"Thank you, godgrandpa! You don't know how difficult it is to change money into dollars at home now, it's almost as hard as it is to exchange dollars in Moscow. Jia Lei sighed.

"Oh, is it difficult to exchange dollars in Moscow? Hasn't Moscow just privatized cash, and residents are willing to exchange dollars?" asked Wang Lao curiously.

"That's what the newspapers say, but that's not the case. Let me tell you a true story, not long ago, a few fallen masters in the capital were deceived when they exchanged dollars...... Jia Lei said.

What Jia Lei is talking about is that Shen Ning was deceived and Wang Fatzi was robbed, this situation is very common in Moscow, and Wang Lao has occasionally heard of it.

"Yes, it is very difficult to exchange foreign currency now! Especially the group of people left behind after the collapse of the Soviet Union are even more corrupt. They actually secretly exchanged all the dollars in the bank for their own people, and then took them to the black market and resold them at a high price. It's really not easy for us Huaxia people to do business over there! I don't know how to solve this situation......" Wang Lao sighed with emotion.

"The solution is easy, isn't it okay for the state to send someone there to open a financial institution or bank branch!" Jia Lei said.

"The political situation over there is still unstable and there are too many variables, and the ruble is likely to be invalidated, and the country feels that it is too risky to open a financial institution there now, so it has no plan for the time being. Wang Lao said.

"Then when will we wait for the state to open a bank there? You don't know how difficult it is for Chinese people to exchange dollars now, so they can only go to the black market to buy dollars at a high price, or find that kind of unreliable underground money bank to exchange? Some underground banks run away after receiving the money, which is particularly unsafe. A while ago, a friend of mine tricked me into opening an underground bank, and she said that only a rich person like me would not run away with his own money. Jia Lei said worriedly.

"Well, I also know the difficulties of you businessmen, so you should bear with it first! You must know that there are also difficulties above, and the ruble exchange rate is depreciating so quickly, if we really open a bank, the ruble received will not be a small amount. The ruble exchange rate has fallen from 0.6 rubles to 1 dollar in just over two years to 176 rubles to a dollar. You don't know that our country also used to have foreign exchange reserves in rubles, so let's not talk about it now...... That loss is too great!" Wang Lao waved his hand worriedly.

Jia Lei immediately understood, the exchange rate of the ruble is falling every day, and if the domestic bank really opens a ruble exchange business in Moscow, isn't it obvious that it is losing money every day?

By the way, you just said the official exchange rate, and the ruble exchange rate on the black market has already reached 1 dollar to 200 rubles. Jia Lei nodded and said.

"Ring, ring, ring!" As soon as Jia Lei said this, his eldest brother suddenly rang, and Jia Lei and Wang Lao said hello and picked up the phone.

"Hey, who?" asked Jia Lei.

"Jia Lei, I'm Hong Chen. The other party said.

"Hong Chen, it's not convenient for me to talk to you on the phone now, if there is anything, we will talk about it later. Jia Lei said that he was about to hang up the phone.

"Jia Lei has an accident in Moscow, I can't wait! My sister and Ma Li ran into robbers when they went out together, Ma Li and she died! My sister was also injured and went to the hospital, she is now lying alone in the hospital, I want to go back to Moscow quickly!" Hong Chen said anxiously on the phone.

"What the hell is going on? You can tell me clearly?" Jia Lei asked anxiously when he heard this, and he didn't care that Wang Lao was still by his side at this time.

"My sister said that she and Ma Li went to find a Chinese person to exchange dollars, and they didn't know when they were targeted by the robbers. They had just changed dollars to go out, and were about to get into the car when they were blocked by robbers, and as a result, the two of them ran to a bridge and were surrounded by robbers from the other direction. Then Mary pushed my sister off the bridge down the river, and she was killed by the robbers herself, and my sister just knocked her head and saved her life. Hong Chen cried and said.

"Bang!" Jia Lei heard that the eldest brother in his hand fell to the ground all of a sudden, and then he was stunned.

"I didn't mean it, I really didn't mean it! I just made a joke with Mary, I just wanted her to know not to make decisions for me, I had already arranged for him to change the dollars, and I would change it for her when I got back." Why can't she wait two more days, I'm going back soon...... , It's all my fault, it's me who hurt Ma Li!" Jia Lei squatted on the ground and picked up the phone, and said in a trembling voice.

