Rebirth 79: I opened a bank in the United States

Chapter 122
"Is the Apolis Textile Mill? Hiss~ the cotton textile industry has been affected so much?"

Hearing that the largest factory in Douglas was going to lay off 30% of its staff at one go, Carter couldn't help but gasped.

Speaking of Georgia, its agricultural representatives are peanuts, broiler chickens and eggs, light industry, and even from the [-]th century, for a long time, the entire industry of Georgia was represented by the cotton textile industry.

Even now, emerging manufacturing and food industries have begun to enter Georgia and gradually take root.However, the cotton textile industry is still an important source of economy in Georgia and an important channel for population digestion.

Compared with the aviation manufacturing industry, which has a high entry threshold, or the food industry, where equipment gradually replaces labor, only relatively backward cotton spinning factories are factories that really require a lot of labor.

It's not a joke that when the Apollos Cotton Mill lays off workers, the whole of Douglas is in trouble! !Carter once suspected that Rob was fooling himself.
Otherwise, you, the mayor, just watch? !I don't want to help others through this crisis, so I can find myself an egg.
At this time, savings banks are unable to issue commercial loans.Fortunately for the individual industrial and commercial households with small households, it is not a big problem to issue some in the name of personal loans.But for a large factory like the Apolis Cotton Mill with more than [-] employees, the funds needed to revive it cannot be approved by personal credit at all.

At the beginning, I approved a loan of [-] million yuan for myself, but I didn't know how many sub-accounts I had adjusted.Also because of this loan, the risk assessment of bank assets almost failed last year, because long-term loans are properly considered risk assets.Such a large amount of money was suddenly released, and the risk rate was soaring. Now that Carter has gradually understood these things, he dare not be so reckless anymore.

This is not a question of whether or not you can save them and whether you have the ability to save them. It is a question of whether your own bank can still do it if you continue to do so? !
"Yes, the biggest customers of their factory are the carpet factories in the north, followed by some factories that make cotton clothes. In the current environment, low-end carpets can't be sold profitably, and high-end carpets can't sell much."

Taking a deep breath of the inferior cigar, Rob was also choked and coughed.As if he was used to the choking taste, Rob coughed lightly, and quickly returned to his nonchalant state, continuing to say:

"The downstream has a problem and is blocked. It's no wonder that upstream companies like them are doing well. Before I asked you to meet, I also contacted Mr. Terrence. 30% of the layoffs were the result of his compromise. He originally The plan is to lay off 35% of the workforce."

"After the conversation with Mr. Terrence, the first thing I thought of was you. Carter, the gas station in the business district of your highway should be built soon, right?"

"It should be almost the same. The work was suspended for two weeks on Christmas. It has been a month since the resumption of work. I usually don't pay much attention there. I will go back and have a look."

Carter casually extinguished the inferior cigar in the ashtray, and took out his own cigarettes from his pocket again.After pulling out one, the hand that was in mid-air suddenly paused, and then pushed the remaining half pack of cigarettes to Rob's side.

"How many employees do you plan to hire?"

Rob, who noticed Carter's little trick, smiled slightly, and didn't reject Carter's kindness, nor did he feel disgusted in the slightest.Even if he is the mayor and a high-paying person, but...
Those who can still afford to smoke are already high-paid people. Good cigarettes are not for the rich, so who would be willing to smoke? !

"The plan is to have seven people, two safety officers who work in shifts, plus two shifts of refueling staff, plus one management staff to coordinate the purchase of oil products and so on. Seven people are enough, after all, my sideline business has been contracted to There are others, so it doesn’t need too many people.”

It turned out to be this idea!
Carter was secretly relieved to hear Rob's words that could be said to be ignorant.

In Yuanben's memory, Goodman has been working with Old Black since he graduated from university, from a staff member to a current manager.It can be said that they are the direct descendants of Blake, who are very young, and they are the people who watched little Blake grow up.

In his memory, he never made any big mistakes, so Carter recalled it, maybe it was affected by the memory of the original body.Many of my own things have hardly been hidden from Goodman, if he secretly leaked the news that he made a lot of money.
"Yes, I understand. But under the current situation, Carter, can you hire two more people? There is also Black Bank, or the restaurant. Even if the wages are paid according to the minimum wage standard, even if one more person can survive. "

"You want me to expand my enrollment? Me."

Carter frowned slightly. If it was only the gas stations and restaurants that recruited more employees, the pressure on Carter would not be great.But what's the point?
It is true that he is willing to help Douglas, but that does not mean that he has to recruit a group of idlers.The human mind has always been complicated, and the motivation for making any decision is also complicated.

It would make Carter feel a bit at a loss if he recruited more employees just for the purpose of helping Douglas stabilize his employment.So he didn't refuse immediately, but he didn't agree immediately either.

"Yes, I know you have done a lot. I shouldn't have made such unreasonable requests at this time. But facing the more than [-] families who will soon have no living expenses and no food, I don't think so either." There is a way!"

"Can we do guaranteed loans? The city government will guarantee them and help them through this time. Uncle Rob, it's not that I don't want to help, it's just that my few shops are so big, even if I expand the enrollment, Three or five people, five or six people, can't play a substantial role!"

Having said that, Carter was a little confused.Now that you know how important the Apolis Cotton Mill was to Douglas, you also know that thousands of people are going to starve in no time.The government guarantee loan does not require you to spend real money to help. You can get back a lot of loans and help the cotton spinning factory by acting as a guarantor. Why don't you do it?

As for not being able to get a loan. That's impossible!

Government-guaranteed loans are a very magical existence in the United States.It is amazing that it is also a loan, but it will not be recorded in the risk asset list during the review.The municipal government usually does not provide a loan guarantee to a certain enterprise at will, but once they are willing to be the guarantor, there is almost no difficulty in borrowing.

As the boss of the bank, Carter thought from the perspective of the bank, what does the government guarantee the loan mean?
1. Not afraid of losing money: Regardless of whether the debtor is bankrupt and unable to repay, or deliberately defaulting on the debt, as long as the money cannot be collected, the bank can collect the money from the city government.Even if it may not be recovered at one time, the tax of the city government is there, and the interest will only increase, and there is basically no possibility of loss.It's impossible for the city government to run away with the building overnight, right?
2. Does not affect qualification review: You can even make money while making your own bank's asset structure more beautiful and stable!In order to further gain higher credibility and expand their own influence.

In this situation, obviously as long as the municipal government provides a guarantee, then the cotton mill can find loans to maintain production.After these two years, maybe it will survive?Even if this is just a possibility, it is also a possibility!Why not?
In other words, why bother to find yourself at a distance, and ask for such a single-digit employment quota that will not affect the overall situation at all and cannot solve the fundamental problem?
(End of this chapter)