Chapter 1810

Feng Yu once told the people's voice bank that at this time, the market in the United States was very chaotic, with risks and opportunities coexisting. In case of large-scale transactions, he must be informed.

This time, someone wanted to borrow three billion dollars in a short term, which is a very large number, far exceeding the total amount of deposits and withdrawals of China Minsheng Bank in the United States. Of course, it should be reported to Feng Yu.

However, according to the head of Minsheng Bank in the United States, it should be able to borrow, and the other party's reputation is very good.

This is the New York branch of the Bank of America. Bank of America, once used the name of Bank of America in China, because they are a private joint-stock commercial bank. They use the name of Bank of America. They are worried that people in China think this is the Bank of American political axe.

But in fact, although it is a joint-stock commercial bank, it still has a great relationship with the political axe of the United States. For example, in the families of shareholders of these banks, there are people holding positions such as councillors.

In less than a year, many banks in the United States have gone bankrupt, and the lending between major banks has become more and more troublesome, and the auditing has become more and more strict.

The interbank offered rate is also raised by the banks of the United States and other countries. It is precisely because of this that the speed of the collapse of many small banks has been accelerated. Anti Zhengda banks mainly lend to the outside world. Of course, it's best to get more profits. Small banks fail. They have the same way to recover their capital.

"Mr. Feng, this is the document of the Bank of America, which gives us not low interest. What's more, we have analyzed that after a large number of layoffs, the cost of the Bank of America has dropped a lot, and we can get through this difficulty. "

Feng Yu simply glanced over the document and threw it aside: "this interest is not the highest rated one. Tell them that we should have the highest rated interest and the priority of repayment."

The so-called priority is that when the contract expires, Minsheng Bank can ask the Bank of America to repay their money first, because at this time, the Bank of America may borrow money from multiple banks.

Priority repayment can reduce the risk of the bank. However, the interest rate of those who require the priority of repayment is relatively low. If the risk is low, the profit will be low.

Feng Yu now wants not only the highest interest, but also the priority of repayment. It is clear that he wants to take advantage of the fire.

At the request of Guohui and xiaobushi office, the Bank of America should help some enterprises to tide over the difficulties and take over some financial enterprises applying for bankruptcy. Of course, the government axe of America will also give the Bank of America certain commitments, such as ensuring that their debts can be collected on time and providing some other convenience.

To say why the relationship between sb10 and the Bank of America is so good, the main reason is that the shareholders behind the Bank of America are actually the firm supporters of sb10.

There are many army fire merchants standing behind xiaobushi, which is well known to all. As soon as he came to power, he launched many wars, which greatly helped those army fire merchants to make money.

And the headquarters of the Bank of America is located in California. What is the most important industry in California!

So why should the Bank of America support the order of the Bush administration, because it is a transaction in itself. And in the future, they will continue to push the top of the Bushi family and keep their cooperation.

Even now, they can't watch xiaobushi fall, which will affect the reputation of Bushi family and their future cooperation.

What's more, they are grasshoppers on a rope, of course, they have to jump to one end.

What's more, to help the government axe take over some enterprises that are on the verge of bankruptcy, they don't have to lose. First, some non-performing assets will be divested, and then they can take the opportunity to expand their business scale and get some high-risk bonds and so on.

One policy of the government axe will enable them to appreciate their bonds significantly, so as to get rid of losses and make good profits.

In the past, the Bank of America also supported xiaobushi. In this crisis of LiangFang group, the Bank of America also took action. From a commercial point of view, LiangFang group is doomed, but if the government axe is willing to help, then LiangFang group will have a time to turn over.

At this time, the U.S. bank needs to borrow money for a short period of time. It must also be to wipe the farts of Fannie and Freddie, or find other ways to make money in this.

Since the banks of the United States have come to the Bank of Minsheng, a foreign-funded bank that doesn't show any signs of leakage, it shows that they really need money.

Do you want the highest interest and the best conditions?

In any case, Minsheng Bank and Bank of America are not partners. We are still competitors. When is it better not to start at this time?

The president of New York branch of Bank of America frowned at this time, and the Bank of the people's voice was too open to ask for not only the highest interest, but also the priority of repayment.

They are still hesitating. The other side has put forward another one, which is to use RMB as the exchange rate at this time. That is to say, if you borrow three billion US dollars now, it will be about 22.2 billion RMB at the exchange rate of 1:7.4.

When you pay it back, you have to convert 22.2 billion yuan into US dollars to pay it back. The same is true for interest.

However, everyone knows that although the RMB does not appreciate strongly at this time, the dollar is depreciating. By the time they repay, the original $3 billion principal may have risen by nearly $1 billion!At first, this part of the gap can make up for the interest expenses of American banks, but now they will lose even more.

At this time, according to the above requirements, the Bank of America is taking over some businesses of LiangFang group, helping the two enterprises to tide over the difficulties. Of course, it can also exchange for some other convenience.

Originally, the small-scale banks like Minsheng Bank were not under consideration of their short-term borrowing and lending. Such a small-scale bank may not be able to earn a billion dollars, right? But when they learned that the majority shareholder of Minsheng Bank was Feng Yu, they thought that the bank would definitely get the money.

But they didn't expect that the bank was so greedy and put forward such harsh conditions!

At this time, other commercial banks in the United States are also very difficult, such as Citigroup, which is quite good, but they are unwilling to lend to the Bank of the United States, and do not hope that the Bank of the United States will take the opportunity to grow.

There are not many choices for US banks, and they have borrowed from Europe, which is not enough at all. At this time, they can't let go of any peer who can borrow money, so even if the conditions of the bank are harsh, they can only promise with their teeth in their teeth.

Now they just think that, as the first commercial bank to raise the interbank offered rate, have they made a mistake? Originally, they had been borrowing money from abroad. Of course, the higher the interest rate, the more cost-effective.

But now it's their turn to borrow money. The high interest rate will make them suffer.

One accidentally lifted the stone and hit his own foot!

……