Rebirth 79: I opened a bank in the United States

Chapter 136 Fifty-six is ​​high!
Fifty-six thousand dollars, can you buy a bank? !

Carter picked his ears, he wondered if he missed a zero.But think about the saying in English, or even the pronunciation in Chinese, there is still a big difference between fifty-six thousand and fifty-six thousand six, this is a number that is impossible to mishear!
Maybe [-] is just the starting price?

Looking around at the "elites" around, Carter suppressed the excitement and impulse in his heart, and chose to continue and so on.look at the situation first
Carter remembers seeing a very outrageous question on Zhihu: How can people not see your depth when you do something for the first time?The answer with the most likes is two words: Shut up!

Carter, who kept his mouth shut, looked inexplicably gloomy against the backdrop of his straight suit and old-fashioned glasses.Through the plain mirror, the pair of azure blue pupils seem to emit a light of wisdom
"Hey, little Black! Is this your first time to participate in this kind of event? Now, what do you think of your question about Forest Bank?"

Just as a light source attracts moths, so a person who shines in a crowd tends to be the center of a small group.At this time, Carter's bright pupils followed this law to attract a fat moth.
Carter turned his head, a little surprised that someone would ask his opinion.As a rookie in the banking industry, being able to sit at the table is only for the sake of being the boss.

Don't you see that there are also a few young people who are just like me, even older than me, standing obediently by the wall?Come to ask your own opinion, are you sure there is no cerebral hemorrhage in ten years?

Or simply to tease the rookie, play tricks on the rookie?Hmm. This possibility is very high!
"See with your eyes!"

Carter, who believed in his heart that he had been molested, silently retaliated with stalks from his previous life.Just kidding, who doesn't know what to do?
"Um"

The fat man looked at Carter's calm eyes and stern face, and pondered over Carter's phrase "see with your eyes". A smile full of deep meaning appeared on his face as if he had an epiphany.

"Makes sense! Let's move on."

"Pfft! Mr. Patterson, your quotation is too dishonest! If it is this price, there is no need to continue this meeting!"

While wondering what the fat man thought made sense, a sneer suddenly came from the venue, which attracted Carter's attention.

"Mr. Randall! Please believe in the quotation we gave after professional review, it is absolutely reasonable! It is also the most suitable quotation!"

Faced with doubts, Patterson did not appear flustered at all.Opening his arms very naturally, he continued to confuse and said:
"Think about it, everyone! You only need $[-], and a bank with good revenue is yours! You pay $[-], and if you add additional funds, the total is less than $[-]. This one hundred thousand US dollars, with Forest Bank’s profitability, it only takes less than two years to earn it back for you.”

"Shet! Put away your hypocritical wording, Patterson! We are old acquaintances, who can you fool with such words? Oh, sorry, maybe little Carter can be fooled by you"

Carter, who was lying down suddenly, blinked his big eyes innocently.
There seems to be no way to refute this!
My first reaction when I heard the offer of [-] just now was that the blood was so lucrative!Not to mention other things, just look at the current asset status of Forest Bank.First of all, it still has more than [-] million cash deposits, so I won’t talk about this.
More than [-] million loans, based on the current limited business scope of savings banks.It is not difficult to guess that [-]% of the more than [-] million loans are residential mortgage loans, and the interest on this loan is usually not too high in the United States.

If it is a home loan, it is a mortgage.U.S. mortgage interest rates usually fluctuate between 3.25% and 4.4% in normal years, and hardly exceed 5%.Housing mortgage loans are not much different from housing loans, but relatively speaking, the interest rate will be slightly higher, about 4%-4.8%, and rarely exceed 5%.

Just take a rough interest rate of 4% to make an estimate.Even if you don't continue lending, just relying on the loan of more than [-] million yuan, the annual profit can exceed [-] US dollars!Pay back in one year!Although the recovery of the principal of these loans cannot be achieved within a year, it also makes Carter feel that the price is really not expensive!
"You have been emphasizing the revenue of Forestry Bank, why don't you talk about the risks? [-], no, [-] capital, guaranteeing a risk of more than [-] million, this is too risky. And the loan can be profitable Of course it’s good, but what if you can’t make a profit? I believe that the bad debt ratios of all banks are on the rise right now?”

With a wave of his big arm, the person who stood up and raised objections to the price unceremoniously stabbed the hearts of almost everyone present.If in anime, there should be a sound effect of "vomiting blood" at this moment
Carter was thinking secretly while eating melons and watching the excitement.Unfortunately, he is now one of the very few people who does not have a headache for the bad debt rate.

Oh, yes, bad debt is the written name for bad debt.The reason why Carter is not worried about it is also very simple:
Just like dealing with moral kidnapping, as long as I have no morals, you can never kidnap me.In the same way, bad debts on loans, bad debts on loans. As long as I don't release loans, I will never have bad debts!

"Under this environment, your one-sided advocacy of profitability is completely avoiding the important! With such a high risk asset, and in such a recessionary year, we take over Forest Bank, and we have to prepare the least amount of reserves for it It also needs [-]!"

"At this time, you still want to sell it at a price of [-]. Hmph, did your FDIC use the insurance premiums we paid to speculate in silver recently? Are you losing your eyes now?! You even lost your basic sanity! "

Fuck!Just enough!
Carter applauded secretly in his heart. After so many people resisted, he gradually realized that the price seemed really high.This is not because Carter is unaware of the consumption of risk reserves, but
30? 50 will do!He has so much money and nowhere to spend it!

Anyway, the [-] reserve fund is transferred to Forest Bank, isn't that also my own money?Once you go and come, it means you have nothing to lose, right?It is nothing more than the money in the left pocket moved to the right pocket, and then the right pocket is temporarily sewn up with thread and cannot be used directly.

The money is still your own money!The bank was won at [-], but the actual expenditure was only [-].

From the perspective of fifty-six thousand, Carter thinks it is quite a deal.But now that someone is rushing into the battle, Carter can't rush out and shout "I, Carter, pay money", right?
"Ahem, Mr. Alves, and everyone. Let me state first, it is impossible for our bank insurance fund under the Federal Deposit Insurance Corporation to engage in high-risk futures transactions, and we are still under the supervision of the Ministry of Finance. Why? It is possible to do such a thing. Even if we want to do it, we can't do it!"

"So I don't want to hear this kind of groundless slander again. However, Mr. Alves' words are also reasonable, so let me take a step back, fifty-five thousand dollars!"

(End of this chapter)