In this way, under the supervision of the cold wind, the loan business of Ukrainian banks finally began to be in full swing.

Because Ukrainian banks have huge reserves as a backing, their interest rates are much lower than those private loans outside, which naturally attracts the favor of countless small and medium-sized businessmen who lack funds on hand.

Therefore, during this period, there are many applications for loan business.

However, Lian Qingrui and Krel, who are now the head and deputy leaders of the bank, were not carried away by this, and they kept in mind the instructions of Leng Feng at the beginning, and strictly screened the funds of loan applicants.

In this case, a completely independent bank asset valuation team was finally formed, and it was quickly involved in the actual business.

As the backbone of the evaluation team, it is natural that Leng Feng pulls the students of the business class from the comprehensive college.

After a series of systematic learning, they already have a deep understanding of various business knowledge, so they can get started very quickly.

In addition, because these people are not only young, but also especially cherish this opportunity, there is no lack of enthusiasm in their work, and they have been unanimously recognized by Lian Qinghui and Krell in a short period of time.

You must know that nowadays, with the gradual opening of the reputation of the Ukrainian bank, it is even more enviable to be able to work in it, so why will these students not grasp this rare opportunity?

However, despite the enthusiasm of these students, it is inevitable that they will encounter difficulties due to insufficient knowledge when conducting asset valuation.

Fortunately, in order to make up for such shortcomings, the Bank of Ukraine has not hesitated to spend a lot of money to recruit a group of relevant talents from all walks of life to form an expert evaluation team.

According to the bank's regulations, these expert evaluation teams are not included in the banking system, but only record the relevant information and keep it safe.

If necessary, a random portion of the appraisal is carried out and they are given a percentage of the value of the goods assessed.

This has undoubtedly been a useful addition to the Asset Valuation Group.

With the cooperation of the expert evaluation team, it really screened out a lot of people who wanted to defraud the loan applicants among those loan applicants, and the bank's attitude towards these people was also very resolute, and they refused without hesitation.

In addition to those with bad intentions, it has to be said that there are many projects with great potential and business opportunities in these loan applications, and Leng Feng has not hesitated to give low-interest or even interest-free loans and included them in the assistance policy.

Of course, if you want to enjoy such a policy, you must be reviewed and approved by the asset appraisal team and the expert review team at the same time, and then submitted to the cold wind after the consent of Krell and Lian Qingyuan, and then the cold wind can only be reported to Hillary in person.

The rigor of the process is evident.

Originally, Hillary, an old man, still had a lot of complaints about the cold wind support policy, after all, he has now seen that the bank's biggest and most stable source of income is undoubtedly the interest earned on the loan!

If they all make low-interest or even interest-free loans like cold wind, then the bank must not drink the northwest wind?

Fortunately, Leng Feng was also prepared for this, and he expressed his opinion without hurry!

In fact, his opinion is very simple to sum up, that is, to hide the wealth from the people!

In fact, in Leng Feng's view, whether it is as big as a kingdom or a province like Ukraine, no matter how rich he is as a government, but the civilians under his rule are poor, his rule will still not last long.

Unless the government unleashes too direct intervention in wealth, opening up channels for ordinary people to create and accumulate wealth.

For example, the poor people who are now gathered on the outskirts of the city, although Leng Feng has launched a series of relief actions, coupled with the establishment of comprehensive colleges and banks, and Hillary Clinton has also opened warehouses from time to time to release grain, thus alleviating the plight of the victims to a large extent, but the effect it can play is still limited.

Unless the merchants gather enough wealth and reinvest it in the expansion of reproduction.

In this way, with the expansion of the scale of production, it is necessary to hire more people, which undoubtedly gives the poor the opportunity to work.

With the gradual employment of these poor people, they have more surplus money on hand, so they will use it to buy various goods, and this is a kind of stimulation for the development of commerce.

In Leng Feng's view, in order to constitute such a benign development, there must be a force to intervene and properly guide it.

There is no doubt that the Bank of Ukraine is very suitable for this role.

In Leng Feng's view, although the bank is a business organization in the final analysis, after all, the pursuit of profit maximization is a responsibility that it can never erase.

It's just that because the government now occupies an absolute majority of the shares, it is also a social responsibility for him to help people's livelihood.

What's more, this kind of assistance policy is not available to everyone, and it must be approved at various levels and submitted to Hillary Clinton for approval before it can be implemented, which makes Hillary's worries finally reduce a lot.

In the end, after some careful weighing by Hillary, she finally agreed to Leng Feng's suggestion.

With the approval of this big guy, the next thing is naturally much smoother.

It has to be said that this policy was unanimously opposed by the shareholders of the banks, who are naked businessmen who value real gold coins more than those countries' macroeconomic controls.

It's just that Hillary, as the largest shareholder, has already nodded in agreement, so how dare these businessmen go against the emperor of this province?

What's more, it has long been stated that these shareholders only have the power to advise on the operation of the bank, but they have no power to directly intervene, and this time the dead fat man Babos is very righteous and stands on the side of the cold wind.

With the support of this guy, no matter how unwilling those rich people are, they can only swallow this breath.

In fact, in addition to the reasons mentioned above, there is a more important reason for them to compromise, and that is the huge benefits that banks now have after they are gradually on the right track.

Not only is the amount of storage increasing steadily almost every month, which makes its reserves so abundant that people can't help but blush, coupled with the spread of loan business, it has made it grab greater benefits.

In comparison, the losses caused by the assistance policy of low-interest or even interest-free loans are only a fraction of them.

So much so that although these rich people are still a little dissatisfied with the cold wind in their hearts, they gradually begin to admire his unique vision.

So much so that a saying began to gradually spread in today's aristocratic circles: it is very difficult to do business with the cold wind and lose money.

Based on the above reasons, those guys in the aristocratic circle can be said to love and hate Leng Feng now, and the feelings in their hearts are very complicated!

However, with the gradual development of the banking industry, there is a contradiction with those private borrowers and the issuers of magic crystal cards.

After all, both of them were once vested interests, and the development of the cold wind banking industry inevitably caused them a lot of losses.

So much so that during this period of time, people kept coming to visit, wanting to let the cold wind leave them a way to live, but the cold wind reacted coldly to them, and at the same time, they tightened the secret contact with several of the largest magic crystal card manufacturers in the province.

After all, credit cards are also one of the means for banks to accumulate wealth in the world of cold wind, and it not only makes it more convenient for people, but also allows banks to have an extra means of condensing money in addition to ordinary deposits, so where will the cold wind easily let it go?

Strictly speaking, in fact, the technology of the magic crystal card is very mature in this world, and its practicality is actually not much worse than the credit card in your own world.

It's just that because of the profits, this magic crystal card has become one of the means for operators to grab benefits, charging a large amount of fees in the transaction process, so that they don't know how much money they swallow.

So much so that until now, this magic crystal card is only the patent of a few dignitaries, but those civilians don't even dare to think of being able to own it!

With the gradual development of banking business, Leng Feng has made up his mind to completely break this abnormal monopoly pattern!

Against this backdrop, negotiations with private lenders and Magic Crystal card manufacturing operators have finally begun.

"Mr. Leng Feng, the loan interest set by the bank you set up is too low, and we really can't survive, so please raise your hand!"

I saw a tall and thin man stand up first, saluted the cold wind, and then said straight to the point.