Rebirth 79: I opened a bank in the United States

First, let’s talk about some issues about this book, including some recently controversial issues, from the author’s perspective.

1. Why has the bank been silent all this time?

Answer: The time for bank development has not yet come. According to the legislative situation, I have sorted out the timeline.

The "Depository Institutions Deregulation and Currency Control Act" of 1980, the main contents of this bill: 1. Remove the interest ceiling; 2. Allow interest-paying checking accounts, which are now accounts; 3. Increase the maximum federal deposit insurance limit from 40,000 to

100,000; 4. Allow savings banks to carry out consumer credit and commercial credit within certain limits (key points); 5. Establish unified reserve requirements, and all depository institutions can enjoy the Federal Reserve’s clearing, discount and other services.

The "Garn Saint-Germain Law" of 1982 mainly includes: 1. Two super accounts without interest rate restrictions; 2. Relaxing restrictions on commercial credit and consumer credit; 3. Allowing commercial banks to merge with bankrupt savings banks.

; 4. Allow non-bank depository institutions to issue industrial and commercial loans; 5. Allow banks to underwrite securities and insurance businesses within certain limits (key points).

The "Bank Equal Competition Act" of 1987, the main content: redefines the concept of a bank, as long as the institutions participating in the federal deposit insurance are banks, and allows banks to develop part of the underwriting business of investment banks, as long as the proportion is not large (

Compared with the previous part, restrictions have been relaxed).

The "Financial Institutions Reform, Revitalization and Implementation Act" of 1989 will not go into the main content. This is more complicated. The summary is a major reshuffle of the U.S. banking industry. Mergers and splits, changes in nature, etc. Many banks appeared during this period.

Many banks also disappeared during this period.

The Interstate Banking Act of 1994, whose full name is the Riegel-Neal Interstate Banking and Branch Efficiency Act, as the name suggests, eliminated geographic restrictions.

The Financial Services Modernization Act of 1999 completely broke the business boundary restrictions of the Banking Act of 1933. The Bank of the United States after this act is the Bank of the United States that we think of now.

Summary: It’s not that I’m trying to sell someone else’s meat, it’s that the time has not yet come!

2. It feels very confusing when I watch it, there is no main line, the protagonist is a hammer in the east and a stick in the west.

Answer: The main plot has always been there, and many comments have even mentioned it. The main plot goal is to form a consortium centered on the protagonist.

Focusing on this goal, let's look at everything the protagonist does now. Or the people he comes into contact with, I will divide them into three categories:

1. Business connections: Gates, Paulson, Julian, Soros, Jim Rogers, Peter Lynch, etc. This doesn’t require much explanation, right?

2. Political connections: Chief Carlos of the local police station, Douglas Mayor Rob Benjamin, who will be contacted through the development of a commercial district to increase employment, and Jim Carter, Taft, etc. who will appear in the future.

I don’t think this point needs too much explanation. I understand everything from capital countries to politics and business...

3. Other types of connections: such as classmate father Duke, gang member O'Neil, etc. This is also the most controversial point. But let's think about the birth process of the consortium from another angle. You said that it had no contact with such people at all.

Is it possible that there has never been any intersection? The goal I set for the protagonist (note, this is designed by me and does not represent the protagonist's current thoughts) is to develop from scratch, no, from a small, completely inconspicuous rural bank to a...

With banks as its basic base and Georgia as its regional base, it is a new generation consortium based on the coming information age.

Banks are the basic base, and Georgia is the base. The main investment industries, or influence, are distributed in emerging industries such as the Internet, semiconductors, databases, cloud computing, big data, etc., and gradually expand to the aviation industry, aviation manufacturing, automobile industry, and food industry.

, diversified spread in many fields such as real estate industry.

It is not easy to achieve this step. I also set up the character of an ordinary person for the protagonist. So, his goal at the beginning will definitely not be this, so in the plot design, in addition to business connections, it is him who takes the initiative

Except for contact, the other two categories are passive.

The Gurn incident led to other connections, and the money could not be recovered but could only be paid with land in disguise. The original intention was just to make back the capital, but inadvertently it solved part of Douglas's employment problem in the future unemployment wave, and thus came into contact with political connections.

