America’s Big Hero

How do you get the money?

Sean is also thinking about this question.

Where can I grab another one?

Leaning on the sofa with his head held high, his eyeballs were rolling around, full of dangerous light.

Shen Bi knew at a glance that Xiao En had no good intentions.

"Okay, the money matter is not urgent." Shen Bi stretched out his legs and kicked Xiao En.

"Well, what should I say, since the fiber optic cable is connected in Europe, we are not allowed to open the bank's outlets to expand business there, and we are not allowed to spend a lot of money?" Xiao En immediately regained his energy when he heard that he was not in a hurry to ask for money.

Now, anyone who doesn't need money is considered a good person by Sean.

"Don't, don't talk to me!" Shen Bi rolled his big eyes, he was really shameless, he needed it, and immediately joined us again.

Sean smiled and grabbed Shen Bi's shoulders, "You, why are you still angry? Isn't that a joke? Just see, who can have a better relationship than the two of us!"

"Oh, I still have to thank you." Shen Bi sneered, not bothering to talk to Xiao En.

"The situation in Europe is more complicated." Shen Bi deliberated for a while before slowly speaking...

In Europe, the birthplace of the industrial revolution and the output of ideas, it can be said that various interests are deeply rooted.

Although World War II completely smashed Europe, after the war, the United States successfully won the position of world leader, and also completed a large penetration of Europe through the Marshall Plan, resulting in no super large conglomerates in Europe.

However, deep-rooted nationalism and local protection have not disappeared.

There are many local consortiums and industry monopoly consortiums.

And extremely stubborn.

Sean imagined that, like in the United States, he would expand his popularity through overwhelming advertisements. It would be no problem to open bank outlets to attract ordinary customers, and small companies would not be a problem either.

However, it is wishful thinking to win over those large and medium-sized commercial customers.

There is a commercial banking system in the industry that has cooperated for decades or hundreds of years, and the interests are intertwined. If you want to intervene, you can intervene?

In this matter, Rockefeller can't help, and they themselves have to compete with the European oil giants.

"Then I didn't get involved in any new industries in the US market, did I?" Sean blinked and asked with a bewildered expression.

"What the hell..." old man Shen Bi pointed at Xiao En speechlessly.

He tapped his fingers a few times, "Can't you spend the time playing with women and take good care of the company?"

"That can't, absolutely not!" Sean shook his head firmly, "You're putting the cart before the horse!"

"To make money and improve one's social status, the ultimate purpose is to enjoy life!"

"I've been devoting all my energy to work, am I crazy?"

"Workers all know that through struggle they can reduce their working hours step by step. As a boss, I end up working overtime every day. My life is to create more wealth for the society?"

"There is something wrong with your brain!"

Shen Bi: "..."

Faced with Xiao En's heresy, Shen Bi really didn't know how to refute it.

In Western society, the key to family first runs deep.

Money and work have to give way to the family, and people will be despised by others if they ignore the family for the sake of money.

In the western world, there are photos of family members on the desks, and there must be a sense of joy and harmony.

Politicians have to bring their families to give speeches when they are running for office. They must create a harmonious family image and show how much time you spend with your family, hang out together, and be with your children. This is very important.

No politician will show that he is busy with work all day long, working overtime until late at night, wishing to eat and sleep in the office, thinking about nothing but work.

Those who go through the house three times without entering will only be kicked out of politics by voters.

This is the difference between Eastern and Western cultures.

On the east side, you put family photos on your desk, so you don’t need to be troubled by the boss, the manager will let you put them away quickly!

Focus on family life?

Don't want to work overtime?

What do you mean by posting family photos?

what purpose?

Who ordered you!

What is your motivation?

Is it approved by the company?

Who is behind you and what does the advocacy family want to do?

What are you implying?

what do you want to subvert?

Can't answer?

I think you want to destroy the company's overtime environment, spread negative thoughts, and shake the morale of overtime work!

Feeling homesick all day, you can now pack up and roll home!

Don't say we fired you without reason, it's all justified, minor violations are not illegal, since the company does not violate the law, then you, the negative example, are illegal!

The company can only put a group photo of the company's employees, the company is your home, and the boss is your parents!

cough cough...

Shen Bi glared at Xiao En, I'm too lazy to talk about you, are you family-oriented?

Who has 10 mistresses in their family?

You are lustful!

After severely criticizing (enviing) Xiao En, Shen Bi said, "Xiao En Bank's tentacles have penetrated into many industries now."

"Such as chemical industry, energy, media industry, film and television industry, construction industry, retail, shipping, manufacturing, agriculture, real estate...there are so many!"

