Rise of the 1630s South America

Chapter 1824 Beining (Twelve)

The Brazilian Rural Financial Cooperative, which was originally well-known in the Brazilian plateau, recently had a big event. Of course, this is not a bad thing, but a good thing: On July 1680, 7, La Plata, which ranked fourth in the East Coast Republic of China, The bank and the fifth-ranked Brazilian Rural Financial Cooperative officially announced the merger to establish a brand-new Popular Savings Bank to improve business capabilities.

Both the asset scale and business volume of the merged Public Savings Bank surpassed the Commercial Clearing Bank, ranking third in the country after the Northwest Reclamation Bank and the United Industrial Credit Bank.The Brazilian Rural Financial Cooperative, a notorious financial company that was fooled by the army to issue military tickets during the East-Portuguese War, has finally achieved fruition after years of intensive cultivation in the Brazilian countryside. It has become a business covering savings, credit and import and export settlements. large financial corporations.

Behind the Public Savings Bank, there are two New World Friendship and Mutual Banks and Bank of Taiwan quietly catching up.Because the State Administration of Precious Metals lifted the business restrictions for all banks in one go, policy banks like the New World Friendship and Mutual Bank can also carry out deposit and loan and import and export settlement business, and Taiwan banks no longer have to be subject to loan quotas as before. Restricted, you can operate with confidence.

The main reason for this situation is that after decades of development, these major banks in the East Coast Republic have established a firm foothold in Europe, connected to other people's financial systems, and can easily carry out trade transfer settlement , All kinds of bills issued for customers are gradually accepted and recognized, especially in the Mediterranean region, the reputation and reputation of East Coast Bank are basically second only to Bank of San Giorgio, Bank of San Paulo, Venice Circular Bank, and Bank of Rialto Square (Dongan Company reopened after taking 20% ​​of the shares, which is one of the cooperation projects between Dongan and Venice) and other established financial companies.This has nothing to do with anything else, but the increase in national power and influence on the east coast is the result of years of hard work.

After the merger of the banks, the Popular 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 sites, and naturally it will not be handed over to others at will.And not only will it not be handed over to others, but it will also continue to cultivate Brazil with great efforts, among which Bac Ninh and Hue are the top priorities.

This time, Liu Houfei, commissioner of the Beining District Administrative Office, approached Dazhong Savings Bank, mainly talking about providing long-term low-interest loans for newly established counties and townships and new immigrants, so as to help them stand on their own feet as soon as possible, so as to create wealth and accelerate the economic development of the region. To provide tax revenue for the government, so that he can have political achievements on the face of Liu, so that he can better get away and go to a broader stage to display his abilities.

Today, Zhou Huimin, the acting president of Public Savings Bank, a woman in her forties, came forward to have a detailed discussion with Liu Houfei.In the East Coast Republic, any woman who can climb to such a high position is not easy, either because of her background or ability, and Zhou Huimin is the former.

This woman is the daughter of Zhou Shenwo, a former central boss and member of the executive committee. Her brothers and sisters are either in politics, the army, or business, and they are powerful. She chooses to start her career in "the place where her father fought" , and has been doing it for more than [-] years, and his ability is not bad. He is a key cadre trained by the financial system.

No, after the merger between Banco de la Plata and the Brazilian Rural Financial Cooperative was completed and the Public Savings Bank was officially established, Zhou Huimin parachuted from the position of vice president of the New Continental Friendly and Mutual Bank, and became the third bank in the country. The role of the head of a big bank has completed a first-level leap.

Liu Houfei and her belonged to the second-generation circle. He had heard of this woman's reputation for a long time, so he naturally did not dare to underestimate her. He politely welcomed her into the best office of the district administrative office, accompanied by several assistants and entourages. , and carefully discussed the cooperation plan for the next stage with people from the banking system.

"It's still the same as last time, can you help us operate a special low-interest loan of 50 yuan?" After the meeting and greetings, Liu Houfei immediately cut to the chase and mentioned the main purpose of seeking them this time.

