The huge surprise completely surrounded Sean, and a turquoise light burst out of his eyes, flashing and flashing, and the old man Shen Bi only rolled his eyes.

After scolding a few words silently, Shen Bi turned his head away, the villain is ambitious!

Sean really didn't expect that his bank would suddenly be so valuable!

He tossed for so many years, and for the first time he saw the money back!

The days of suffering are finally coming to an end!

Tears in my eyes!

Excited, happy, a bitterness, surging from the bottom of my heart, shiitake mushrooms, blue thin!

There is a reason for being sad!

Sean looked up to the sky and sighed!

Shen Bi stomped his foot angrily and pointed at Sean's nose, "I warn you, don't be endless!" ”

In Shen Bi's eyes, Sean might as well let out a villain's wild laugh.

Sean Bank has sprung up and successfully entered the top 100 in the U.S. financial industry, a great happy event, who do you show with a sad look!

Versailles Ben Race yes?

This man is truly abominable!

Sean came back to his senses and looked at Shen Bi: I didn't, I'm not, don't talk nonsense!

"Listen to me, old man." Sean looked at Shen Bi with a 'serious' face, and his tone was soft with a hint of melancholy, "At the beginning, it was originally to set up an umbrella for the purpose of selling fake wine escorts, but as a result, the fake wine business has been completely abandoned, and the umbrella has become the largest company in its hands and the most important force." ”

"At the beginning, Sean Bank, which was established for money laundering and turnover convenience, has been abandoned as a result of the black business, and the gray income is abroad, which has been cleaned through the national system, but Sean Bank has directly turned over and become the most valuable company in its own hands."

I, the dignified traveler, the company that took the initiative, what Husky Energy, what terminal business, what shipping, what Sean Films, what New Century Media, what Staples Center...... There's no fucking one to fight for yourself!

It's still a fucking money-losing thing!

As a result, the accessories were prepared for them, and they were all fucking successful!

My heart is sad, who can understand!!

Let's just say that New Century Media is really good, and it has mastered part of the mouthpiece function, especially the mouthpiece of the United States, which is indeed of great help to Sean.

However, the valuation of this thing is really not high.

What is the status of New Century Media in the United States?

It is the second largest cable network and the top 10 media groups.

Bad words......

Whoever dares to say Sean will dare to beat him!

Mainly, according to the media group, there are ATT, Fox, NBCUniversal, Consc Carter, Viacom, News Corporation, and ABC......

Yes, Sean is at most comparable to Fox, not to News Corp.

News Corp is not only in the United States, but also abroad The Sun, The Times, Sky TV, Asia Star Media......

The other companies, well, Sean Pictures did make a lot of money, but Sean really didn't look down on this money.

It is said that it is the eighth largest in Hollywood, but in fact, the eight largest Hollywood companies are just like that, just putting gold on their faces, and the global movie box office is less than 10 billion US dollars.

Other industries are still in the net investment stage, and there is no money to be seen at all.

Including the stocks of technology companies that Sean has been acquiring, stocks are floating profits before they are sold out, and they are countless.

Besides, it's not time for the tech industry to explode.

Even if it's an umbrella, this thing can't be calculated as a market value, and there are only a few people in the world who are qualified to intervene.

Those battleships are indeed good things, valuable, but those who are qualified to buy them don't want to buy them, and those who want to buy them are not qualified.

The east side is crying, and Sean doesn't dare to sell it.

So......

"I'm special!" The old man Shen Bi was furious, "And said that you are not in Versailles!" ”

"Well, woohoohahahaha, you've found out!" Sean burst out laughing, a bit ordinary indeed.

After laughing for a while, Sean sat down and stretched out his hand to wrap his hand around Shen Bi's old man's shoulder, "Whisper, how can the valuation skyrocket several times at once!?" ”

The old man Shen Bi struggled a few times, but the old man couldn't break free of Sean's arm because he couldn't break free, so he could only snort and continued: "The credit card business is favored by the entire financial industry. ”

"Although the 25 million card-making users account for only 10% of the entire U.S. population, customers are relatively concentrated in the homewife and middle class."

"There are no teenagers, and a very small percentage of blacks and Latinos are also wealthy, so if you calculate the proportion according to the group that actually has spending power, it can reach the horrible proportion of 30%."

"The overwhelming advertising, plus the fact that it doesn't cost money to apply for a card, and there are gifts to give, plus only our bank can provide similar services at present, so it's ......"

"It's my bank, not ours!" Sean interjected with a smirk.

Shen Bi: !!

Roll on!!

