but he wanted to say that when he knew that the business he was responsible for would definitely face losses, not everyone could choose to continue to persevere, this was something that required great courage.

There are many corporate executives, when the company's performance declines and the stock price plummets, they do not choose to invest funds to increase their holdings to give everyone confidence and show their due responsibility, but they fly separately and sell their shares when the disaster comes, making the situation of the enterprise worse.

Moreover, the most important purpose of his meeting was not to see what insights a few of them could have.

No one has a better say in this regard than him, the born-against, who wants to use this meeting to get people to agree with him, to know what he wants, and how they should do it.

"What are your plans for Huaxia Bank to get the franchise now? Don't tell me, you haven't thought about this!"

Fang Chen decided to ask about something that wasn't on the report.

"This ...... I have thought about this, and if we look at it in combination with the voucher plan, the main loan object of Huaxia Bank in the future is some people who resell enterprises, give them money, and they will buy vouchers, and then buy enterprises from the government, and finally ...... Selling the business, in this way, not only will the benefits be maximized, but these are short-term loans, and the speed of recoup of funds is also very fast. Chen Mingyong said with a squeak.

In the past, when the enterprise was auctioned, Huaxia Bank already had the business of lending money to business owners and became a veritable bank.

In the past, Huaxia Bank only had a deposit business, mainly relying on the exchange rate difference between the dollar and the ruble to make money, and it could almost be said that it was a lame bank, only walking on half a leg.

But how can there be a bank in this world that says that funds only go in and cannot be delivered, and the ultimate purpose of banks to absorb funds is not to lend funds to those who need them, and then charge interest on the loans.

However, judging from the operation of the previous loan business, handing over the money to those business owners who want to auction off the enterprise not only has a high loan interest, but also a fast repayment, and even the bad debt rate is very low, at least lower than that of domestic banks.

Because now Russia is full of gold, as long as you can buy a company, you can get many times the profit by changing hands, and even if this company is not photographed, it must be replaced by another company, and it must always be able to be auctioned.

Even if the worst situation is that the lender does not get a single enterprise, Huaxia Bank can still recover the principal, after all, the auction company, and there is no store rent, decoration, purchase and other upfront investment, the auction can not be auctioned, the money is still the lender, and the people who dare to bid for the enterprise are all people who have a little foundation in Russia.

Therefore, these business owners are basically high-quality customers for Huaxia Bank.

And now, even if it is changed to a voucher system, he believes that the situation is still similar to before.

It's just that it's a bit of a loss of conscience to do this, those business owners are lying on Russia and sucking blood, and Huaxia Bank is lying on these business owners to suck blood, and he also has a sense of helping to abuse.

But he also knew in his heart that even if Huaxia Bank didn't do these things, there were other banks doing it, and relatively speaking, Huaxia Bank had a little more conscience than other banks.

"In addition, we should not be too short-sighted, if we encounter some business owners who buy their businesses, not for resale, but for the production and manufacture of goods, then we should also give support, reduce loan interest and sign long-term loan contracts. Fang Chen said.

Banks themselves have an obligation to support the operation of enterprises and help them grow, which is why Gaidar and Chubais issued concessions.

But the sad thing is that in the previous life, most of the funds given by the Central Bank of Russia to the concession banks were used for short-term loans and reselling business as just mentioned, while the funds that were really used for the operation of enterprises, providing goods for society, maintaining the stable development of the country, and signing long-term contracts accounted for only a little more than 1 percent of the total funds, which was pitiful.

Gaidar and his policies were not intended to make the oligarchs go on a rampage, but they all caused this to happen.

Fang Chen couldn't help but sigh.

Chen Mingyong and Ye Lina nodded in unison, although this would reduce Huaxia Bank's profit margin, it was not surprising that Fang Chen would make such a choice.

As his boss, he has never been just to make money, or the boss's heart is not so dark.

There was a gleam of gratitude in Elena's eyes.

"What about the government appropriation?" Fang Chen suddenly asked.

"Uh...... It depends on what you mean. Chen Mingyong said curtly.

He knew what Fang Chen meant, the money was in the hands of their bank, so naturally they would have the opportunity to get their hands on it, if the release of this money was delayed, then the interest generated by the funds during this period of time would be all income obtained out of thin air, and no capital would need to be paid.

And he believes that there must be other banks doing the same.

Fang Chen chuckled, he felt that the people under his hands were really getting more and more slippery now.

"I mean, this part of the money is too dirty, we don't earn it, and the central bank's appropriations to the local governments, we must pay them to the local accounts in a timely manner in accordance with the regulations. Fang Chen said categorically.

"Boss, you are so good, you must be an angel sent by God to save Russia!"

Yelena stepped forward, hugged Fang Chen fiercely, and kissed Fang Chen heavily on the face.

Having been in the bank for so long and knowing so much about the situation in Russia, how could she not know how much income Fang Chen had given up, with a country as big as Russia, this part of the money could have at least hundreds of millions of dollars a year.

Wiped his cheeks and looked at the lipstick mark on the palm of his hand, Fang Chen suddenly felt helpless in his heart.

But when he raised his head and looked at Yelena, who seemed to have a little starlight in her eyes, Fang Chen said with a smile: "Yelena, fortunately Luzhkov is not here, otherwise his vinegar jar will fall again." ”

"It doesn't matter, he's there, and he doesn't dare to say anything!" Yelena said confidently with her hands on her waist.

All right!

You're amazing!

Fang Chen shrugged his shoulders, not planning to continue the topic.

Gaidar and Chubais are not fools, if Huaxia Bank can release the appropriations on time, but other banks are doing their best to disburse these appropriations, delay the disbursement, and even rely on some connections to get rid of some of the money, Gaidar and the two will definitely hand over most of the appropriation business to Huaxia Bank to operate.

Even in the future, it is not impossible for Huaxia Bank to become the only designated bank for government funding from the Russian government.

It is even more natural to store a large amount of money in Huaxia Bank.

And Huaxia Bank will naturally be able to get a lot of income from this part of the funds.