"Jia Lei, this has nothing to do with you, this is an accident!" Hong Chen said.

"It's me who is not good, I shouldn't have joked with Mary! I should have thought about how unsafe it would be for her to stay in Moscow alone with so much money as a woman. I should have helped her change the money first, and then explain the seriousness of the matter to her! It's all my fault!" Jia Lei said with special regret.

"Jia Lei, this has nothing to do with you, this matter is only to blame those vicious robbers, and to blame Ma Li for being too greedy! She knows that it is not safe for a woman to carry too much cash in Moscow, and she has to help other people exchange foreign exchange to earn fees! Ma Li made such a big noise, it is a matter of time before an accident happens. Hong Chen said.

"Whatever the cause of this incident, how much of Mary's accident has something to do with me. She wanted to help others exchange dollars because she said that big thing, and now that Mary has fallen to this point, I have to do something for her, right?" Jia Lei asked on the phone.

"That's why I'm looking for you, Ma Li's family is very distressed when they hear about this, they want to go to Moscow to help Ma Li collect her body, but it takes too long to get a passport according to the normal process! Jia Lei, can you help them think of a way?" Hong Chen asked.

"I can, I'll go find someone right away! You can pick up Mary's family now, and I'll fly them back to Moscow with me tonight." After Jia Lei finished speaking, he hung up the phone.

"Grandpa God, I'm sorry, I'm in a bit of a hurry to leave first, and I'll make amends to you next time I have the chance." Jia Lei said with a pale face.

"Jia Lei, you wait first, I'll help you find a way to get a passport!"

The earliest big brother didn't have sound insulation and privacy at all, and when the big brother answered the phone at that time, it was almost the same as the current outlet, so Wang Lao heard Jia Lei and Hong Chen's words clearly.

"Thank you, Grandpa, but how can you help?" Jia Lei asked anxiously.

"I asked someone from the Ministry of Foreign Affairs to say hello to the embassy in Moscow and help the lady's family apply for a visa on arrival, which is an international practice for temporary visas in case of accidents. Wang Lao said.

After all, citizens of any country will have accidents outside, and generally no country will refuse to apply for this kind of emergency visa.

"On behalf of Ma Li's family, thank you, godfather!" Jia Lei said gratefully.

"Thanks, that lady will have an accident, all because of the exchange of dollars...... If our country had a financial institution over there, there would be a lot fewer accidents like this!" Wang Lao sighed.

"Hmm...... Grandpa, if I open a bank over there to exchange RMB, will China allow it?" Jia Lei asked suddenly.

"You can't control you when you open a bank in a foreign country, but why do you suddenly ask this question?" asked Wang Lao puzzled.

"It is not illegal to open a bank abroad, but those unfortunate people have to return to China to exchange RMB, because whether it is RMB or US dollars, they will be detained when they go through the customs of country E. But if I want to write a check in China, how can they return to China to withdraw money, it belongs to opening an underground bank, right? After all, individuals are not allowed to open financial institutions such as banks in China, will I be arrested if I do this?" Jia Lei asked.

"Jia Lei, don't you really want to open an underground bank, do you? In that case, if the exchange rate depreciates sharply, you will lose a lot of money?" asked Wang Lao in surprise.

"Don't worry, I'll try not to let myself lose!" I just want to ask, if I really do this, will you arrest me?" Jia Lei said seriously.

As soon as Jia Lei's question came out, Wang Lao fell into deep thought......

"Theoretically, as long as your means are legal, we can't arrest you. Wang Lao thought about it for more than ten minutes before finally saying such a sentence.

There are so many ways to make it legal. Jia Lei nodded and said.

"Jia Lei, don't worry, I'll ask the above for instructions on this matter, and try to help you get a gold medal for avoiding death, after all, I'm old and you're still young. If you don't do this kind of thing, I'm afraid it will become a stain on you for the rest of your life. I'm afraid that when I'm gone, someone will use this excuse to trouble you. Wang Lao said.

"Then thank you Grandpa!" Jia Lei nodded and said.