Maybe it’s because I don’t have enough writing skills to make it clear, or I can’t let some readers connect it. And in order to fit the protagonist’s ordinary persona, I repeatedly emphasized that he didn’t want to be a consortium at all, just a hug.

Big guys make money with their legs.

Here is a unified explanation.

3. What is the most profitable investment, and what is inappropriate to do at this time...

Answer: Regarding this type of question, I will give a unified answer based on questions such as "Don't you know this?"; "How dare you start a business if you don't know anything?"

Again, character, ordinary people! Ordinary people! Ordinary people!

Say important things three times!!!

I don’t understand why an ordinary person starting a business in the 21st century must know about the Hunter Silver incident? I also don’t understand why some people think that time travelers should be omniscient and omnipotent.

Everyone’s knowledge, experience, and exposure are different. I don’t have a lot of the knowledge you have come into contact with, and you don’t have some of my experiences either. Especially in the information cocoon of the 21st century, it seems that we can today

There is endless information available. But what is the reality?

They are all closed loops. If you don’t get involved in a certain field, you won’t be able to get even a little bit of information. Let’s not talk about whether time travel science is scientific or not. Let’s ask:

Is anyone now starting to memorize the Three Gods Book of Time, write down the winning numbers of each Shuangseqiu lottery, recite the upsets of previous World Cups, and then collect all the historical bull market information?

Come! If anyone can please raise your hand and memorize it completely, I will obey you! From now on, you are my big brother! I will not stand up to the wall, so I will obey you!

Therefore, the protagonist of this article will definitely not make a profit every time he invests, nor will he be able to enter the market at the best time and leave the market at the best time every time. For example, Hunter Silver, I deliberately made the protagonist

Leave the scene. Stop as soon as you feel good. I think it is in line with the protagonist's current character mentality. If you want to see Long Aotian, who is at full level at the beginning, omniscient and omnipotent, you can click "cross" when you see this. What we wrote is not what you want to see.

Of course, there is also a problem here, that is, the protagonist knows about the replacement of the chairman of the Federal Reserve. This situation is obviously inconsistent with the ordinary person's personality, but there is no way, for the needs of the plot, a wave is forcibly set. Otherwise, the crisis at the beginning will not be good.

solve.

4. Legal and regulatory issues, such as "The protagonist smokes under the age of 21", "The money borrowed from the bank is transferred to a personal account for investment", "How can a small bank borrow so much money? Don't each bank have risk control?

” and so on.

Answer: Before answering this question, please allow me to ask you a question: You promise that you will always abide by the laws and regulations in your life. Have you ever exceeded the rules? Never ran a red light? Never had a traffic violation, etc...

Again, if there is, I will obey you!

Of course, some people may say that these are different in nature, so don’t confuse things. Ok, let’s get back to the topic, the primitive accumulation of capital, let alone the primitive accumulation stage.

Just a question, can people who follow the rules and be honest and do their duty can do big business?

You just need to ask yourself this question. I won’t go into details or give examples. The examples will guarantee a 404. Let’s just make ends meet. There’s no need to just fly on the dragon’s face, right?

Regarding risk control issues, I don’t want to say too much. Please refer to the Hunter Silver incident. If the risk control of each bank was as good as you think at the time, the follow-up of the Hunter Silver incident would not have forced Volcker to

Personally negotiating with the Hunter family would not have caused Becky, Hilson and other major Wall Street brokers at that time to be on the verge of bankruptcy, and even eventually suffered a major loss of vitality along with the Hunter family.

5. Drama-related questions, such as "There are no people in the United States called uncle or aunt", "I always think about how I was in my previous life, how I was growing flowers", "And I have to put on a straight face when I just saw it tonight."

Answer: Regarding this question, let me tell you a story.

I have posted a single chapter before, but I guess not many people have read it. This time I posted it in the text volume. I have never studied in the United States, but I have been to the United States and lived in Canada for a while. It is a small town called

Waterloo, when hearing this name, I estimate that 99% of people will think of a certain Corsican artillery second lieutenant. I used to do the same...

It's a small town in southern Ontario, known as Canada's Silicon Valley. Yes, my dad is engaged in computers and wireless communications. We don't know what he studies specifically, and we don't dare to ask.

