America’s Big Hero

Can't I be rich?

Sean fell into deep doubts about himself.

Spicy ratio!

Just now he felt that he was rich, and immediately, more expenses came out. Sean only felt that his whole body was not good.

Lying on the sofa, I entered a state of lovelessness.

So why!

Seeing Xiao En's appearance, Shen Bi was very happy. He was an old man in his 60s, clutching his stomach, and twitching with laughter.

"Don't laugh yourself to death, you'll think I murdered you later!" Seeing Shen Bi's appearance, Xiao En rolled his eyes.

As for being so open-minded?

Ah, as for it!

Shen Bi: As for, too much!

After laughing for a long time, until his stomach started to hurt, Shen Bi slowly recovered, but the smile on his face still couldn't be hidden, which made Xiao En very irritable.

"Okay, okay, look at you." Shen Bi smiled and pointed at Sean, "Actually, your situation is very common, or it is an inevitable phenomenon."

After laughing enough, Shen Bi began to explain to Xiao En that in fact, most rich people would have Xiao En's troubles.

Unless the kind of rich people who don't want to make greater progress and just want to enjoy life will be easier.

After a large company or a super-large company develops, even the founder will actually become involuntary, even if he wants to lie flat, he will be coerced, and he must struggle and struggle every day.

This is like a lot of rebels, do they want to rebel and want to ascend to the throne?

mostly yes...

However, a small number of them were really forced to go up, and they couldn't even withdraw.

It's like Zhao Kuangyin with a yellow robe added to his body. At that time, even if he doesn't want to rebel and ascend the throne, he can't do it.

If Zhao Kuangyin does not ascend the throne, then those who follow him still want to go further.

The generals below don't want to go further, the personal guards below the general, and the deputy generals below still want to go further.

In the end, those soldiers who reached the bottom, the more they are at the bottom, the more they want to climb the peak. Of course, it doesn't matter if there are one or two of these bottom forces, but when the number reaches a certain level, the upward force like a volcanic eruption will be formed. Push the person on it up.

Zhao Kuangyin is not hierarchical, how can the people below be appointed as marquis and worship ministers, and if they are not, how can the people of the next year become generals.

Right.

If Zhao Kuangyin is determined to be Hou Zhou's diehard loyalist, then there is only one possibility, that is, Zhao Kuangyin dies and a new leader is pushed up.

The same is true for these super-large enterprises that are replaced by modern ones.

The founder feels that he has earned enough money and is ready to enjoy life, and loses the motivation to forge ahead. Then there is only one result, that is, the company's top executives start to think about their own future and start poaching the company's corners.

Layer by layer, all the way to the bottom, they all began to poach the company's corners. In the end, the company was heavily in debt, went bankrupt and liquidated, and the founder fell into the world overnight.

become the executor...

The result of the founder lying flat is that the bed collapsed and there was nothing to lie down.

Therefore, there must be a retirement system... ahem.

Where the old man sits, the people below can't get in... How can you be a prince for seventy years!

Closer to home, after Shen Bi's explanation, Xiao En felt much better.

Thinking about it, Murdoch is also very pitiful. He is obviously very dedicated, and he likes a young, beautiful and good figure. As a result, he doesn't have much time to enjoy life.

A lot of time and energy are wasted in 'meaningless' work.

At this age, I have earned money and rights, but I still can't enjoy life. Life is really too colorless!

Thinking about it, Sean couldn't help laughing.

Shen Bi saw Xiao En suddenly showing a strange smile, with a bewildered expression on his face, and instinctively told him that Xiao En didn't think of anything serious.

"Well, I'm still young, so I'm not suitable for lying flat." Sean waved his hand and continued the previous topic.

Shen Bi snorted, and continued to chat with Xiao En, "The former Xiao En Bank was a safe fund settlement tool and transfer channel for you, and it didn't even have a strong function of providing financial support. Therefore, the scope of business It has always been relatively narrow, but after the opening of the credit card business, it will be different.”

"That's right, I've also absorbed a lot of deposits, why do I still have no liquid funds to use, what kind of planes are you doing!" Speaking of this, Sean became angry.

The purpose of starting a bank is to use other people's deposits to develop their own business. Now, what the hell, the money has not been borrowed, and instead they ask themselves for money all day long, becoming a gold-swallowing behemoth.

"You..." Shen Bi pointed to Xiao En, then shook his head and put it down in a slumped manner, as if you were hopeless.

"You have to understand that your purpose of establishing a bank is different from others, so naturally it is impossible to achieve that effect, this is common sense!"

"It's just that you don't even understand how the bank makes money and why the profit margin is so high?"

