A company is like a wild beast.
The more limbs this beast has and the larger its body, the more intricate the blood vessels under its skin and hair, and the more blood flowing through them. For a company, banknotes are the blood that maintains its normal operation, supplying blood to various organizations of the company and creating value in circulation.
A series of measures such as business expansion, operating errors, strategic adjustments, etc. may lead to temporary "blood loss" of the company. Generally speaking, the best solution at this time is to get a loan from a bank, but Future People Group is facing a trouble.
That is the banks of the new country. I am afraid that they do not have the ability to transfuse blood for the future people group.
So, after referring to the practices of the Boston Consortium and the Rothschild family, Jiang Chen decided to create a blood supply heart for his Future People Group!
What could be more convenient than opening your own bank to get a loan
Now that you’ve decided, do it!
The next day, at lightning speed, Futureman Group, through its subsidiaries, acquired a bank in California for US$600 million and renamed it Futureman Bank. The scale of this future bank is not large. It has only about 20 bank branches in California and less than one million depositors. Its total deposits are only 4.8 billion US dollars, with a deposit-to-loan ratio of 71%. Among them are A few bad debts.
While people were speculating on why Futureman Group wanted to acquire this little-known bank in California, Futureman Group announced in a high-profile manner that it would inject US$10 billion into its subsidiary Futureman Bank and also invest in companies located in North America and Europe. , a total of 11 small and medium-sized banks in Asia carried out premium mergers and acquisitions.
The merger and acquisition progressed smoothly, mainly because the price offered by Futureman Group was simply unacceptable to the shareholders of several banks.
Immediately afterwards, Future Bank began its restructuring work, integrating all the businesses of these 11 small and medium-sized banks under the same name, Future 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, are they not only engaged in the Internet, but also directly involved in finance? !
Future Group's move immediately attracted the attention of American banks such as Citigroup and Morgan Stanley. Although they do not believe that Futureman Group is worthy of being their opponent in the financial field, the other party's terrifying influence on the Internet still makes them, veteran banking giants, dare not take it lightly.
And it turned out that their worries were not unnecessary.
After completing its reorganization, Future Bank immediately held a press conference and announced to the media in a high-profile manner that Future Bank had reached a cooperation with Future Bank Technology, a subsidiary of the same group, to simplify the payment procedures for virtual reality content. After applying for a future bank card, Future People Technology will automatically register an online banking ID for you, and you only need to verify your identity information before you can activate it.
As soon as this move came out, the depositor processing volume of Future Bank immediately rose by a level. However, what really motivates people to save money is not the simplified payment procedures, but the fact that in the future, the interest rate for current savings in banks will be as high as 1%, and the interest rate for one-year fixed deposits will be as high as 4%. For the vast majority of ordinary people, Say, this is the visible benefit!
At the press conference, the CEO of Future Bank was even more outspoken when asked by reporters.
"Yes, the main business of our Future People Bank is to lend money to the Future People Group! Is it possible that there will be bad debts when lending to the Future People Group? Look at the robot Xiaolin in your home and the Future on your wrist. What do you think of the Future People Is it possible that the group will go bankrupt? So please feel free to keep your money with us. Unless the group goes bankrupt in the future, you will never have to worry about being unable to withdraw your deposits."
Of course, there are also voices of doubt. For example, some colleagues have hired experts and scholars in the financial field to question the safety of Future People's bank deposits from the perspectives of being too single in fund allocation and poor risk resistance.
However, even if these discordant voices exist, they still cannot stop Future Group from entering the financial industry. After Futureren Bank announced the cooperation with its parent company, the number of depositors and total deposits have increased at a visible rate. By the end of March, that number had grown to an alarming level…
"Currently, Future Bank has 17.41 million depositors worldwide. The total deposits converted into US dollars according to the exchange rate are 112.1 billion, and the deposit-to-loan ratio is 77%. At present, the CEO of Future Bank has proposed to us listing financing, and then using the financing What do you think about the idea of acquiring other banks for expansion?" Xia Shiyu asked.
After injecting 10 billion into Futureman Bank to complete the mergers and acquisitions of 11 banks, including the 20 billion previously invested in Xinghuan Trading, Futureman Group's liquidity is now stretched like a piano wire.
"Does listing mean information disclosure?" Jiang Chen asked in a deep voice.
Xia Shiyu nodded, "If a listed company has a major investment project, or a major business adjustment that may cause stock price fluctuations, it is obliged to disclose the project details to the public, but it is only the investment details, and the part involving business secrets is also You can choose to keep it. My suggestion is that if you just plan to use Future Bank to support 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 Future People Group.
Going public is undoubtedly the best choice for business expansion!
Financial giants including Citigroup and ******** Bank are, without exception, not listed companies. It is precisely with the money raised from listing that they can accelerate their expansion and squeeze out their complacent competitors.
Established financial giants such as Rothschild Bank, although they are very wealthy, 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 its shares and has never considered the issue of listing.
In a sense, Jiang Chen is also this kind of person, but he has made some changes to adapt to the times recently.
In the financial field, Jiang Chen couldn't come up with any useful black technology. He could only work hard on the security of depositors' information. However, the security of depositors’ information alone may not be a selling point for attracting deposits. If you want to expand the business of Future People Bank in a short period of time, you can only go public to collect money, and then use the money to make mergers and acquisitions and buy out your competitors!
"Is 30% enough?" Jiang Chen asked after pondering for a long time.
"That's enough." Xia Shiyu nodded.
"Very good, that's it. Putting the listing aside in advance, I need Future People Bank to temporarily tighten its lending policy, keep the loan-to-deposit ratio at 80%, and give priority to meeting the loan needs of Future People Group!"
"yes!"(.)