Anyway, I went with my father when he was a visiting scholar at the University of Waterloo. I went to a public school for a while. I couldn’t afford private education, so I went to a public school and there were some preferential policies for the families of visiting scholars.

.

Not to mention these, what I want to say is that some of the content in the article is based on my personal experience and thoughts. First of all, I am a liberal arts student, and my parents are both men and women in science and engineering, and my mother is in physics.

I am an associate senior researcher. My parents are a typical straight man and woman in science and engineering. They are not very good at talking, do not understand the ways of the world, and do not like to socialize.

Every day is in the laboratory, in the classroom, at home between 3:00 and 1:00, and occasionally going to the library. Now that I am older, it is not bad, and I know that I can ride a bicycle to the park...

As for me, I don’t know if the extremes of things must lead to the opposite. I feel that I am born with a bit of a social disorder. From childhood to adulthood, I have always been on the class committee, and have been the president and vice president of the student union. I can make friends with teachers (so far)

I still owe my high school Chinese teacher more than 3,000 yuan (still unpaid). If I have nothing to do, ask the teacher to have a meal or drink with me. Then I will go down to the cleaning lady, the security guard, the proprietress of the school supermarket canteen, and go to the hospital.

I can get along well with the deputy secretary, the head teacher, etc... and get along well...

After introducing me, let’s get back to the story. I was living with my dad in Canada at the time, and he shared a house with another visiting scholar from Australia.

The first time we met, I called me "uncle" instead of "sir". They didn't think I was rude or uneducated (at least in my opinion). On the contrary, they treated me quite well. Sometimes they would greet me when I came back from the supermarket.

Bring me some snacks or something.

And the neighbors... We are not from a wealthy family, so we don't want to live in a good neighborhood. There are two families next door, one black and one white. The white family is in good condition, and their children go to a private school, and I am not here.

One piece, Xiao Hei on the other side is with me.

When I first went to school, I didn’t know anyone. It was Xiao Hei who took me to play. To be honest, I had a bad impression of black people before, but the change in my impression came from that Xiao Hei and Xiao Hei’s mother, especially that

The sentence "Although I am uneducated, if anyone bullies you, I will kill him with one shot"...

At that time, gun control in Canada was not as strict as it is now. You can buy and use AR-15s and anything else. Sometimes during the holidays, one of the great pleasures was to go out with Xiaobai and his family to shoot guns. I seriously doubt that Xiaobai’s father was a "red star" in his previous life.

"Neck", there are a lot of guns at home. I followed his uncle to get a shorter one, and I got hit with a lot of bullets. (I remember someone mentioned buying 5.56 bullets in Canada, which cost about 25 Canadian dollars and 50 dollars.

(I forgot the details. Anyway, I didn’t spend any money, and I didn’t have any money to buy bullets, let alone a gun)...

So the question is, did I break the law? Yes, I did not have a Canadian firearms license, but I shot a gun. Of course, it was at a shooting range, but the shooting range, how should I say, is a few local gun enthusiasts

, I found a nearly deserted place on the outskirts of the city and built it myself. It is not a regular commercial shooting range at all.

Second question, why is he willing to give free bullets and let me play with his gun? Is it because I cooked Yangzhou fried rice for him? Or is it because I chat with him and advise him that his children and grandchildren will have their own blessings?

?

I think they all have it. People's hearts are made of flesh. Comparing hearts with hearts, as long as you don't have a very utilitarian mentality and you call people affectionately uncle, others will not have any reaction at all. Instead, they will think that you are an interesting child and not afraid of life.

In addition to the issue of address, there is also a Chinese habit of smoking! As an old smoker who has been smoking since junior high school, it has become a habit to smoke when meeting people. And the first foreigner I met was in China.

.

At that time, I was in a folk tavern and saw a foreigner sitting next to me. He had a pack of cigarettes in front of him. Then when I wanted to smoke, I habitually struck up a conversation with him (I was suffering from social anxiety disorder).

He handed a cigarette to him and asked:

"Hi~man, are you smoking? (Don't worry about grammar, my original words at that time were my first communication with a foreigner, and I remember them deeply.)"

At that time, I remember that the foreigner, oh, he was British, was stunned for a while, said "thanks", took the cigarette, lit it, and after a minute, turned around and looked at me:

"chris..."

