A big thing happened recently in the Brazilian rural financial cooperative, which was originally famous in the Brazilian Plateau area. Of course, this is not a bad thing, but a good thing: On July 1, 1680, the fourth-ranked La Plata Bank in the East Coast Republic of China, and the fifth-ranked Brazilian rural financial cooperative officially announced the merger to establish a new mass savings bank to improve its business capabilities.

The merged Volkswagen Savings Bank's asset scale and business volume both surpassed the Commercial Clearing Bank, ranking third in the country after Northwest Reclamation Bank and United Industrial Credit Bank. Brazil Rural Financial Cooperative, a notorious financial company that was tricked by the army during the Eastern Portuguese War, finally achieved its goal after years of deep cultivation in rural Brazil and became a large financial company with business covering savings, credit and import and export settlement.

Behind Volkswagen Savings Bank, there are New World Friendly Mutual Aid Bank, and Taiwan Bank are silently catching up. Because the State Administration of Precious Metals has lifted the business restrictions for all banks in one go, policy banks such as New World Friendly Mutual Aid Bank can also carry out deposit and loan and import and export settlement businesses, and Taiwan banks no longer need to be restricted by loan amounts as before, and can operate with confidence.

The reason for this situation is mainly because after decades of development, these major banks in the East Coast Republic have gained a foothold in Europe, connected to other people's financial systems, and can easily conduct trade settlements and settlements. Various types of notes issued to customers have been gradually accepted and recognized. Especially in the Mediterranean region, the reputation and reputation of East Coast Bank are basically second only to old financial companies such as St. George Bank, Sao Paulo Bank, Venetian Bank, and Rialto Plaza Bank (the East Coast Company reopened after 20% of its shares, which is one of the cooperation projects between East Coast and Venice). This has nothing to do with anything else, it is just that the strengthening of the strength of the East Coast and the increase in influence, which is a natural result after years of hard work.

After the bank merger, Volkswagen Savings Bank will still focus on providing deposit and loan services to farmers and agricultural-related enterprises in Brazil. This is one of their traditional territory, so naturally they will not give in at will. Moreover, not only will they not give in, but they will also make great efforts to continue to deepen their efforts in Brazil. Among them, Beining and Hue are the top priority.

This time, Liu Houfei, a commissioner of the Beining Regional Administration, found the Public Savings Bank. He mainly talked about providing long-term low-interest loans to newly established counties and townships and new immigrants to help them become independent as soon as possible, so as to create wealth, accelerate regional economic development, and provide tax revenue to the government. In this way, Liu can achieve political achievements on the surface, and better leave and display his own abilities on a broader stage.

Today, I came forward to discuss with Liu Houfei in detail about Zhou Huimin, the acting president of the Volkswagen Savings Bank, a woman in her forties. In the East Coast Republic, any woman who can climb to such a high position is not simple. Either the background is not simple or the ability is not simple, while Zhou Huimin is the former.

This woman is the daughter of Zhou Shenwo, a former chief tycoon of the Central Committee and a member of the Executive Committee. Several brothers and sisters are either in politics, in the army, or in business, and have a huge influence. She chose to start her career in "where her father fought". She has been working for more than 20 years, and her ability is still pretty good. She is a cadre focused on cultivating the financial system.

Now, after the merger of La Plata Bank and Brazilian Rural Financial Cooperative and the official establishment of Volkswagen Savings Bank, Zhou Huimin came from the position of deputy president of New World Friendly Mutual Aid Bank, and took on the role of head of the third largest bank in the country, completing a first-level leap.

Liu Houfei is a second-generation person in the circle of the same generation. After hearing about the reputation of this woman for a long time, he naturally did not dare to underestimate her. He politely welcomed the people to the best office of the regional administration. He brought several deputy and followers to carefully discuss the next stage of cooperation plan with people from the banking system.

"It's the last time. Can you help us run a special low-interest loan of 500,000 yuan?" After meeting and greetings, Liu Houfei immediately got to the point and mentioned the main purpose of finding them this time.

