The slender Maybach drives through the streets of Manhattan, with its constant traffic and rush crowds, making up the most prosperous area of the city.

Andy has been thinking about one more question, as a soul of the Celestial Empire, he is very interested in these families of the American imperialists, after all, he now belongs to the top circle of the American imperialists.

Just like the coming subprime mortgage crisis, why do most of the investors dressed up as ordinary people lose money?

Why did the Morgans, the Bushes, the Kennedy families, the Smiths, and so on, and so on?

Because their predecessors sold weapons to warring parties during the Civil War, traded with the Axis powers during World War II, and profited from various defenses of the United States!

Andy found that as ordinary investors, their weak position in the capital market is simply incomparable, and the so-called wealth is overwhelming, and the vast majority of the so-called wealth is a dream or "temporary hand, flying away"!

Money, like a trickle, from the bottom of each earning salary, through the complex framework of the financial theoretical framework, layer by layer, step by step, converges down, and finally the money flows into the "pocket" ---- their pocket!

On Wall Street, Maybach slowly stopped on the side of the road, and the car of Alvitatlet and his party had been waiting in front of the Moody's headquarters building for some time.

Seeing Andy get out of the car, both SUVs opened their doors, and six people in suits and leather shoes quickly walked to Andy's side.

Andy nodded to everyone, and took the lead in walking towards the building, and the appearance of a group of people attracted the attention of many people, and some people recognized Andy, and they couldn't help but be slightly stunned.

As soon as Andy entered the building, someone came up to greet him and politely guided everyone to the exclusive elevator.

In 1975, the SEC recognized Moody's, Standard & Poor's, and Fitch as nationally recognized rating organizations, and since then the three companies have begun to monopolize the international rating industry.

The oligopoly effect means a strong capital market voice, and they may want to put rating pressure on some small companies to obtain excess profits. Just as it is absurd for the three congresses to prescribe a medical certificate of good health to a dying patient with enough money, the erroneous report pushes a well-run company to the brink of destruction, and even infinitely magnifies the potential crisis of a country.

They play this game very slippery, and it's not once or twice that they do this, as long as they have enough benefits, they can even sell their souls, well, this sentence is rotten, but it best reflects their essence.

In the office of the CEO of Moody's Corporation, Raymond put down the phone and said to the old man sitting opposite in a respectful tone: "He's here." ”

The gray-haired and a slightly bald old man, dressed in a decent suit, the shirt inside was white but not new, and gently supported the black-framed glasses on the bridge of his nose, his eyes were bright and deep.

"Very interesting young man, let's hear what he has to say... ”

With that, he got up from his chair, slowly walked to a door in the office, opened it, and walked in.

Andy walked Al and Bud into the CEO's office, shook hands with a smiling Raymond, and took their seats in the lounge area of the office.

"To be honest, a lot of people on Wall Street are paying attention to your movements, Mr. Smith, and it's surprising that you're going to choose Moody's. Raymond did not choose to go around in circles politely, but said meaningfully, hoping to unexpectedly disrupt the rhythm of young people, so as to quickly get the answer he wanted.

Andy just smiled calmly, ignored the other party's temptation, and asked directly: "Why is the rating of MBS with such a high default rate still 3A?"

Raymond frowned slightly, and then said perfunctorily with a smile: "MBS has a stable yield, low risk, and is backed by two houses, so it will naturally be 3A-level, is there any problem?"

"Hehe, thank you. Andy smiled very brightly, and was not annoyed by the other party's perfunctory, but after saying thank you, he stood up, stretched out his hand and shook it in the other party's different gaze, and said, "Sorry to bother you, thank you for your answer." ”

Then Andy was stunned by the other party, and walked out with Al and the sunken face of Bardeston.

"Mr. Smith, please wait a minute... ”

Andy stopped, looked back with a smile and said, "Mr. Raymond, is there anything else? ”

"Mr. Smith, did you just come today to ask that question?"

"Of course, otherwise, I'm just confused, I'm very satisfied with your answer, thank you, and at the same time let me understand a sentence, you can never wake up a person who pretends to be asleep... Nice to meet you, please stay. ”

Raymond watched a little speechlessly as Andy turned away with a smile on his face, as if he had really just come to ask that simple question.

Click.

