EG :: Volume #19

#1810: Pit own Bank of America

LNMTL needs user funding to survive Read More

Feng Yu once had said with voice of the people bank that side, this time US market is chaotic, the risk and opportunity coexist, meet the large quantity transaction, must inform him. 冯宇曾跟民声银行那边说过,此时的米国市场非常混乱,风险与机遇并存,遇上大额交易,一定要通知他。 This time some people want callable loan three One billion US dollars, this digit is big, far ultra voice of the people bank in the absorbing depositors'funds total quantity of US, naturally must report to give Feng Yu. 这一次就是有人要短期拆借三十亿美元,这个数字非常大,远超民声银行在米国的吸储总量,当然要汇报给冯宇。 However according to voice of the people bank US heads, should be able to borrow, the prestige of opposite party is good. 不过按照民声银行在米国这边的负责人来看,应该可以借,对方的信誉非常好。 Borrows, is Bank of America New York Branch. Bank of America, what once used China is Americas bank this name, because they are privately operated joint-stock commercial bank, with the Bank of America name, was worried that China here person thinks this is US Government bank. 来拆借的,是米国银行纽约分行。米国银行,曾经在华夏这边使用的是米国美洲银行这个名字,因为他们是一家民营的股份制商业银行,用米国银行的名字,担心华夏这边的人以为这是米国政斧的银行。 But in fact, this, although is joint-stock commercial bank, may still have the enormous relations with US Government, for example in the families of these bank shareholders, some people hold the post to discuss ~ and other positions. 但实际上呢,这家虽然是股份制商业银行,可依然跟米国政斧有着极大的关系,比如这些银行股东的家族里面,都有人担任议~员等职位。 In this year is time, the US had many bank bankruptcies, loans among major bank, becomes more and more troublesome, the verification is getting more and more strict. 这一年不到的时间,米国已经有多家银行破产倒闭,各大银行之间的拆借,也变得越来越麻烦,审核越来越严格。 But the same business daily interest rate is also Bank of America , etc. lifted, because of this, intensified many small bank going out of business speeds exactly. Counter- Chia Tai bank mainly outward borrows, naturally can get more profits to be best, small bank goes out of business, they same have the means to take back the qualification. 而同业拆息也是米国银行等抬起来的,恰恰也是因为这个,加剧了许多小银行的倒闭速度。反正大银行主要是往外借,当然是能获得更多利润最好了,小银行倒闭,他们一样有办法收回本钱。 „Chief Feng, this is the Bank of America document, has given us not the low interest. Moreover we have analyzed, after Bank of America underwent the mass sackings, the cost drops many, can definitely go through this difficulty.” “冯总,这是米国银行的文件,给了我们不低的利息。而且我们分析过,米国银行经过了大批裁员之后,成本下降许多,完全可以度过这次难关。” Feng Yu has read simply, threw the document in one side: „This interest is not the rating is highest, told them, we wanted the rating maximum interest, moreover must the first repayments power.” 冯宇简单翻看了一下,将文件扔在了一边:“这个利息并不是额定最高的,告诉他们,我们要额定最高的利息,而且要优先还款权。” The so-called first repayments power, is after the contract expires, voice of the people bank can request Bank of America first first also their money, because Bank of America possibly lent money from many bank at this time. 所谓的优先还款权,就是当合约到期后,民声银行可以要求米国银行第一个先还他们的钱,因为这时候米国银行可能从多家银行都借了钱。 First the repayments, can reduce the voice of the people bank risk. However the general requirement repayments power, the interest relatively is first low. The risk is low, the profit naturally also lowers. 优先还款,可以降低民声银行的风险。但是一般要求优先还款权的,利息都相对低一点。风险低,利润自然也就低。 Feng Yu must now the maximum interest, as well as the first repayments power, to clarify must take advantage. 冯宇现在既要最高的利息,又要优先还款权,摆明了就是要趁火打劫。 