Can't I be rich?

Sean fell into deep doubt about himself.

Spicy than!

Just felt that he had money, and immediately, bigger expenses came out, and Sean only felt that the whole person was not good.

Lying on the sofa, I entered a state of lovelessness.

So, why!

Sean looked like this, looking at Shen Bi Dale, an old man in his 60s, holding his stomach and smiling.

"Don't laugh to death, and then think I'm murdering!" Sean looked at Shen Bi like this and rolled his eyes widely.

As for being so open?

Ah, as for it!

Shen Bi: As for it, it's too much!

laughed for a long time, until his stomach began to hurt, Shen Bi slowly eased up, but the smile on his face still couldn't be hidden, which made Sean very irritable.

"Alright, alright, look at you like this." Shen Bi smiled and pointed at Sean, "Actually, your situation is very common, or an inevitable phenomenon. ”

Laughing enough, Shen Bi began to explain to Sean that in fact, most rich people will have Sean's kind of trouble.

Unless the kind of rich people who don't want to make more progress and just want to enjoy life will be more relaxed.

After the development of a large company and a super-large company, even if it is the founder, it will actually become involuntarily, even if he wants to lie flat, he will be coerced, and he must work hard and struggle every day.

It's like a lot of rebels, do they want to rebel, they want to take the throne?

Mostly yes......

However, a small number of them were really pushed up, and they couldn't retreat if they wanted to.

is like a yellow robe with Zhao Kuangyin, at that time, he can't even rebel and ascend the throne.

Zhao Kuangyin does not ascend to the throne, so those who follow him below still want to go further.

The generals below don't want to go further, the personal guards below the generals, and the adjutant generals below still want to go further.

In the end, all the way to the bottom of those soldiers, the lower the bottom, the more they want to climb the peak, of course it doesn't matter if there are one or two of these bottom forces, but when the number reaches a certain level, the upward force like a volcanic eruption will push the people above to go up.

Zhao Kuangyin is not ranked, how can the people below be named marquis and worship the prime minister, they are not marquis and worship the prime minister, and how can the people of the next year become generals.

Right.

If Zhao Kuangyin is determined to be a diehard loyalist of Hou Zhou, then there is only one possibility, that is, Zhao Kuangyin dies, and the new leader is pushed up.

It's the same with these modern mega-corporations.

The founder feels that he has made enough money and is ready to enjoy life, and he has no motivation to forge ahead, so there is only one result, that is, the company's top management begins to think about his future and begins to dig into the company's corners.

Layer by layer, all the way to the bottom floor, all began to dig into the company's corners, and eventually the company was heavily indebted, bankrupt and liquidated, and the founder fell into the dust overnight.

Become a person subject to execution......

The result of the founder lying flat is that the bed collapses, and there is nothing to lie on.

Therefore, there must be a retirement system...... Ahem.

Where do you always sit, and the people below cannot enter...... How can there be seventy years of princes!

To get back to the point, after Shen Bi's explanation, Sean was in a much better mood.

It's also pitiful to think about Murdoch, who is obviously very single-minded, and likes a young and beautiful person with a good figure, but as a result, he doesn't have much time to enjoy life.

A lot of time and energy is wasted on 'meaningless' work.

At this age, the money has been earned, the rights have been gained, and the life is really too colorful!

Thinking about it, Sean couldn't help but laugh too.

Shen Bi saw that Sean suddenly showed a weird smile, his face was inexplicable, and his intuition told him that Sean didn't think of anything serious.

"Well, I'm too young to lie flat." Sean waved his hand and continued the conversation.

Shen Bi snorted and continued to chat with Sean about business, "The previous Sean Bank was a safe fund settlement tool and transfer channel for you, and it didn't even have the function of providing financial support, so the business scope has always been relatively narrow, but after the credit card business is opened, it will be different." ”

"That's right, I've also absorbed a lot of deposits, why don't I still have any liquidity available, what kind of plane are you doing!" Speaking of this, Sean got angry.

The purpose of running a bank is to use other people's deposits to develop their own business, but now it's good, specially, the money has not been borrowed, but they have been looking for money all day long, and they have become a gold-swallowing monster.

"You ......" Shen Bi pointed at Sean, then shook his head again, and put it down dejectedly, looking like you were hopeless.

"You have to figure out that you set up a bank for a different purpose than others, so naturally it is impossible to achieve that effect, this is common sense!"

"Don't you even understand how banks make money and why profit margins are so high?"

"Loan money out to make money!" Sean tugged at his neck, his face darkened, with such a simple question, you look like you're insulting my IQ.