"Why so many!" Sean was surprised.

"Nonsense!" Shen Bi squinted at Sean, he suspected that Sean was preparing for Versailles again.

Sean has not been tossing around in vain these years, let's just talk about the construction industry.

In New Jersey, including the surrounding areas, the basic building materials industry was once monopolized by Sean. Of course, the internal capital flow went to Sean Bank. Although most of the shares were lost later, the habit has formed, and no one will poach this corner.

The energy industry is similar, with power supply in New Jersey, power supply in northern Colombia, Sri Lanka, and Morocco, which is investing.

One thing I have to admit is that the development of Columbia is indeed on the right track. Through this newly developed market, Sean Bank has been involved in many industries, and its tentacles have been completely opened up.

Of course, Sean felt this way, but he didn't form a very specific concept, but he kept on going, and then Sri Lanka, Morocco, and now Southeast Asia.

Although there is not much income to be seen in the short term, the expanded network is accumulating strength, and emerging markets will usher in an explosive period sooner or later.

After listening to Shen Bi's words, Xiao En understood, and compared with the current situation in Europe.

In the old market, the network of relationships is deeply entrenched, and it is difficult to get involved.

"Then leave Europe alone?" Sean frowned, "The world's third, fourth, and fifth economies are all in Europe, and it's too early for emerging markets to overtake them."

"I'm definitely going to intervene, but it can only be done through acquisitions. You don't have to think about redevelopment." Shen Bi shook his head directly, "Let's not talk about it now, it was during the Marshall Plan period, and the major consortiums in the United States wanted to directly intervene. None of them succeeded, and some acquisitions were made through the government’s matchmaking.”

"And it's only some industries. The government would rather support the core industries by itself."

"Wait for the opportunity and seek entry by acquiring local banks. There is no rush."

"Then you have to ask for money!" Sean rolled his eyes.

"With a loan, you won't spend much cash, but your debts will increase again." Shen Bi laughed while talking.

"Then I'm going to cultivate Asia now?" Sean squinted his eyes and thought for a while.

"Asia is a good opportunity. Here, you have a great first-mover advantage, bigger than other consortiums." Shen Bi nodded, "Money is not a big problem."

"You injected the industry you got this time into Sean Bank. In fact, after the development of the credit card, the bank's capital reserves have increased significantly. Don't look at only 25 million account openings, and the average credit line is only 1500 per month. However, each At the beginning of the month, we still had a deposit amount of 37.5 billion U.S. dollars available, and users could not withdraw this money.”

"Credit card, genius idea!"

Sean:? ? ?

"No, wait, why do you suddenly have a deposit amount of 37.5 billion?" Looking at Shen Bi with a confused expression, his mind was full of question marks.

"Every account holder is equivalent to storing their credit for this month in advance with us. No, where are you, this is not money!" Shen Bi had an inscrutable smile on his lips, "This is called financial credit." tool!"

"Reputation is equal to money, and you made it."

Sean: I didn't know I was so awesome.

"Forget it, you don't understand. This is about future expectations, which is quite complicated. The company did not carry out high-risk operations for security reasons, otherwise tens of billions of funds could be used immediately." Shen Bute shrugged.

"Can it still be high risk?" Sean was completely dumbfounded. With just one concept, he made tens of billions of cash out of thin air?

"Yes, for example, using credit for loans, 25 million users, this is an asset in itself, and a high-value asset." Shen Bi said as a matter of course.

"My mother!!" Sean gritted his molars and said viciously: "No wonder everyone doesn't want to be an entity anymore after getting involved in finance. What the hell..."

Sean didn't even know how to describe the current situation. The money came too fast and suddenly.

Guilty, very guilty!

He was so guilty that he didn't care about Shen Bi and satirized him again.

"Now if you inject fixed assets from Southeast Asia into Sean Bank, the bank will have the confidence to take some risks for a new round of expansion."

"Are you safe?" Sean trembled when he heard it, this is too unsafe.

"Assets, in the hands of the bank, if they can't realize their value several times, then what's the use of finance." Shen Bi looked at Xiao En with contempt.

Sean raised his hands to cover his face, and said with a look of unrequited love, "Okay, just, don't take such a big risk, it won't happen, be steady, we still have time!"

"I, Sean, can still make money, but if I can't, I'll steal it for you again, right?"

"You guys, it sounds like a crime to me!"

"It's too unsafe, the risk is too great, if this game crashes, wouldn't tens of millions of people be killed by you?"

"You... Sean..." Shen Bi looked at Sean strangely, "robbing is not a crime, is it?"

"I didn't rob the poor again!" Sean said confidently.

