Huge surprise completely surrounded Xiao En, his eyes burst out with emerald green light, flickering, bling bling, old man Shen Bi just rolled his eyes.

After silently cursing a few words, Shen Bi turned his head away, what a villain!

Sean really didn't expect that his bank would suddenly be so valuable!

He has been tossing for so many years, and this is the first time he sees money back!

The days of misery are finally coming to an end!

Tears filled my eyes!

Excitement, joy, a burst of bitterness, welling up from the bottom of my heart, mushrooms, blue skinny!

Sadness is justified!

Sean looked up to the sky and sighed!

Shen Bi stomped his feet angrily, pointed at Xiao En's nose, "I'm warning you, don't stop talking!"

In Shen Bi's eyes, Xiao En might as well laugh like a big villain.

Sean Bank has suddenly emerged and successfully entered the top 100 in the US financial industry. It is such a happy event. Who are you showing such a sad look!

Versailles is the game, right?

This person is really extremely hateful!

Xiao En came back to his senses and looked at Shen Bi: I didn't, I wasn't, don't talk nonsense!

"Old man, listen to me." Xiao En looked at Shen Bi with a 'serious' face, with a hint of melancholy in his soft tone, "In the beginning, a protective umbrella was originally set up to protect and escort the sale of fake wine. The wine business has been completely abandoned, and the umbrella has become the largest company in its hands and the most important force."

"At the beginning, Sean Bank was established for the convenience of money laundering and turnover. As a result, the black business has been abandoned, and the gray income is all abroad. It was cleaned through the national system, but Sean Bank turned directly and became the most valuable company in its own hands. .”

I, the dignified traveler, the company that takes the initiative, what Husky Energy, what terminal business, what shipping, what Sean Pictures, what New Century Media, what Staples Center... I don’t have a fucking one for myself Confident!

Up to now, they are still fucking money-losing goods!

In the end, preparing accessories for them was a fucking success!

Who can understand my sadness! !

Let’s just say that New Century Media is really good. It has a part of the mouthpiece function, especially the mouthpiece of the United States, which is really helpful to Sean.

However, the valuation of this thing is really not high.

What is the status of New Century Media in Laomei?

On the plus side, it's the second largest cable network and top 10 among media conglomerates.

Bad words...

Anyone who dares to say Xiao En dares to beat him!

Mainly, according to the calculation of the media group, there are ATT, Fox, NBC Universal, Comic Carter, Viacom, News Corporation, Metropolitan Communications ABC...

Yes, Sean can at best compare with Fox, not News Corp.

News Corporation is not only in the United States, but also the Sun, The Times, SKY Sky TV, Asia Star Media abroad...

Those other companies, um, Sean Pictures did make a lot of money, but Sean really didn't like this money.

It is said to be the eighth largest in Hollywood, but in fact, the eighth largest in Hollywood is just like that, just putting money on their own faces, and the global movie box office is less than tens of billions of dollars.

Other industries are still in the stage of net investment, and no return money has been seen.

Including the stocks of technology companies that Sean has been buying, stocks are floating profits until they are sold, which cannot be counted.

Besides, it's not time for the technology industry to explode.

Even if it is a protective umbrella, the market value of this thing cannot be calculated, and there are not many people in the world who are qualified to participate.

Those warships are indeed good things and valuable, but those who are qualified to buy don't want to buy them, and those who want to buy them are not qualified.

Everyone in the east was crying, and Sean didn't dare to sell it.

so……

"What the hell!" Old man Shen Bi was furious, "And said you weren't in Versailles!"

"Okay, woohoo hahaha, I was discovered by you!" Sean laughed for a while, and he was indeed a bit ordinary.

After laughing for a while, Sean sat down and stretched out his arms to wrap old man Shen Bi's shoulders, "Small, how come the valuation has skyrocketed several times!?"

The old man Shen Bi struggled hard a few times, but he couldn't break free from Sean's arm, so he could only snort and continue: "The credit card business is favored by the entire financial industry."

"Although the 25 million card users account for only 10% of the entire US population, the customers are relatively concentrated in the group of housewives and the middle class."

"There are no teenagers, and a very small part of blacks and Latinos are also rich people. Therefore, if the proportion is calculated according to the groups with actual consumption power, it can reach a terrifying proportion of 30%."

"There are overwhelming advertisements, plus it doesn't cost money to apply for a card, and there are gifts, plus our bank is the only one that can provide similar services, so..."

"It's my bank, not ours!" Sean interjected with a mean smile.

Shen Bi:! ! !

Roll, roll, roll! !

The old man couldn't bear it anymore, he didn't need to bear it any longer, he turned his head and aimed at Xiao En's chest with "boom" "boom" and "boom"!

