"Competition?" Link said with a long smile after chewing on the word. "He's probably overthinking. ”

His Ozette Bank was only trying to ensure the smooth implementation of his plan, and had no intention of competing with other banks in the short term. And he didn't believe that agriculture was the main business direction of other banks, which were fundamentally finance. Banks in the United States, in particular, are mainly engaged in personal and commercial lending, insurance, and financial speculation.

Of course, he will also compete with some banks. For example, in agricultural futures.

The world's agricultural pricing power has become increasingly influenced by finance. Especially like European and American countries. There is no such thing as government pricing in these countries. For example, many farms have grains and cotton, most of which are sold before they are planted, and they are sold on futures.

If he wants to have a say in agriculture, he can't completely give up his pricing power. So he had to have a bank.

Banks are a special kind of business. Because of the money of this enterprise, one dollar can be spent as ten dollars. Only by having a bank of his own can he have enough money to influence the futures price of agricultural products in the financial market, so as to gain pricing power.

The assets of Ozette Bank may seem small compared to those of other large banks. Because it's not on the market yet.

However, Link believes that as long as a few other banks go public, even if Ozette Bank does not have any business, its share price will be high. Because it not only has controlling stakes in several banks, but also a large amount of money. Not to mention if it develops a large enough business network.

He certainly didn't think anyone else would fail to see that. So it seems reasonable for Claire to say that Garden Bank is worried that Ozette Bank will become a competitor.

The current bank is taking a very different path from other banks, and it is not listed, it does not even have many depositors, and it does not have non-performing assets, and no one can crush such a bank. And it's gathering strength. Perhaps Garden Bank is worried that it will become the boss of Huazhou Bank once it bursts out of all its energy.

But, squeezing the other side, not to mention that Link didn't have that idea. Even Link himself didn't dare to be so arrogant.

One dollar in the bank can be spent as ten dollars. If it weren't for the economic crisis, it would be easier said than done to crush a bank. To say that the bank does not have a few rich friends. As long as there is a remaining loan amount, it can be fully lent to the bank in difficulty, so that the bank can tide over the difficulties.

Link smiled and said, "Do you think so, too?" We're going to have a life-and-death competition with them in the future?"

Claire was not as optimistic as he was, saying, "Link, who knows what's going to happen in the future? I know what you think, but any business can only keep moving forward." When your plan is successful, is it time for the bank to stop?"

Link hadn't really thought that far. In his mind, it would take at least ten years for his agricultural plan to be completed if everything went well. During this time, he didn't intend to provoke too many enemies.

He thought for a moment and asked, "Are you inclined to swap shares?"

"Of course, we can't consider the share swap now. Claire said with a smile. "We're like saplings in early spring, and they're even towering trees. We were not shaded by big trees and had plenty of sunshine. We are growing much faster than other banks. Even if we want to consider a share swap, we will wait until we are strong enough. ”

At least not now!

"That's it. We're on the same page, aren't we?"

"Yes, I completely agree with you at the moment. And if you keep listing Ozette Bank, we won't be thinking about a share swap for a day. Claire said with a smile. "Of course, I hope that one day you will be willing to take the bank public. Because only then will it have the possibility of becoming a Big Mac. ”

Link thought for a moment and smiled, "It's too early to think about this. "If Ozette is going to go public, he must also control the stake in his own hands. After listing, there are indeed benefits to exchanging shares with other banks.

The rise and fall of the stock price may affect the margin that needs to be paid. And a listed company may only need one negative news to cause the stock price to fall significantly.

Once the stock price fluctuates, it will have a great impact on the company's debt ratio. Insolvency, combined with poor management, is a nightmare for a business. Declining creditworthiness and banks forcing debt could bring down a multinational company. Banks are no exception.

But if there is a life-saving injection of money at this time, the company is likely to survive. And where does the life-saving money come from. Of course, there are companies or people with interests where it is most easily available.

Smith also makes sense that bank swaps are the norm.

In business, only interests are true friendships. A share swap is the best way to combine the interests of both parties, and it is better than a simple marriage or something.

Of course, if the friendship is just about getting married, it is really useless. Why do some businessmen's children still accept political marriages even though they don't like them? For the sake of their families? The most important thing is for themselves.

Accept the reality that after the marriage, both parties will get more family shares, which will of course be the heirs of the marriage in the future. That is also a way of "stock exchange". Otherwise, it's just that people marry in the past, and when your business goes wrong, should you fall into the well or fall into the ground?

