Rebirth of the Evil Life

Lin Feng’s personal guarantee!

This time, the four major bank presidents were speechless. Lin Feng's assets exceed one trillion US dollars. If he uses a personal guarantee, then there is basically no need to consider bankruptcy. But if Lam Feng’s ‘Second Bank’ is really allowed to lend money at will in the country, what will they do? Now 'Yue Bao' has attracted nearly 700 billion yuan in savings, but now it has gone straight to one trillion yuan. They are trying their best to stop Yu'E Bao, and the only way they can think of right now is to limit it. Of course, it’s not just the limit on transfers to Yu’e Bao, but the entire Alipay limit.

‘Yu’E Bao’ is just a derivative of ‘Alipay’. If ‘Alipay’ is finished, then ‘Yu’E Bao’ will also be finished. But if Lin Feng's "Second Bank" is allowed to come in, it will be over. Once ‘Second Bank’ opens branches across the country, they will have no choice but to crack down on ‘Alipay’. Therefore, we must not allow the ‘Second Bank’ to enter China.

"Mr. Kang, although Lin Feng admitted frankly that he will be the guarantee, the bank is a matter of concern to thousands of households. They deposit the money they have worked hard to earn in their lives in the bank and rely on it to support their retirement. They can't stand it. Even if Lin Feng admits that he guarantees everything, he is still a commercial bank and is engaged in extremely aggressive investment activities such as venture capital. If there is a major investment failure, it will definitely cause immeasurable losses to all depositors. Once this loss exceeds Lin Feng's personal assets, I doubt whether Lin Feng will continue to choose guarantee. I think he may choose to let the 'Second Bank' go bankrupt!" said the four major presidents eagerly.

Bankruptcy! This is a right granted by law to all private companies. Of course, this law also comes from Western society. In China, there is a saying that has been popular since ancient times - the father's debt is repaid by the son. That is to say, if a person owes a debt and he cannot repay it, if he dies, then the debt will be repaid by his wife or son. If the debt cannot be repaid, the debt will be repaid by the son's son. In short, it will be repaid from generation to generation until it is repaid in full. This is China’s credit system since ancient times. What matters is credibility. Unless everyone in your family is dead, the credit system will continue.

But in the West, this credit system is undoubtedly very inhumane. It is a kind of oppression of debtors. Natural human rights, everyone has the right to enjoy life. Debt is not only the debtor's but also the creditor's. When you borrow money from someone, you have to consider the possibility that one day they may not be able to repay the loan. Therefore, the debt needs to be borne by both parties. Therefore, the West allows bankruptcy to exist. Both a company and an individual can file for bankruptcy.

Personal bankruptcy means that within the time stipulated by the law, one can only enjoy the most basic welfare benefits allowed by society. All excess money earned must be used to repay personal debts. After the specified time, the individual will no longer bear any debts and will be a free person who can continue to enjoy all kinds of beautiful things that normal people can enjoy.

As for company bankruptcy. All shareholders' funds in the company are frozen and used to repay loans. After becoming insolvent,

What shareholders lose is all their previous investments, but it will never affect their personal interests. Therefore, if one day the Second Bank becomes insolvent and the debt to be repaid exceeds Lin Feng’s personal assets, will Lin Feng still use his own assets to fill the debt?

From the perspective of the four major banks, it is obviously not possible. Lam Feng will definitely file for bankruptcy. So who will guarantee the interests of these depositors? Although the four major banks were allowed to go bankrupt. But they are state-owned enterprises after all, which is different from Lin Feng's private enterprises. At least, the four major banks will not go bankrupt until the country goes bankrupt. Therefore, in some aspects, the four major banks are more reliable than Lin Feng.

Of course, this is what the four major banks believe. Now they need to convince Mr. Kang. Although it is said that Mr. Wen is in charge of these things, it is now clear that only Mr. Wen and Mr. Xi support Lin Feng. Therefore, as long as Mr. Kang agrees with their views, and coupled with the subtle rules that have always been in place, they are sure to let Lam Fung's "Second Bank" hopes of advancing inland were dashed.

"Yes, the interests of depositors outweigh everything else. We must not let depositors take any risks!" Mr. Kang nodded. He also realized at this moment that if the 'Second Bank' was really allowed to come in, it would be really troublesome. The interests of these four major banks will be damaged. This is not in the interests of their group.

