Chapter 100 Opening a Bank (Revised)...

Sometimes He Changyi really wanted to go down with the bank in Russia.

Especially when she urgently needed to pay her business partners, but the bank withheld her money for all sorts of outrageous reasons.

It's as if she's not paying from her own account, but attempting to steal from the national treasury.

Who would believe that a customer needs to request bank approval to transfer money to a supplier, and if the bank rejects the request, she doesn't even have the right to use her own money as she pleases.

He Changyi slammed the microphone back onto the landline and said unhappily, "I'm going to withdraw all my savings from the bank. From now on, I'd rather send someone with cash to other places to make transactions than give money to these greedy guys again."

The newly hired accountant, Ms. Tajiyana, is very experienced; she has spent most of her life dealing with banks. Upon hearing this, she reassured everyone:

"Don't worry, boss. Let me visit the counter and the office. Perhaps it's just a small misunderstanding. After all, our cooperation has been quite pleasant before."

He Changyi got up, grabbed her coat, and walked out of the office first. "I'll go with you."

Ms. Tajiyana said, "Please wait a moment while I prepare."

She hurried back to the finance office, took out a large, opaque bag from her desk, and skillfully stuffed it with sausages, chocolates, and canned goods from the coal miners' homes until she could fit no more in.

Ms. Tatyana struggled to carry the huge bag out, and her bodyguard, Lev, took the bag from her and casually weighed it in his hand.

"Wow, this is much heavier than last time. They're a pack of hungry jackals."

Lev often accompanied Ms. Tatyana to the bank to deposit and withdraw money, and was quite familiar with the practices of the Oros Bank.

Ms. Tagyan shrugged and said quietly, “Even if the alliance breaks up ten thousand times, the state-owned banks won’t get any better. In my opinion, our country’s tradition isn’t just about vodka and birch trees, but also about ubiquitous bribery, and the latter is the real issue.”

Lev almost choked. He quickly lowered his head, put the bag in the trunk, and went around to the other side to get into the car.

On the way to the bank, He Changyi asked Ms. Tajiyana, "How much money do we still have in the bank?"

Without hesitation, Ms. Tatyana replied, "Less than two hundred million rubles."

He Changyi did the calculations and, based on the current exchange rate, it was about $150,000, which was alright, not too much.

After his first encounter with the Eros Bank, He Changyi resolved to avoid any further contact with these legal bandits.

At the time, she was inexperienced and lacked knowledge about local banks. She mistakenly thought they were similar to banks in China, so she rashly brought a bag of cash to the bank, hoping to deposit the money and prevent thieves and rats from contaminating the banknotes.

Behind the tall wooden counter, the Russian clerk casually crossed his legs and read a newspaper. Upon hearing He Changyi's request, he only uttered one sentence:

"Where did you get so many rubles? Is this a crime? Did you pay taxes?"

He Changyi: ...

She was just there to make a deposit, why was she being questioned by fake police officers?!

After that, every time He Changyi had to go to the bank to conduct business, she had to feed the teller first. As her business grew larger and the amounts involved increased, the number of people she needed to feed also increased.

They were acquaintances, but they weren't polite at all when it came to asking for money.

Therefore, He Changyi almost always conducts transactions in cash, and only uses bank transfers when he has no other choice but to pay out-of-town business partners.

Sometimes, for a single remittance, her accountant, Ms. Tagyana, would spend almost the entire day at the bank, visiting every counter and delivering gifts to every office.

Even if you try your best to avoid banks, you can still get stabbed unexpectedly.

The group arrived at the Vladimir City Bank, where Ms. Tatyana skillfully approached the counter, presented double the gifts, and pleaded with the bank to be lenient on this pre-holiday holiday and process the remittance.

A man with a mustache said in a drawn-out tone, "You know, this is the pre-holiday break."

Ms. Tagyanna pleaded, “But we can still do business today, can’t we? Please, this is really important to us.”

She placed the sausages and chocolates on the table and gestured suggestively towards the opposite side.

The man with the mustache didn't even glance at it, casually tossing it aside, and said impatiently, "You can come back on Monday. No one will be handling business today."

