Vol 5 Chapter 53: ,mortgage

In Lev's face, Nicholas II quickly approved the transaction, and the transfer of the two sides went smoothly.
The locals have two options, either to return to the Russian Empire and be funded by the Bulgarian government to buy all their local assets; or to stay and apply for Bulgarian citizenship.
This multiple-choice question is very easy to do. Most ordinary people choose to stay. The civil war has now progressed, but the youth of the Russian Empire has suffered heavy losses.
According to incomplete statistics, before the outbreak of the World War, the population of the Russian Empire was about 160 million. After the end of the World War, it fell to 146 million, and now this number has dropped to 124 million.
In addition to the war casualties, the greater population loss was due to the chaotic situation and poor economic conditions, which caused a sharp decline in the birth rate. Hunger and immigration also caused a large number of human losses.
According to the Bulgarian Population Agency, even if the Russian empire ends the war, the population will still fall into negative growth in the next ten years. A large number of young men have been consumed in the war. Now the balance between men and women has been broken. , At least six million more than men!
Benefiting from this situation, the domestic gender balance in Bulgaria has been easily resolved, and the imbalance between male and female immigrants in Europe has been improved.
Ruble's credit has long since collapsed, and the currency with the largest circulation in the Russian Empire is Lev, followed by the pound and the franc.
In the face of this situation, the Tsarist government did not take no measures. They reissued the gold ruble. Unfortunately, it was soon dragged down by the private run.
Without enough credibility, the people got the ruble, and the first time was to exchange it for gold. As a result, the government of Nicholas II was forced to announce the termination of the exchange.
Then the value of the gold ruble fell rapidly and was eventually abandoned by the people. Now the Russians recognize gold and foreign exchange and have no love for the ruble.
The most funny thing is that after the credibility of local banks collapsed, foreign banks are now the most popular in the Russian Empire, and even the National Bank established by the Tsarist government cannot match it.
This situation exists in all three Russian governments. No, it should be said that both Russian governments exist. The Moscow government has nationalized, the rich have been copied and then wiped, the poor have no money to save, and even the currency has been replaced by bills. Their finances are relatively In terms of the best.
After getting the money, Nicholas II's first thing was to launch a military troop, which was owed for less than half a year. The rubles soldiers who had been sent before did not buy it, and they could only resend it.
Now Nicholas II has learned to be clever. In any case, let's stabilize the army first. Not only does the army have to ring, but also the salaries owed by government departments must be settled. In this regard, Nicholas II is also a good boss.
More than two billion Lev's land sales income was spent more than half, and the remaining funds, he also had to buy ammunition and wage a united war.
It would be better if he didn't fight. This money would cost him less than half a year. Once the war ignites again, he can light up in a month. He will not only consume the maggots of the government but also consume it for him.
Nicholas II said cautiously: "Prime Minister, urge Sasonov to speed up the negotiation process, we will wage a reunification war in 1922!"
The Prime Minister was startled, and hesitated, saying, "Your Majesty, are you going to wait for a long time, our soldiers need to be trimmed, and it is better to delay for a year!"
Nicholas II smiled bitterly and said, "Do you think we are still procrastinating? Financial issues, you are all clear. Each delay of one year will cost five to six billion pounds. Where do we go? So much money?
Money is only one aspect. If we are in a hurry, we can still sell the land. Presumably Ferdinand ’s guy is already ready to take the order. As long as we dare to sell, they will take it!
You know, they actually sold all the German and Italian war reparations in packages. The Bulgarian government now has money!
But what about the international environment? Once the British and French resolve internal issues, will they tolerate the reunification of the Russian Empire?
If they had transfused blood to the two rebels, when would this war be fought? One year, two years, or three years, five years, or ten or eight years?
No one can say clearly, if the delay is long, we want to unify again, but it will be difficult! "
The Prime Minister is silent. Everyone knows these issues, but it is just a selective avoidance. Otherwise, when Nicholas II is going to sell the Crimean Peninsula, he will not get their support!
