Rebirth 79: I opened a bank in the United States

Chapter 783 Overdrawing their future and giving them confidence!
Without restricting his working hours, and even saying that if he can't fall in love with this broken class, Carter will pay him a lot of money.And the treatment, or the respect that is given directly to the full
After hesitating for a moment, Jim Rogers smiled wryly and shook his head, agreeing to the job.

Even without mentioning the bonuses brought about by the relationship between teachers, brothers and alumni, Jim himself understands it.As an individual investor, he has relatively free time, but it's not that he doesn't have the energy to juggle an errand.
Coupled with the current situation, first the reform of the banking law, and the intensification of international trade frictions, the internal and external market environment can be described as turbulent
Even though he used to have a lot of contacts, Jim Rogers also understands a truth called "leaning against a big tree to enjoy the shade"!

The reason why I don’t want to go to other institutions is that it is prone to the same conflict of ideas as when I broke up with Quantum.In addition, people also have arrogance!
With a solid record of more than [-]% annualized rate of return, Jim looks down on small investment banks that he can get the right to speak.As for the big investment banks that can catch your eye, there are many ruthless people in their institutions. Why do you believe you when you come here? !

Looking at it from a general perspective, Carter, which is called an investment company, is actually a family office organization, which is most suitable for him.

The two resident first and second leaders are both financial laymen, which means that in the field of investment, Jim basically has the final say!The only person who needs to communicate may be Carter, the boss.

And this boss is his primary school brother. In addition, they have known each other for many years, and they have enough understanding and trust in each other.
Perhaps the current Envision Capital platform is not big enough, but after witnessing Carter's development from a millionaire to the current Jim in just a few years, he has stronger confidence in this platform.

Under the comprehensive consideration of these factors, Jim has no reason not to agree!

Not to mention anything else, as long as the office on the top floor of the landmark building on Fifth Avenue is named, it will be easier to recruit people in the market!After fighting alone for so many years, why doesn't Jim want to have some capable people to help?

After signing the letter of appointment and the contract on the spot, and entrusting the preparation of the professional talent team of Envision Capital, especially investors, financial managers, risk managers, and legal personnel, to Jim, Julian laughed. Under the intense gaze, Jim put away the contract and raised his head:
"So, you still didn't say, why are you so concerned about the value of the yen?"

"Are you talking about the short term? I just talked to Zhu Li, and I want to see if there is a chance to engage in a wave of speculation!"

According to the maximum loan amount currently designed by PTU, [-] US dollars, if you only look at Yale University, this is at best the annual salary of the worst-employed Yale people in one year!

"I'm thinking about what to say."

"student?"

Squeeze the contract and stuff it into your pocket.Without any respect for his new boss, Jim shook his head and reached for the cigarette case on the table.
"Indeed, I don't think you're just looking at such a small profit now!"

How much risk can you earn from yen speculation with a short window period? !
"I don't like it, but it doesn't mean that others don't like it either. Especially students!"

"This explanation is not very convincing"

And offline channels are now largely in the hands of payday loans.Not to mention the fact that the establishment of an offline loan store requires a large number of manpower, which makes Carter, who is used to the "Huabei" era, extremely uncomfortable!

If you have money, you don't have that kind of method!
Then the problem comes, and there is no Internet platform to reach users, and Carter is reluctant to spend money to set up loan outlets everywhere on the Yale campus, and it is easy to be scolded for doing so.
In this case, Carter can think of only one way: to push!

Julian, who was silent for a long time, also took up the topic in due course.

No transaction exists independently
After Black Flag Credit Company produced the small loan product "Put to use (hereinafter referred to as PTU)", the next step to consider is naturally the publicity!

Moreover, this kind of economic cycle in a small area, normally speaking, as long as you strictly control the microcredit line, there is almost no risk of collapse!
The reason is simple: firstly, there are college students and their parents to help them out; secondly, these college students, especially students from prestigious schools, at least have few obstacles in terms of employment!The future they are overdrafting now, when the future really comes, they can afford it
I was nothing more than an overdraft in advance, their income after graduation!

Today, there is no Internet, and even local area networks are not popular.For a campus with a narrow scope, to be precise, the Yale campus market can only use offline channels for publicity and distribution!

If the council has more "taxes" and even has a surplus, will it be possible to give better treatment to the backbone of the students, that is, the KOLs in the student district, and continue to stimulate them like chicken blood? To promote PTU products? !
Then it's a cycle that repeats itself!

Mobilize the students on campus, let them become part-time specialists of black flag credit one after another, and sell loans everywhere
In the model designed by Carter:
Students pass on to students, using "micro-business" or pyramid schemes to pull down the line and try to make PTU products reach every student.After students get loans, not only can their own money be released, but they will also usher in an increase in the consumption power of the student group when they have money in their pockets!
When consumption rises, the natural market economy is active!The student associations can make money, and if they make money, the students will have money, and the richer the students, the more daring to borrow and spend!Similarly, the more activities there are, the more "taxes" the council will have!

Jim's hand holding the cigarette suddenly paused.
"What the hell are you trying to do?!"

"Then the question is, where are you going to start this project?"

After listening to Carter's description, both Julian and Jim were stunned for a while.I have to say, this gameplay is indeed a little tricky!

In today's era, the group of college students who generally have student loans is almost a group recognized by the society as "not worth the effort"!

They generally lack confidence in lending, and do not have a stable income to offset loan risks.Consumption. That's what it sounds like!Not a high-quality customer in the eyes of some institutions at all
But after listening to Carter's description, they suddenly discovered that
What Carter has done is not just loans. If it is really possible to use loans to cover the future income of these college students, or even use the community economy to give all students the confidence to consume and borrow money over and over again.
If this confidence can really be hyped up by Carter.
Coupled with the impulsive consumption behavior that is common among young people, coupled with the possible comparisons that may exist on campus.
If this group is managed well, the income is unlikely to be low!
"Yeah, that's what's bugging me right now. Where to start! I was wondering"

(End of this chapter)