The purpose of his request to provide loans to them was very simple, which was to dredge the lower reaches of the Tiete River and use the only dozens of kilometers suitable for navigation in this river with a huge gap, so as to develop the economy of some newly established settlements on Gaoguo County, Bowang County and the north bank of the river. These newly established settlements are: Feiru Township (located near the town of Itapra, Brazil in later generations), Daifang Township (located near the town of Oliverrama in later generations), Changcen Township (located near the town of Santa Fe in later generations), Leju Township (located near the town of Fernandopolis in later generations), Gaoxian Township (located near the town of Brittama in later generations).

Changli Township (located near the city of San Jose on the Preto River in later generations), Bintu Township (located near the small town of Catanduva in later generations), Anshi Township (located near the town of New Origant in later generations), Wangping Township (located near the town of Ibidinga in later generations), Lelang Township (located near the town of Matang in later generations), Baodai Township (located near the town of Yabotikabar in later generations), Zhuolu Township (located near the town of Baretus in later generations), Panquan Township (located near the town of Guaila in later generations), a total of thirteen settlements, but there are not many people at each point, with a total of more than 20,000 people. Economically, it is mainly logged and agriculture and animal husbandry, and it is not good enough.

However, even so, Liu Houfei's determination to develop the lower reaches of the Tiet River is obvious. The reason is that the transportation conditions here are good, and there is no "eighteen bends of mountain roads" like the one from Beining to Changshun. Usually, people and animals fall into the valley, not to mention the time when it rains and mud is unpassable. Therefore, the Beining region, which is extremely difficult to move eastward, can only set its goal to the westward direction. This can be seen from the fact that the regional administration has allocated more immigration quotas that it has finally obtained to the west to the west near the Parana River basin in recent years. They were really disgusted by the Brazilian shield in the east of Beining County, and had to change their thinking.

Considering that the Ministry of Transport has vigorously dredged the Parana River waterway in recent years and has invested in building multiple ship locks, the navigation capacity of the Parana River will definitely be greatly enhanced in the future, and the ability to communicate and communicate with the outside world will inevitably increase year-on-year. Therefore, it is timely to dredge the Tiete River waterway and develop the local economy.

"A loan of 500,000 yuan is not a small amount, Commissioner Liu." Zhou Huimin, president of Volkswagen Savings Bank, turned his pen helplessly and said with a wry smile: "You know, our bank has recently reorganized. Although the asset scale has increased significantly, its profitability is not very strong. At present, the international trade clearing business is more profitable, but it also faces the strong challenges of commercial clearing banks and has lost a lot of market share. The original agricultural loans of the Brazilian rural financial cooperatives were too scattered and mainly low interest rates and long-term, and cannot bring too much benefits to our banks. Therefore, if the regional administration cannot provide convincing guarantees or collateral, then we may not dare to lend money. This is not that our bank is unkind. It is because there are regulations within the bank, and I cannot break the rules at will."

"The loan is not good, so what about issuing bonds? You help us issue bonds of 500,000 yuan. If you can't sell them, your bank will eat the remaining part by itself. How about it?" It seemed that it was expected that the other party would not want to take out a loan. Liu Houfei immediately settled for the second best and chose a plan that was easier for them to accept, but it was just a little bit.

"Specialist Liu, this seems to be not much different from asking for a loan." Zhou Huimin smiled immediately after hearing this, and only heard her say: "It is not impossible to issue bonds. Even for the sake of our years of cooperation, we can help you issue it at a very low cost, but in terms of how balance underwriting is done, to be honest, we don't have much sense of security. I'll ask, "Did you do the calculations?" If you set up a lock on this section of the river to get back the principal and interest?"

"It may take more than 30 years." Liu Houfei said embarrassedly: "But the account is not calculated like this. After the canal is dredged, it may take a long time to recover the capital by charging alone (it may be less than 30 years). However, if we consider other benefits brought by the economic activity of the two sides of the Taiwan Strait, the cost period will be greatly shortened. Maybe it will take only twenty years to recover the capital. What I am talking about is the principal and interest."