...
After receiving the telegram, Sasunov began to have a headache. It was already troublesome to talk to a bank representative. Now he is still urged to speed up in China!
On October 22, 1921, the Bulgarian-Russian negotiation meeting on the loan issue officially started. This time the protagonist is no longer Megeve, and the Ministry of Foreign Affairs just provided a venue for both parties.
The head of the bank's delegation is Cage Nicholas, the chief executive officer of United Bank, and the two deputy heads are Wolf Regus, the representative of the National Bank, and Marshall Plistev, the representative of the Royal Bank .
In addition to these three people, the three major banks also formed an interim assessment team, a financial team, and a negotiating expert group. The total number of people was up to 300.
At the sight of this posture, Sasunov was dizzy. It would be strange if he was not prepared!
Megeve's identity as a middleman this time, he took the lead to say: "I welcome everyone here on behalf of the Ministry of Foreign Affairs. In order to protect the traditional friendship between Russia and Russia, I hope that everyone can successfully reach cooperation.
Alright, I've finished my nonsense, Mr. Sasonov, and Mr. Kage, now you can start! "
Cage said, "Thank you Mr. Metiev for providing us with this venue, and hope that our next negotiations can go smoothly.
In business talk, how much loan will your government need this time, and what is your willingness to provide as collateral? "
As soon as Sasunov was satisfied, the loan was of course better and better, but the problem of mortgages was a headache. There were no regulations in the country. In theory, he could decide where to mortgage.
This is based on the fact that the government can repay the loan. As long as the loan can be repaid on time, it does not matter if he mortgages St. Petersburg!
If the government is unable to pay off the loan on time, then it will be very troublesome and he has lost a lot of benefits. He will definitely not have good fruit in the future!
Sasonov asked in turn: "Mr. Kage, I want to know what is the maximum loan amount that your bank group can take?"
Cage said with a smile: "It depends on how big the benefits are. If the benefits are big enough, I think we can provide the funds your country needs!"
Sasunov was shocked, and as soon as it returned to normal, it was impossible to monopolize a bank such as Bulgaria's financial power. It is impossible to lack funds, and no consortium in the world has their large cash flow!
Of course, a more important reason is that the Russians borrowed Lev, and finally returned to Bulgaria.
Nicholas II could not take Lev to fight. They had to buy weapons and ammunition, as well as various strategic materials. Once they changed hands, 778 funds were re-flowed into Bulgaria, and the money was still in the end. Will enter the bank again.
Sasonov thought about it and said, "We plan to lend 10 billion levs. The Russian Empire can use the heights of Warren Heights, Dnieper River Heights, and Black Sea Coasts as mortgages. The interest rate will be 5% per year. Sex pays off! "
Cage shook his head and said, "Mr. Sasonov, forgive me, as for the conditions given by your country, no bank in the world would dare to do this business!
Even if there is no civil war in your country, it is difficult for you to obtain this loan under conditions such as in the peaceful era, not to mention that now is the era of war, if one is bad, we will lose everything! "
Sasunov's face sank. He knew that the negotiations might be so smooth, and the conditions just thrown out were just a tentative test.
Instead of answering directly, he cast the question out: "So Mr. Leach, what do you want?"
Leach thought about it and said, "There is nothing wrong with the 10 billion leva loan number, except that there will be a change in loan interest, repayment methods, and collateral!
Loan interest, we have to calculate interest on a monthly basis, the monthly interest is eight thousandths, one month each, the funds are linked to gold, you have to bear the inflation yourself.
Collateral: We recommend using the Great Plains of Ukraine controlled by the Russian Empire as collateral so that everyone can accept it! "
Sasonov was like a fryer, shouting loudly: "Impossible, you are robbing while on fire!"
Cage calmly said, "Mr. Sasonov, you have to take into account the cost of risk that I bear. Once you lose the war, we will lose everything!
