Rebirth 79: I opened a bank in the United States

Question: In a small remote town, what is the price difference between the warehouse rent in the suburbs and the warehouse rent in the metropolitan area?

Answer: Ten times the start!
Originally, Dongfeng Logistics Park was completely a casual thing.In the past few years, except for my own use, there was a thousand mountains and birds flying around, and thousands of people disappeared.
The tenants in front of the door don't say that the house is empty, it is also poor in the mountains.
Didn't you see that in order to save costs, Carter only hired one warehouse manager in the huge warehouse area?It is enough to open the door and turn on and off the main power control at ordinary times.What patrolling, what cleaning, no need!
In terms of security, it doesn't even need a dog, because there is nothing in it to be stolen.
The result is just this one, even if I know that with the start of the two car factories, I can earn a little bit of small investment, but now it is actually a small investment every year.
"What's your name?"

Looking at the rent receipt handed to him by the fat man, Carter was a little shocked.Without mentioning the cost of land acquisition and the construction cost of the simple board-style warehouse.The income of this logistics park is simply exaggerated and frightening:

With an annual income of nearly one million US dollars, the cost of expenditure is only the fat man's salary alone.What's even more amazing is that this fat man is still increasing the price of utility bills!
In order to attract Toyota and other car companies to move in, the Argyle City Government even gave away free land. What tax relief, water and electricity discounts, it must be arranged!After all, for production enterprises, power consumption is really not small.

And the logistics park sandwiched between the two factories naturally also took advantage of this wave of policy dividends.Then.
Carter was pleasantly surprised to find that he didn't even have to pay the fat man's salary!

With such a talent, how can Carter not be interested?
"Royce, Royce Fabre!"

Fatty's face was grinning, although he didn't ask for a reward, but the meaning was very obvious.

"You did a good job! Mr. Fabre, to be honest, it exceeded my expectations. Goodman, please remember to prepare a bonus of 8000 US dollars for Mr. Fabre. In addition, Mr. Fabre, starting from this month, Your annual salary will go from $[-] to $[-]!"

"thanks, thanks!

Thank you boss, well, there is another situation, I think I need to report to you! "

Get a bonus that is basically equal to five years' annual salary all at once, Fabre really laughed this time
"Near the logistics park, there are now many mobile food stalls. Because there is no way to live and cook in the warehouse area, but the employees of the auto parts company need to eat and drink. Therefore, the surrounding canteens and food stalls have also become It’s more, I probably observed that if these food stalls do well, they can earn more than [-] US dollars a month! I’m thinking, the land outside our logistics park should also be our land. They lean against our wall While doing business, we should collect their land rent, right?"

"Forget it, I won't accept this, it's not easy for them to start a small business!"

Carter shook his head with a smile. For such a small amount of money, it would not be worthwhile to make his eating look ugly.

For a business like a food stand, even if a family can bring themselves a monthly rental income of US$500 a month, it is only US$6000 a year.Even if there are 20 of them, it is only 12 this year? !

...

Carter suddenly felt a little regretful, he said this bullshit too early.However, as the saying goes, you have to pretend even when you are kneeling.
"There is no need to worry about the money running away. When they earn money, they will consume it, and consumption will bring about the circulation of money. For us, or from a macroeconomic point of view, the situation we are most afraid of is not the lack of money, but It's the liquidity of money that has declined!"

"For a small area like ours, even if these food stall owners don't consume, they still have to save money. Saving it to us, and then lending it out, can still make the money flow. Money, as long as it flows, To create value!"

After forcibly uttering two nonsense words that are useless to the child, Carter calmed down a lot, and finally turned his attention to Goodman:
"How is the situation in the past six months? After the integration of banking institutions in Atkinson County and Coffey County, in terms of the scale of savings."

"Naturally, it has risen, and it's not small!"

Hearing that Carter finally asked about his core business group, Goodman, as the person in charge, had a bright smile on his face:
"The situation near us is very strange, but it is a very good economic model: on the one hand, the scale of residents' deposits has increased; on the other hand, the scale of loans has increased. The main purpose has changed from the original consumer loans to Commercial loans. Of course, many loans are issued in the name of housing mortgage loans, but...in our place, everyone knows who they are! Everyone knows what they are used for."

"Wait, the scale of household deposits has increased, isn't this a good signal?"

Regarding the increase in lending, that's really a good thing.The increase in loan scale usually means that market confidence is restored, and borrowers have confidence in the future income they can generate, so they dare to borrow.

However, the scale of residents' deposits has increased, which is a completely opposite signal.Why do people choose to deposit their money in banks?Because I dare not spend!

Instead, it is a manifestation of a loss of confidence in the market.Combined with his speech just now, Carter felt a little slapped in the face.
The front foot is still saying that the most critical indicator of money is liquidity!
As a result, the deposit scale has increased, which means that liquidity has decreased. As a result, Goodman actually said that this is a good thing? !

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"Haha, you have to look at the environment. What did we experience in the past two years? The inflation rate both broke ten, and even broke through 81% in 15. According to our deposit interest rate, money is deposited, but it is in a state of depreciation. Then You also know the situation at that time, in order to absorb savings, the deposit interest rates of various banks are really crazy, and they are going up desperately. But even if that is the case, how many deposits can they only absorb in those few years?"

"Guess how much our current residents have saved?"

"Do you count the loans issued? If you count, the total should be more than [-] million?"

Calculate the total population of Atkinson County and Coffey County, more than 1000 people.As long as the per capita deposit scale is [-] US dollars, the resident deposit alone can reach [-] million or more.

But thinking about the tragedy of the previous two years, Carter was a little undecided again.After all, let alone Douglas, there are still about [-] people living a life of repaying loans every month.

This group of people, let alone saving a thousand dollars, can save a hundred dollars is a wealthy family!

"Hahaha, you underestimate our efforts over the past few years, don't you? Compared with the turmoil in the outside world, how many projects have we started, how many jobs have been solved, and how many people's incomes have been preserved."

When Goodman heard Carter's words, he suddenly laughed perversely.As if venting, he suddenly waved his fist:
"Tell you, it's a total of [-] million! After subtracting the [-] million reserve fund, and then subtracting the loans we have issued, the funds we can use now"

"Three hundred million!"