Chapter 1089: Alternative use of cocoon equipment

　　 April 1, Monday, morning, good mood, Miko Miyamoto's office.
Miko Miyamoto, Tohime, Miyamoto Tachibana, Kazuo Asai, Takako Fujii, and Misa Horiuchi sat in their respective seats around the desk, Midako and Yamazaki stood around Miko Miyamoto, and the Yamaguchi security captain stood on the left side of the desk. .
　　 Miko Miyamoto said, "Well, Misa, you come and start."
"Okay, ma'am." Horiuchi Misa stood up. "There is currently a problem with the Kimyo Department, which is that the five-year six-year high interest rate has dropped to three or even two interest rates compared to other banks. We are one to three times higher. Affected by this, the five-year deposits of the Bank of Extension Bank have increased rapidly."
"Forty% of the funds under the control of the Bank is reserved, 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 entered a downward phase after a slight increase. It is estimated that this year’s income is only about ten. After deducting the necessary taxes and expenditures, I am afraid it will be a deficit."
"Although from the perspective of competition intensity, the six major consortia have shown signs of recovery, and the domestic financial environment will improve. It is possible for one or two points to rise to eleven or twelve, but the prospects are not clear. "
　　 "If you think it is necessary to continue to maintain it, I wonder if it is possible to separate the Trust Department of Takchan Bank to reduce chain losses."
"The investment funds of Tuo Chan Bank are all controlled by Tuo Chan Trust Department and transferred to me under the guarantee of Good Mood Bank. The capital scale is 60% of the 60%, and 10% is personal, including personal asset trusts and external financial management. Product; 20% is the working capital of the various clubs in the consortium. While the bank uses it for investment, the club can still spend money and settle the final settlement; 20% is the funds of Fengchan Insurance; 20% is the funds of Yamamaru Securities; 30% is the consortium The domestic clubs used some fixed assets to mortgage the loan funds obtained by the Extension Bank, which is to change the tax type to avoid tax."
"First, the six major consortia are better than our time-honored brands, and second, we set a higher threshold for clubs. Apart from investment, we are far inferior to the six major consortia in all aspects of business in terms of loans, trusts, insurance, securities, and bonds. Help yourself for the purpose of complementarity and tax avoidance."
　　 "Although high interest rates can bring sufficient investment capital, high interest rates are also high burdens. Regarding the exchange rate issue, this is what I want to say."
　　 Miko Miyamoto asked: "Is the interest rate really high? What is the current rate of return on our semi-annual external wealth management products?"
　　Horiuchi Misa said: "We do foreign wealth management products such as Takusan Bank, Yamamaru Securities, and Fengsan Insurance. The current half-year financial product yield rate is six to eight, but this account cannot be calculated like this."
　　 Miko Miyamoto smiled and said, "No matter how you calculate it, 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."
Miko Miyamoto smiled and said: "Don't worry, the international financial market, at least the American financial market will not be like this, because in this case, the Wall Street guys will make less money, and they will not be satisfied with 8%. , Nine, twenty, thirty, or even one or two hundred is what they want."
　　 Horiuchi Misa said, "Although this is the case, it cannot be done overnight."
　　 Miko Miyamoto said: "This is very simple, we stop the external wealth management products,"
　　 "What?" Horiuchi Misa was taken aback.
　　 Miko Miyamoto asked, "I ask you, is it high risk for wealth management products or high risk for savings?"
　　Horiuchi Misa said: "Of course it is a wealth management product. Wealth management products that have failed due to the September 11 incident abound. 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 do we get more income from savings-to-loan reinvestment?"
　　Horiuchi Misa said: "Of course it is the latter. Although there are handling fees and management fees, we take it ourselves, but external financial products are another benefit, which is extra."
　　 Miko Miyamoto asked: "If we stop our external wealth management products, then the principal will be returned to customers, so what do you think they will do?"
　　 Horiuchi Misa said, "It should be invested in another place."
　　 Miko Miyamoto smiled and said: "The other family has nothing to do with us. That is to say, we don't have to work hard to obtain income from these funds. On the contrary, we can reap an extra income from them."
　　Horiuchi Misa thought for a while and said, "That's okay, but Yamamaru Securities' business is basically an external wealth management product. We are not an opponent at all in Chengfa Securities."
Miko Miyamoto said: "Then build Yamamaru Securities as a service platform that relies on handling fees, and cooperates with the news of the monthly department to update the news in time, plus consulting, investigation, evaluation, accounting, etc., even if there are no other customers, I I think it’s enough to serve ourselves."
　　 Horiuchi Misa said, "Yes, definitely enough."
