American TV series

Where does the money come from?

Sean is also thinking about this problem.

Where can I get another bargain?

He leaned on the sofa with his head held high, his eyes rolling around, full of dangerous light.

Shen Bi knew at a glance that Sean had no good intentions.

"Okay, the money matter is not urgent." Shen Bi stretched out his leg and kicked Sean.

"Well, what do you mean, since Europe has access to optical cables, we are not allowed to open bank branches there to expand our business there, and we are not allowed to invest large sums of money?" When Sean heard that he was not in a hurry to ask for money, he immediately became energetic.

Now, in Sean's opinion, anyone who doesn't want money is a good person.

"No, don't come with me!" Shen Bi rolled his eyes. He was really shameless. He came with me right away when he needed it.

Sean laughed and hugged Shen Bi's shoulders, "Why are you still angry? Isn't that a joke? Let's see who can have a better relationship than the two of us!"

"Ha, I have to thank you." Shen Bi sneered, too lazy to answer Sean.

"The situation in Europe is more complicated." Shen Bi thought about it for a while and then slowly told the story...

Europe, the birthplace of the Industrial Revolution and the exporter of ideas, can be said to have deep-rooted interests of all kinds.

Although World War II completely destroyed Europe, the United States succeeded in becoming the world leader after the war, and also completed a large-scale penetration of Europe through the Marshall Plan, resulting in the emergence of no super-large conglomerates in Europe.

However, deep-rooted nationalism and local protection have not disappeared.

There are many local consortiums and industry-based monopoly consortiums.

And extremely stubborn.

Sean imagined that like in the United States, it would be no problem to attract ordinary customers through overwhelming advertising and opening bank branches, and it would not be a big problem for small companies.

However, it is wishful thinking to win over those large and medium-sized commercial customers.

There is a commercial banking system within the industry that has been cooperating for decades or hundreds of years. The interests are intertwined. You can intervene if you want to?

Even Rockefeller can't help with this matter. They themselves still have to compete with European oil giants.

"Then I haven't joined any new industries in the US market, right?" Sean blinked and asked with a confused look on his face.

"What the hell..." Old Man Shen Bi pointed at Sean with a speechless expression.

He tapped his fingers a few times and said, "Can't you use your time playing with women to take good care of the company?"

"That's not possible, absolutely not!" Sean shook his head firmly, "You are putting the cart before the horse!"

"The ultimate goal of making money and improving one's social status is to enjoy life!"

"I put all my energy into work, am I crazy?"

"Workers all know that they have to compress their working hours step by step through struggle. As a boss, I end up working overtime every day. My life is to create more wealth for society?"

"There's something wrong with your brain!"

Shen Bi: "..."

Faced with Sean's fallacies, Shen Bi really didn't know how to refute.

In Western society, family comes first.

Money and work must make way for family. If you ignore family for money, you will be looked down upon by others.

In the Western world, there are photos of family members on the desk, which must have a happy and harmonious atmosphere.

When politicians are campaigning, they need to take their families with them to give speeches. They must create a harmonious family image and show how much time they spend with their families, hanging out and spending time with their children. This is very important.

No politician will show off that they are busy working all day, working overtime until late at night, wishing they could eat and sleep in the company, and have nothing in their mind except work.

Those who fail to enter the house three times will only be kicked out of the political arena by voters.

This is the completely different culture between Eastern and Western cultures.

On the east side, if you put photos of your family on your desk, your boss won’t bother you because your manager will ask you to put them away quickly!

Focus on family life?

Don't want to work overtime?

What do you mean by displaying family photos?

What's the purpose?

Who ordered you!

What is your motivation?

Did you get permission from the company?

Who is behind you advocating for what families want to do?

What are you implying?

what do you want to subvert?

Can't answer?

I think you want to destroy the company’s overtime working environment, spread negative thoughts, and shake overtime morale!

I've been homesick all day, you can pack your things and go home now!

Don't say that we fired you without reason. This is all justified. Minor violations are not illegal. Since the company does not break the law, then you, a negative example, is breaking the law!

The company can only display group photos of company employees. The company is your home, and the boss is your parents!

Ahem...

Shen Bi glared at Sean, I'm too lazy to talk to you, do you care about your family?

Whose family has more than 10 mistresses?

You are so lustful!

After severely criticizing (envying) Sean, Shen Bi then said, "Shawn Bank's tentacles have now penetrated into many industries."

"For example, chemical industry, energy, media industry, film and television industry, construction industry, retail, shipping, manufacturing, agriculture, real estate... there are so many!"

"Why so many!" Sean looked surprised.

