Rebirth 79: I opened a bank in the United States

Chapter 118
"Mr. Johnson."

"You say!"

Madison Johnson stepped forward slightly and listened carefully to Carter's proposal.He said he was listening to advice, but seeing the attitude of lowering his brows and pleasing to the eye, he didn't give in much to listening to the leader's lectures.This scene, combined with the previous scene where the crowd actively gave way.
"You have to pay their wages in full. To do business, you must respect the contract. Even if the part-time job is just a verbal agreement, you can't go back on your word."

"Mr. Black you."

"Don't worry, listen to me. In addition, this matter is not entirely related to you, and everyone, please listen to it together. I need a group of people to help me go to other places, especially the nearby cities. Inquire about some news. Well, let’s call it a commercial investigator, I need some commercial investigators to help me go to a few nearby cities to see if their lives are the same as yours. Not very happy.”

In order to take care of the big guy's face, Carter tried his best to speak more tactfully.But at this moment, everyone understood what Carter meant, and there was a gleam of light in their eyes.
Without money, life is not happy.Regardless of what Carter said, as long as he is willing to spend money, even if everyone is not happy now, isn't there hope for happiness?

"Of course, this is a long-term job. You don't need any technology. You go to the local area to see whether the local people spend a lot of money when shopping in the supermarket, whether there is any hesitation on their faces when paying, and ask about banks nearby. Nobody goes to the bank and doesn’t get their money.”

"You don't need to do this full-time. You can go on vacation or after get off work. The daily salary is 15 dollars for cities within 100 kilometers, and 200 dollars for cities within 20 to 30 kilometers. The first batch, 2 people first come Well, Jason, considering the situation of your family, I will give you [-] places, is it enough for you to live?"

A city within 100 kilometers can make a round trip in two hours.Coupled with the time to inquire about the news, it is basically possible to go back and forth within the same day.And if it exceeds one hundred kilometers, it will take a long time, and it will basically take a whole day to go back and forth once.So for this part, Carter basically offered a full-time salary.

Of course, you are not responsible for the fuel costs of your vehicle.So after deducting the fuel expenses, the remuneration can only be said to be a little better than the general part-time job, and it is not as good as a full-time job, so it is not particularly attractive.

But it is such a plain condition, but it makes everyone very satisfied.After Jason nodded excitedly and thanked, the crowd of onlookers was like boiling water, and you asked about the registration conditions on the spot.

"Tomorrow! Tomorrow, you can come to Black Bank for consultation and registration. In addition, please tell the news to your friends who are living in a difficult life. As a member of Douglas, I can't do much. I can provide you with some jobs , I will try my best to provide, let us get through this difficult time together!"

Hearing the chatter in his ear, Carter stood on the shoulder of the road and shouted.As far as erecting the archway is concerned, Carter has been very successful.

In other words, it's not the success of Carter, but the money that touches people's hearts.How have the citizens of this small place in Douglas ever seen capitalists who spread out real money and actually give money to the people? !It was the first time I met one, and it felt like meeting the master Qingtian, the voices of thanks and applause kept coming and going
After the crowd gradually dispersed and the two policemen left, Carter walked up to Jason and the two girls.
"Mr. Black, I just gave them the money. Tomorrow."

"Don't worry, I will explain clearly to the bank staff that there are two places for your family."

"Thank you, thank you, thank you so much! Mr. Black, you saved my family's life!"

"You're welcome, you can help me a lot too."

Help Jason, help the citizens of Douglas to improve their lives, and even help some groups with less income to survive.Although it is one of Carter's goals, it has never been the core goal.

Ordinarily, it is not only today that he feels that the environment has become harsh. Since November last year, Carter has felt the vicious changes in the general environment.Combined with the current turmoil in the stock market, the feeling that the rain is about to come is getting heavier and heavier.

As Julian said, turbulence represents opportunity, but it is also accompanied by danger!If you want to expand the scale of the bank during this period, you need to stabilize the rear is one, and understanding the movements of other peers is the second.

Neither of these two points can be ignored.The turbulent situation is certainly a godsend opportunity for their own banks to expand and annex other banks, but at the same time, this is also an opportunity for them to annex themselves, isn't it?

Carter was a little lucky at this time, thankful that his "novice village" was in Georgia.In the future, none of the big banks that can be named in the United States will come from this barren banking wasteland in the financial field.But even if there is no threat from those big banks, the rest cannot be ignored!
As a matter of fact, Carter wasn't too worried about the small city banks around Douglas.The upper limit of the size of the cities is there. They cannot be too large. Even the city of Macon, which has a population of 15, is not a big threat to itself.

Maybe he can't annex the banks in the city of Macon, but Carter, who has a huge fund of [-] million, is also confident that they can't swallow him, or it's hard to swallow him.And the gaze continues to the north, and it is not easy to see Atlanta.
Carter admitted that he was a little worried, because theoretically speaking, the distance would make Atlanta's bank swallow his own bank, but it is always good to be prepared.Especially now, when his own funds are still abundant, Carter doesn't mind helping the "hometown elders".

In case of any unexpected mistakes, at least they can use their strength to defend the basic set of Douglas.

If you want to talk about the relationship between buying people's hearts and keeping the Douglas Bank market, you have to talk about the way banks have merged and merged with each other in these years.

First of all, commercial banks can ignore that they are not qualified to acquire savings banks at all this year.Just talking about savings banks, on the basis of savings banks, they are roughly divided into three categories.One is the savings banks that have joined the Federal Reserve System, represented by the Federal Reserve Bank of Atlanta.

Basically, this type of bank does not need to worry too much, because joining the Federal Reserve System, of course, has relatively sufficient guarantees, and there are certain discounts when enjoying the services provided by the Federal Reserve, but it also means high-intensity supervision.Choosing to join the Federal Reserve System is almost equivalent to opening a bank under the eyes of the Federal Reserve. Various reports and reviews can get stuck so that you have almost no way to secretly make money.

Just like the saying "A horse can't get fat without night grass, and a man can't get rich without windfall".Except for the large official banks like the Federal Reserve Bank of Atlanta, the small banks that have joined the Federal Reserve System, after many years of regular operation, are still not very big.After all, every capital flow is closely monitored by the Federal Reserve, how can you fix it?Make a lot of money by issuing mortgages?

The U.S. real estate market has not developed yet, and housing prices have been as stable as Mount Tai for so many years.The profitability of this kind of bank ensures that its boss can live a good life in the local area. It is not easy. It is almost impossible to expect them to develop greatly and develop to the point where they have the strength to expand outward.

In fact, whether it is now or in the future, there are not many banks that have really joined the Federal Reserve System.So the banks that joined in twos and threes basically belonged to the kind of unambitious, salted fish pension type banks.They have little desire for self-development, and they are unlikely to develop large-scale, so this type of banks can be largely ignored.

After talking about the first category, let's talk about the second category.

The second category of banks is the banks that have joined the Federal Deposit Insurance Program.Black Bank, for example, belongs to this category.
(End of this chapter)