Floating interest rates again?

Robert John was a little confused.

The operating income of commercial banks is mainly based on the income from interest, interest rate differential subsidies, handling fees, price spreads, etc., from the business of lending, settlement, leasing, trust investment, securities trading, real estate development, gold, silver, foreign exchange and securities trading.

It can be said that the main operating income of a commercial bank is to rely on low-interest interest suck-out and high-interest lending to earn the interest rate differential.

With the current interest rate in Leningrad, if it rises again, it will be difficult for the banks to make any more profits.

Corporate commercial loans are in a semi-stagnant state, the interest rate spread has only been maintained at about three points, and the floating interest rate and then hire high-quality service personnel to seize the market, the cost superposition bank will definitely lose money.

What is the point of preempting a market that has been losing money for a long time.

"Boss, at present, the economy of the Soviet Union is almost in a state of semi-stagnation, and it is difficult to lend the money we have absorbed, and if the cost increases, I am afraid that we will lose money. ”

What a problem.

Shen Jiannan raised his eyebrows and tapped on the table.

"Hi. Old radish head. Listen, we don't need to put money out to earn the spread, we just need to take in enough deposits. ”

“......”

Robert John was silent for a moment.

The banker's acumen made him realize that Shen Jiannan's purpose was not pure.

"Boss. Are you not in the next big game. ”

"Congratulations, you got it right. However, there are no rewards yet, and if you do it beautifully, I think, you understand. ”

"Praise be to God!"

"Huh?"

"Praise for the kindness of the owner. ”

"Tanks have. ”

"But boss, one thing I have to warn you about is that if the deposits we take do not have enough earnings to pay the interest, perhaps, we will soon go bankrupt. ”

In theory, Robert John was right.

But what......

Shen Jiannan had to explain again that the old radish head was in charge of the Soviet banking industry, and he was bound to be involved in the whole process.

"Carrot head. You can turn your turnip head a bit. For example, what do you think of the idea that we take depositor A's deposit at a 6 percent interest rate, and then use that deposit to pay interest to depositor B, and then use depositor B's deposit to pay interest to depositor C, and then deposit C to deposit interest to depositor D?"

“......”

Holding the phone, Robert John was dumbfounded.

Isn't this a well-known Ponzi scheme?

Coincidentally, the address of this famous scam is in Boston.

In 1919, the Italian Charles Pounds arrived in Boston and devised an investment plan to sell postal bills to the American public.

As the world economic system was in turmoil just after the end of World War I, Pounds took advantage of the chaos.

He claimed that he could make money by buying some kind of postal bill in Europe and selling it to the United States. Due to factors such as policies, exchange rates, and other factors between countries, many economic behaviors are generally not easy for ordinary people to understand.

In fact, anyone who knows a little bit about finance will point out that it is impossible to make money in this way.

But Pounds, on the one hand, is playing tricks in finance, and on the other hand, he has set up a huge bait, claiming that all investments can get a return of 40 percent within three months.

As a result, a large number of "investors" followed, allowing Charles Pounds to easily amass tens of millions of dollars in wealth.

As a banker, Robert John is naturally familiar with this matter, and when he looks back on what Shen Jiannan said, he can't help but shudder.

Boss.

Are you trying to sell me?

"Boss, isn't this tearing down the east wall and making up the west wall?"

"That's right. It's Charles Pontz's, of course, our purpose is not to squander, we just want to save the overwhelmed economy of the Soviet Union. ”

“......”

Devils will believe it.

Robert John sneered to himself.

However, he also had to admit that this move could easily crush the Soviet banking industry and other foreign banks, so that Nanbo could quickly absorb large deposits in Leningrad.

"Don't worry, old turnip, I won't sell you. You know, I'm the most shameful guy who can sell anyone who only cares about making money. ”

"Boss. Do you believe that?"

"Of course. God can testify!"

“......”

God can be trusted, it is better to believe that the sow will go up the tree.

Hanging up, Robert John could only vomit and vomit, but he had to admit that there were no loopholes in this plan.

"What a devilish guy!"

The sky was white, and the night in Leningrad passed. As residents took to the streets, some people were surprised to find a long queue in front of a newly opened bank on East Main Street.

People always like to join in the fun.

All over the world, in fact, people in all countries have one virtue.

Looking at the queue dozens of meters long, Amsoil Ava Shuruohikina, who was about to go to the black market to buy vegetables, was a little curious, and she couldn't help but carry a vegetable basket and leaned over.

"Hi. Lad, what are you guys lining up here for. ”

"Oh. The newly opened bank, which is said to have a deposit of 50,000 rubles, will allow you to handle VIP customers at this bank, with a dedicated service and a free cup of coffee. ”

"And. I heard that the interest rate is also three percent higher than the national benchmark interest rate. ”

Amsol Ava Shurohiki's eyes were full of shock.

Three percent, 10,000 is 300 yuan.

"Could it be a hoax?

