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After Zhou Tian finished speaking, he thought of another question and continued: "In addition, if possible, we must try our best to obtain the consent of the governor and obtain a license to enter the banking industry."

"If we can obtain a banking industry license, we will not only improve efficiency in the use of funds in the future, but also reduce a lot of risks. As our overseas industries increase, capital transfers will become more and more frequent, and the amount will also become larger and larger. Then scattering funds on tens of thousands of personal accounts and some Anliang Trading Club branches will be extremely inconvenient in transferring and using funds."

"Although we turn some of the funds in our hands into hard currency, machinery and other physical objects, the total amount of funds we have remained too large. Moreover, although we have carefully distributed funds in other banks, due to the general instability in the banking industry after the outbreak of the crisis, some of our dispersed funds are still in trouble with increasing deposit risks."

"Also, transferring funds through other banks is not only difficult to keep confidential, but also requires high handling fees. Take Citibank, the United States, for example, they now charge more than 10% of the amount of transfer funds for each transaction between China and the United States, which is higher than the current annual loan interest rate."

After hearing what Zhou Tian said, Zhao Zhenzhong thought about it and said, "It seems that it is imperative to establish our own financial center. However, can we solve the problem of two major issues of banking and shipyards be solved by raising the governor at once?"

"These two problems do not exist in isolation, but are closely linked." Zhou Tian analyzed with a smile. "Acquiring and revitalizing shipyards can increase employment in New York State and increase state government tax revenue. In the current economic situation, I think the governor will make a wise choice. If we want to acquire and revitalize shipyards and provide sufficient funds for their subsequent normal operations, it is impossible to do without firm and reliable financial support. But after the crisis broke out, the bad situation in the US banking industry was there, and it is natural for us to propose to start our own bank. Moreover, the banks we founded are not just for the service of shipyards, but also provide financial support for several other companies. These may increase employment opportunities for New York State people and create tax revenue. Besides, what we are doing now is normal business activities, and we try our best to avoid the impact of the Chinese Exclusion Act, which is not contrary to the current laws in the United States. I think the possibility of Mr. Governor agreeing is still very high."

"It seems that you have a lot of confidence." Zhao Zhenzhong smiled, "I hope we can get a good result through this party."

At noon on the 24th, Zhou Tian and his friends rushed to Roosevelt's home in downtown New York according to the address stated in the invitation yesterday, according to the address stated in the invitation, and brought the prepared small gifts to Roosevelt's home in downtown New York to attend a family gathering from afternoon to evening.

However, after arriving at Roosevelt's house, Zhao Zhenzhong did not see this person who would play an important role in American history in the future. After the explanation of the governor's wife Eleanor, Zhao Zhenzhong and others learned that the governor is still handling official duties and will not come back around the evening.

For the Roosevelt family, Zhou Tian, ​​Li Yunlan and Zhou Hao were familiar to them before, but Zhao Zhenzhong, the new "future brother-in-law" that he had heard from Zhou Hao before, made Roosevelt's children a little curious.

Roosevelt's eldest daughter Anna simply pulled Zhou Tian and Li Yunlan aside and didn't know what was muttering. However, seeing the three of them glancing at Zhao Zhenzhong and Zhou Tian's blushing face from time to time, they probably must be polite to him. Zhao Zhenzhong and Zhou Hao were dealing with some strange questions raised by the two naughty ghosts Franklin and John. Overall, Zhao Zhenzhong and the governor's family got along well.

At around 4 pm, after Roosevelt returned home, everyone naturally exchanged greetings. Afterwards, Zhou Tian took the opportunity to explain to Roosevelt the difficulties they were facing now, hoping to get some help.

After listening to the question Zhou Tian said in the study, Roosevelt pondered for a while and said, "My child, I have also heard of your Huamei Investment Company. A few days ago, I saw reports on the cooperation between the company and the Rockefeller Consortium in the fields of oil and medicine in the newspaper, and also saw Rockefeller's bids on the oil fields and investment in drug development. If only from the perspective of economic strength, your Huamei Company can indeed acquire shipyards and open banks. However, because there are still some bad situations in the US law, there are many difficulties in realizing these two requirements."

"Your Chinese company is basically composed of Chinese people who have obtained American nationality, and the workers are mainly Chinese. However, these Chinese people who have obtained American nationality are not all permanent residents in New York State. This will be a big obstacle for you to realize the two plans mentioned just now. The members and gentlemen of New York State are unwilling to see the increase in the number of unemployed people in New York State due to the Chinese company. After all, they still have to protect the interests of the people in New York State."

