American TV series

Can't I have money?

Sean fell into deep doubts about himself.

Spicy!

Just when he felt that he was rich, bigger expenses suddenly came up, and Sean felt that his whole body was not well.

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

So, why!

Seeing Sean's appearance, Shen Bi was very happy. He was an old man in his 60s, holding his stomach and laughing.

"Don't laugh yourself to death, or you will think that I am plotting to kill you!" Sean rolled his eyes when he saw Shen Bi's appearance.

As for being so outrageous?

Ah, as for that!

Shen Bi: As for that, that’s too great!

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

"Okay, okay, look at your appearance." Shen Bi smiled and pointed at Sean, "Actually, your situation is very common, or it is inevitable."

After laughing enough, Shen Bi began to explain to Sean that in fact, most rich people would have this problem with Sean.

Except for the kind of rich people who don't want to make greater progress and just want to enjoy life, it will be easier.

After a large company or a very large company develops, even the founder will be unable to help himself. Even if he wants to lie flat, he will be coerced and must fight and struggle every day.

This is like many rebels. Do they want to rebel and ascend to the throne?

Mostly yes…

However, a small number of people are really pushed forward and cannot retreat even if they want to.

It's like Zhao Kuangyin is wearing a yellow robe. At that time, he won't be able to rebel and ascend the throne even if he doesn't want to.

If Zhao Kuangyin does not ascend to the throne, then those following him will still want to take a step further.

The generals below do not want to go further, the personal guards below the generals, and the lieutenants below still want to go further.

Those soldiers who finally reach the bottom, the lower they are, the more they want to climb to the top. Of course, one or two of these bottom forces don't matter, but when the number reaches a certain level, the upward force formed like a volcanic eruption will be hard to reach. Push the person above you upward.

Zhao Kuangyin has no rank, so how can the people below him be granted the title of marquis and worship the prime minister? If they don't grant the title of marquis and worship the prime minister, how can the people below him become generals?

Right.

If Zhao Kuangyin is determined to be a die-hard loyalist of the Later Zhou Dynasty, then there is only one possibility, that is, Zhao Kuangyin dies and a new leader is promoted.

The same is true for these modern very large enterprises.

If the founder feels that he has made enough money and is ready to enjoy life and loses the motivation to forge ahead, then there is only one result, and that is that the company's senior management starts to think about his own future and starts poaching corners of the company.

Layer by layer, all the way down to the bottom, everyone started to poach the company. Eventually, the company was heavily in debt, went bankrupt and liquidated, and the founder fell into the world overnight.

Become the person subject to execution...

The result of the founder lying flat was that the bed collapsed and there was nothing to lie down on.

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

Wherever you sit, the people below can't get in... How can you be a prince for seventy years!

Closer to home, after Shen Bi's explanation, Sean felt much better.

Thinking about it, Rupert Murdoch is quite pitiful. He is obviously very single-minded and only likes a young, beautiful and well-built man. As a result, he doesn't have much time to enjoy life at all.

A lot of time and energy are wasted on ‘meaningless’ work.

We have reached this age, we have made money, we have rights, but we are still unable to enjoy life. Life is really so colorless!

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

Shen Bi saw Sean suddenly smile strangely, with a baffled look on his face, and his intuition told him that Sean didn't mean anything serious.

"Well, I'm still young and not suitable for lying down." Sean waved his hand and continued the previous topic.

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

"That's right. I have also received a lot of deposits. Why do I still have no working capital? What are you doing!" When talking about this, Sean got angry.

The purpose of setting up a bank was to use other people's deposits to develop my own business. But now, hell, I didn't get the money. Instead, I asked myself for money all day long, and I became a gold-devouring monster.

"You..." Shen Bi pointed at Sean, then shook his head and put it down slumped, as if you were hopeless.

"You have to understand that your purpose of establishing a bank is different from others, so it is naturally impossible to achieve that effect. This is common sense!"

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

"Take out the money as a loan to make money!" Sean pulled his neck, his face dark, as if you were insulting my IQ for such a simple question.

