Chapter 1809

China has put the black pot on Buffett's head, and the US government has no choice. Although they think it's an excuse, it doesn't seem to have any flaws.

But Buffett's stock is also shrinking this year. Last year, he once surpassed Bill Gates, ranking the second richest man in the world. But now he is the same as Bill Gates. It is estimated that by the end of the year, he will be surpassed by Bill Gates again.

Bill Gates is also miserable. Last year, he ranked fourth in the world. The first is Feng Yu, which is indisputable. The second is Buffett, who is worth more than 60 billion dollars. At that time, the stock market was booming, and Buffett's assets were also rising.

The third is the Mexican Telecom tycoon, who is also Feng Yu's plan to cooperate in the telecom industry in the Americas. The fourth is Bill Gates, a software tycoon.

Falling from the position of the richest man in the world, and then falling to the fourth place, made Bill Gates' reputation also fall all the way, which also proved that many people's trust in Microsoft declined.

Bill Gates is also accumulating strength, mainly to see whether the new generation of PC operating system launched by Microsoft at the end of the year can bring Microsoft back to its peak.

Feng Yu can guess Bill Gates' idea, but he doesn't think Bill Gates can succeed at most. Bill Gates is the third in the world.

World number one, it must be Feng Yu's, world number two, and Kirilenko's turn.

In this financial investment, Feng Yu has the most capital, and Kirilenko is the second largest. Mortgage speculation finance, Kiri even Kobe Feng Yu but crazy.

As for the new generation of Microsoft's operating system, even if it is better to use than the previous win7, but based on user inertia and even the layout of Yinshan, the development will not be so good.

Microsoft now doesn't have to worry about being accused of monopoly, because they have lost their monopoly position.

In Feng Yu's view, Bill Gates is still the same as in his previous life. When the new system is released and Microsoft's stock price rises, he will cash in quickly and put money into his charity foundation. It's time for software industry to change!

At this time, Feng Yu also asked people to analyze the stocks of many companies to see which would fall sharply, and then looked for financial companies that could lend stocks for short selling.

At the same time, let Ralph seize the time to negotiate with that supermarket group, and ask Ralph to acquire that supermarket group as soon as possible, and merge it into Taihua holding group.

But Ralph was very busy at the moment, even Masao Kuda was helping. Although Feng Yu took a holiday for Mr. Kamata to accompany his family to the Beijing Olympics, Mr. Kamata also took the initiative to share some work for Ralph, such as integrating some acquired financial companies.

Minsheng Bank is also holding frequent meetings to discuss the issue of entering the US market. Although Feng Yu has set the tone, there is still a big gap between theory and practice.

For example, to build so many business outlets, we need to invest a lot of money. If Fannie and Freddie fail, then the real estate market in the United States will fall.

At this time, there may be a difference of more than 10% between the price of the store and the price of the store two months later.

It seems that 10% is not too much, but if it's one billion dollars, the difference is one billion dollars.

A hundred million dollars is not much for Feng Yu, but it is not a small amount for Minsheng Bank, which is going to spend a lot of money.

Minsheng Bank is all the money raised by the individual shareholders. If it's their enterprise, it's no problem. For example, Zong Qingxian is rich, but most of his assets are shares of Taihua holding and lehaha group, as well as shares and real estate of some other companies. In fact, there is not much cash available.

Most of the shareholders of Minsheng Bank are similar to those of Zong Qingxian. Who would let his bank account deposit so much money? It's not in line with the investment philosophy at all.

Feng Yu didn't pay attention to all of them. Anyway, he told all the shareholders that now is the best time. Before the end of this year, we must complete the layout, at least the site selection, and next year we can take the opportunity to carry out business vigorously, so that the bank can stand and grow rapidly in the United States.

Some people think that the risk of opening multiple business outlets at the same time is relatively large. Although the financial market of the United States is not very good now, it is also a good opportunity to enter.

But it's better to try to open several business outlets first and then expand next year. Feng Yu thought about it, but there was nothing wrong. He is rich in capital, so he can set up multiple business outlets together. Other shareholders can't. It's also a choice to strengthen the confidence of others to test the water.

In fact, in the past year, Minsheng Bank had already opened its first overseas business outlet in New York. At that time, it was mainly Feng Yu's business, which naturally included other enterprises such as beverage alliance.

It's about the sales receipts in the United States. Instead of going on from the state-owned capital bank or Citibank in China, it's going to go through the accounts of Minsheng Bank.

Now the development of Minsheng Bank is OK. With the help of Feng Yu, at least it has a foothold in the United States. It has not lost money, but it has not made much money.After all, there are too few business outlets and more people come to handle business. For example, the financial derivatives transactions between other banks were also denied by Feng Yu.

Those seem to be very profitable, but they are actually very risky. High profits are naturally accompanied by high risks.

Everyone believed Feng Yu's decision out of his trust. Now it seems that Feng Yu's decision is right. Otherwise, Minsheng Bank will be in trouble now.

Now, the main business of Minsheng Bank is interbank lending.

That is to say, short-term loans between banks, or between other financial institutions and banks.

There are many kinds of such borrowings, such as one day, three days, one week, one month, three months and so on, which are mainly the shortage of position adjustment and temporary funds.

As we all know, the cash reserve of a bank or financial institution is generally not large. 20% of the total savings is in cash, which is super high. Generally, 10% is not necessarily used.

So once someone wants to cash in large amount, how to deal with the shortage of funds? At this time, interbank borrowing is required.

Borrow money from peers for emergency, then sell some products, or raise enough cash to repay by means of absorption and storage.

In this way, more funds can be invested and profits can be made continuously. The bank itself is an institution that invests others' money for profit. Of course, it can invest as much as possible to ensure the maximum profit.

Today, the New York branch of Minsheng Bank, ushered in a bank's short-term lending, which was quickly reported to Feng Yu.

Feng Yu once looked, how is this bank?

……