"Lend out the money to make money!" Sean scratched his neck, his face darkened, as if you were insulting my IQ with such a simple question.

"Oh, and then?" Shen Bi sneered, "Banks have to provide interest rates to depositors, and the interest rate for loans is higher than that for deposits, but it is about 2 points, and now the bank loans in Japan are only 1 point." , is almost lower than the deposit rate, how did you achieve a profit rate of 20-30%?"

Sean:? ? ?

"Small banks can't do this. You need a big bank. For example, if you have a deposit of 100 million yuan, the bank will loan the money to Company A, but Company A will not take the money directly, but will use it in its business activities. All the money used in China is a variety of transfers, and the law stipulates that commercial activities must be transferred through the bank, and the money is still in the bank, flowing in various numbers, and the cash is still in the vault.”

"The bank can also lend this money to BCDEF...as long as the banking network is well developed, the money will actually stay in the bank. Even if the customer wants to withdraw money one day, there will be no delay."

"So, repeated loans of a sum of money create such a high profit margin, understand?"

"Then, what if some of these companies have problems and the loans are not repaid?" Sean asked with a frown.

"There must be a strict loan review system and a mortgage. What are you afraid of?" Shen Bi spread his hands.

"Isn't this an empty-handed white wolf?" Sean was shocked. Sure enough, the bank is the most profitable!

"Of course, otherwise, why do consortiums exist in the form of banks? With the successful laying of several submarine cables and the real-time and convenient data exchange between banks across countries and continents, the future society must be dominated by finance. !"

"The bigger the bank, the stronger the capital. The development of the real economy must rely on a large amount of financial support and bank support, and the result will inevitably become a situation where the real economy is completely working for the bank." Shen Bi's expression was unprecedented. Seriously, looking at Sean seriously, he continued: "Financial institutions can completely control the world economy by controlling the flow of funds."

"Ultimately, it can control the economic situation of a country and a region."

"Because they can mobilize or even evacuate all the liquidity in a region, which directly leads to the outbreak of the economic crisis!"

Sean instantly thought of the future 98 financial crisis!

On the surface, the financial giants headed by Soros speculated on the Thai baht and emptied Thailand's US dollar reserves, causing the Thai baht to plummet and Thailand to suffer heavy losses.

However, Soros and the others only emptied the US dollar reserves at most, and Thailand's actual direct losses were several times that of this reserve, and the indirect losses were even more.

This is the consequence of evacuating funds, and those big consortiums can do it.

Of course, being able to do it and whether to do it are two concepts, just like having a nuclear bomb is different from throwing a nuclear bomb.

For super consortiums, reputation and reputation are more valuable, but they hold the 'nuclear' button in their hands, and the deterrence is here.

These super consortiums can completely talk to a country on an equal footing, or look down on a country from a high position.

Thinking of this, the corner of Sean's mouth couldn't help twitching crazily. Damn, this kind of deterrence is more subtle and peaceful than his own giant ship cannon, but its power is not small at all, it is more powerful to be precise.

Moreover, because it is concealed, it is not as straightforward as the missile bombing, so it receives less resistance and less backlash. The responsibility for publicity can be pushed to the local government, and has nothing to do with the consortia.

In the end, the consortium can also come as a savior to gain the greatest favor from the people, and then work hard to buy bottom with tears in their eyes and make a bigger profit!

Sean blinked his eyes, and suddenly thought of something that happened in his previous life...

Immediately the mood became worse!

Damn it, it's no wonder that those big consortiums didn't show much interest in their own umbrella, including old David behind it.

Even if DuPont is a bit interesting, it's just a back investment, and they have no commercial conflicts with the umbrella so far.

It can be predicted that in the eyes of the big consortium, this is just a game of leisure, and the attention is not so high.

Thinking of this, Sean was a little bit giddy. Does that mean that he is a clown in the eyes of others?

Is it just an interesting topic for bigwigs to talk about after dinner, to add a little spice to life?

Old man David: Don't look down on yourself so much, you can still use it for Versailles, of course, no more.

Damn it, Sean cursed viciously with a black face.

Shen Bi frowned more and more, "What's wrong with you today, it's weird, this is the second time, who are you scolding?"

"I'm scolding those big consortiums!" Sean rolled his eyes, and couldn't help asking a little depressed: "Then there's nothing you can do about these big consortia?"

"No, you can't say that." Shen Bi shook his head, "If something goes wrong with this kind of big consortium, or a big financial institution, for example, if the economic crisis occurs and a large number of companies go bankrupt, causing excessive bad debts to appear in the bank, then the bank is at risk of going bankrupt. ..."

"How is it?" Sean asked with wide eyes.

