Relying on the financial support of Goldman Sachs and Li Laoer, Commerce Bank has become one of the top 10 large banks in Hong Kong, and some of them are money. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 ｉｎｆｏ

It is different from the large banks in Hong Kong, which generally have a minimum deposit limit, and if it is less than 10,000, they will charge a certain monthly fee.

However, Commerce Bank does not have this restriction, and the account opening is free, and the so-called production cost that is common all over the world is removed, and you can save even one dollar.

At the same time, without collateral, you can still take out a loan with your salary.

This opens up a new model of micro-loans, which has the same business philosophy as Grameen Bank, but has a completely different business model based on local conditions.

If the Grameen Bank's model had been followed and the loans had been given to really poor rural women, the Commerce Bank would have lived a miserable death in accordance with China's national conditions on the three rural issues.

Commerce Bank's micro-loan is a business loan with individuals or families as the core, and its main service targets are Chinese mainland and Hong Kong, mainly serving farmers, rural areas, small and medium-sized foreign trade enterprises and office workers.

The loan amount is generally less than 200,000 yuan and more than 1,000 yuan.

Many banks do not approve of this model of the General Commercial Bank, just as a joke, they prefer to lend tens of millions or hundreds of millions of dollars to large enterprises at one time, they do not deny that small loans can be profitable, but the cost of manpower required for small loans is much higher than imagined, and it is a complete waste of time.

Even Goldman Sachs didn't agree very much, but Li He was a major shareholder, and they didn't invest much, so they didn't take this kind of thing seriously in the end, so they acquiesced.

The first thing Commerce Bank did when it entered Moscow was to buy Ukraine's bankrupt Delta Bank for $3 million, which had only liabilities and no assets, and its only advantage was its branches in independent capitals.

Because there are debts of up to 20 million US dollars, no one has been caring, which will be a piece of gold, and a fool would be willing to take over such a bank.

But in order to save time, as soon as the people from the Commerce Bank reported it, he immediately agreed without hesitation, on the one hand, the Ukrainian government was in a hurry to get rid of it, and would not set up obstacles, and it was convenient to acquire, on the other hand, it was difficult to find such a bank with all kinds of organs. Of course there are good banks, but it's not his turn to get their hands on it.

The Commerce Bank has long been thunderous in the domestic business circles, and this time the branch was set up in Moscow, which naturally attracted many Chinese to rush to borrow, and the Commerce Bank even more lent the conditions for borrowing.

After these Chinese got the money, the first thing they did was to go to the train station to pick up the goods from the Chinese who delivered the goods, 10,000 cans, and sell them in one day. Jackets and knitwear were easily sold into train skins.

These hard-working Chinese were helping the Soviet people get new clothes and shoes.

While lending money, Commerce Bank also learned from European and American banks, borrowing rubles in the market and selling them in exchange for currencies from other countries.

The current USSR was put on the spot by everyone as a warehouse of oil, gas, timber and military technology, and these resources could only be exchanged for underwear.

When it came time to buy a pair of socks with a coupon, the people finally began to shout, "This is the end of the Soviet Union!"

Everywhere there is a queue in front of the Daiseili State Store.

They were all enthusiastic supporters of reform, writing posters and handing out leaflets, but it ended like this ....

They couldn't believe that freedom was like that.

They simply can't believe that they shed blood in the war and are naïve like children.

Entering December, the temperature in Moscow has been below zero, since November, the average daily maximum temperature in Russia is as low as freezing, the following is said to be cold in Moscow's winter, the Germans and the French have the most right to speak, Napoleon and Hitler have been with the Russians, and finally lost in this weather that makes people want to cry without tears.

It's all too common for people to freeze to death, especially for some homeless people.

Li He is most afraid of the cold, he is definitely not willing to go out with such a temperament, he wraps himself like a bear, and is drinking tea in the lobby on the first floor of the heated hotel, while listening to some other people's reports, and occasionally making some instructions.

Suddenly, some people rushed in from the outside and shouted loudly in Russian, and then the people in the hall had a frightened look on their faces, and even a little incredulous.

Li He couldn't understand it, and at this time some Chinese also ran in from outside panting, shouting, "The Soviet Union is finished! The Soviet Union is finished!"

"Gorbachev on live TV. ”

Li He turned around and asked Temur, who was in tears, "What day is today?"

