Now business owners need a lot of money to revitalize their enterprises, including purchasing raw materials, updating equipment, paying wages to employees and business turnover, and distributing state grants to remote areas, etc., all of which must be carried out by banks. ”

"Finance is the blood of a country, if the blood of a country does not circulate, then the country is dead, and now Russia has too much blood shortage, even to the point of terminal necrosis, I believe you are also clear about what is happening on the border. ”

Gaidar's deep voice was full of helplessness and sorrow, as well as a hint of pleading.

Fang Chen nodded lightly with a solemn expression, he naturally knew the situation on the border, although it had been more than a year since Yeltsin was sworn in as president, and more than half a year had passed since the demise of the Soviets, the Russian border had never completely settled down, and it was chaotic, after all, during this time, the Kremlin really had no energy, and there was no money and materials to enter the border.

Nowadays, on the border of Russia, all kinds of vicious incidents are emerging one after another, which is why he came to Russia twice, and as soon as he crossed the border, Kadannikov and Chubais would arrange fighter jets to escort him.

This is not polite, but I am really afraid that he will be beaten down.

After pondering for a while, Fang Chen opened his mouth and asked, "How many banks are you two going to issue franchise qualification certificates to?" ”

"The first batch is at least 10 banks, after all, the more participants there are, the more competitive the banks will be, and the lower the interest rate on loans that companies can get from banks. ”

"Among the first ten of these banks are Huaxia Bank, Bridge Bank, International Commercial Bank, Capital Savings Bank, Alfa Bank, Menajet Bank, Credit Bank of Russia, Gazprombank, UniCredit Italy, Société Générale. Gaidar snapped his fingers and counted as he spoke.

Hearing these names, Fang Chen suddenly felt that his head was going to explode, and all the big oligarchs in Russia came out at once.

Among these ten banks, there are six of the seven oligarchs in Russia in the previous life, and it can be said that except for Berezovsky, the other six oligarchs have all appeared.

But after thinking about it, Fang Chen's expression suddenly became a little weird, although there is no Berezovsky's Union Bank here, but there is his Huaxia Bank, which means that the seven oligarchs have all gathered in disguise.

Fang Chen really didn't know what to say now, should he say that Gaidar was too lucky?

However, Fang Chen also thought so in his heart, in fact, he also knew that he could not complain about Gaidar, in his previous life, it was precisely because Gaidar granted the franchise to the banks of these seven oligarchs that these seven oligarchs were born.

In other words, no matter who Gaidar chooses and is chosen, these people will still eventually become the seven oligarchs, and it is Gaidar who gives them the possibility of becoming the seven oligarchs.

It is a causal sequence of chickens first, eggs later.

But to be honest, Fang Chen is not optimistic about the franchise bank plan conceived by Gaidar and Chubais.

After all, if this plan is really good, Russia will not decline into this, let alone the birth of seven oligarchs.

But what Fang Chen wants to say is that they have good intentions, finance, and banks are all indispensable things for the normal operation of a country.

They even granted so many concessions to 10 banks at once, so that these banks could fully compete with each other, so that there would not be a situation where banks would charge high interest when lending funds to enterprises.

But Fang Chen really wanted to say that what they thought was too simple.

In other words, the policy is good, but the people's hearts are broken!

No matter how good a policy is, if something goes wrong with the people who implement it, it will only lead to a very bad outcome.

As I said earlier, the original intention of the chartered bank was to allow enterprises to obtain funds through the bank to develop their business and produce more goods for Russia, which is a good thing.

But the problem is that the individuals or businesses that get the loans are not doing that.

After they got the money, they did not use the money for the operation of the enterprise, but used the money to buy other enterprises, and then sold these enterprises to foreign capitalists, or directly sold them as scrap metal.

Because they do this, the profits they can obtain are far greater than the profits they can obtain by operating their normal enterprises, and the money comes quickly, and the turnover cycle is short.

After all, the capital they have to pay to obtain these enterprises is pitiful, and even Gaidar and Chubais gave them for nothing for the development of Russia, the solution of inflation, and the making of Russia a capitalist country with a free market economy.

This is also the reason why Luzhkov scolded him as soon as he mentioned privatization, did not want to carry out privatization, and scolded those people for being business owners who only wanted to be for an hour.

