"Oh, yes, brother, if you didn't tell me, I almost forgot," Guo Shoucheng patted his forehead when he heard the story of the morning, "After you left this morning, Xiaoting and I watched it here. For most of the afternoon, we found that there was an endless stream of people coming and going in front of the French bank, but there was no one in front of the old Maozi's bank. It was like it was not open for business. .,qв5,”

"Well, then what?" Guo Shouyun asked with a smile.

"About five o'clock, I went down with Xiaoting to watch it," Guo Shoucheng continued, "At that time, the bank's business hours were basically over, but guess what? The French people have the service attitude. It's really good, I can't say it. As soon as we entered the door, a special person came to serve us, nodded and bowed, and even made coffee. When we asked questions, they were absolutely answerable and patient. Good thief. Xiaoting and I spent more than half an hour in it, and the salesperson followed behind with a smile on his face, making us embarrassed for not saving money in the end."

"No," Dongting took out two passbooks from her clothes pocket, threw them on the table, and pouted, "No, my second brother and I opened an account there, and each saved 2,000 rubles. Hey, I was thinking, it would be great if domestic banks could have such a service attitude someday, not to mention the high interest rate on their deposits, this service attitude alone makes us feel comfortable."

"So what?" Guo Shouyun laughed.

"So? What else?" The brothers and sisters said in unison.

"What else?" Guo Shouyun shook his head and said disapprovingly, "Don't you realize that there is any risk in this?"

Looking at each other, the two brothers and sisters shook their heads suspiciously at the same time.

"So I said you must go to study," Guo Shouyun shrugged, and then said solemnly, "Let's simply say, what is a bank? What does it do? What does it depend on to eat?"

"It goes without saying that banks are naturally a place to save money and take loans," Dongting said with a wrinkled nose, "They take deposits from ordinary people, and then lend the money to businessmen who do business. Generally speaking, ordinary people The interest on deposits is much lower than the interest on loans from merchants, and the profit of the bank is the difference between the two.”

"That's right," Guo Shouyun said with a smile, "but what you said is not comprehensive. As a country's state-owned banks, their functions, that is to say, what they have to do is not just as simple as saving and lending. Especially the central bank of a country, such as the People's Bank of China in our country and the central bank of Lao Maozi, their nature is not just a small bank, but in more aspects, they are also responsible for maintaining the stability of a country's financial market All the currency banks, monetary policies, and exchange rate policies of a country are formulated by these banks, and the macro-control of the financial market, the prevention and resolution of financial risks, and the maintenance of the country's financial market stability, etc. Banks of this type are responsible.”

"I know this," Shoucheng said with a frown, "but what does this have to do with the French bank? As far as Xiaoting and I know this afternoon, these foreign-funded banks seem to have a poor scope of activity. They don't even mention that they will affect the normal work of the Lao Maozi Central Bank. They even have limited power to lend to foreign countries. For now, it seems that they can only lend to foreign-funded enterprises. Well, other than that, they It just seems to be…”

"Big brother is right." Before Shoucheng finished speaking, Dongting's eyes suddenly lit up. She clapped her hands and hurriedly said, "These foreigners' banks are really not at ease, they are playing a conspiracy."

"Oh, it seems that little sister has thought of it, tell me, what are these foreigners thinking?" Guo Shouyun said with a smile.

"Hey, big brother, I can't think of what they're thinking, but I feel a little abnormal," Dongting said with a smile, "As I said just now, the existence of this bank is indispensable for a country. In our country, banks are all state-owned, and their profits and losses are borne by the state. But these foreigners are different. According to what the waiter said today, the Industrial Bank opposite us is private. In fact, it is almost the same as us ordinary businessmen. The profit and loss of each business transaction must be borne by themselves, so making money should be their ultimate goal. Don't you think?"

"Of course," Shoucheng apparently hadn't realized anything yet, he nodded in agreement.

"Then doesn't this problem arise?" Dongting gave the second brother a white look and continued, "You think, take the French bank across the street as an example, they are trying to absorb deposits here, the purpose is For what?"

"It goes without saying that it is naturally to save rubles, and then lend and invest." Shoucheng said without hesitation, "otherwise, what else could it be for? To pay the old peasants in vain?"

"Then who did they lend to? Where did the investment go?" Dongting said with a smile.

"That's naturally..." Shoucheng just said these four words, and suddenly realized the problem. He opened his eyes wide, looked at Dongting, and then looked at Guo Shouyun with a smile, and the whole person was stunned.

Yes, today's Soviet Union has not embarked on the path of real reform and opening up like China. Attracting foreign investment and opening the market to foreign businessmen is still a policy to be determined. It can be said that there is no opportunity for foreign investment in the Soviet Union. Under this circumstance, these foreign banks that quietly poured into the Soviet Union have neither lending targets nor investment opportunities. In this way, a very fatal problem arises. No matter what bank you are, you will pay interest on the deposits you receive from depositors. If a bank has absorbed a large amount of deposits, it cannot use these funds flexibly. , then it is not far from death, and correspondingly, the more this savings fund absorbs, the faster the bank will die.

For this, it is impossible for savvy Westerners not to know. Under such circumstances, they are still doing this business that seems to be giving free money to the Soviet people. What is the purpose? Judging from the confrontation between the East and the West in the past few decades, Westerners will never be kind, and there is no doubt that there must be some conspiracy.

"Very good, Shoucheng, look, my little sister is smarter than you," Guo Shouyun said with a smile, looking at his thoughtful brother, "You, in the future, you need to be more comprehensive and meticulous. This is very important for a businessman. It's very important."

"Well, eldest brother, I see," Shoucheng said, casting a stern glance at Dongting, who was winking at her, "However, what is the conspiracy of these Westerners?"

"For this, it is too early to say, but it is foreseeable that the so-called 'humane, democratic socialist' reform of the Soviets is brewing an unprecedented disaster for themselves," Guo Shouyun said with a smile. "As Lenin said, the sum of Soviet power + Prussian railway management system + American technology and trust organization + American national education, etc., etc., etc. = socialism. Great men are great men after all. The conclusion he made is exactly the problem faced by a series of countries, including our country today. Our China's reform and opening up actually benefited from Lenin's words: attaching importance to national education, absorbing Western technology and investment, At the same time, to constantly improve various management systems, the most important and most important thing is to uphold the stability of the core of the socialist regime. However, the old Maozi are different. They went in the wrong order and abandoned the most core issues first. And then the crucial management issue is left behind, so there is no doubt that the end result of their reforms is turmoil, endless turmoil."

"But that's fine. For us, Lao Maozi's national turmoil is a rare opportunity," Shen Shen, Guo Shouyun continued, "Do you know what I'm thinking about now? Saying it can scare you all .Big brother, I plan to fully acquire the Red Star No. 1 and No. 2 steel plants in Blagoveshchensk in the next two years, as well as the Far Eastern Communist Youth League Shipyard. Hahaha... How about it, isn't the big brother's ambition very grand? "

Guo Shouyun's remarks made the two brothers and sisters look at each other. You must know that the Red Star No. 1 and No. 2 steel plants are the two largest state-owned steel groups in the Soviet Far East. Badly, and most importantly, both steel mills belonged to the Soviet military, and they produced high-quality steel that was mainly used in the military industry. As for the Communist Youth League Shipyard, let alone the gunboats currently on Heilongjiang that perform river patrol missions are all produced there.

"Big brother seems really drunk." The brothers and sisters looked at each other, and they could see such information in each other's eyes.