Such a high risk, we need a little more interest, is this too much? At present, the benchmark interest rate for international loans is basically maintained at 4.5 to 6 per thousandths a month, and I have only increased it a little bit!
As for the issue of collateral, mortgage loans all over the world have to be discounted. As long as you can guarantee repayment on time, these are not a problem at all!
Unless you have no sincerity and did not intend to pay off the loan in the first place, you do not have to worry about collateral at all! "
Sasonov said with a sad face: "Your interest is too high, it has exceeded the affordability of the Russian Empire!
As for the collateral you want, the value of this loan has far exceeded, even if the collateral is to be discounted, it is not possible to be so cruel? "
Cage said with a smile: "This problem, we increase the cost of risk! Everyone knows that the greater the risk, the greater the benefit!
You have no way to reduce our risks, then we can only increase our interests. Otherwise, what does this business mean to us?
Mr. Sasunov, may as well consult, the banking people in your country, ask them, are we really asking too much? "
Sasunov's face sank. Bankers in the Russian Empire have become the laughingstock of the world. At the same time, they have also become wanted by the government. Isn't it funny to consult them?
Without the Bulgarian government, the risk factor of this loan is almost 100%, and normal people would not take this business!
But this time the loan was obviously endorsed by the Bulgarian government. They have the ability to recover the loan. If they ca n’t do it, they can sell the mortgaged land to the government. The risk has been transferred!
Sasonov thought for a while and said, "We can bear interest up to six thousandths of a month. This is also a normal international loan. The repayment standard can also refer to international standards.
The collateral, the Russian Empire can take out all the factories and enterprises in St. Petersburg, plus half of Ukraine, with the Dnieper River as the dividing line, these assets are worth 20 billion levs! "
Cage shook his head and said, "We dare not be interested in the companies in your country. No matter what their value is, they are equal to zero for us!
And in this half of Ukraine, if your country is willing to sell directly, I think selling 18 billion levs is not a problem at all, but it is not enough as collateral.
We are a bank, not a charity. We must make money in all our business. If we cannot guarantee profit, we would rather not do this business! "
The two fell into silence, and Metev suddenly said, "Mr. Sasonov, in fact, Mr. Kage's proposal was still very good. You may wish to consider selling the Ukrainian region directly, and you can With a lot of money, do n’t worry about everything!

Sasonov was secretly cursing himself. The guy just suggested that the bank just sold half of Ukraine, and in a blink of an eye it became the entire Ukraine.
Do you really think that the Russian Empire does not have a thief? If it goes too far, the Russian people will also attack the national thief!
However, on the surface, Sasunov still has not changed, but instead politely declined Metev's proposal.
He said that despite the vastness of the Russian Empire, no inch of land was superfluous. It was like selling land in front of him, not because he did it!
The first day of negotiations naturally ended without results. Everyone just touched the bottom of the other party. It is estimated that there is still a long time to reach an agreement.
Although Ferdinand did not care about the amount of interest, from the beginning he thought that Nicholas II could not afford the debt, but if the bank did not care about interest and stared at the collateral, the fool knew that there was a problem?
Therefore, bank representatives must weigh the Russians with interest and convince them that this is an ordinary loan, nothing more than a larger amount and higher interest, and finally relax their vigilance on collateral!
As for Chekov's offer to purchase the Ukrainian region ~ EbookFREE.me ~ This is also a conspiracy. If many things are placed in the clear, it is reassuring; if the Bulgarian government has no intention, the Russians will doubt that they are in What about a big conspiracy?
The more positive the Bulgarian government's attitude in buying land, the more reassured Nicholas II is. At least they can determine Bulgaria's position, but they just want to buy Ukraine from them, not to use conspiracy to seize Ukraine!
Well, these questions are not something that Ferdinand can think of alone, but the plans that the government think tank finally came up with after two or three years of research!
The effect has just begun. No one knows the success or failure. Anyway, this is a long-term strategy, and it will not be able to achieve results in a short while!
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