The old man couldn't bear it anymore, he didn't need to endure it anymore, and turned his head to Sean's chest, "Bang", "Bang", "Bang",

Heaven punish sluts!

Sean hid while laughing, hammered, laughing and coughing, ah, so much fun!

Hammered Sean with more than a dozen punches, the 60-year-old man Shen Bi was tired and panting, his face was flushed, and his head began to steam.

How can there be such a slut in the world, God!

"Alright, alright, don't be angry!" After Sean stretched out his hand to appease him, he couldn't help but say again: "It's quite old, as for it, you can't afford to joke, what about your bearing, what about your self-cultivation." ”

"You still say!" Shen Bi was angry and wanted to beat Sean again.

Not to mention Sean, Lorraine on the side began to roll his eyes.

Norris would have wanted to beat Shaun if he wasn't afraid that Shaun would have dropped him on the excavator and played with a big pendulum.

Torre didn't even look away, for fear he couldn't help it.

"Okay, well, the main thing, I really had a good day." Sean hurriedly raised his hand in surrender.

It took a long time to appease the old man Shen Bi.

"Now, there are not many merchants who provide credit card machine services, new things, even if they think it is very convenient, but there are stubborn people, not to mention the need to open a new account in Sean Bank."

The reputation of Sean Bank has just come out, and many merchants are not so trusted, and there are more commercial banks that have suddenly risen in the United States, and how many have persisted.

To put it mildly, the surge in business volume can make a bank suddenly rise, but very few can maintain it, and it is currently a Wells Fargo bank.

Most of them are declining because of the explosion of business volume and their own management and services cannot keep up, and the other part is due to the expansion of the business leading to the expansion of the top management, and finally fall into chaos due to blind expansion.

Anyway, the final solution is basically to be annexed.

Of course, behind this is also the black hand of those big financial institutions and consortia.

However, one thing is for sure, Sean Bank's credit card business does provide convenience, and the future of money is a certainty, so the business valuation has skyrocketed.

Now if you want to acquire Sean Bank, including the credit card business, it is impossible without 20 billion, of course, Sean will definitely not sell it.

After all, the credit card business is actually a platform, and the scope for scaling on it is too vast.

"Still." Shen Bi looked at Sean and said: "In order to promote the credit card machine, we, no, you, you, you have set a lot of preferential conditions for merchants, and we have no income from our credit card business now, and we are still in the net investment stage." ”

"And, seeing the benefits of this business model, according to the news sent by Rockefeller's office, several major financial institutions and consortia, such as Big and Small Plastics, Goldman Sachs, etc., are making plans to develop credit card business."

"Fack, Fack!" Sean was furious on the spot when he heard this, "These damn plagiarists! ”

Damn it!

Seeing Sean's angry appearance, Shen Bi became happy all of a sudden.

Sean scolded for a while, but he could only gasp and sulk, and there was nothing he could do about it.

A good business arises, and plagiarists follow up is inevitable.

It's like what is the Chinese Amazon, the French Amazon...... Unstoppable.

What's more, it is these super-large financial institutions and consortia that control hundreds of billions of assets that control hundreds of billions of dollars.

If it weren't for Sean's own huge influence, which could not be manipulated at will, and there was a Rockefeller behind him, those financial institutions and consortia would directly attack the banks.

Of course, the start is also in accordance with the rules of business, in fact, it is not black.

It's not kindness, it's mainly a matter of reputation, you can't save a few dollars, and there's no need to ruin your reputation.

The means are mostly inducements, providing various conveniences and making venture capital at the same time, acquiring most of the shares.

For these consortia, instead of doing it themselves, wasting a lot of manpower and material resources, and engaging in brutal business competition, it is better to invest directly in acquisitions.

After acquiring most of the shares, we will help you suppress, buy other followers, support and grow, and intercept the maximum benefits.

However, Sean clearly does not need to accept their investment.

He is not short of cash, and it is a big deal to grab ...... Ahem.

For help other than funds, Sean himself can use public relations from the government, or he can find Rockefeller, so this has caused this situation, and a large financial institution and consortium will do it himself.

What Sean can do is to try to use the first-mover advantage to maintain the existing market share, improve the quality of service, and try to maintain an advantage in the competition.

"So, do you have any new ideas?" Shen Bi tilted his head and looked at Sean with some expectation in his heart.

This guy is a little bit unlearned, and he is a little rude and reckless, but his ideas are really wild.

If you want to maintain an advantage in the competition with which consortiums, ordinary methods are simply useless.

Sean rubbed his hair, frowned, crooked his mouth, looked hideous, and used his brain hard.

It really took a lot of effort, and you can see it from your expression.