"Huh, and then what?" Shen Bi sneered, "The bank wants to provide the interest rate to the depositor, and the interest rate on the loan is higher than the deposit, but it is about 2 points, and now the bank loan in Japan is only 1 point, which is almost lower than the deposit interest rate, how do you achieve a profit margin of 20-30%?" ”

Sean:???

"Small banks can't do this, they want big banks, for example, if they have a deposit of 100 million, the bank will lend this money to company A, but company A will not take the money directly, but will use it up in business activities All kinds of transfers, the law stipulates that business activities must go through bank transfers, this money, or within the bank, flows in various numbers, and the cash is still in the vault."

"The bank can also lend this money to BCDEF...... As long as the bank network is developed enough, then the money will actually stay in the bank, even if the customer wants to withdraw the money one day, there will be no delay. ”

"So, it's the repeated lending of money that creates such a high profit margin, understand?"

"So, what if a few of these companies have problems and can't repay the loans?" Sean asked with a frown.

"There must be a strict loan review system, there must be a mortgage, what are you afraid of?" Shen Bi spread his hands.

"Isn't this an empty glove white wolf?" Sean was shocked, and sure enough, it was the most profitable bank!

"Of course, why do consortia exist in the form of banks, with the successful laying of several submarine cables, after the data exchange between banks across countries and continents is more real-time and more convenient, the future society must be a social form in which finance dominates!"

"The larger the bank, the more abundant the capital, the development of the real economy must rely on a large amount of financial support and bank support, and the result will inevitably become the real economy completely for the bank to work." Shen Bi's expression was unprecedentedly serious, and he looked at Sean seriously and continued: "By controlling the flow of funds, financial institutions can completely achieve strict control over the world economy. ”

"Ultimately, you can control the economic situation of a country, a region."

"Because they can mobilize, or even drain all the liquidity of a region, directly leading to the outbreak of an economic crisis!"

Sean instantly thought of the future 98 financial crisis!

On the surface, it seems that the financial predators led by Soros hyped the Thai baht and drained Thailand's dollar reserves, causing the Thai baht to plummet and Thailand to suffer heavy losses.

However, Soros and they only emptied the dollar reserves at most, and Thailand's actual direct losses were several times that of this reserve, and the indirect losses were even more.

This is the consequence of the draining of funds, and the big conglomerates can do it.

Of course, being able to do it and whether to do it are two different concepts, just like having a nuclear bomb and throwing a nuclear bomb are not the same.

For the super-consortium, fame and credibility are more valuable, but, with the 'nuclear' button in their hands, the deterrent is here.

These super-conglomerates can talk to a country on an equal footing, or they can condescend and look down on a country.

Thinking of this, the corners of Sean's mouth couldn't help twitching wildly, damn, this kind of deterrent power is more subtle and peaceful than his giant ship cannons, but the power is not small at all, to be precise, it is more powerful.

Moreover, because it is obscure, it is not as straightforward as the missile bombardment, so there is less resistance and less backlash, and the responsibility for propaganda can be completely shifted to the local government, and it has nothing to do with the consortiums.

Finally, the consortium can also come as a savior, gain the greatest favor of the people, and then work hard to make a bigger sum of money!

Sean blinked, and suddenly thought of something that had happened in his previous life......

Suddenly the mood is even worse!

Damn, it's no wonder that none of the big conglomerates showed much interest in their umbrellas, including Old Man David behind them.

Even if DuPont is a little interesting, it is only an investment behind the scenes, and they have no commercial conflict with the umbrella so far.

It is foreseeable that in the eyes of the big conglomerates, this is just an idle chess, and the attention is not so high.

Thinking of this, Sean rubbed his teeth a little, does that mean that he is a clown in the eyes of others?

Is it an interesting topic for the bigwigs to talk about after dinner, and to add a little spice to their lives?

Old man David: Don't look down on yourself so much, you can still use it for Versailles, of course, not more.

Damn, Sean blackened his face and scolded viciously.

Shen Bi's brows furrowed tighter and tighter, "What's your situation today, it's weird, it's the second time, who are you scolding?" ”

"I'm scolding those big conglomerates!" Sean rolled his eyes and couldn't help but ask a little depressedly, "Then there is no way to take these big conglomerates?" ”

"No, you can't say that." Shen Bi shook his head, "If something goes wrong with this kind of big consortium or big financial institution, such as an economic crisis, a large number of enterprises go bankrupt, resulting in excessive bad debts and bad debts in the bank, and the bank is at risk of bankruptcy......"

"How?" Sean asked, glaring.

