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"What happened to Black Bank? Is there anything wrong?"

Based on Goodman’s experience and thinking, it’s hard to understand what’s wrong with using one’s last name as the name of a business. Not to mention the sense of shame: the last name can be passed down, and as for a business, don’t you want it to be passed down forever?

Go down?

"It just feels weird, it's too personal! I think if we really want to become that big bank! A regional, national, or even a global bank. An overly individualistic name might become a

The disadvantage is that the first impression is that it is not very professional and looks like a grassroots team."

Just imagine what China Merchants Bank will look like when it becomes Hu Hansan Bank, and you can understand Carter's emotions at this time. Although it is difficult for Americans to think of such an analogy, who can let Carter's thinking

Is it a neutral one?

Americans have thinking, but Chinese thinking patterns are also deeply ingrained in their minds.

"Then what name do you want?!"

"I don't know, it's too difficult for me to choose a name... What do you think?"

"What gave you the illusion that I am good at naming names?"

Carter:...

Looking at Goodman, who had his arms folded and looked like he was watching a child playing, Carter was a little speechless for a moment. It seemed that if this idiot knew how to name it, the name of Black Bank would have been changed long ago...

"How about it remains Black Bank, but changed to "Black Bank"?

Carter blinked, feeling that he was extremely witty at this moment! Since he didn't know how to give a name, he might as well change the characters...

At least, although it still sounds like Black, by comparison, it’s not so directional at least! Bank sounds like Black’s bank, and

"It's not that good. Those who didn't know it thought it was a black bank..."

"Um...it seems to be the same..."

Although the name was denied, now that it was mentioned, a term suddenly popped up in Carter's mind: Blackstone Investment Group! Their name seemed to be something like that...

Nowadays, it seems that I have never heard of the existence of Blackstone, so should I take away the reputation of Blackstone?

Carter touched his chin, thinking about the feasibility of this. But he felt that it was a bit unethical to do so. After all, he had just snatched Rujia's name, and turned around again...

At this time, Carter, who aspires to become the new richest man in the world, is too petty. What if he steals someone else's name? Could it be that if he changes his name, he won't be able to do it?

The black stone is left to him, I will use the whole black water to conquer the earth with water, hehehe...hehehe...

Damn it, Blackwater seems to be the name of a mercenary company...

Carter was a little depressed. The first step to overthrow the great men of the era was to die on his name?!

"Then add something to it, such as, black gold; black silver; shady...cross this one out!"

"Stop, stop, stop, just Black Silver! If you can change your name, you might as well not change it! If you insist on changing it, let this be it..."

Goodman rubbed his aching temples and gave his opinion speechlessly.

"No! I thought of it! Black Flag Bank!! In the future, we may also form commercial banks and investment banks, which will be unified under Black Flag Bank Holdings. What do you think of this name?"

Black Flag is good, Black Flag is wonderful!

That's the essence...

Although based on past experience, this thing cannot be set up randomly, but at this moment, Carter wants to take a gamble!

Now that you have decided to make a career in the United States, so what if you set this up? What’s more, if it is placed in a Chinese context, Black Flag can still compete with Citigroup. They are both flags. Black flags will overwhelm your colors. There is nothing wrong with it, right?!

"Okay, okay, whatever you want. But you just said that you plan to separate the investment banking business independently?"

Goodman touched his chin. Compared with a name, business is the focus.

"Well, in fact, I also recommend that consumer credit and commercial credit businesses be independent and set up special commercial banks to operate them. In this case, the restrictions on the savings banking industry will be much smaller... But there is no need to worry about this. If you want to establish a new

We are still too weak in terms of talent pool for commercial banks and investment banks, and Douglas is unable to attract any real talents."

"Let's do it step by step. We should develop the savings bank business first, and then we can talk about the next step. But this idea is good. I heard that some banks in New York will use bank holding companies to circumvent banks from operating across industries.

restrictions. At that time, the trust business within Black Bank can also be independent and become a new Black Flag Trust Company..."

"Yes, that's my idea. Now that the 80 Bank Law has granted our savings bank a cross-industry business license within a certain limit, we can completely build a framework based on this."

Carter smiled and nodded, then took the pen and paper and began to write and draw the future development framework of Black Flag Bank, no, it should be said that Black Flag Bank:

"If cash reserves are not considered for the time being, our Black Flag Bank now has about 5 million consumer credit and commercial credit lines within a certain geographical area, including credit card business. This 5 million line, after the reserve reserve ratio is sufficient,

I will make up for it as soon as possible. I believe that the 5 million quota should be able to meet our current market needs. How many savings banks are as well-capitalized as us?"

"I plan to split the personal mortgage loans that were confusing and general in the past. According to their loan purposes, such as the loan needs we once made, residential mortgage loans are specially handed over to the mortgage business group; while personal consumer loans,

Or the original personal mortgage loan for the boss, but it was actually a loan used for business operations, now it can also be operated in compliance with regulations."

"Personal consumer credit will be temporarily merged with the credit card business into a personal credit business group; then a commercial credit business group will be added, and our main loan business will be temporarily split into three different business groups."

"Staff in the personal credit business group are trained to become credit card managers, small unsecured loan managers and other professional managers who specialize in providing loans to individual customers."

"The staff of the commercial credit business group are directed to face the credit needs of institutional customers and corporate customers. They specialize in this area! For talent issues, we cannot always rely on external sources. We also need to have an internal environment where talents can grow.

Fertile soil!”

"In the past, maybe the environment didn't allow it, or maybe we didn't pay attention to it. But from today on, after the new regulations are implemented from September 1st, everything in the past is history!"

"In addition, the equity investment business group can also be established first. I will personally take charge of this business group! It will be fine if there is no manpower for the time being. We will redo the personnel plan later..."
Chapter completed!