America: My Time

Chapter 334 Fund Flow
Chapter 334 Fund Flow

It seems that Morgan has been helping John all along, giving him the greatest assistance, but in fact, behind that help are their own calculations. Unfortunately, these calculations have all failed. Now, what Morgan least wants to see is the expansion of Honourable Bank, even though it is currently just a savings bank, Morgan is still treating it with caution.

I don't know how many people are eyeing Chengxin Bank, but unfortunately they can't find any opportunity. Chengxin Bank's funds are very healthy, and it is extremely conservative in its development, leaving no hidden dangers behind and giving the enemy no chance to scheme. This has created an extremely uncomfortable situation for everyone.

What is the current strength of Chengxin Bank? Well-informed individuals know this: their finances have always been very healthy. They haven't made any leaps or bounds, expanding step by step, relying on John's numerous companies. If it weren't for the emergence of Bentley Group's auto loans, Morgan wouldn't be so worried. This is different from previous models; it's innovative. Buying a car from Bentley Group offers preferential loan terms, but the designated bank is Chengxin Bank. Chengxin Bank then packages these loans into wealth management products and sells them, quickly recovering the funds. Both the bank and Bentley Group profit. This model has made many banks and car groups envious!

Unfortunately, not everyone can learn this; it requires a consensus and profit-sharing between the bank and the automotive group. Even members of the same consortium will not compromise when it comes to interests, and disputes will inevitably arise. Today, Credit Suisse has changed. Although it hasn't yet spread throughout the entire United States, its expansion is accelerating. At least in line with Bentley's sales and 7-Eleven's expansion, its assets have doubled.

Although Chengxin Bank is still a junior compared to those giants, its funds are very healthy, which is a big problem. If things continue like this, Chengxin Bank will soon make further progress and continuously narrow the gap with giants like Morgan Stanley, which is what they are most worried about.

Banks are the foundation of all financial groups, and the expansion of Chengxin Bank has aroused the suspicion of many, including Morgan, Rockefeller, and Lehman Brothers. As the situation escalates, their concerns have intensified, and Chengxin Bank has begun to leave the United States, establishing a branch in Mexico.

If all the financial companies John controlled were combined, their assets would be staggering. The assets of Hurricane Investment remain a mystery to this day; even Morgan and Rockefeller, through their probing, have failed to ascertain its true extent. The assets of Pacific Investment in Asia are also a secret. Add to that Integrity Bank and East West Bank, and they are absolute giants in the financial sector, so no one wants to see them continue expanding.

John and Morgan quickly reached an agreement. With Morgan involved, John naturally wouldn't refuse his "goodwill." This acquisition also pleased Morgan. John's funds were depleted. This time, John didn't borrow from Japan but used his own funds.

"Jimmy, why do you think John, that little fox, values ​​a hospital so much? What's his motive behind it?"

“Boss, I’m not sure either, but his rejection of the Rockefeller representative tells me he must have more to his mind. It’s impossible that he’s only thinking about the security company. Maybe he’s targeting all the employees of his companies. I heard from Japan that John’s Mandarin Oriental Group has built a lot of resort hotels there, supposedly as employee benefits. Could this hospital be the same?”

"It's certainly feasible. With the number of employees John currently manages, he can definitely support a decent medical company. If this is his plan, once it's completed, poaching people from John's company won't be easy, and such benefits will garner more loyalty. Perhaps this guy really wants to connect all the companies into a powerful conglomerate, a conglomerate without any weaknesses. Perhaps this also explains why this little fox accelerated the expansion of Integrity Bank. Lehman Brothers, that bastard, ruined us all. If it weren't for their stupid actions, things wouldn't have become so dangerous."

In the eyes of Morgan Stanley, it was all Lehman Brothers' fault. It was precisely because of the fierce battle between Hurricane Capital and Lehman Brothers that Chengxin Bank expanded so rapidly, with funding coming from compensation from Lehman Brothers. More trouble than it was worth – that wasn't Morgan Stanley's opinion of Lehman Brothers.

"Boss, we've completed the cooperation with John. Will Rockefeller and the others have a problem with us? Will they blame us for not consulting with them and reaching an agreement with John alone?" Jimmy still had some worries, especially about those old guys like Rockefeller. After all, they made the decision together, and now Morgan has succeeded while Rockefeller is still unsuccessful! This situation was enough to make those old guys furious.