　　 Miko Miyamoto said, "Then, go ahead."
　　 "Yes, ma'am." Horiuchi Misa said, "The mission of the Kimyo Department next year is to continue to improve e-finance. Affected by mobile phone call services, e-finance business will increase dramatically."
"The other is the problem of the use of transportation cards in different places, because after the customer deposits the money in the card, before the customer puts the money out, the recipient can use the money to invest and generate certain income, so where the money exists is important Therefore, hundreds of types of transportation cards have been born across the country. The current transportation card industry is the Warring States Period, and government orders cannot be issued."
　　 "The six major consortia let us come forward with them and other parties to lead the establishment of a settlement organization by the state, and the expenses are more than the cards used in different places."
　　 "To be honest, according to our evaluation report, this project is not very good. For most people, travel is only occasional. Applying for a transportation card is for work and school, which is limited to one place."
　　 "Finally, there is the problem of the wizarding world game. There are still more than 70 billion yen left in the exchange of game currency, and the project for lending to players cannot be carried out due to the unknown prospects. That's all I want to say."
　　 Miko Miyamoto said, "Please sit down, next one, filial son."
　　 "Yes, ma'am." Takako Fujii stood up and said, "The problem with the Kiyo department is manufacturing standards. We will upgrade the various manufacturing standards in the consortium according to the standards that Huoxiu will provide, and finally form a higher-end system."
"Huoxiu Company will provide hundreds of production lines covering two products of airplanes and helicopters, from basic materials such as steel and coatings to electronic components, bolts and nuts and other parts, from instruments and instruments to control systems, flight systems and other systems. From the fuselage, wings and other parts to the complete machine assembly."
"Although our own standards in some areas are not worse or even better than those of Huoxiu, on the whole, the industrial level under Huoxiu's standards is higher than ours. These general parts of the production line can be used in many places to help We improve the overall industrial level, but it’s simple to say but complicated to do. It involves various machine production speeds, personnel training time, replacement costs, etc. We want to absorb Huo Xiu’s standards into our standards, and it will take quite some time. . This is a question of standards."
　　 Miko Miyamoto smiled and said, "It doesn't matter, we make money from finance and services. Take your time."
Fujii Takako said: "The focus of the Muyo Department next year is to build a car rental network. The cars we provide to employees through the Guangmei Group will replace the cars owned by employees. Relying on parking lots in various places, we can establish a nationwide Car rental network."
"In addition, we plan to acquire Chiba North Railway to communicate with Narita Airport, acquire Nagano-Shinano Railway to increase our influence in Nagano Prefecture, and acquire Hainan Railway to upgrade the track width to standard gauges so that the train will be opened from Shikoku to Osaka. All are stranded; and the construction of the Kanagawa Hayama Airport and the attached railway is expected to be delayed for an unknown length of time;"
　　 "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 it."
　　 Miko Miyamoto said, "Please sit down, next one, Axiang."
"Yes, ma'am." Asai Ka got up, "The problem with Mizuyo is insufficient funds~EbookFREE.me~ We have now unlocked the genes of the two linear viruses, Ebola and Marburg, and started to manufacture them. There are therapeutic drugs, but the therapeutic drugs have limitations. What we need is immune drugs; and we are studying the human immunodeficiency virus, which will add up to at least one billion US dollars."
　　 Miko Miyamoto said, "Yes, you can submit an application report later."
　　 "Thank you, Madam." Asai Ka said, "At present, we have used genetic technology to cultivate artificial skin. Although it is expensive, it is a boon for patients who need skin repair such as burns and scars."
"Also, we used the cocoon to make an exoskeleton prosthesis to help conscious but paralyzed people, but it is limited by the energy system; we also used the cocoon to wake up a male vegetative, and some of them can appear in the game, but they can’t. I wake up in reality, but it is worth comforting that I can finally communicate with people in the game."
"Speaking of this awakened person, his experience is quite bizarre. He was pierced in the brain with a steel needle on the plane, saying that he was going to cut his nerves and trap him in his own mind. Unable to control the body, it's like seeing a castle in the air and no way up, but the person who started it has only tried on the dead, and did not realize the instinctive reaction of the body after the living person was injured. The result just made him fall asleep and suffer Woke up after being excited."
　　 "The last issue is the production capacity of medical supplies and medicines. To meet Zaier's needs, we need to expand production and reduce costs. That's all I want to say."
Miko Miyamoto said: "Please sit down, next one, real night, but Zaier’s question will be discussed later~EbookFREE.me~ Book friends are welcome to visit and read, the latest, fastest and hottest serial works are all here~ EbookFREE.me~ For mobile phone users, please go to read.