"Yes, it is true that the interests of depositors cannot be allowed to bear any risk! Therefore, I will use my personal assets and reputation as a guarantee to provide the best service to all depositors in the country. Of course, if you don't believe it, think that I have a trillion If the U.S. dollar assets cannot be used as guarantee, then I can only say -" Lin Feng glanced at the many gentlemen and several bank presidents shrugged, "Then they are deliberately making things difficult for me!"

drink! Mr. Wen and Mr. Xi secretly cheered. This is indeed the God of Wind. In this place, he is the only one who dares to say such words. I don't dare to say this because of my poor status. If you have enough status, you won’t say it. Only Lin Feng, who was neither high nor low in status and fearless, dared to say these words. Isn't it? Lin Feng's assets exceed one trillion US dollars. If he uses them as credit collateral to host a bank, he is still not qualified. Isn't he deliberately making things difficult?

Of course, Mr. Wen also understands that this involves monopoly interests. The country has been talking about breaking down market barriers and liberalizing the economy, but in fact, in the face of these monopolized industries, the so-called liberalization of the market is actually very limited. Private enterprises simply cannot compare with these monopolized industries. Even if they open up the market, they will not be able to have any impact on them. Including the banking industry, although private capital is allowed to enter, there are currently more than 100 banks in the country, but these banks are all dependent on the four major banks. To a large extent, their funds come from loans from the four major banks. Therefore, the domestic financial market is actually still very closed.

But if Lin Feng is allowed to come in, it will be different. If you let Lin Feng come in, it will be like a tiger descending or a wolf entering a flock of sheep. Relying on Lin Feng's personal credibility and reputation, as well as his image in the minds of the Chinese people, once his bank raises funds, it will do so very quickly. For example, Yu'E Bao has collected nearly 700 billion in funds in less than a month. If Lin Feng's "Second Bank" were allowed to come in, how much money would be swept away? This is unimaginable.

1 trillion, 5 trillion, or more, 10 trillion? Maybe people all over the country will deposit their money into Lin Feng's "Second Bank". If so, what should the four major banks do? Therefore, it is impossible for them to allow this.

"Lin Feng, watch your words. No one here is deliberately making things difficult for you! Everyone is sitting here for the sake of China's economic stability and prosperity, and for the sake of social harmony!" Mr. Kang warned coldly.

Lin Feng chuckled.

"Then why is my bank not allowed to come in? You know, I am a pure Chinese, and my bank is registered in China. Why can Ping An Bank and CITIC Bank be allowed in, but my 'Second Bank' cannot come in?" ? Isn't this a deliberate attempt to make things difficult for me? This is clearly aimed at me and causing trouble for me!" Lin Feng smiled strangely, "Or is it that you, the four major industries, have already occupied the land and become kings, and you have almost unlimited resources. I'm alone? If so, forget it. I won't come in, lest I come in and beat you down with three punches and two kicks. That will make you look bad, and it's not conducive to the theme of a harmonious society. !”

Uh-huh! The faces of the four bank presidents suddenly turned red. Lin Feng's words were too cunning and mean. Although they also knew that Lin Feng was deliberately irritating them, they were still inevitably angry, and the anger kept rising from their hearts.

"Lin Feng, please pay attention to your words. This is not directed at you, nor is it afraid of you. How can we, the four major banks, be afraid of you, a small bank with less than 100 billion US dollars in capital. It's just that we are worried about the safety of our depositors and you. The entry of such a purely commercial bank will disrupt the entire financial market and destroy social harmony." Although the four major bankers were angered, their reason still prevailed and they did not dare to allow Lin Feng to come in. They also knew that once Lin Feng came in, the market would be completely opened. They couldn't compete with Lin Feng.

"After all, you are still afraid of me coming in. Gentlemen, just say a word and let us see how this matter will be done. Let me enter the banking industry, open up the market, create fair competition, and allow all people to enjoy greater benefits. , Wen Chengwu De, benefiting the common people, or when the people know that I have been rejected again, and the banking industry is unwilling to break the monopoly, I am stabbed in the spine by the people, scolding my conscience for being eaten by dogs, only caring about my own wine pool, meat and forest, and not caring about the people's exchange of children and eating well. ?" Lin Feng didn't want to talk nonsense with the four major bank presidents. He just asked a multiple-choice question and waited for these gentlemen to decide.

The faces of the nine gentlemen all changed. What nonsense did this kid say? Was he threatening them? This is simply unreasonable! Mr. Kang's expression changed and he was about to get angry.

"Let's do this. We will discuss it, vote on it, and finally give you a reply. You guys go and take a rest first." Mr. Wen spoke first to avoid making things worse. After all, Lin Feng's words are indeed not very pleasant to listen to, very harsh. And those words sound so familiar to you. If you think about it carefully, they are clearly the words used by the Sun Moon God Cult to praise their leader Dongfang Bubai in Jin Yong's "Swordsman".

Dongfang Bubai is a shemale! Is this a mockery of them being transvestites? Therefore, before the other gentlemen react, let’s hold a meeting to vote! Otherwise, this would cause a huge commotion. Of course, this kid is really awesome.

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