Originally, Ye Lina was suspicious of Fang Chen's high interest rate, and even felt that it was a loss-making deal, but now she only has a deep admiration for Fang Chen, and she confirms, and affirms, that Fang Chen is a business wizard and a financial wizard.

No wonder Fang Chen can fight such a big business empire in Moscow with his bare hands, she feels that Fang Chen's vision and sensitivity to business and finance are unmatched by no one in the world.

The ruble has depreciated faster than anyone can imagine, from 07:1 US dollar at the beginning of April to 086:1 US dollar now, the depreciation of the ruble has exceeded 20 percent, which has smoothed out the interest rate differential between Huaxia Bank and other banks.

Now when other banks mention Huaxia Bank, almost all of them are envious, jealous and hateful, of course, most of them hate.

Because of Huaxia Bank's high-interest rate savings, I am afraid that hundreds of millions of rubles of deposits have slipped out of their hands, and the most hateful thing is that many of Huaxia Bank's deposits are their bank's original deposits, which were taken out by depositors and transferred to Huaxia Bank.

It's a pity that they can't help Huaxia Bank, they can't use any negative means, with Yelena in charge, Huaxia Bank doesn't go to them for trouble, they are already going to burn high incense, so they dare to find trouble with Huaxia Bank.

"A number of banks have followed up and adjusted the interest rate to about 30 percent, which is even higher than our interest, and you see if we need to adjust it as well. Chen Mingyong asked respectfully.

"If you don't adjust, now Huaxia Bank is the target of public criticism, and if you adjust it again, it will have to cause interest rate wars among banks. Fang Chen shook his head and said.

"Okay. Chen Mingyong said a little unwillingly.

Now that Huaxia Bank is gaining momentum, it is a good time to chase the poor and beat the water dogs.

Yelena also looked reluctant, and was about to say something, but was stopped by Fang Chen.

Fang Chen smiled: "Do you two think that after the interest rate is raised, how much more savings can be made?"

These words were like a thunderbolt splitting the minds of the two, Ye Lina and Chen Mingyong stood for a few seconds, and then shook their heads in unison.

Fang Chen's words really woke them up, now Huaxia Bank has made a reputation and reputation, and it is the leader among many private banks in Moscow, and everyone is still willing to deposit their money in Huaxia Bank when the interest rate is not much different.

Recently, other banks have raised interest rates, but they have not caused Huaxia Bank to suffer much loss in its daily deposits, which is the best proof of this.

In this situation, even if the interest rate is raised a little more, it will not attract too many deposits.

Fang Chen smiled slightly, he actually knew that raising the interest rate would have some effect no matter what, and compared to the probability of the future depreciation of the ruble, this interest was nothing, he just adjusted the interest rate to 100 percent, for a depreciation rate of hundreds of times, this is almost the same as a transaction without capital.

He didn't agree with Chen Mingyong's idea, it was nothing more than that Mu Xiu would be destroyed by Lin Feng, Huaxia Bank was already very showy, and if it was so high-profile, it would be Tianxiu.

Half a step ahead is a genius, one step ahead is a demon, and the demon must die!

The most important thing is that he doesn't want people to know that he is so bearish on the ruble, and if he is slightly exaggerated, he will become a malicious short-selling ruble and plundering the wealth of the people of Moscow.

This title is still in the future, and Soros will bear it.

"Are there any problems with the development of the bank now?" Fang Chen asked.

Chen Mingyong and Yelena glanced at each other, and then Chen Mingyong said hesitantly: "The biggest problem now is that someone withdraws money in advance, and we have approved it in accordance with your instructions, and the interest will be calculated according to the current interest rate." ”

Hearing this, Fang Chen rubbed his head with a little headache, compared to the competition with other banks, this is the most headache.

The depositor withdraws the money in advance, then he cannot take it for himself through the depreciation of the ruble.

Of course, the depositor can still earn the profits from the depreciation of the ruble during this period from the date of deposit to the date of withdrawal, because the current interest rate in the whole world is equal to nothing.

Thinking of this, Fang Chen couldn't help but smile dumbly, he was still too greedy, the white wolf with empty gloves, he didn't do anything, he earned twenty percent of the money through depreciation, what did he have to feel sorry for.

Besides, it is not very normal to kill pigs and slaughter sheep, and these pigs and sheep also know how to call twice, and the people of Moscow react.

There must be some smart people who find it cost-effective to put money in the bank than to turn it into a physical object.

"Are there many such depositors?" Fang Chen asked.

Chen Mingyong shook his head, "Not much, the overall proportion is not more than ten percent, and because our bank can redeem money at any time, it has attracted a lot of depositors who are willing to deposit their money in Huaxia Bank." ”

Fang Chen nodded, that's right, although he knew that the ruble was depreciating, but for ordinary people, he could only watch it, and he had nothing to do.

The means of production, such as steel and rubber, were out of their reach, because the Soviets had not yet opened up private purchases of the means of production, and the purchase of some food had the problem of shelf life.

So, relatively speaking, having a bank is their best option.

Thinking of this, Fang Chen sighed lightly, speaking of which, the same is true in China, now the price is breaking through in China, and the annual price inflation rate is as high as more than 20 percent, and the highest interest rate in the bank is only 14 or 5 percent, it can be said that if you deposit money in the bank, you are losing money.

But most people's choice is still to keep their money in the bank.

My mother is a vivid example, the first money I earned by smashing gold bricks, my mother's first reaction was to deposit the money in the bank.

In fact, for most people, they are not business-minded, and they don't want to take risks, let alone have any complicated operations.

"As long as it doesn't cause a run, it doesn't matter, if there are depositors who withdraw money, they will withdraw money from others as soon as possible. Fang Chen said faintly.

He can't save everyone, he can't even undo the depreciation of the ruble, he's not a hero, he can't be so selfless and bury himself for the sake of others.

So let these savers get the money as soon as possible and buy some necessities, this is the only thing he can do.

Chen Mingyong nodded.

"Actually, I don't think there is any need to worry, these things are happening in every bank, and the most ridiculous thing is that some fools, there are depositors who go to the bank and ask for early withdrawal, but these banks can't come up with the money. Yelena said.

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