Then he stretched out his hand, and just like that, we got to know each other. Later, he even followed the same example and let me smoke. The summary is that many of our so-called so-called worldly habits, yes, foreigners themselves do not have it, but it does not mean that they cannot accept it.

.

Behaviors, actions, etc. that do not touch the cultural barriers between each other and do not offend the bottom line of their so-called restricted areas, such as calling people names, spreading cigarettes, etc., are acceptable to them! They are even willing to accept them!

At least among the foreigners I have interacted with, I have never encountered a situation such as calling a foreigner older than me uncle, but he told me with a straight face that this is wrong and impolite.

Finally, let’s talk about pretending to be upright. To be honest, I felt angry when I saw this sentence. It was also because of this sentence that this single chapter was born.

The first question is, what does it mean to stand upright? In the United States, criticizing a flower farmer means having a right stand?

Not to mention at that time, not to mention Rogers and others, they all expressed their optimism about planting flowers. Let’s talk about it now, let’s see what the Americans have been clamoring about in recent years.

Black Lives Matter, White Left, Female Boxing...these three are probably the ones with the most exposure, right? I can tell lol that Boxing loses money because of some female issue. When have you ever seen a ban on saying that in the United States?

What is the so-called stance of other countries’ speeches?

Now that you are in the United States, you say that calling black people nigger will guarantee that you will lose your skin even if you don't die. All kinds of racial discrimination labels are slapped on your head. This is an incorrect stance! Yes, this is the so-called incorrect stance of the United States!

Really, when we do something, we need to think more comprehensively. Speaking of what I write, it doesn’t seem like I am writing about the United States. OK, can I ask you not to think about the problems in the United States like a flower planter?

In our case, if I say how good the United States is, that is not a correct stance. As long as I dare to speak and write, there will be a lot of unpatriotic, banana person and other labels that will be slapped on my head. Don’t deny this.

Bar?

In fact, the problem is the same. When we look at the black lives matter, women’s boxing and so on in the United States, we find it ridiculous and unbelievable. Then have you ever thought about a question? When they look at similar problems like ours, don’t they think they are the same as us?

Do they look the same as the ones they have now?

I have liked reading history since I was a child, and I like to read books such as general history of the world. I think there is an interesting point of view. When we look at history, we need to establish a global historical perspective. When we look at current issues, I think the same is true.

Be more open-minded and have a broader vision. If you say that we are better than others, you are not embarrassed to admit it. If you say that we are holding a flower-growing job, you will lick it. If you say that we are temporarily inferior to others, don't be blind and just come up with it.

Just slap the label on you, ah, you are not patriotic or something...

We are just ordinary people. What I say and what I write can only represent my personal views. If you have other opinions, you can interact with me. It doesn’t matter if we communicate together. It’s just that I suddenly thought of a joke, then

The joke says:

Earlier, someone said that the moon abroad was rounder, and people said, you are not patriotic! Now, someone said that there is a moon abroad, and people said, you are not patriotic! Then someone said, the moon in China is more meaningful to us,

The moon entrusts our thoughts and embodies our culture. People say, you are shameless and a licker...

Summary: Don’t overdo it. American laws and regulations are not as perfect or as strict as you think. Don’t deify them, and don’t dumb them down. Treat them as people like us, and think about problems the same way.

.Human nature is often the same.

In addition, let’s discuss it thoroughly and don’t just blame it. It’s our first time, so why should we be so angry? I’m always a bad-tempered person, so when I see comments that provoke trouble, I’ll blame you.

, all comments will be banned and deleted without explanation.

Oh, by the way, there is another wave of people who don’t like this book. Normally, we are not great masters or awesome online writers. Just like you, I am just an ordinary hard-working person who insists on coding every day.

I just make some money to live on. If I can’t sleep at night thinking about the plot and suffer from insomnia, I won’t sell it if it sells badly. I believe that many non-master platinum online writers are similar to me.

Insomnia is a common thing, and worrying about gains and losses is also common. However, let's all be more normal. You don't complain and read quietly; I don't think randomly and code well.

Be more patient and tolerant of each other! Thank you very much for reading this. Let me finish with the last sentence:

It’s a long road, stay with me!

The night of May 19, 2022

khurav