Knock down small banks?

It's easy to do. Pen, fun, pavilion www. biquge。 infoThere is one problem with all small banks: money. They have a rather limited amount of capital of their own, and are therefore unable to lend large amounts or at all, and are unable to make large-scale investments in the stock market - and are extremely afraid of failure, and that their business conditions will become bleak if stocks fall, or if there is a downward trend, which in turn further affects the rate at which these banks accumulate money.

Small banks have little resistance to the risks that frequently arise in their business activities and can go bankrupt at any time.

Of course, this is well known, so most low-income Americans prefer to keep their money at home rather than in a small bank – but with the little personal credibility that bank owners have built up over time, these dismal financial institutions can still gain some customers. But everyone knows that destroying credibility can be called a breeze compared to the difficulty of building it.

In fact, even the slightest unfounded rumor could lead to the bankruptcy of a small, reputable bank that has been around for many years.

Defeating these weak opponents is no more difficult than pinching a bug to death. Qin Lang didn't even intend to annex them - of course, if a small bank voluntarily joined his banking system, then he could consider changing his decision.

After all, his banking system requires many outlets, like McDonald's fast-food chains, which require numerous independently operated, unified savings and credit unions across the United States. There is no doubt that this work requires a lot of investment, but if you can make full use of the resources that already exist, the place of business, the staff, the social connections...... He would then be able to save a significant portion of his money and invest it in other initiatives.

Although he has very good funds, he also has many plans. And, no matter what the time of day, saving is always a good habit.

More precisely, if Congress and government money are used, the savings are unnecessary; However, when it comes to using your own funds, you must keep costs under strict control.

A successful businessman should develop this good habit.

“…… Well, that's the way it is. Qin Lang came back to his senses and made a gesture, "First of all, start with California and establish our chain savings and credit union system. ”

"How many savings banks are you going to build in the first batch?" Rachel asked. She's calmed down - she's always coming back to her senses quickly as soon as she gets into the formal conversation.

"It depends on how many resources we have access to during the preparation period." Qin Lang replied, and then added: "However, in the four major cities, San Diego, Los Angeles, San Francisco and Sacramento, we need to ensure that each area within their jurisdiction has at least one savings bank. ”

"That means we need to recruit thousands of people." Rachel furrowed an eyebrow, "Do you think the recruiting effort will be able to match your plans?" ”

According to Qin Lang's plan, the bank would be formally established on New Year's Day in 1899 -- less than two months from now. Want to recruit thousands of qualified bank employees in such a short period of time...... It's certainly no problem in New York and Boston, but here it's California.

"Lowering the hiring criteria?" She asked.

Qin Lang nodded. "The average bank employee doesn't need to be financially literate, and they don't need work experience at all, the most basic qualities they need are just writing and arithmetic, which any ninth-grader can do."

"So I can set a lower salary for them." She was satisfied. As a qualified capitalist as Qin Lang, Rachel has an almost paranoid zeal for controlling the company's labor costs. As a result of her efforts and perseverance, the incomes of ordinary workers of the Great Viper Arms Company and Khomel Foods Company were not only not increased, but rather decreased, compared with 1893.

Because the United States is in a period of deflation. Rachel likes to emphasize this "objective factor."

Qin Lang shrugged his shoulders - luckily, Duncan was in China, otherwise he would have had a heated debate with Rachel over the salary - of course, as before, he supported Rachel's decision.

"It's up to you to decide the salary, Rachel." "I must emphasize, however, that recruitment is not the main factor hindering our plans." The real problem lies in the bank's infrastructure. If we don't have the resources that already exist, we have to start construction of every savings bank and install telephones there......"

"Phone?" Rachel interrupted him, "Why did you install the phone?" ”

"At least in the major cities, we need to make sure that every savings bank has a direct link with the bank branches, and between the bank branches and the headquarters, and there is a smooth direct link." Qin Lang explained. In fact, he wants every savings bank, whether it's in a big city, a small city, or a town, to be connected by telephone.

