Rebirth 79: I opened a bank in the United States

Chapter 120 is sloppy!
It does not join the Federal Reserve System and accepts the supervision of the Federal Reserve, and does not participate in the Federal Insurance Plan and accepts the supervision of the Federal Deposit Insurance Corporation.It seems that this third type of savings bank seems to be left alone?

Actually, it really doesn't matter
Theoretically, there are two levels of U.S. bank franchise licenses, so-called bank licenses, or two different levels of government that can issue them.

The first is of course the U.S. federal government. However, before the Interstate Bank and Branch Efficiency Act of 1994, national savings banks were not legally allowed to exist. No one is going to go to the federal government to apply for a license when they are full and hungry.

Then you can't apply for a license from the federal government, but can you apply for a local license?The answer is yes, it can even be said that as long as it is a savings bank, the license is issued by the state government!
The banking license issued by the state government is naturally also subject to the supervision of the state government.Procedurally, it is reasonable and there is nothing wrong with it.
But in fact, compared with the federal government, the state government's annual funding is not at the same level.The state government doesn't have much money, so naturally it can't hire too many officials, which naturally leads to a serious shortage of staff in the State Financial Institutions Committee, which is the state-level banking and financial industry regulatory agency.

Coupled with a high degree of geographical characteristics, under the entanglement of the bankers' network of relationships.There is no difference between state-level supervision and absence.
It seems that this kind of bank seems to be the best: no one cares, how cool it is to develop as you want!It is their advantage that there is no strong authority to supervise, but it is also their disadvantage!

Without the endorsement of government regulators, such banks will naturally be inferior to the other two types of savings banks in terms of public credibility.It's okay in the local market. The owner's family may have been operating in the local area for several generations, and they have enough credibility.With or without federal endorsement, people trust them and put their money in their bank.

But when expanding, their shortcomings are obvious.If you want to compete for the market, you have to build public credit from scratch. This is not something that can be done in a short period of time, or even in a year or two.

From these characteristics alone, it seems that these three different types of savings banks are not a threat to their own Black Bank.So why is Carter worried?
The eyes are still looking at the third type of savings banks with almost no supervision.Since such banks are almost unregulated, it is simply unknown how much capital they really own, or can control, and mobilize.

And their mode of annexation and expansion is similar to that of ordinary commercial companies.First find a way to get the holders of the other bank, such as the board of directors, or the boss of a sole proprietorship, etc., and propose an acquisition intention.

If they are rejected and they are determined to acquire, then the matter will develop to the next stage, which is competition!
This type of bank not only has almost the same merger and acquisition mode as commercial companies, but also copy the competition as it is.As long as the local laws do not prohibit them from entering, they will come to your land to open a branch, and then promise high interest rates on deposits, low interest rates on loans, etc., and try their best to attract local residents' deposits. to them.

Wait until your market space is almost occupied, and then knock on the door: "Can we talk about acquisitions now?"

Compared with the orderly annexation of the first two, this method of annexation of the bank is simply unscrupulous and disorderly!Without knowing how much capital they had, even a huge sum of [-] million yuan would not give Carter a sense of security at all.

In other words, it cannot bring enough sense of security.

Because unknown, so scary!
Whether you help Jason or Likris, the core is to help the local citizens.In the words of the game, it is to gain favorability!The higher the favorability, the higher their loyalty and trust in their bank.It is not easy to be tempted by small profits, and then change doors.

Of course, if the other party really comes here to engage in interest-free loans, or give 20 points of annual interest on deposits, then Carter has nothing to say, after all. Who can refuse Bodhisattva to engage in charity?

"Carter. Thank you, thank you and me."

It's unknown how well the citizens' favorability has been raised, but the little girl Alice's favorability is obviously enough.Alice, whose thin shoulders were still twitching, was excited again, and Carter was awakened by joyful thanks.

"It's okay, it's a matter of raising your hand, it's all right."

Little girl. Well, the sparkling, watery eyes of the little girl who was one year older than him made Carter feel a little unspeakably embarrassed.Although Carter was called by Likliss, to be honest, in the whole arrangement of the matter, Carter really didn't think much about whether they could get their wages back.
At this time, Carter, who was full of "declining residents' income", "the Great Depression is coming", "annexation and anti-annexation", suddenly lost interest in Li Kelisi who was close at hand.

Girls are precious, but the price of money is even higher!Carter, who is greedy for money and lustful, and full of righteousness, thought about the "lustful" in front of "lustful", and directly declined the lunch invitation of the two girls.

Returning to the bank in a hurry, Carter immediately worked with Goodman to create a questionnaire that would be distributed to those part-timers tomorrow.The questionnaire focuses on such items as the total consumption of residents, the proportion of daily necessities expenditure in total consumption, the business conditions of local shops, changes in bank deposit interest and loan interest, etc.
On the questionnaire for each item, there are only very general quality evaluations such as "excellent, good, average, and poor".Both Carter and Goodman understand that it is foolish to expect these people to do detailed investigation and statistics.Some general information can be used as a reference, and the money is not wasted.

Goodman is quite supportive of Carter's behavior. As a native of Douglas, he is very much in favor of seeing the "folks" live a better life.Even after completing the questionnaire, Goodman in turn comforted Carter not to feel bad about the money:
"Douglas's bank has a relationship with the citizens of Douglas that is both prosperous and hurt. Help them get extra income and keep them alive. They can continue to work and continue to create value. And the money is spent on supermarkets, food No matter where the money is spent in the store, most of it will eventually return to our Black Bank!"

Carter didn't care much whether it flowed back to Black Bank.Because just when the two of them finished their work, Julian's phone came in.The content of the phone call is very simple, only one sentence, two words:
"Gold, sold out!"

Finally, as if fearing that Carter had not been stimulated enough, Julian added:
"An average of $184 per ounce! You're rich! You're rich!"

乍一听到平均单位盈利184美元，卡特还没多少感触。心里习惯性地，随意地做了个加法：184+534=718718啊.718？！
"Shet?! Didn't it just go up by $30 in the morning? Why did it go up again?! No, how can it still go up?!"

After exclaiming, a second thought came to Carter's mind:
Damn, sloppy!I should have called Likris when I got back.
(End of this chapter)