For fifty-six thousand dollars, you can buy a bank?!

Carter dug his ears, wondering if he missed a zero. But thinking about the English pronunciation, or even the Chinese pronunciation, the difference between fifty-six thousand and five hundred and sixty-six is ​​quite big. This is completely

It’s an unmistakable number!

Maybe fifty-six thousand is just the starting price?

Looking around at the "elites" around him, Carter suppressed the excitement and impulse in his heart and chose to continue waiting. Let's take a look at the situation first...

Carter remembers seeing a very outrageous question on Zhihu: How to prevent people from seeing your depth when you do something for the first time? The answer with the most likes was two words: Shut up!

Carter, who kept his mouth shut, looked inexplicably deep against the straight formal suit and old-style glasses. Through the flat mirror, the pair of blue pupils seemed to radiate wisdom...

"Hey, little Blake! Is this your first time to participate in this kind of event? Now that you hear it, what do you think of the Forest Bank problem?"

Just as a light source attracts moths, a person who shines brightly in a crowd will often become the center of a small group. At this time, Carter's bright pupils followed this law and attracted a fat flying bird.

moth...

Carter turned his head, a little surprised that someone would actually ask for his opinion. As a rookie in the banking industry, he could only sit at the table because he was the boss.

Don’t you see that there are a few young people who are just like you, or even older than you, standing by the wall honestly? Come and ask your own opinion, are you sure you haven’t had a cerebral hemorrhage in ten years?

Or simply teasing the novice and playing tricks on the novice? Well... this possibility is very high!

"See with your eyes!"

Carter, who thought he was being teased, silently responded with a joke from his past life. Just kidding, who doesn't know how to do that?

"Um..."

The fat man looked at Carter's calm eyes and stern face, and then thought about Carter's words "see with your eyes", as if he had an epiphany, a smile full of meaning appeared on his face.

"That makes sense! Let's keep looking..."

"Pfft! Mr. Patterson... your offer is so insincere! If it were this price, there would be no need to continue this meeting!"

While wondering what the fat man thought made sense, a sudden sneer came from the venue, attracting Carter's attention.

"Mr. Randall! Please believe that the quotation we gave after professional review is absolutely reasonable! It is also the most suitable quotation!"

Faced with doubts, Patterson did not show any panic at all. He opened his arms very naturally and continued to introduce... and said:

"Think about it, folks! For only $5,600, a bank with good revenue is yours! You pay $56...well, including the additional capital injection, the total is less than $100,000.

With Forest Bank’s revenue capabilities, it will only take you less than two years to earn back these one hundred thousand US dollars..."

"Shet! Put away your hypocritical words, Patterson! We are all old acquaintances, who can you fool with your words? Oh, I'm sorry, maybe little Carter can be fooled by you..."

Carter, who was suddenly lying on the gun, blinked his big eyes innocently...

This statement... seems impossible to refute!

My first reaction when I just heard the quote of 56,000 yuan was that I thought it was worth it! Let’s not talk about anything else, just look at Forest Bank’s current asset status. First of all, it still has more than 1.6 million yuan in cash deposits.

I won’t talk about this anymore...

The loans of more than 2.7 million yuan are based on the current limited business scope of savings banks. It is not difficult to guess that 90% of the loans of more than 2.7 million yuan are residential mortgage loans. The interest rate of this loan is in the United States.

Usually not too high.

If it is a home purchase loan, it is a home loan. In normal years, U.S. home loan interest rates usually fluctuate between 3.25% and 4.4%, and rarely exceed 5%. Home mortgage loans are not much different from home loans, but relatively speaking

The interest rate will be slightly higher, around 4%-4.8%, and rarely exceed 5%.

Just take an approximate interest rate of 4% and make an estimate. Even if you don’t continue to lend, the annual profit from these two million and seven million loans alone can exceed 80,000 US dollars! The principal can be repaid in one year! Although the principal of these loans

The recovery of gold cannot be done in one year, but it also made Carter feel that the price is really not expensive!

"You have been emphasizing the revenue of Forest Bank, why don't you talk about the risks? Forty thousand, no, one hundred thousand capital, to guarantee the risk of more than 2.7 million, this risk is too great. And the loan can be profitable

Of course it’s good, but what if you can’t make a profit? The bad debt ratio...I believe the bad debt ratios of all banks are rising now, right?”

With a wave of his arm, the person who stood up to object to the price unceremoniously stabbed the hearts of almost everyone present. If it were in an anime, there should be a sound effect of "vomiting blood" at this moment.

.

While Carter was eating melon and watching the fun, he was thinking secretly. Unfortunately, he is one of the very few people who does not have a headache about the bad debt rate.

Oh, by the way, bad debt is the written name for bad debt. The reason why Carter doesn't worry about it is simple:

Just like dealing with moral kidnapping, as long as I have no morals, you can't kidnap me. In the same way, bad debts, bad loans... As long as I don't lend money, I will never have bad debts!

"In this environment, you are unilaterally advocating the revenue capability, which is completely avoiding the important matter! In such a high-risk asset, and in such an economic downturn, when we take over Forest Bank, we need to prepare minimum reserves for it.

We also need three hundred thousand!”

"At this time, you actually want to sell it for 56,000... Humph, have you FDI recently used the insurance premiums we paid to speculate in silver? Now you are losing money?! You don't even have basic sense.

Got it!"

Damn it! That’s tough!

Carter secretly cheered in his heart. After so many people's resistance, he gradually realized that the price seemed to be really high. This was not because Carter was unaware of the consumption of risk reserves, but...

300,000 to 500,000 will do! He will have so much money now that he will have no place to spend it!

Anyway, if the reserve of 300,000 yuan is transferred to the Forest Bank, isn’t it also your own money? Once it goes and comes back, it means there is no loss, right? It is nothing more than the money in the left pocket moved to the right pocket, and then what about the right pocket?

, it is temporarily sewn with threads and cannot be used directly.

The money is still my own money! I bought this bank for 56,000 yuan, but the actual expenditure was only 56,000 yuan.

From the perspective of fifty-six thousand, Carter thought it was a good deal. But now that someone was charging into the battle, Carter didn't have to worry about jumping out and shouting "I, Carter, make money," right?

"Ahem, Mr. Alves, and everyone. Let me make it clear first that our bank insurance fund under the Federal Deposit Insurance Corporation cannot engage in high-risk futures trading. We are still supervised by the Ministry of Finance. Why?

It is possible to do such a thing. Even if we want to, we can’t do it!”
Chapter completed!