Rebirth 79: I opened a bank in the United States

Chapter 360 Secondary Middle Row

"If you want me to say it, I think it's all important! If there is a choice, I don't want to give up on either side!"

Children only make choices, adults of course I want them all~
A little joke that was often heard in the previous life suddenly popped up in Carter's mind, just this.
It sounds good, but how can there be such a good thing in reality?

"By the way, you just said that your Toyota's initial investment plan is 2000 million US dollars, right? Then I will provide about 10% of the loan, which is enough to make your father and grandpa feel at ease?"

"It's about the same. I haven't entered Toyota yet, so I don't know the details. But there are more than 2000 million U.S. dollars. It's Toyota's first U.S. factory. It's one thing not to take big steps, but Too cautious, that's not our Toyota style!"

"Besides, 130 million square meters, it can't be wasted, can it? Last year, when we were in the United States, Toyota sold 58 vehicles in the US market alone. Now it's stuck at 51. The gap alone is 7 vehicles. Plus the planned increment until the plant is completed."

Akio Toyoda shook his head as Carter expected, obviously feeling that Carter's idea of ​​wanting to accept all orders was a bit unrealistic.Then, in order to persuade Carter to return to the right path as soon as possible, Akio Toyoda continued to introduce and seduce:

"Basic estimates, the production capacity of Toyota's Georgia plant should not be lower than the annual number of assembled vehicles: 10. If the subsequent cost of importing spare parts is too high, then the supporting parts manufacturers, engine factories, etc. have to be built simultaneously and stationed in Georgia."

"In this way, it is easy for the flow of funds to exceed 200 million. In this process, your most direct and crude settlement income will not be less than [-] million every year! And this is relatively basic, and it cannot be said that it will be possible in the early stage. You can get it, but it will take only a few years to get direct economic income, isn’t it better than setting up some hotel business in China?”

According to Akio Toyoda, the assembly of these 10 vehicles is obviously only to make up for the losses caused by the self-restriction agreement.Think again about what I learned from the future, Toyota once ranked first in the world in the market value ranking of the world's auto companies.
The minimum guarantee for these [-] cars is obviously not enough to meet the needs of the United States, North America, or even the world market.It is almost inevitable to expand its factories and increase production capacity.Thinking about it this way, it seems more appropriate to first invest funds in cooperation with Japanese car companies.

But on the other hand, Carter doesn't want to leave the hotel business in China.After weighing up and down, Carter thought of the worst solution in his mind.
"How about I mortgage the stock?"

Leaning against the hot spring pool, lighting a cigarette.Carter said suddenly.
Mortgaging stocks is not a rare thing. Long before coming to China, Carter had the idea of ​​mortgaging stocks.But so far, except for the cooperation with Japanese car companies, Carter has not found a place to spend a lot of money, so this idea has gradually faded. Until now!

"Mortgage HT's stock?! Are you crazy? HT's benefit is good, but its size can't be said to be small, but it's not too big, is it? Are you going to give us a high profit?"

"That won't work! I estimate that the ten-year loan interest rate for you is 6%. As for my side, it should be at least 10%! The current interest rate in the United States is too exaggerated, and the one-year loan rate can exceed 20%"

Carter waved his hand, indicating that the other party was relieved.

After all, no one is a fool. For a company like Toyota, if you give them high profits, isn't it contemptuous?This is not a question of not being able to pay back, it is money that cannot be borrowed at all!
For a listed company, if a high-interest rate debt suddenly increases, what will investors think after seeing it?
Do you have a problem!Did you falsify your financial report? !

Obviously, the revenue is written so beautifully, why can't you even come up with such a small amount of cash?Are you going to borrow this kind of usury? !

In particular, after the introduction of the self-restriction agreement, the performance of the stock market itself is not very friendly to Japanese car companies.At this time, if you add another high-interest debt.
One can't do it well, believe it or not, the stock price will jump off the building every minute for you to see?

There is one thing to say, this loan to Toyota really made Carter feel bald:

The total amount of the loan should not be less, otherwise people will be dissatisfied and think you are not sincere; the loan interest rate should not be high, otherwise people will not think you are not sincere, but instead think that your brain was caught by the door when you went out, or you are doing things sincerely up!

So in this case, if you are not willing to give up your planned hotel business in China, then losses are unavoidable.
"I roughly calculated, assuming that you invest a total of 1 million U.S. dollars, then I will bear 10% of the loan, which is 10 million U.S. dollars. Calculated at 100% annual interest, I need to pay about 60 million in interest every year, and yours Side will give me 40, which means I lose [-] a year."

Under the gaze of Akio Toyoda who looked at two hundred and five, Carter raised the corners of his mouth and smiled, pointing out the most crucial point:
"The difference of 40 yuan, I plan to use settlement income to make up for it!"

"Are you enlisting my army? If you don't entrust the settlement business to you, will you stop doing it?!"

Before, I felt that Carter's operation was like a clown, but now I feel like a clown.
Akio Toyoda didn't know for a while whether he should be angry or funny.That's right, the key to the so-called settlement income is whether it can go through the channel of Black Bank!

If you don't go through the channel of Black Bank, then no matter how much money it has flow.For Carter, there are only follow-up benefits brought about by revitalizing the market.

For example, with the arrival of Toyota funds, when the citizens of Argyll went to work in factories to earn money, their spending power recovered.In order to match their growing consumer demand, when the shops expand and expand, they can only come to the Bank of Bath to find loans for themselves.

I can make money from this aspect, but I can't make money from Toyota!Carter remembered it clearly, or rather understood it in his heart.
Everything that Akio Toyoda said earlier is a picture!He himself has no right to decide the settlement channel. In fact, for such a large enterprise, their capital flow channel usually chooses a relatively large bank.

According to the information I found, when Toyota entered the US market in the early days, it seemed that it landed from California.Unfortunately, there is a giant bank in California, the National Bank of America!
Don't choose such a more secure large-scale partner who has cooperated before.Instead, turn around and choose yourself?
Carter touched the pinch of golden hair on his head, he was obviously not the illegitimate child of the Toyota family.Then why do you think you are so beautiful?With his own face?

"Hmm~ If there is no settlement business to make up for the loss, then am I not doing charity? I really do charity. Can you believe it? Trust me, an American banker, with a conscience, and give back to the society?"

Smiling and making a little joke, Carter is not greedy:

"Don't worry, I don't want the position of the main middle bank, and I can't afford it if I want it, so I won't talk about it. In short, my request is: I don't care who your funds use to enter the United States! But after entering the United States, in the When entering the Georgia area, you must go through my channel! Similarly, as a secondary intermediary bank, I will also give you a satisfactory quotation in terms of handling fees!"

(End of this chapter)