Rebirth 79: I opened a bank in the United States

Chapter 10 Gulfstream Aircraft Company
"Withdrawals are not a big problem. At present, only less than [-] dollars in cash have been withdrawn. It is estimated that about [-] US dollars will be withdrawn by the end of today's business. Tomorrow, it should be a little less, but it should not be much worse. .In two more days, this outflow should ease somewhat.”

Compared with when Carter first came to the bank in the morning, Goodman has been much calmer in the face of depositors' withdrawal requests.Not to mention that there will be a large amount of money in the account immediately, but the "big dog" attitude of Black Bank that allows you to take it is almost to put the label of stupid people with a lot of money on the bank's gate.

If you say that such a bank is going bankrupt, who will believe it?
Instead of worrying about a credit crisis among depositors, Goodman worries about another issue:
"Carter, it shouldn't be a big problem for depositors to withdraw money now. It is conservatively estimated that this time we can also absorb about three million dollars in loans. Have you thought about how to deal with this money? Five years later, we will Nearly five million dollars are needed to repay this loan."

Still the same sentence, half a million dollars is not a small amount of money in this year, let alone five million?Think about Black Bank, the old Black has been tossing for so many years with the help of the booming American economy, and his total assets are only about three million US dollars.This is still including the deposits of depositors. Excluding these, the assets that really belong to the Black family are only about 20.This is also the reason why banks faced concentrated withdrawals from depositors and almost went bankrupt.Now suddenly, the debt has been turned into five million, which is almost twice the assets of the entire Black Bank.

Carter understood Goodman's anxiety. To be honest, Carter hadn't really thought about how to deal with the money right now.After all, Volcker has not yet come to power, and even if he comes to power, the federal funds rate will not rise just by saying it will rise.It always takes time to rise from 10.52% to more than [-], and this time is usually measured in years.

Before that, can you really hold this money in your hands?Even ten years of cerebral thrombosis can't perform this kind of operation!But how to spend the money?

"Don't worry, I have my own plan. Go and get busy with the loan first!"

As the saying goes, a lot of panic in the heart, but the face is as steady as an old dog.The failed creation of the first generation is also the creation of the first generation. This basic operation is still possible.With a shallow smile, Carter sent Goodman away pretending to be confident.

As Goodman left the office and closed the wooden door, Carter showed his true colors in the next second!

He took out a pack of cigarettes in his pocket and patted it on the table, then hurriedly went to the filing cabinets on both sides of the office to move out piles of periodicals, newspapers, materials and other documents, and looked them up while smoking.
As a savings bank based in Georgia, to be precise, it is Douglas.In the information left by Old Black, the industrial information and industry information in Georgia are absolutely complete.But after flipping around, Carter didn't find that kind of very potential and reliable target.

Georgia is not without big companies. The famous Coca-Cola Company is headquartered in Atlanta, the state capital of Georgia.In addition to Coca-Cola, large companies like Delta Air Lines have also settled in Georgia, but without exception, these companies are all mature large-scale group companies, and they are all in Atlanta. of.
In Douglas, which is said to be a city, but actually looks more like a small town in China in the future, Carter, holding millions of dollars in cash, can walk sideways twice on the street with his back straight.He could even proclaim himself the richest man in Douglas, but if he was thrown in Atlanta, even in Atlanta, where the economic development is not very good, he can only have a little "little brother".Maybe in an ordinary neighborhood, it can attract the envy of the neighbors, that's all.

The premise of four taels to pull a thousand catties is that you have to have four taels first!Carter thought for a while and thought about the flesh all over his body, and then decisively turned his eyes away from the range of Atlanta.

Except for Atlanta, in the rest of Georgia, most companies are swinging back and forth between agricultural product production and textile industry.If it was the beginning of the industrial revolution, the textile industry would undoubtedly be a good target for loans, but now it is almost the third industrial revolution, that is, the technological revolution.

The textile industry has long been finalized, and the supply of raw materials and the number of production equipment tend to be fixed.There is basically not much demand for expansion, so naturally no loans are needed.As for loans to agricultural producers.
Just kidding, farmers or ranchers need a lot of loans.
After excluding some companies that either don't need loans, or are simply looking for loans or investment, and they can't reach the threshold, Carter only found one valuable loan target or investment target.

Gulfstream Aircraft Corporation!

The business jets and private jets of Gulfstream and Bombardier will be famous in the future.Even if you haven't seen it, let alone ride it, you can't read so many novels in vain, right?The protagonists of those Shenhaowen novels, which one doesn't own a private jet from Gulfstream or Bombardier, seem to be a little less face-to-face.

Carter was really surprised that he could find information about this company in Georgia, an agricultural state whose industrial development has not improved until recent decades.According to data, this aircraft company located in Savannah has not been established for a long time.

Six years ago, in 1973, a guy named Alan Paulson bought Grumman's Gulfstream aircraft production line for $200 million and established it independently.However, Grumman's first Gulfstream business jet rolled off the production line as early as 1958. It can be said that not only is there no bright spot in technology, but it also feels a little bit of wisdom.

Grumman needs no introduction.Since World War II, it has been one of the most important fighter manufacturers for the U.S. military. In the 70s, it even produced a breakthrough work such as the F-14 Tomcat.Of course, breaking the circle will have to wait until Tom Cruise's "Top Gun" is broadcast, but even if there is no "Top Gun" now, Grumman is a well-known big company these days.

People are holding orders from the Ministry of Defense, and the production is extremely busy.Regardless of the three melons and two dates brought by business jets like Gulfstream, if someone comes to buy them, they will sell them.Even Paulson was able to buy the Gulfstream aircraft production line for 200 million US dollars, which means that Grumman wanted to reduce the burden.Because of the 200 million, in addition to selling the Gulfstream aircraft production line, various Gulfstream plans were also packaged to Paulson.Regardless of production, order or after-sales, in a word:

If I need to find this person in the future, just don't bother me with Grumman anyway!

Whether to invest or not is another matter, but this company is obviously a golden egg company, at least it will not go bankrupt in the next few decades, and the possibility of bad debts is very low, and it is still the kind that has not been discovered yet.Carter hastily drew a circle in red ink on the name of Gulfstream Aircraft Company and highlighted it.

But other than that, there seemed to be no suitable goals.Savannah, where the Gulfstream Aircraft Company is located, is not within the business scope of Black Bank. If they really need a loan, they are more likely to contact the local bank in Savannah directly.After all, who would come to Douglas to ask for a loan instead of borrowing from a bank that is closer and more familiar?

Would Paulson know that in Douglas, there is a 16-year-old small bank owner who is particularly optimistic about the future prospects of his company?

(End of this chapter)