There are three credit rating agencies in the United States in different time and space, and the credit ratings rated by these three institutions are basically universal. Pen % fun % Pavilion www.biquge.info

After all, the United States is a credit society, so the role of credit rating agencies is very large, and at the same time, the amount of wealth earned every year is unimaginable.

But even so, these three rating agencies will still make unreliable ratings for a little 'small profit', and I have to say that they dare to do anything for money.

Of course, there is one key factor at play, and that is that if all three agencies don't do that, then their customers will go back to the other rating agency and give the money to the other guy.

Therefore, in order to retain customers, rating agencies have to 'reluctantly' make inconsistent ratings.

And in addition to the money they can get with the normal rating, they will secretly charge additional benefit fees, so why not do it for this business.

Anyway, the outside world just doesn't know.

As a result, the subprime mortgage bonds, which were already worthless and were made up of junk mortgages, turned into excellent financial products with AAA credit ratings, and then sold to uninformed investors.

It can be said that the hearts of these guys are extremely black.

But then again, which of these capitalists on Wall Street is not black-hearted, if not black-hearted, then there is no way to survive on Wall Street, because this is a pond full of big crocodiles, and if you want to survive, you have to devour others.

"I received the news that the rating agencies were going to downgrade the Wheatstone Bank's credit rating, mainly because of Nevada's oil interests, so as you can see, now those three credit rating agencies have completely become the lackeys of those guys on Wall Street and have lost their due justice. ”

While Kim Hyun-tae was pondering, Anne spoke to him with some interest, and it was clear that Anne felt that those who did this in order to get a stake in Nevada Oil Company were a little boring.

Hearing this, Kim Hyun-tae sighed and took Anne's words.

"I've learned that the three credit rating agencies, Standard & Poor's, Fitch and Moody's, have an intricate shareholding structure behind them, which is basically supported by the financiers on Wall Street, so it's not surprising that they use it. ”

Anne nodded with a not very good-looking face, which can be regarded as agreeing with Kim Hyun-tae's words.

"It's a bit of a criticism that these guys are referees and athletes, but if I were on their side, I wouldn't be like them, so I can't blame them right now.

But I think it's time for me to have my own credit rating agency, or else I'll be led by the nose in the future, and I'm not happy with that. ”

Anne is right, it is true that the rating agency is controlled by the other party, which is not a good thing for Anne, after all, the public will blindly follow, once there is really something that Anne said about the decline of the credit rating of Wheatstone Bank, it will have a great impact on her.

Therefore, if you want to confront those people on Wall Street, you must have your own credit rating agency, and then you can directly confront the other party.

(Americans are this routine, although I don't write it very accurately, but the American routine is absolutely right, everyone see, Americans are not very obscene.) ）

From Anne's reaction, it can be seen that she is very serious about this matter, so Kim Hyun Tae reminded softly: "It's not so easy, it's been just these three rating agencies for so many years, obviously this field is controlled by those guys collectively, they won't allow another agency to be born."

If you could, others would have done it a long time ago, and are you the only ones who see the downside? Not everyone is stupid. ”

Indeed, Anne is not the first to see the disadvantages in this area, as there have long been people who have seen the shady scenes behind the credit rating agencies and are trying to get rid of the clamps.

Unfortunately, it didn't work out after all.

After all, the three major credit rating agencies are involved in the interests of all the financial predators on Wall Street.

It's the same with Anne.

Don't look at the fact that she now has a lot of wealth in her hands, and it seems that she has the strength to compete with these guys, but in fact, it is impossible for Anne to fight Wall Street alone.

Plaza Accord Anne makes a lot of money, but the same Wall Street predators make a lot of money.

From the perspective of financial resources alone, they have even more money than Anne, so Anne is at a disadvantage in terms of financial resources.

And the same goes for connections.

So many Wall Street predators have more connections than Anne alone.

Financially and well-connected, Anne wants to get involved in the credit rating industry, and the difficulties are visible to any fool.

It's no wonder that Kim Hyun-tae reminded Anne.

However, Anne did not flinch at all, but looked full of confidence, which couldn't help but make Kim Hyun-tae very curious, curious why Anne was so confident.

Soon, Anne's words unraveled Kim Hyun-tae's curiosity.

