With the continuous development of the economy, a unique financial street has gradually formed around the Vienna Stock Exchange Center.
There are one-third of the banks in the Holy Roman Empire, forty-five percent of the securities companies, and many other financial companies.
It can be said that all financial companies with a bit of strength have set up their bases here. The strong one owns a building.
Of course, there are few who are powerful anywhere. Being able to own an office building in the financial world where land is expensive is not something ordinary companies can do even if it is leased.
It's not just about money. There are a lot of rich people here, everyone knows the details of each other, and pretending to be a fool will turn into a fool.
With an uneasy mood, Abba Burnell walked quickly into the Newfoundland Building and rushed to the Appel Commercial Bank where he worked.
As an old-fashioned commercial bank in the German region, Appel Commercial Bank not only failed to keep up with the development of the times due to its poor management, but also deteriorated under the impact of competitors.
Especially in the stock market crash a year ago, Appel Commercial Bank had a large number of bad debts on its books due to misjudgment.
Appel Commercial Bank, which was on the verge of bankruptcy, changed hands quietly and without interest. As a new employee after the bank's change of ownership, Aba Burnell, who has just stepped into society, has been "valued" by his boss from the very beginning.
It's just that Abba Burnell doesn't want this kind of "respect" at all. Loans to the Spanish government are irritating to think about.
It's not that Abba Burnell is underestimating himself, it's just that Appel's commercial bank has limited strength. The loan of "70 million" Aegis was less than half of the Appel Commercial Bank.
Draining funds is clearly impossible, and the regulators of the Vienna government are no idiots. This kind of stupidity, which could trigger a run, is sure to invite interference.
Not only did it not work, but the daunting task fell to Abba Burnell by personally explaining the risks to his boss.
According to the boss's statement: "The daring will die, and the timid will starve to death." If one family can’t handle it, then find someone to join forces to do it together.
Originally, Abba Burnell thought that to find someone to join forces was to find a few peers to form a banking group. If this is the case, although the risk is a little bigger, it is not impossible for multiple banks to share it together.
It soon became apparent to Abba Burnell that this was not the case. Appel Commercial Bank was not listed in the syndicate of lenders to the West, but the loan still existed.
This means that the 70 million Aegis commercial loan they are undertaking now is not the same loan that the Vienna government and the Spaniards finalized.
High-risk international loans, no government involvement, no strong mainstream banks involved, Aba Burnell very much suspects is a joke.
Reality told him it was true. This loan does exist, and the alliance with Appel Commercial Bank is not a well-known big bank, but some small loan companies that have never heard of it.
How can these shameless guys come up with so much money? Abba Burnell is very suspicious that the boss has been deceived.
…
"Abba Burnell, have you signed the contract with Espanyol?"
As soon as he entered the door, before he had time to catch his breath, Abba Burnell was greeted by a question from his boss.
Such an important business loan is handed over to a newcomer like him, and he is drunk when he thinks about it.
According to the bank's internal staff, Aba Burnell is the illegitimate son of the current president and boss. Otherwise, this kind of business with rich commissions would not be his turn at all.
If it weren't for the big difference in appearance, and if he was sure that he was biological, Aba Burnell would also have some doubts.
"Not yet, Mr. Adler. The Spaniards have put forward new conditions, they demand that the loan cannot be less than ten percent in the first week after the contract is signed.
This is a big thing, and I dare not make my own decisions. I agreed with the Spaniards to negotiate this issue again tomorrow afternoon. "
Doubts are doubts, Aba Burnell still respects his Bole very much. Even if he suspected that the loan might have been approved by Adler after his brain was flooded, Abba Burnell did not insist on objecting.
Perhaps there are still unseen benefits here. When playing with finance, it is always necessary to deal with various forces. Sometimes it is completely normal to make a few loss-making transactions for secret interests.
Adler frowned slightly, and quickly relaxed: "Well, you did a good job. This kind of thing is really not suitable for you to decide.
Tell the Spaniards that there is too much time to lend in a week. This huge loan has never been so fast.
In order to reduce risks, we must prevent the Spanish government from misusing loans, and supervision is inevitable.
The bottom line is that the initial loan amount cannot exceed 3 million Aegis, and the weekly loan amount thereafter does not exceed 500,000 Aegis.
It's up to you to do the rest, and try to fight for the bank's interests as much as possible. "
Obviously, Adler's heart is not so calm on the surface. Especially after hearing the request of the Spaniards to release one-tenth of the loan in the first week, his heartbeat accelerated.
It's just that Adler concealed it too well, and Abba Burnell respected him too much and didn't find it in time.
"Mr. Adler, the Spaniards have reached an agreement with the government and obtained a commercial loan of 70 million Aegis, and now we will..."
Before Aba Burnell could finish speaking, Adler interrupted: "Aba Burnell, you are still too young.
Although the Philippine War is over, there are still hundreds of thousands of rebels on the island, waiting for the Spaniards to annihilate them; now that the Cuban rebellion has broken out again, there may still be changes in Morocco.
So many problems have come together, which is obviously the result of the intervention of international forces. I don't know if Spain will win the war, but I'm sure 70 million Aegis will not be enough.
If it wasn't for a real shortage of money, the Spanish government would not have borrowed from us. Although the risk is a little bigger, the reward is also rich enough!
What's more, we are more just leading the way, and it is the small loan companies who really want to pay. Even if the loan goes wrong, our losses will be limited. "
I feel that there is a problem, but I don't know where the problem is. The confused Abba Burnell nodded habitually.
After sending Aba Burnell, Adler sighed deeply and sighed to himself that "people's hearts are not ancient".
At this time, he had to be thankful that he did not hand over the business to the old fritters in the bank. Young people who have just left the school can find the problem. If it falls into the hands of the old fritters, maybe now he has to go to the supervision department to drink coffee.