In the era without computers and the Internet, he could only make such a small request, but even so, it was still impossible to achieve for a while.

Because the telephone is not yet widespread, and the telephone companies that provide services are also limited.

"I doubt the phone company will be able to meet your requirements, Qin." Rachel shook her head and didn't say anything more—but Qin Lang was still challenging her endurance.

"I want every savings bank to have an alarm device that connects directly to the police station," he said. And we need to deepen our relationship with the police to make sure they can get to the scene as quickly as possible if something goes wrong......"

"I don't understand," Rachel interrupted him again, "why do we need the police to provide security for the savings bank when we have a mercenary army?" There is no doubt that this is a waste. ”

"And I don't think anyone would be crazy enough to want to rob our bank." O'Connor also said.

Robbing a bank with mercenaries? Any fool who thinks this way and puts it into practice has been hanged - and in thinking so, O'Connor seems to have forgotten that he had robbed an organization as dangerous as the bank, even though someone ultimately took the blame for him......

However, in addition to him, there was another person in this room who had attempted to rob the bank, and was extremely desperate to make it a reality.

Qin Lang never doubted the allure of money for human beings.

"There's always going to be people who are crazy about robbing our banks, and in any way, small savings banks are easier to get hold of than big ones." He smiled pleasantly, "As for the mercenaries, they should be used for more important tasks, and the job of catching bank robbers is left to the police." ”

"What's more," he paused, took a sip of his drink, and continued, "while it is lawful to shoot a bank robber, if it is done by the mercenaries or guards of the company, we will still be blamed, and our enemies will take advantage of the opportunity to create some unfavorable public opinion, and the police will be able to dismiss us completely." ”

His intention was very clear, even if the bank robbers were beaten into a sieve by the police with submachine guns and carbines, the American people, who had always been sympathetic to criminals, could at best accuse the police of excessive force or racial discrimination - if the robbers were black and the police were white, and a hundred years later - even if the sieves of the robbers were actually the meaning of the banks, not that the situation was really serious.

In the wild days when cowboys were prevalent, banks and corporations in the western region hired bounty hunters to hunt down robbers, and now, banks and corporations use the police to eliminate robbers – the world is constantly changing, and the methods used need to change, the only thing that will not change is the outcome.

"What do you think is the problem, Rachel?"

"Nope." She sighed.

Qin Lang turned his gaze to O'Connor. He thought about it for a moment. "Nope."

"Then we can start acting now......"

"Wait." Rachel interrupted Qin Lang's speech for the third time, "What is the name of the bank?" ”

"Didn't I mention it?" Qin Lang looked at her, then at O'Connor, and then remembered that he didn't seem to mention the bank's name.

“Tricell。” He said.

“Tricell？” Strange name. When you think about it, it's weird, and it doesn't look like the name of a bank. For a moment, Rachel and O'Connor thought they had misheard. But they didn't.

“Tricell。” Qin Lang repeated it again.

He was sure, as if he had been going to use the name in the first place—but in fact, the name he had originally intended to use was the Federal Reserve Bank of the United States, which he later felt. It was not appropriate to add the federal to the name of a commercial institution, and since reserves and savings have two different meanings, it was abandoned.

Then he thought of many more names, but did not adopt any of them. Eventually, he decided to name the bank with a somewhat vague word that came to mind: Tricell, the name of a trading company he had been in contact with, of course in the future - Tricell-usa was founded in 1974.

However, Rachel and O'Connor are not clear about this, and they have only one opinion on the name of the bank. "I have to say, you still don't have the talent for a name."

"God is fair." Qin Lang shrugged.

※※※※※※※※※※※※※※※※※※※※※※※※

Note: Tricell-usa is a trading company that does exist, if you are interested, you can browse its website (to be continued, if you want to know what will happen next, please log in to the www.qidian.com, more chapters, support the author, support genuine reading!) (To be continued.) )