Seeing that the old god Anne was there, he said to Kim Hyun Tae: "As you said, this piece is controlled by those guys on Wall Street, and it is fundamentally possible for ordinary people to get involved in this industry, even if I want to touch the interests of this area, I will be strangled and devoured by these people."

Of course I wouldn't have done that before, but now it's different, and I see an opportunity, an opportunity to get involved in the industry, and thank you for that. ”

Kim Hyun-tae looked stunned, he didn't know why Anne said that, it seemed that he had nothing to do with it.

Looking at Kim Hyun-tae, who was stunned, Anne explained with a smile: "Isn't this an opportunity for the subprime mortgage crisis?" This will bankrupt the credit of the rating agencies they control, and completely lose the trust of the people, so this is not a good opportunity for me.

When the time comes, I'll need your West Coast media to expose more of these insiders, so that no amount of quibbling will be of any avail, and I can take advantage of it, even if they react, there is nothing they can do. ”

Kim Hyun-tae really hadn't thought about it, but after hearing Anne say this, he suddenly understood.

Not to mention, Anne's plan really has a great success rate.

How fierce the subprime mortgage crisis is, Kim Hyun-tae has experienced it in another time and space.

Although he was diaosi at that time, and the subprime mortgage crisis did not affect him very much, he could also get a glimpse of it from the TV news every day.

In short, the world's economy is wailing, which is not an exaggeration at all.

Only China, which has a relatively special economic structure, is a little better, but it has also been affected by the global economic crisis caused by subprime mortgages.

It was also from that time that the credit rating agencies in the United States became completely rubbish, and no one believed it anymore.

Therefore, if Anne takes this opportunity to get involved in this industry, there is really a good chance of success.

"When do you think this will break out?"

Kim Hyun-tae asked Anne.

Anne thought for a moment and replied, "It is estimated that it will erupt around 2020, and this year is 2018, which is two more years." ”

Basically, Anne's assertion is similar to Kim Hyun-tae's personal assertion.

So Kim Hyun-tae nodded and said, "It's basically the same as my argument, I also think that it will explode around 2020, but I still think it's a little slow in time, if only it could be faster, after all, I have to pay as much as $330 million in security every month, and I feel a little distressed about this money." ”

Indeed, Kim Hyun-tae's bet is not the end of the matter after making money.

He also needs to pay a large amount of security deposit every month, and this deposit is paid according to the proportion, so he needs to pay a lot every month.

According to Jin Xiantai's monthly margin of more than 300 million yuan, by 2020 or so, he will need to pay more than 10 billion US dollars in margin, which is definitely not a small number, and it is no wonder that he will complain about such a sentence.

And the subprime mortgage bond crash around 2020 is just the personal judgment of Kim Hyun-tae and Annie, what if it doesn't crash?

It's not impossible for this to happen.

If this happens, then Kim Hyun-tae's deposit needs to continue to be paid, which is a very painful thing.

Of course, Kim Hyun-tae also knows very well that the crisis of subprime mortgage bonds will break out sooner or later, so this is his confidence and the courage to pay the margin.

If it were an ordinary person, just the margin would make him scared and have no idea, or simply retreat.

But the deposit is paid month by month, which will still make Kim Hyun Tae feel not so comfortable.

Hearing Kim Hyun-tae complain about this, Anne 'haha' smiled, raised her hand and patted Kim Hyun-tae's shoulder twice, and said to Kim Hyun-tae: "I can't see it, you are still a guy who is quite a money fan."

But you don't want to think about how much you'll make out of it when the subprime bond crashes, so what does that little margin you pay count, it really makes me laugh to death, and you're really cute on the side of money. ”

I'm a big old man who is said to be cute, are you mistaken.

Kim Hyun-tae's face turned red, and he was a little depressed by Annie's words.

To know the age of Kim Hyun-tae's soul in his bones, it is older than Annie.

But now he is actually said to be cute by Annie, a 27-year-old girl, how can you make Kim Hyun Tae, an 'old man', not embarrassed.

Looking at Kim Hyun-tae, whose face was flushed, the more Anne looked at it, the more interesting she felt.

She suddenly had an illusion, as if she was now her big sister and teasing a little brother, which made her excited and excited at the same time secretly said in her heart [Oh, I'm really a bad big sister].