My Realistic Simulation Game

Chapter 228 Western Banks, The Harvest Begins

The wheels rolled over the smooth pavement of Moscow's financial district and finally came to a stop in front of a magnificent glass-walled building.

"Qin Yuan, this is Financial Street, also known as the Ten Nations Bank Street."

Elena, sitting next to Qin Yuan, pointed out the car window and introduced, "That's Citibank, currently the largest foreign bank in Moscow. They're known for their bold and adventurous approach."

Qin Yuan pushed open the car door and got out, glancing up at the golden signboard.

Of course he knew about Citibank.

When he first came to this financial street six months ago, there were only a dozen or so banks.

Now, in a short period of time, it has expanded to thirty-seven companies.

He knew even better that after the dramatic changes at the end of the year, this number would continue to grow like a colony of bacteria.

Every bank that is currently located here will make a fortune in this unprecedented feast.

Among them, the one that profits the most and uses the most ruthless methods is none other than the American Citibank in front of us.

Later generations have said that the family embezzled the equivalent of one trillion rubles.

After the collapse of the Soviet Union, they did not hesitate to refuse to pay depositors interest and quickly withdrew, leaving behind a scene of devastation and despair.

Looking at Qin Yuan, Elena couldn't suppress her curiosity: "Wasn't the investment in the new Volga plant entirely handled by the Far East International Bank? What are we here for?"

Qin Yuan withdrew his gaze and said calmly, "Only two or three families came to test the waters in the early stages, which is not enough. Instead of waiting for them to come to us, we should take the initiative."

"After all, I'm really short of money."

"You? Short of money?" Elena's delicate eyebrows furrowed.

Although Natasha and Yi Xiaodi were managing the accounts for Far East Trade.

However, as a core member who was deeply involved in it.

She was all too aware of the staggering amount of cash flow currently sitting on the Far East Trade books.

Not to mention the huge sum of two hundred million US dollars that had just been transferred from China.

With such substantial capital, even if the new Volga plant were a money-devouring beast, it would never have made Qin Yuan so eager to personally borrow money from a foreign bank.

Moreover, Far Eastern International Bank is about to open.

Then there will be a steady stream of funds, so there will be no need to borrow money here.

However, Qin Yuan did not offer any explanation.

After all, Elena had no idea that her homeland would soon fall apart.

The ruble is about to become less than worthless.

If not now, when will we get the chance to take advantage of these Western vultures sharpening their knives and "borrow" a fortune from them?

He walked straight into Citibank.

The clerk behind the counter first noticed the distinguished Qin Yuan, but her gaze was immediately drawn to Elena, who had a cool and stunning appearance, standing beside him.

They immediately realized this was no ordinary customer, and their faces instantly lit up with professional, enthusiastic smiles.

"Sir/Madam, are you here to make a deposit or exchange currency?"

“We at Citibank offer an annualized deposit rate of 7.8%, which provides stable returns and effectively hedges against the risk of ruble depreciation.”

"We have ample US dollar reserves, and the exchange rate is strictly in accordance with the official pricing..." The counter staff member explained to Qin Yuan with a smile on his face.

"stop."

Qin Yuan raised his hand, decisively interrupting the other party's sales pitch, and said directly, "I'm here at Citibank for a loan."

"Loan?" The female teller's smile froze instantly, her eyes filled with astonishment.

These days, it's unbelievable that someone would actually come to a foreign bank to apply for a loan?

Who doesn't know that loan approvals are now stringent, procedures are cumbersome, and interest rates are shockingly high?

"What? Your Citibank has such a big storefront, but you don't have a loan business?" Qin Yuan's tone remained calm.

"No, no, we do have them, but..." The female clerk was somewhat incoherent.

Qin Yuan had no interest in listening to her stutter and said directly, "Call out your general manager or bank president. You probably don't have the authority to handle my business."

A hint of embarrassment flashed across the female teller's face as she said in a low voice, "Sir, we mainly offer mortgage loan services at the moment. I need to know what you intend to mortgage before I can consult with my supervisor..."

Qin Yuan didn't waste any more time with her. He took a thick document from Elena and casually tossed it onto the gleaming counter: "What I need to mortgage is the Far East Group."

He looked up, his gaze calm as he looked at the other person: "Is this collateral sufficient?"

Far East Group?

The bank teller's mouth dropped open. Could this young man be the legendary Chinese businessman "Qin," who supposedly wielded immense influence in Moscow?!
Even though she was just a small clerk, she deeply understood what names like "Far East Trade," "Auto Union," "Jeanswest," and "Far East Kvass" meant.

Not to mention the "1.5 billion dollar Volga plant" plan that recently dominated the front pages of all newspapers!
In addition, the Far Eastern International Bank was established.

This Mr. Qin actually wants to take out a loan from their bank?

"Mr. Qin, please wait a moment, I'll go report right away." The bank teller's voice trembled as he grabbed the internal phone and practically ran towards the back office.

A short while later, Williams, the branch manager stationed in Moscow, arrived before Qin Yuan with a mixture of shock, hesitation, and eagerness.

He quickly flipped through the documents Qin Yuan had brought, which included Far East Group's financial statements, credit ratings, detailed trade data, and all the companies associated with it.

The more Williams looked through the pages, the more shocked he became.

This document reveals that the Far East Group's reach, its deep roots, and its strong profitability are far greater and more terrifying than outside rumors suggest!
Its businesses in China, including its stakes in Auto Union, Chery, and the AvtoVAZ plant, are all incredibly valuable.

He hadn't expected that the person he had been talking about just a few days ago would appear right in front of him now.

What exactly is Qin Yuan plotting?
What is Qin Yuan's purpose in coming to Citibank at this moment?
Is it just for the loan?
His professional vigilance made him hesitate.

But he couldn't refuse, nor could he resist such a great temptation.

He suppressed his excitement and cautiously asked, "Mr. Qin, I have a question. Your group's business is doing very well, and the overall debt ratio is not high. I don't understand why you would use the entire Far East Group as collateral for a loan?"

Qin Yuan sat on the sofa, crossed his legs, and said calmly, "Mr. Williams, capital is never satisfied with the status quo."

"If you have carefully studied the recent moves of the Far East Group, you will not have this question."

He made no secret of his ambition: "I want to expand, to expand on a massive scale."

"As you can see, the Soviet Union today is full of gold."

"If I don't seize this historic opportunity with all my might, wouldn't I be letting this era down?"

(End of this chapter)