"No, no way!" For a long time, Sean said suddenly.

"Oh, tell me." Shen Bi suddenly became interested.

At his age, the soil is buried up to his neck, and his desire for money is no longer high, and he cares more about challenges and new scenery, interesting things.

If it's not a dead body, who cares about any interesting souls......

"Damn, it's going to cost a lot of money again!" Sean said with an ugly expression and scolding.

"Poof, hahahaha." Shen Bi burst out laughing.

He said that the 2 billion that Sean got a few months ago will definitely not last much time, and it will definitely be spent by the end of the year.

Shawn tossed such a big situation in Malaysia before, and got tens of billions of assets, Shen Bi also felt that this time Sean was going to break the convention and would not make himself out of money again.

Now it seems...... Dogs can't change eating!

Sean glanced at Shen Bi angrily, dead old man, special, really annoying!

A few people next to him also shook their heads with a smile, this old and one young are really.

Shen Bi laughed enough, then looked at Sean and asked, "Come and talk about it, how are you going to bankrupt yourself and make me happy." ”

"Get out!" Sean glanced at the old man, and then said: "Actually, in my opinion, credit cards are a platform, and there are many products that can be derived from it. ”

"For example, if someone's monthly income is $5,000 and his credit card limit is around $3,000, but now, he urgently needs to attend a high-end banquet, and he needs to dress to make himself look in line with high society, which is a lot of money, $10,000, far more than his credit card limit and deposits, and he can't use his card to spend, so what should he do?"

"We can actually open a business, credit card loans, credit loans, and change the time for early consumption from one month to three months, half a year, one year."

"After he spends, he can repay the money through the credit card in installments, and directly cross out 1,000 yuan when the credit card is renewed every month......" Sean gestured, and Shen Bi understood what Sean meant.

"It's the same as buying a car and a house, except that this doesn't require a mortgage and uses a credit loan." Shen Bi concluded.

"Yes, that's it!" Sean clapped his hands and nodded.

What is advanced consumption? JPG

American people, thank me Sean, in the future, you will not only inherit the legacy of your elders, but also inherit their flowers......

Are you ready for the horrors of Huabei!

When Huabei is done, I will borrow it for you......

"It takes a credit system." Shen Bi is an old banker, and he thinks more deeply, directly to the specific operational level.

"Yes, we need to establish a credit evaluation system on the existing credit card users, the formula is still something, then I don't understand, anyway, it is easy to have bad debts and bad debts, so this evaluation system must be very scientific."

"And, let me tell you, once this credit evaluation system actually works, we can completely promote the results of this assessment."

"This can be needed by many industries, and even when hiring, HR wants to find someone with a good reputation, not someone who owes a lot of bad debts."

"This is the standard, and it's the standard for people!" Old man Shen Bi stood up abruptly and looked at Sean with a shocked expression.

First-class enterprises do standards, second-rate enterprises do brands, and third-rate enterprises do products.

How powerful are standards?

Enterprises have the right to speak on industry rules, and can seize market opportunities and obtain huge economic benefits by virtue of patented technologies that formulate industry standards.

Of course, if Sean can turn the credit system into a personal credit rating standard, although there is no patent or anything, he will not get less economic benefits.

Information is money!

Anyone who tries to call up the data will have to pay money!

"Alright, alright, sit down, it's all basic exercises, don't six!" Sean sat back on the sofa, leaning on the back of the sofa with one hand, and waved his hand with a 'breezy face', "This is where it goes, there are more other applications." ”

The corners of Shen Bi's mouth twitched, here, here again, full of anger!

"For example, we can make a database for merchants to use, all the data of credit card consumption is on it, they can easily see, a certain week, a certain month, which products sell the best, which ones are not cared for, which time periods are the peak of consumption, which time periods are scarce, which age groups like which products, women, men, the elderly, children, ......"

"I think this data is extremely important to merchants, and these things, raw cash transactions, are very difficult to count, right?" Sean said with a smile.

Shen Bi nodded heavily, indeed, very important!

The bigger the store, the higher the importance, it is not that there are no company statistics before, but it is definitely not so convenient, fast and accurate.

"Moreover, we can also make a big database ourselves, counting the data of all parts of the United States, consumption, consumer products, number of consumers, single consumption, and so on."

"We can also help companies that need to conduct product research, actual product sales, in different regions, consumer groups, etc., these statistics, can those companies spend a lot of money to buy?"

Shen Bi nodded again, this is too capable, and the price is very high, a unique business!

"We can also make statistics on the market in the United States, make a monthly, weekly, daily national consumption curve, as long as this data is large enough, wide enough, we can even judge in advance the future market situation of a region, the future economic development, whether the economy is growing or declining."