Temur, like many people, cried, but he wiped his tears and said, "December 25th, sir." ”

Someone moved the TV out of the hotel room, turned on the TV, and Go's speech had already begun.

"We have opened ourselves to the world and given up interference in the affairs of others and the use of foreign troops in exchange for trust, solidarity and respect. ”

"Our country and its citizens have gained a genuine freedom of self-determination to choose the path of development. “

"The exploration of democratic reforms in the federal system has led us to a bottom-line consensus on the establishment of a new CIS. These changes have brought us great anxiety. This anxiety was accompanied by a growing revolt from the old forces, manifested itself in all sorts of sharp struggles. ”

This means that the USSR collapsed, and the USSR was really finished.

Many of the Soviets present, no, they should be called former Soviets, had many different expressions, some happy, some indifferent, some weeping, some struggling. The more extreme ones had fallen into a frenzy, and they were shouting in the hall.

Li He asked Temur, "What did they say?"

With the collapse of the Soviet Union, although Li He had already been mentally prepared, he still couldn't believe it when this day really came. He also didn't understand why Temur, or even Matic, who was behind him, wept.

"They scolded the president as a secret agent of the United States, he betrayed communism, they hated the president, they said the president stole their homeland." ”

Li He asked, "Not your motherland?"

Temur said, "No, sir, I don't know, I was taught that I was a Soviet, and I should love the Soviet Union, but then I found out that I loved Georgia even more, and I hated the Soviet Union, but now the Soviet Union is gone, sir, I don't know, I really don't know." ”

He took out the Soviet passport in his pocket and looked at it carefully, and then put it in his pocket closely, "but I treasure it as the most precious gift." ”

"Let's go out and have a look. Although it was very cold outside, Li He still had to take a look in person, the landing of the Soviet Red Flag, and he also instructed Ding Shiping to bring the camera, he wanted to be a witness to history.

The crowd on Red Square was crowded, either Moscow citizens who had come out for a walk or tourists from other places, and no one cared about the flag, let alone a large number of media reporters with cameras and flashes on the scene.

In the Kremlin's green-domed building, two workers climbed out of a roof trapdoor, lowered the red hammer-sickle flag, and folded it up like a restaurant waiter cleaning up a tablecloth.

Li He stood in the center of Red Square and took a photo at the moment when the flag fell, and history was frozen at this moment.

The Soviet Union died, and the death was like the Great Qing Dynasty, and it was so silent that even a sigh was given by later generations.

An era is over, people go their separate ways, and the era enters turmoil and the unknown.

At that time, the Soviet Red Army smashed the Yellow Dragon, captured Berlin, and forced Hitler to commit suicide, what a majesty!

Without the liberation of Europe by the Soviet Union and the successive victories in the ground war, De Gaulle was still hiding in North Africa to fight guerrillas, and Churchill was still going to the ground all day long.

The birth of the Soviet Union woke up China;

The development of the Soviet Union guided China;

The strength of the Soviet Union helped China;

The Soviet threat sharpened China;

The demise of the Soviet Union served as a warning to China;

Li He could no longer find a second teacher as good as the Soviet Union.

He silently thought in his heart, the Soviet Union is good, don't come back.

On December 26, 1991, the Supreme Soviet of the USSR passed a resolution declaring the cessation of the existence of the Soviet Union, marking the end of the 69-year-old Soviet Union, the Soviet parliament was dissolved, the delegates bid farewell to each other, and went their separate ways, marking the history of the former great power of the Soviet Union, in which 15 union republics and 20 autonomous republics, 8 autonomous oblasts, 10 autonomous regions and 129 Krai were divided into 15 countries after the collapse of the Soviet Union.

The world was in a frenzy.

Li He realized at this time that the war between China and the West had just begun, and it was just a small fight before.

On the morning of the 27th, Li He went to the embassy and found that the name of the embassy had also been changed, to the Chinese Embassy in Russia.

This New Year, Li He can't go back, and he doesn't know how to explain to He Fang.

On the phone, Li Lan's voice calling his father became louder and his speech became clearer.

"I'm sorry. "He really had a strong sense of guilt.

"Okay, I don't believe you're really coming back, so let's go and send something to your house. He Fang still spoke so heartily.