Heaven punishes the bitch!

Sean hid while laughing, was hammered, coughed while laughing, ah, it was so fun!

After punching Sean more than a dozen times, Shen Bi, who was in his 60s, was out of breath, his face was flushed, and his head began to emit heat.

How can there be such a bitch in the world, God!

"Okay, okay, don't be angry!" Sean stretched out his hand to comfort him, and couldn't help but say again: "You're quite old, as for you, you can't be kidding, what about your bearing? Conservation."

"You still say it!" Old man Shen Bi wanted to beat Xiao En again angrily.

Not to mention Sean, Lorraine on the side started to roll his eyes.

If Norris was not afraid that Sean would drop him on the excavator and play with the big pendulum, he would have wanted to beat Sean.

Torre turned his head away, afraid that he couldn't help it.

"Okay, okay, the main thing is, I'm really happy today." Sean quickly raised his hand in surrender.

It took a long time to appease the old man Shen Bi.

"At present, there are not many merchants that provide credit card machine services. It is a new thing, even if it is convenient, but there are many stubborn people, not to mention re-opening an account at Sean Bank."

Sean Bank's reputation has just been established, and many merchants don't trust it that much. There are many commercial banks that have suddenly risen in the United States, and how many of them persist.

To put it bluntly, the sudden increase in business volume can make a bank rise suddenly, but there are very few that can survive. Currently, Wells Fargo is the only one.

Most of them declined due to the surge in business volume and their own management and services could not keep up. The other part was due to the expansion of business leading to high-level expansion, and finally fell into chaos due to blind expansion.

Anyway, the final solution is basically to be merged.

Of course, the black hands of those big financial institutions and consortia are indispensable behind this.

But one thing is for sure, Sean Bank's credit card business does provide convenience, and the future money scene is certain, so the business valuation has skyrocketed.

Now, if you want to acquire Sean Bank, including the credit card business, it is impossible without 20 billion. Of course, Sean will definitely not sell it.

After all, the credit card business is actually a platform, and the scope of expansion on it is too wide.

"However." Shen Bi looked at Sean and said, "In order to promote credit card machines, we, no, you, you, you set a lot of preferential conditions for merchants. We don't have much profit from the credit card business now, and we are still doing it on the net. input phase."

"Moreover, seeing the benefits of this business model, according to the news sent by Rockefeller's office, several major financial institutions and consortiums, including Morgan Stanley, Goldman Sachs, etc., are planning to develop the credit card business."

"Fuck, damn it!" Sean became angry when he heard it, "This bunch of damn plagiarists!"

hateful!

Seeing Xiao En's distraught look, Shen Bi immediately became happy.

Sean scolded for a while, but he could only pant heavily, and there was nothing he could do about it.

When a good business appears, it is inevitable for copycats to follow up.

It's like the Chinese Amazon, the French Amazon...it can't be stopped.

What's more, it is these super-large financial institutions and consortiums that control hundreds of billions of trillions of assets.

If it wasn't for Sean's huge influence, which can't be manipulated at will, and with Rockefeller behind him, those financial institutions and consortiums would directly attack the bank.

Of course, the start is also in accordance with business rules, and it is not black.

It's not kindness, it's mainly a matter of reputation, it won't save you a lot of money, and there's no need to ruin your reputation.

Most of the means are lures, providing various conveniences and at the same time conducting venture capital and acquiring most of the shares.

For these consortiums, instead of doing it themselves, wasting a lot of manpower and material resources, and conducting brutal business competition, it is better to invest directly in acquisitions.

After acquiring most of the shares, we will help you to suppress, acquire other followers, support and grow, and intercept the maximum benefits.

However, Sean obviously does not need to accept their investment.

He is not short of cash, at worst, he will go grab it... ahem.

For help other than funds, Sean himself can use public relations from the government, or he can find Rockefeller. Therefore, this has caused this situation, and a large financial institution and consortium ended up doing it himself.

What Sean can do is to take advantage of the first-mover advantage as much as possible, keep the existing market share, improve service quality, and try to maintain an advantage in the competition.

"So, do you have any new ideas?" Shen Bi tilted his head, looking at Xiao En with some expectation in his heart.

This guy is a bit ignorant, a bit rude and reckless, but his ideas are indeed unconstrained.

If you want to maintain an advantage in the competition with which consortia, ordinary methods are useless at all.

Xiao En rubbed his hair, frowned, his mouth was crooked, his face was ferocious, and he tried his best to use his brain.

It was really hard work, it can be seen from the expression.

"No, there's no way!" Sean said suddenly after a long time.

