Rebirth 79: I opened a bank in the United States

"Heiqi, can you get [-] million funds?"

After knowing the reasons for the increase in the deposit scale, which came from the opening of AtS and Now accounts and Douglas, or that the confidence of residents in the two counties near Atkinson is recovering, Carter naturally understood that this large deposit is not suitable. tampering
On the one hand, the high liquidity of AtS and Now accounts requires the black flag bank to set aside enough cash to pay depositors' withdrawal needs; on the other hand, it is in the future, a time that may be uncertain On point, a larger wave of withdrawals will come.
When the residents' confidence in the market is completely restored and they have money in their hands, it is not so easy to suppress the consumption desire that has been suppressed for so many years.

To judge others by yourself, suppose that you have worked hard and finally saved [-] yuan, and you are planning to change a kidney machine or something to reward yourself.As a result, the bank couldn't withdraw the money? !
Maybe it's not really impossible to get it out, but it's a horrible thing to wait for two days
Whether the newly recovered confidence in the future will be wiped out by such a pot of cold water will not be said.At least, for this bank, I can't justify my impression points.
But the truth is the truth, really seeing such a large amount of cash lying in the bank's vault without moving.
Unless money can give birth to cubs, this kind of thing is a crime for Carter, who is becoming more and more capitalized!

Big money, let’s not move, [-] million is about one-tenth of the total amount, one-sixth of the existing cash scale, this problem shouldn’t be big, right? !
"Fifty million?! Why do you want another fifty million?!"

Hearing Carter mentioning money, Goodman instinctively became nervous.Even his expression became extremely vigilant, and he took two steps back unconsciously.
"What do you mean I can't keep the money if I want it?! Long-term loans are prone to problems. What about short-term?"

Carter looked at Goodman's subconscious little movements, feeling very speechless in his heart.
"I'm going to use the money to start a new commercial bank. On Douglas' side, although we can issue those commercial loans in the name of residential mortgage loans, you and I understand that this is not a compliant operation after all."

"When the start-up period in the crisis is over, if you want to grow bigger, Black Flag will inevitably embark on the road of compliance. According to our prediction just now, it is already a matter of time before the market returns to the long-lost normal state! And , This time is not too long. Registering a new commercial bank will make it much easier to operate in the future.”

"The problem is, we don't have the soil to support the development of commercial banks!"

Goodman breathed a sigh of relief when he heard that Carter took the money, not tossing emmm, at least the investment was not in a direction that he had never heard of and could never think of.However, Goodman still expressed his opposition to Carter's proposal:

"Douglas, including Coffey County, is not a place where business thrives. This is not Fulton County!"

"Some of our small businesses here have a low ability to resist risks, and we don't have a broad market here. Even if we have developed well in the past few years, you can't expect that we can compete with Atlanta or Columbus now." Compare?! The population of one city is more than our entire county! No, it is even more than our two counties combined!"

...

"Population means the market! If a new product comes out, if it is sold in Atlanta, their sales, that is, the return of funds will be much faster than ours! Moreover, we don't have any strong enough blockbuster products here."

"Peanuts are also digested in this state, and peanut butter processing is basically a buyer's market in Zuozhia. Those large peanut butter processing factories hold the pricing power, and our farmers here can't make money, let alone grow peanuts. A certain large company was born from the foundation.”

"Except for peanuts, cotton, and pine. The situation is basically the same, and what else do we have besides the Zuozhiya three treasures? The kind, outside the state, people will know that this is a good thing, and are willing to pay for it ?!"

"This commercial bank is established here, not even as good as it is in Argyll. Of course, the premise is that if the two factories of Toyota and Nissan need loans. Their loan needs, we also. Do you understand?"

"Understand! Of course I understand!"

Carter sighed. Although Goodman didn't say it clearly to save face, the fact is that Toyota doesn't need its own loan at all.Mitsui Bank or Sumitomo Bank behind them, the money they can give, and the interest rate, which one is not better than yourself?

Is it worth it? !

However, as the saying goes, if you are poor, you want to change.

Carter sighed because he was worried about the unlucky place of Zuozhiya, but in fact, Carter already had an idea about the commercial bank:

"I didn't plan to open this commercial bank in Zuojia. As you said, Zuozhia, the place we are most familiar with, Douglas, for the small businesses here, the repayment period is relatively short. Long-term loans are what they need, and they dare to borrow. They can't afford the kind of high-turnover loan that needs to be repaid in a few months or even a month, and I guess they don't dare to borrow."

"I'm planning to drive the commercial bank to Connecticut! It's close to New York and Boston, and the city is bigger than Douglas. Plus"

After talking to Goodman about the idea of ​​developing the supporting land for the Panda House and the loan support, Carter continued to add:

"In addition to short-term commercial loans to enterprises, I can enter the market through land and small and medium-sized real estate developers. There is also a geomantic land there!"

"What geomantic treasure?"

"Yale University!"

"What do you mean? I don't understand?"

Goodman frowned:
"You mean, you got through with Yale, and you can get them to take out the loan?"

"What, you don't know what happened to me this year, how can I have so much energy, or how can I have so much leisure!"

Carter rolled his eyes helplessly, a little bit of a real realization of the limitations of thinking.

Although the public business makes money, the order volume is also very large.
But can we stop staring at this one? !
"What I said is, my goal is, the students in Yale University!"

"Students? How much can they borrow, and their qualifications"

"One student may not be able to borrow much, but once there are more people and, due to qualification issues, and I haven't found any loans to them, except for student loans."

"So, this is a unique business. Small amount and multiple transactions, the longest cycle is one year, as long as the interest rate does not exceed the legal usury red line, you can just pull it up!"

"The idea of ​​small loans, I remember that I mentioned it to you several years ago. The business that was not suitable back then is definitely suitable for Yale now!"