Rebirth 79: I opened a bank in the United States

Chapter 130 High interest or low interest?

Carter didn't know how old Black would react, and he didn't bother to guess.

At this time, Carter just felt aggrieved, extremely aggrieved!What the hell is this called? !

As mentioned earlier, merging nearby banks through the FDIC channel is the most efficient and least difficult way of bank mergers.But because last year's review time was before my gold proceeds arrived, my bank's current asset rating was so low that the FDIC didn't even consider letting me take over those bankrupt banks
So here comes the question, now that [-] million funds have been injected, can I go to the FDIC to apply for another assessment?
Can!sure!
But in this way, wouldn't he expose his hole cards?If you let the FDIC know that you have such a large sum of money here, it will be easy to merge banks. It is so easy that the FDIC can stuff a lot of banks that are about to go bankrupt.

Everything goes too far, the same goes for mergers and expansions!
Now the FDIC doesn't care about himself, which certainly makes Carter depressed.But if you let the FDIC know your cards, care too much about yourself, and then give yourself a mess, the scene may be even more depressing than it is now.

Taking over those banks is not only taking over the market, but also taking over the debt at the same time!In Carter's thinking, one bite cannot make him fat, and he never thought about swallowing a lot of markets in one go.Then I can't digest it at all!

City by city slowly, that's what Carter wants to see.But the reality right now is: either, you don't want to take any of them!Or, you can give me Kejin
"Are you saying that I can transfer part of the funds to other banks?"

Thinking of this sad fact, Carter frowned and thought
"Are you trying to blow yourself up?"

Goodman smoked a cigarette slowly and poured cold water on Carter coldly.

At this time, assets worth tens of millions of dollars are no less than hundreds of millions of dollars in the future.Where can such a large amount of money be deposited in the bank?

If you are in New York, in Los Angeles, there may be many answers to this question.But in Georgia, sorry, there's only one answer: the Federal Reserve Bank of Atlanta!

For other small and medium-sized savings banks, if you dare to deposit, they dare to call the police!Think about how big the Black Bank used to be, and that's the size of most small savings banks or savings and credit unions in America in this day and age.Besides, even if they didn't call the police, Carter himself wouldn't feel at ease putting such a huge sum of money on someone else's land.

and deposited with the Federal Reserve Bank of Atlanta.
They are big enough, and I can rest assured that they will not hack their money, and they will not call the police when they see such a sum of money.If you don’t call the police, you don’t have to call the police. They will definitely check where you got so much money from when they don’t call the police. !

"Then we just watch like this?!"

Carter was a little discouraged, and felt Qian Duo's distress for the first time.

"Or should I buy some more stocks? Consume a little?"

"Don't! My little boss, you just made money these few times, it doesn't mean you can always make money! You just promised me not to take risks!"

Had it not been for the fact that the United States did not have the habit of calling "ancestor", Carter had no doubt that Goodman would exclaim "Ancestor".Hastily stopped the "crazy" Carter, Goodman did not dare to keep it to himself.

"Let's wait for a while. With the current environment, there are probably not many people who are capable and willing to accept Forest Bank. The people waiting for the FDIC are busy first, and they can't find a suitable one within a radius of [-] kilometers. When they take over, I think they will organize a meeting with the banks."

"If a bank doesn't have the strength to take it, then find a few more! Each bank doesn't have a lot of funds, and at the same time it can share the risk. This is what the FDIC has always done. When they hold this meeting, you Go ahead and complete your plan."

"You mean to participate in fund-raising mergers and acquisitions first, and then recover shares from other banks?"

Carter smashed his mouth, which seemed like a good idea.That is to say, it avoids supervision and unnecessary troubles, and can secretly complete its own merger and acquisition goals.

The straight-line distance between Pearson and Douglas is only about 41 kilometers, and the transfer of funds is very convenient.As one of the cities closest to Douglas, Pearson was naturally targeted by Carter.

"But will they not take us to play during this meeting?"

He was happily thinking about a small calculation in his heart, and it hadn't been long before Carter suddenly thought of a not-so-good possibility.
"It's possible, but what can you do now? Wait for now. If it doesn't work, even if you take the initiative to grab the market, you have to train a group of people, and then wait until the working group leaves before taking action. As for now, it's time to do it." Why do what!"

With a "snap", Goodman replied casually.Then, Goodman suddenly froze for a moment:
"Hey, that's not right! We have ample funds now. The purpose of not releasing this loan before is to combat risks, but our ability to resist risks is now very strong. Should we release some as appropriate? After all, the bank has always It’s not a problem if you don’t make a profit and live on your laurels!”

"What is the basic loan interest rate of outside banks now?"

Goodman's words immediately caused the two of them to die on the spot.After the two idiots looked at each other, they chose to ignore the embarrassing question of "Why are you still refusing a loan when you are rich?"After Carter coughed lightly, he asked about business.

"I inquired about the basic loan interest rate, and it is about 13.65% now."

"What about the ones with a period of five years or more?"

Carter was a little bit guilty when he heard the words, the basic loan interest rate is a bit low!

Carter doesn't know if there is such a saying in China about the basic loan interest rate.Anyway, in the United States, the basic loan interest rate refers to the interest rate set by Bank of America for short-term general loans issued to customers with the highest credit rating and the best credit history in the bank.

It can roughly be understood as the lowest interest rate standard of a bank.If it is in a normal year, the basic loan interest rate of 13.65% is already extremely high.In the future, the normal basic lending rate of Bank of America will usually not exceed 5%.

But looking at this interest rate right now, it's a bit weird!Don't forget, now that the federal funds rate is above 16%, why can't the loan interest rate in this market keep up with the benchmark interest rate? !
"Long-term loans over five years at 16.32 per cent and residential mortgages a little lower at 15.83 per cent."

Unlike Carter, who paid little attention to changes in interest rates, Goodman served as the manager of Black Bank.Even if his own bank does not issue loans for the time being, he has been paying attention to and tracking these sensitive data.

Seeing Carter's surprised expression at this time, Goodman, who had heard Carter predict that the federal funds rate would rise in advance, could easily guess what Carter was surprised about.

After reporting the loan interest rates of nearby peers, Goodman spread his hands helplessly:
"It's really not that they deliberately set the loan interest rate low. In fact, for customers, the loan interest rate is already very high, and no one dares to borrow at all. With the current interest rate standard, they can't get a loan for a month. How much is it going to go out, if it is higher"

(End of this chapter)