Volume 1, First Pot of Gold, Chapter 759, Future People Bank (Asking for a Monthly Pass!)

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A company is like a beast. ￥f。 ￥f

The more hands and feet the beast has, the larger its body, the more intricate the veins beneath its skin, and the more blood flows through its veins. For a company, banknotes are the blood that keeps them functioning, supplying blood to the company's various tissues and creating value in circulation.

A series of measures such as business expansion, operational mistakes, and strategic adjustments may lead to temporary "blood loss" of the company. Normally, the best solution at this time is to borrow from the bank, but the future people group is facing a problem.

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

So, referring to the practices of the Boston consortium and the Rothschild family, Jiang Chen decided to build a blood supply heart for his future group

What could be more convenient than opening a bank yourself and taking out a loan

Now that it's decided, do it

The next day, the Futureman Group acquired a California-based bank for $600 million through a subsidiary of Guò and renamed it Futureren Bank. The scale of this future bank is not large, with only about 20 bank branches in California, less than 1 million depositors, total deposits of only 4.8 billion US dollars, a loan-to-deposit ratio of 71, and a few bad debts.

At the same time when people speculated about why Futureren Group would acquire this little-known small bank in California, Futureren Group announced in a high-profile manner that it would inject $10 billion into its Futureren Bank, and at the same time carried out premium mergers and acquisitions of 11 small and medium-sized banks in North America, Europe and Asia.

The progress of the merger and acquisition is very smooth, mainly because the price offered by the future people group is impossible for the shareholders of several banks to refuse.

Immediately afterwards, the Bank began to reorganize, integrating the businesses of these 11 small and medium-sized banks under the same name of the Bank, and directly transformed into a multinational bank.

The news of the opening of Penglai City is still fermenting, and the Future People Group has made another big move. With such intensive acquisitions of banks, do they not only want to do the Internet, but also directly intervene in finance?

This move of the Future People Group immediately attracted the attention of Citigroup, Morgan and other banks in the United States. Although they don't think that the Future People Group is worthy of being their opponent in the financial field, the terrifying influence of the other party on the Internet still makes them old banking giants dare not take it lightly.

And as it turned out, their worries were not unfounded.

After the completion of the restructuring, FutureBank immediately held a press conference to announce to the media that FutureBank has reached a cooperation with Futureren Technology, a subsidiary of the group, to simplify the payment procedures for virtual reality content. After applying for a bank card of Futuresin Bank, Futureman Technology will automatically register an online banking ID for it, which can be activated and used only after identity information verification.

As soon as this move came out, the number of depositors handled by the Future Bank immediately rose by a level. However, what really motivates people to save money is not because of any simplification of payment procedures, but because in the future, the interest rate of bank savings will be as high as 1, and the interest rate of one-year fixed deposit will reach 4, which is a visible benefit for the vast majority of ordinary people

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

"That's right, the main business of our Future People Bank is to lend money to the Future People Group, is it possible to have bad debts if you lend to the Future People Group, look at the machine at your home, Xiao Lin, and the uture on your wrist, do you think the Future People Group may go bankrupt, so please rest assured that you will deposit your money here, unless the Future People Group goes bankrupt, you will never have to worry about not being able to withdraw your deposits." ”

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

However, even if there are these discordant voices, they still can't stop the Future People Group from entering the financial industry. After announcing the cooperation with the parent company, the number of depositors and the total amount of deposits have increased at a visible rate. By the end of March, that number had grown to an alarming level

"At present, the Bank has 17.41 million depositors worldwide, and the total deposits are 112.1 billion in US dollars according to the exchange rate, with a deposit-to-loan ratio of 77. At present, the EO of Futureren Bank has proposed to us the idea of going public for financing, and then using the raised money to acquire other banks for expansion, what do you think?" asked Xia Shiyu.

Injected 10 billion yuan into Future People Bank to complete the mergers and acquisitions of 11 banks, counting the 20 billion yuan previously injected into Transwarp Trade, and now the liquidity of Future People Group has become a piano line.

"Does listing mean information disclosure?" Jiang Chen asked in a deep voice.

Xia Shiyu nodded, "If a listed company has a heavy investment project, or a heavy business adjustment that may cause stock price fluctuations, it is obliged to disclose the details of the project to the public, but it is only to disclose the investment details, and the part involving trade secrets can also be retained." My advice is that if you're just going to use the future bank to prop up the parent company's business, 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 People Group.

And going public is undoubtedly the best choice to expand your business

Financial giants, including Citigroup and banks, are not listed companies without exception. It was with the money raised by going public that they were able to accelerate their expansion and crush their complacent competitors.

Old financial giants like Rothschild, although they are rich themselves, are no longer as influential as Citigroup and Morgan. 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 going public.

In a sense, Jiang Chen is also this kind of person, but recently he has made some changes that conform to the times.

In the financial field, Jiang Chen can't come up with any easy black technology, at most he will work depositor information security. However, the security of depositors' information alone may not be used as a selling point for absorbing deposits. If you want to expand the business of the future bank in a short period of time, you can only go public to make money, and then use the money to merge and buy competitors

"Is 30 enough" Jiang Chen asked after pondering for a long time.

"Enough. Xia Shiyu nodded.

"Good, that's it. Putting aside the listing in advance, I need the Future People Bank to temporarily tighten the lending policy externally, and the deposit-loan ratio will remain at 80, giving priority to meeting the loan needs of the Future People Group."

"Yes" to be continued.