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.
To be continued...