Coquettish Rebirth

( ) Lend money to the bank?Why does this sound like a fantasy?It may be a fantasy in China, but it is not considered a foreign country.We must know that the domestic deposit rate is quite high, so basically banks do not need to find anyone to borrow money. Moreover, in this era, the domestic banking industry has not yet been financialized, investment banking, and has not started to play various leverages.It takes a lot of money to play with leverage. For example, in the 21st century, Chinese banks began to play with various financial derivatives and leverage, just to make money with money. trick.In this way, the original deposits are to be taken out and brought to the industry. The emergence of the bank is a service industry for the industry, which is to allocate social funds to the capital-intensive industries. However, when the bank plays by itself After being very happy, they suddenly discovered that taking deposits and bringing them to the industry, relying on earning an interest difference is completely a labor-intensive effort, and they can't make much money!And taking deposits to make various investments and various financial derivatives, although the risk is higher, the benefits are large enough!

So in later generations, people can often find that real estate is booming, but industries want to develop, but they can't borrow much money!There are even financial companies of various financial brokers appearing one after another. When a company can't borrow money from the bank, but can borrow money from the financial company, and the result has to pay higher interest to the financial company, it is natural for people in business There will be less, especially after 08 when the world's economic situation is not very good, and the demand and orders around the world have decreased a lot. At this time, if you want to exchange money from a financial company with high interest rates, it is really better not to do it up. ..

It is difficult to get loans in China these days.It's not that the banks are unwilling to lend, or that the banks are using their money for leverage. It's that the reforms haven't changed much in these years, and the banks still have the mentality of a grandpa or a state-owned enterprise. It's ugly and difficult to handle.Anyway, the power of approval and lending is in the hands of those few people. If it is not a large state-owned enterprise that wants a loan, then if you want to lend to a private company, of course you must first lend to your relatives, and then ask your relatives to lend to you. that company.Then your own family can also earn an interest!

But this is not the case with foreign banks in this era.In this era, Citibank is not the world's number one investment bank, and they have not yet merged with Travelers Group.However, Citibank itself is an important component of Citigroup, and what Citigroup itself does is various investment and financial leverage.

to be honest.That is because the stock market and futures market in Bolivia are not that big.All kinds of securities companies are not eye-catching.Jia Hongjian expected to invest funds in these companies, it would be better to temporarily lend the funds to Citigroup!

So, yes.Jia Hongjian just wants to copy the domestic model for Changhong, that is to say, the market competition is carried out at a low price here, and the other side is to lend small money to financial institutions, relying on the interest given by the financial institutions. As a supplement to profits!

Fernandez was a little dumbfounded at this time. To be honest, the Santa Cruz branch of Citibank does not have much power to do this kind of thing of absorbing funds and playing leverage. Headquarters approved.Although he thought Jia Hongjian was an idiot before and wanted to laugh at Jia Hongjian, but thinking of Jia Hongjian's ability to easily say that the Citi headquarters did things according to Jia Hongjian's wishes, Fernandez was scared.

"Mr. Jia, I don't have enough experience in the whole county for this matter. Do you think you should contact our head office?" Fernandez said to Jia Hongjian with a face that looked like he was about to cry.That's right, facing Jia Hongjian now, he no longer dared to put on the noble and glamorous expression of the manager of the most profitable department of a large multinational bank!For him, Jia Hongjian's background was too mysterious, and he could even deal with the senior management of Citibank, so for this kind of uncle, obviously it was better not to provoke him.

Here, Jia Hongjian immediately began to write letters to the senior management of Citigroup, and also contacted Donna, the ambassador of the US embassy in Bolivia, to help.Of course Donna is willing to do this kind of thing. Her ambassador is currently in the unknown Bolivia, but tomorrow she might be able to go to places like Japan and China, and after she leaves office, she might be able to rely on Political qualifications to run for President of the United States!And this helps Bolivian coca farmers earn more money, so that they don't continue to slip into the situation of coca cultivation. This is definitely an achievement in the United States!

