Rebirth 79: I opened a bank in the United States

Chapter 142

"Of course! Just like what I just told you, Mr. Patterson! I have sufficient capital reserves, which can guarantee that even if all the loans of the Forest Bank have bad debts, I can still bear it!"

After cutting off a piece of beef, Carter stuffed it into his mouth in no hurry, and showed Patterson a confident smile.

Now that the other party knows what should be known, Carter doesn't have to pretend as long as the total amount of funds he actually controls is not exposed.At this time, instead, it is necessary to show a little bit of strength to build up the confidence of Patterson, a temporary partner:
"Well, even if you add more than [-] million yuan in deposits to pay depositors, there is no problem. With more than [-] million deposits and more than [-] million loans, the maximum loss is only more than [-] million yuan. Don't worry, I can handle it!"

That's more than seven million
A piece of beef that was swallowing in Patterson's mouth was not stuck directly in his throat.After taking a sip of wine and swallowing the beef, Patterson coughed twice:

"You can't say that. You do business to make money, and now we are friends. As friends, I can't just watch you keep losing money, can I?"

Reminiscent of the Vacheron Constantin on Carter's wrist again, Patterson had to express his trust in Carter's choking words.After all, a person who is willing to spend tens of thousands of dollars to buy a watch that he doesn’t need should theoretically have more than seven million yuan, or even more.
"After I go back, I will ask the three of them to submit financial reports to me every month, and every two months, I will arrange people to go down for inspection. I will try my best to help you share their energy. No, financial reports come every half a month."

Patterson, who was rebuilt by Carter's actions, or his own discovery, coughed twice in embarrassment, and returned to his high-spirited state again.

Seeing that Carter was not in a hurry to eat, he simply put down the knife and fork in his hand.Tapping his fingers on the table, Patterson contemplated his own plan, or rather his plan to join forces with Black Bank:

"After today's incident, these inspections are of no use. They can't leave us with a handle. I only hope that you can carry it through these months."

"They cut off the loan for no reason, and the pressure will not be small. Once they cut off, there will be a lot of new unemployed people in the local area. At that time, the pressure from the city government will also increase the bad loan rate of their own loans and reduce cash deposits."

"In just three months, I guess they won't be able to handle it anymore. It won't even take three months. I might be able to catch their problems in about two months."

"Mr. Patterson, sorry, I may need to interrupt you. First of all, I agree with what you said very much. But in this process, we will lose a lot! Pearson's unemployment situation is not optimistic, If this kind of thing happens again, for us, the loss that needs to be borne may be more than seven million. If possible, can this cycle be accelerated?"

Patterson was talking so lively, Goodman interrupted suddenly.In Goodman's mind:
The old Bass can threaten the FDIC or the Forest Bank, nothing more than using the loan to forcibly reduce demand, thereby destroying Pearson's economy.Just like what Patterson said just now, this is a way to hurt one thousand enemies and eight hundred self-harms.The two sides fight to see who can carry it better.
But there is also a problem here, that is, the advantage of three companies over one family!Their family lost [-] yuan. For Black Bank, they would have to pay [-] yuan to resolve it.

People will starve to death!They cannot go without food and without income for a long time.If the unemployed population in Pearson City really breaks through a dangerous threshold, it means that the bank will have to spend more money to support them with loans.

This logic is incomprehensible, let alone the pressure from the city government and the responsibility of the savings bank, and the fact that they can no longer file for bankruptcy.Just in terms of purpose, what is the purpose of taking down Forest Bank?
Make money! !Even if the bank can't make money for a while, it will make money in the future!

And the premise of making money is that the local people will recognize you, and then they will put the money in your bank and dare to borrow money from you.If the citizens of Pearson are struggling to survive and need your loan to help them most, you close the door.
Then when you open the door, no one will step in again.In that case, the forest bank will be taken for nothing, and all the investment in the early stage will be in vain
"It's hard to say Mr. Goodman. Judging from the current situation, the assets of the three of them are still very good. Whether this cycle can be accelerated is not up to us, but to them."

As soon as Patterson heard what Goodman said, he understood what he meant.After understanding, Patterson could only helplessly spread his hands:

"If they attack fiercely from the beginning and directly block the loan channel, as long as you can withstand this wave of charge, their downfall will be very fast. If they are steady and steady, then...it may not be over in two or three months. .”

"But everything is relative. If they slow down, your pressure will decrease accordingly, won't it?"

"That's right! Uncle Goodman, you don't have to worry too much. There is an old saying in China that soldiers come to block, water comes to cover! With our current strength, are we afraid that they will fail?"

"Hahaha, that's right! Let them come, we'll just see what happens"

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"Carter, why? I need an explanation! Even if we can't speed up, we can take the opportunity to ask for more benefits. For example, the amount of borrowing from the FDIC in the future, such as the Bank of Bath"

On the car back to Douglas, Goodman, who was driving, couldn't bear his temper after a long period of self-repression:

"You are the boss, I shouldn't have said anything. But if Patterson's plan is implemented, once the cycle is extended, it is impossible to predict how much we will have to pay! I know that you are bound to win Forest Bank, so pay more , as long as we can afford it, it’s fine. But you shouldn’t agree to him so directly! The FDIC is not a good thing either! If you just agree to them.”

"It's okay, Patterson is a smart man, some things don't have to be said too directly. Besides, the FDIC is not a good person, are our colleagues just some good birds? Or are you worried that we will be isolated by our colleagues?"

Looking at the scenery passing by outside the window, Carter grinned.Come to a meeting today, it can be regarded as an increase in knowledge.
"But no matter how bad my colleagues are, that's okay."

"What is that? One of us? Or common interests? Maybe now, we are on the same side. But in two years? When they can't bear it, do you think they will come to us to ask for the loan back? ? When they come to the door, will we pay it back?"

Goodman was speechless because he was not a nice guy like Old Blake.Do you want us to pay back the money before it's due?As for expiration. Look at the current environment, let's talk about it later.
"But our money is limited, a bank can spend so much, after that"

"Let's do it step by step, first get it done now and then later. Goodman, you know, from the time we borrowed the six million, we are no longer part of the Bank of Georgia."

(End of this chapter)