Xiao Zhumei said in surprise: "Are you serious?"

Fu Song hesitated for a moment and said, "It depends on the situation."

He still has a lot of spare money now. If he doesn't find a good way out for this money, the longer he keeps it in his hands, the more depreciated it will be.

If the money is so much that it is really a string of numbers and waste paper. For him, the preservation and appreciation of money is more important than the money itself.

In addition to mineral resources, the most valuable asset in the world is land assets, especially real estate in prime locations.

The building at the foot is located in Manhattan Financial District, with Pine Tree Street to the north, William Street to the east, Wall Street to the south, and Nassau Street to the west.

Surrounded by numerous buildings, the Federal Hall National Memorial to the west, the New York Bank and Trust Company Building to the east; the Chase Manhattan Bank Headquarters Building to the north; and the J.P. Morgan Headquarters Building to the south.

Therefore, the building is in a very good location. Although it seems to be a hot potato now, it is because no one is willing to spend money to renovate it. As long as it is renovated properly, it will definitely add a lot of value. Even if it can't be sold, it's OK to keep it in your hands for rent.

When they arrived at the office, Fu Song went directly to Catherine.

Catherine had been here for a while and was sitting and looking at today's Wall Street Journal. When she saw Fu Song coming in alone, she looked at the next door, threw down the newspaper and stood up and asked, "Where is Victoria?"

Fu Song closed the door casually and said, "She has some small matters to deal with, so come over immediately."

"So, we'll be alone for a while next?" Catherine walked up to him, reached out to pick up his tie, then slowly wrapped it around her fingers, and finally pushed her fingertips against his chest.

"If you do this, your tie will wrinkle." Fu Song looked down at her blue eyes, but he did not mean to stop her.

Catherine bit her lower lip lightly, and her hands became more and more forceful. Fu Song felt like a cow, and she forced her to drink water.

However, the water is delicious, fragrant, and has a bit of sweetness.

Fearing that Xiao Zhumei might push the door in at any time, Fu Song was so nervous that he was so nervous that he could not bear to push Catherine away.

Just as Fu Song was getting better, he suddenly felt a pain in his lips, and then Catherine broke away from his arms and turned back to the chair to sit down.

"Please sit down." Catherine seemed to have nothing happened, but the blush on her face betrayed her.

Fu Song touched his slightly numb lips, glared at her fiercely, and then sat down on the sofa next to him.

Katherine smiled slightly: "I plan to go to the south to inspect work in early May, where are you?"

Fu Song understood and said, "If I were going to inspect the farm, I would go."

"Of course!" Catherine smiled so hard that her eyes were bent. "In the company, Victoria and I have a clear division of labor. I am mainly responsible for agricultural production and investment, and she is mainly responsible for transportation and logistics."

Since she was going to inspect the farm, Xiao Zhumei would not go, and the company could not do without people. She and Xiao Zhumei had to leave at least one of them in the house.

So, at that time, they can go to the south together openly, fly together, and enjoy...

The two looked at each other and smiled, everything was silent.

Katherine picked up the phone and asked, "What to drink?"

Fu Song said: "Tea."

Katherine said to the phone: "Melin, two cups of tea, no, one cup of green tea, thank you."

Soon, her secretary Meilin brought tea, and the two of them were waiting for Xiao Zhumei while drinking tea and chatting.

After chatting about a few nonsense like the good weather in New York, Xiao Zhumei came from next door, and then the three of them started to do the important things.

KV has developed quite well in the past two years. Taking advantage of the aftermath of the Great Depression of the United States in the 1980s, it has acquired many bankrupt farms in the southern United States.

By the end of last year, KV had owned nearly half a million acres of land, covering more than a dozen states in the United States.

Five hundred thousand acres are equivalent to three million city acres, two hundred thousand hectares, and two thousand square kilometers. If put together, it will be a rectangle of 40 kilometers x 50 kilometers.

Most of them are unused wasteland, and of course, wasteland is not without output.

For example, livestock can be raised on some wasteland, hunting grounds, fishing grounds, or some ecological tourism. This part of the income can basically ensure the maintenance costs of the entire land, including real estate tax.

Some wastelands have also found mineral resources such as oil and gas. If mining, it requires application for procedures. It is both costly and laborious, and the input and output are disproportionate. The best way to deal with it is to sell the prospecting rights and mining rights to mining companies.

