(Bow and thank "Mo Xiaobao" for the support of the two monthly passes!)

James is a senior investment broker at Brooke Investments, senior because he has been in the industry for five years, from the beginning of the university, after graduating from finance, he applied for the newly established Brooke Investment Company, it can be said that he has grown up with this company all the way.

Dressed in a tailor-made suit and sunglasses, he drove his car down the streets of South Brighton, looking in high spirits. He sat in the driver's seat and shook his head to the sound of music, and a few minutes later he drove to the bottom of the financial building, parked his car in the underground parking lot, and took the elevator upstairs to work by himself.

This is his normal work process every weekday, but today is a little special because today is his first day as the team leader, and he needs to teach all the team members.

"Sometimes a decision can affect your future, so you have to be careful in everything, tell them this today, those damn guys, I really look forward to their reluctance to call me head, just thinking about it is already very exciting! But no way, who makes this world is full of magic, I don't know that the name Zhou Ming can bring me such a big change." ”

James, who was waiting for the elevator, muttered to himself, and couldn't help laughing in the end, and James couldn't help but be so happy, because he was able to have today because of a phone call a few days ago.

The call was from one of his former clients, Xiandi, who was still a relative of hers, and she had handled a subprime loan business for her when she bought a house, but that was not important, the important thing was that he revealed an important news to himself, she said that someone asked her to file for personal bankruptcy, and said that the person was a Chinese named Zhou Ming.

It was a terrible thing, James remembered that the head had said that he would tell him whenever there was news of this person, although he couldn't remember whether it was in a meeting or in the bar, but he was pretty sure that the head had said such a thing.

So James went to look for the head with the mentality of giving it a try, and told him the news, and then a few days later, he got a bonus of 150,000 US dollars, and he was promoted to the position of the head of the investment department.

James has no doubt that this must be the benefit brought by that news, you must know that he has been in this company for five years, except for the company's insurance and his own year-end bonus, everything else is still standing still, and there is no reason for it to suddenly explode.

"Chinese? I always thought that there was no other advantage except that those yellow-skinned little bitches were easy to fuck, and it didn't seem to be like that!"

James said with a smile, and then he took the elevator upstairs and finally walked to his office, which was also the treatment of promotion, having his own independent office, instead of having to squeeze into a large office with other agents.

As soon as he closed the office door, James heard the phone on his desk ring, he picked it up and connected it, and immediately there was a roar on the other side of the phone: "James, you shitty bastard, give me back my house, I haven't breached any contract!"

James immediately removed the microphone, and when the voice had subdued, he said, "You're Centi, right?" I think what you need is a can of Sprite, because only the iciest Sprite can calm you down. And what I want to say is that your house has nothing to do with me, I only know that you did breach the contract, so the company had to take back your property in order to avoid losses, which is what I clearly told you when we signed the contract. ”

"But I've asked the lawyer, and I'm not guilty of any breach of contract!" Sendy retorted.

"I fully believe this, then you can choose to have your lawyer sue us, and if the court rules against the company, I am sure that the company will give you very generous compensation. James said.

"Fake, James, you scoundrel, I see, you're playing tricks on me, I'll make you regret it, and your company, to hell with it!"

James shrugged his shoulders senselessly, "Okay, if that makes you feel better, I don't care." ”

James hung up the phone and sat down in his office chair, but after a while there was a knock on the door of his office, and a white man ran in in a panic and shouted, "James...... Head, it's not good!"

James frowned at this: "My brother, you have to remember that as a qualified gentleman, what you need to maintain at all times is elegance, no matter how rude the other party is, otherwise you are destined to not be a person of high society." Just like me, someone called me just now, but I still maintain an elegant posture, wouldn't that be nice?"

The man nodded stunned, and then James asked, "So now, can you tell me what happened?"

Only then did the man suddenly react: "Oh, that's right, just now Conway Law Firm called and said that forty people from the three communities of Da, Bailey, and Kuner had filed for personal bankruptcy with their respective courts at the same time. ”

"Forty people filed for personal bankruptcy at the same time, are you sure you're not fooling me?" said James, meaningfully.

"It's true, you know my dad worked in the courthouse, that's what he told me, and he asked me if so much personal bankruptcy would have an impact on our company. The man said.

"What's the impact? The court will auction off their house, and the proceeds of the auction will be used to pay off the debt, and now that Brighton's real estate business is booming, if we can find a way to deal with these auction assets, we might be able to make another profit!" James said happily.

