America's Big Hero Chapter 437

Where does the money come from?

Sean is also thinking about this.

Where to grab another one?

Leaning on the sofa with his head held high, his eyes rolled around, full of dangerous light.

Shen Bi knew at a glance that Sean wasn't thinking about anything.

"Okay, don't worry about money." Shen Bi stretched out his legs and kicked Sean.

"Well, how do you say, Europe has an optical fiber cable, we must not open the bank's branch there, expand our business there, and not a large amount of money?" Sean was not in a hurry to ask for money, and immediately came to the spirit.

Now, anyone who doesn't want money is a good person in Sean's eyes.

"Don't, don't come with me!" Shen Bi rolled his eyes, he was really shameless, he needed it, and he went back to him immediately.

Sean smiled and hugged Shen Bi's shoulders, "Why are you still angry? Isn't that a joke? Let's see, who can have a better relationship than us!"

"Oh, I have to thank you." Shen Bi sneered, too lazy to answer Sean.

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

In Europe, the birthplace of the Industrial Revolution and the export of ideas, it can be said that various interests are deeply rooted.

Although the Second World War completely smashed Europe into a mess, after the war, the United States successfully won the position of the world's leader, and it also completed a major penetration into Europe through the Marshall Plan, resulting in the emergence of no super conglomerate in Europe.

But deep-rooted nationalism and local protection have not disappeared.

There are many local consortia and industrial monopoly consortia.

And extremely stubborn.

Sean wants to expand his popularity through overwhelming advertisements like in the United States. It is no problem to open a bank branch to attract ordinary customers, and it is not a problem for small companies.

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

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

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

"Then I haven't been involved in any new industries in the US market, have I?" Sean asked with a confused look on his face.

"What are you..." The old man Shen Bi pointed at Sean speechlessly.

He tapped his finger a few times, "Can't you take the time to play with women and take 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, in the final analysis, the purpose is to enjoy life!"

"I'm going crazy with all my energy at work?"

"Workers all know that they can compress their working hours step by step through struggle. I am a boss, and as a result, I work overtime every day. My life is to create more wealth for the society?"

"There's something wrong with your brain!"

Shen Bi: "…"

Facing Sean's fallacy, Shen Bi really didn't know how to refute it.

In Western society, the key to family first is very deep.

Both money and work must make way for the family, and ignoring the family for the sake of money will be despised by others.

In the western world, family photos are placed on the desk, and there must be that kind of joyful taste.

When politicians are campaigning, they have to bring their families to give speeches. It is very important to create a harmonious family image and show how much time you spend with your family, hang out together, and spend time with your children.

No politician will show that they are busy with work all day long, work overtime until late at night, want to eat and sleep in the company, and have nothing in their minds except work.

Those who fail to enter the house three times will only be driven 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. You don't need the boss to trouble you, the manager will let you put them away quickly!

Focus on family life?

Don't want to work overtime?

What do you mean by placing family photos?

for what purpose?

who ordered you!

What is your motivation?

Did you get permission from the company?

Who is behind you, advocating what the family wants to do?

What are you implying?

what do you want to subvert?

Can't answer?

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

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

Don't say that we fired you for no reason. This is all justified and well-founded. Minor violations are not illegal. Since the company is not illegal, then your negative example is 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!

ahem...

Shen Bi glared at Sean, I'm too lazy to tell you, are you focusing on family?

Who has 10 or so mistresses in the house?

You are horny!

After severely criticizing (envying) Sean, Shen Bi said, "The tentacles of Sean Bank now penetrate into many industries."

"For example, chemical industry, energy, media industry, film and television industry, construction industry, retail, shipping, manufacturing, agriculture, real estate... There are many more!"

"Why so many!" Sean looked surprised.

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

It's not for nothing that Sean has tossed about these years, let's just say 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 thrown away later, the habit has been formed, and no one will dig this corner.

The energy sector is similar, with electricity in New Jersey, northern Colombia, Sri Lanka, Morocco where investments are being made.

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

Of course, Sean felt this way, but he didn't form a very specific concept, but he didn't stop. After that, Sri Lanka, Morocco, and now Southeast Asia.

Although there is not much revenue 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, Sean also understood, the comparison was with the current situation in Europe.

In the old market, the relationship network is deeply rooted, and it is difficult to get involved.

"Then don't care about Europe?" Sean frowned. "The world's third, fourth, and fifth economies are all in Europe. It's too early for emerging markets to surpass them."

"It's definitely going to get involved, but it can only be done through acquisitions. You don't have to think about re-development." Shen Bi shook his head directly, "Let's not mention now, during the Marshall Plan period, the major consortiums in the United States wanted to directly intervene. None of them were successful, and some acquisitions were made through the government's matchmaking."