"It won't be a scam. The other day, when this bank opened, both Mr. Deputy Mayor and the Deputy Governor of the National Bank came to attend, and I also heard that, most likely, this bank also has their shares. ”

"These damn bureaucrats. ”

“......”

Amsoil Ava Shuruhiki scolded, but it was impossible not to be impressed.

Recently, due to the continuous shortage of supplies in state-run stores, prices on the black market have been rising, and everyone can feel the pressure brought by life.

Ten thousand dollars can be three hundred more.

What is the concept?

A dollar can be exchanged for about four or five rubles on the black market, twenty rubles, and you can buy twice as much high-purity kefir.

In other words, that's at least sixty dollars.

Amsol Ava Shuruhiki is a university teacher and has more than 50,000 roubles in savings.

Although her life is not under much pressure compared to ordinary families, who doesn't want their money to be more able to maintain their value, and who doesn't want to get more interest.

50,000 rubles, 1,500 rubles more a year.

The crowd was crowded, and as the crowd moved slowly, Ansoil Ava Shujohiki couldn't help but join the queue.

Unfortunately, she didn't know that in fact, the people who queued up with her could get a 50 ruble employment fee from Nanbo Bank every day, and the task was to queue up and introduce the bank.

It took about thirty minutes for Amsol Ava Shuruhiki to finally enter the bank hall.

As soon as I entered the door, a well-dressed and sweet-looking girl greeted me with a smile.

The girl's smile is very kind, which makes people feel like a spring breeze, and the slightly bent waist makes people feel respect involuntarily.

"Hello, distinguished lady, what business do you need to handle?"

"I want to handle the deposit business, can you introduce me to it?"

"Of course. It's our job. In our bank, the annualized interest rate is 9% for six-month fixed deposits and 12% for one-year large time deposits. ”

“......”

Under the introduction of the female bank clerk, the old face of Anso Ava Shuruhiki was almost relaxed.

The annualized interest rate of 12% for a one-year term, and the interest of that year plus the retirement pension is enough for her to live a stable life.

But then, Anthony Ava Shuruhiki had another question.

"Are there any restrictions on withdrawals here?"

"There are no restrictions. If you have a demand deposit, you can withdraw it all at any time. ”

"What about large fixed deposits?"

"Large fixed deposits can also be withdrawn at any time, however, according to the terms of the contract, large fixed withdrawals need to be calculated at the current interest rate. ”

"Oh. Be able to understand. I want to deposit 50,000 rubles, can you help me?"

The smile on the bank clerk's face became purer, and she bowed slightly and made a gesture of please.

"Of course. Distinguished Madam, please follow me. ”

Soon, the two arrived in an elegant room.

Shortly after Anthony Ava Shurohiki sat down, the bank clerk came over with a steaming cup of coffee.

"Ma'am. Your coffee. ”

Aromatic coffee, particularly pure.

Take a sip in the morning and immediately feel the energy replenished.

Anso Ava Shuruhiki had a strange glow on his face, and every day when he went to the National Bank to do business, the damn clerks always had a black face, which made people feel very bad.

It's different here.

It's like a servant serving God.

Sipping the fragrant free coffee in his mouth, Anthony Ava Shuruhiki made up his mind that he would never go to the National Bank again.

Boston, USA.

The afternoon sun shines through the windowsill, illuminating everything in the room.

The interior environment is gorgeous and elegant, except for the chirping of insects and birds, there is no noise in the courtyard for a mile.

In the living room, white leather sofas reflect bright colors in the light, and bright yellow oak floors reflect soft light in the sunlight.

Song Xiaodan's two legs hung in the crook of Shen Jiannan's arms, his slender arms hugged his neck affectionately, and his starry eyes were full of thick mist and attachment.

Parting is always sad.

After staying in Boston for a long time, Shen Jiannan was leaving.

For Song Xiaodan, the sourness almost penetrated deep into the bone marrow, making it unbearable for her.

"Hmm... Hmm..."

The starry eyes were like mist and kept sobbing, and Song Xiaodan hugged Shen Jiannan tightly, as if he wanted to hold this most precious time so that it could not slip away.

The tender love in the depths of the bones is enough to melt any steel.

Shen Jiannan was helpless, so he had to hold her like a child and keep comforting her, if he could, he also wanted to hold this woman who gave everything to him like this, and hold her in his arms forever.

It's a pity that Shen Jiannan's pacification effect is not good.

The more he soothed, the more Song Xiaodan couldn't control his feelings, his crying was like a song, his cheeks were already red from crying, and the deep resentment and fiery tenderness made his heart tremble.

"Boom-"

For a long time, maybe I was tired of crying.

Song Xiaodan restrained her crying and kept sobbing silently, her petite body was like a child, trembling again and again, which made people feel deeply distressed.

Shen Jiannan didn't know what to say.

Only deep guilt hit again and again......

"Jiannan ....."

“......”

ps：