Unbeknownst to the happy James, however, the same news spread in several offices next door, and eventually it reached Brooke, the chairman of Brooke Investments.

Brooke couldn't sit still when he got the news, after all, he was very different from James, he knew very well what the subprime loan market was like now, it was no longer everyone's loan, as long as the borrower's collateral was auctioned off. Due to the rise of the CDS market due to credit default swaps, all subprime loans have signed CDS insurance contracts, and CDS contracts have been speculated to sky-high prices.

In other words, under the speculative atmosphere of the CDS market, the profits of CDS contracts have been pressed to a very low value, that is, the stability of real estate and subprime loans has maintained the credit value of CDS, and once a large-scale subprime loan default occurs, then the CDS market will be immediately terminated by the market, and the market that has been maintained will collapse instantly.

Of course, Brooke doesn't care who owns these CDS contracts that have almost lost their profits in the end, and he doesn't care which companies will go bankrupt in an instant, and the CDS contracts he holds can be sold before the crisis erupts, but the subprime loan is something he can't cross anyway.

The reason is simple: if a company that holds a CDS contract goes bankrupt, it means that it loses its insurance.

You must know that all the subprime loans you have lent out are all borrowed from the bank using the principle of leverage, and the loan amount is forty times the total assets of the entire Brooke Investment Company.

In the face of such a huge number, even if he is a veteran Senator Brooke, there is only one way to go through immediate bankruptcy, and even the Addams family cannot save him, because his value is far less than ten billion dollars.

Brooke immediately arrived at the company and called all the important managers of the company for a meeting, including the newly promoted team leader James.

Brooke sat directly above the conference table, he looked around the conference room, and then said slowly: "Gentlemen, Brooke Investment Company has been established for five years, and you are all the best talents selected by the company, so can any of you tell me what happened, why our borrowers filed for personal bankruptcy at the same time, did you fire them all?"

The more Brooke spoke, the more excited he became, and in the end they all slapped the table angrily, and in the face of Brooke's anger, these people all lowered their heads, and no one knew what to say.

Brooke scolded at this: "A bunch of useless stupid pigs!"

Then he suddenly thought of something and said, "I remember someone who seems to have said this before, right? Someone received a call from the borrower saying that there is a Chinese who is inciting them to file for personal bankruptcy, who is he? Is he also in this conference room today?"

With Brooke's words, everyone looked at James who was sitting in the corner trembling.

Brooke looked at him as well: "The staff card on your chest told me your name is James, hello, I need you to tell me what happened." ”

In the face of Brooke's sudden question, James was completely blindsided, and he replied hesitantly: "Hello Mr. Brooke, I don't know, I just took that phone call, and I don't understand why they filed for personal bankruptcy together, and shouldn't they pay off their assets after bankruptcy? Maybe we can also benefit from this to make up for our losses." ”

"It's to make up for your own losses!no, it's supposed to make you a lot of money," Brooke asked, then his gaze swept over everyone in the room, "Do you all think the same way?"

For this question, from the general manager of the company to the secretary, they all shook their heads in denial, and they were all scolding James.

"Mr. Brooke, we definitely didn't think so, we all thought that this was the biggest loss for the company, it was all this James greed, he just used his prize money to buy a Porsche sports car, he said he still needed a villa, this is his greed, he is like a demon who can't get enough to eat, it's disgusting, but we don't think so!"

"I'm sorry I was wrong, I didn't think that way, and I'm all thinking about the company, Mr. Brooke, please trust me!" James, who reacted, immediately explained, but no one listened to him.

At this time, Brooke waved his hand: "Okay, don't say it anymore." ”

The conference room fell silent, and Brooke said to James again: "Mr. Jeffrey, I can ignore the previous matter, then next, I need you to convince those borrowers that they should stop filing for personal bankruptcy, or bankruptcy is okay, but all interest on each loan must be paid in full." ”

"How is this possible?" exclaimed James, "it is impossible to prevent borrowers from filing for bankruptcy without any preferential conditions, and they are already bankrupt, and it is even more impossible to recover those interest!"

"I'm sorry, but that's not on my radar. "All I know is that if you can't, not only will I get your winnings back, but I'll also have my lawyer sue you, saying that you have violated the rules and handled bad loans, and you need to take full responsibility for it, and you will face personal bankruptcy and at least 20 years in prison, I hope you can figure it out." ”

Brooke's words slammed into James's heart like a hammer, causing him to instantly despair and slump in his seat.