*****

Wang Lao put Jia Lei's ideas to the leaders overnight, and at the same time, he also sorted out a list of cases of many Chinese businessmen in Moscow for more than a year, when Wang Lao took these things out, the people in the conference room fell into deep thought.

"This matter should have been our responsibility, but our country's foundation is too thin to withstand too much loss, since Jia Lei wants to do it, let him do it! If possible, let the subordinates help him as much as possible." Ay...... I hope he doesn't lose too much!" Finally, someone clapped his hand and everyone else agreed.

According to the laws of our country, it is not legal for private individuals to open financial institutions. Wang Lao said.

"This is no problem, I heard that Jia Lei has deposited a large amount of money in the Industrial and Commercial Bank of China, and he is currently trying to find a way to withdraw or transfer money! You go down and ask the bank to help Jia Lei exchange this money into bearer cash checks, and Jia Lei can also go to the bank at any time to buy a large number of fixed cash checks in the future. It's legal to do so!," said a leader in charge of the economy.

"That's good, let's do it!" the others agreed.

****

There are two types of bank cash cheques: fixed amount cheques and fixed amount cheques. There are four types of fixed cheques: $1,000, $5,000, $10,000 and $50,000.

The latter kind of bearer checks are not easily issued under normal circumstances, because bearer cash checks are likely to be suspected of money laundering.

But the above saw that Jia Lei made an exception for the sake of all Chinese businessmen in Moscow, and the most important thing was that the above felt that Jia Lei was more than 80% likely to lose a lot of money.

After all, domestic economists are not for decoration, and it is already predictable that the ruble exchange rate will continue to depreciate, and everyone is still very sympathetic to Jia Lei, out of this sympathy, no one objected to Jia Lei's request.

After all, now in Moscow, the personal and property safety situation around him is too bad, and Jia Lei is really doing a good deed.

****

"What are you talking about? You can print me a large number of bearer cash checks to help me exchange rubles for Chinese businessmen in Moscow? Is this true or fake?" Jia Lei asked in disbelief.

"Oh, of course it's true, but Jia Lei, you must not use these checks to do bad things!" Wang Lao said earnestly.

"I see, but let me ask first, is the fee for this check high?" Jia Lei asked cautiously.

"It's not high, and each one charges 0.4 yuan for the production cost and 1 yuan for the handling fee! A cash check has 25 pieces, and the handling fee is only 35 yuan. Wang Lao said.

"Oh, it's good if the fee is not high. Jia Lei said with a sigh of relief.

"However, when withdrawing cash from cash checks of more than 50,000 yuan, you still have to pay a handling fee of 1/1000 to the bank, which is not much. The maximum is 5,000 yuan!" said Wang Lao.

"I don't have the money in my charge, whoever raises the money and let him pay it himself. But I hope the withdrawal date of this check will be extended to 20 days?" Jia Lei asked with a frown.

"Why? This is a bank rule, and it is not going to be changed easily. Wang Lao asked puzzled.

"It takes seven days to get from Moscow to the capital by train, and the original ten days are not enough time at all! It will take time to transport the cheque from the capital. Thanks to the fact that I use the plane! If I take the train, the check will run out before it arrives! But those ordinary businessmen take the train, and you are too short on time for this check. They had to exchange checks with me in Moscow first, and then take the train back to the capital to get the money, and if the train was delayed along the way, the money would be wasted. Jia Lei said speechlessly.

"You're right, but not 20 days, 15 days at most, or I'm afraid you'll do something bad. A bank man said.

"Cheng, 15 days is fifteen days!" Jia Lei nodded helplessly.

"Jia Lei, you have to think about it carefully, the ruble exchange rate is depreciating so fast, you are likely to lose money if you really do this!" Wang Lao couldn't help but remind Jia Lei.

"I can't lose it, it's a big deal that I just charge a little more fee. Jia Lei pressed his temples and said.

****

After Jia Lei made a decision, he hurriedly rushed to Moscow with Ma Li's family that night, and as soon as he arrived at the hospital, Ma Li's family rushed to Ma Li's body and cried.

There were many people gathered inside and outside the hospital, most of them were Chinese who were doing business in Moscow, most of them were grief-stricken, and many of them looked as bad as Ma Li's family.