"Yes, if I don't take advantage of the past few years to increase leverage and strengthen myself, I won't have such a good opportunity in the future! I will go to Robert's place in the afternoon and I will leave tomorrow. Of course, in a week or so, I may

I have to come back to help Jenny and the others move. Melis is going to study in California, and Anna and Joey are also planning to go there to develop their careers. Leaving Jenny here alone, I'm also worried that she'll be bored, so I might as well move them all.

Go over there!”

"This should be temporary, right? I've even prepared Anna and Joey's wedding gifts, so don't leave"

"Of course it's temporary, we will all come back, don't worry! In the future, we will build a new house on the mountainside in the south, and we will be neighbors, hahaha! Let's go!"

After leaving the bank in a hurry, Carter began a busy day.

The meeting with Robert mainly discussed the matter of a joint referendum of Coffee County residents to apply to the state government to legalize local gambling. For specific operations, Carter and Robert planned to wait for the economic effects of Douglas to radiate out to surrounding towns.

, wait until the residents there feel the benefits of intuition before bringing up this initiative

There is not much to say about this. After all, this place is different from Las Vegas. The emergence of Las Vegas was largely due to the opportunities of the times. Although Coffee County at this time was not wealthy, it was not as wealthy either.

After the gold diggers evacuated, the desert city of Las Vegas was so poor that there was nothing but yellow sand in the sky.

It is an almost impossible task to unify the thinking of the whole county and collectively call for the legalization of the local gambling industry without facing the difficulty of food and clothing without letting them see that "there is meat to eat with Douglas"!

The computer production company was an industry that Carter planned to put down.

Although the design and business work center can be placed in Douglas City, the production plant must be placed in Carter. The assembly plant can be placed in Ink Town, which is a place that can be reached by car from Douglas in about 20 minutes.

town. And the customized chemical factory is located in La Freddy

Coffey is a small county, emmm. It should be said that in Georgia, almost no county is as large as it is. After all, there are too many counties in Georgia!

Coffee County includes Atkinson County next door. Except for the county seat, which is still a city, most of them are towns. Coffee County is relatively better. At least it has a university, even if it is a community college in Atkinson County next door,

But there isn't even a community college.

With such a basic base, even if Carter still uses prison inmates as workers, jobs will not be directly provided to these small town residents. But the food, clothing, housing and transportation needed by these prisoner workers can significantly boost the local economy.

Small volume, natural and quick results!

Make it easier for them to sell their crops, so that they can use their cooking skills or labor to earn some money from prison. These small favors will be given first, and as for the subsequent investment recruitment work, let's take it step by step!

After returning to New Haven, Connecticut, I suppressed the reaction of Vice President Stevens, who was so excited that he almost had a cerebral hemorrhage. Anyway, even if the community college procurement is converted into a unified Yale order, the meeting cannot be held until the semester starts and all faculty and staff are at work.

Sure.

Carter went directly to the New Haven branch of Black Flag Commercial Bank

Although they keep saying that the "Basel Accord" has no constraints on the current black flag banks, the pressure of regulatory tightening has already arrived!

The credit card business that was not going smoothly in Douglas was transferred to Black Flag Commercial Bank; at the same time, the trust business, which had been opened but was basically ignored in Douglas, was also transferred to this bank along with the credit card business.

In addition to some guarantee business, commitment business, and the investment business group that were originally in Black Flag Savings, which were planned to be opened but have not been implemented, Carter transferred them to Black Flag Commercial Bank.

The purpose of these actions is also to better liquidate assets. All off-balance sheet businesses of Black Flag Savings will be divested, making it easier for Black Flag Savings to meet regulatory requirements.

What you have to do sooner or later is better to do early!

At the same time, this also has the advantage of further dividing savings banks and commercial banks. In the days to come, the function of Black Flag Savings is to absorb funds!

As for how to spend money, it is up to commercial banks!

Speaking of which, this can be regarded as an operation method that takes advantage of the current regulatory loopholes. After transferring the funds to commercial banks, Carter can do more.

Sitting in Black Flag Commercial Bank, Carter not only needs to supervise the employees of the credit card business department and run the market again in New Haven. The transfer and handover of various files also needs to be carried out simultaneously.

After all, in the future, the main business location of commercial banks will be in the northeastern United States, and a new legal team will also need to be established. After the framework is formed, it will be the components of the microfinance company.

Now that he has become the chairman of the Yale Board of Governors, and with the successful conclusion of this recruitment process, Carter can foresee that his influence within Yale University will further increase when the semester begins.

The time is ripe to launch microfinance products on campus!

Regarding credit report records, the customer data of microfinance companies and the customer data of Black Flag Commercial Bank are interoperable. To achieve this, the construction of electronic informationization must also begin.

To this end, in addition to spending money in advance to purchase a batch of computers, Carter had to spend money to purchase a batch of relational database software from Microrim, and also customized some additional mutual transmission interfaces to form a complete process.

Carter estimates that this operation process of transferring residents' deposits from savings banks to commercial banks, and then using commercial banks to lend to credit companies, and the credit companies to ultimately lend money to end customers, will not be available for a few more years.

In my memory, 1988 was the time when the first version of the "Basel Agreement" was officially introduced, and the window period left for me was only five years.

It’s not that Carter has never thought about using the differences between international banks due to different laws in different countries, including different regulatory levels, to engage in regulatory arbitrage and even capital arbitrage.

Maybe not in the past, but now, after studying elective courses, Carter has understood the logic even though he is not proficient in it. It is not impossible to recruit some teams. But after Carter thought about it, he still gave up.

The essence of finance will eventually return to industry, and the foresight of time-travelers is also more obvious in industry. There is no need to give up one's own advantageous track and compete with peers, right?

As long as there are sufficient financial guarantees, Carter believes that his profitability will exceed everyone's imagination!

"Mr. Black! The microfinance product, 'Take it, use it' has been designed. Take a look! We target the college student group with the credit limit, designed between US$500 and US$10,000, and the interest rate standard is tentatively set as the annualized interest rate.
Chapter completed!