The door to the lounge in the office opened, and the old man came out with a heavy face, sat down in his chair with a heavy groan, took off his glasses, took out a handkerchief from his pocket, and wiped it slowly.

"Mr. Buffett, what do you think?"

Warren Buffett put on his glasses, his eyes flashed, and he said inexplicably: "Didn't he say it, he is trying to wake up the people who are pretending to be asleep, if he continues to be disappointed, he will make all the people who are pretending to be asleep have to wake up... ”

"Boss, where are we going?"

Andy said with a smile as he walked outside the building, "Just around the corner, the next stop is Standard & Poor's." ”

。。。。。。

In the Morgan Stanley conference room, the person sitting at the head waited quietly for an answer from the person standing next to him with a mobile phone.

"Sir, he went to Standard & Poor's... ”

"Everyone, you should have read the information sent this morning, Howie Schibler not only deceived the customer, but also deceived us, he will be sent to prison, then, 16 billion swap contracts, 9 billion losses, how can we make up for the loss? This financial turmoil is imminent, will the government come to the rescue? We are already selling a large number of junk bonds, but everyone is not stupid, who will continue to take over now?"

There was silence in the conference room, everyone had gloomy faces and frowns, and if there was no solution, they would all lose a lot, and Morgan Stanley was already firmly shrouded in the risk of bankruptcy.

“。。。 The price of CBS is set by us, and we still refuse to buy those toxic bonds at a high price according to the previous practice!"

"Yes, even if there is a financial crisis, the government will definitely not watch Morgan Stanley go bankrupt... ”

Voices rang out one after another in the conference room, and all kinds of attention came out one after another.

"Can any of you tell me how tightly we control our cash flow, and what type of credit do we have?"

The audience fell silent again, looking at each other one by one, until an uncertain voice sounded, "The data shows that the situation is getting worse and worse!"

"Damn, the 15 billion VAM swap agreement, of which 4 billion is still in the hands of our subsidiary! Everyone, let's discuss how to deal with the VAM agreement in the hands of the one who sent us the information and is going to Standard & Poor's... ”

"I went to Greg and asked him to sell the VAM to the parent company at a low price... A black woman said with some hesitation.

"Are you sure?"

"I can only try, after all, we are bankrupt and Greg's company will be implicated, I think he will understand. In fact, black women also know that they are very likely to go home empty-handed, after all, the benefits of $4 billion are not something she can talk about.

"Andy Smith... ”

When the CEO said this name, everyone in the audience frowned, and their faces were bitter, not because of how powerful Andy's family was, but because of the $7.2 billion gambling agreement in his hand.

This Nima is almost going to die!

"Maybe it's just that people are overly worried, but in fact, there won't be any financial crisis... ”

"Smack!"

The CEO of Morgan Stanley slapped the table and glared at the person who had just spoken, "Get out, pack your things, you're fired!"

Everyone in the conference room was gray and silent.

"Let's talk to him ... ”

"Buddlestone and I are friends, and I can go and find out the bottom line. ”

Andy walked out of the S&P headquarters building with a faint smile, chuckled, glanced back at the towering building, shook his head, and walked to the Maybach door, about to bend down to get into the car.

"The boss, someone from Morgan Stanley, wants to ask me to meet. Badstone had the phone in his hand, and a smile finally appeared on his gloomy face.

"Go ahead, do as agreed! JPMorgan Chase, UBS, Citibank, and the Plaster Nation are all interested in their company. ”

Bad Stone nodded and turned to leave, Andy said to Alvitatre: "Ignorant Deutsche Bank, I think I should also see the reality clearly, you go back to the company, I will go to Newsweek Building, I need to make a copy of the cover of the next issue to the two major rating companies." ”

In the speeding car, Andy looked at a cartoon drawn by himself with a smile on his face.

The ruins of Wall Street were covered with corpses, and the representatives of the two major rating agencies shouted with crocodile tears, "Why is this happening?" and the surrounding ghosts shouted around them with their teeth and claws, "We also want to ask you why this is happening!"

Pointing the finger at the two institutions and killing people may not have much effect before the crisis erupts, but when the subprime mortgage crisis erupts, the Financial Crisis Investigation Committee and Occupy Wall Street, which is composed of the US Senate, will find a clear target.

Of course, Andy is just a means, everyone can sit down and talk, but when the time comes, the roles that need to be visited need to be reversed.