America's Big Hero Chapter 436

Can't I be rich?

Sean fell into deep doubt about himself.

Spicy ratio!

Just felt that he was rich, and soon, bigger expenses came out, and Sean only felt that the whole person was not well.

Lying on the sofa, I entered a state of unrequited love.

So why!

Sean looked like Shen Bi was very happy, an old man in his 60s, clutching his stomach, laughing and twitching.

"Don't laugh to death, you won't think I murdered anymore!" Sean rolled his eyes when he saw Shen Bi's appearance.

As for being so open?

Ah, so what!

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 could not be hidden, which made Sean very irritable.

"Okay, okay, look at your appearance." Shen Bi pointed at Sean with a smile, "Actually, your situation is very common, or an inevitable phenomenon."

Enough of laughing, Shen Bi began to explain to Sean that, in fact, the vast majority of rich people would be troubled by Sean.

It will be easier for the rich who just want to enjoy life and don't want to make further progress.

After a large company or a super-large company develops, even the founder will actually become unable to help himself. Even if he wants to lie flat, he will be trapped and must fight and struggle every day.

It's like a lot of rebels, are they trying to rebel, to ascend to the throne?

Mostly yes...

However, a small number of them were really pushed up by force, and they could not retreat if they wanted to.

It's like Huang Pao and Zhao Kuangyin. At that time, even if he doesn't want to rebel and ascend to the throne, he won't be able to.

Zhao Kuangyin does not ascend to the throne, so those who follow him are still thinking of going further.

The generals below do not want to go further, the personal guards below the generals, and the lieutenants below also want to go further.

In the end, the soldiers who go to the bottom, the more the bottom is, the more they want to climb the peak. Of course, it doesn't matter if one or two of this bottom force is strong, but when the number reaches a certain level, the upward force formed like a volcanic eruption will be hard. Push the person above to go up.

Zhao Kuangyin is not a rank, so how can the people below be appointed as Hous and Prime Ministers?

Right.

If Zhao Kuangyin is determined to be a die-hard loyalist of Hou Zhou, then there is only one possibility, that is, Zhao Kuangyin dies and a new leader is pushed up.

The same goes for these megcorporations of modern times.

The founders feel that they have made enough money and are ready to enjoy life. There is no motivation to forge ahead. Then there is only one result, that is, the top management of the company starts to think about their own future and starts to dig corners of the company.

Layer by layer, all the way to the bottom, all began to dig into the corner of the company. In the end, the company was heavily in debt, went bankrupt and liquidated, and the founder fell into the dust overnight.

Be the executor...

The result of the founder lying flat was that the bed collapsed and there was no way to lie down.

So, there has to be a retirement system...ahem.

Where are you sitting all the time, the people below can't get in... What a seventy-year prince!

Closer to home, after Shen Bi's explanation, Sean's mood is much better.

Thinking about Murdoch, it's also pitiful. He is obviously very single-minded, and he likes a young, beautiful and good-looking figure. As a result, he doesn't have much time to enjoy life at all.

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

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

Thinking about it, Sean couldn't help but laugh.

Shen Bi saw that Sean suddenly showed a strange smile, his face was inexplicable, and his intuition told him that Sean didn't want anything serious.

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

Shen Bi hummed, and continued to chat with Sean about business affairs, "The former Sean 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, so the business scope It has always been relatively narrow, but after the credit card business opened, it was different.”

"That's right, I have also absorbed a lot of deposits, why do I still have no liquidity available, what are you doing with the plane!" Speaking of this, Sean was angry.

The purpose of starting a bank is to use other people's deposits to develop your own business. Now it's good. What's more, the money is not borrowed, but instead, he asks himself for money all day long, and he has become a giant beast of gold.

"You..." Shen Bi pointed at Sean, then shook his head and put it down, looking like you were hopeless.

"You have to figure out that your purpose for establishing a bank is different from others, so naturally it is impossible to achieve that effect. This is common sense!"

"You just don't even understand how banks make money and how profit margins are so high?"

"Loan the money to make money!" Sean twitched his neck, his face was dark, with such a simple question, you looked like you were insulting my IQ.

"Heh, then what?" Shen Bi sneered, "The bank has to provide depositors with interest rates, and the interest rate for loans is higher than for deposits, but it is about 2 points, and now the bank in Japan is only 1 point for loans. , it is almost lower than the deposit interest rate, how do you achieve a profit rate of 20-30%?"

Sean: ? ? ?

