Rebirth 79: I opened a bank in the United States

Chapter 387 Enclosure Movement (addition 1)

A financial novice, plus a manager of a traditional American savings bank who is full of old and rotten wood, although he is a bank manager. You really can't expect him to have such fancy financial market operation experience.
It is basically equal to the state of half white and not white sandwiched raw rice, right?

When such two people discuss financial derivatives, naturally they can't discuss anything.Even in the minds of the two people at this meeting, there is no concept of this derivative product.

Fortunately, if the financial market is temporarily put aside, the two can still discuss some substantive content!

"The first phase of the plan to become bigger and stronger and to create another glories is tentatively scheduled for four years, right? It happens to be the four years I have been in New Haven, as the first periodic development plan of Black Bank: based on Coffey County The city of Douglas and the city of Pearson in Atkinson County are the anchor points, and in conjunction with Plains in Sumter County, which is the prominent part of the regional market, constitutes a south-central triangle of Georgia."

After returning to Douglas, Carter, who was in the hot blood, didn't even go home, and followed Goodman straight to the bank.Back in the familiar office, took out the map, and Carter started his own "enclosure movement".

For traditional savings banks, the site and the population on the site are the most important!
The nature of its business determines that it is impossible to attract customers from different places as easily as commercial banks.The strong geographical attributes determine that if you want to expand the business scale of savings banks, you are doomed to grab land.Since it is a land grab, how to grab it and where to start is worth discussing.
"The strategic goal in the past four years is to eat as many savings banks as possible in this triangle area. For example, the savings bank in Americus, the Sumter County seat, can become our next stage goal. This small town with a population of less than [-], even with the expressway project over Plains to help relieve their pressure, should have limited overall strength. When our situation eases up, we can talk to them about mergers and acquisitions."

"Would this be a bit too big? If they are connected in such a triangle, they will have to cross four or five counties including Ben Hill County and Irwin County! What do you think we should cultivate our Kofi County first? Kofi The largest city in the county is our Douglas, and there are still some scattered savings and credit unions and other township savings institutions, which are not difficult to annex."

Unlike Carter, who is slightly more radical, Goodman is more inclined to eat a piece of land conservatively after calming down, and then consider the expansion of the next piece of land.

just
Douglas is actually the largest city in the county even in a bigger place? !

"Why are you so surprised? There are 159 counties in our state, and you don't even know how big Georgia is. Poor counties like ours are completely incomparable with Fulton County, where Atlanta is located!"

"No, I'm just curious, since our Douglas is the largest city in Coffey County. Where is our county seat? I don't seem to have seen them usually, BR County Sheriff's Office or something."

"The county seat is in Douglas, but they are useless. On the west side of the city, after you go out, keep walking. There is a jail. That is the Coffey County Jail. The county sheriffs usually drink coffee there and work as prison guards! Usually the city Here, isn't there a city police station here!"

Carter: .
The sheriff of this small county is really a good place to fish in water.
"Not only is our Coffey County shabby, but the Atkinson County next door to us is not much better. In fact, they are poorer than us! Except that the county governor Pearson was a little better than us because he could sell wood. Both population data and economic data are far inferior to ours. Basically, outside of Pearson, it is a county that does not shit. Our county is a little bit better, at least it belongs to the kind with a few bubbles of bird shit .”

This metaphor is really strange!
Looking at Goodman, who opened up the map gun and was crazy about the black area, Carter was a little puzzled again:

"Since this is the case, it shouldn't be difficult to annex the township savings banks in these two counties. Doesn't this conflict with my vertical expansion plan?"

"From the perspective of merger and acquisition costs, it is not a conflict. But I think it is not good to rush to Sumter County so far away. We can temporarily treat Plains as an enclave, and first focus on our current influence and market. Atkinson County and Coffey County, which have the highest trust, are completely absorbed and digested. Then slowly develop there, for example, after digesting these two counties, the next step is our northwest Irwin County.”

"That's okay, it just so happens that the pressure on capital turnover is relatively high now. Taking over the township savings banks in these two counties and completely turning these two counties into our storage places and incorporating them into the Black Bank system can be regarded as stabilizing the foundation Do you think the name needs to be changed after the merger? I always feel that Black Bank sounds a bit shameful."

After listening to Goodman's suggestion, the visual sense of a board game is getting stronger and stronger!
According to the Georgia Constitution, there are only 159 counties in the state.It is impossible to have a 160th county anymore. Apparently, the state government also seems to know that according to such a division, if counties continue to be set up, there will be an immediate explosion of fishing jobs below.Therefore, at the legal level, the expansion of county-level administrative units is restricted.

Then came the interesting part, the site was divided into 159 fixed areas by administrative order.Due to the different developments in different regions, the economic strength of these 159 sites is also different.The richest is the state capital, which is also Fulton County, where Atlanta, the center of the southeastern United States, is located.

According to the classification of online games, this territory in Fulton County is undoubtedly a big boss level existence.The difficulty of the challenge is directly full of five stars, the kind that players need to be cautious about before they have a certain combat power.
The next level is represented by Bibb County, where Georgia's second largest city Macon is located, Muskogee County, where Columbus is the third largest city, and Chatham County, where the largest port city Savannah is located. Planted, the challenge difficulty is four stars;
The third tier is Dottier County, where Albany is located. There is a special ghost thing like a garrison base, which forcibly stimulates domestic demand, resulting in a good economy, or a superior geographical location, but some counties that are not as strong as Savannah. where it is.

Going down, the fourth and fifth tiers are Coffey County, where Douglas is located, or Atkinson County, where Pearson is located. It seems to be a county-level unit, but to be honest, even some cities Not as good.
A bundle of two, three, or three or four such counties is not enough for one Atlanta to fight.
The fourth gear is slightly better than the fifth gear. In Goodman's words, it is the fourth gear: a few bubbles of bird shit, and the fifth gear: no bird shit!

According to this grading standard, Carter is still a little happy.Speaking of which, after these two years of tossing, Douglas should, barely, be considered a bit of bird shit, right?

Forcibly pulled Coffey County to the fourth tier, and as for Pearson, it's about the same
At least Atkinson County is now much better than the average Niaobushi County!

　The details of the rewards from the bigwigs last month have been released, the total amount: 576.According to the standard, 6 chapters should be added, and I will try to finish adding them in the next few days!Thanks to the boss of "Autumn Leaves Falling Quietly and Injured", the boss has been waiting for a long time!

　　
　
(End of this chapter)