"Nonsense!" Shen Bi looked sideways at Sean. He suspected that Sean was preparing for Versailles again.

Sean’s hard work these years has not been in vain, let’s talk about the construction industry.

In New Jersey and surrounding areas, the basic building materials industry was once monopolized by Sean. Of course, internal capital flows went through Sean Bank. Although it sold out most of its shares in the later period, the habit has been formed and no one will poach this corner.

The energy industry is similar, including New Jersey's power supply, northern Colombia's power supply, Sri Lanka, and Morocco where investments are being made.

One thing I have to admit is that the development of Colombia is indeed on the right track. Through this newly developed market, Sean Bank has intervened in many industries and completely opened its tentacles.

Of course, Sean felt this way, but he didn't form a too specific concept. However, he continued to move forward. After that, Sri Lanka, Morocco, and now Southeast Asia were involved.

Although we won’t see much revenue in the short term, the expanded network is gathering strength, and sooner or later, emerging markets will usher in an explosive period.

After listening to Shen Bi's words, Sean finally understood. In contrast, it was the current situation in Europe.

In old markets, the network of relationships is so intricate and deep-rooted that it is difficult to get involved.

"Then Europe will not care about it?" Sean frowned, "The world's 3rd, 4th, and 5th economies are all in Europe. It's still early for emerging markets to surpass them."

"We will definitely intervene, but it can only be done through acquisitions. You don't have to think about re-opening or anything like that." Shen Bi shook his head directly, "Not to mention now, during the Marshall Plan, the major consortiums in the United States want to directly intervene. None of them were successful, but we managed to make some acquisitions through matchmaking with the government.”

"And it's only in some industries. The government would rather support the core industries on its own."

"Wait for opportunities and seek entry by acquiring local banks. This matter cannot be rushed."

"That means we have to ask for money!" Sean rolled his eyes.

"You won't spend much cash with a loan, but your liabilities will increase again." Shen Bi said and laughed.

"Then I will delve deeper into Asia now?" Sean squinted and thought for a moment.

"Asia is a good opportunity. Here, you have a huge first-mover advantage, bigger than other consortiums." Shen Bi nodded, "In terms of money, the problem is not too big."

"You injected the industry you acquired this time into Sean Bank. In fact, after developing the credit card, the bank's capital reserves increased significantly. Although there are only 25 million open accounts, the average credit limit is only 1,500 per month, but each At the beginning of this month, we still had the equivalent of US$37.5 billion in deposits available, and users can’t withdraw this money.”

"Credit card, what a genius idea!"

Sean:???

"No, wait a minute, why do you suddenly have a deposit limit of 37.5 billion?" Shen Bi looked at him in confusion, his mind full of questions.

"Every person who opens an account is equivalent to depositing their credit for this month with us in advance. No, how can this not be money for you?" Shen Bi had an enigmatic smile on his lips, "This is called finance. tool!"

"Credit is equal to money, you made it."

Sean: Why didn’t I know I was so awesome?

"Forget it, you don't understand even after I tell you. This game is about future expectations, which is quite complicated. For safety reasons, the company does not conduct high-risk operations, otherwise tens of billions of funds can be immediately available." Shen Bi shrugged.

"Can the risk still be high?" Sean was completely dumbfounded. Just a concept, and tens of billions of cash were made out of thin air?

"Yes, for example, if you use credit for loans, 25 million users are assets in themselves, and they are high-value assets." Shen Bi said matter-of-factly.

"Holy shit!!" Sean gritted his molar teeth and said viciously: "No wonder everyone is unwilling to do entities anymore after getting involved in finance. What the hell..."

Sean didn't know how to describe the current situation. The money came too fast and suddenly.

Guilty, very guilty!

He felt so guilty that he couldn't care less that Shen Bi was mocking him again.

"Now if you inject fixed assets from Southeast Asia into Sean Bank, the bank will have the confidence to take some risks and carry out a new round of expansion."

"Are you safe?" Sean trembled when he heard this. This is too unsafe.

"If assets can't be worth several times more in the hands of a bank, then why bother with finance?" Shen Bi looked at Sean with contempt.

Sean raised his hands to cover his face, and said with a look of despair: "Okay, just don't take such a big risk as Feng, just be steady, we still have time!"

"I, Sean, can still make money, but if I can't, I will rob you of it again, right?"

"You guys sound like a crime to me!"

"It's too unsafe and the risk is too great. If this thing fails, won't tens of millions of people be tricked to death by you?"

"You... Sean..." Shen Bi looked at Sean strangely, "Robbery is not a crime, is it?"

"I'm not robbing the poor!" Sean said confidently.

