Rebirth 79: I opened a bank in the United States

Chapter 318 Jimmy's Creditor
Carter can divide the issue of credit card business into two parts: customers and merchants!
These two problems complement each other, and it seems difficult to do which one first.Similarly, once one aspect is done well, the other will also follow suit.
Compared with the direction of customers, Carter feels that merchants seem to be easier to solve.For example, start with a simple hotel and talk to some big-name hotels.The bank advances funds first to obtain exclusive benefits, negotiated unit prices, etc., or directly negotiates with merchants on the condition of increasing customers.

At the beginning of the period when the number of customers is not enough, some subsidies are given to merchants at a loss, which is also a waste of money for merchants.The possibility of being rejected is not very high, or the basis for cooperation is relatively solid.

But the convenience of customers is a bit difficult to deal with. Some things must be good if they are really not high-end.If the grade is made too high, there are only a small number of people who can really afford it and consume it.For example, the Lamborghini five-yuan coupons and Porsche five-yuan coupons that appeared in a certain event are no different from waste paper.Once there is a deviation in the positioning of the contracted merchants, it is easy to create a situation where it is popular or not, and it is still a blood loss.
Thinking about it this way, the problem seems to come back to the customer. It is necessary to accurately confirm the customer group first, and then according to their needs, look for a special service provider that matches the target!
While thinking about the issue of credit card business development, Carter drove to Plains.Carter is no stranger to the location of Droste Bank because he has come to collect the money before.

"Mr. Black, good morning!"

When we met again, David Jefferson, the manager of Droste Bank, had an unnatural expression on his face.After all, he was still a client the last time he met, but this time he became the boss. The change in status is indeed a bit big.

"Good morning, Manager Jefferson! Is everything going well recently?"

"If you're talking about dealing with deposit debt, then you're good. Debt is usually not a big problem with sufficient funding, it's just that are you really sure you want to lower the deposit rate to 12 per cent? That's likely to lead to Droste's cash in stock has been run out?"

Jefferson seemed to feel that his words were a bit too straightforward, but he was reluctant to part with this rare opportunity to have an interview with his new boss.So, forcibly tactfully said a wave of words:
"It's not that I doubt your strong assets. It's just that I'm at a loss for the value of Droste Bank. If a savings bank loses its most basic storage function, all its other businesses will come to a standstill."

"It doesn't matter, this is only temporary. The cost of storage and storage is too high during this period, and it is not a good time to increase. In terms of funds, you don't have to worry about it for the time being. The funds of Black Bank and Forest Bank will slowly gather here. Loans For the application, you should follow the normal process for approval and processing, and it can temporarily support the funds you use for the loan, 300 million."

"I believe that 300 million US dollars is enough for you to put down the loan for a while? By the way, has the farmer who applied for the postponement of repayment arrived?"

Reassuring the newcomer to Black's banking system, Carter asked about the particular farmer.Carter has been curious about the guy who can make Goodman, a person who seldom jokes, go out of his way to keep a close eye on him.
"Okay, Mr. Carter has arrived! Please follow me to the reception room!"

Mr. Carter? !
Carter, who was walking towards the reception room behind Jefferson, frowned suddenly, could it be.
"dong dong dong~"

Knocking on the door three times, Jefferson pushed the door and entered while introducing:
"Mr. Carter, I've been waiting for a long time. This is our new boss of Droste, Mr. Carter Black! Mr. Black, I don't need to introduce this one, right?"

"No, no. Hello, Mr. President! Or, good morning?"

We know that Jimmy Carter is from Georgia, but who knew he was from Plains? !The famous Comrade Renzong actually appeared in front of him in this special way.

What's more, he actually became his creditor? !This strange experience made Carter a little nervous for a moment.

"Good morning, good morning! Although Mr. Black has heard of you for a long time, I am still surprised by your youth. Also, please correct me, it is the former President, please sit down!"

Obviously a debtor, but Jimmy Carter's expression at this time did not show any tension or panic.With a faint smile on his face, after shaking hands with Carter, he took the initiative to invite the latter to sit down.

After a set of movements, it is called smooth and natural.
"Since I returned to my hometown at the end of January, I have heard your name countless times in the past month. Mr. Black"

"Just call me Carter, Mr. Carter!"

Although a little strange, Carter still said with a smile.On Jimmy Carter, Carter felt a little pressure.This feeling is very strange. The other party is obviously very easy-going, but it can make people unconsciously tighten their attention.

Carter felt that he should be influenced by the name of the other party's former president, but forget about this kind of thing
"Haha, good. Carter, you have done a good job, at least in terms of contributing to our hometown, I am not as good as you."

"No, no, Mr. Carter praised me. I, I just played a little clever. You don't blame me for continuing to push up local prices. I can't afford this praise."

"Hey, you deserve it! As for the price issue, you are scolding me! Hahaha, don't worry, with your current strength alone, you can't affect the general trend of the country. Even if Mr. Volker knows about your He can't say anything wrong with what he did. After all, you are for the people in your hometown, and it is our responsibility to ensure that people live and work in peace and contentment."

Jimmy's words are full of guilt towards himself, and Carter is not good at evaluating whether Jimmy is a good president.

"Now we haven't done something well, but you have done it. Even if the scope is limited, it is still a commendable thing. Your future is limitless!"

"Okay, let's put this question aside for now. Let's talk about the loan issue of Carter Farm. The president's pension has not been paid yet. The only money I have on hand must not be able to repay the loan. I don't know if you can Will you allow me to postpone the repayment for a period of time? You can charge the penalty interest during the delay.”

"This is the place where I grew up, full of childhood memories. If there is no accident, I came to this world from here, and I will leave here in the future. If possible, I really don't want it to be sold cheaply."

"As for the repayment issue, you can trust my solvency. In addition to the pension, I can also write a book and use the manuscript fee to repay the loan. The guaranteed sales of this book will be 10 copies, and the manuscript fee will definitely be enough to pay for the loan. Just This income also takes time, and I am currently thinking about where to start writing, but it should not be delayed until the next year at the latest, which is 1983."

(End of this chapter)