Chapter 267: The Gold Department of the Tripod Industry
December 30th, Monday, noon, Good Mood, Miko Miyamoto's office.
Akihime left with Mizuhime Asaika, Tsukihime Butachi Maya, Oda Nobumi and Yamaguchi Security Captain to deal with the money issue.
Seeing that Horiuchi Misa stayed, Miyamoto Miko asked, "Misa, what else do you need?"
"That's the Happy Mood Bank," Horiuchi Misa said embarrassedly, "Madam, you should find another person to manage it. I really think the bank's affairs are too cumbersome. Thinking about managing hundreds of thousands in the future, Accounts of millions or even tens of millions of people give me a headache."
"Misa, things about Happy Mood Bank are actually not as complicated as you think." Miko Miyamoto smiled, "I don't know if you have noticed that Ron and the others have managed Happy Mood Bank for such a long time, and the clients they serve are all persistent People with good mood bank cards, that is, good mood people, have never done business with outsiders. In fact, they have already guessed the purpose of good mood bank."
"Huh?" Misa Horiuchi asked, "Then why did Ron write that report?"
"That's just a test," Miyamoto Miko said with a smile, "Okay, let me explain to you." Then he asked, "Most of the domestic financial institutions have serious problems. After a while, there was a news about the bankruptcy of a certain bank, have you heard about it?"
"Yes," Horiuchi Misa said, "and I found that there are problems with the stock prices of several large insurance companies, which gives me a feeling that the sun is dying."
"I am very worried that the employees put their money in them. Even without the help of the Mitsubishi consortium, I was going to force the Ministry of Finance this year to allow me to build a bank. Employees who are in such a good mood can put their money in it. In your own bank, as long as there is a gold department and a securities market, Good Mood Bank will never go bankrupt." Miko Miyamoto said, "Good Mood Bank does not make those wealth management products. It manages the deposits voluntarily deposited by employees. , to issue emergency loans, such as providing small loans to those who have not been admitted to the Invincible Girl Club who have not been admitted to university for them to open a shop, managing employees' basic insurance such as medical care, pension, accident, and life insurance, and doing some non-profit trusts, such as representative Management of valuables, payment of wages to employees, etc., these are the businesses that Good Mood Bank carries out for employees. For Good Mood, the surplus domestic funds of Good Mood can be put in this bank instead of Yujing Bank and Mitsubishi Bank and other consortium banks, let them use it for financing.”
"I understand that the establishment of Happy Mood Bank is to allow employees to put money in and help them build an economic defense line, so that no matter how the external economic environment changes, employees can have basic living security." Misa Horiuchi said, " But Good Mood Bank doesn’t seem to be able to handle trust and insurance business? Bond business like treasury bonds is fine, foreign exchange business is also fine, and by the way, it can also do lending business with other banks.”
"Domestic laws currently do not allow financial institutions to directly operate other businesses, but what did I buy Fuhe Bank for? Fuhe Bank is the only bank in China that has been approved to directly operate trust business. Its Fuhe Insurance Company With Fuhe Securities Company, although Fuhehong only has a part of the shares, the other shares are with his family, which is his in disguise. The insurance and trust business of our employees can be outsourced to Fuhe Bank, just like settlement and other business packages It’s the same as other banks.” Miko Miyamoto smiled, “So, Misa, your job is very simple at present.”
"Wait a minute," Horiuchi Misa asked, "what do you mean now?"
"Judging from Japan's deteriorating financial situation,
I don’t see how within a year or two, domestic conglomerates can, through those pro-business officials, facilitate the revision of the Anti-Monopoly Law that has been in place since the war, so that financial holding groups can reappear in Japan,” said Miko Miyamoto. He said with a smile, "The financial holding group can control more than 50% of the shares of its banks, securities companies, insurance companies and other financial institutions. When it comes to us, of course it will fully control and operate directly. At that time, it can turn Happy Mood Bank into an integrated bank. Commercial banks, investment banks, domestically known as securities companies, and universal banks integrated with insurance companies are now operating these businesses themselves. "
"Ah," Horiuchi Misa exclaimed, "That's not more complicated."
Miko Miyamoto rubbed her forehead, feeling a little headache, Mei Daizi laughed immediately after seeing it.
"Forget it, let's talk about this after the new law comes out." Miyamoto Miko said helplessly, and then asked, "Can you manage the current bank?"
"That's fine." Misa Horiuchi smiled embarrassedly, and then changed the subject and asked, "Ma'am, what does Ron mean by that, and we bought Fuhe Bank for transition?"
"Ron's meaning is actually to suggest that I don't want to build a bank, and leave all the things to his family's bank. He promises to take care of the things about employees in a good mood, and don't worry about mobilizing funds." Miko Miyamoto Said, "And what I said that night with Misaki Ren was for eavesdroppers, and Ron will have to guess what the real meaning is." It’s fine if Fu Hehong doesn’t agree, but looking at you, I think it’s necessary to take it down and keep the business to them. Then the Good Mood Bank simply becomes a “central bank” and transfers money to other banks.”
"Hey, hey." Misa Horiuchi laughed dryly, and then changed the subject and asked, "I know someone is eavesdropping, why didn't you come up and arrest him, but let him go after hearing about it?"
"This is reciprocity. If I don't let them eavesdrop, how can I ask Shi Feng Security to investigate? If I don't let this eavesdropper go, the people Shi Feng Security sends to investigate will be in danger. Israel Mosa is not as powerful It wasn't blown out." Miko Miyamoto said, "In this way, Shi Feng's guards can come back safely after being arrested."
"So that's the case." Misa Horiuchi asked again, "Madam, can you tell me the true meaning of that?"
"Of course, the real intention is not a channel to mobilize funds, but a deposit. Whichever bank we put our money in, it will be used as capital for financing. I don't like to see this." Miko Miyamoto smiled, "So Forget it, let it make money, but since Good Mood has a bank, how can you not deposit the money in your own bank? In this way, you can set up a station near each trading center, and you can also send Shi Feng to send it More people can get a legal gun license, and it is also convenient for us to mobilize funds.”
"So, do you want Fuwa Bank to play this role temporarily? By the way, Fuwa Bank also happens to have a securities company, which can also serve as a trading platform." Horiuchi Misa asked, "Then you and Fuwa Bank Mr. said it was a coincidence..."
"It's a coincidence. I originally wanted to buy a big foreign bank, but I haven't found anyone who is willing to sell them all to me." Miyamoto Miko said with a smile, "It's true to let Fukahiro manage, and the others are used to confuse Ron. Ron will definitely talk to Tomi and Hiro, what I said to Tomi and Hiro."
"I see." Horiuchi Misa said.
"Okay, it's getting late," Miko Miyamoto asked, "Any questions?"
"One more thing," Horiuchi Misa asked, "Madam, do you have any business abroad?"
"Of course I have. Didn't I say that, I don't like others to use my deposits for financing. The Ministry of Finance's annual profit in foreign markets is about 150 billion U.S. dollars. Quande Bank is not too cheap for those banks. Is it?" Miyamoto Miko said with a smile, "But a good mood is the main thing, and gold department is an important part of a good mood. Remember, Jinding has a hundred industries, and one gold department can be worth a hundred industries."
"I understand." Horiuchi Misa smiled, "Then I will take my leave." Saying hello to Yamazaki and Midaiko, she left. ...