EG :: Volume #19

#1867: Goal Europe bank

LNMTL needs user funding to survive Read More

The matter of transgenetic food, the previous generation also makes noisily, is mainly that side Britain reported that said knew the transgenic seed profession Boss has a memoir, showed that the edible transgenetic food the mouse blood and kidney had the problem, thus made all people produce the serious crisis of confidence to the transgenetic food. 转基因食品的事儿,前世也闹得沸沸扬扬,主要就是英国那边报道,说得知转基因种子行业的老大有一份研究报告,证明食用转基因食品的老鼠血液和肾脏都出现了问题,从而让所有人对转基因食品产生了严重信任危机。 Although afterward this view has not been confirmed that but the developed country has truly forbidden the planter of transgenetic food, they sell the under-developed nation the seed, then makes a profit by this. 虽然后来这个说法也没得到证实,但是发达国家确实禁止了转基因食品的种植,他们将种子卖去欠发达国家,然后以此获利。 Feng Yu do not know that this transgenetic food does have the harm, since is unable to prove its security, might as well not eat first, except for the transgenetic food, did not have other food. 冯宇自己也不知道,这个转基因食品到底有没有危害,但是既然无法证明其安全,不如先不吃,又不是除了转基因食品,就没别的食物了。 Although China person are many, however the China grain yield is the world is also top, will not appear absolutely again does not have the situation that the food eats. Food that this type has the safety danger, Feng Yu thought that should many people not be willing to eat, but before , everybody does not know. 华夏虽然人多,但是华夏的粮食产量也是世界顶尖的,绝对不会再出现没饭吃的情况。这种有安全隐患的食品,冯宇觉得应该没多少人愿意吃,只是之前大家并不知道而已。 This matter to Feng Yu is only a small interlude, he stayed for several days in Capital City, flew Britain. 这件事对冯宇来说只是一个小插曲而已,他在京城呆了几天,就飞去了英国。 Feng Yu arrived here, is not staring at the crude oil future, but is another important matter, that expansion about voice of the people bank. 冯宇到这边,不是来盯着原油期货,而是另外一件重要的事情,那就是关于民声银行的扩张。 From ancient to present, don't these respected families and big financial groups, which make the financial industry? Ancient time opened the money shop, modern time opened bank, then also had various insurances, funds and other services. 自古至今,那些大家族、大财团,哪一个不做金融行业？古代的时候开钱庄,现代的时候开银行,然后还有各种保险、基金等业务。 Many people said that the true making money master, with others' money, makes money to oneself. 很多人都说,真正的赚钱高手,都是用别人的钱,给自己赚钱的。 But these big financial groups, obviously are in this master. 而那些大财团,显然就是此中高手。 How to use others' money to make money to oneself, that wants others to give you money to be good first, at this time the bank industry was important. 如何用别人的钱给自己赚钱呢,那就要别人先把钱交给你才行,这时候银行业就非常重要了。 Before Feng Yu, Wind & Rain Consultation and Taihua Consulting that establishes, at most is financial investment Corporation, is unable to place on a par with the service huge bank industry. The biggest difference, is unable to absorb depositors'funds. 冯宇之前成立的风雨咨询、泰华咨询,顶多算是金融投资公司,跟业务庞大的银行业还是无法相提并论的。最大的区别,就是无法吸储。 At that time Feng Yu is thinking made in a big way bank, what a pity did not have the opportunity, moreover did not have the qualification. 那时候冯宇就想着将银行做大,可惜一个是没有机会,另外也没有本钱。 Opens bank looks like very easy, makes a counter, then absorbed depositors'funds on the line. 开银行看起来很容易,弄个柜台,然后吸储就行了。 However first you must make others be willing toward your here to save money are good, others are not willing to save money, can you also press others to save money forcefully inadequately? 