Monday, April 1st, morning, good mood, Miyako Miyamoto's office.

Miko Miyamoto, Hirohime, Maya Tachibana, Kaka Asai, Takako Fujii, and Misa Horiuchi sat in their respective seats around the desk, Midaiko and Yamazaki stood to the left of Miyamoto Miko, and Captain Yamaguchi stood on the left side of the desk.

Mimiko Miyamoto said, "Okay, Misa, you can start." ”

"Yes, ma'am. Misa Horiuchi stood up, "There is a problem with the current problem of the Golden Yao Department, that is, the high interest rate of the five-year six, compared to the interest rate of other banks, which has fallen to three or even two, we are one to three times higher, and due to this, the five-year deposit amount of the Takusan Bank has risen rapidly. ”

"Forty percent of the funds in the hands of the bank are now in reserve, and sixty percent are used for loans and investments, and we do not use multiple loans and financial leverage, and since the 911 incident, the global financial market as a whole has entered a downward phase after a slight rise, and it is expected that this year's earnings will only be about ten, after deducting necessary taxes and expenses, I am afraid it will be a deficit. ”

"Although from the perspective of competition intensity, the six major consortiums have shown signs of recovery, and the domestic financial environment will improve, one or two more points, and it is possible to rise to eleven or even twelve, but the prospects are not very clear. ”

"If you think it's necessary to continue, I wonder if it's possible to separate the trust department of the bank to reduce the cascading losses. ”

"The investment funds of the extension bank are controlled by the extension trust department, and are transferred to me through the guarantee of the good mood bank, and the scale of the funds is sixty percent of the sixty percent, one percent is personal, including personal asset trust and external wealth management products; two percent is the working capital of the various clubs in the consortium, and the bank uses it to invest at the same time, the club can still spend, and then settle in the end; two percent is the funds of the harvest insurance; two percent is the funds of Yamamaru Securities; three percent is the loan funds obtained by the clubs in the consortium with some fixed assets mortgaged to the extension bank, which is to change the tax type to avoid taxes。 ”

"First, the six major consortia are more time-honored than ours, and secondly, we have set a higher threshold for clubs, in addition to investment, in loans, trusts, insurance, securities, bonds, and all aspects of business are far inferior to the six consortia, basically helping themselves, the purpose is to complement and avoid taxes. ”

"While high interest rates can provide ample investment capital, high interest rates are also a high burden. That's all I have to say about the exchange rate. ”

Mimiko Miyamoto asked, "Is the interest rate really high? What is the current yield of our half-year external wealth management products?"

Misa Horiuchi said: "We do external wealth management products such as Tatsusan Bank, Yamamaru Securities, and Fengsan Insurance, and the current half-year yield of wealth management products is six to eight, but this account can't be calculated like this." ”

Miyamoto Miko smiled: "No matter how you calculate it, all in all, the investment is still profitable, and it is higher than the savings interest rate, you have to admit it." ”

Misa Horiuchi said helplessly: "Yes, I admit it." ”

Miyamoto Miko said with a smile: "You can rest assured, the international financial market, at least the American financial market will not be like this, because in this case, those guys on Wall Street will earn less, and they will not be satisfied with eight or nine percent, twenty percent, thirty percent, or even one or two hundred is what they want." ”

Misa Horiuchi said, "That said, it didn't happen overnight. ”

Mimiko Miyamoto said: "This is very simple, we will stop the external financial products,"

"What?" Misa Horiuchi was taken aback.

Miyamoto Miko asked, "Let me ask you, is it a wealth management product with high risk, or a savings with high risk?"

"Of course, it is a wealth management product, and there are many wealth management products that have failed due to the 911 incident, which is the main reason for the increase in our savings. ”

Miyamoto asked, "So, do we get more income from external wealth management products, or do we get more income from savings to loan reinvestment?"

Misa Horiuchi said: "Of course it's the latter, although there are handling fees, management fees, etc., but we take them ourselves, but the external wealth management products are another income, which is more." ”

Miyamoto asked, "If we stop the external wealth management products, then the principal will be returned to the customer, so what do you think they will do with it?"

