Chapter 1089 Another Use of Cocoon Equipment

April 1st, Monday, morning, Good Mood, Miko Miyamoto's office.

Miyamoto Miko, Mahime, Tachibana Maya, Asai Ka, Fujii Takako, Horiuchi Misa sat in their respective seats around the desk, Midaiko and Yamazaki stood around Miyamoto Miko, Yamaguchi Security Captain stood on the left side of the desk .

Miyamoto Miko said: "Okay, Misa, you start."

"Okay, ma'am." Horiuchi Misa stood up, "Kinyao Department currently has a problem, that is, the high interest rate of five-year six. Compared with other banks, the interest rate has dropped to three or even two, and ours is one to three times higher. , and affected by this, Tuozan Bank's five-year deposits increased rapidly."

"Tuochan Bank currently controls 40% of the funds in reserve, and 60% is used for loans and investments. We have not used multiple loans and financial leverage. Since the September 11th incident, the global financial market has generally entered a downward phase after a slight rise. , It is estimated that this year's income will only be about ten, and after deducting the necessary taxes and expenses, I am afraid it will be a deficit."

"Although from the perspective of competition intensity, the six major financial groups have shown signs of recovery, and the domestic financial environment will improve. It is possible to rise to eleven or even twelve points, but the prospects are not very clear. "

"If you think it is necessary to continue to maintain it, I wonder if you can separate the trust department of Tuozan Bank to reduce chain losses."

"Tuochan Bank's investment funds are all controlled by the Tuozhan Trust Department, and transferred to me through the guarantee of Good Mood Bank. The capital scale is 60% of the 60%, and 10% is personal, including personal asset trust and external financial management. Products; 20% is the working capital of the various clubs in the consortium. While the bank is using it for investment, the clubs can still spend it, and then settle the settlement at the end; 20% is the funds of Harvest Insurance; 20% is the funds of Shanmaru Securities; 30% is the consortium The domestic clubs use some fixed assets to mortgage the loan funds obtained from Tuozhan Bank, which is to avoid taxation by changing the tax category.”

"Firstly, the six major consortiums are more established than ours. Second, we have set a higher threshold for clubs. In addition to investment, our business in loans, trusts, insurance, securities, and bonds is far inferior to the six major consortia. Help yourself, the purpose is to complement each other and avoid tax."

"Although high interest rates can bring sufficient investment capital, high interest rates are also high burdens. On the exchange rate issue, that's all I have to say."

Miko Miyamoto asked: "Is the interest rate really high? What is the rate of return of our semi-annual external financial products?"

Horiuchi Misa said: "Our external wealth management products include Tuozan Bank, Yamamaru Securities, and Fengsan Insurance. The current six-month return on wealth management products is 6 to 8, but this account cannot be calculated in this way."

Miyamoto Miko said with a smile: "No matter how you calculate it, all in all, the investment is still profitable, and it is higher than the savings interest rate. You have to admit that."

Horiuchi Misa said helplessly: "Yes, I admit it."

Miyamoto Miko said with a smile: "Don't worry, the international financial market, at least the US financial market, will not be like this, because in this case, those guys on Wall Street will earn less, and they will not be satisfied with 8% Nine, twenty, thirty or even one or two hundred percent is what they want."

Horiuchi Misa said: "Although it is so, it will not be achieved overnight."

Miyamoto Miko said: "This is very simple, we stop external financial products,"

"What?" Misa Horiuchi was taken aback.

Miyamoto Miko asked: "Let me ask you, is the risk of wealth management products high, or the high risk of savings?"

Horiuchi Misa said: "Of course it is financial products. There are many financial products that failed due to the September 11th incident. This is also the main reason for the increase in our savings."

Miko Miyamoto asked: "So, do we get more income from external wealth management products, or from savings transfer loans and reinvestment?"

Misa Horiuchi said: "Of course it's the latter,

Although there are handling fees, management fees, etc., we pay them ourselves, but the external wealth management products are another income, which is extra. "

Miko Miyamoto asked: "If we stop external financial products, the principal will be returned to customers, so what do you think they will do with it?"

Horiuchi Misa said: "It should be invested elsewhere."

Miyamoto Miko said with a smile: "The other family has nothing to do with us, that is to say, we don't have to work hard to obtain income for these funds. On the contrary, we can reap an extra income from them."

Misa Horiuchi thought for a while and said, "That's okay, but the business of Yamamaru Securities basically relies on financial products for the outside world, and we are not rivals at all in terms of issuing securities."

Miyamoto Miko said: "Then build Yamamaru Securities into a service platform that makes a living from handling fees, and cooperate with Yueyao Department to update the news in a timely manner, plus consulting, investigation, evaluation, accounting and other businesses, even if there are no other customers, I will It's enough to think that it's enough to just serve ourselves."