"Small banks can't do this, they want big banks, for example, if they 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 business activities. All the money used in the process is all kinds of transfers. The law stipulates that commercial activities must be transferred through banks. This money is still in the bank, and it flows in various numbers, and the cash is still in the vault."

"The bank can also lend the money to BCDEF... As long as the bank network is developed enough, the money will actually stay in the bank, even if the customer wants to withdraw money one day, it will not be delayed."

"So, it takes a lot of money to borrow repeatedly to create such a high profit margin, understand?"

"Then, what if there are problems with several of these companies and the loan is 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 a white wolf with empty gloves?" Sean was shocked. Sure enough, it was the bank that made the most money!

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

"The bigger the bank is, the stronger the capital will become. 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."

"You can ultimately control the economic situation of a country, a region."

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

Sean instantly thought of the future financial crisis of 1998!

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

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

This is the consequence of taking time out of funds, and those big consortia can do it.

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

For the super consortium, reputation and reputation are more valuable, but they are holding the 'nuclear' button in their hands, and the deterrent is here.

These super-consortiums can talk to a country on an equal footing, or they can look down on a country from a top down.

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

Moreover, because it is obscure, it is not as straightforward as a missile bombing, so there is less resistance and less backlash. The responsibility for propaganda can be passed on to the local government, and it has nothing to do with the consortium.

In the end, the consortium can also come as a savior to gain the greatest goodwill from the people, and then work hard and tearfully to buy the bottom and make a bigger sum of money!

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

Immediately it got worse!

Damn it, no wonder those big financial groups didn't show much interest in their own umbrella, including the old man David behind it.

Even if DuPont is a little interesting, they just invested a bit behind it, and they have no business conflict with the umbrella so far.

It is foreseeable that in the eyes of the big consortium, this is just an idle game, and the attention is not so high.

Thinking of this, Sean rubbed his teeth. Does that mean that he is a clown in the eyes of others?

Is it just an interesting topic for the big guys to talk about after dinner, adding a little adjustment to life?

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

Damn it, Sean scolded fiercely with a dark face.

Shen Bi's brows became tighter and tighter, "What's your situation today? It's strange. This is the second time. Who are you scolding?"

"I scold those big financial groups!" Sean rolled his eyes and couldn't help but ask a little depressedly: "Then there is nothing to do with these big financial groups?"

"No, you can't say that." Shen Bi shook his head, "If there is a problem with such a big consortium, or a big financial institution, such as an economic crisis, a large number of companies go bankrupt, resulting in excessive bad and bad debts in banks, and banks are at risk of bankruptcy..."

"How is it?" Sean asked, staring.

"The state will pay to help these financial institutions plug the holes, and do their best to rescue them, even if it is over-issued currency, even if it is a large fiscal deficit!"

"Fuck!" Sean threw his arm fiercely, "What the hell, the country is kneeling and begging for food in front of the big consortium?"

"Then you have to say that, this is really kneeling to beg for food. That's it, how many countries want to kneel and don't have it."

"No, these working people have worked hard to create wealth, and they have to be exploited by big financial groups, and they have to pay taxes. Finally, this money is always ready to take risks for big financial groups to block holes?"

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

Sean was very happy, "Then tell me, how do you block the hole?"

"Simple, the most common, 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?"

"Save the market!" With that said, Shen Bi picked up the teapot and started pouring water into the teacup, refilling the water, "Inject capital into the stock market and save it."

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

"Pop" the empty glass and put it back again.

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

"Shareholders!" Shen Bi spread out his hands, his face taken for granted, "Who told them not to retreat when the funds were injected, and no one stopped them."

"No, this is a crushing of information. You attribute this mistake to the investors, that's arguing!" Sean slapped the table hard.

"I think it's funny when you say this, it's a powerful institution!" Shen Bi looked at Sean amusingly, "You, a member of the powerful class, are you telling me this?"

Sean: "…"

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

That's fine.

"Then, can't you save it?" Sean asked again.

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

"How many shares of large companies do these big financial institutions control, and how much capital 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, 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 about the money that doesn't exist for several times or ten times?"

"Let me tell you, all the companies that got the loan will collapse, and even the upstream and downstream companies will be greatly affected, and a bankruptcy wave that will sweep across several industries will happen!"

"The loss of that can make a country collapse directly!"

"In comparison, what is it for shareholders to suffer a little loss, even if the government suffers a fiscal deficit, it must keep those big financial groups and big financial institutions!"