Bank of America receives country ~ can with the request of George Bush office/bureau, probably help some Company get through the difficult time, and takes over financial Company that the application goes bankrupt, naturally US Government will also give Bank of America certain commitment, for example ensure their debts can certainly take back on time, and gives the convenience in other aspects. 米国银行受到国~会和小布十办公室的要求,要帮助一些企业渡过难关,并且接手一些申请破产的金融企业,当然米国政斧这边也会给予米国银行一定的承诺,比如保证他们的债务一定能按期收回,并且给予一些其他方面的便利。 Must say why George Bush relates with Bank of America such well, is mainly the Bank of America back shareholders, is actually the George Bush firm supporter. 要说小布十为什么跟米国银行关系这么好呢,主要就是米国银行背后的股东们,其实就是小布十的坚定支持者。 The George Bush back is standing many armed forces ~ hot business, this everybody is clear, therefore after he comes to power, launched many wars ~ struggle, has helped these armed forces enormously ~ the hot business makes money. 小布十的背后站着许多军~火商,这点大家都清楚,所以他一上台之后,就发动了许多战~争,极大的帮助了那些军~火商赚钱。 But the site in Bank of America headquarters, is California, the California most important industry is anything, armed forces ~ fire! 而米国银行总部的所在地,就是加州,加州最重要的产业是什么呢,军~火！ Therefore why Bank of America must support the George Bush government order, because this is in itself a transaction. Moreover in the future they will continue to push the person superiors of arrange ten families , to continue maintains their cooperation. 所以说为什么米国银行要支持小布十的政令,因为这本身就是一场交易。而且未来他们会继续推布十家族的人上位,继续保持他们的合作。 Even if now, they cannot look at George Bush to fall from power, this will affect the reputations of arrange ten families, has very tremendous adverse effect to their future cooperation. 哪怕是现在,他们也不能看着小布十倒台,这会影响布十家族的声誉,对他们的未来合作也有着很大的不良影响。 Also, they are grasshopper on a rope, naturally must jump da toward one. 再说了,他们本身就算是一条绳上的蚂蚱,当然要往一头蹦跶。 Let alone helps Government take over is on the verge of the bankrupt Company, they not necessarily owe. First will have some bad assets to be stripped, then they can also the seizing the chance expansion scale, obtain some high risk bond anything. 更何况帮助政斧接手一些濒临破产的企业,他们也不一定亏。首先会有一些不良资产被剥离,然后他们还可以趁机扩大业务规模,得到一些高风险债券什么的。 Government here policy, can make in their hands these bonds appreciate largely, thus gets rid of the loss, and gains to the good profit. 政斧这边一条政策,就能让他们手中那些债券大幅升值,从而摆脱亏损,并且赚到不错的利润。 Previous generation Bank of America does not have few support George Bush, the crisis of this two group, Bank of America not also take action. From the commercial point analysis, two groups had definitely been finished, but if Government is willing to help, then two groups have turning over time. 前世米国银行也是没少的支持小布十,这次两房集团的危机,米国银行不也出手了么。从商业角度分析,两房集团肯定是完蛋了,但是如果政斧肯帮忙,那么两房集团就有翻身的时候。 Bank of America wants the callable loan at this time, definitely also to give two groups scratches fart ~ stock, or found the way that other have made money. 米国银行此时要短期拆借,肯定也是为了给两房集团擦屁~股,或者是在这其中找到了其他赚钱的途径。 Since Bank of America looked for voice of the people bank this not to reveal the mountain not water leakage foreign capital bank, explained that they really needed money. 既然米国银行都来找民声银行这个不显山不漏水的外资银行了,就说明他们真的很需要钱。 That while the opportunity, the maximum interest, the best condition? 那还不趁着机会,要最高的利息,最好的条件？ In any case voice of the people bank with Bank of America is not the partner, doesn't everybody competitor, when at this time start to treat? 