Fang Chen pondered for a moment, it was indeed quite fast, when he first came to the Soviet Union at the beginning of the year, it was the time when the ruble was at its strongest, 0.6 rubles for 1 dollar, and in July it dropped to about 0.86 rubles for 1 dollar, and now it has finally reached below 1 to 1.

However, this is only the beginning, and after the fall of the Soviets, it will instantly dive to almost 200 rubles to 1 dollar, and this is when the feast of wealth officially begins.

"However, from next month, Huaxia Bank will be able to make normal profits. Chen Mingyong hurriedly made up for it like Berezovsky.

Previously, it was also because of the investment expansion, in addition to the money earned by the original nine branches of the head office, the rest of the funds earned by the new branches were invested in the construction of the next branches, and it was precisely because of this snowball-like expansion method that Huaxia Bank was able to change from the original ten to the current sixty-five in just three months.

Fang Chen raised his eyebrows, although Huaxia Bank earned far less money than the Auto Alliance, but it was 100% his, even if he had to give Luzhkov some money every month, it would be very little, only one hundred thousand rubles a month.

Although Luzhkov shirked it, Fang Chen insisted, after all, only the alliance of interests is the strongest, besides, it is nothing more than seven or eight million Huaxia coins a month, and he came out.

Besides, Luzhkov used the money to entrap people and establish relationships, but in the end, it still had to become his relationship, he and Luzhkov had long been grasshoppers tied to a rope.

Just from the fact that Yelina gave him a job, the relationship between him and Luzhkov is not clear.

If calculated in this way, 30 million rubles is basically equivalent to 200 million Huaxia coins, and the contribution to his income is more than that of the Automobile Alliance.

It's just that Huaxia Bank's growth rate of money will become slower and slower in the future, which has changed from 10 banks to 65 banks, and the number of banks has increased by five or six times, but the income has only doubled.

This is also something that can't be helped, there are only a few rich areas, just like communication base stations, although they are all the same model base stations, the coverage is the same, but the base stations built in the university town and the mountains, the income generated must be worlds apart.

Especially after leaving Moscow and Leningrad, the rate of return on building a bank is not to mention depreciating by 2,000 times, but there are always dozens of times or hundreds of times, and if he builds a bank in Siberia, it is estimated that he will not want to make any big money in his life.

But it is not a matter of losing money, it should not be a big problem to earn one or two million rubles a year, and Russian banks are no different from robbing money these days.

Especially when Yeltsin completely came to power and started privatization, and the private banks of the big oligarchs replaced the duties of the Central Bank of Russia, then the real treasure trove was opened, and a lot of money was made.

Fang Chen felt that if he wanted to get a piece of the pie in it, it shouldn't be a big problem.

"It's okay, the bank is built slowly, don't worry, spend money when you need to, don't care so much. Fang Chen said.

He doesn't have any need to spend money for the time being, let alone the need to exchange Huaxia currency, because the time to really spend money is not yet, and when the 04 machine is developed, it will cost a lot of money.

Chen Mingyong and Yelena hesitated for a moment, and then nodded, in fact, they were worried about whether to develop a bank in places other than Moscow and Leningrad, but Fang Chen had never objected, and although the benefits of building a bank in other places were not as good as those in Moscow and Leningrad, they could make money, so build it.

As a person in charge of the enterprise, Fang Chen handed over the enterprise to them, so it is their instinct to expand and develop the enterprise.

"By the way, ordinary Russians don't have any complaints about our bank, right?" Fang Chen asked.

Yelena shook her head, "No, it's good, I have always felt that our bank is more conscientious, not to mention the high interest, saving money and sending daily necessities, and can also return the deposit at any time, without delaying the calculation of interest, now other banks, such as Citibank, Standard Chartered Bank, and BNP Paribas, they have copied our policies, but they are useless and cannot shake our position." ”

"In addition, we have been doing some charity activities, such as sending food and clothes to children in orphanages and schools, as well as school supplies, etc., so the people have always had a good opinion of us, and they are willing to deposit money in our Huaxia Bank, so you are really a good person, God sent to save the Russian people. Ye Lina said proudly, her eyes flashing with excitement.

If it was said that at the earliest, she was just fooled by Fang Chen and wanted to get out of the government and go to the enterprise to learn and experience, but now after experiencing so many things, she does feel proud and proud of Huaxia Bank and Fang Chen.

Fang Chen rubbed his nose a little embarrassed, yes, he was stuck by the good guy again......

Is he a good guy, though?

Fang Chen shook his head lightly in his heart, the word good person is definitely not counted, at most, they are just better looking compared to Citibank.

The last time the orphan was a blessing in disguise, Huaxia Bank and his prestige have risen all the way, after all, like Huaxia Bank, there are really not many enterprises that donate a lot of materials to orphanages and schools every month, especially some scarce Huaxia goods, which cannot be bought with money.