In addition to the wasteland, there are nearly 200,000 acres of farms. If KV company hires workers to farm so much, the cost is too high. So like many agricultural enterprises, these farms will be rented back to bankrupt original farmers to continue to operate.

The advantage of this is that KV companies do not need to have employment relationships with farmers (such as the relationship between a group and a rider), but can also pass most of the business risks onto farmers.

At the same time, KV company has also made different layouts in the upstream and downstream of the industrial chain, integrating planting, processing, warehousing and logistics, and sales.

Of course, due to the short establishment of KV company, there is still a lot of work to make up for in terms of industrial chain layout, such as scientific research, agricultural supplies, agricultural finance, deep processing, etc.

This is also what Catherine suggests to strengthen in the future, the primary target of agricultural finance is the agricultural and financial field, because this is a key link in the layout of the industrial chain.

"So you plan to open a bank by yourself?" Fu Song was shocked by their majestic plans.

Katherine said: "KV company rented the farm back to the original farmer, not the annual rent, but to buy agricultural products from the farmers.

So it is not enough to just rent the land to farmers, and you also have to help farmers solve the financing problem. Instead of letting other banks make this money, it is better to do it yourself."

Farming requires seeds, fertilizers, agricultural machinery, fuel, etc. These materials require money to buy, but most family farms in the United States do not have so much spare money.

Generally speaking, we first apply for agricultural loans from commercial banks, wait until the agricultural products are sold before repaying the loan, and then it will continue year after year.

Therefore, most family farms and small agricultural enterprises in the United States are actually working for banks.

But even so, American farmers are already the happiest farmers in the world. At least American farmers can borrow money from banks, and in the end, they can file for bankruptcy even if they can't pay it back.

When buying seeds, fertilizers, pesticides, mulch films, etc., you either take a face to borrow from your neighbors or relatives or friends, or go on credit. Credit is more expensive than buying with cash, and the extra part is much higher than the interest rate for bank loans.

Niluzi wants to go to the bank master to apply for a loan? Don’t be funny, the bank master only loves real estate and large enterprises, and even small and medium-sized enterprises are disdainful.

The mud legs are full of things, the land is not your own, and the homestead is not your own. Only the strength of the body and the broken house on the homestead are your own.

Loans either require collateral or credit. The bank master looks down on the broken house at all, and he doesn’t even look down on the strength of the Mu Le’s body. Without collateral, how could the bank master give you a loan?

The fundamental reason why American agriculture is developed is definitely not large-scale mechanized production, so this thing can only fool lay people.

The fundamental reason for the development of agriculture in the United States is the strength of the entire agricultural system. The scientific research, capital investment, social services, and high subsidy policies in agriculture are the best in the world. How can it be underdeveloped?

The US finance has a very high penetration into agriculture, and its capital and finance are well developed. From the source of agricultural production to sales, finance can be seen.

Even Fu Song had to admit that Catherine's suggestion was correct, especially in the United States, it was inevitable to deal with finance, and it was impossible not to deal with it without wanting it.

However, Fu Song was a little hesitant and said: "The banking industry in the United States is now in a recession. I heard that nearly 2,000 banks have been closed in the past ten years."

Katherine smiled and said, "It is said that the federal government is discussing the end of the single banking system. If it is true, then there will be a wave of bank acquisitions and mergers in the future.

Glenn, now is our opportunity, we only need to spend a small price to acquire some good small Agricultural Bank and then in the future, we can form a national commercial bank!”

The so-called single banking system, also known as the exclusive banking system, prohibits or strictly restricts the establishment of branches of commercial banks.

The United States currently implements a single banking system. Because commercial banks are not allowed to set up branches, there are a few more banks in the United States, with more than 20,000.

Fu Song rolled his eyelids and said, "It's a very small price? How small?"

When KV company only had 100 million US dollars, Catherine dared to buy all 80 million of them for land. She was very brave, so Fu Song always had to discount her words.

Catherine immediately inspires her to be honest: "Victoria and I have already discussed that we can acquire small agricultural banks at the beginning, such as Kansas, Oklahoma, Nebraska and other places, many small agricultural banks are on the verge of bankruptcy, and they can basically get it for 10 or 20 million US dollars."