"Oh, tell me." Shen Bi suddenly became interested.

At his age, the soil is buried up to his neck, and his desire for money is no longer high. He cares more about challenges, new scenery, and interesting things.

If it wasn't for the body's failure, who would care about an interesting soul...

"Damn it, it's going to cost a lot of money again!" Sean said cursingly with an ugly expression.

"Pfft, hahahaha." Shen Bi burst out laughing.

He said that the 2 billion that Sean got a few months ago will definitely not last much time, and it will definitely be spent before the end of the year.

Sean made such a big deal in Malaysia before, and acquired tens of billions of assets. Shen Bi also felt that Sean would break the convention this time, so that he would not lose money again.

Now it seems... dogs can't change eating shit!

Xiao En gave Shen Bi an annoyed look, old man, what the hell, it's really annoying!

A few people next to him also shook their heads with a smile, the old and the young, really.

Shen Bi laughed enough, and then looked at Xiao En and asked, "Come on, how are you going to bankrupt yourself, I'm happy."

"Get out!" Sean gave the old man a sideways look, and then said: "Actually, in my opinion, credit card is a platform, and there are many products that can be derived from it."

"For example, someone's monthly income is 5,000 US dollars, and his credit card limit is about 3,000 US dollars, but now, he urgently needs to attend a high-end banquet, and he needs to wear clothes that make him look suitable for the upper class. The sum of money, 10,000 US dollars, far exceeds his credit card limit and deposits, and he cannot use the card for consumption, so what should we do?"

"We can actually open a business, credit card loans, and use credit loans to change the time of consumption in advance from one month to three months, half a year, or a year."

"After he consumes, he can pay back the money through the credit card in installments. When the credit card limit is updated every month, 1,000 yuan will be directly debited..." Xiao En gestured, and Shen Bi immediately understood Xiao En's meaning.

"It's the same as buying a car or a house, except that you don't need a mortgage, you use a credit loan." Shen Bi concluded.

"Yes, that's it!" Sean clapped his hands and nodded.

What is advanced consumption?.JPG

American people, thank me, Sean, in the future, you will not only inherit the inheritance of your elders, but also inherit their flowers...

Are you ready for the horror of Huabei?

When Huabei is ready, I will borrow it for you...

"This requires a credit system." Shen Bi is an old banker, and he thought more deeply, directly to the specific operation level.

"Yes, we need to establish a credit evaluation system on the existing credit card users. I don't understand the formula or something. Anyway, bad debts are easy to appear in this way, so this evaluation system must be very scientific. "

"And, let me tell you, once this credit evaluation system actually works well, we can definitely promote this evaluation result."

"This can be needed by many industries. Even when recruiting, HR hopes to find someone with a good reputation, not someone who owes a lot of bad debts."

"This is the standard, and it's the standard for people!" The old man Shen Bi stood up abruptly, looking at Xiao En in shock.

First-rate companies make standards, second-rate companies make brands, and third-rate companies make products.

How powerful are standards?

Enterprises have the right to speak about industry rules, and can seize market opportunities and obtain huge economic benefits by virtue of patented technologies that formulate industry standards.

Of course, if Xiao En can turn the credit system into a personal credit evaluation standard, although there is no patent or anything, he will gain economic benefits.

Information is money!

Anyone who tries to use the information will be charged!

"Okay, okay, sit down, it's all basics, Wuliu!" Sean leaned on the sofa, resting on the back of the sofa with one hand, and waved his hands with a 'calm' face, "How can this be so?" Well, there are too many other applications."

The corner of Shen Bi's mouth twitched, it came, it came again, full of pressure!

"For example, we can make a database for merchants to use. All the data of credit card consumption is on it. They can easily see which products sell best in a certain week or a certain month, which ones are not interested, and which time The period is the peak of consumption, which time period the passenger flow is rare, which age group likes which products, women, men, the elderly, children..."

"I think these data are extremely important for merchants, and it is difficult to count these things in raw cash transactions, right?" Xiao En said with a smile.

Shen Bi nodded heavily, indeed, it is very important!

The bigger the store, the more important it is. It is not that there was no company statistics before, but it is definitely not so convenient, fast and accurate.

"Moreover, we can also build a large database ourselves, and collect statistics on consumption, consumer products, number of consumers, single-person consumption, etc. across the United States."

"We can also help companies in need to conduct product research, the actual sales of products, in different regions, consumer groups, etc. Can these statistical data make those companies spend a lot of money to buy?"

Shen Bi nodded again, this is so capable, and the price is very high, a unique business!

"We can also make statistics on the market in the United States, and make monthly, weekly, and daily consumption curves in the United States. As long as the data is large enough and the scope is wide enough, we can even judge the future market situation of a region in advance, and the future economy. development, whether the economy is growing or declining.”

