How to start a bank

如何创办银行

Planet Money

商务

2025-03-08

25 分钟

单集简介 ...

In some ways, starting a bank is a lot like starting any other business. Who will you hire? Where will you be located? What color will the couches be? But it's also way more complicated. There are tons of regulations on banks–and you can understand why. Lots of new businesses fail. But if a bank fails, it can have ripple effects for the entire economy. Today on the show, a baby bank is born. We go along for the ride from idea to ribbon cutting as a community bank gets off the ground.This episode of Planet Money was produced by Emma Peaslee and edited by Katie Mingle. It was fact-checked by Sierra Juarez and engineered by Cena Loffredo. Alex Goldmark is our executive producer. Find more Planet Money: Facebook / Instagram / TikTok / Our weekly Newsletter. Listen free at these links: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts. Help support Planet Money and hear our bonus episodes by subscribing to Planet Money+ in Apple Podcasts or at plus.npr.org/planetmoney. Music: NPR Source Audio- "Numbers Game," "Smoke and Mirrors," and "Lets Start A Movement" Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy
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单集文稿 ...

  • This is Planet Money from npr.

  • So, Sally, you've spent the last six months or so talking to these two women in Columbus,

  • Ohio, who've been doing something that in today's world is kind of rare.

  • Yeah.

  • They have been in the process of starting a bank.

  • And I gotta say, like, I barely knew that was something you could do.

  • Right?

  • Like, where are you gonna even go to get, like, big, gigantic marble columns?

  • What, you're gonna go to the quarry?

  • Where are you gonna get your.

  • Where are you gonna get your.

  • With the tourney thing on the front of it?

  • And where do you get all your big stacks of cash to put in that vault, Erica?

  • I wanted to find out.

  • You're in the secret tunnels of the.

  • Bank that is the bank CEO, Hilaria Rawlins.

  • The bank is called Fortuna, named for the Roman goddess of fortune.

  • The two of us are standing in one of the bank's back hallways, AKA secret tunnels.

  • Speaking of that, where is the money?

  • Yeah, I cannot tell you where the money is.