Fu Song said in surprise: "American banks are so cheap?"

Xiao Zhumei nodded and said, "Don't compare domestic banks with American banks. American banks are all private banks, and small banks with assets below $100 million account for the majority."

Seeing that Fu Song's attitude was loose, Katherine quickly struck while the iron was hot: "Glenn, any business model will eventually move towards finance. If KV agricultural companies want to grow and grow, this link of finance is essential, isn't it?"

Over the years, Xiangjiang United Bank has allowed Fu Song to experience the benefits of owning his own commercial bank, so he agreed without hesitation.

However, in order to prevent Catherine from taking action first and then reporting again, he made a request: "You make a budget first, and I'll talk about it after reading it."

"Okay, I'll give it to you as soon as possible!" Catherine felt that as long as she could achieve her goal, not to mention making a budget, it would be fine even if she recommended her pillow mat.

Fu Song said in a warning tone: "Don't go too far, otherwise I won't approve a penny! By the way, how much does the company still have?"

Catherine and Xiao Zhumei looked at each other, spread their hands and said, "It's gone."

"It's gone?" Fu Song was stunned, "What does it mean to be gone? I remember not long ago, didn't I give a sum of 500 million US dollars?"

Katherine complained: "If I remember correctly, you have not invested a penny since the establishment of KV company."

Fu Song sneered: "The 500 million US dollars I made in oil futures the year before yesterday, isn't that money?"

Catherine blinked her blue eyes and said, "Glenn, that's Victoria's money, not yours! Besides, the $500 million has been spent, and the company still owes 60 million in loans."

"What? Has the 500 million US dollars been spent?" Fu Song thought he had heard it wrong and said angrily: "You spent 500 million US dollars in two years and still owed 60 million yuan in loans?"

Katherine shrugged and said, "The 500 million US dollars seems to be quite a lot, but it's not a big deal at all. If you give me another 500 million US dollars, I can spend it for you in a year."

Fu Song didn't want to pay attention to this prodigal girl, so he quickly turned his head to look at Xiao Zhumei, and Xiao Zhumei said innocently: "What do you think I'm doing? Buying land, buying boats, building warehouses, and buying ports, where are you not going to pay? It's really all spent."

Fu Song almost spit out his old blood and said excitedly: "You buy this and that, why didn't I hear any news? You actually hide it from me, the major shareholder!"

Xiao Zhumei said aggrievedly: "Didn't you say that this money will be free to me?"

"I..." Fu Song choked by her. He seemed to have said this, but it was $500 million, not five dollars!

Xiao Zhumei was actually a little excited. She was really happy when spending money, but after spending the huge sum of money, she became worried about gains and losses and never dared to tell Fu Song.

Two days ago, I wanted to make Fu Song happy before talking, but every time she was like a wolf seeing flesh, she felt weak all over when she only smelled the smell of his body, and she was just trying to calm the fire, and she had already thrown this matter out of the sky.

Fu Song looked at the careful Xiao Zhumei, and then at the calm Catherine. He didn't know what to say for a moment.

If someone else dared to fool him like this, he would definitely let them get out of bed!

But he is facing Xiao Zhumei and Katherine now, but he can't say such words.

He can't beat him or scold him or scold him. This is the biggest disadvantage of involving a woman in his business and he has been trying to avoid.

Originally, he did a good job in China, and neither Chu Linlin nor Shen Hong were "invited" from the Vision Group, but he capsized in the gutter abroad.

Seeing Fu Song's face was calm and silent, Xiao Zhumei felt even more panicked and said stutteringly: "If you don't want the bank, just forget it..."

"Forget it?" Catherine looked at her dissatisfiedly, "Victoria, haven't we reached an agreement before? How could you give up halfway!"

Xiao Zhumei felt so angry that she was so angry that you stood up and didn’t feel pain in your back. If you make him angry, you can pat your butt and leave. Can I do it?

Catherine knew that it was useless to blame Xiao Zhumei now. Not only could she not blame her, she also wanted to continue to form a united front with her, because even she admitted that Xiao Zhumei's words were more effective than her own.

So he turned to Fu Song and said, "Glenn, I admit that Victoria and I spent a lot of money in the past two years, but I can swear to God that we both did not spend a penny indiscriminately, and both spent money on the key points."
Chapter completed!