"The state will spend money to help these financial institutions plug the holes, and try their best to rescue them, even if it is to issue excessive currency, even if it is to bear a large fiscal deficit!"

"Fuck!!" Sean flicked his arm violently, "What the hell, is the country begging for food in front of big consortiums?"

"Then if you want to put it this way, this is really a beggar on your knees. Just like this, how many countries want to kneel but don't have this kind of door."

"No, these working people have worked hard to create wealth, but they still have to be exploited by big consortiums, and they have to pay taxes. In the end, this little money is always ready to take risks for big consortiums to plug holes?"

"Then look, otherwise why does everyone want to climb up and become a consortium?" Shen Bi spread his hands.

Sean was very angry, "Then tell me, how to plug the hole."

"Simple, the most common one, such as the stock market crash." Shen Bi looked around, pointed to the tea set on the table and said, "This tray is the big consortium, this teacup is the stock market, and this teapot is the country."

"Now that the stock market is crashing, the tea keeps evaporating."

"Then what to do?"

"Save the market!" As he spoke, Shen Bi picked up the teapot and began to pour water into the teacup, refilling the water, "Inject funds into the stock market, rescue."

Afterwards, he picked up the teacup and poured the water into the tray, and said while pouring: "Then, the consortium took the funds out of the stock market and put them back into their own hands."

'Crack' the empty cup was put back.

"No, who will bear the final loss?" Sean asked, pointing to the teacup.

"Shareholders!" Shen Bi spread out his hands, with a look of course on his face, "Who made them not retreat when there was capital injection, and no one stopped them."

"No, this is a crushing of information. If you attribute this mistake to the stockholders, that's arrogance!" Sean slapped the table hard.

"I find it funny when you say this, it is a powerful institution!" Shen Bi looked at Xiao En amusedly, "You are a member of the powerful class, you tell me this?"

Sean: "..."

Uh, well, I forgot, ha, I am also a big capitalist now!

That's fine.

"Then, can't it be saved?" Sean asked again.

"No!" Shen Bi firmly shook his head, "Don't think that this is the public relations of the consortium, and then the government compromises, just to protect the interests of the capitalists, it's not as dark as you think, it has to be rescued."

"How many shares of big companies do these big financial institutions control, and how much money flows in the database." Shen Bi said with a serious face: "I told you just now, 100 million deposits, repeated loans several times, a dozen times, In fact, there is not so much money at all, and that money does not exist.”

"It doesn't matter if a company collapses. With property mortgages, the bank won't lose much. But if the bank collapses, what will happen to the money that doesn't exist in multiples or tens of times?"

"Let me tell you, all the companies that received loans will collapse, and even upstream and downstream companies will be greatly affected, and a wave of bankruptcies sweeping several industries will occur!"

"The losses caused by that can directly collapse a country!"

"In comparison, it's nothing for stockholders to suffer a little loss. Even if the government suffers a fiscal deficit, it must keep those big consortiums and big financial institutions!"

"If you don't guarantee it, you can't do it. If you don't guarantee it, everyone will die together!" Shen Bi said the word "death" in a long voice,

Shen Bi pointed to the tea set on the table and said: "Capitalism, you have to understand that first there is capital, then there is doctrine, and then there is the state. At the current stage of development, the capital consortium is the tray, teapots, teacups and so on are all capital consortia. If the capital consortium falls, the country will also fall, and everyone will die!"

"There is a capital consortium to have a country!"

"If the capital consortium does not collapse, the country will always have a way to survive. When the capital consortium arrives, the country will be completely gone!"

They are all dead, so it is not certain that something will be reborn on the corpse...

Sean was silent for a while, and the memories in his mind began to churn. He thought of a few things, the 2008 financial crisis, and the US government's rescue of Wall Street at all costs.

Of course, Sean didn't know more specific things, and it was actually much more serious than he imagined.

On November 24, 2008, after two days and nights of negotiations, the U.S. government finally extended a helping hand to Citigroup, the second largest commercial bank in the U.S., before the dawn of the 24th.

New X News Agency reported: If the government does not rescue Citigroup or the rescue fails, it will be a catastrophic event for the US and even the international financial market, because investors lack confidence in the prospects of Citigroup, especially for the group Fears of having hundreds of billions of dollars in real estate-related debt triggered a stock market crash that led to a decline in the company's credit rating and higher funding costs. If customers lack confidence to pull money from the bank and depositors run on it, Citigroup simply cannot cope, so the government has to Shot to rescue it.