"The state will pay to help these financial institutions plug the holes, and do its best to rescue, even if it is to over-issue currency, even if it is to bear a large fiscal deficit!"

"!!" Sean shook his arm fiercely, "What the hell, the country is kneeling in front of big conglomerates?" ”

"Then if you want to say this, this is really kneeling to ask for food, that's it, how many countries want to kneel and don't have this door."

"No, this working people work hard to create wealth, but they have to be exploited by big conglomerates, and they have to pay taxes, and in the end, this money is always ready to take risks for big conglomerates to plug holes?"

"Then what do you see, otherwise why does everyone want to climb up and become a consortium?" Shen Bi spread his hands.

Sean was angry, "Then tell me how to plug the holes." ”

"Simple, most common, like a stock market crash." Shen Bi looked left and right, pointed to the tea set on the table and said: "This tray is the big conglomerate, this teacup is the stock market, and this teapot is the country." ”

"Now the stock market has crashed, and the tea keeps evaporating."

"What then?"

"Save the city!" As he spoke, Shen Bi picked up the teapot and began to pour water into the teacup, filling the water again, "Inject funds into the stock market and rescue." ”

Then, he picked up the teacup and poured the water into the tray again, saying as he poured it: "Then, the consortium took the funds out of the stock market and put them back in their own hands." ”

'Pop' the empty cup and put it back in.

"No, who will bear the final loss?" Sean asked, pointing to the teacup.

"Stockholders!" Shen Bi spread his hands, with a look of course, "Who made them not retreat when there was an injection of funds, and no one stopped them." ”

"No, this is information crushing, you attribute this mistake to shareholders, that's a strong word!" Sean slammed the table.

"I think it's funny when you say this, it's a powerful institution in the first place!" Shen Bi looked at Sean amusedly, "You, you are a member of the powerful class, you tell me this?" ”

Sean: "......"

Uh, well, forgot, ha, I'm a big capitalist now!

That's fine.

"Then, can't you save it?" Sean asked again.

"No way!" Shen Bi shook his head firmly, "Don't think that this is the public relations of a consortium, and then the government compromises, just to protect the interests of the capitalists, it is not as dark as you think, and it has to be saved." ”

"How many shares of big companies do these big financial institutions control, how much money flows in the database." Shen Bi said with a serious face: "I told you just now, 100 million deposits, repeated loans several times, more than a dozen times, in fact, there is not so much money at all, that money does not exist." ”

"It doesn't matter if a company collapses, there is a property mortgage, and the bank will not lose much, but if the bank collapses, what will happen to the money that does not exist in the first place?"

"Let me tell you, all the companies that come with loans will collapse, and even the upstream and downstream companies will be greatly affected, and the wave of bankruptcy that will sweep several industries will occur!"

"That can cause a country to collapse directly!"

"In comparison, what is it for shareholders to bear a little loss, even if the government bears a fiscal deficit, it must protect those big consortia and big financial institutions!"

"If you don't protect it, you can't do it, and if you don't protect it, the consequence is that everyone dies together!" A dead word was said by Shen Bi in a long voice,

Shen Bi pointed to the tea set on the table and said: "Capitalism, you have to understand, first there is capital, then there is ism, and then there is the country, to the current stage of development, the capital consortium is this tray, the teapot, the teacup and everything are supported by the capital consortium, and if the capital consortium falls, the country will also fall, and all will die!" ”

"Only with a capital consortium can there be a country!"

"If the capital consortium does not fall, the country will always have a way to exist, and when the capital consortium arrives, the country will be completely gone!"

It's all dead, and it's not certain that something will be born on the corpse......

Sean was silent for a while, and the memories began to churn in his mind, and he thought of several things, the 08 financial crisis, and the US government saved Wall Street at any cost.

Of course, something more specific that Sean didn't know was actually much more serious than he thought.

On November 24, 2008, after two days and nights of negotiations, the U.S. government finally extended a helping hand to Citigroup, the second largest commercial bank in the United States, before the early morning of November 24, 2008.

If the government does not bail out Citigroup or the bailout is not successful, it will be a catastrophic event for the United States and even the international financial market, because investors lack confidence in Citigroup's prospects, especially the concern that the group has hundreds of billions of dollars of real estate-related debt, which triggered a stock market crash, resulting in a decline in the company's credit rating and an increase in financing costs, if customers lack confidence to withdraw from banks, depositor runs, Citigroup simply cannot cope, As a result, the government had to come to its rescue.