After asking Mrs. Donna to help with persuasion here, Jia Hongjian started another process of persuasion on the other side.Jia Hongjian had investigated before, and in Bolivia, there are about 4 banana farms producing bananas to Argentina, but their bananas are all yellow bananas.Jia Hongjian is now looking for these four to talk about things, and even besides these four, Jia Hongjian also found five or six fruit merchants who export various fruits to Argentina.These fruit merchants are actually the farmers of various large farms in Bolivia.

When nearly ten farmers came to Santa Cruz, Jia Hongjian brought people to meet them, and he was surprised that these farmers were all white!According to what Jia Hongjian saw in Bolivia, Indians are the mainstream crowd here.Even according to Juan'er's explanation, there are about 54% of Indians here, about 31% of Indo-European mixed blood, and the remaining 15% are purebred whites. How can such a large farmer be able to export Fruit farmers, all white?

Immediately, Jia Hongjian thought of the legendary South Africa. It is said that many farmers in South Africa were white, and they were very impressive.As a result, when Mandela came to power, he said that he wanted to end apartheid and long live the blacks, so the blacks felt that they were robbing the class and power, so they smashed and robbed the whites, and then the whites ran away. But they don't know how to grow food, and they can't grow it well. As a result, South Africa's national strength is getting worse and worse within a few years...

Of course, this is a bit too far-fetched, but looking at the situation here, I think it is because it is similar to that in Africa. Apart from the racial differences, the main reason is that the surprise of education is the same as in many situations in China. People in the upper class are better at educating their children, making it easier for them to learn how to use and allocate resources, and how to make plans, so their children have a higher chance of becoming talents, and because people at the bottom just don’t know how to use resources effectively, they may be in the clear. When I had student loans, I didn't even know there was such a thing, and the result was that my child had no money to go to college even though he was admitted to college!Then the kid denied the chance to go to college and can only hope that his children will go to college.

Probably Bolivia also has this kind of problem, like Juan'er herself, who grew up miserable, and later became a soldier and did all kinds of jobs, but she just couldn't get ahead. If she hadn't entered politics later, she probably He is still a coca farmer now!And because of the colonists, the white people are at least relatively in place in terms of knowledge inheritance. When the children of the white people grow up and run farms, it is of course easier to succeed than the farms made by Indians with little culture!

"Hey, what do you want us to do?" Suddenly a fat white man asked.This white man had a cigar in his mouth, was wearing denim overalls for working on a farm, and an American cowboy hat on his head. "Red neck" because this group of people have to bend over to do farm work all day long like the Chinese "mud legs". Because they wear clothes but can't protect their necks, their necks are red from the sun, which is red necks!However, Chinese farmers have to grow rice in the paddy fields all the time. When they come out, their feet are naturally covered with mud. What is it if they are not mud legs?

"Hi everyone, I am one of the partners of the Inca banana plantation in the Chapare jungle. I invite you here today to discuss a big business!" Jia Hongjian said, "The big business is that every year we sell One-third of the profits from the bananas I went to can be distributed to everyone for free..."

What?When they heard Juan's translation of Jia Hongjian's words, they were all dumbfounded!What does it mean?Is this man out of his mind?He said just now that he wanted to distribute the money to everyone for free?Or profit?Is this a joke?What do you mean?Many people were suspicious and doubtful at this time, but the fat man who was smoking a cigar and questioning Jia Hongjian raised his eyebrows and said, "Giving money for nothing? I'll ask you first." Well, if any of you don’t want it, then I’ll accept it first, haha, it’s a miracle of God that you can still collect money for nothing these days..."

Hearing the fat man's words, Jia Hongjian smiled faintly. After glancing at the other suspicious farmers, he turned his head and said to the white-skinned fat man, "Who said I gave it away for free? But you want to get these three One-third of the profit is very easy, you only need to do one thing, and that is to put our Inca brand on the fruits you produce!"

What?Let them put the brand of Inca on the fruit they produce?Then they don't have their own brand?Well, more than half of them don't have their own brands, and they are sold to fruit merchants in Buenos Aires and left behind.But what is the meaning of this brand of Inca?I always feel that there is some conspiracy behind this!

In fact, not only these farmers, but even Juan Morales looked at Jia Hongjian in shock at this moment. He had no idea what Jia Hongjian meant! (To be continued.)