"But this is just the income of your local government. What does it have to do with our public savings bank? What we can see is that the charges for setting up cards on the canal can be used as collateral, but it is not enough. Could it be that you can still mortgage the fiscal revenue of several counties dozens of kilometers on both sides of the canal to us? No, no, Commissioner Liu, those counties may have been unable to make ends meet in the first few years. If part of the income is really mortgaged to us, they will not jump up! This kind of trouble has always been avoided by our banks because it will involve a lot of energy."

"This is not OK, that is not OK. Are you still the Brazilian people's bank? Do you believe it or not? As long as I say one thing, all government agencies, enterprises and institutions in Beining will not open common accounts in your bank tomorrow, and the people will try not to deposit your bank? You keep saying that you want to help Brazil's local development, but when the Brazilian people need you, you will be pushed back again. What's the point!" Liu Houfei suddenly became a little angry and said a little bachelor.

Zhou Huimin has been working for so many years, and both her boss and subordinates speak in a friendly manner. People like Liu Houfei who are relatively bachelor and strong-willed have never seen one, but there are not many, so she was a little aphasia for a while. The threats are real, and what they are saying is right. Volkswagen Savings Bank cannot give up the Brazilian rural market that has been deeply rooted in for many years. Places like Beining are also very large in business and have a large number of customers. Regardless of whether what Liu Houfei said is true or not, one thing is certain: that is, once people start ruthless, it is completely possible to make Volkswagen Savings Bank difficult to carry out business in Beining, and then be eaten away by competitors.

Therefore, after thinking about it for a while, she still answered helplessly: "Commissioner Liu, talking about business is not like you. We always have to blow our beards and stare at each other, which makes it difficult for us to do this. It is better to do this. The 500,000 yuan canal bond cannot be issued, but we also have a condition, that is, the 500,000 yuan must be included in our public savings bank's special account. If you want to use a part, you will be put in it when you don't use it. In addition, starting next year, the salary expenses and fiscal revenue of governments at all levels in Beining will also be in

Our common accounts of Volkswagen Savings Bank are allocated in the public savings bank, and administrative orders are used to require civil servants at all levels and local enterprises to deposit their deposits into Volkswagen Savings Bank as much as possible. How about it? If Commissioner Liu can agree to this condition, then our industry does not mind giving up his life to accompany the gentleman and helping you underwrite the 500,000 bonds. If not, then I am sorry, Commissioner Liu, our bank also needs to assess risks. I cannot do any corruption in such projects that are seriously insufficient in collateral. Please forgive me."

"Your plan is good!" Liu Houfei was also a little shocked when he heard this. Zhou Huimin really dared to climb up the ball. He was just pretending to be angry and cheating them, and he was annoyed when he wanted to force them. As a result, when he found that it was unlikely that he would refuse, he actually made a lot of demands, which was to try to recover the losses. As the saying goes, the losses inside the dike were compensated outside the dike, and gain benefits through a series of other operations to hedge against the risks faced by underwriting bonds.

However, this does not seem to be a great bad thing for the Beining region. If you can get 500,000 yuan in cash, what is this requirement? Although it may offend some other banks, who told you not to give me a loan and hinder my Liu Houfei's "progress"? Therefore, after thinking about it for a while, he still agreed to Zhou Huimin's conditions, which was equivalent to completely binding the Beining region and the Volkswagen Savings Bank.

Of course, Liu Houfei also made a secret plan: the whole area of ​​Beining cooperates with your Volkswagen Savings Bank in this way. If there is still some shortage of funds in the future, you must still beg for alms with your bank. You can't refuse it at that time! As for whether the Volkswagen Savings Bank will realize this, Liu Houfei is inclined to beg for it. There will be a game between the local government and banks in Beining in the future. But that is likely not Liu Houfei's business. At that time, he may have already used a reasonable political achievement to operate and serve in other places. The matter of fighting wits and courage with the Volkswagen Savings Bank is left to the latecomers!
Chapter completed!