Rebirth 79: I opened a bank in the United States

Chapter 388 Black Flag Bank Holdings (plus 2)

"What's the matter with Black Bank? Is there something wrong?"

With Goodman's experience and thinking, it is difficult to understand what is wrong with using one's surname as a business name.Not to mention the shame: Surnames are passed down, and businesses, don't you want them to live on?
"That's right, it feels weird, it's too personal! I think if we really want to be that kind of big bank! Regional, national, or even a big global bank. A name that is too individualistic may become a big bank. The unfavorable factor is the first impression, not very professional, like a grassroots team.”

Just imagine, when China Merchants Bank becomes what Hu Hansan Bank looks like, you can understand Carter's emotions at this time.Although it is difficult for Americans to make such an analogy, who made Carter's thinking neutral?

American thinking has it, but the Chinese thinking mode is also deeply ingrained in his mind.

"Then what name do you want?!"

"I don't know. It's too difficult for me to choose a name. What's your opinion?"

"What gave you the illusion that I'm good at naming names?"

Carter: .
Looking at Goodman with arms folded and an expression of watching a child play, Carter was a little speechless for a while.It seems to be the same. If this dick knows how to name it, the name of Black Bank may have been changed long ago.
"It's still Black Bank, but change Blake to Black, how about Black Bank?"

Carter blinked, feeling that he was extremely witty at this time!Since the name will not be taken, then simply change the character
At least, although Black still sounds like Black, but compared to Blake, it is not so directional anyway! Blake Bank sounds like Black's bank, and Black Bank
"It's not that bad. If you don't know it, you think it's a black bank."

"Ah, it seems to be the same"

Although the name was rejected, since Black was mentioned, a term suddenly popped up in Carter's mind: Blackstone Investment Group!Their names seem to be Black or something.
Now it seems that I have never heard of the existence of Black Stone, so should I steal Black Stone's name?

Carter stroked his chin, thinking about this possibility.But I also feel that doing this seems a bit unreasonable. After all, I just snatched Rujia's name, and then turned around and...
This was too petty for Carter, who aspired to become the new richest man in the world at this time.What's wrong with stealing someone's name?Could it be that if you change your name, you can't do it yourself?

Leave the black stone to him, I will use the whole black water to overcome the soil, hehehehehehe
Damn, Blackwater seems to be the name of a mercenary company.
Carter was a little depressed. The first step of the big cows in the overturning era actually died on the name? !
"Then add something in it, such as Blackgold, black gold; Blacksilver, black silver; Blackcurtain, shady. Cross this out!"

"Stop, stop, just black silver! You might as well not change your name if you want to change it! If you have to change it, this is it."

Goodman rubbed his aching temple, and gave his opinion very silently.

"No! I thought of it! Black Flag Bank! Blackflag Bank! In the future, we may also establish commercial banks and investment banks, which will be unified under Black Flag Bank Holdings. What do you think of this name?"

Black flag is good, black flag is wonderful!

That flag is the essence
Although according to past experience, flags cannot be set up randomly, but at this moment, Carter wants to take a gamble!
Now that you have decided to make a breakthrough in the United States, what about setting up this flag?What's more, if it is placed in the Chinese context, the black flag can still be compared to Citigroup. They are all flags. My black color drowns your color. Is there anything wrong with it? !
"All right, whatever you want. But you just said that you plan to separate the investment banking business?"

Goodman touched his chin. Compared with a name, the business is the focus.

"That's fine. In fact, I also suggest going independent for consumer credit and commercial credit business, and setting up a dedicated commercial bank to operate. In this way, the restrictions on the savings banking industry will be much smaller. But this is not urgent. If you want a newly established business Banks, investment banks, and the relevant talent pool, we are too weak now, and Douglas can’t attract any real talents.”

"Let's do it step by step. Let's develop the savings bank business first, and then talk about the next step. But this is a good idea. I heard that some banks in New York will use the method of bank holding company to avoid banks not allowing cross-industry operations. At that time, the trust business in Black Bank can also be independent and become a new subsidiary of Black Flag Trust.”

"Yes, that's what I think. Now that the 80 Bank Law has granted our savings bank a certain limit, cross-industry business license. Then we can build a framework based on this."

Carter smiled and nodded, then took the pen and paper, and began to write and draw the future Black Bank, no, it should be the development framework of Black Flag Bank:

"If cash reserves are not considered for the time being, our Black Flag Bank now has about 500 million consumer credit and commercial credit lines in a certain geographical range, including credit card business. This 500 million line, after the reserve ratio is sufficient, I will make it up as soon as possible. I believe that the quota of [-] million should be able to meet our current market needs. How many savings banks are as well-capitalized as ours?"

"I plan to split the previous, more confusing and general personal mortgage loan. According to its loan purpose, for example, we used to have the most loan demand, the residential mortgage loan is specially handed over to the mortgage business group; and the personal consumption loan, or The original personal mortgage loan for the boss, but actually used for business operations, can now be operated in compliance.”

"Personal consumer credit is temporarily merged with the credit card business into a personal credit business group; then a commercial credit business group is added, and our main loan business is temporarily split into three different business groups."

"The staff of the personal credit business group should be trained to be closer to professional managers who are professionally engaged in providing loans to individual customers, such as credit card managers and small unsecured loan managers."

"The staff of the commercial credit business group is aimed at meeting the credit needs of institutional customers and corporate customers, and they specialize in this area! For talent issues, we can't always rely on the outside. We also need to have an internal area that allows talents to grow Fertile soil!"

"In the past, maybe the environment did not allow it, or maybe we didn't pay attention to it. But from today, after the implementation of the new regulations on September [-], everything in the past is history!"

"In addition, the equity investment business group can also be established first. I will personally lead this business group! It's okay if there is no manpower for the time being. Later, we will redo the personnel planning."

(End of this chapter)