"Uncle Governor, the reason why our company has more Chinese is to facilitate management and save some expenses, not to discriminate against other people. Moreover, among the textile and food companies that we have started working for a few years, there are still many local workers in New York State. Moreover, if we can acquire shipyards and set up banks, most skilled workers in the shipyard will be retained. After all, these are very technical industries, and Chinese workers cannot afford it. This is conducive to expanding employment for New York State people and increasing state government tax revenue." Zhou Tian explained.

"But if there is only one shipyard, it may be difficult to satisfy the congressmen and gentlemen. My child, you know that the New York State Government is not the only one who has the final say, and there is a lot of involvement in this." Roosevelt pondered.

"But Uncle Governor, if Huamei Company cannot even acquire shipyards or establish a bank in New York, a state with developed and commercial openness, how can we continue to invest here? Without investment, there will be no increase in workers' employment opportunities and increase government tax revenue. But if our company realizes the two things of acquiring shipyards and opening a bank, there will definitely be other investments later." Zhou Tian explained, "No more, the millions of tons of wheat, cotton and other materials purchased by our Huamei Company for Zhenzhong have brought many job opportunities to New York State in warehousing, transportation, etc. If we can buy shipyards, build fleets, and transport goods from abroad, this will definitely improve the employment and tax situation of New York State."

Roosevelt did not answer immediately, but weighed the pros and cons.

"Mr. Governor, although Huamei Company acquires shipyards and starts a bank, it will make some gentlemen in the state legislature feel uncomfortable, but this is indeed a good way to increase employment in New York State and increase government taxes." Zhao Zhenzhong interrupted, "China has suffered severe wars and natural disasters in recent years and needs a large amount of imported materials. Although the current Chinese government is unable to solve all the problems, some of our merchants can provide a lot of convenience to purchase surplus materials from the United States to China. New York is close to the futures exchange, coupled with convenient railway and sea transportation, and shipyards that can build ocean-going ships are undoubtedly a good choice for exporting materials."

"Of course, if the gentlemen in the New York State Assembly would rather bankrupt shipyards or other industries, turn available equipment into scrap iron, and leave many workers unemployed than let Huamei acquire it, then I think Huamei can only give up the New York State and go elsewhere to seek help that can solve the problem. However, I think that is a regret and a loss for Huamei and New York State."

"My child, what you said is indeed very reasonable. I don't think there will be too much obstacles in acquiring shipyards, but there will be a lot of objections in opening a bank. After all, this crisis has caused many banks to go bankrupt, and you have no experience in the banking industry before. If I permit you to start a bank, I will not only be irresponsible to depositors, but also be attacked by the gentlemen of the state assembly." Roosevelt said.

"Uncle Governor, we won't cause trouble for you." Zhou Tian smiled, "Experience is accumulated slowly, and no one can be born with it. I think if possible, Huamei Company can start its own bank by acquiring banks. In addition, except for Chinese, we can start an investment bank without seeking the qualifications of deposit and loan business for ordinary people." Zhou Tian had no choice but to settle for the second best.

"If it is an investment bank, the problem should not be big. After all, Huamei was originally an investment company, and I heard that its performance since its establishment was pretty good." Roosevelt nodded and then asked: "However, why do you have to include Chinese deposit and loan business in the business scope of the bank after its establishment?"

"Uncle Governor, there is a reason for this." Zhou Tian explained, "In this crisis, many Chinese Americans' life savings in banks have become shattered with the banking of some banks. Huamei Company will include Chinese in the business scope after establishing a bank in the future, in order to provide them with a relatively safe savings place. After all, everyone is Chinese. Due to traditional habits and language reasons, it will be easier to communicate in thought and reduce many unnecessary problems."

Roosevelt pondered for a while and smiled, "Children, although I have different opinions on some of your statements, I will try my best to get you the relevant licenses when it comes to acquiring shipyards and opening an investment bank. However, everything must be done in accordance with the laws of the United States and New York."

"Uncle Governor Don't worry, all our actions in the United States will not be contrary to the law. We will not do anything that damages your reputation." Zhou Tian promised with a smile.

After talking about the matter, Roosevelt looked at Zhao Zhenzhong and smiled and said to Zhou Tian: "Is this the fiancé you chose? You have a good vision. The young man is very energetic and has a good temperament."

Zhou Tian nodded with a blushing face.
Chapter completed!