Chapter 759 Future Bank
? A company is like a beast. $. $
The more hands and feet this beast has, the bigger its body, the more intricate the blood vessels under the skin, and the more blood flowing 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, operating mistakes, and strategic adjustments may cause the company to temporarily "bleed". Generally speaking, the best solution at this time is to get a loan from the bank, but the Future Group is facing a problem.
That is the bank of Xinguo, and I am afraid that it does not have the ability to transfuse blood for the Future Group.
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.
Is there anything more convenient than opening a bank and getting a loan yourself?
Now that you've decided, let's do it
The next day, the Future People Group acquired a bank in California at a price of US$600 million through its subsidiaries and renamed it Future People Bank. The scale of this future bank is not large. There are only about 20 bank outlets in California, and less than one million depositors. The total deposits are only 4.8 billion US dollars, and the deposit-to-loan ratio is 71. Bad debt.
While people were speculating why the Future People Group would acquire this little-known small bank in California, the Future People Group made a high-profile announcement that it would inject $10 billion into its Future People Bank, and at the same time invest in , A total of 11 small and medium-sized banks in Asia conducted premium mergers and acquisitions.
The merger and acquisition went smoothly, mainly because the shareholders of several banks couldn't refuse the price offered by the Future Group.
Immediately afterwards, Future People Bank began its restructuring work, integrating the businesses of these 11 small and medium-sized banks under the same name, Future People Bank, and directly transformed into a multinational bank.
The news of the opening of Penglai City is still fermenting, and the Future Group has made another big move. With such intensive acquisitions of banks, don’t they just want to do the Internet, but also directly intervene in finance?
Future Group’s move immediately attracted the attention of American banks such as Citigroup and JP Morgan. Although they don't think that the Future Group is worthy of being their opponent in the financial field, the opponent's terrible influence on the Internet still makes them, veteran banking giants, not dare to take it lightly.
Facts have proved that their worries are not superfluous.
Immediately after completing the reorganization, Future People Bank held a press conference and announced to the media that Future People Bank has reached a cooperation with Future People Technology, a subsidiary of the same group, to simplify the payment procedures for virtual reality content. After applying for the bank card of Future People Bank, Future People Technology will automatically register an online banking id for it, and it can be activated and used only after the identity information is verified.
As soon as this move came out, the number of depositors handled by Future Bank immediately rose to a higher level. However, what really motivates people to save money is not because of the simplification of payment procedures, but because the bank's current savings interest rate will be as high as 1 in the future, and the one-year fixed deposit interest rate will reach 4. For the vast majority of ordinary people, This is the benefit you can see
At the press conference, in the face of reporters' questions, Future Bank's eo was even more outspoken.
"That's right, the main business of our Future People Bank is to lend money to the Future People Group. Is it possible that there will be bad debts when lending to the Future People Group? Look at the robot Xiaolin in your home and the uture on your wrist. Do you think the Future People Group may have bad debts?" Bankruptcy? So please feel free to deposit your money with us, unless the Future Group goes bankrupt, you will never have to worry about not being able to withdraw your deposit.”
Of course, there are voices of doubt. For example, some peers have hired experts and scholars in the financial field to question the safety of Futureren’s bank deposits from the perspective of too single fund allocation in Futureren’s bank and poor anti-risk ability.
However, even if there are these discordant voices, it still cannot stop Future Group from entering the financial industry. After Future People Bank announced the content of cooperation with the parent company, the number of depositors and total deposits are growing at a visible rate. By the end of March, this number had grown to a staggering proportion
"Currently, Future People Bank has 17.41 million depositors around the world. The total deposits are converted into US dollars according to the exchange rate to 112.1 billion, and the deposit-to-loan ratio is 77. At present, the eo of Future People Bank has proposed listing financing to us, and then use the financing money What do you think about the idea of acquiring other banks to expand?" Xia Shiyu asked.
Injecting 10 billion into Future People Bank to complete the mergers and acquisitions of 11 banks, counting the previous 20 billion injection into Star Ring Trade, the current liquidity of Future People Group has stretched into a piano wire.
"Does listing mean information disclosure?" Jiang Chen asked in a deep voice.
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 details of the project to the public, but only the disclosure of investment details, and the part involving commercial secrets You can choose to keep it. My suggestion is that if you just plan to use Future Ren Bank to support the business of the parent company, you might as well agree to go public.”
After all, only if the scale is large enough can it support the elephant of the Future Group.
And going public is undoubtedly the best choice for business expansion
Financial giants including Citigroup and banks are all listed companies without exception. It is with the money raised from the listing that they can accelerate their expansion and squeeze out those stagnant competitors.
Veteran financial giants like the Rothschild Bank, although rich in themselves, are no longer comparable to Citigroup and Morgan in terms of influence. One of the key reasons for this is that Rothschild has always been extremely stingy with the shares in his hands, and has never considered the issue of listing.
In a sense, Jiang Chen is also this kind of person, but recently he has made some changes in keeping with the times.
In the financial field, Jiang Chen can't come up with any useful black technology, at most he will work hard on the information security of depositors. However, the information security of depositors alone may not be a selling point for deposit absorption. If you want to expand the business of Future People Bank in a short period of time, you have to go public to collect money, and then use the money collected to make mergers and acquisitions and buy out competitors
"Is 30 enough?" Jiang Chen asked after pondering for a while.
"Enough." Xia Shiyu nodded.
"Very good, that's it. Put aside the listing in advance. I need Future Ren Bank to temporarily tighten the lending policy to the outside world. The deposit-to-loan ratio will remain at 80. Prioritize meeting the loan needs of the Future Ren Group."
"Yes" is to be continued.