However, this kind of speculation or digging into the corners of Russia, because the profits are high enough, they can often accept higher interest rates on bank loans.

And banks are naturally profit-seeking, and whoever gives a loan with a high interest rate will lend money to whomever he wants.

As a result, those who really want to run their businesses painstakingly are unable to get loans from banks because their profits are not high enough, the money is not fast enough, and they cannot afford too high interest rates.

This is also the so-called bad money driving out good money.

Fang Chen once saw a statistic that only 1.2% of the funds issued by the Central Bank of Russia to these chartered banks every year are loans to normal business owners, the real economy, and the remaining 90% of the funds are loaned to this kind of speculative, easy-to-make short-term transactions, and then the remaining 8 percent is issued to import and export business.

And even Gaidar and their so-called non-participation in the privatization of Russia by the government, that is, foreigners in Russia are not qualified to buy enterprises from auctions and cheaply.

However, foreigners can buy Russian companies from other Russians or companies.

Gaidar and they didn't want to see it, but they couldn't stop it.

After all, now Russia is a capitalist country, a free economic market, and he cannot prevent foreigners from buying enterprises from other people and enterprises at a normal and reasonable price.

Once he does this, the United States and other developed countries in the West will put all kinds of hats on Russia, as well as launch sanctions, saying that Russia is not free, not cooking, and not capitalist.

However, in order to get close to the Western world, Russia in the Yeltsin era did not want any face, and has always used a hot face to paste the cold face of the United States and other developed Western countries.

In addition, the funds released by the Russian Kremlin to other states, regions, and borders will also be intercepted by these concession banks and delayed for a period of time.

You know, for banks, money represents profits, and banks can lend this money to other people and businesses, and then get interest.

And what's more, the funds issued by the bank to the state, region, and border are promissory notes, that is, the acceptance that is familiar in the country, and it takes a period of time to exchange, and if you want to exchange it in advance, you also need to discount the interest to the bank.

As for the most excessive bank, by virtue of its special relationship with the Russian government, the funds he distributes to the states, regions, and borders are discounted, or even not given at all, and directly ignore it himself.

And the most important thing is that at the current rate of depreciation of the Russian exchange rate, the concession bank can also find a way to exchange the money given by the Central Bank of Russia for dollars or commodities.

Fang Chen has probably calculated, although the depreciation of the Russian exchange rate is not as crazy as before, but the money obtained at the beginning of the year, when it is returned at the end of the year, although it is still so much money, and interest is added, its real value is only equivalent to one-fifth of the beginning of the year, and the remaining four-fifths have become the bank's own money in the depreciation of the exchange rate.

It is through these various means that the Russian oligarchs have accumulated a huge amount of wealth, which has gradually grown into the existence of future generations in Russia, manipulating the economy and manipulating the government.

"Fang, what do you think?" Seeing that Fang Chen was slow to express his opinion, Chubais became a little impatient.

Fang Chen smiled slightly, revealing four white teeth, "I have no opinion, I completely agree." ”

It is true that, as mentioned above, there is a big problem with the franchise policy, but the question is, why should Fang Chen oppose it?

What kind of words you say in your seat, your head is never as important as your ass.

For him and Huaxia Bank, the franchise policy is equivalent to opening up another source of income, and he disagrees, that is, he can't get along with his own money.

In addition, Fang Chen can't stop this, after all, no matter what, the taxes collected by the national government must be spent in a way, and there must be a channel such as a franchise bank.

Just like in China, the Ministry of Finance disburses project funds to local governments, not directly from the treasury of the Ministry of Finance, but also from the Ministry of Finance's bank account to the local government's bank account.

Banks, as the blood of a country, cannot be cut off, they must exist.

But now the hearts of the Russians have been broken, no matter how good the policy is, there will definitely be problems in its implementation, this is human nature, and it is not something that Fang Chen can change by himself, even Gaidar and Chubais.

Hearing Fang Chen say this, Gaidar and Chubaiston were overjoyed.

"Then let's talk about the voucher, what do you think of the voucher. Gaidar said while the iron was hot.

Voucher?

Fang Chen couldn't help but rub his temples, he felt a headache, because the voucher was something countless times crazier than the franchise, and it could even be said that it was the voucher that pushed Russia to the brink of death, all kinds of assets were completely opened to the big oligarchs, and the entire country was almost divided by them.