And his purpose of asking the Public Savings Bank to provide them with loans is also very simple. It is to dredge the lower reaches of the Tiet River and use the only tens of kilometers of this river with a huge drop that is suitable for navigating to develop Gaoguo County, Bo The economy of some newly established settlements in Wang County and the north bank of the river—these newly established settlements are: Feiru Township (located near the later town of Itapura, Brazil), Daifang Township (located in the later Oliverama small town Township), Changcen Township (located near the small town of South Santa Fe in later generations), Lejiu Township (located near the small town of Fernandopolis in later generations), Gaoxian Township (located near the small town of Britama in later generations), Changli Township (located in near the city of Sao Jose de Preto), Bintu Township (located near the small town of Catandua in later generations), Anshi Township (located near the small town of New Horizonte in later generations), Wangping Township (located in the later generations of Ibitín Jia Township), Lelang Township (located near the small town of Matang in later generations), Baodai Township (located near the small town of Jabotikabar in later generations), Zhuolu Township (located near the small town of Barretus in later generations), Panquan Township ( Located near the small town of Guaira in later generations), there are a total of thirteen settlements, but there are not many people in each point, adding up to more than 2 people. The economy is dominated by logging and agriculture and animal husbandry, which is lacklustre.

But even so, Liu Houfei's determination to develop the lower reaches of the Tiet River is obvious. The reason is that the traffic conditions here are acceptable. There is no "eighteen bends on the mountain road" like the one from Beining to Changshun. Usually there are People and animals fall into the valley, not to mention when it rains and mud is impassable.Therefore, the North Ning area, where it is extremely difficult to move eastward, can only set its goal as westward. This can be seen from the fact that in recent years, the regional administration has allocated more hard-won immigration quotas to the west near the Paraná River Basin. I was disgusted by the Brazilian Shield in the east of Beining County, so I had to change my mind.

Considering that in recent years, the Ministry of Communications has vigorously dredged the waterway of the Paraná River and invested in the construction of multiple locks. In the future, the navigable capacity of the Paraná River will definitely be greatly enhanced, and the ability to communicate with the outside world will also increase year-on-year. Therefore, dredging It is the right time to develop the local economy in the Tiete River waterway.

"A loan of 50 yuan is not a small amount, Commissioner Liu." Zhou Huimin, the president of the Public Savings Bank, turned the pen helplessly, and said with a wry smile: "You know, our bank has recently been restructured. The ability is not very strong. At present, the international trade settlement business is more profitable, but it is also facing strong challenges from commercial settlement banks, and has lost a lot of market share. The original agricultural loans of the Brazilian Rural Financial Cooperative It is too fragmented, and it is mainly low interest and long-term, which cannot bring too much benefit to our bank. Therefore, if the regional administrative office cannot provide convincing guarantees or collaterals, then we may not dare to lend money Yes, it’s not that we are unreasonable, it’s just that the bank has internal regulations, and I can’t break the rules at will.”

"I can't get a loan, so what about issuing bonds? You can help us issue 50 yuan of bonds. If you can't sell them, your bank will eat the rest, how about that?" Liu Houfei immediately retreated to the next best option and chose a plan that was easier for them to accept, but it was only a little bit.

"Commissioner Liu, this doesn't seem to be much different from asking for a loan." Zhou Huimin laughed immediately when she heard this, and only heard her say: "Issuing bonds is not impossible, even for the sake of our many years of cooperation, we can use a very low The fee to help you issue, but the balance is underwritten. To be honest, we don’t have much sense of security. Let me ask, Commissioner Liu, have you done calculations? Can we get back the principal and interest?"

"It may take more than 30 years." Liu Houfei said with some embarrassment: "But the account is not calculated in this way. After the canal is dredged, it may take a long time to pay back the cost (maybe more than 30 years), but if you consider For other benefits brought about by the economic activity on both sides of the strait, the time period for paying back the capital can be greatly shortened this time, maybe it can be paid back in as little as 20 years, and I’m talking about the capital with interest.”