Ms. Tagyana was about to say something more when someone from the next office pushed open the door and peeked in, saying, "Hey, you really have to try this! The new flavor of lamb and carrot canned food is really good!"

After he finished speaking, he saw Ms. Tagyana and said to her warmly, "The Jong-guk canned food you brought is really good!"

The man with the mustache stood up, eager to sample the Zhongguo canned food, but before leaving, he said, "Go on, you're disturbing our work."

Ms. Tajiyana was stunned, not expecting the other party to be so shameless.

Those canned goods were the gift she brought over!

Just then, a sudden sound of slamming on the table caught their attention.

He Changyi, who hadn't uttered a word since entering the room, stared at the man with the mustache and slowly lifted his hand off the table.

In her hand was a rather thick envelope.

The man with the mustache raised his eyebrows, paused, and then sat back down in his seat.

He took the envelope, spread it open with two fingers, quickly glanced inside, and immediately smiled.

He Changyi asked him, "Can you process our remittance now?"

The man with the mustache rolled his eyes, then said, feigning modesty:

"I think it would be even better if there were one more envelope."

As He Changyi walked out of the bank, she finally couldn't hold back and roared out:

"Sukabuleh!!!"

She'd rather face a hundred armed robbers on a train than deal with those bank vampires again!

Lev looked at Ms. Tatyana questioningly, but she simply shook her head and shrugged in resignation.

Lev then understood.

Well, it seems local banks are as greedy as ever.

On the way back, He Changyi suddenly asked Ms. Tajiyana, "I remember that Russia now allows private individuals to start banks."

Ms. Tagyana, understanding the implied meaning, hesitated for a moment before saying, "But this will be very troublesome..."

He Changyi said decisively, "Even if it's troublesome, it's better than having to deal with the bank's attitude. At least I don't have to apply for bank approval when I don't need to spend my own money."

They opened a bank just like that.

Russia recently relaxed its financial regulations, allowing the establishment of non-state-owned banks with very low entry barriers, no restrictions on foreign investment, and a minimum registered capital of only 500,000 rubles.

Is a mere 500,000 rubles a big deal for He Changyi?

The only difficulty is needing to establish connections with the central bank to expedite the approval process, so that a bank license can be obtained in the shortest possible time, rather than being trapped in a long and hopeless waiting period.

He Changyi's long-standing connections with people in Moscow came in handy at this time.

There's an old saying that goes, "You can't find the temple gate even if you're carrying a pig's head." Fortunately, He Changyi not only had a pig's head in his hand, but he also knew which way the temple gate opened.

He Changyi obtained a Rosbank license for a mere $30,000.

The lawyer, a familiar face, was in charge of drafting the legal documents. He was thorough and deserved a high salary. The scope of banking services he listed was extremely broad, including credit, foreign exchange, securities, settlement... anything that could make money was included.

However, even with the fast-track approval process, the minimum registered capital still increased from 500,000 rubles to 1 million rubles before obtaining the license.

There's nothing we can do; even if Bolt were born earlier, he still couldn't outrun the rate at which the ruble is depreciating.

Next to the Friendship Store in Vladimir, an inconspicuous plaque hangs at the entrance, which reads: Far Eastern Development Bank.

With his own bank, He Changyi no longer needed to deal with the Bank of Eros.

During one of his undercover visits to a store, He Changyi spotted a familiar face among the bustling customers.

The man with the mustache stood in front of the shelf, torn between two discounted canned goods nearing their expiration date.

On one hand, there's the old-style canned food at a 30% discount, and on the other hand, there's the new-style canned food at a 10% discount. The production dates of the two are three months apart. Which one is the cheaper and more cost-effective?

The man with the mustache hesitated for a moment, when someone bumped into him with their shoulder, grabbed the 30% off canned food, and waved happily to someone nearby: "Come quick, I got the cheapest canned food!"

The man with the mustache jumped up and down in frustration, shouting repeatedly, "Hey, I was here first!"

No one paid him any attention. He was even jostled by the crowd that surged forward after hearing "discounted canned goods," and almost fell to the ground.

The man with the mustache finally managed to stand up, and when he looked up, he saw He Changyi staring at him with a smile.

"Miss He!"

