With the end of the New Year holidays, the second phase of the new workers' village in Moscow is gradually on the agenda. Pen, fun, pavilion www. biquge。 This time, Seryosha set his sights on a large area of abandoned factories in the south of the city, which was originally a large industrial project, but later abandoned due to lack of funds, and became deserted. Since the original plan was a factory and was not suitable for conversion into residential buildings, Seryosha decided to tear down the area and rebuild it.

Since it is still winter, it is not possible to start construction immediately. However, there are some preliminary work that can be carried out in advance, such as demolishing buildings, leveling the land, etc. Seryosha learned from a series of problems that leaked out during the last construction process, and this time he broke down the entire project into a number of small projects and directly submitted a tender to the construction contracting team.

The so-called construction contracting team is a completely new thing, which was initiated by President An after he came to power, with the aim of improving the low production efficiency in the Soviet Union. These contracting teams are somewhat similar to the contractors of later generations, and it has to be said that they are indeed much more efficient than construction contracting companies, and Seryosha hired hundreds of such contracting teams in one go. They signed the contract with Seryosha and set up a new company, the National Housing Development Company. The whole project also involves some engineering supervision, architectural design and other supporting companies, all of which are partners found by the National Housing Development Company in the form of public bidding.

Seryosha is standing on the roof of the tallest building in the first phase of the workers' new village, from which the entire construction area can be observed. The endless land is full of busy construction machinery, and although it is a cold winter, this enthusiasm is reminiscent of the construction period of the Lenin era.

"You see, as long as there is enough money, it will become the best workers' housing area in the country in a few years!" Seryosha said confidently to Sobchak. The purpose of this visit was to make him the head of the newly established National Housing Bank, and of all the people Seryosha knew, Professor Sobchak was undoubtedly the most suitable one, but it was indeed difficult for a young and promising professor of economics at Leningrad University to give up his post to become the president of a small bank that was just starting out, because after all, everyone knew what position was more beneficial to him.

"Seryosha, you have done a great thing! The funding required for this project will be astronomical. I have no experience in the banking industry and I can't guarantee that I will be able to raise all the money you need! It's just too hard for me! Sobchak said with some reservations.

"Think again, Mr. Sobchak! I really don't know anyone else who can do this job but you! Seryosha said earnestly.

Sobchak still had difficulty making up his mind, and he did not respond to Seryosha's words. After pondering for a while, Sobchak said: "Seryosha, it is indeed a good idea for you to tie the rental income of a residential project to the interest rate on bank deposits, but there are still some problems in this! ”

Seryosha was not afraid of Sobchak's opinion, he was afraid that he would have no opinion. He was naturally very happy to see that Sobchak had begun to think from the perspective of a project manager, so he hurriedly said: "Teacher, I was about to ask for advice!" ”

"Have you ever wondered why you've been able to raise money now?" Sobchak said knowingly.

"Because our interest rate is relatively high!" Seryosha replied that this was indeed his idea, and that the interest was still profitable compared to the rent.

"It's just one aspect, it's not the root cause. Over the past few years, our economic growth has almost come to a standstill. The productivity and quality of the products in the collective farms and some industries related to people's livelihood are declining, and many factories are at a standstill, but our country will not allow workers to lose their jobs, and even if the factories are shut down, the wages of the workers will be paid in the same amount. On the one hand, the shelves of our stores selling consumer goods for residents are empty, and on the other hand, the workers have a lot of money in their hands but cannot buy the goods they need, and from the point of view of purchasing power, we are facing severe inflation! Sobchak said worriedly.

Although Seryosha knew about inflation, he still didn't understand where his hidden danger was, so he then asked: "Teacher, please go on!" ”

"The rents charged for the housing projects in the workers' new village are not high, so the liquidity of funds becomes very poor. Banks are all in debt, once the National Bank raises interest rates in order to curb inflation, your financing costs will increase greatly, in case your financing costs are equal to or even exceed this level of rental income, I am afraid that this will be another piece of unfinished buildings! Sobchak looked at Seryosha and replied with a serious expression.

When Seryosha heard this, he completely understood that he was indeed thinking too simply. The interest rates of the National Bank are not static, and once they do what Professor Sobchak said, their seemingly perfect system will collapse in an instant. When the time comes, you will become a scapegoat for failure, and the consequences will be unimaginable. Economic things really need professional talents, and they can't play with a half-ass.

"Teacher, what should I do?" Seryosha asked earnestly.

"If you follow my thoughts, the best way is to speed up the liquidity of funds, housing is a heavy asset, the speed of realization is too slow, and the speed of capital consumption is amazing. Once there is a problem in your capital chain, causing a large-scale shutdown, the social impact will be very bad. This puts you in a very dangerous position! All the people need is food, clothing, shelter and transportation, and I suggest that you start with the supply of daily consumer goods for the residents, and don't rush to invest money in your workers' new village project. Professor Sobchak suggested.

Although for the workers of Moscow, it is everyone's dream to live in a satisfactory house, but even the matchboxes distributed in the factory can still live in people, and the most indispensable thing for the common people is those goods that are necessary every day, such as vodka, all kinds of food, ordinary clothing, etc. Ordinary people use these things every day, but the lack of supply in state-run stores cannot meet everyone's needs, and this is the crux of the problem.

Seryosha let out a long sigh, thinking in his heart that after a long time, he would return to the smuggling business he started. But now it is imperative that Sobchak remain.

"Teacher, you should think about becoming the president again!" Seryosha pleaded.

"That's all said and done, can I still not agree, I'll be at your disposal at any time!" Sobchak said dryly.