Future chat group

If Taylor was not a woman, Lei Hao would never put her as a candidate.

But the thing is so strange. Lei Hao needs someone who can manage a small commercial bank well, and Taylor is a top UCB student who comes from a banking family.

Taylor is trustworthy. In terms of ability, she has been exposed to the banking industry since she was a child and has worked at Goldman Sachs for a period of time. She is also an extremely suitable choice.

But if there was a 100% chance, Lei Hao would not want to recruit a female love rival into the core management, although he was very confident that he would not be exploited by the other party.

"Are you kidding me?" During dinner time, when Lei Hao made an appointment with Taylor and expressed her intention, the "female" in a suit opened her eyes wide in disbelief.

"You heard me right, Alisa and I both feel that you are the most suitable candidate." Lei Hao has been in the United States for so long, and he has also learned some of the American accent, and said simply and directly: "Of course, this is a two-way choice. "

"What kind of bank are you going to acquire? I mean, where's the plan? You should know that my clients at Goldman Sachs have assets of nearly 100 million." Taylor rolled his eyes, put down his knife and fork in a manly manner, and leaned back in his chair. On his back, he said: "My annual income is over one million US dollars."

"My annual income is two billion U.S. dollars." Lei Hao didn't know why, but when he saw Taylor, he had the idea of ​​​​competing him.

"Bullshit! I know you are powerful, but remember, I will keep an eye on you. You'd better not give me any chance." Taylor stared at Lei Hao like a hairy man, and said, "Why do you think I do this?" I am interested in your bank that only exists in the plan..."

Regardless of whether she is a lesbian or not, women are always a bit nagging, especially a unique "female" person like Taylor.

As the daughter of a banking family, Taylor Lala's identity simply broke the hearts of her elders. Fortunately, she was indeed strong and independent, so she would not go to extremes.

Judging from the contact during this period, Lei Hao also recognized Taylor's personality.

People like Taylor, to use the words in a certain book, are hugging each other for warmth in hell and looking up to heaven. They are born different and long for equal status, but it is almost impossible to get equal status. status.

What Lei Hao admires most is that in the secular discrimination, people like Taylor, who are openly gay, can find a way to get along with "others", which can be called great.

"What's that look in your eyes!" Taylor was very sensitive. She noticed the strange look in Lei Hao's eyes, and her heart burst into flames: "I don't need any sympathy."

"There is no sympathy in my eyes." Lei Hao felt wronged.

"It's best not." Taylor said, "Let's talk about work."

Taylor spoke slowly and clearly. In terms of personal qualifications, she comes from a banking family in the eastern United States, which is very important. It allows her to seamlessly enter the banking circle, including wholesale, retail, corporate, and corporate. Private business is no problem for her.

Give her a commercial bank and she will be able to get started immediately. With her own personal connections, it can be said that it is not difficult to run it. She is a banker prospect rated by "The Banker".

But from an income perspective, Taylor earns a million dollars a year at Goldman Sachs. If she takes over the job given by Lei Hao, she will have to give up a lot. At the very least, you can't let her income drop too much.

From the perspective of development prospects, Taylor was very eager to try again. She declined some invitations, but the position given by Lei Hao was enough for her to make up her mind to take the risk.

Finally, from an emotional point of view, this is very cruel. Taylor belongs to the rational person in that small world. She gave up chasing something that could not have any results, but it did not hinder her sense of competition for Lei Hao's existence. .

"Let me first talk about your preferred target, Yuhua Bank. Its shareholding structure is not too complicated. The Edmonds family owns 17% of the shares, Chinese Chen owns 15%, a Chicago consortium owns 21%, and the rest Of the 47%, investment banks and other institutions hold 32%, and the remaining 15% are scattered investors..."

“Due to the restrictions of the U.S. Banking Act, few commercial banks are wholly owned, especially when your funds come from the international financial market, so even if LEI succeeds in its acquisition, the target bank must quickly localize, which is not difficult... "

"What I'm more worried about is that you have chosen the wrong target. Yuhua has about 700 million in deposits, annual operating income of about 10 million, and net profit of about 3 million. Adding its license and hardware, the valuation is 40 million. It's very appropriate, but if you want to intervene in the acquisition now, those gangsters will not let you go..."

Taylor took a brief look at the document handed over by Lei Hao, and quickly gave her opinion. Whether it was her family's influence or her own profession, she had already put these things in her mind.

Lei Hao listened to the other party describing the target banks one by one, and saw a word called Bowen Qiang Kee. There are so many commercial banks in the United States, but it seems that the information of each bank is printed in the other party's mind.

"Can I know your opinion?" After Taylor concluded, he puffed up his chest slightly and asked.

Yes, this is a demonstration. If Lei Hao's invitation is not accepted, Taylor may also undertake LEI's acquisition of a commercial bank through Goldman Sachs, which requires Taylor to show his strength.

If you accept Lei Hao's invitation, not to mention, if you don't show more in front of your future boss, why are you still hiding it? Besides, Taylor wants to overpower Lei Hao wherever possible, even once That's fine.

Seeing the slightly provocative look in Taylor's eyes, Lei Hao also understood that the other party was not a weak woman, but a "pure man" wrapped in a woman's shell.

"If I set my target as Yuhua and hand over the business to Goldman Sachs, how far can you achieve it?" Lei Hao asked.

"Acquisition at a premium, partial equity, between 30% and 50%, it is very difficult to control." Taylor thought for a while and replied.

“What if it’s not through Goldman Sachs’ channels?”

"Higher unit price, lower equity ratio."

"What if something goes wrong with Yuhua Bank?"

"You mean...their large loan this time?" Taylor frowned, "It's unlikely. There's not enough momentum, no one is pushing it, and the federal regulators don't have the ability to handle these things."

"He will have problems, and I have priority in financing from Yuhua Bank through certain channels. At the same price, LEI has the right to inject capital first." Lei Hao revealed a small trump card that he had hidden for a long time.

If there is a problem with the loan project, there will be problems with the operation of Yuhua Bank. The first reaction will definitely be to settle the bad debt, but at this time, whether it is finding funds or looking for additional insurance from an insurance company, it is not an easy task.

In the end, some people will definitely start to waver in their determination to hold shares, and as long as the price is right, this matter can be discussed.

What Lei Hao wants is this "negotiable" result.