Horiuchi Misa said: "Yes, definitely enough."

Miyamoto Miko said: "Then, you continue."

"Yes, ma'am." Horiuchi Misa said, "The task of the Jinyao Department next year is to continue to improve electronic finance. Due to the impact of mobile phone calling services, the electronic financial business has increased significantly."

"The other issue is the use of transportation cards in different places, because after the customer deposits the money in the card, before the customer withdraws the money, the recipient can use the money to invest and generate certain income, so where the money is stored is an important issue. Therefore, hundreds of transportation cards have been produced across the country. The current transportation card industry is the Warring States Period, and government orders cannot be determined by one’s own side.”

"The six consortiums asked us to come forward with them and other parties to lead the establishment of a settlement organization by the state. The expenses are more for cards that are used more in different places."

"To be honest, according to our evaluation report, this project is not very good. For most people, travel is only occasional, and the transportation card is for work and school, which is limited to one place."

"Finally, there is the problem of the Magic World game. There are still more than 70 billion yen in game currency exchange funds, and the loan project for players cannot be carried out due to unclear prospects. That's all I want to say."

Miyamoto Miko said: "Please sit down, next one, dutiful son."

"Yes, ma'am." Takako Fujii stood up, "The problem with Muyao Department is the manufacturing standards. We will upgrade the various manufacturing standards in the consortium according to the standards that Huoxiu Company will provide, and finally form a higher-end system."

"Huo Huo company will provide hundreds of production lines covering aircraft and helicopter products, from basic materials such as steel and paint to electronic components, bolts and nuts and other parts, from instrumentation, instruments and other components to control systems, flight systems and other systems, From the fuselage, wings and other parts to the assembly of the whole machine."

"Although our own standards in some fields are not worse than Huoxiu's or even better, but overall, the industrial level under Huoxiu's standards is higher than ours. These common parts of the production line can be used in many places, helping We improve the overall industrial level, but it is easy to say, but it is very complicated to do, involving various machine production speeds, personnel training time, replacement costs, etc. It will take quite a while for us to absorb and integrate Horsho's standards into our standards .It's a matter of standards."

Miyamoto Miko said with a smile: "It's okay, we make money from finance and services, take your time."

Takako Fujii said: "The focus of Muyao Department next year is to build a car rental network. The cars we provide to employees through Hiromi Group will replace the cars that employees own. Relying on the parking lots in various places, we can build a nationwide car rental network."

"In addition, we planned to acquire Chiba North Sou Railway to connect with Narita Airport, acquire Nagano Shinano Railway to increase our influence in Nagano Prefecture, and acquire Hainan Railway to upgrade the width of the rails to standard gauges so that trams can run from Shikoku to Osaka. are all stranded; and the construction of Kanagawa Hayama Airport and the subsidiary railway is expected to be delayed, and the length of time is unknown;”

"Finally, starting today, Kansai International Airport is ours, and the Guangmei Airlines Alliance led by Guangmei Group has signed a contract with us. That's all."

Miyamoto Miko said: "Please sit down, next one, Axiang."

"Yes, ma'am." Kasa Asai stood up, "The problem with the Ministry of Water is the lack of funds. We have unlocked the genes of the two linear viruses, Ebola and Marburg, and started to manufacture therapeutic drugs, but Therapeutic agents have limitations, what we need are immune agents; and we are studying human immunodeficiency virus, which adds up to at least a billion dollars."

Miyamoto Miko said: "Yes, you can submit an application report later."

"Thank you, madam." Asaika said, "Currently, we have used genetic technology to grow artificial skin. Although it is expensive, it is a boon for burns, scars and other patients who need skin repair."

"Also, we used cocoons to make exoskeleton prosthetics to help conscious but paralyzed people, but were limited by the energy system; we also used cocoons to wake up a male vegetative person, and some can appear in the game, but they can't Waking up in reality, but the consolation is that I can finally communicate with people in the game.”

"Speaking of this awakened person, his experience is quite bizarre. He was stabbed in the brain with steel needles on the plane, saying that his nerves were cut off and he was trapped in his own mind. Unable to control the body, it's like seeing a castle in the air and can't find the way up, but the person who started the attack only tried it on the dead, and didn't realize the instinctive reaction of the body after the living person was injured, the result was just to let him fall into a deep sleep, cocooned Woke up after being stimulated."

"Finally, there is the issue of production capacity of medical items and medicines. To meet Zayer's demand, we need to expand production scale and reduce costs. That's all I want to say."

Miyamoto Miko said: "Please sit down, the next one is Maya, but I will talk about Zayer's question later."...

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