Rebirth 79: I opened a bank in the United States

Chapter 75 It's Good to Accept Carter's Investment
"Carter?! I'm a little surprised, you actually called me, is there something for us?"

Paul Allen's voice was a little surprised, but also a little apprehensive.

When he thought about it, Carter's sudden phone call probably meant that he had something to look for.But Carter, a rich man, at least in the eyes of Allen now, is something that even a rich banker can't solve. Can the two brothers solve it?

"No, no, I just thought of you all of a sudden. It's been so long since I've been home, and I haven't had a phone call with you yet. By the way, how are you doing? Is the company developing smoothly?"

"Ah, so that's it. Well, I'd like to say it's fine, thank you for your concern, but the truth is, it's not quite as good or, yes, we're having a bad time."

Just as Carter confessed to Julian about his concerns about the bank's recent situation, Paul also rarely revealed his heart to Carter, a friend across the United States.

"The big client who had been cooperating with him in the past went bankrupt, and now it is difficult to collect money from individual users. In addition, the current economic environment is not good, and many people are unwilling to spend extra money on interpreters. We have been under pressure recently. Great, Carter"

A lot of pressure? !
Carter almost laughed out loud, but reason finally prevailed.

"Hey, Paul, I can understand you. In fact, I'm not as handsome as you look, you know? The general environment in the past few years has been difficult for everyone. My bank, too. Well, maybe I don't have you yet It’s so embarrassing, but in the future, once the environment continues to deteriorate, I may also be in trouble with the current fund reserves.”

"Really? Sorry, I don't know. I thought you opened a bank, it shouldn't be like us"

"It's okay, Paul. Anyway, I should be in a better situation than you, and I still say the same thing. Friends, do you need help? How about 10 dollars? [-] points of interest, I will lend you a year."

Carter hesitated for a while, but finally did not mention the matter of investing in Microsoft.

On the one hand, as Gulfstream's Paulson said, the current self cannot bring direct help to Microsoft's development.On the other hand, even if it is funds, I am really not rich now.

Provide loans to commercial companies, which is the business field of commercial banks in the United States these days.Savings banks are not allowed to make commercial loans according to regulations, but in a small place like Douglas.

The business scale is not large, and some small factories are almost like workshops.There is not much difference between personal loans and commercial loans, and the bosses usually make loans in their personal capacity, so it is easy to say in terms of review.But if you want to lend to Microsoft in Seattle, the bank's own funds will definitely not be available.

Because the funds are transferred to Seattle, the middle must go through the middle bank, once the middle bank is involved.Transfer fees and the like are trivial matters, but the key is that you, a savings bank in Georgia, do business with a commercial company in Washington State, and you can't hide it.

Although it is not impossible to use the bank's money to borrow money, it is not impossible to borrow, just get more identity for personal loans, get the money into a personal account, and then transfer it.But this is too troublesome, isn't it?Secondly, as far as the loan is concerned, Carter just wants to be a favor, and it will be good if the favor comes. It will be convenient for them to think of themselves before the public offering in the future.Carter himself has never thought about controlling Microsoft. Let alone whether he can afford it, but if he can eat it in the future, is there any benefit?

It's hard to say whether the Microsoft that I run is the Microsoft of the future!Just like the apple of Gang Leader Qiao, it's different with him or without him.Some things are better left to them.If you have something to do with the big guys, if you have nothing to do, you can get it yourself, and you can lie behind the ass of the big guys in these times to pick up money. Isn't it delicious?

"You Carter, I don't know what to say. Sorry, I need to calm down. I also need to discuss with Bill whether to borrow this money. Can you wait for me for a while?"

As Carter expected, Paul's voice changed with excitement when he heard the figure of [-] US dollars.

$2!Enough for them to sell [-] copies of the interpreter, and it has to be guaranteed to get the money back.If you count those who couldn't get the money back, they would have to sell at least [-] copies to earn [-] US dollars.

"Of course, this is the company of the two of you brothers. Any decision should be discussed. Then I will wait for your news, Paul!"

Carter hung up the phone with a smile, then couldn't help frowning and sighing.

Up to now, the construction of my own highway business district is still in the stage of burning money, and the payment is still far away.Here Microsoft has created a problem for itself
Meanwhile, Seattle, inside Microsoft.Gates, who had been frowning since hearing Paul reveal the bad news about his company's situation to outsiders on the phone, finally waited until Paul hung up the phone.

He didn't speak, just frowned and looked at this good friend quietly.

"It's Carter, the guy from Georgia two months ago!"

Paul, who is ten years older than Carter, is fully qualified to say that Carter is a young man.

"I know, I remember him. But why do you tell him that we are miserable?"

"Because that's what we're all about now, aren't we? Look what we're all eating?"

Paul Allen spread his hands, pointed to the cheap fast food in front of him, and continued to explain:
"And, Carter didn't mean any harm. On the contrary, he was very willing to help us. Know what he just said on the phone? He said, 'Hey, friend, need help? Twenty thousand dollars, ten points a year.' Ten 12 point, huh, our local banks are asking for [-] points of interest now!"

"Wait, you mean, what he said was to lend us [-] dollars? Are you sure you heard it right? Didn't he want to take the opportunity to buy shares?"

Gates was a little surprised, he thought he understood Carter's purpose.But he really didn't expect to borrow money, and he couldn't help being a little stunned when he heard it.

"Yes, it's a loan. Only if you regard this company as a treasure, Bill. Let alone the fact that he is far away in Georgia and is engaged in the banking industry, even if he wants to invest in some computer programming companies, he will not look at it." Why don’t you come to us? Let’s not talk about DRI, even the Seattle Computer Products Company is more valuable than us, right?”

DRI, the full name of Digital Research Inc. translates to Digital Research Co., Ltd., and many people should have never heard of this company.But right now, it's Microsoft!
The operating system on almost all CPUs is their CP/M.Whether it is Intel's chips, or the moto and nec chips that will disappear in the future, the adapted operating systems are mainly from this company.

In addition to DRI, Seattle Computer Products Company also tailored an adapted operating system for Intel's newly launched 8086 chip.This system is the famous DOS later, but now it is also called QDOS or 86-DOS. Although it is not as famous as later, it is at the moment.

With the big sales of the Intel 8086 chip, depending on market expectations, investing in Seattle Computer Products Company, which makes the QDOS system, is better than investing in your own small company or small workshop that is still tossing about basic interpreters?

With this in mind, Paul was even more grateful to Carter, and said directly to Gates:

"Even if Carter wants to take a stake in us, I think it's a good thing. First, he has the money to help us tide over the difficulties. Second, he can get to know a lot of people when he opens a bank. In the future, he can sell products to him and let them pass through the bank's customers. Channels to sell, we only care about research and development, and we are all young, so we can get along with each other, at least it is much better than accepting investment from some old men with outdated concepts and listening to their instructions!"

(End of this chapter)