Don't doubt everyone's enthusiasm for reporting. According to the regulations of the Vienna government, if you successfully report a commercial loan with serious violations, you will receive a minimum reward of not less than one-tenth of the total loan amount.
Seven million Aegis is enough to drive anyone crazy. You must know that Appel Commercial Bank is not worth seven million. How can one miss the opportunity to get rich
Of course, Adler also has to be prepared. Even if someone reported it, the big deal is that the loan is not taken out, and there is no problem in taking it out.
The loan violation is true, but the violation is not in the Appel Commercial Bank, but in the small loan company behind it.
There is no connection between the two sides on the surface. Even if there is a problem, Adler is only suspected, and cannot be convicted. Banks are not the police and have no obligation to trace the source of investors' funds.
Picked up the handset and dialed the phone. Adler said indifferently: "The Spaniards seem to have sensed something, you must speed up now.
I will sign the contract with Espanyol as soon as possible and if the momentum is not right then..."
Before Adler could finish speaking, the other end of the phone interrupted: "Don't worry, Adler. I'm not a fool. The law of the Vienna government does not stipulate that investment companies cannot raise funds overseas.
Even if the regulatory authorities find out, they will not be able to convict us. You will not be involved in this matter. As long as the Spanish government does not breach the contract, the matter will not be involved.
The Spaniards have just reached a loan of 70 million Aegis. In addition to our loan, no matter how profligate the Spanish government is, it will not go bankrupt for a while.
As long as we control the amount of the loan each time, even if the Spaniards find out our purpose, they will pretend to know nothing.
Do this for us, and Appel Merchant Bank is yours. Whether it is to run away with money or continue to operate, that is your business.
Wealth is a risk, you don't dare to take such a risk, right? "
…
When the conversation was over, Rivera didn't feel relieved. For this big plan, he paid a big price.
Not only did he take advantage of a lot of favors, he used all the relationships he could use, and he even risked his own life.
It's not that Rivera wants to take risks. It's just that the losses in the previous stock market crash were so great that he owed a huge amount of foreign debt.
The capital market is cruel, and there are no friends in front of interests. If the debt is not paid, the first person to send him to sacrifice to heaven is a business friend.
Rivera also tried her best to convince the creditor. In fact, it is not convincing either. If you want to recover the debt, you must let Rivera get rich first.
It is easy to go bankrupt, but difficult to get rich. The ways to get rich quick are written in the criminal law, and Rivera can only choose one of them to implement.
After considering it again and again, Rivera still decided to "cheat". This is an ancestral skill, the most skilled and best trick.
With the help of previous contacts and creditors, Rivera quickly found a group of like-minded people.
Not only set up a leather bag investment company, a small loan company, but even acquired an Appel commercial bank that was on the verge of bankruptcy.
Originally, Rivera was going to find the Russians. After all, the tsarist government was corrupt enough. By bribing a few officials to cooperate, the plan could be carried out perfectly.
It is a pity that the Russians have such a bad reputation that they cannot fool investors.
As the economic crisis continued, and the small European countries continued to go bankrupt, Rivera was desperate for a time, just at this time the Spaniards came out.
Needless to say, it must be caught!
According to the plan, first sign a lucrative contract with the Spanish government, and then take the contract out to fool investors.
Benefit sharing, not afraid of the Spanish government not cooperating. Anyway, once there is a thunderstorm, the lending financial company will go bankrupt and run away.
No matter how high the loan interest is and how harsh the conditions are, the creditors have all run away anyway, and naturally they don't need to pay them back.
…
Throughout April, the Vienna government newspapers were swept up by two events. One is the National Day military parade, and the other is two "70 million" Aegis loans.
The little-known Appel Commercial Bank is also a hit at the moment, and it has become a new star in the banking industry of the Holy Roman Empire.
For commercial banks, being famous is a good thing, which means that more business will come to the door; it is also a troublesome thing, which is easy to attract the attention of the regulatory authorities.
However, Appel Commercial Bank and the Spanish government are cross-border loans, and the procedures are legal on the surface, but the interest is a little higher.
This is the freedom of operation of commercial banks, and people are not afraid of risks themselves, so what else is there to say.
As long as it is within the range of the lending leverage ratio stipulated by the state, and there is no shortage of bank cash flow and obvious credit risk, the regulatory authorities will not intervene.
Along with the bank, there are also investment companies. At this moment, the salesmen are holding the signed contracts and holding investment seminars.
As for the promise to Adler, it is just a joke to raise funds overseas and not to do things in China.
The promise of a liar, if you can believe it, there is no cheating in this world.
…
"The biggest fortune opportunity of this century is here!"
"Understandable applause."
…
"Let's settle an account together. According to the contract signed with the Spanish government, the handling fee is 12%, then:
7000*(1-12%)=61.6 million
Calculated at an annual interest rate of 11.2%, the principal and interest will be repaid in 30 years. We can deduct the first batch of:
67.48*12=8.7724 million
6160-877.24=52,827,600
That is to say, for a loan of 70 million, the actual amount we need to pay is 52.8276 million, and the actual interest rate has reached 16.6%. "
"Is that all there is to it?"
"No, we can also set the direction of the use of the loan. For example, the Spanish government cannot refuse the products of certain domestic companies in the back, as long as they do not exceed the market price.
This means that we still have an intermediary fee to earn, 10% for civilian materials and 30% for weapons and ammunition, which is not excessive, right? "
"Comprehensive calculation of 20% is good, 5286.76*0.2=10,565,520, rounding off the fraction, and the intermediary fee is 10,560,000."
"When we got here, in fact, for the loan of 70 million Aegis, we have paid back nearly 37%, and the return on investment has risen to..."