"No guarantee, no guarantee. If you don't guarantee the consequences, everyone will die together!" Shen Bi said a dead word in a long voice.

Shen Bi pointed to the tea set on the table and said, "Capitalism, you have to understand that there is capital first, then doctrine, and then the state. At the current stage of development, the capital consortium is this tray, teapot, teacup, etc., all of which are capital consortia. If the capital consortium falls, the country will fall, and all 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 exist. When the capital consortium arrives, the country will disappear completely!"

They're all dead, so what's new on the corpse is not certain...

Sean was silent for a while, and the memory in his mind began to churn. He thought of several things, the 08 financial crisis, and the US government's rescue of Wall Street at any cost.

Of course, the more specific things Sean didn't know were actually much more serious than he thought.

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

New X News Agency reported: If the government does not bail out Citigroup or the bailout is unsuccessful, it will be a catastrophic event for the U.S. and even the international financial market, as investors lack confidence in Citigroup's prospects, especially for the group. The fear of having hundreds of billions of dollars in real estate-related debt caused the stock market to plummet, resulting in a downgrade of the company's credit rating and higher financing costs. If customers lacked confidence to withdraw from banks and savers ran, Citigroup simply couldn't handle it, so the government had to Take action to rescue it.

In fact, it is as simple as real estate. Citigroup is one of the eight major consortiums in the United States. With Citibank as the core, it is the most enterprising consortium. It is precisely because of its rapid expansion that it has fallen into crisis. , missiles and aircraft, civil industries such as electronics, chemicals, petroleum and non-ferrous metallurgy, etc., the US government would not dare to let Citibank go bankrupt.

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

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

Citi and **** will each receive $25 billion, Bank of America and Wells Fargo will each receive $20 billion, Goldman Sachs and Morgan Stanley will each receive $10 billion, and Bank of New York, Mellon and State Street will each receive $20 billion. billion to 3 billion.

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

At the same time, 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 of loan guarantees and funds.

French President Nicolas Sarkozy announced a 360 billion euro financing plan, 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 guarantee bank debt, and the Austrian government said it would provide up to 85 billion euros in guarantees for distressed banks if necessary.

The UK Treasury plans to inject £37bn into Royal Bank of Scotland, HBOS and Lloyds TSB.

East...Save the city, ahem.

Anyway, Huang Shilang can have losses, but he must not die.

Pudong is Shanghai, and Shanghai is Pudong!

ahem...

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

Shen Bi pursed his lips and looked at Sean for a long time, just when Sean thought the old man was going to stimulate him again, he smiled and said, "It's not as exaggerated as you think, character, you must be a character. "

"Not to mention, the deterrent effect of the umbrella is still enough. At least those consortiums will not arbitrarily pinch you, and they will also use formal means to compete on business issues."

"Otherwise, the credit card business was funded when it was first rolled out. How could you have grown to this level?"

"Cut off all your lending channels, launch business wars against other industries, drain your capital reserves, and then you will have to accept their capital injections."

"This is not a foul. It is a legitimate business competition method. In the final analysis, your own strength is not enough."

"Besides, you don't think you really don't have any loopholes for people to catch."

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

"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 it."

Sean laughed, saying that, it's still right that we put all our energy into managing gun handles and lip service.

Yes, that's what I thought at first, definitely not an affiliate product!

Absolutely not!

Seeing Sean getting happy again so quickly, Shen Bi pouted, this happy little err is so coaxing.

How could 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 the side of others.

Besides, Rockefeller is not a paper paste.

However, Sean is right. If it weren't for these two powers, old man David would not let Sean develop freely.

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

"I really think that you are lucky enough to catch up with such a good era and let you catch the tail of the era!" Shen Bi said with emotion: "You want to invest in Chinese, a good idea, plus the previous With fixed assets worth tens of billions of dollars, UU Reading www.uukanshu.com gives you enough confidence to use financial tools to speed up expansion.”

"In addition to the successful laying of the submarine optical cable, Sean Bank is expected to take advantage of this shareholder wind to soar to catch up with those old-fashioned consortia."

"Once this period is over, those old-fashioned consortia have consolidated their advantages, and it is almost impossible to find such opportunities again."

Sean grinned, nodding hard!

In the words of Zhong Er, at this moment, there is light in Sean's eyes!

Umbrellas and so on are all primary means during the colonial period. Now, he is going 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 there!

What is the foundation of eternity!

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

Chapter end