American Fortune Life

A banker is an entrepreneur whose main business is the banking industry, and who is good at turning a business vision in conception into a business reality.

Although Andy does not take the banking industry as his main business, the bank is the most central piece of the puzzle in his business empire.

Banks will become one of his important means of control over some companies that need to go public.

He has been buying other people's companies, doves occupying magpie's nests, crossing rivers and demolishing bridges, hostile takeovers and other methods are all used by him. Although people criticize him, many people have to admire him. He himself is the villain in the eyes of those business founders. , Naturally, he will pay more attention to preventing others from using the same tricks against him.

Therefore, with regard to the absolute control of the company, Andy will not leave any mistakes in this kind of matter. Cross-shareholding and large borrowing from his own bank are all within the scope of his implementation.

From taking over Indy Mac Federal Bank to merging four banks to form a new bank, even if all the think tank personnel who can be mobilized are dispersed, as the big boss of the bank, he can't drink coffee and smoke like before. As leisurely as a cigar.

After the official transfer of bank assets and the formal withdrawal of all FDIC personnel from IndyMac Bank, Andy spent the next few days sitting in the former IndyMac Bank headquarters in Pasadena, Los Angeles.

Meeting, meeting, meeting. . .

The three consecutive days of uninterrupted meetings allowed Andy to get acquainted with the specific situation of his 82 branches, met the four branch presidents who were still retained in the previous four banks, familiarized himself with everyone's background information, and implemented and communicated with everyone. He explained the development direction of his Yingtai Bank.

On the first day of taking over, Andy injected US$1.5 billion into the new bank as Yingtai Bank’s cash reserves. At the same time, its credit business also returned to a single model, only providing loans of the same priority, and completely dividing the non-traditional mortgage loan business.

In order to attract new customers, Andy made a decision to pay customers a higher deposit rate when the current interest rate is extremely low. To put it bluntly, it is high interest rate storage.

Advertisements began to be made in major media, such as the Los Angeles Dodgers baseball game, the U.S. Golf Open, the NBA American Basketball League, and especially the Lakers game. Andy temporarily put aside the Lakers' 3-2 playoff grievance with the Rockets. Advertise the bank as a merchant supporting the Lakers.

Andy even wanted Yingtai Bank to become the official sponsor of the Lakers at first, but was brought back to reality by Al's words.

Although the Lakers are irreplaceable and the most famous in California, the main group of people who like to save money are Chinese Americans!

In this way, he will naturally not let others take advantage of him, and FireWire becomes the official sponsor of his Rockets.

To be honest, the busiest part of the entire Yingtai Bank is the newly established brand planning department. Almost every day, we can see from the media that they sponsored the competition and held a press conference.

After Andy's set of combo punches and overwhelming advertising bombardment, it is completely like a local tyrant throwing money. Although it is simple and rude, the effect is very obvious.

Don’t think that Andy’s behavior of throwing money is that many people with money are stupid. In this period of recession in the banking industry in the United States, even if you pretend to have money, you have to pretend to be rich. You must know that many passers-by are very fond of this .

It is to let every customer who has doubts understand that the current Yingtai Bank is really strong. There is a billionaire boss who is worth more than 20 billion and can make money at a miraculous speed. Putting the money together, there is nothing to worry about.

Especially when the media reported that Mockingjay Game Company and Liberty City APP Mall signed a settlement bank agreement with Yingtai Bank, which can almost be called a dollar printing machine, this made many people feel relieved. If nothing else, at least Yingtai Bank will really have no shortage of cash flow in the future.

In the office of the president of Yingtai Bank, Andy leaned on the boss chair, closed his eyes and rested his mind a little tiredly. To be honest, this period of time was the most intensive and busiest period of his work in a year.

"Boom boom"

"boss,

Mr. Alvitre has arrived. "

Andy opened his eyes, saw Tory Black who had rushed over from New York a few days ago, nodded slightly and said, "Let him in."

Watching the little assistant turn and leave, Andy sat up straight, straightened his shirt and tie, and soon Alvitley walked in with a folder.

After Al sat down, he didn't say anything nonsense, but directly handed the folder in his hand to Andy and introduced: "This is a few candidates we selected through the headhunting company, and they are all qualified for the CEO position of Yingtai Bank. The boss , take a look."

Andy took the folder and began to flip through it quickly. As he looked at it, his expression changed slightly, with a feeling of toothache. The candidates are indeed 'talented', and their resumes are also very good. Forced, they all have backgrounds in large financial institutions, either Goldman Sachs or MG Chase, but the key is that these people are typical representatives of the kind of people who like low risk and high return.

Looking at the successful cases of these people, Andy can only say that these people are no longer using their talents to make money, but plundering.

"Al, just tell me what you think, who do you like!" Andy closed the list of vampires in his hand, looked at Al with a slight frown and asked.

"Stephen Nuby." Al said the answer calmly without going around the corner.

Andy immediately thought of the background information about Stephen Nuby in the materials he had read before.

"He has a background in Goldman Sachs for 20 years, he was a partner of Goldman Sachs for 17 years, he founded his own hedge fund, and he was a Hollywood producer... involved in almost all the bad decisions on Wall Street. For years, he's done a good job of helping Goldman Sachs sell the destruction of the economy, consuming billions in taxpayer aid to make the same mortgage product..."

Listening to Alvetrie's introduction, Andy's face became more and more gloomy, with a trace of entanglement. This Stephen Nuby is a ruthless capitalist who puts his interests first. Income investment ideas.

"Stupid investors..." Andy frowned slightly, closed his eyes, touched his chin, and muttered softly.

Seeing that his boss was getting into trouble again, Al sighed helplessly and said, "Boss, you are not a god, you are a capitalist, and your purpose is only to make money!"

"Hey"

Al saw the wry smile on the young boss's face, and said again: "The people whose houses were taken away by the courts are very unfortunate, but these loans were management problems before we took over IndyMac Bank. We are just doing what we should Do things to reduce our losses!

If you are really sorry, wait until the process is almost done, and someone really criticizes this, then we can push him to the foreground! "

Well, as the chief consultant, I have even thought about the follow-up crossing the river and demolishing the bridge. This is planning to kill the donkey from the very beginning. It's really a good job by Nima!

Andy shook his head and smiled wryly, waved his hands and said, "You decide..."

"Then this Stephen Nuby, he is very capable, good at mining and destroying the economy, we don't need to remind or guide him how to do it, just give him one request to achieve a quick turnaround.

To achieve this goal, he needs to deal with IndyMac's bad loans and other assets as soon as possible, and he will definitely make a fuss about foreclosure.

Once something goes wrong, we can only reluctantly dismiss him. Of course, we will give him a lot of severance pay. I think he will accept it gladly! "

Andy just laughed a few times when he heard Alvetrie's words, and couldn't help but sigh in his heart, Nima, you've already thought up the whole plan, what else can I say, I have no grudge against money! It seems that I can only be an inexperienced young boss who is unaware, has been taken advantage of by his subordinates, and has been deceived. . .

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