In fact, where real estate is so simple, the Citigroup consortium is one of the eight major consortiums in the United States. With Citibank as the core, it is the most aggressive consortium. It is also in crisis because of its rapid expansion. Its business scope includes the arms industry such as rockets. , missiles, and aircraft, and civilian industries such as electronics, chemicals, petroleum, and nonferrous metallurgy, the U.S. government dared not let Citibank go bankrupt.

In fact, earlier in October, the U.S. Treasury Department planned to use $250 billion of the $700 billion bailout plan to purchase shares in several major domestic financial institutions and provide a three-year guarantee for interbank loans.

Financial institutions that received the 250 billion bailout funds include Goldman Sachs, Morgan Stanley, JP Morgan Chase, Bank of America, Merrill Lynch, Citigroup, Wells Fargo, Bank of New York Mellon and State Street.

Citigroup and JPMorgan would each get $25 billion, Bank of America and Wells Fargo would get $20 billion each, Goldman Sachs and Morgan Stanley would get $10 billion each, and BNY Mellon and State Street would get $2 billion to $2 billion each. 3 billion.

Wells Fargo and Bank of America will each receive an additional $5 billion for the acquisition of Wachovia and Merrill Lynch.

In the same period, in order to prevent the financial system from collapsing, the governments of European countries such as France, Germany, Spain, the Netherlands and Austria launched their own bank rescue plans on October 13, with a total amount of 1.3 trillion euros.

Among them, the German Ministry of Finance provided 500 billion euros in loan guarantees and funds.

French President Nicolas Sarkozy announced that he will launch a financing plan of 360 billion euros, including 320 billion euros of loan guarantees and the acquisition of 40 billion euros of shares from major French banks.

The Spanish government used 100 billion euros to provide guarantees for bank debt, and the Austrian government said it would provide up to 85 billion euros in guarantees for banks in trouble if necessary.

The British Treasury plans to inject 37 billion pounds into Royal Bank of Scotland, HBOS and Lloyds TSB Bank.

To the east... Save the city, ahem.

Anyway, Huang Silang can suffer losses, but he is determined not to die.

Pudong is Shanghai, and Shanghai is Pudong!

cough cough...

"Okay, okay." Sean smacked his mouth, and suddenly laughed at himself, "I thought I really became a character, huh."

Shen Bi pursed his lips and looked at Xiao En. After a long while, when Xiao En thought that the old man was going to provoke him again, he smiled and said, "It's not as exaggerated as you think, character, you must be a character. "

"Aside from other things, the deterrent effect of the umbrella is still sufficient. At least those consortiums will not take you casually, and they will use formal means to compete on business issues."

"Otherwise, the credit card business was injected with capital when it was just rolled out. How can it make you develop and grow to the present level?"

"Cut off all your loan channels, launch a commercial war against other industries, consume your capital reserves, and then you will have to accept their capital injection."

"This is not a foul, it is a legitimate means of commercial competition, after all, it is because you are not strong enough."

"Besides, you don't think that there are really no loopholes in you for people to catch."

"As far as the things you have done, use the power of the state to investigate you, you are dead!"

"It's just because they are afraid, and the benefits are not enough to make them tear their faces and take such a big risk, so they didn't do anything."

Sean laughed, so it is correct for us to devote all our energy to managing the handle of the gun and the mouth.

Yep, that's what I thought at first, definitely not a side product!

Absolutely not!

Seeing Xiao En happy again so quickly, Shen Bi curled his lips, this happy little dick is really coaxing.

How can it be so easy to cut off financing channels? There is not only one consortium in the world, and the competition among various consortiums is also extremely fierce. If one blocks you, the other will win you over, and will only push you to others.

Besides, Rockefeller is not paper.

However, what Sean said was right. If it weren't for these two forces, Old Man David wouldn't have allowed Sean to develop freely. What if a good card was ruined?

It is true that there is no competition within the family... well, no one in this generation can compete with him...

"I really think that you are lucky enough to catch up with such a good era and let you grasp the tail of the era!" Shen Bi said with emotion: "You want to invest in Chinese, a good idea, plus the previous The tens of billions of fixed assets you have obtained will give you enough confidence to use financial tools to speed up your expansion."

"Coupled with the successful laying of submarine optical cables, Sean Bank is expected to take advantage of this shareholder wind to skyrocket and catch up with those established financial groups."

"Once this period has passed, those established financial groups have consolidated their advantages, and it is almost impossible to find such opportunities."

Sean grinned at the corner of his mouth and nodded heavily!

In the words of a second grader, at this moment, Xiao En has light in his eyes!

Umbrellas and the like are just primary means in the colonial period, and now, he wants to develop in the direction of a real big consortium.

Not bound to the country, but bound to the country!

Sean is here, and the country is here!

What is the foundation of all ages!

So...how does the money come from...