"Stealing the rich is not robbing? You are more hateful, and you will be hit even more if you rob the rich!" Shen Bi looked at Xiao En angrily, "You seem to be a good person. Take a look at the bastard!"

"Yes, you are right!" Sean nodded in agreement, "Compared to you, I am indeed a good person, a very good person!"

"Not to mention, how much better law and order in New Jersey than before, how many people have benefited!"

"Colombia's northern coastal areas, Sri Lanka, and Morocco are all thriving now, and I have countless lives!"

"The little things I robbed were nothing serious to them, and they just let it go, and it won't cause any serious harm at all, but you are different!"

"Fuck, what kind of financial tool, if you fail now, tens of millions of people's livelihoods will be affected!"

"It doesn't have much impact." Shen Bi turned his head away in embarrassment when Xiao En looked at it, "The loss no one can bear is only half a month's income. It's okay to share it."

Saying that, Shen Bi turned his head and gave Xiao En a hard look again, being despised by such a recognized ruthless villain, Shen Bi felt very bad.

"It's just cutting leeks, right?" Sean rolled his eyes, "Okay, pay attention, and accumulate some virtue for me."

"Steady, I'll find a way to get some money back recently."

"Can you still get money?" Shen Bi looked at Xiao En in surprise.

"Well, I received news a few days ago that some of the fighter planes I designed have already rolled off the production line." Sean put gold on his face without hesitation.

"Can you really sell that thing?" Shen Bi's expression was tangled, with disbelief on his face. He is also a veteran of World War II, knowing that Xiao En modified the old World War II plane, change it, and take it out now, it's just nonsense.

"Look at mine!" Sean's expression was inscrutable!

But before that, Sean still needs to think about going back to the United States.

Several banks under the consortium are also developing credit card business. With their huge financial network and the foundation that Sean has laid, I believe they will catch up soon.

Of course, Sean's credit card machine will sell quickly. This is the most mature set of products at present, and it can make a lot of money.

However, some hole cards still need to be prepared quickly and played before the new entrants in the gang can catch up.

...

The Golden Palace swooped down from the sky and landed at the New York airport.

Sean went around to the old man David, and complained fiercely that the family fund also started the credit card business, poaching his own corner, and not being a son of man.

Complaining, spitting, rolling, you must give benefits anyway!

Old man David's brain was buzzing, looking at Sean who was stuck in his office, he didn't have any tricks at all.

"Tell me, what do you want!" Old David asked, rubbing his forehead with a headache.

"Sell me that bank!" Sean Lion said loudly.

"That's impossible!" Old David refused.

"God, is there any reason? Grandpa digs up his grandson's walls, is there any more control!!" Sean walked to the door of the office, opened the door and wailed vigorously.

"Come back to me!" Veins sprouted from old David's forehead.

The people in the secretariat outside the door all lowered their heads, as if they didn't exist.

"Then you agreed to transfer it to me?" Sean turned his head back, grinning, there was not a trace of tears on his face.

"This is really not good. It's not just Rockefeller's assets. You can change it." Old David looked hopeless, and seeing Sean about to open the door again, he immediately said loudly: "Listen to me!"

Sean put his hand on the doorknob and looked at old man David warily.

"It's useless if you want to swallow this bank. Xiao En Bank has expanded several times in less than a year, and its bank outlets have expanded by more than six times. It is already a large financial institution with over 10,000 employees. company."

"Now your internal problems are very serious, the personnel are chaotic, the management is out of touch, the communication is not smooth, and the various regions and divisions are fighting for power and profit. If you continue to expand blindly, you will have problems!"

"So?" Sean was unmoved, "What I want is not to ask questions, but to solve them!"

"I will give you a group of banking management talents to stabilize the company. This is more beneficial than you taking over the family's bank."

The current Sean Bank is like a fat man who has eaten out of anger, bloated, obese, and slow to move. He has to exercise for a period of time, lose weight and gain muscle before he can take another step.

This is also helpless, Sean Bank has only been developing for a long time, and there is not enough talent reserve, which is a common problem that all fast-growing companies must encounter.

For those truly mature companies, even if they have enough people, they will keep recruiting people as a talent reserve, so as to avoid the shortage of talents when the company expands, or fall into a state where no one is available after being poached.

This is an internal game between the company and management.

"It's the family poaching me, not me trying to seize the family bank!" Xiao En corrected with a serious face: "This is the compensation given to me by the family, figure it out!"

"Okay, okay, compensation, compensation." Old man David stretched out his hand and surrendered. Rockefeller has been rooted in the United States for more than a hundred years, with a complete system and sufficient personnel reserves. It is good to give some out.