The man with the mustache rushed over enthusiastically, his face beaming, and said in an unusually polite tone:

"It's been a long time since we've seen you and your accountant, Ms. Tagyana, at the bank. How have you been? We all miss you! Why aren't you doing any business at the bank anymore? I heard you've even withdrawn all your savings..."

He Changyi said cheerfully, "Thank you for your concern, I've been doing quite well lately. As for why I haven't been to your bank—"

She said kindly, "Because now I have my own bank."

Mustache: ...?!

Wait, why can't he understand Emei language anymore?

What does "your own bank" mean?!

Does she mean there will be no more sausages, chocolates, and Jong-kook canned goods?!

No--! ! !

The man with the mustache left the store dejectedly, even forgetting to grab the canned goods that were 10% off.

He Changyi asked the person next to her in confusion, "Did I say something bad? He looks terrible."

Ms. Tajiyana said sternly, "This has nothing to do with you; he'll only get worse later."

He Changyi shook his head and sighed, "I thought there couldn't be any worse news since the alliance broke up. He's always such an overly fragile man."

Ms. Tadjana: ...Hold it in! She can't laugh! She's a professional!

When Geng Zhi saw He Changyi coming to inspect the store, he happily ran over, grinning broadly, showing no nervousness whatsoever about being inspected.

If Zheng Xiaowei were still alive, he would definitely nudge Geng Zhi with his elbow and then enthusiastically come over to greet He Changyi.

He Changyi asked, "Are you getting used to being alone in the store lately? Have you had any problems?"

Geng Zhi said, "There are problems, but Yelena will help me. I really didn't expect her to be so capable. A sanitation worker is actually a college graduate. This place is strange; even the street sweepers are good students. If I were a Russian, I probably wouldn't even be the one to clean the latrines."

He Changyi's feelings became even more complicated, with a familiar feeling of heart attack.

well.

The child is a good child, but he's not good with words, and it seems his brain isn't very sharp either.

Who would admit to being incompetent in front of their boss?

He Changyi asked tactfully, "Don't you usually keep in touch with Zheng Xiaowei by letter?"

——Quickly let Zheng Xiaowei spread some oil on your plate!

Geng Zhi said, "Hey, he doesn't care about us at all. That heartless guy has already gone to suck up to the new boss!"

He then asked, "Boss, why did you send Zheng Xiaowei to Eastern Europe? When did he offend you?"

He Changyi: ...

Not long ago, He Changyi packed up Zheng Xiaowei and sent him to Eastern Europe so that he could work for Xie Xun from now on, which could be considered as fulfilling the little Tibetan fox's wish.

Xie Xun was indifferent, but accepted Zheng Xiaowei out of respect for He Changyi.

Anyway, he has a lot of work to do and is short of manpower. It's not bad that Zheng Xiaowei came to him himself, and it can also do He Changyi a favor.

Zheng Xiaowei was satisfied with the whole thing, Xie Xun was satisfied, and He Changyi was also very satisfied. The only one who had doubts was Geng Zhi.

In his view, wasn't this just the boss exiling Zheng Xiaowei to the frontier?

He Changyi gently patted Geng Zhi's shoulder and said kindly, "Silly child, go play with the black dog."

Maybe the black dog can even teach him some social skills.

Geng Zhi walked away, turning back every few steps. Before leaving, he ran back and nervously said to He Changyi, "Boss, even if you want to get rid of me, can you not send me to Eastern Europe? I don't want to work for Boss Xie; he's not a good person."

He Changyi said even more kindly, "Don't worry, fox dens don't keep fools, so you have no chance of getting in."

Geng Zhi felt relieved and happily returned to his post.

He Changyi shook her head as she watched his retreating figure.

Well, at least the child is loyal. Having a trusted confidant in the store will put her mind at ease.

If anything happens in the store, Geng Zhi won't care about anyone's face or relationships, nor will he weigh the pros and cons. He'll report to He Changyi without hesitation.

For He Changyi, a false report is better than a cover-up.

After all, He Changyi's attention is now only about 10% or less on the Friendship Store; her mind is entirely focused on something else—

The city of Vladimir is about to hold its second auction for the privatization of state-owned enterprises.