"And it's only part of the industry. The government in the core industry would rather support it by itself."

"Wait for an opportunity and seek entry by acquiring a local bank. This matter cannot be rushed."

"That's not to ask for money!" Sean rolled his eyes.

"With the loan, it won't cost you much cash, but your debt will increase again." Shen Bi said and laughed.

"Then I'm going to go deep into Asia now?" Sean squinted and thought.

"Asia is a good opportunity. Here, you have a huge first-mover advantage, which is bigger than other consortiums." Shen Bi nodded, "In terms of money, it's 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. Even though there are only 25 million accounts opened, the average credit limit is only 1500 per month. However, each At the beginning of the month, we still had the equivalent of $37.5 billion in deposits available, and that money was not available to users.”

"Credit card, genius idea!"

Sean: ? ? ?

"No, wait, why did you suddenly have a deposit limit of 37.5 billion?" He looked at Shen Bi with a confused expression, and his mind was full of question marks.

"Every account opener is equivalent to depositing their credit this month with us in advance, no, where are you, why is this not money!" An inscrutable smile hung on the corner of Shen Bi's mouth, "This is called finance. tool!"

"Reputation equals money. You made it."

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

"Forget it, you don't understand. This game is about future expectations. It's quite complicated. The company has not carried out high-risk operations due to security considerations. Otherwise, tens of billions of funds will be available immediately." Shen Bute shrugged.

"Is it still a high risk?" Sean was completely stupid. Just a concept, and tens of billions of cash were collected out of thin air?

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

"Nima!" Sean gritted his back molars and said viciously: "No wonder everyone is reluctant to become a real entity after engaging in finance. This is so..."

Sean didn't know how to describe the current situation. This money came too quickly and suddenly.

Guilty, very guilty!

He couldn't care less about Shen Bi and satirized him again.

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

"Are you safe?" Sean shivered when he heard it. This is too unsafe.

"As an asset, in the hands of a bank, if it can't play several times its value, then what kind of finance would it be." Shen Bi looked at Sean with contempt.

Sean raised his hand to cover his face, and said with a face full of lovelessness: "Okay, just don't take such a big risk, not so much, be steady, we still have time!"

"I Sean can still make money, no, I'll rob you again, right?"

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

"It's too unsafe, the risk is too high, if this game collapses, won't tens of millions of people be killed by you?"

"You... Sean..." Shen Bi looked at Sean with a strange expression, "robbing isn't a crime, is it?"

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

"It's not a robbery to rob a rich person? You are more abhorrent, and you will be hit even more if you rob a rich person!" Shen Bi looked at Sean angrily, "You seem to be a good person, we have become a good person. Got a badass look!"

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

"Let's not say anything else, how much better New Jersey's security is than before, and how many people have benefited!"

"Columbia's northern coastal areas, Sri Lanka, and Morocco are all thriving now. I am so alive!"

"That little thing I robbed is not a traumatic thing for them, and it's over, it won't cause any major harm at all, but you are different!"

"Damn it, what kind of financial tool, if you go broke now, the livelihoods of tens of millions of people will be affected! How big is this impact!"

"It doesn't have much impact." Shen Bi turned his head away from Sean's embarrassment, "No one will bear the loss of only half a month's income. It's okay to share it."

Having said that, Shen Bi turned his head and glared at Sean again. He was despised by such a well-known ruthless villain, and Shen Bi felt very bad.

"It's just cutting leeks, right!" Sean rolled his eyes, "Okay, pay attention, and give me some yin."

"Be steady, I've been trying to find a way to get some money back recently."

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

"Well, I received news a few days ago that the fighter jet I designed has already been rolled off the assembly line." Sean didn't mind putting gold on his face.

"Can you really sell that stuff?" Shen Bi's expression was tangled and unbelievable. He was also a World War II veteran. Knowing that Sean changed the old World War II plane and took it out now, it's nonsense.

"Look at me!" Sean's face was inscrutable!

But before that, Sean needs to think about going back to America.

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

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

However, some trump cards still have to be prepared quickly and played before the new entrants of the co-gang 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's side and complained bitterly that the family fund even started the credit card business, digging his own corner and not being a son of man.

Complaining, splashing, rolling around, you must give benefits anyway!

Old man David's brain was buzzing, looking at Sean who was lying in his office, there was no trick at all.

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

"Sell that bank to me!" Sean lion said loudly.

"That's impossible!" Old man David refused.

"God, is there any reason for heaven? Grandpa digs the walls of his grandson, is there any more!" Sean walked to the door of the office, opened the door and cried hard.

"Come back for me!" Old man David had blue veins on his forehead.

