Rebirth 79: I opened a bank in the United States

"Yeah, if you don't take advantage of those few years to increase your leverage crazily and strengthen yourself, you won't have such a good opportunity in the future! Go to Robert's place in the afternoon, and he probably leaves tomorrow. Of course, in a week or so, he will leave." Coco begged to come back to help Jenny and the others move. Melis begged to study in California, and Anna and Joey also planned to go there to develop. Leaving Jenny alone, he was also worried that she would be bored, so he decided to leave Move over there!"

"That should be temporary, right? He even prepared the wedding gifts for Anna and Joey, so let's not"

"Of course it's temporary, they will all come back, don't worry! We will build a new house on the mountainside to the south in the future, and they will be neighbors, hahaha! Let's go!"

After coming and going in a hurry and leaving the bank, Carter started a busy day.

In the meeting with Robert, the principal asked to talk about the joint referendum of residents of Kofi County to apply to the state government for the legalization of local gambling.For specific operations, Carter and Robert plan to wait for the economic effects of Douglas to radiate to the surrounding towns, and wait for the residents there to feel the intuitive benefits before mentioning the initiative.
There is nothing wrong with that.After all, it is different from Las Vegas. The emergence of Las Vegas is largely due to the opportunity of the times.At this time, although Kofi County is not rich, it is not as poor as Las Vegas, the desert city after the gold diggers evacuated, with nothing but yellow sand in the sky.
On the premise of not facing the difficulties of food and clothing directly, preventing them from seeing "following Douglas and eating meat", seeking to unify the thinking of the whole county, and collectively calling for the legalization of the local gaming industry, that is almost an impossible task!

After returning to New Haven, Connecticut, vice principal Stevens was so excited that he almost had a cerebral hemorrhage.Anyway, even if the community college procurement is changed to Yale’s unified order, it will be confirmed after all the faculty and staff are in class after the start of the school year.
Carter went straight to the New Haven branch of Black Flag Commercial Bank.
Although they keep saying that the "Basel Accords" are no constraints to the current black-flag banks, the pressure of tightening supervision has already arrived!
Carter transferred the credit card business that was not smooth in Douglas to Black Flag Commercial Bank; at the same time, the trust business that had been opened but was also basically unattended in Douglas was also transferred to that commercial bank along with the credit card business. bank conducts.In addition, some guarantee business, commitment business, and investment business group that were originally planned to be opened but have not been implemented, as well as the investment business group that was originally saved in the black flag, Carter transferred them to the black flag commercial bank.
The purpose of those actions is to better liquidate assets.All the off-balance-sheet business of Black Flag Savings will be stripped off to make it easier for Black Flag Savings to meet regulatory requirements.
It is better to do things sooner or later than to do them sooner or later!

The computer production company is an industry that Carter intends to let go.
Although the design and business work center can be located outside Douglas, Carter definitely wants to put the production plant east.The assembly plant could be located in Inker, a small town about 20 minutes from Douglas.The custom chemical factory is located in La Freddy
Kofi is a small county, emmm, it should be said that in Georgia, almost no county has a large scope.After all, there are too many counties in Georgia!
Coffey County, including Atkinson County next door, is mostly towns except for the county seat which is considered a city.Coffey County is a little different, at least it has a university, even though Atkinson County is next door to a community college, but it doesn't even have a community college.
In such a basic situation, even if Carter still uses prison inmates as workers, jobs will not be directly provided to those town residents.But the food, clothing, housing and transportation needed by the prison workers can greatly boost the local economy
Small size, natural effect quickly!

The time is ripe to launch microfinance products outside the campus!

As for how to spend money, it is up to commercial banks to do it!
Speaking of it, it can be regarded as an operation method that takes advantage of the loopholes in Yandong's supervision.After transferring the funds to commercial banks, Carter has more legs and feet to do.
Going to the Black Flag Commercial Bank in the town, Carter Bo Mao needs to supervise the employees of the credit card business department and resume the market in New Haven.The transfer and handover of various files also needs to be carried out simultaneously.
After all, in the future, the commercial bank's main business location will be in the northeastern United States, and a new legal team will also be established.After the framework is formed, it is the components of the microfinance company.
Ruming himself has already become the chairman of the Yale Board of Governors. With the successful completion of the recruitment work, after the semester starts, Carter can foresee that his influence outside Yale University will further increase.

Make it easier to sell their crops, so that they can use their cooking skills or labor to earn money for the prison.Give those small favors first, as for the subsequent investment promotion work, let's take it one step at a time!

At the same time, it also has the advantage of further separating savings banks and commercial banks.In the days to come, the role of Black Flag Savings can be positioned to absorb funds!

As for credit report records, the customer data of microfinance companies and black-flag commercial banks are interoperable.To achieve that, the construction of informatization and electronicization also seeks to start.
For this reason, in addition to purchasing a batch of computers in advance, Carter had to spend money to purchase a batch of relational database software from MICRORIM, and additionally customized some mutual transmission interfaces to form a complete process.

Carter reckons that the operation process of transferring residents' deposits from savings banks to commercial banks, and then using commercial banks to lend to credit companies, and credit companies to end customers before, is not available for a few years.

In my memory, 88 was the time when the first version of the "Basel Accords" was officially released, and the window period left for me was only five years.

It's not that Carter has never thought about using Ruming International Bank to engage in regulatory arbitrage and even capital arbitrage due to the different laws of different countries, including the gap between regulatory strengths.
In the past, he didn't know how to do it, but Ruming, after studying elective courses, although Carter is not proficient, his logic has become clear.It's not unplayable to recruit some teams.But after thinking about it, Carter didn't give up.
In the past, the essence of finance did not seek to return to the industrial existence, and the foresight of the traveler was more obvious in the industrial existence.It's not worth giving up your own advantageous track and going to compete with your colleagues, isn't it?

As long as sufficient funds are guaranteed, Carter believes that his profitability will surpass everyone's imagination!
"Mr. Black! The microfinance product, 'Take it and use it' has been designed. Look at it! The credit line is aimed at college students, and the design is between US$500 and US$10000. The interest rate standard is tentatively set at an annualized rate. The interest rate is 34%, can you see it?"