"Huh, what next?" Shen Bi sneered, "Banks have to provide interest rates to depositors. The interest rate for loans is higher than that for deposits, but it is only about 2 points. Now the bank loans in Japan are only 1 point. , it’s almost lower than the deposit interest rate, how do you achieve a profit rate of 20-30%?”

Sean:???

"Small banks can't do this. It takes a big bank. For example, if there is a deposit of 100 million, the bank will lend the money to Company A, but Company A will not take the money directly, but will use it in its business activities. All the money is used in various transfers. The law stipulates that commercial activities must be done through bank transfers. This money is still flowing within the bank 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, the money will actually stay in the bank. Even if the customer wants to withdraw money one day, there will be no delay."

"So, repeated loans of a sum of money create such a high profit rate, understand?"

"Then, what if some of these companies have problems and the loans are not repaid?" Sean asked with a frown.

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

"Isn't this a waste of money?" Sean was shocked. Sure enough, banks are the most profitable!

"Of course, why else would consortia exist in the form of banks? With the successful laying of several submarine cables, and the cross-country and cross-continent data exchange between banks becoming more real-time and more convenient, the future society must be one in which finance dominates. !”

"The larger the bank, the stronger its capital will become. The development of the real economy must rely on a large amount of financial support and bank support, and the result will inevitably be a situation where the real economy completely works for the bank." Shen Bi's expression was unprecedented. Looking at Sean seriously, he continued: "Financial institutions are able to strictly control the world economy by controlling the flow of funds."

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

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

Sean instantly thought of the future 1998 financial crisis!

On the surface, it seems that the financial giants headed by Soros speculated on the Thai baht and drained Thailand of its U.S. dollar reserves, causing the Thai baht to plummet and Thailand suffered heavy losses.

However, Soros and others only emptied their U.S. dollar reserves at most, while Thailand's actual direct losses were several times this reserve, and its indirect losses were even greater.

This is the consequence of running out of funds, and those large consortiums can definitely 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 different.

For the super consortium, reputation and credibility are more valuable, but they hold the "nuclear" button in their hands, and this is their deterrent power.

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

Thinking of this, the corner of Sean's mouth couldn't help but twitch crazily. Damn, this kind of deterrence is more subtle and gentle than his own giant ship cannon, but it is not less powerful at all. To be precise, it is more powerful.

Moreover, because it is obscure and not as straightforward as a missile bombing, it will receive less resistance and less backlash. The responsibility for publicity can be completely passed on to the local government and has nothing to do with the consortium.

Finally, the consortium can also come as a savior, gain the greatest favor from the people, and then work hard and tearfully to buy the bottom, making a bigger sum!

Sean blinked and suddenly thought of some things that happened in his previous life...

Suddenly my mood became even worse!

Damn it, no wonder those big consortiums didn’t show much interest in their protective umbrella, including the old man David behind it.

Even if DuPont is interesting, it is just a behind-the-scenes investment, and they have no commercial conflicts with Umbrella so far.

It is foreseeable that in the eyes of the big consortium, this is just a casual chess game, and they do not take it so seriously.

Thinking of this, Sean felt a little embarrassed. Does that mean that he is just a clown in the eyes of others?

Is it just an interesting topic for the big guys to talk about after dinner, to add a little spice to life?

Old Man David: Don’t underestimate yourself so much. You can still use it in Versailles, but of course, no more.

Damn it, Sean scolded fiercely with a dark face.

Shen Bi frowned more and more, "What happened to you today? It's so weird. This is the second time. Who are you scolding?"

"I'm scolding those big consortiums!" Sean rolled his eyes and couldn't help but asked depressedly: "Then there's nothing we can do about these big consortiums?"

"No, you can't say that." Shen Bi shook his head, "If there is a problem with such a large consortium, or a large financial institution, such as an economic crisis and the bankruptcy of a large number of companies, resulting in excessive bad debts in banks, and the bank is at risk of bankruptcy...

"

"How's it going?" Sean asked with wide eyes.