"Blame us? What does that have to do with us? They didn't offer John satisfactory terms. Paramount Pictures wasn't enough to sway that little fox. We've done everything we could. We can't let their lack of 'sincerity' prevent our cooperation from succeeding." Morgan paused, shaking his head slightly. "Jimmy, how do you think that little fox John will connect all the companies? I always felt he wanted to link them all into a single entity, a new conglomerate, but I couldn't figure out its core. While banks are important, Honesty Bank's strength is still insufficient!" "Boss, do you think it's possible that John's conglomerate isn't based on banking?"

Upon hearing this, Morgan frowned and said, "Jimmy, what's your opinion?"

"I think John's approach at Chengxin Bank is to follow the path of a savings bank, and Hurricane Capital is also shifting towards venture capital. Overall, they are all seeking stability. Technology is the core of the conglomerate, and Dreamworld and Nvidia are good examples!"

"That makes some sense, but it doesn't hold water. Dream World and Nvidia will definitely go public, so it's impossible for them to be the core of the conglomerate. If we're talking about the core of their technology, it might be Bell Labs, which isn't that powerful yet. Judging from John's performance, it's clear that Bell Labs won't go public to raise funds! However, what you said has given me some insight. We at Morgan are primarily a bank, but John has made a change in this regard. We are the banks that support businesses, but in John's case, it's the opposite—businesses support the banks. The development of the Bentley Group has benefited Chengxin Bank, and the expansion of the Southern Group has provided Chengxin Bank with a steady stream of cash flow. Add to that Dream World, Nvidia, and Game World, and all of this is supporting the bank. Their banking business is handled by Chengxin Bank!"

"Going against the grain, is this John's scheme? With so many companies' cash flow, how come Integrity Bank's funding has always been so healthy, impervious to any shocks? Wait, boss, John's companies' development has all been financed through loans from Neon Bank. Where did the funds from Integrity Bank and East West Bank go? It seems we haven't been paying attention to the funding situation of these two banks!" Suddenly, Jimmy realized that this little fox, John, had been borrowing from Neon Bank all along, and the flow of funds from Integrity Bank and East West Bank hadn't been monitored!

"Damn it, we made a really stupid mistake that we shouldn't have made. It's not just Morgan Stanley; the whole of Wall Street made the same mistake. Honest Bank has always kept a very low profile, and as a privately owned bank, everyone has overlooked its cash flow. Honest Bank's funds are healthy, that's true, but its cash flow seems to have been ignored. Investigate! Investigate the cash flow of these two banks! Who exactly did they lend to!"

"Boss, perhaps this explains why John's Quantum Mining has so many covert operations. Some of the funds from these two banks may have flowed into Quantum Mining!"

"That's possible. If so, our understanding of quantum mining is still insufficient. The layout we've discovered so far is only a part of it. If all that capital had flowed into quantum mining, it definitely wouldn't be at its current scale. Perhaps that little fox John has even more plans hidden in the shadows. Of course, we can't rule out the possibility that the funds from those two banks have flowed into other industries, since we don't currently know anything about the flow of funds between those two companies!"

Everyone focused their attention on the expansion of John's various companies, neglecting the flow of funds between Honesty Bank and East West Bank. After all, these were just two small banks with limited capital. However, they forgot that all of John's companies' funds went through Honesty Bank, so the funds of this small bank were not as simple as they seemed.

Is it possible to trace the flow of funds between Chengxin Bank and East West Bank? It is possible with a huge investment of funds and human resources, but it would be a losing proposition. Moreover, they might not be able to trace everything clearly. Most importantly, if the funds flowed overseas, the information that can be found would be limited.

Impressive! At this moment, Morgan was shocked by John's arrangement and by the secrecy surrounding Honourable Bank and East West Bank. Although Morgan desperately wanted to understand everything, he quickly calmed down from his shock, shook his head, and said, "Forget it. Even if we use more manpower to search now, we won't get much out of it. It's too late. Our reaction was too slow. The other side has already cleaned everything up. Wasting so much time and energy will only uncover a few clues at most, which won't be of much use to us!"

(End of this chapter)