But he doesn't need Ozette Bank to do much now, and he doesn't need to worry about the bank's funds for the time being. Of course, he will not think about the issue of a share exchange. It's time to really need a share swap...... We'll talk about that then.

He made this call only to worry that Garden Bank would have some conspiracy against Ozette Bank. Since Claire didn't know, he didn't say anything more.

After two nights in Seattle, he had breakfast early the morning and flew back to Ozet. I stayed with Jessica at home for a morning, and then went to the company to handle official business.

Not long after he sat down, Claire came and said, "You said you had everything for me last night?"

Link secretly put a USB stick on it and said, "This is the audio of the speeches of the bankers at yesterday's Washington forum." I recorded it at the meeting. I think it might work for you. ”

"I'll listen when I have time. "I heard that it was something like this, and Claire was also interested. "Maybe I can analyze the business situation of other banks from their presentations. ”

"If that's the case, of course it's the best. Link said with a smile. "Maybe next year they'll send you an invitation directly. ”

Claire said helplessly: "Maybe they don't think I'm fat enough now, not like a banker." ”

Link knew that it was because the business of Ozette Bank was barely in business, so many people ignored Claire as a bank operator. But he believes that will soon change.

He smiled at Claire's spitting and asked, "There's nothing wrong with the Bank of Texas, right?"

"Everything works fine. Claire remembered one more thing and said. "By the way, the green food cooperative I told you about last time, they have changed to apply for a loan at the Bank of Texas in the personal name of the member. The bank is ready to lend them money with your plan. ”

Link smiled and nodded, "That's good news!" he paused and said. "If I'm not mistaken, you should already be preparing for the formation of a second bank by now?"

"Yes. I'm looking at where to place the headquarters of the second regional bank. ”

"Got an alternate target?"

Claire nodded and said, "I do have a few alternative targets, you can help me refer to them." The first is Atlanta, which is mainly aimed at the Southeast. The second is St. Louis, which targets agriculture in the central Great Plains. The third is Minneapolis, which is mainly aimed at the North Midwest. The fourth is Sacramento, which is mainly aimed at the west. ”

Link thought for a moment and said, "I think St. Louis should be ruled out first." Now is not the best time to engage them in a hand-to-hand fight. ”

Claire nodded and said, "I've thought about this too." Since you say so, then rule out this place first. ”

"The capital strength in the west is relatively strong, while our business foundation in the north is still too weak. The Southeast is the closest to Texas, and Benehans is doing well. He looked at Claire and asked. "What do you think?"

Claire thought for a moment and said, "Then I'll focus on Atlanta." ”

He felt that Link was right. St. Louis is one of the strongholds of GMO. Maybe Benehans can win by going head-to-head with them, but the easier ones are the better ones.

Agriculture in the west is mainly cash crops, especially in California, where agriculture is particularly developed, and the capital force is very strong, and it is also a relatively difficult area.

In the north, because of the production capacity of Beni Hans, the promotion of the amaranth virus there is relatively lagging behind.

The Southeast is indeed the most suitable area for their joint agricultural and financial expansion plans at the moment.

He thought for a moment and said, "So, when the banks in Atlanta are stabilized, what are we going to do next?"

"Let's see the situation first. Maybe by then, we'll already have the ability to defeat our opponents in one fell swoop. ”

Now they also don't know when the third bank was founded. Perhaps by that time he had already successfully promoted high-yielding wheat. At that time, the weapon in his hand will be strong enough.

"Well, let's start with a second bank. But how will we distribute our shares this time?"

A lot of people have invested in the Texas Development Bank. Including Claire and Neil. But this time they certainly don't have that capital investment.

Link thought for a moment and said, "I, Jessica, and the bank are definitely going to invest." In addition, the Texas Development Bank can also invest. The rest of the shares, let's see who is willing to invest. Of course, there is no rush to know for sure now. Maybe we can wait until the end of the year to pay dividends. ”

Claire laughed when she heard this.

What Link meant by this was that he hoped that he and Neil would also invest. Because whether it is a financial investment company or a bank, there will definitely be a lot of dividends this year. Maybe they can raise enough capital to invest in the new bank.

Link thought for a moment and said, "Counting the shares, I, Jessica and Ozart, Bank and Texas Development Bank can add up to more than 50%, and you can look at the other shares to find investors." ”

"Do you want to exchange shares between the two banks?"

"If the other directors agree. I have no opinion!"

The shareholders of the two banks cannot be the same, and only a share swap can fully unite the two banks.