"Robbing a rich person is not considered robbing? You are more abominable, right? You will be hit even more if you rob a rich person's money!" Shen Bi looked at Sean angrily, "You seem to be a good person, we will become Take a look at the bad guy!"

"Yes, you are right!" Sean nodded in agreement, "Compared to you, I am indeed a good person, a huge good person!"

"If nothing else, the public security in New Jersey is much better than before, and how many people have benefited!"

"The northern coastal areas of Colombia, Sri Lanka, and Morocco are all booming now. I have so many people alive!"

"The little things I grabbed were not a big deal to them. They just tolerated it and it didn't cause any major harm at all. But you are different!"

"Damn it, what kind of financial instrument, if you fail now, it will affect the livelihood of tens of millions of people, what a big impact this will have!"

"It won't have much impact." Shen Bi looked away with embarrassment from Sean, "The loss that no one can bear is only half a month's income. If you spread it out, it's okay."

With that said, Shen Bi turned around and glared at Sean fiercely. Shen Bi felt very bad for being despised by such a recognized ruthless villain.

"It's just cutting leeks, right?" Sean rolled his eyes, "Okay, just be careful and help me gain some virtue."

"Be steady, I'll try to find a way to get some more money recently."

"Can we still get money?" Shen Bi looked at Sean in surprise.

"Well, I received news a few days ago that the fighter jet I designed has already rolled off the production line." Sean put the gold on his face without hesitation.

"Can that thing of yours really be sold?" Shen Bi had a troubled expression and a look of disbelief. He was also a World War II veteran. He knew that Sean had modified the old World War II aircraft and took it out now. It was simply nonsense.

"Look at me!" Sean looked incomprehensible!

But before that, Sean still needs to think about a trip back to the United States.

Banks under several large consortiums are also developing credit card business. With their huge financial network and the foundation that Sean has laid, I believe they can catch up soon.

Of course, Sean's credit card machine will sell quickly. It is the most mature product at present, and it can make a lot of money.

However, you still need to prepare some trump cards quickly and play them out before new entrants to the gang catch up.

…

The Golden Palace swooped down from the sky and landed at the New York Airport.

Sean went around to the old man David and complained bitterly that the family foundation was also engaged in credit card business, poaching himself, and it was not the business of a human being.

Complain, throw a tantrum, wallow, no matter what, benefits must be given!

Old man David's head was buzzing with pain. He looked at Sean who was sitting in his office. He didn't have any tricks at all.

"Tell me, what do you want?" Old David asked, rubbing his forehead with a headache.

"Sell me that bank!" Sean Lion said loudly.

"That's impossible!" Old Man David refused flatly.

"Oh my God, is there any justice? Grandpa is poaching his grandson, is there anything left to do?" Sean walked to the door of the office, opened the door and cried loudly.

"Come back here!" Old David had veins popping out on his forehead.

The people in the secretariat outside the door lowered their heads, as if they didn't exist.

"Then you agree to transfer it to me?" Sean turned back, grinning, with a trace of tears on his face.

"This really doesn't work. It's not just Rockefeller's assets. You need another one." Old man David looked helpless. Seeing Sean trying to open the door again, he immediately said loudly: "Listen to me!"

Sean put his hand on the doorknob and looked at old David with a wary expression.

"It's useless if you want to swallow up this bank. In less than a year, Sean Bank has expanded several times, and its bank branches have expanded more than six times. It is already a large financial institution with over 10,000 employees."

Company."

"Now you have serious internal problems, with chaotic personnel, disjointed management, poor communication, and various regions and branches competing for power and profit. If you continue to expand blindly, you will have problems!"

"So?" Sean was unmoved, "What I want is not to raise problems, but to solve them!"

"I will give you a group of banking management talents to stabilize the company. This will be more beneficial than your attempt to seize the family's bank."

Now Sean Banks is like a fat man who is full of anger. He is bloated, obese and slow. He has to exercise for a period of time to lose weight and gain muscle before he can move forward again.

There is nothing we can do about it. Sean Bank has only been developing for a long time and does not have enough talent reserves. This is a common problem that all fast-growing companies must encounter.

Those truly mature companies, even if they have enough people, will continue to recruit people and create talent reserves to avoid insufficient talent when the company expands, or being poached and falling into a situation where no one is available.

This is an internal game between the company and management.

"The family poached me, not me trying to seize the family bank!" Sean corrected with a serious look on his face: "This is the compensation given to me by the family, please understand!"

"Okay, okay, compensate, compensate." Old David extended his hand and surrendered. Rockefeller has been rooted in the United States for more than a hundred years, has a complete system, and sufficient personnel reserves, so he might as well give some away.