It can be said that now Russians have to give a thumbs up when they mention Huaxia Bank and Mr. Fang.

But what Fang Chen paid was only the goods with the original price of one or two hundred thousand Huaxia coins, and he couldn't even use up a train wagon for Ma Yundora.

"If you want to take it, you must first take it. Fang Chen said faintly.

If he hadn't paid the goods of 200,000 Chinese coins, how could there be so many Russians willing to save money with him, and he would have earned it.

But when I thought of it, Citibank, Standard Chartered Bank, and BNP Paribas, such internationally famous banks, have a lofty existence at the mention of it, and they are the same as domestic banks, saving money to send soap and peanut oil, Fang Chen felt an indescribable sense of joy.

But after thinking about it, our big industrial and commercial bank, the first bank in the universe, still saves money to send peanut oil, why can't Citigroup?

"Boss, you're a great man, angel!" said Yelena in no uncertain terms.

She really knew very well that Fang Chen was indeed making money from other Russians, but if Fang Chen didn't make this money, wouldn't the exchange rate of the ruble fall at the speed of falling off a cliff?

When the interest rate of other banks is only 10% a year, Fang Chen offers a high interest rate of 30%, and saves money to return daily necessities, allowing Russians to access and withdraw at will without delaying the calculation of interest, which is already very good, and it is completely an angel's behavior.

After all, if the ruble didn't depreciate, then Fang Chen would have to lose money, which is why she was in a hurry to take out a loan and lend it out.

Now that Fang Chen is making money, it can only be said that Fang Chen has a good eye, what is there to complain about and be jealous of.

Besides, because of what Fang Chen did, these preferential conditions were issued, and Citibank and Standard Chartered Bank were forced to offer 30% high interest rates, deposit money for daily necessities, and allow access at any time.

To put it mildly, even those Russians who keep their money in other banks, in her opinion, should be grateful to Fang Chen, if there is no Fang Chen, there will be no such good changes.

Therefore, all her praise for Fang Chen is sincere.

Fang Chen's expression moved, "How are you getting along with Comrade Vladimir?"

Chen Mingyong glanced at Fang Chen a little strangely, he always felt that Fang Chen was particularly concerned about Vladimir, the chairman of the Leningrad International Liaison Committee in charge of the city's foreign economic relations.

However, as soon as his thoughts turned, Chen Mingyong was relieved, probably because the branch of Huaxia Bank in Leningrad happened to be under the control of Vladimir.

But he really didn't think that Vladimir, a small chairman of the International Liaison Committee, who was outside the hundredth line in Leningrad, would dare to stumble on their Huaxia Bank.

The reason why Mr. Fang is like this is probably more because of the mayor of Leningrad, Sobchak, after all, Vladimir is his disciple.

Thinking about it this way, Chen Mingyong still replied honestly: "The relationship is not bad, I have had dinner with him twice, but I don't accept money, and since I have known him for so long, he has accepted some worthless small gifts." ”

Fang Chen glanced at Chen Mingyong, his expression was a little playful, he had dinner with Comrade Vladimir, and Chen Mingyong would be able to brag about this ten years later.

"That's fine, you don't need special treatment, just send a small gift and keep in touch. Fang Chen said lightly.

Although he does not intend to touch Comrade Vladimir, the chosen son, but if Comrade Vladimir wants to appear on the world stage, it will be at least six or seven years later, and he does not need to care about it at all now, just get married.

After the previous two families had finished reporting, Fang Chen looked straight at Ma Yun.

"As you said before, the profit from the unit price of domestic reloading is getting lower and lower, and now the profit margin is less than three times, so even if the freight volume has risen from the original 30 train cars per month to the current 60 or 70 train cars per month, the income has not increased much, and now it is about 20 million rubles a month, and now it is a little lower than last month because of the abundance of goods in Russian stores. Ma Yun said simply.

He had just returned to China last month because of the plane, and he had already reported the situation to Fang Chen at that time, so now it is enough to talk about it briefly.

"It's okay, it's all normal, just keep it up. Fang Chen comforted.

In the past, the income of the fallen master was basically on par with the Automobile Alliance and Huaxia Bank, and the troika went hand in hand, but now the fallen master has obviously lagged behind.

But this is also something that cannot be helped, the Russians are getting poorer, the ruble is depreciating faster and faster, and the number of goods and train cars in the country is limited, and the speed of making money is naturally getting slower and slower.

Even so, the reason why he can get sixty or seventy train wagons every month now is also because of the result of hitching up with the top and putting him on the top, otherwise even if Ma Yun stuffs money into the stationmaster of the freight station, he doesn't dare to give Ma Yun sixty or seventy train wagons every month. Fupin Chinese