"We can even say when the crisis of an industry will come, when the crisis of the language economy will come, this is not awesome enough!" Sean waved his arms, and the more he spoke, the more excited he became.

This is throwing out the big data theory in advance, although it can only be counted through the credit card system now, but this has already shocked Shen Bi into a fool.

",!" Shen Bi said dumbfounded.

If you can really do this, it is really equivalent to seeing the general trend of future development, and it is impossible to lose money!

Of course, it's too hard, too hard.

Where Shen Bi sits, he has been digesting Sean's words, this brand-new concept makes this old man who retired in the 80s seem to see a 'god'!

So much so that the imagination of the brain can't keep up for a while, it's too sci-fi!

In a trance......

This state of affairs lasted for several days.

Until......

"The idea is really good, it's good, and if it comes true, then life will be invincible." Shen Bi looked at Sean, at this moment, he was indeed a little convinced.

What if you don't learn and don't know how to be rude, what if you are rude and reckless, these are not important, success is actually very simple, whether you have good ideas or good ideas.

This is like scientific invention and creation, the most important thing is not the 99% effort, but the 1% of inspiration.

"It's just, it's going to take a lot of money, a lot of money." Shen Bi tilted his head to look at Sean, "Are you ready?" ”

Sean's hand holding the teacup stiffened in mid-air, and the tea flowed down the edge of his thigh, snorting!!

Quickly grabbed his pants, and Sean was hot and only shouted.

Shen Bi didn't seem to see it, and said with a smile on the corner of his mouth: "At least, we need a supercomputer, the kind that starts at hundreds of millions." ”

Sean took the ice pack from the maid and pressed it on his lap, then sat down again, and looked at Shen Bi with a depressed face.

Oh, the old man's imagination still can't keep up.

That's more than just a supercomputer......

In particular, even if it is only statistically stored tens of millions of people's daily consumption data, with the current storage and computing speed, a database array covering an area of several thousand square meters is necessary.

Oh, and by the way, at least have a backup of your data......

The daily power consumption alone can be devastating!

Spicy than!

At the current price of the electronic market, if you throw this money into it, you will just make a splash.

Shit!

Suddenly, Sean had a hunch that he had become a big loser again.

Those cute little money flapped their wings, and Bling flew away.

Geneva!

But, if you have an idea, an absolutely good idea, just throw it away and don't use it?

How can you bear it!

Sean only felt that his legs were no longer hot, but his brain was very hot.

The man lay on the couch with a painful face, and picked up the ice pack and put it on the door of his head.

He needs to be calm.

After a long time, Sean sat up listlessly, "I must do it, little by little, I want to develop statistical software for special providers, we only do data storage and query, and those complicated ideas are all postponed." ”

"A little bit."

"Now the network transfer speed is only 56KB, which is a big problem."

(In 1986, the National Science Foundation created NSFnet with a backbone network speed of 56KB/s.) ）

That's right, the future of network access is in the hands of AOL and AT&T...... Do you want to invest some money?

The jumbled thoughts swirled around in Sean's mind and were thrown out.

"Let's get the system and database up first." Sean sighed, he doesn't know what shit is for a software company, it's completely different.

This will definitely have to be outsourced, either to Microsoft or Oracle.

Both of them have been buying shares for a long time, and the stock price is not high now.

There are some thoughts in my mind, do I want to use this opportunity to officially get involved in Microsoft and Oracle?

"Okay, who will show you a sad face!" Shen Bi scolded Sean, and then continued: "Let me tell you two good news, first, the transatlantic submarine communication cable TAT-8 system has been successfully laid, that is to say, the credit card business can already connect the Americas and Europe!" ”

"You have to think about continuing to invest in Sean Bank, a larger percentage of the investment, we want to expand our business in Europe, those top financial institutions don't give you time to take your time, you don't take the market, they take it!"

"Is this good news?" Sean's eyes widened suddenly, "Is this bad news, and it costs money?" ”

"Isn't it good news that Sean Bank will officially set foot in Europe, a big global bank, with an expanded reach?" Shen Bi looked at Sean with a smile.

"Well, that's fucking good news!" Sean gritted his back molars and said, "What about the other one?" ”

"There is no accident that the submarine fiber optic cable across the Pacific Ocean will be successfully built next year, and the real-time data exchange between Asia and the Americas will be completed, and the business scope can be expanded, which is undoubtedly the best shot in the arm for your Asian investment banking plan!" Shen Bi said with a laugh.

Sean clutched his chest and collapsed on the couch, his body twitching unconsciously.