Chapter 430: Direction Adjustment (Page 1/1)

Although Chen Dahe rarely asks about the bank, but Thierry's kid has not harassed him less, in the past, when he was in Beijin, he would come to the door at every turn, and now when he came to Switzerland, he changed it to send a telegram to make a phone call, which country is unstable today, the boss almost ran away, and tomorrow which country is engaged in infighting, and the newly bought machines have been smashed, if it weren't for him Thierry, you Chen Dahe would definitely have nothing to lose, and the expression of inviting merit is like the rhubarb with a mouse in the village.

With the financial support of the Third International Bank, and at the same time helping him share the risks, the business volume of Mocha Industrial Trading Company has risen in a straight line, and the money earned is only a lot more than Chen Dahe, of course, this is without calculating the income of the trading company on the Ukrainian side.

In the data just given by Jerome, sixty-eight loans come from thirteen countries in Africa, some are old customers who have cleared old accounts and borrowed new debts, and some are new customers with greater risks, if it were not for Thierry's repeated guarantees, saying that no matter which party comes to power, they can guarantee that their interests will not suffer losses, at least three countries are borrowing Jerome is unwilling to lend, and Jerome's vision is not bad, these eleven loans that almost defaulted are from two of these small countries, although in the end there is no danger, the bank still paid two million dollars for the activity of Mocha Company, although compared to the 30 million loan amount is nothing, the subsequent interest recovered has also been earned, but it is always a wake-up call for the bank, and it is better not to do such a high-risk business.

Of course, the benefits are directly proportional to the risks, and the interest amount and repayment method given by those three small countries are the highest, with an annualized interest rate of up to 25 percent, and the repayment method is crude gold and silver, and the price is still lower than the price of cabbage in the country of origin, which can be said to be darker than usury.

Jerome said that the profit of the loan business reached 35 percent, which included the price difference of these bonded metal ores, and if the pure interest rate was so high, it is estimated that no fool would ask them to borrow, and it would be much easier to accept it in another way.

The profit from the sale of metals is accounted for by a trading company set up in a separate trading company, which is settled with the bank based on the FOB price in Africa, and then sent to Ukraine to recover the cash flow, and the profit margin can also reach 200%, which has made an outstanding contribution to the increase of the bank's total assets.

Therefore, this business has three layers of income, the simple bank loan interest is counted as a part, the price difference of the crude metal ore used to pay off the debt is counted as a part, and the trading company's handling profit is counted as another part, no wonder Thierry always shouts that Chen Dahe is robbing money, and this income is about to exceed that of Mocha Company, and it is really dark.

This is still because he doesn't know that Chen Dahe sent a group of people to Ukraine, and the trading company there is also his, otherwise he will really regret breaking up with Chen Dahe in the first place.

Being poured cold water by Chen Dahe, Jerome was not angry at all, but nodded in agreement, "Enzo, this is exactly what I want to say, the current business structure of the bank is too simple, and it relies heavily on the Mocha Group, I know that you have a good relationship with their boss, but business is business, even if we don't give up this line, we should consider developing other aspects of business." ”

"That's what I came to you to talk about today," Chen Dahe nodded, Starting from today, stop issuing loans to customers with too high risks, and appropriately tighten the scale and speed of external lending, after more than a year of start-up in Africa, high-quality customers have accumulated a certain amount of original funds, and their dependence on loans will inevitably be reduced, and at this time, the big banks in Europe and the United States should begin to notice them, and now we are far from being their opponents, even if we can't compete with one of their branches, so we need to find other ways out for funds,"

"In addition, we should also expand the scale of the trading company under the bank, don't just focus on our loan customers, other metal mines in Africa can become our target, even not just metal mines, including agricultural products, anything, although it is now an economic downturn, it does not mean that the business really can't continue, as long as the quality and low price, we can always find good customers, not to mention that there is also the trading company in Ukraine, they can also share a large part." ”

Although the Soviet Union is now implementing an overall economic plan, since Dong Jianlei and his party can open a hole, they can stuff more things in, and the officials there are not much whiter than those in India.

"The other is other banking," Chen Dahe looked at Jerome, "do you have any good ideas?"

"There are many businesses that banks can do, such as commercial lending, project financing, securities credit and guarantees, investment advisory and custody, securities trading, securities management and indirect lending, issuing and distributing stocks, bonds and notes, etc., etc., "we have limited strength right now, and we don't have many business modules to enter, and one thing is the most important,"

Jerome opened his hands and said helplessly, "We don't have a deposit, it's not that we haven't carried out this business, but no one wants to deposit money in our bank, let alone entrust us to manage it, and now there are only more than 100 accounts in the bank, except for our own company, including the Blois family in Paris, all the others are related accounts of our customers, as for the normal opening of the market account, there is none!"

He still didn't say a word, there is no source of funds without deposits or fund custody, so the bank can only rely on internal hematopoiesis, almost no different from ordinary investment companies, so there is no need to exist in the form of a bank.

If Jerome doesn't say it, it doesn't mean that Chen Dahe doesn't know, but he doesn't care too much, this bank is originally for him, and it doesn't matter if there are external funds or not.

However, it would be nice if there was an injection of money, and there would be more that could be done.

Rubbing his eyebrows slightly, Chen Dahe thought for a while and said, "Don't worry about the deposit and fund custody business, as long as we can make a few high-value investments and become famous, there will naturally be people rushing to send money to the door, and the key now is the investment direction." ”

"Sir," Jerome shrugged and smiled, raising an eyebrow, "we said okay, it's not my job, and even if you don't mind me causing huge losses to the company, I'm afraid I don't have the confidence to decide on any investment plan right now." ”

Chen Dahe grimaced, "I think you are scared, okay, since this is the case, then I won't ask your opinion, I will set the investment direction, and you will implement it." ”

Jerome immediately pulled out the notepad in his briefcase, then took off the cap of his pen and posed as a student preparing to take notes.

"There is only one," Chen Dahe stretched out a finger, "the computer industry, whether it is making accessories or complete machines, whether it is software or hardware, whether it is office or entertainment, can be used as an investment object." ”

"Uh," Jerome looked up, his eyes puzzled, "entertainment?

Chen Dahe pouted, "You can understand it as a game console." ”

"Oh," Jerome said with his mouth open in understanding, then scribbled two words on his notepad as he spoke, "Computers, video games." ”

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