但是首先你要让别人愿意往你这儿存钱才行,别人不愿意存钱,你还能强行按着别人存钱不成？ The average people save money what will consider? 一般人存钱的时候会考虑什么？ The security, I have your bank money, will not vanish suddenly. Cannot lose, not because your bank goes out of business to evaporate. 安全性,我存在你银行的钱,不会忽然消失。不能丢,也不会因为你银行倒闭而蒸发掉。 The interest rate, your bank deposit allowance is high, will attract these depositors, the interest that otherwise why others give is high, do I actually want your this interest low place? 利率,你银行的存款利息高,才会吸引那些储户,否则凭什么人家给的利息高,我却要存在你这个利息低的地方？ Convenient, what this finger is deposits and withdraws the funds to be convenient, your section is better, the sales network are many, cannot say that I saved money in your here, finally wants to take the money, can actually rush to very far place to take? Moreover must join UnionPay anything, even if could not find your sales network, can take in other bank presently. 方便,这指的是存取款方便,你地段要好,营业网点要多,总不能说我在你这儿存了钱,结果想取钱的时候,却要跑到很远的地方去取吧？而且还要加入银联什么的,即使找不到你的营业网点,也可以在别的银行取现。 Secure this point is very good to handle, by the reputation of Feng Yu world's richest, is together the gold-lettered signboard. Initially promoted payment package like him and valuable time such, others know that this is the Feng Yu investment, Feng Yu makes the guarantee in one's own name, felt relieved. 安全性这一点很好搞定,以冯宇世界首富的名头,就是一块金字招牌。就像他当初推广支付包和呗宝的时候那样,别人知道这是冯宇投资的,冯宇以自己的名义做担保,就对此非常放心了。 The interest rate also said that with other bank almost on line, moreover just started, but can also higher, be slightly good to attract more depositor deposits. 利率也好说,跟其他银行差不多就行,而且刚开始的时候,还可以略高一点,好吸引更多的储户存款。 bank most important absorbs depositors'funds, in any bank, absorbing depositors'funds has the duty. Absorbing depositors'funds are more, the bonus is higher. If cannot complete the task, even may also deduct money. 银行最重要的就是吸储,在任何一家银行,吸储都是有任务的。吸储越多,奖金越高。如果完不成任务,甚至还有可能扣钱。 Be only the absorbing depositors'funds quantity is big, has enough fund, can be used to invest other financial products. You outward make loans, must have enough savings to be good. 只有吸储量大,才有足够的资金,才能用来投资其他金融产品。你就算是往外放贷,也是要有足够的储蓄金才行。 Influence absorbing depositors'funds, not only the interest and security, the network is truly important. Your sales network were many, everybody walks on the street can see your family bank network, when he considers the deposit, may choose your family bank. 影响吸储的不只是利息和安全性,网点确实非常重要。你营业网点多了,大家走在街上就能看到你们家银行的网点,当他考虑存款的时候,就有可能选择你们家银行。 If your network are few, propaganda interest higher, but many people possibly also because takes presently does not facilitate and other reasons, is not willing to go to your to save. 您网点要是少,就算宣传的利息高一点,但是很多人可能也会因为取现不方便等原因,不愿意去你那存。 Moreover network are many, regarding the development of other services, has the enormous advantage. The bank sales network, can understand that for the terminal of sales, the terminal many definitely to promoting the sales volume has the advantage, if altogether few sell the terminal, that is extremely definitely difficult to make the good money. 而且网点多,对于其他业务的开展,也有着极大的好处。银行的营业网点,就可以理解为销售行业的终端,终端多肯定对提升销量有着好处,要是总共没几家销售终端,那肯定极难赚到大钱。 This Feng Yu comes, discussed that purchases bank. Then, can continue strong voice of the people bank. 这一次冯宇过来,就是谈收购一家银行的。