Monday, December 30, noon, good mood, Miyako Miyamoto's office.

Akihime left with Mizuhime Asaika, Tsukihime Tachibana Maya, Oda Nobumi and Yamaguchi Security Captain to deal with the money.

Seeing that Misa Horiuchi stayed, Miyakoto Miko asked, "Misa, what else do you have to do?"

"That's the Good Mood Bank," Misa Horiuchi said embarrassedly, "Madam, you better find another person to manage it, I really think that the affairs of the bank are too cumbersome, and I feel a headache when I think of having to manage the accounts of hundreds of thousands, millions, or even tens of millions of people in the future." ”

"Misa, the matter of the Good Mood Bank is actually not as complicated as you think. Miyamoto Miko smiled, "I don't know if you have noticed, Ron They have managed the Good Mood Bank for so long, and the objects they serve are all people who hold the Bank of Good Mood bank cards, that is, the people who are in the Good Mood, and they have never opened business with outsiders." In fact, they had already guessed the purpose of the Good Mood Bank. ”

"Huh?" asked Misa Horiuchi, "Then why did Ron write that report?"

"That's just a temptation," Miyamoto smiled, "Well, I'll explain it to you." Then he asked, "Most of those financial institutions in China have serious problems, and there is a news about the bankruptcy and collapse of such and such a bank on TV and in newspapers every once in a while, have you heard of this?"

"Yes," Misa Horiuchi said, "and I found out that there were several major insurance companies that had problems with their stock prices, which gave me the feeling that I was on the wane." ”

"I'm not worried about the employees putting their money with them, and even without the help of the Yotsubishi Foundation, I would have been going to force the Ministry of Finance this year to allow me to build a bank. Employees in such a good mood can put their money in their own bank, and as long as there is a gold department, as long as there is a securities market, the good mood bank will never fail. Miyamoto Miyako said, "Good Mood Bank doesn't do those wealth management products. Managing the voluntary deposits of employees, issuing emergency loans, such as providing small loans to people who have not been admitted to the Invincible Beautiful Girl Club to open stores, managing basic insurance such as medical care, pension, accident, and life insurance for employees, and making some non-profit trusts, such as escrow of valuables, and payment of wages to employees, etc., these are the businesses that the Bank carries out for employees. As for Good Mood, the excess funds in Good Mood can be placed in this bank, so they don't need to be stored in the banks of consortiums such as Tamai Bank and Mitsubishi Bank, so that they can use it for financing. ”

"I understand that the establishment of a good mood bank is to allow employees to put their money in and help them build an economic line of defense, so that no matter how the external economic environment changes, employees can have basic living security. "But it seems that the good mood bank can't handle trust and insurance business, but it can also do bond business such as government bonds, foreign exchange business, and by the way, it can also do lending business with other banks." ”

"At present, domestic laws do not allow financial institutions to directly engage in other businesses, but what did I do when I acquired Fuhe Bank? Fuhe Bank is the only bank in China that has been approved to directly operate trust business, and its Fuhe Insurance Company and Fuhe Securities Company, although Fuhe Hong only has some shares, but the other shares are with his family, which is his. The insurance and trust business of our employees can be outsourced to Fuhe Bank, just as settlement and other services can be outsourced to other banks. Miyako Miyamoto smiled, "So, Misa, for now, your job is very simple. ”

"Wait a minute," Misa Horiuchi asked, "what do you mean at the moment?"

"Judging from Japan's increasingly deteriorating financial situation, I don't see that in a year or two, the domestic consortium will be able to promote the revision of the Monopoly Prohibition Law, which has been in place since the end of the war, through those pro-business officials, so that the financial holding group can reappear in Japan," Miyamoto Miko said with a smile. Insurance companies and other financial institutions have more than 50 percent of the shares, and of course they are all controlled and directly operated by us, and when the time comes, we can turn the Good Mood Bank into a universal bank that integrates commercial banks, investment banks, securities companies in China, and insurance companies, and operates these businesses on its own. ”

"Ah," Misa Horiuchi exclaimed, "isn't that more complicated. ”

Mimiko Miyamoto rubbed her forehead and felt a little headache, and Midaiko immediately laughed when she saw it.

"Forget it, let's talk about this after the new law comes out. Miyamoto Miko said helplessly, and then asked, "You can manage the current bank, right?"

"That's fine. Misa Horiuchi smiled embarrassedly, and then changed the topic and asked, "Madam, what do you mean by what Ron said, and our acquisition of Tomawa Bank is for transition?"

"What Ron meant was actually suggesting that I not build a bank, and that I leave everything to his bank to do, and that he would be in a good mood for the employees, and that he would not be at ease about mobilizing funds, and he promised to get these things done. Miyamoto said, "And what Misakihito and I said that night was for the eavesdropper, and it was up to Ron to guess what it really meant." Then he said angrily, "Fuhe Bank was originally a transition, if Fuhe Hong didn't agree, forget it, but looking at you like this, I think it is necessary to take it down and contract the business to them all the time." Then the Good Mood Bank simply became a 'central bank' and dedicated to transferring money to other banks. ”

"Hey, hey. Misa Horiuchi laughed dryly, then diverted the topic and asked, "Knowing that someone was eavesdropping, why didn't you come up and arrest someone at once, but waited until you heard it, and let him go?"

"It's an exchange of courtesy. If I don't eavesdrop on them, how can I let Shi Feng Bao go to investigate, if I don't let this eavesdropper go, the people sent by Shi Feng Bao to investigate will be in danger, and the power of Israel Mosa is not blown out. Miyamoto Miko said, "In this way, after the people who are protected by Shi Feng are caught, they can also come back safely." ”

"I see. Misa Horiuchi asked again, "Madam, can you tell me what it really means?"

"Of course, the real intention is not to mobilize the channel of funds, but to deposit, and whichever bank our money is placed in, it will be used as capital to finance, and I don't like to see this. Miyamoto Miko said with a smile, "It turns out that forget it, just earn it and earn it, but since the good mood has a bank, how can you not deposit the money in your own bank? ”

"So, do you want Fuhe Bank to play this role temporarily? By the way, Fuhe Bank also happens to have a securities company under its umbrella, which can also act as a trading platform. Misa Horiuchi asked, "Then you and Mr. Tomii ...... a coincidence?"

"It's a coincidence, I wanted to buy a big foreign bank, but I never found one willing to sell it to me. Mimiko Miyamoto smiled, "It's true to let Tomiza Hiroshi manage it, and the rest is used to confuse Ron, Ron will definitely talk to Tomizawa Hiroshi, what I said to Tomizawa Hiroshi." ”

"I see. Misa Horiuchi said.

"Alright, it's not too early," Miyakoto asked, "any more questions?"

"And another," asked Misa Horiuchi, "Ma'am, do you have any property abroad?"

"Absolutely. Isn't that said, I don't like people to use my savings to finance it. The annual profits of the Ministry of Gold in the foreign market are about 150 billion US dollars, and the banks are not too cheap for all deposits?" Miyakoto said with a smile, "But the good mood is the main thing, and the gold department is an important part of the good mood. Remember, one gold ministry can be worth a hundred industries. ”

"I see. Misa Horiuchi smiled, "Then I'll take my leave." With that, he said hello to Yamazaki and Midaiko and left. ……