"The state will spend money to plug the holes in these financial institutions and do its best to rescue them, even if it means issuing excessive amounts of currency, even if it means bearing a large fiscal deficit!"

"Fuck!!" Sean shook his arm fiercely, "What the hell, the country is like a beggar on its knees in front of big conglomerates?"

"Then if you say so, this is really just kneeling down to beg for food. That's it. How many countries want to kneel down but don't have this way?"

"No, these working people have worked hard to create wealth, but they are still being exploited by large consortiums, and they have to pay taxes. In the end, this small amount of money is always ready to bear risks for large consortiums to plug holes?"

"Look, why else would everyone want to climb up the ladder and become a consortium?" Shen Bi spread his hands.

Sean was so angry that he said, "Then tell me how to block the hole."

"Simple, the most common, such as the stock market crash." Shen Bi looked around, pointed at 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 that the stock market has crashed, the tea keeps evaporating."

"What should we do?"

"Save the market!" As he said this, Shen Bi picked up the teapot and started pouring water into the teacup, then refilled the water, "Inject funds into the stock market and save it."

Afterwards, he picked up the tea cup and poured the water into the tray. While pouring it, he said: "Then, the consortium took the funds away from the stock market and returned it to its own hands."

‘Pop’ the empty cup was put back again.

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

"Stock investors!" Shen Bi spread his hands and said with a matter-of-fact expression, "Who made them not retreat when there was an injection of funds? No one stopped them."

"No, this is a crushing of information. If you attribute this mistake to the investors, that is unreasonable!" Sean slapped the table hard.

"I find it funny when you say this. It is a powerful institution!" Shen Bi looked at Sean funny, "You are a member of the powerful class. Are you telling me this?"

Sean: "..."

Uh, okay, I forgot, ha, I am also a big capitalist now!

That's okay.

"Then, can't we just save him?" Sean asked again.

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

"How many shares of large companies do these big financial institutions control, and how much capital flows in the database." Shen Bi said with a serious face: "I just told you, 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 property mortgage and the bank will not suffer much loss. But if the bank collapses, what will happen to the money that does not exist several times or more?"

"Let me tell you, all the companies that received loans will collapse, and all upstream and downstream companies will be greatly affected. A wave of bankruptcies sweeping across several industries will occur!"

"The losses caused by that can bring a country to collapse!"

"In comparison, a little loss for stock investors is nothing. Even if the government suffers a fiscal deficit, it still has to protect those big consortiums and financial institutions!"

"It won't work if we don't protect it. If we don't protect it, everyone will die together!" Shen Bi said the word "death" in a long tone,

Shen Bi pointed to the tea set on the table and said: "Capitalism, you have to understand that first there is capital, then there is doctrine, and then there is the country. At the current stage of development, the capital consortium is this tray, teapot, teacup and so on. They are all capital consortiums." If the capital consortium that supports us falls, the country will also fall, and everyone will die!"

"A country can only exist if it has a capital consortium!"

"As long as the capital consortium fails, the country will always have a way to survive. When the capital consortium arrives, the country will be completely gone!"

They're all dead, so it's not certain what will be reborn on the corpse...

Sean was silent for a while, and the memories began to swirl in his mind. He thought of several things, including the 2008 financial crisis and the U.S. government's rescue of Wall Street at all costs.

Of course, Sean didn't know the more specific things, which were actually much more serious than he imagined.

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, which was in trouble, before the early morning of the 24th.

XinX News Agency reported: If the government does not rescue Citigroup or the rescue is unsuccessful, 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 for the group.

Concerns about having hundreds of billions of dollars in real estate-related debt triggered a stock market crash, which led to a drop in the company's credit rating and an increase in financing costs. If customers lack the confidence to withdraw money from banks and depositors run, Citigroup simply cannot handle it, so the government has to

Come to its rescue.

In fact, it is not as simple as real estate. Citigroup is one of the eight largest consortiums in the United States. With Citibank as its core, it is the most enterprising consortium. It also fell into crisis because of its rapid expansion. Its business scope includes the arms industry such as rockets.