In fact, where is real estate so simple, the Citigroup consortium is one of the eight major consortia in the United States, with Citibank as the core, is the most enterprising consortium, and it is precisely because of the rapid expansion that it has fallen into crisis, and its business scope includes the arms industry such as rockets, missiles and aircraft, and the civilian industry such as electronics, chemicals, petroleum and non-ferrous metallurgy, etc., the US government does not dare to let Citibank go bankrupt.

In fact, earlier in October, the U.S. Treasury Department planned to use $250 billion of the $700 billion bailout package to buy shares in several major domestic financial institutions and provide a three-year guarantee for interbank loans.

The financial institutions that received the 250 billion bailout funds include Goldman Sachs, Morgan Stanley, ****, Bank of America, Merrill Lynch, Citigroup, Wells Fargo, Bank of New York Merlon, and State Street.

Citigroup and **** will receive $25 billion each, Bank of America and Wells Fargo will receive $20 billion each, Goldman Sachs Group Inc. and Morgan Stanley will receive $10 billion each, and New York Bank Meron & Co. and State Street Bank will receive $2 billion to $3 billion each.

Wells Fargo will each receive another $5 billion for its acquisition of Midland Bank and Bank of America for its acquisition of Merrill Lynch.

At the same time, in an effort to stop the collapse of the financial system, the governments of France, Germany, Spain, the Netherlands and Austria launched their own bank rescue plans on October 13, amounting to 1.3 trillion euros.

Among them, the German Ministry of Finance provides 500 billion euros in loan guarantees and funds.

French President Nicolas Sarkozy announced a €360 billion financing plan, including €320 billion in loan guarantees and €40 billion in shares from major French banks.

The Spanish government used 100 billion euros to guarantee bank debt, and the Austrian government said it would guarantee up to 85 billion euros if necessary for banks facing difficulties.

HM Treasury plans to inject £37 billion into Royal Bank of Scotland, HBOS and Lloyds TSB.

East...... Save the city, ahem.

Anyway, Huang Shilang can have losses, but he can't die.

Pudong is Shanghai, Shanghai is Pudong!

Ahem......

"Alright, alright." Sean smashed his mouth, and suddenly laughed at himself, "I thought I had really become a character, heh." ”

Shen Bi pursed his lips and looked at Sean for a long time, just when Sean thought that the old man was going to stimulate him again, he said with a smile: "It's not as exaggerated as you think, character, you must be a character." ”

"Not to mention anything else, the deterrent effect of the umbrella is still sufficient, at least those consortia will not pinch you casually, and they will also use formal means to compete on commercial issues."

"Otherwise, the credit card business was injected with capital when it was just rolled out, where would it have allowed you to grow to this extent?"

"Cut off all your loan channels, start a business war against other industries, deplete your capital reserves, and then you will have to accept their capital injections."

"This is not a foul, it is a legitimate means of commercial competition, in the final analysis, it is just that your own strength is not enough."

"Besides, you don't think you really have any loopholes in you for people to catch."

"For those things you have done, use the power of the state to investigate you, you will die!"

"It's just because they are jealous, and the benefits are not enough for them to tear their faces and take such a big risk, so they didn't do it."

Sean laughed, so let's put all our energy into running the gun handle and the mouth is right.

Yes, that's what I thought at the beginning, it's definitely not an affiliate product!

Definitely not!

Seeing Sean happy again so quickly, Shen Bi pursed his lips, this happy little second coax is really coaxing.

Where can it be so easy to cut off financing channels, there is not only one consortium in the world, the competition between each consortium is also extremely fierce, one blocks you, one will win you over, and it will only push you to the side of others.

Besides, Rockefeller is not papier-mâché.

However, Sean is right, if it weren't for these two forces, Old David would not have let Sean develop freely, what if he played a good card to a pulp?

There is no competition within the family...... Well, there really is no one in this generation who can compete with him......

"I really think that you kid is lucky enough to catch up with such a good era, so that you can catch the tail of the era!" Shen Bi said with emotion: "You want to invest in the Chinese, a good idea, plus the fixed assets worth tens of billions of yuan that you got before, so that you have enough confidence to use financial tools to speed up the expansion." ”

"Coupled with the successful laying of submarine fiber optic cables, Sean Bank is expected to take advantage of this shareholder wind to catch up with those established consortia."

"Once this period has passed, and those established consortia have consolidated their advantages, it is almost impossible to find such opportunities."

Sean grinned at the sound and nodded heavily!

In the words of Middle 2, at this moment, Sean has a light in his eyes!

The umbrella or something was just a rudimentary means of the colonial period, and now, he wants to develop in the direction of a real big conglomerate.

Not tied to the state, but bound to the state!

When Sean comes, there is a country!

What is the foundation of eternity!

So...... How does the money come from......