Misa Horiuchi said, "I think I'm going to invest in another company." ”

Miyamoto Miko smiled: "Other families have nothing to do with us, that is, we don't have to work hard to get income for these funds, on the contrary, we can reap an extra income from them." ”

Misa Horiuchi thought for a while and said: "That's okay, but the business of Yamamaru Securities is basically an external financial product, and we are not a rival at all in the issuance of securities." ”

Mimiko Miyamoto said: "Then build Yamamaru Securities into a service platform that makes a living from fees, and update the news in a timely manner with the news of the Tsukiyobu, plus consulting, investigation, evaluation, accounting and other businesses, even if there are no other customers, I think it is enough to serve ourselves alone." ”

Misa Horiuchi said, "Yes, it's definitely enough. ”

Miyamoto Miko said, "So, you go ahead. ”

"Yes, ma'am. "The task of the Kim Yao Ministry next year is to continue to improve e-finance, and due to the impact of mobile phone call services, the e-finance business has increased significantly. ”

"The other is the problem of the use of the transportation card in different places, because when the customer deposits the money into the card, before the customer withdraws the money, the recipient can use the money to invest and generate a certain income, so where the money exists is an important problem, so it gave birth to hundreds of transportation cards in the country, the current transportation card industry is the Warring States Period, and the government decree does not come out of its own side. ”

"The six major consortia let us and them come forward together to take the lead in setting up a settlement organization by the state, and the expenses are more than the cards that are used in different places. ”

"To be honest, from our evaluation report, the project is not very good, for most people, travel is only occasional, and the transportation card is for work and school, and it is limited to one place. ”

"Finally, there is the problem of the Wizarding World game, where there are still more than 70 billion yen left in the exchange of game currency, and the project of lending money to players cannot be carried out due to the uncertainty of the future. That's all I have to say. ”

Mimiko Miyamoto said, "Please be seated, next, Takako." ”

"Yes, ma'am. Takako Fujii stood up, "The problem with the Kiyobe is the manufacturing standards, and we will upgrade the various manufacturing standards within the consortium according to the standards that the Hoshu Company will provide, and eventually form a higher-end system." ”

"Huo Xiu Company will provide hundreds of production lines covering two products of aircraft and helicopters, from basic materials such as steel and coatings to electronic components, bolts and nuts and other parts, from instruments, instruments and other components to control systems, flight systems and other systems, from the fuselage, wings and other parts to the assembly of the whole aircraft. ”

"Although our own standards in some areas are not worse or even better than Hotheau's, but on the whole, the industrial level under Hoshew's standards is higher than ours, and the general parts of these production lines can be used in a variety of places to help us improve the overall industrial level, but it is simple to say, but it is very complicated to do, involving various machine production speeds, personnel training time, replacement costs, etc., we want to absorb and integrate Hothew's standards into our standards, it will take quite a while. That's the matter of standards. ”

Mimiko Miyamoto smiled: "It's okay, we make money from finance and services, you take your time." ”

Takako Fujii said, "Next year, the focus of the Kiyobu will be to establish a car rental network, and we will be able to build a nationwide car rental network by replacing the cars that employees have through the Hiromi Group, and relying on the parking lots in each region." ”

"In addition, we had planned to acquire the Chiba Kita Main Railway to communicate Narita Airport, the Nagano Shinano Railway to increase its influence in Nagano Prefecture, and the Hainan Railway to upgrade the track width to a standard gauge so that the train could run from Shikoku to Osaka, but the plans were all put on hold, and the construction of the Kanagawa Hayama Airport and the affiliated railways is expected to be delayed for an unknown length of time;"

"Finally, from today onwards, Kansai International Airport is ours, and the Guangmei Air Alliance, which was led by the Guangmei Group, has signed a contract with us. That's it. ”

Miyamoto Miko said, "Please be seated, next, Axiang." ”

"Yes, ma'am. Asaika stood up, "The problem with the Mizuyobu is that there is a lack of funding, we have already unraveled the genes of the two linear viruses Ebola and Marburg, and started to create therapeutic drugs, but the treatment drugs are limited, what we need is immune drugs, and we are working on the human immunodeficiency virus, which will add up to at least a billion dollars." ”

Miyamoto Miko said, "Yes, you can submit an application report later." ”

"Thank you, ma'am. "Currently, we have cultivated artificial skin using genetic technology, which is expensive but a boon for patients who need skin repair, such as burns and scars. ”

"Also, we used cocoons to make exoskeleton prostheses to help conscious but paralyzed people, but they were limited by the energy system, we also used cocoons to wake up a male vegetative person, and some can appear in the game but never wake up in reality, but it is comforting to finally be able to communicate with people in the game. ”

Speaking of this awakened person, his experience is quite bizarre, he was stabbed in the brain with a steel needle on the plane, saying that it was to cut off his nerves, so that he was trapped in his mind, conscious but unable to control the body, just like seeing a castle in the air and not finding the way up, but the person who did it only tried on the dead, and did not recognize the instinctive reaction of the body after the injury of the living person, and the result only made him fall asleep, and woke up after being stimulated by the cocoon. ”

"Finally, there is the issue of production capacity for medical supplies and medicines, and in order to meet Zayir's needs, we need to expand production and reduce costs. That's all I have to say. ”

Miyamoto Miko said, "Please take a seat, next, real night, but Zayer's question will be discussed later." ”……