反正民声银行跟米国银行也不是什么伙伴,大家还是竞争对手,此时不下手更待何时？ The presidents of Bank of America New York Branch frown at this time, this voice of the people bank also too daylight robbery, not only proposed must the maximum interest, but must the first repayments power. 米国银行纽约分行的行长此时皱着眉头,这个民声银行也太狮子大开口了,不但提出要最高的利息,还要优先还款权。 This they also in hesitant, the opposite party also proposed, at this time exchange rate, settles accounts with rmb. In other words, now you taking advantage of three One billion US dollars, then defers to 1 : 7.4 exchange rate to calculate that is approximately 22.2 billion rmb. 这他们还在犹豫呢,对方又提出了一条,以此时的汇率,用rmb结算。也就是说,现在你借三十亿美元,那么按照1:7.4的汇率来算,就是约22200000000rmb。 When your time , must convert US dollar repayment according to 22.2 billion rmb, the interest is also same. 等到你还的时候,也要按照22200000000rmb换算成美元偿还,利息也是一样。 But everyone knows, although this time rmb does not have the powerful to appreciate, but US dollar is depreciating. When their repayments time, this value three One billion US dollar capital, possibly rose close one hundred million US dollars! 可是谁都知道,此时的rmb虽然没有强势升值,但是美元在贬值啊。等到他们还款的时候,这原本价值三十亿美元的本金,可能就上升了接近一个亿美元！ Originally some disparities, but can also make up for the Bank of America interest expense, but now, they must owe. 原本这部分差距,还能弥补一下米国银行的利息支出呢,但是现在,他们要亏更多了。 Bank of America is deferring to the above request at this time, takes over some services of two groups, helping these two Company get through the difficult time, naturally can also receive in exchange for the convenience in other aspects. 米国银行此时在按照上头的要求,接手两房集团的一些业务,帮助这两家企业渡过难关,当然也能换取一些其他方面的便利。 Voice of the people bank this small scale couldn't bank, in their callable loan consideration range, such small scale, ten hundred million US dollars not necessarily take? However they knew after the voice of the people bank major stockholder unexpectedly is Feng Yu, thought that this bank can definitely put out to bring in money. 原本民声银行这种小规模银行,是不在他们短期拆借考虑范围内的,这么小的规模,十个亿美元都未必拿得出来吧？但是他们知道了民声银行的大股东竟然是冯宇之后,觉得这家银行是肯定能拿出来钱的。 They have not thought that this voice of the people bank unexpectedly so greedy, put forward such harsh condition! 只是他们没想到,这个民声银行竟然如此的贪婪,提出了这么苛刻的条件！ Other commercial bank of US are also very difficult at this time, is Citigroup is likely good, is actually not willing to lend Bank of America, does not hope that Bank of America seizes the chance to expand. 米国的其他商业银行此时也很难,像是花旗等还算不错的,却不愿借给米国银行,不希望米国银行趁机壮大。 Bank of America can choose are not many, that side Europe has also borrowed, is insufficient. They cannot let off the colleague who any can borrow money at this time, even if voice of the people bank hard bargain , can only clench teeth to comply. 米国银行能够选择的不多,欧洲那边也都借过了,根本不够。他们此时不能放过任何一个能够借到钱的同行,所以即使民声银行条件苛刻,也只能咬着牙答应了。 They thought now that they enhance the same business daily interest rate as first commercial bank, made the mistake? They have lent money outward, naturally is the daily interest rate is higher cost-effective/worthwhile. 他们现在只是觉得,他们作为第一家提高同业拆息的商业银行,是不是做错了？原本他们一直是往外借钱的,当然是拆息越高越划算。 However now is one's turn them to lend money, the daily interest rate of this high quota, but made them exhaust oneself. 但是现在轮到他们借钱了,这高额的拆息,可就让他们受累了。 Was not careful, lifts a rock to drop it on one's own feet! 一个不小心,搬起石头砸自己的脚了！ ...... ……
To display comments and comment, click at the button