"But this is only the income of your local government. What does it have to do with our Public Savings Bank? What we can see is that the card charges on the canal can be used as collateral, but it is not enough. Is it possible that you can also use the canal Will the financial revenue of several counties tens of kilometers across the Taiwan Strait be mortgaged to us? No, no, Commissioner Liu, those counties may not be able to make ends meet in the first few years. If they really mortgage part of their revenue to us, they will not jump up! This kind of trouble has always been avoided by our bank, because it will involve a lot of energy."

"It doesn't work and that doesn't work. Are you still the bank of the Brazilian people? Believe it or not, as long as I say a word, all government agencies, enterprises and institutions in the Beining area will not open common accounts in your bank tomorrow, and the people will try not to use you. Bank deposits? You keep saying that you want to help the development of Brazil, but when the Brazilian people need you, you push back and hold back, what's wrong with that!" Liu Houfei was a little angry all of a sudden, and said rather bachelorly.

Zhou Huimin has been working for so many years, and both her boss and her subordinates speak kindly. It is not uncommon for Liu Houfei, who is relatively bachelor and strong, to meet, but there are really not many, so he was a little speechless for a while.The threat is real, and what they said is correct. The Savings Bank of the People’s Bank of Brazil cannot abandon the Brazilian rural market that has been cultivated for many years. Places like Beining have a large business volume and a large number of customers. No matter what Liu Houfei said Is it true or not, but one thing is for sure: that is, once people start to be ruthless, it can completely make it difficult for the Public Savings Bank to carry out business in Beining, and then be eaten up by competitors.

Therefore, after much consideration, she still replied helplessly: "Commissioner Liu, business is not the way you talk about it. It's difficult for us to blow your beard and stare at you all the time. How about this, 50 It is not impossible to issue yuan canal bonds, but we also have a condition, that is, the 50 yuan must be stored in a special account of our public savings bank, and part of it will be withdrawn when it is used, and put in it when it is not in use. In addition, starting next year The salaries and fiscal revenues of governments at all levels in the Bac Ninh area should also be transferred in the common accounts of our Public Savings Bank. At the same time, administrative orders are required to require civil servants at all levels and local enterprises to deposit their deposits in the Public Savings Bank as much as possible. How about? If Commissioner Liu can agree to this condition, then our industry would not mind giving up his life to help you underwrite the 50 yuan bond. If not, then sorry, Commissioner Liu, our bank also needs to evaluate risks internally. For a project with serious shortage of collateral like this, I can't break the rules and accommodate you, please forgive me."

"You guys have a good plan!" Liu Houfei was also a little shocked when he heard it. Zhou Huimin really dared to climb up the ladder. She just pretended to be angry and tricked them. When it was found that it was unlikely to be rejected, a lot of demands were made. This is to recover the losses as much as possible. The so-called compensation for losses within the dike is to obtain benefits through a series of other operations to hedge the risks faced by underwriting bonds.

However, this doesn't seem to be a bad thing for the Beining area. If you can get 50 yuan in cash, what is such a small request?Although it may offend some other banks, who told you not to give me a loan and hinder my "progress" Liu Houfei?Therefore, after much consideration, he still agreed to Zhou Huimin's conditions, which was tantamount to completely binding the Beining area with the Public Savings Bank.

Of course, Liu Houfei also made a secret calculation: the Beining area has cooperated with your public savings bank so much. If there is still some shortage of funds in the future, it is necessary to ask your bank for alms. At that time, I can’t refuse it. !As for whether the Public Savings Bank will be aware of this, Liu Houfei tends to be clear about them, and there will still be a game between the Beining local government and the bank in the future.But that probably wasn't Liu Houfei's business. At that time, he probably had passed a passable political performance, and he was transferred to other places to work in other places. Come on!

In the afternoon of the same day, Zhou Huimin, the president of the Public Savings Bank, signed an underwriting agreement with the Beining District Administrative Office for the canal bond of 50 yuan. After collecting a certain fee, they planned to issue and promote it in the two major bond markets of Qingdao and West Lake.

(End of this chapter)