"We can even tell when the crisis of an industry will come, and when the economic crisis will come. This is awesome!" Sean waved his arms, and the more he said, the more excited he became.

This is to throw out the big data theory in advance. Although the credit card system can only be used to collect insignificant data, Shen Bi has already been shocked into a fool.

"Nice, awesome!" Shen Bi said dumbfounded.

If this step can be achieved, it is really equivalent to seeing the general trend of future development, and it is impossible to lose money!

Of course, it is too difficult, too difficult to achieve this step.

Where Shen Bi was sitting, he had been digesting Xiao En's words. This brand new concept made this old man who retired in the 80s seem to see a 'god'!

As a result, the imagination of the brain couldn't keep up for a while, it was too sci-fi!

in a trance...

This state lasted for several days.

until……

"The idea is really good, very good. If it is realized, then life will be invincible." Shen Bi looked at Xiao En, and at this moment, he was indeed convinced.

It doesn't matter if you are ignorant or rude, these are actually not important, success is actually very simple, do you have any good ideas, good ideas.

This is like a scientific invention and creation. The most important thing is not the 99% effort, but the 1% flash of inspiration.

"It's just that it needs a lot of money, a lot of money." Shen Bi tilted his head and looked at Sean, "Are you ready?"

Sean's hand holding the teacup froze in mid-air, and the tea flowed down the rim onto his lap, ouch! ! !

Grabbing his pants quickly, Sean just yelled from being burned.

But Shen Bi didn't seem to see it, and said with a smile on the corner of his mouth: "At least, we need a supercomputer, the kind that starts with a few hundred million."

Xiao En took the ice pack from the maid and pressed it on his lap, then sat down again, looking at Shen Bi with a depressed face.

Oh, the old man still can't keep up with his imagination.

It's more than just a supercomputer...

What's the matter, even if it's just statistics and storage of tens of millions of people's daily consumption data, with the current storage and computing speed, a database array covering an area of ​​several thousand square meters is necessary.

Oh, by the way, there must be at least one backup of the data...

Just the power consumption every day will make people crash!

Spicy ratio!

At the current price of the electronic market, if you throw in the little money yourself, it's just a splash.

Shit!

Suddenly, Sean had a premonition that he would become a big loser again.

Those cute little coins flapped their wings and flew away.

Geneva!

However, once you have an idea, it is definitely a good idea, so just throw it there and use it?

How can you bear it!

Sean only felt that his legs were no longer hot, but his brain was hot.

The man lay on the sofa in pain, picked up the ice pack and put it on his forehead.

He needs to be calm.

It took a long time for Sean to sit up listlessly, "It's something we must do. Come a little bit. I want to develop statistical software for merchants. We only do data storage and query. Let's postpone all those complicated ideas."

"Come on a little bit."

"Now the network transmission speed is only 56KB, which is a big trouble."

(In 1986, the National Science Foundation of the United States created NSFnet with a backbone network speed of 56KB/s.)

Remember, the future of Internet access services is in the hands of AOL and AT\u0026T... Do you want to invest some money?

Messy thoughts circled in Sean's mind and were thrown out again.

"Let's get the system and database set up first." Sean sighed. He doesn't know how to run a shitty software company, it's completely different.

This matter must be outsourced, either to Microsoft or Oracle.

He has been buying stocks in both of them for a long time, and the current stock prices are not high.

There are some thoughts in my mind, should I use this opportunity to formally intervene in Microsoft and Oracle?

"Okay, who will show you that sad face!" Shen Bi yelled at Sean, and then continued: "Two good news for you, first, the transatlantic submarine communication cable TAT-8 The system has been successfully installed, which means that the credit card business can already connect America and Europe!"

"You have to consider continuing to invest in Sean Bank, a larger proportion of the investment, we want to expand our business in Europe, those top financial institutions will not give you time to take your time, if you don't occupy the market, they will occupy it!"

"Is this good news?" Sean's eyes widened suddenly, "Is this bad news, and it costs money?"

"The scope of business has been expanded, Sean Bank will officially set foot in Europe, a big global bank, isn't it good news?" Shen Bi looked at Sean with a half-smile.

"Well, it's fucking good news!" Sean gritted his molars and said, "What about the other one?"

"The submarine optical cable across the Pacific is no accident. The construction will be successful next year. Asia and America will complete real-time data exchange, and the scope of business can be expanded. This is undoubtedly the best booster for your Asian investment bank plan!" Shen Bi said with a big laugh.

Sean clutched his chest and fell on the sofa, his body twitching unconsciously.

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