I Have a Mansion in the Post-apocalyptic World Chapter 759: Future Bank (for monthly ticket!)

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The company is like a beast.

The more the hands and feet of this beast, the larger the body, the more intricate the blood vessels under the skin, and the more blood flows in the blood vessels. For a company, banknotes are the blood that maintains its normal operation, supplying blood to various organizations of the company, and creating value in circulation.

A series of measures such as business expansion, business errors, strategic adjustments, etc., may cause the company to temporarily "bleed". Generally speaking, the best solution at this time is to borrow from a bank, but the Renren Group is facing a problem in the future.

That is the bank of the new country, I am afraid that it does not have the ability to transfuse the future group of people.

So, referring to the practices of the Boston Consortium and the Rothschild family, Jiang Chen decided to build a blood-supplying heart for his future group!

What is more convenient than opening a bank loan?

Now that it is decided, do it!

The next day, Futurian Group, with its thunderbolt, was able to acquire a California-based bank for $ 600 million through its subsidiaries and renamed it Futurian Bank. The scale of this future bank is not large. There are only twenty bank branches in California, and there are less than one million depositors. The total deposit is only 4.8 billion US dollars, and the loan-to-deposit ratio is 71%. A few bad debts.

While people are speculating on why Future Group wants to acquire this little-known small bank in California, Future Group announced a high-profile announcement that it will inject $ 10 billion into its future bank, and at the same time A total of 11 small and medium-sized banks in North America, Europe and Asia have carried out premium mergers and acquisitions.

The progress of mergers and acquisitions is very smooth, mainly because the prices set by Renren Group in the future make it impossible for shareholders of several banks to refuse.

Following that, Renfu Bank began its restructuring work, integrating the businesses of these 11 small and medium-sized banks under the same name as Furen Bank, and transformed it into a multinational bank.

The open news of Penglai City is still fermenting, and the Future People Group has made another great move. With such a intensive acquisition of banks, do they not only have to do the Internet, but also directly intervene in finance? !

Future Group's move immediately aroused the attention of banks such as Citigroup and Morgan of the United States. Although they don't think that Future Group is a rival in the financial field, the terrible influence of the other party on the Internet still makes them veteran banking giants dare not take it lightly.

And it turns out that their concerns are not superfluous.

After completing the reorganization, Future Bank immediately held a press conference to announce to the media that Future Bank has reached a cooperation with Future Group Technology, a subsidiary of the group, to simplify the payment procedures for virtual reality content. After processing the bank card of Future Bank, Future Technology will automatically register an online banking ID for it, and only need to verify the identity information before it can be activated.

With this move, the amount of depositors handled by the People ’s Bank of China will immediately rise by one level. However, what really motivates people to save money is not because of simplifying payment procedures, but because the interest rate of the bank ’s current savings in the future is as high as 1%, and the interest rate for one-year deposits reaches 4%. For most ordinary people, Say, this is the tangible benefit!

At the press conference, in the face of reporters' questions, the CEO of the Future Bank was even more outspoken.

"Yes, the main business of our future bank is to lend to the future group! Is there any bad debts to the future group? Look at the robot Xiao Lin in your home and the future on your wrist, you Do you think that the Future Group may go bankrupt? So please be sure to store the money with us. Unless the Future Group goes bankrupt, you will never have to worry about not getting your deposit. "

Of course, the voice of doubt is not without. For example, some peers have hired experts and scholars in the financial field to cut in from the perspective that the ratio of future bank funds is too single and the ability to resist risks is poor, and question the safety of future bank deposits.

However, even if these discordant voices exist, they still cannot stop the future of the Renren Group from entering the financial industry. After the future bank announced the cooperation with the parent company, the number of depositors and total deposits are increasing at a visible rate. As of the end of March, this number has grown to an astonishing point ...

“At present, Future Bank of China has 17.41 million depositors worldwide, and the total deposit is converted into US dollars at the exchange rate of 112.1 billion, and the loan-to-deposit ratio is 77%. At present, the CEO of Future Bank of China has proposed listing financing to us What do you think of the idea of ​​using financing money to acquire other banks for expansion? "Xia Shiyu asked.

Inject 10 billion yuan into the future bank to complete the merger of 11 banks. Counting the 20 billion yuan previously invested in Xinghuan Trading, now the future group ’s working capital has become a piano line.

"Does listing mean information disclosure?" Jiang Chen Shen Sheng asked.

Xia Shiyu nodded, "If a listed company has a major investment project, or a major business adjustment that may cause stock price fluctuations, it is obliged to disclose the project details to the public, but only to disclose investment details, and it involves commercial secrets. You can also choose to keep part of it. My suggestion is that if you just intend to use Future Bank to support the business of the parent company, you may wish to agree to go public. "

After all, only the scale is large enough to support the elephant of the future group.

The listing is undoubtedly the best choice for expanding your business!

Financial giants, including Citibank and Bank of China, are not listed companies without exception. It is with the money from the listing financing that they can accelerate the expansion and squeeze out the pretentious competitors.

Old financial giants like Rothschild Bank, although rich in themselves, are no longer influential than Citigroup and Morgan. One of the key reasons is that Rothschild has been extremely stingy with his opponent's shares, and has never considered the issue of listing.

In a sense, Jiang Chen is also such a person, but recently some changes have been made to adapt to the times.

In the financial field, Jiang Chen couldn't come up with any useful black technology, and at most worked **** the safety of depositors' information. However, the safety of depositors' information alone may not be a selling point for depositors. If you want to expand the business of Future Bank in a short period of time, you only have to list the money, and then use the money to buy out the competitors!

"Is 30% enough?" Jiang Chen asked after a long pause.

"Enough." Xia Shiyu nodded.

"Very good, that's it. Putting aside the listing beforehand, I need the future Renmin Bank to temporarily tighten the lending policy. The loan-to-deposit ratio is still maintained at 80%, giving priority to meeting the loan needs of the future Ren Group!"

"Yes!" (To be continued.)