Carter didn't know what Old Black's reaction was, and he didn't bother to guess.

At this time, Carter only felt aggrieved, extremely aggrieved! What the hell is this?!

As mentioned before, merging nearby banks through FDI channels is the most efficient and least difficult way to merge banks. However, because the review last year was before the receipt of the gold income, the current asset rating of our bank has been overrated.

It's so low that the FDI doesn't even consider letting it take over bankrupt banks...

So the question is, now that 28 million funds have been injected, can we go back to the FDI and apply for re-assessment?

Yes! Of course!

But in this way, wouldn't it expose its own trump card? If the fdic knew that it had such a large sum of money, it would be easy to merge with the bank. It would be so easy that the fdic could stuff itself with so much money that it would go bankrupt.

The bank comes over.

Nothing goes too far, and the same goes for mergers and expansion!

Now that fdic doesn't care about him, it certainly makes Carter depressed. But if he lets fdic know his trump card, cares too much about himself, and then makes a lot of mess for himself, that scene... I'm afraid it will be even more depressing than now.

Taking over those banks not only took over the market, but also took over the debt! In Carter's mind, one bite cannot make you fat, and he never thought about swallowing up a lot of the market in one go. That would be impossible for him to digest!

Taking things slowly, city by city, is what Carter wants to see. But the reality right now is: Either you don't want to take any of them! Or you can take them for me...

"Do you think it's okay if I transfer part of the funds to another bank?"

Thinking of this sad fact, Carter frowned and thought...

"Do you want to blow yourself up?"

Goodman slowly smoked a cigarette and poured cold water on Carter's head.

At this time, assets worth tens of millions of dollars are no less than hundreds of millions of dollars in the future. Where can such a large amount of money be deposited in a bank?

If you were in New York or Los Angeles, there might be many answers to this question. But in Georgia, sorry, there is only one answer: the Federal Reserve Bank of Atlanta!

In other small and medium-sized savings banks, if you dare to deposit, they will call the police! Think about how big Black Bank was in the past, and that was the size of most small savings banks or savings and credit unions in the United States in this era. Besides, even if they don't

Calling the police, Carter himself was worried about leaving such a huge sum of money on someone else's property.

And deposited at the Federal Savings Bank of Atlanta...

Their size is large enough, and I can rest assured that they will not hack my money, and they will not call the police when they see such a sum of money. But if they don't call the police, they will definitely not call the police.

Find out where you got so much money from, and then find out how you can hide the fact that you, as the owner of a savings bank, are trading stocks and futures?!

"Then we just watch helplessly?!"

Carter was a little discouraged and felt the pain of having too much money for the first time.

"Or should I buy some more stocks and consume a little more?"

"No! My little boss, just because you've made money these few times doesn't mean you can always make money! That's why you promised me not to take risks!"

If America hadn't had the habit of calling "ancestor", Carter would have no doubt that Goodman would have exclaimed "ancestor". Goodman hurriedly stopped the "crazy" Carter, but Goodman didn't dare to be pretentious anymore.

"Let's wait a moment. With the current environment like this, there are probably not many people who are capable and willing to take over Forest Bank. Wait for the fdic people to be busy first, and they can't find a suitable one within a radius of 150 kilometers nearby.

When they took over the job, I think they would have organized a meeting with various banks."

"If one bank doesn't have the strength to take it, then find a few more to come together! Each bank will not contribute much money, and at the same time it can share the risk. This is what the FDI has always done. When they hold this meeting, you

Go ahead and complete your plan."

"You mean to participate in fundraising mergers and acquisitions first, and then recover shares from other banks?"

Carter smashed his mouth, which seems to be a good way. It avoids supervision and unnecessary troubles, and can secretly complete his merger and acquisition goals.

The straight-line distance between Pilsen and Douglas is only about 41 kilometers, making it very convenient to mobilize funds. As one of the cities closest to Douglas, Pilsen was naturally targeted by Carter.

"But will they not take us to play during this meeting?"

He was happily making a small calculation in his mind. Not long after he had made the calculation, Carter suddenly thought of a not so wonderful possibility...

"It's possible, but what can you do now? Wait for a while. If not, even if you take the initiative to seize the market, you have to train a group of people, and then wait for the working group to leave before taking action. As for now, you should still do it

Just do it!"

With a "pop" stamp of rejection, Goodman replied casually. Then, Goodman was suddenly stunned:

"Hey, that's not right! We have abundant funds now. This loan... we didn't lend it out before in order to resist risks. But now we have a strong ability to resist risks. Should we lend it out as appropriate? After all, this is a bank.

, it’s not a problem to rest on one’s laurels if it has never been profitable!”

"What is the basic loan interest rate of banks outside now?"

Goodman's words immediately caused the two of them to die on the spot. After the two idiots looked at each other, they chose to ignore the embarrassing question of "Why are you still refusing a loan even though you are rich?" Carter said softly.

After coughing, he asked about business.

"I inquired about the basic loan interest rate, and it is now about 13.65%."

“What about those with a term of more than five years?”

Carter muttered a little when he heard this, the basic loan interest rate is a bit low!

Carter doesn’t know if there is such a term in China for this basic loan interest rate. Anyway, in the United States, the basic loan interest rate refers to the short-term general loans that U.S. banks grant to customers with the highest credit ratings and best credit records in their bank.

interest rate.

It can be roughly understood as the lowest interest rate standard for a bank. In a normal year, the basic loan annual interest rate of 13.65% is already an extremely high interest rate. In the future, the normal basic loan interest rate of American banks will usually not exceed 5

%.

But this interest rate is a bit weird now! Don’t forget, the federal funds rate is now over 16%, how come the loan interest rates in this market can’t keep up with the benchmark interest rate?!

"Long-term loans of more than five years are 16.32%, and residential mortgage loans are slightly lower, 15.83%."

Unlike Carter, who pays little attention to changes in interest rates, Goodman, as the manager of Black Bank, has always paid attention to and tracked these sensitive data, even if his own bank does not grant loans for the time being.

Seeing Carter's surprised expression at this time, Goodman, who had heard Carter predict in advance that the federal funds rate would rise, could easily guess what Carter was surprised about.

After Goodman reported the loan interest rates of nearby peers, he helplessly spread his hands:

"It's not that they deliberately set the loan interest rate low. In fact, for customers, the loan interest rate is already very high, and no one dares to lend. At the current interest rate standard, they can't lend money for a month.
Chapter completed!