如此一来,就能继续壮大民声银行。 This bank scale is not specially big, but the service also launches in the European many countries, is only this financial crisis, has affected them, at present loses money is quite big. 这家银行规模并不是特别大,但是业务也在欧洲多个国家展开,只是这一次金融危机,也将他们波及了,目前亏损比较大。 Because the scale is quite small, therefore some big bank cannot have a liking. Small bank cannot purchase, for fear that also draws the mire, therefore this bank is at the barely alive condition now. 因为规模比较小,所以一些大的银行看不上。小银行又根本收购不起,生怕将自己也拖进泥潭,于是这家银行现在就处于半死不活的状态。 Ralph has done an inspection to this bank, thinks this bank many premium assets, but lacks the fund. If there is a sufficient fund, can save, and can gain. 拉尔夫对这家银行进行过一番考察,觉得这家银行还是有不少优质资产的,只是缺乏资金。如果有充足的资金,就能够挽救,并且能够重新盈利。 This bank opens through many financial business , many specialized financial personnel, because this time financial crisis is extremely serious, their funding chain has broken, will reduce hence. 这家银行开通过许多金融业务,也有不少专业的金融人才,只是因为这一次的金融危机太过严重,他们资金链断裂了,才会沦落至此。 Also has other bank to express the interest to it, but the opposite party initial price is too low, therefore has been towing. 也不是没有其他银行对其表示兴趣,但对方开价都太低,所以才一直拖着。 Other bank want and other bank to continue to lose money, then the shareholders cannot shoulder, has to sell out by a lower price. 其他银行想要等这家银行继续亏损,然后股东们扛不住的时候,就不得不以更低的价格卖掉。 And including Barclays several world top bank, they regards as the it's in the bag this bank. 其中包括巴克莱等几家世界顶尖的银行,他们都将这家银行视为囊中之物。 Ralph has contacted with this bank shareholder, the price that but the opposite party wants is quite high, Ralph cannot discuss, Feng Yu then decides to come to discuss personally. 拉尔夫跟这家银行的股东接触过,但是对方要的价格比较高,拉尔夫谈不下来,冯宇这才决定亲自过来谈。 Voice of the people bank is not the Wind & Rain Holding Company group, but is Feng Yu owns stocks personally, said that this is also not the work of Ralph, therefore the Ralph authority is small, a lot are indeterminable. 民声银行不属于风雨控股集团,而是冯宇个人持股的,说起来这也本不是拉尔夫的工作,所以拉尔夫权力较小,很多事情无法决定。 Feng Yu happen to also has the time, the decision personally comes to have a look, if inspects satisfaction, then purchases this bank. 冯宇正好也有时间,就决定亲自过来看看,如果考察满意,那么就把这家银行收购下来。 Now crude oil future that side contract slowly is finalizing, Feng Yu also had very big sum of money to re-steam, purchased bank absolutely is not the difficult matter. 现在原油期货那边的合约慢慢的在交割,冯宇也有很大一笔钱回笼了,收购一家银行绝对不是什么难事。 Moreover Feng Yu has also told voice of the people bank other shareholders, other shareholders also agreed that in the expansion, wants own stock by the temporary dilution, when they were rich, can from Feng Yu here buy-back. 而且冯宇也跟民声银行的其他股东说过,其他股东也同意,在扩张的时候,愿意自己的股份被暂时的稀释,等到他们有钱了,可以从冯宇这里回购。 However Feng Yu thinks that this is unlikely, these people cannot think that the Feng Yu plan develops any scale this bank. When their rich buy-back time, the stockholder's rights again such as the present like this will not be many. 不过冯宇认为这不太可能,那些人根本想不到,冯宇计划将这个银行发展到什么规模。等到他们有钱回购的时候,股权也不会再如现在这样多了。 This voice of the people bank, will definitely turn into the Feng Yu absolutely holding privately operated commercial bank, becomes one of the world most famous commercial bank! 这家民声银行,必然会变成冯宇绝对控股的民营商业银行,也会成为全世界最著名的商业银行之一！ ...... ……
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