Chapter 1809: The Development of the Voice of the People

Huaxia pinned the blame on Buffett, and the U.S. government has nothing to do. Although they think this is an excuse, it seems that there is no flaw.

However, Buffett's stock is also shrinking this year. Last year, his net worth surpassed that of Bill Gates to become the second richest person in the world, but now he is on the same level as Bill Gates. It is estimated that he will be surpassed by Bill Gates again by the end of the year.

Speaking of it, Bill Gates is also quite miserable. Last year, he only ranked fourth in the world. The first is Feng Yu, which is indisputable, and the second is Buffett, with a net worth of more than 60 billion US dollars, because at that time the stock market was booming, and Buffett's assets were also rising.

The third is the Mexican telecommunications tycoon, who Feng Yu intends to cooperate with to enter the American telecommunications industry. The fourth is Bill Gates, the software tycoon.

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

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

The number one in the world must belong to Feng Yu, and the number two in the world must be Kirilenko's turn.

In this financial investment, Feng Yu has the most funds, and Kirilenko has the second most. Mortgage speculation in finance, Kirilen Kobe is much more crazy than Feng Yu.

As for Microsoft's next-generation operating system, even though it is more usable than WIN7 in the previous life, based on user inertia and the layout of Lianxiang Yinshan, the development will not be so good.

Microsoft does not have to worry about being accused of monopoly now, because they have lost their monopoly status.

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 should quickly cash out and inject the funds into his charitable foundation. The software business should also change. up!

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

At the same time, it also allowed Ralph to seize the time to negotiate with the supermarket group, asking Ralph to acquire the supermarket group as quickly as possible and merge it into the Taihua Holding Group.

But Ralph is also very busy at this time, and even Masao Kameda is helping. Although Feng Yu gave Masao Kameda a break during this period and asked him to accompany his family to watch the Olympics in the capital, Masao Kameda 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 entering the US market. Although Feng Yu has set the tone, there is still a big gap between theory and actual operation.

For example, to build so many business outlets, you need to invest a lot of money. If Liangfang Group goes bankrupt, the real estate market in the United States will continue to fall.

At this time, the price of buying a store may differ by more than 10% from that of buying a store two months later.

Ten percent doesn't seem like a lot, but if it's one billion dollars, the difference is a hundred million dollars.

One hundred million US dollars is not a lot to Feng Yu, but it is not a small sum to Minsheng Bank, which is now spending money like crazy.

People's Voice Bank is all the money provided by the individual shareholders. If it is their company's shareholding, then it will be no problem. For example, Zong Qingxian has a lot of money, but most of his assets are the stocks of Taihua Holdings and Lehaha Group, as well as the stocks of other companies, real estate, etc. In fact, the cash that can be used is not particularly large.

Most of the shareholders of Minsheng Bank are in the same situation as Zong Qingxian. Who would let their own bank account deposit so much money? It is not in line with the investment philosophy at all.

Feng Yu didn't pay any attention to these things, anyway, he told those shareholders,

Now is the best time. Before the end of this year, the layout must be completed. At least the site selection must be completed. Next year, we can take the opportunity to develop business aggressively, so that Minsheng Bank can gain a foothold in the United States and grow rapidly.

Some people feel that it is more risky to open multiple business outlets at the same time. Although the financial market in the United States is not very good, it is also a good opportunity to enter.

However, it is better to test the waters and open a few business outlets first, and then expand next year. Feng Yu thought about it, and there was nothing wrong with it. He has abundant funds, so he can open multiple business outlets together, but other shareholders cannot. Testing the water now is also a choice to strengthen the confidence of others.

In fact, Minsheng Bank had already opened its first overseas business outlet in New York the year before last. At that time, it was mainly Feng Yu's business, which naturally also included other companies such as the Beverage League.

It is the payment of sales in the United States, and so on, through Minsheng Bank, instead of continuing to proceed from Huaxia's state-owned banks or Citibank.

Now Minsheng Bank is developing fairly well. With Feng Yu's help, at least it can stand on its own in the country of America. It didn't lose money, but it didn't make much money either.

After all, there are too few business outlets, and more people will come to handle business. And those financial derivatives transactions between other banks were also rejected by Feng Yu.

Those that appear to be highly profitable are actually very risky. High profits naturally come with high risks.

Out of trust in Feng Yu, everyone also believed in Feng Yu's decision. Now it seems that Feng Yu's decision is correct, otherwise Minsheng Bank must be in trouble now.

The main business of Minsheng Bank is interbank lending.

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

This kind of loan, one day, three days, one week, one month, three months and so on, is mainly for adjusting positions and temporary shortage of funds.

Everyone knows that a bank or financial institution generally does not have much cash reserves, and 20% of the total savings in cash is extremely high, and generally 10% may not be used.

So once someone wants to withdraw a large amount of cash and wait for a large amount of payment, what should I do if the funds are insufficient? At this time, interbank lending is required.

First borrow money from peers for emergency, and then sell some products, or raise enough cash to repay by means of absorbing savings.

In this way, more funds can be invested and continue to make profits. The bank itself is an institution that uses other people's money to invest and make profits. Of course, it can invest as much as it can to ensure the maximum profit.

Today, the New York branch of Minsheng Bank received a short-term loan from a bank, and this matter was quickly reported to Feng Yu.

Feng Yu took a look, why is this bank?

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