, missiles and aircraft, and civilian industries such as electronics, chemicals, petroleum, and non-ferrous metallurgy, the U.S. 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 purchase shares of several major domestic financial institutions and provide three-year guarantees for interbank loans.

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

Citigroup and **** will each receive $25 billion, Bank of America and Wells Fargo will each receive $20 billion, Goldman Sachs Group and Morgan Stanley will each receive $10 billion, and Bank of New York Merrill Lynch and State Street will each receive $20 billion.

billion to 3 billion.

Wells Fargo and Bank of America will each receive another $5 billion from their acquisition of Wachovia and Merrill Lynch.

During the same period, in order to prevent the financial system from collapsing, the governments of European countries such as France, Germany, Spain, the Netherlands and Austria launched their respective bank rescue plans on October 13, with a total amount of 1.3 trillion euros.

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

French President Sarkozy announced that he would launch a 360 billion euro financing plan, including 320 billion euros in loan guarantees and the acquisition of 40 billion euros in shares from major French banks.

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

The UK Treasury plans to inject 37 billion pounds into Royal Bank of Scotland, HBOS and Lloyds TSB.

To the east... bail out the market, ahem.

Anyway, Huang Silang can suffer losses, but he must not die.

Pudong is Shanghai, Shanghai is Pudong!

Ahem...

"Okay, okay." Sean smacked his lips and suddenly laughed at himself, "I really thought I had become a real figure, ha."

Shen Bi pursed his lips and looked at Sean for a long time. Just when Sean thought the old man was going to stimulate him again, he smiled and said, "It's not as exaggerated as you think. A character. You must be considered a character." "

"If nothing else, the deterrent effect of the protective umbrella is still sufficient. At least those consortiums will not take advantage of you casually, and they will also use formal means to compete on business issues."

"Otherwise, if the credit card business was funded when it was just launched, how could you have grown to this extent?"

"Cut off all your loan channels, launch commercial wars against other industries, and consume your capital reserves. When the time comes, you will have to accept their capital injection."

"This is not a violation, it is a legitimate means of business competition. In the final analysis, it is because you are not strong enough."

"Besides, you don't think you really don't have any loopholes in your body for people to catch, do you?"

"For the things you have done, if we use the power of the state to investigate you, you will be dead!"

"It's just because they were wary and the benefits were not enough to make them break up and take such a big risk, that's why they didn't take action."

Sean laughed, saying that it is right for us to devote all our energy to managing guns and words.

Yes, that’s what I thought from the beginning, it’s definitely not an accessory product!

Absolutely not!

Seeing Sean become happy again so quickly, Shen Bi curled his lips, this happy little dick is so easy to coax.

How can it be so easy to cut off financing channels? There is not only one consortium in the world, but competition among various consortiums is also extremely fierce. If one blockades you, another will win over you, and will only push you to others.

Besides, Rockefeller was not paper-headed.

However, Sean is right. If it weren't for these two forces, Old Man David wouldn't have allowed Sean to develop freely. What if a good hand was ruined?

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

"I really think you are lucky enough to catch up with such a good era, allowing you to seize the tail of the era!" Shen Bi said with emotion: "You want to invest in the Chinese, it is a good idea, plus the previous The fixed assets worth tens of billions will give you enough confidence to use financial tools to speed up expansion."

"Coupled with the successful laying of submarine optical cables, Sean Bank is expected to take advantage of this shareholder momentum to skyrocket and catch up with those established consortiums."

"Once this period has passed and those established consortiums have consolidated their advantages, it will be almost impossible to find such opportunities again."

Sean grinned as he listened and nodded heavily!

In other words, at this moment, there was light in Sean's eyes!

Protective umbrellas and the like were just rudimentary means during the colonial period. Now, he wants to develop in the direction of a real large consortium.

Not bound to the country, but bound to the country!

Sean is here, and the country is here!

What is the foundation of eternity!

So...where does the money come from...