The people in the secretariat outside the door lowered their heads one after another, as if they did not exist.

"Then you agreed to transfer it to me?" Sean turned his head back, grinning, and there was a trace of tears on his face.

"This is really not good, it's not just Rockefeller's assets, you can change it." Old man David looked like he was unlovable. Seeing that Sean was 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 with a wary expression on his face.

"It's useless if you swallow this bank. Sean Bank has expanded several times in less than a year, and its branches have expanded more than six times. It is already a big 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 divisions are fighting for power and profits. If you continue to expand blindly, there will be problems!"

"So what?" Sean was unmoved. "I don't want to ask questions, but to solve them!"

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

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

There is no way to do this. Sean Bank has only developed for a long time, and there is not enough talent pool. This is a common problem that all fast-growing companies must encounter.

Those really mature companies, even if they have enough people, will keep recruiting people to make talent reserves, so as to avoid shortage of talents when the company expands, or fall into a state of no one available after being poached.

This is an internal game between the company and management.

"It's the family who poached my corner, not the family bank!" Sean corrected with a serious look: "This is the compensation the family gave me, figure it out!"

"Good, good, compensation, compensation." Old man David reached out and surrendered. Rockefeller has been rooted in the United States for more than 100 years. The system is perfect, and the personnel reserve is sufficient. It is good to give some.

If you are always pressed by the people above, and there is no way to ascend, there will be problems.

This is a good thing for both sides.

Coming out of Old David's office, Sean snapped his fingers at Torre in the corridor.

Torre walked in with an expressionless face, stretched out his hand to open the bag in his hand, took out the gift box inside, and placed one on the table for each person in the family secretariat according to the name.

The people in the secretariat immediately smiled at Sean, such an upright gift can be accepted.

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

Sean Bank's credit card has a credit limit of 50,000, and has already deposited 10,000 US dollars in it.

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

Leaving from the family office and getting into the car, Sean immediately revealed a smile. He had planned to hire a group of professionals, and Shen Bi had mentioned this to him before.

When it comes to recruiting people on a large scale, Shen Bi can't overdo it.

Only utensils and names, not fake people. - "Zuo Zhuan: The Second Year of Chenggong"

But this really stumped Sean. This is not one or two people. It is enough to find a headhunting company to poach people. This is too large, and it is impossible to rely on the HR department alone.

If we are going to expand our business in Asia soon, we must be the kind of professionals who can fight and win.

Just had this scene.

Of course, it's impossible to ask someone directly. I 'invite' someone from my family to save my life, and I 'send' someone from my family to make amends, the meaning is completely different.

Sean breathed a sigh of relief when he got this top priority.

Returning to Kashima, a group of people who were expecting to give birth, who had already given birth, and Yingyingyanyan who had received the news in advance to be pregnant rushed up, and Sean fell directly into the town of Wenrou, and it took three days to pull it out!

The whole person lost weight.

Children need it all, adults know temperance...

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

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

In fact, Sean is a little regretful at this time, and the two things he originally wanted to do have not been completed.

First, look at the fabled garage. After seeing Bill and chatting for a while, I found out that the garage was in Albuquerque, New Mexico.

Second, he wanted to meet Paul Allen, a **** who has a wide range of hobbies and likes 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's because of illness, but, I returned in 1990 and left Microsoft again in 2000. If you speculate with the greatest malice…)

Shawn, who is too sorry, soon gets to the point with Bill, the workaholic.

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 yuan, and Microsoft Windows 1.0 was released in 1985. Bill, who owns 45% of Microsoft's equity, just had assets of over 100 million yuan in 1987.

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

However, it's just over 100 million, which means nothing to Sean.

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

"Yes, you can watch it after the card reader is connected to the monitor, and you can also connect the printer to print it out. How about it, is there a problem?" Sean said with a smile.

"Of course no problem!" Bill agreed, and it wasn't difficult to tell the truth.

"Okay, now we can talk about why I handed over this easy data system to Microsoft." Sean leaned 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 space, this number will explode."

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

"The expected installed capacity in the future will not be less than 100 million." Sean smiled and spread his hands.

"Microsoft is the best personal computer system..."

"Don't mention this to me, UU reading www.uukanshu.com doesn't make much sense, let alone Oracle, I just buy a software company and spend 10 million to develop it 100%." ​​Sean interrupted Bill.

"However, development and practical application are two different concepts. The development of the system has never been the biggest problem. It is the bug handling that is the system error." Bill said with a serious face.

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

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

"I am the first person in the world to develop a network commercially at scale!"

"At present, 80% of the AT&T network business access service comes from my credit card business!"

Bill pursed his lips, his cheeks bulged, it was broken, and he met someone who understood!

Chapter end