Chapter 267: Ding 0 industry's gold department

　　 December 30, Monday, noon, good mood, Miko Miyamoto's office.
　　Akihime took Mizuhime Asaika, Tsukihimebachi Miyao, Oda Nobumi and Yamaguchi Security Captain and left with them to deal with the money issue.
　　 Seeing that Horiuchi Misa stayed, Miko Miyamoto asked, "Misa, what else do you have?"
"Well, it's a good mood bank," Horiuchi said embarrassedly, "Madam, you should find someone else to manage it. I really think the bank affairs are too cumbersome. When I think of managing hundreds of thousands in the future, I feel a headache for accounts of millions or even tens of millions of people."
"Misa, things about the Good Mood Bank are actually not as complicated as you think." Miyamoto smiled, "I don’t know if you noticed it. Ron and the others have managed Good Mood Bank for such a long time. People with a good mood bank card, that is, a good mood person, have never done business with outsiders. They actually guessed the purpose of a good mood bank."
　　 "Huh?" Horiuchi Misa asked, "Why did Ron write that report?"
"That's just a test," Miko Miyamoto smiled, "Well, let me explain to you." Then he asked, "Most of the financial institutions in China have serious problems. TV and newspapers are separated. There has been news about bankruptcy and bankruptcy of a certain bank for a while, have you heard about it?"
　　 "Yes," said Horiuchi Misa, "and I found that there are problems with the stock prices of several large insurance companies, which gives me a feeling of declining."

I’m very worried that the employees put their money in them. Even without the help of the Siling Consortium, this year I was going to force the Ministry of Finance to allow me to build the bank. Employees in such a good mood can put the money in In its own bank, as long as there is a financial department, as long as there is a securities market, the Good Mood Bank will never go bankrupt.
Miko Miyamoto said,
Good Mood Bank does not do those wealth management products. It manages the deposits that employees voluntarily deposited. , Issuing emergency loans, such as providing small loans to people who have not been admitted to the Invincible Girl’s Club to open stores, managing employees’ medical, pension, accident, life and other basic insurance, and doing some non-profit trusts, like agency Taking care of valuables, distributing salaries to employees, etc., these are the business carried out by the good mood bank for employees. For good mood, the domestic excess funds of good mood can be placed in this bank, and there is no need to exist in Yujing Bank In the banks of consortia such as Siling Bank, let them use it for financing."
"I understand, building a good mood bank is to allow employees to put money in and help them build an economic line of defense, so that employees can have basic living security regardless of changes in the external economic environment." Horiuchi said, " But the good mood bank seems to be unable to handle trust and insurance business? Treasury bonds and other bond business are possible, and foreign exchange business is also possible. By the way, it can also conduct lending business with other banks."
"Domestic laws currently do not allow financial institutions to directly operate other businesses, but what did I purchase Fuhe Bank for? Fuhe Bank is the only bank in China that is approved to directly operate trust business. Its Fuhe Insurance Company With Fuhe Securities, Fuhehong only has a part of the shares, but the other shares belong to his family. In a disguised way, the insurance and trust business of our employees can be contracted to Fuhe Bank, just like settlement and other business packages. Give it to other banks." Miko Miyamoto smiled, "So, Misa, for now, your job is very simple."
　　 "Wait a minute," Horiuchi Misa asked, "What do you mean now?"
"From the perspective of Japan’s deteriorating financial situation, I don’t see that within one or two years, domestic consortia can, through those pro-business officials, promote the revision of the "Prohibition of Monopoly Law" that has been in force after the war, so that financial The holding group can reappear in Japan," Miko Miyamoto smiled. "The financial holding group can control more than 50% of the shares of financial institutions such as banks, securities companies, insurance companies, and so on. Of course, when we come to us, it is all controlled and directly operated. At that time, the good mood bank can be turned into an all-round bank integrating commercial banks, investment banks, domestically called securities companies, and insurance companies, and can operate these businesses on its own."
　　 "Ah," Horiuchi Misa called, "That's not more complicated."
　　 Miko Miyamoto rubbed her forehead, feeling a little headache, Mei Daiko immediately laughed.
　　 "Forget it, let's talk about this when the new law comes out." Miko Miyamoto said helplessly, and then asked, "You can manage the bank now, right?"
　　 "This is fine." Horiuchi Misa smiled embarrassedly, and then changed the subject and asked, "Madam, what does Ron mean, and did we buy Fuwa Bank for the transition?"
"Ron actually suggested that I shouldn't build a bank, and leave everything to his bank to do. For good-hearted employees, and for things that don't worry about mobilizing funds, he promised to take care of these things." Miko Miyamoto Said, "And the ones that Misakiren and I said that night were for eavesdroppers. Ron will have to guess what the true meaning is." Then he said grimly, "Fuhe Bank was originally transitional, if If Fu Hehong doesn’t agree, it’s fine, but looking at you like this, I think it’s necessary to take it down and keep the business contracted to them. Then the good mood bank simply becomes a'central bank', and it allocates money to other banks."
　　 "Hey, hey." Horiuchi Misa chuckled dryly, then turned off the subject and asked, "I know someone is eavesdropping, why don't you come up and arrest someone but wait until you hear it and let him go?"
"This is an exchange of courtesy. If you don’t overhear them, how can I let Shifeng protect them to investigate? If you don’t let this eavesdropper go, the people who are sent by Shi Feng to investigate will be in danger. It wasn't blown out." Miko Miyamoto said, "In this way, the person who is protecting Shifeng can come back safely after being arrested."
　　 "So it's like this." Horiuchi Misa asked again, "Ma'am, can you tell me the true meaning?"
"Of course, the real intention is not to mobilize funds, but to deposit. Which bank we put our money in will be used as capital to raise funds~EbookFREE.me~ I don't like to see this." Miyamoto Miko laughed, "It turned out to be fine, so let’s make money for it, but since I have a bank, how can I not deposit my money in my bank? In this way, I can set up a station near each trading center. Let the person sent by Shifeng Security obtain a legal gun license, and it will also facilitate us to mobilize funds."
"So, do you want Fuwa Bank to play this role temporarily? By the way, Fuwa Bank also has a securities company under its umbrella, and it can also act as a trading platform." Horiuchi Misa asked, "Then you and Fuwa Mr. said coincidence..."
"It's a coincidence. I originally wanted to buy a large foreign bank, but I haven't found anyone willing to sell it to me." Miko Miyamoto smiled, "Let Fu and Hiroshi manage it is real, and the others are used to confuse Ron. Ron will definitely talk to Fu He Hong, what I said to Fu He Hong."
　　 "That's it," Horiuchi Misa said.
　　 "Okay, it's not early," Miko Miyamoto asked, "Any questions?"
　　 "There is one more," Horiuchi Misa asked, "Madam, do you have a business abroad?"
"Of course I did. Didn’t I say that, I don’t like other people using my deposits to finance. The Ministry of Finance makes about 150 billion U.S. dollars in foreign markets every year. Full deposit banks are not too cheap for those banks. Is it?" Miko Miyamoto said with a smile, "But the good mood is the main thing, and the gold department is an important part of the good mood. Remember, Jinding Baiye, a gold department can be worth a hundred industries."
　　 "I understand." Misa Horiuchi smiled, "Then I'll leave." After saying hello to Yamazaki and Midako, he left. ...