The wool can only come from the sheep, but the money for the wool can be paid for by the pigs. Specific to this interest-free shopping link, there is actually a problem here, if, if you are not a White Bank cardholder, you can enjoy the interest-free period of only three months.

So the question is, White Bank does this because he is the younger brother in the banking industry. The capital adequacy ratio is very high, but unfortunately the visibility is too low. Banks take time to accumulate, and a simple wave of advertising is actually useless.

Then the problem arises, if you do this, the price that the bank needs to pay is too great, even the manufacturer will bear a part, but ah, the interest for twelve months is definitely not a small number. You should know that the interest rate of credit cards is very high, at least 10% or more.

"Is it expensive? Tom, our plan to sell 100,000 units. How much is 10%?

Thirty million, isn't it a lot?"

Fat cat Tom wants to vomit blood, isn't 30 million a lot? This is already a very large number, well, if the gross profit margin is not high enough, you are losing money and making money!

"Tom, in fact, there is not much, this part of the loan will eventually be guaranteed by the legendary world. Subsequently, we will package this part of the assets for listing. With the addition of the White Bank, this kind of bond is easier to sell than Treasuries. "Seeing this guy is still unknown, Filson can only come out to give him a science popularization.

Let's not say that we will get these funds back at a very low cost, let's talk about the commissions and handling fees, this matter is not in vain.

You see, the interest rate on credit cards is very high, so the interest rate is high, because the cost of default is too high. However, it is the same credit card consumption, and after being guaranteed by the legendary world, the risk seems to disappear.

At the very least, that's what it seems.

What kind of place is rice?

How can the capital market be short of money.

International investors are not interested in such low-yield bonds, but some sovereign funds do not. The first thing they need to ensure is the safety of their funds.

Besides, if your credit is so strong, what if you mortgage it to the bank again?

Rest assured, it will definitely give you a very good interest rate. I'm not afraid that you will borrow money, but I am afraid that you will borrow too little.

"Well, let me ask, Filson, since this game is so simple, can others simply follow suit?"

Tom, the fat cat with a question mark, found that he didn't understand, but was even more confused. To put it mildly, this is all using the existing rules, not to mention any innovation, but ah, no one did this for Mao before?

Well, it's not that nothing came to mind. In fact, the big minds on Wall Street are thinking about all kinds of financial innovations every day. Think about it, 30% of GDP comes from the financial services sector, and if it only relies on industry, half of Wall Street can actually go out of business.

As for the new toys of William White, it's not that no one thought of it, but that few companies can reach the level of credibility of the legendary world. Enron and WorldCom boasted a lot, but if the cash flow is not sufficient, there are banks there that will believe in your profits.

The legendary world often loses, especially the domestic part of the United States, which is simply a loss. If you just look at the financial report, this company will definitely be a penny stock.

But what are the facts?

All the profits of this goods are overseas, and they are already rich enough to take out and invest, who would believe that he can lose money.

Businesses in the United States, especially multinational corporations, are so magical. is obviously vomiting blood, but he likes to slap his swollen face and become fat.

Because, if they tell the shareholders the truth, rest assured, the stock price will collapse immediately.

And what about companies that look like they're losing a lot of money?

Either the real situation is more serious, or the profits are deliberately placed overseas.

This is why investors in the United States are mainly institutions.

There is no other reason, and ordinary investors simply do not understand it.

"Tom, don't talk about this, how is the market reacting? Recently, customer service has been a little harder.

Well, why don't we dig into the corners of apples?"

"Boss, what, you just had a very unpleasant quarrel with the guild, if you raise the salary standard now, those guys in the guild will definitely think that you are provoking. ”

Filson was speechless, he had just had a quarrel with the guild because of his salary, and because no one wanted to lose his job at this time, he chose to compromise himself, but if you turn around and go to poach with a high salary, this is a bit of a slap in the face.

Of course, William White is actually more depressed, and the current coder is actually not irreplaceable for him. Don't look at the mess of Ah San's infrastructure, but their computer industry is developing rapidly.

It's not that there is any production capacity, they can provide a large number of cheap code farmers. As a capitalist, what kind of eyes will be there, since there are cheap options, of course, you need to abandon those expensive ones.

It's a pity that as the owner of a company, it is impossible to dismiss employees at will. Not to mention that your profits are good, even if you can't continue to operate, it is very difficult to fire employees.

Nima, how many jobs are reduced, and you actually need to negotiate with the guild. I really don't understand, if you play like this, what idiot will invest in industry, is this to invite a bunch of ancestors back for yourself.

It's okay if he doesn't agree to lay off employees, just split the department, no matter what, recruit within the company. For a while, as long as there are no more jobs, these problems will always be solved.

However, the big boss of a company can't do it like his fingers, but this boss is also tasteless.

"Tom, for the next period of time, try to minimize your workload here, and send out what you can, this is a trend and it is impossible to reverse. ”

"Got it, boss. "Although there is some reluctance, unfortunately, since the boss said so, if you don't want to be sacrificed, you better do it. Dismissal of ordinary employees or trouble, dismissal of a company's top management, this is what many people like to see.

It is impossible to say that there are no doubts. The general environment is really not good, but the companies under the White department are actually not bad.

Well, Tom the fat cat was shocked, he found a problem, and when the boss proposed these measures, Filson chose to acquiesce. You must know that the so-called streamlining of government is not only the White system, this time the turmoil has also affected the think tank.

No one likes to lose their rights, and no one likes their men to be made redundant. However, Filson clearly agrees with the boss's approach, what does this mean?

"Boss, in this way, it is impossible for the market to recover in a short period of time?"

"I don't know, I don't see much of the future for the time being. Alas, Tom, what do you think I'm going to do with all this money?

Let's get ready for winter, if you can survive it, you will have tomorrow. Next year may be very beautiful, but most people will fall in the darkness before dawn. ”