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RE: So if they don’t pay, is china going to invade Montenegro?

China does not need to. The infrastructure agreements always have a TAKE OVER clause and that's what China wants. The debt does not need to be repaid. Just look at Greece as an example ....

Under its Belt and Road Initiative, Beijing has purchased the Greek port of Piraeus, turning it into the second-largest port in the Mediterranean, and it’s also constructing billions of dollars-worth of highways and railways, including a planned high-speed railway connecting Belgrade and Budapest.

WHY? China doesn’t want money; it wants LAND and CONTROL –in Africa, Europe, Asia, and Latin America. By exporting an economy-breaking disease and finagling nations to take on debts they can never repay, it’s building an Empire greater than the Romans or British ever did, and it’s doing so without spilling a drop of blood in battle.

Fraud, over billing and kickbacks seem to be built into Belt and Road projects favoring China.

https://asia.nikkei.com/Spotlight/Belt-and-Road/Belt-and-Road-projects-in-limbo-as-Bangladesh-cuts-budgets

and https://www.easybranches.com/crime/robbery/9700282 “...According to media reports, the government of Prime Minister Sheikh Hasina found that Chinese companies were charging three times the normal price for construction, and slashed $5.72 billion from the China-funded Akhaura-Sylhet and Joydebpur-Ishwardi railway projects that are part of the BRI agreement signed between the two countries...”

The main conditions of the contract with China required that the contractors of the railway construction be selected by the Chinese government, and the government of Bangladesh pay for land acquisition, resettlement of locals, and worker wages. The Chinese government pays construction costs, which account for about 80 percent to 85 percent of the total cost of the projects...”