Jing Jian smiled and drank coffee, and said unhurriedly: "Mr. Andre, there are two problems, first of all, without the automobile factory project, I will not have enough collateral. Second, I took so many loans, and I didn't have any attractive projects. I don't think we can continue without addressing these two issues. ”

The lunch break was not long, and Jing Jian didn't have time to go around. Just get straight to the point and listen to what this Andrei thinks. There is a loan, and Jing Jian certainly welcomes it with both hands. But if you take it, it's not interesting.

Andre smiled, he seemed to have made up his mind: "Mr. Bramble, you are an expert in investment, you said that you have not invested in projects? That should be a joke, right? As for the collateral you said, in addition to your Dajiang Daily Chemical stocks, I heard that your Skull Sea has enough running water, this should not be a big problem, right?"

Jing Jian completely understood what Andre meant, this was already a blatant illegal operation. It has nothing to do with Jing Jian, it's about the process of the Soviet Foreign Trade Bank.

Generally speaking, through the turnover and profitability of a certain company, it is indeed possible to issue a certain amount of loans. However, could Skull Sea not have had a loan before?

I will not go into detail about the specific process of foreign trade here. To briefly introduce it, like Skull Sea, after receiving an order in Europe or the United States, and then organizing the production of a mainland factory, and transporting it to Europe or the United States, and then paying off the goods, the business is completed. Obviously, it generally takes half a year to complete this process.

However, for a foreign trade company, the funds are limited after all, and if all the funds are used by themselves, the turnover in a year is two or three times. Of course, you can take out a loan from the bank with the proof of orders and flows, and in this way, you can borrow bank funds to turn over five or six times a year, or even a dozen times, and then a little loan interest will be ignored.

If you understand this truth, you should know that the Sea of Skulls will not only have loans, but the proportion of loans will definitely not be small. Generally speaking, banks in the same area will exchange messages. For example, if the loan amount of Skull Sea is assessed to be 100 million, and he has already borrowed 70 million from other banks, then in order to prevent risks, the maximum is to loan him the remaining 30 million.

However, there are always exceptions, such as Andrei's VTB. It is not a pure commercial bank, but has the character of a policy bank.

Unlike commercial banks, policy banks are sometimes not profit-oriented, and the person in charge, the Andrei manager, has great power, and in many cases can even make a decision. But beware: it is okay to give you a loan, even if the loan is not profitable, but there must be a very strong reason.

In fact, the original ones had nothing to do with Jing Jian, and he had completely given up. But I never expected that this Andre manager would actually take the initiative to come over, and the meaning of today's words ......?

With a smile, Jing Jian quickly figured it all out. After pondering for a while, Jing Jian suddenly asked, "Can I call you Andrei?" Call me Bramble, I like to make friends." ”

"Huh. Andre waited for Jing Jian's decision, with urgent anticipation in his eyes.

"Andrey, are you coming to the United States on business this time?"

"Huh?" Andre was puzzled by Jing Jian's sudden change of subject. Still, he answered truthfully, "Not exactly." I used to work in the New York branch, but I just arrived in Hong Kong, and I need to hand over some work this time. ”

Jing Jian was more sure in his heart. Round-trip flights from New York to Los Angeles are not cheap, and this trip certainly can't be public. For Andrey, the price he spent was not small.

"Andrey, then have fun in the United States. Please later, I'll give you a call. ”

“……”

Jing Jian dialed Kent's number in front of Andre: "Kent, I have a friend who is going to Los Angeles and will go to New York in a few days. Entertain him, buy him some gifts, $50,000, all credited to my account......"

With an "apology" on his face, Jing Jian put down the phone: "Andre, I'm really sorry, I should have been with you, but you see...... I still have a job. ”

"You're busy, you're busy. Andrei smiled, he understood that this time he had come to the right place, "I don't know ......?"

"When you go back to Hong Kong, someone will look for you. The loan goes according to the normal process, and you want to be ready for what you can offer. My friend made me happy and I promise to make my friend even more satisfied......"

“……”

After receiving the promise, Andrei left satisfied. Jing Jian also has a kind of pleasure after the peak and loop. To be able to get such a huge loan, don't be in vain!

However, this is a normal loan, but Jing Jian understands that it will never be normal, especially after the collapse of the Soviet Union, the depreciation of the ruble like a plunge. In order to prevent possible sequelae, Jing Jian needed a firewall, and Ilyitsev was a good candidate.

On the surface, Jing Jian's industry and the Soviet Foreign Trade Bank are very normal business dealings. And through Ilyitsev's company, you can do things that can't be put on the table. Anyway, it can create a "chance encounter with fellow countrymen" in Hong Kong, and Ilyitsev is also familiar with the situation in the Soviet Union, and it will be easier for them to interact with each other.

It should be said that if he can really get the loan of 1.63 billion rubles, it will be easier for Jing Jian to do many things. But now, he has some troubles after happiness - how to use so much money?

Pure trade certainly doesn't work. Is it true that the Soviet Union is taking out a loan first and then using the loan to buy commodities that are in short supply to the Soviet Union? Is this a fool of the Soviet government, and is this not the same as the goods that the Soviet Union gave to 1.63 billion rubles on credit? Moreover, the Soviet Union is willing to sell the chemical fertilizers, plastic particles, non-ferrous metals, and other commodities that Jing Jian needs?

In order to have an account, there must be a project that makes sense. But what kind of project are you looking for? For a while, Jing Jian couldn't find a direction.

Automobile factories certainly did not work, and the Soviet Union had a comparative advantage only in heavy industry. But if you really wrench your fingers, there's really nothing suitable.

Thinking of the end, Jing Jian decided not to think about it. The boat will naturally go straight to the bridge, and if you have money, are you afraid that there will be no place to spend it?

Anyway, he also hinted at Andre and asked him to mobilize his own connections and come up with projects or commodities that the Soviet Union was willing to provide, which is much better than Jing Jian's blind man touching the elephant, right?

……

Andrei's movements were fast, and after he returned to Hong Kong, he really "coincidentally" met his fellow countryman Ilyitsev, and soon became a "good friend". Everything seems to be going on in tacit understanding. The loan application has entered the approval process, and the project and product catalog provided by Andre have also been faxed to Jing Jian......