Always being suppressed by the people above, without an upward channel, there will be problems.

This is something that benefits both parties.

Coming out of old man David's office, Sean snapped his fingers at Torrey in the corridor.

Torre walked in with a blank expression, reached out to open the bag in his hand, took out the gift box inside, and placed one on the table for each member of the family secretariat according to their names.

The people in the secretariat immediately smiled at Sean, this kind of aboveboard gift is acceptable.

Open the small gift box, inside is a bank card and a piece of paper with a password written on it.

Sean Bank's credit card has a credit limit of 50,000, and 10,000 U.S. dollars have been deposited in it.

Sean's gifts are always so simple, direct, rough, but touching.

Leaving from the family office and getting in the car, Sean immediately showed a smile. He had already planned to hire a group of professionals, and Shen Bi had mentioned this matter to him earlier.

Shen Bi couldn't do it for large-scale recruiting.

The only thing that matters is the vessel and the name, not a fake person. —— "Zuo Zhuan: The Second Year of Cheng Gong"

However, this matter really stumped Sean. It wasn't just one or two people, he just had to find a headhunting company to poach people. The scale was too big, and the HR department alone couldn't handle it.

Immediately to expand business to the Asian region, it must be the kind of professional talent who can fight and win.

Only then did this scene happen.

Of course, asking people directly is not acceptable. The meaning of "inviting" people from the family to save lives is completely different from "sending" people to make amends from the family.

Sean was relieved to have settled this urgent task.

Returning to Deer Island, a crowd of expecting babies, those who had already given birth, and Yingying Yanyan, who had received news in advance and were expecting to conceive, pounced on them. Xiao En fell directly into the gentle village, and had to pull it out for three days before pulling it out!

The whole person lost weight.

Only children want it all, adults know how to control it...

Four days later, on the West Coast, Microsoft headquarters in Seattle.

In the living room, Sean was drinking black tea, and sitting opposite was a young man, the future world's richest man, Bill.

In fact, Sean felt a little regretful at this time, because the two things he originally wanted to do hadn't been completed.

First, look at the legendary garage. After meeting Bill and chatting for a while, I found out that the garage is in Albuquerque, New Mexico.

Second, he wanted to meet Paul Allen, a playboy with a wide range of hobbies who liked to hold silver parties. He felt that the two must have a lot in common. As a result, Paul left the board of directors due to illness in 1984.

(I don’t know if it was due to illness, but I returned in 1990 and left Microsoft again in 2000. If I speculate with the greatest malice...)

Sean, who was too regretful, soon got to the point with workaholic Bill.

At this time, Microsoft was not the company with the highest market value in the world, and Bill was not the richest man.

In 1983, Microsoft's revenue was only 100 million. In 1985, Microsoft Windows 1.0 was released. Bill, who owns 45% of Microsoft's shares, had just exceeded 100 million in 1987.

Of course, this is already the first billionaire in the global personal computer industry.

However, it has just exceeded 100 million, which means nothing to Sean.

"Make a statistical system for the credit card machine?" Bill looked at Sean with flickering eyes.

"Yes, the credit card machine can be viewed after being connected to a monitor, and it can also be connected to a printer to print out. How about it? Is there a problem?" Sean said with a smile.

"Of course no problem!" Bill agreed without hesitation, and it was really not difficult.

"Okay, now we can talk about why I hand over this not-so-difficult data system to Microsoft." Sean leaned back on the sofa and looked at Bill with a smile, "The current installed capacity is 60, this is just the beginning, as major banks start to join the credit card field, this number will explode."

"And after the fiber optic cable connects Europe and Asia, this number will explode even further."

"In the future, the expected installed capacity will not be less than 100 million." Xiao En spread his hands with a smile.

"Microsoft is the best PC system..."

"Don't mention this to me. It doesn't make much sense. Let's not talk about Oracle. If I just buy a software company, I can develop it 100% for 10 million yuan." Sean interrupted Bill.

"However, development and practical application are two different concepts. Developing the system has never been the biggest problem, but dealing with system errors is the problem." Bill said seriously.

"I have so many machines, and it only takes a few months to test out most of the system bugs." Xiao En said with a curl of his lips: "It's not a complicated system, you don't think I don't know anything about computers Bar."

There was a smile on the corner of Sean's mouth, "Dear Bill, I, Sean, are not those old men who don't know anything about informatization, data, and networking."

"I am the first person in the world to develop a large-scale commercial network!"

"At present, 80% of AT\u0026T network business access services come from my credit card business!"

Bill pursed his lips, his cheeks were bulging, it was broken, and he met a sensible person! !