If you are always suppressed by people above you and have no way to rise, problems will arise.

This is something that is beneficial to both parties.

Coming out of Old Man David's office, Sean snapped his fingers at Torre in the corridor.

Torre walked in expressionlessly, reached out to open the bag in his hand, took out the gift box inside, and placed one on the table for each person in the family secretariat according to their name.

The people in the secretariat immediately smiled at Sean, and it was acceptable to accept such an honest gift.

Opening the small gift box, there was a bank card and a piece of paper with the password written on it.

Sean's bank credit card has a credit limit of 50,000 and has already deposited 10,000 US dollars in it.

Sean's gifts are always so simple, direct, crude, but touching.

Leaving the family office and getting in the car, Sean immediately smiled. He had already planned to recruit a group of professional talents. Shen Bi had mentioned this to him before.

When it comes to recruiting people on a large scale, Shen Bi cannot do anything for him.

Only utensils and names cannot be faked. - "Zuo Zhuan·The Second Year of Cheng Gong"

However, this matter really stumped Sean. This is not just one or two people. You can just hire a headhunting company to recruit people. The scale is too big and the HR department alone cannot handle it.

We will soon expand our business to Asia, and we must have the kind of professionals who can fight and win.

That was the scene just now.

Of course, asking for people directly is not possible. The meaning of "asking" someone from my family to save my life is completely different from "sending" someone from my family to apologize.

Sean breathed a sigh of relief after getting this urgent task done.

Returning to Deer Island, a group of expectant mothers, those who had already given birth, and those who had received the news in advance and expected to be pregnant pounced on him. Sean fell directly into the gentle land and had to pull out for three days!

The whole person lost weight.

Only children want it all, adults know how to exercise moderation...

Four days later, on the West Coast, at Microsoft headquarters in Seattle.

In the living room, Sean was drinking black tea, and sitting across from him was a young man, the future world's richest man, Bill.

In fact, Sean was a little regretful at this time, as he had not completed the two things he originally wanted to do.

First, take a look at the legendary garage. After meeting Bill and chatting for a while, I found out that the garage is in Albuquerque, New Mexico.

Second, he wanted to meet Paul Allen, a playboy with a wide range of hobbies and a fondness for throwing silver parties. He felt that the two of them must have many topics in common. As a result, Paul left the board of directors due to illness in 1984.

(I don’t know if it was due to illness, but I returned in 1990 and left Microsoft again in 2000. If I speculate with the greatest malice...)

Sean, who was too regretful, quickly got down to business with workaholic Bill.

At this time, Microsoft was not yet the company with the highest market value in the world, and Bill was not the richest man.

In 1983, Microsoft's revenue was only 100 million. Microsoft Windows 1.0 was not released until 1985. Bill, who owned 45% of Microsoft's shares, had just over 100 million in assets in 1987.

Of course, this is already the first billionaire in the global personal computer industry.

However, it has just exceeded 100 million, which means nothing to Sean.

"Build a statistical system for credit card machines?" Bill looked at Sean with twinkling eyes.

"Yes, you can watch it after connecting the card machine to the monitor, or you can connect it to the printer to print it out. How about it? Are there any questions?" Sean said with a smile.

"Of course, no problem!" Bill agreed immediately. To be honest, it was not difficult.

"Okay, now we can talk about why I want to hand over this not difficult data system to Microsoft." Sean sat on the sofa and looked at Bill with a smile, "The current installed capacity is

60. This is just the beginning. As major banks begin to join the credit card field, this number will grow explosively."

"And after optical cables connect Europe and Asia, this number will explode even further."

"The expected installed capacity in the future will not be less than 100 million." Sean smiled and spread his hands.

"Microsoft is the best PC system..."

"Don't mention this to me. It doesn't make much sense. Let's not talk about Oracle. If I buy any software company, I can develop it 100% for 10 million." Sean interrupted Bill.

"However, development and practical application are two different concepts. Developing a system is never the biggest problem. System errors and BUG handling are." Bill said seriously.

"I have so many machines. It only takes a few months to test out most of the system bugs." Sean curled his lips and said: "It's not a complicated system. You don't think I don't know anything about computers.

Bar."

A smile appeared on Sean's lips, "Dear Bill, I, Sean, am not one of those old men who don't know anything about information, data, and networking."

"I am the first person in the world to develop a network commercially on a large scale!"

"At present, 80% of AT&T network business access services come from my credit card business!"

Bill pursed his lips and bulged his cheeks. Damn it, he met someone who understood!!