America's Big Hero

Chapter 431: What is interdependence between misfortune and fortune...

Huge surprise completely surrounded Xiao En, his eyes burst out with emerald green light, flickering, bling bling, old man Shen Bi just rolled his eyes.

After silently cursing a few words, Shen Bi turned his head away, what a villain!

Sean really didn't expect that his bank would suddenly be so valuable!

He has been tossing for so many years, and this is the first time he sees money back!

The days of misery are finally coming to an end!

Tears filled my eyes!

Excitement, joy, a burst of bitterness, welling up from the bottom of my heart, mushrooms, blue skinny!

Sadness is justified!

Sean looked up to the sky and sighed!

Shen Bi stomped his feet angrily, pointed at Xiao En's nose, "I'm warning you, don't stop talking!"

In Shen Bi's eyes, Xiao En might as well laugh like a big villain.

Sean Bank has suddenly emerged and successfully entered the top [-] in the US financial industry. It is such a happy event. Who are you showing such a sad look!

Versailles is the game, right?

This person is really extremely hateful!

Xiao En came back to his senses and looked at Shen Bi: I didn't, I wasn't, don't talk nonsense!

"Old man, listen to me." Sean looked at Shen Bi with a 'serious' face, with a hint of melancholy in his soft tone, "At the beginning, a protective umbrella was originally established to escort the sale of fake wine. The wine business has been completely abandoned, and the umbrella has become the largest company in its hands and the most important force."

"At the beginning, Sean Bank was established for the convenience of money laundering and turnover. As a result, the black business has been abandoned, and the gray income is all abroad. It was cleaned through the national system, but Sean Bank turned directly and became the most valuable company in its own hands. .”

I, the dignified traveler, the company that took the initiative, what Husky Energy, what terminal business, what shipping, what Sean Pictures, what New Century Media, what Staples Center... I don’t have a fucking one for myself Confident!

Up to now, they are still fucking money-losing goods!

In the end, preparing accessories for them was a fucking success!

Who can understand my sadness! !

Let’s just say that New Century Media is really good. It has mastered a part of the mouthpiece function, especially the mouthpiece of the United States, which is indeed of great help to Sean.

However, the valuation of this thing is really not high.

What is the status of New Century Media in Laomei?

On the plus side, it's the second largest cable network and top 10 among media conglomerates.

Bad words...

Anyone who dares to say Xiao En dares to beat him!

Mainly, according to the media group, there are ATT, Fox, NBC Universal, Comic Carter, Viacom, News Corporation, Metropolitan Communications ABC...

Yes, Sean can at best compare with Fox, not News Corp.

News Corporation is not only in the United States, but also the Sun, The Times, SKY Sky TV, Asia Star Media abroad...

Those other companies, um, Sean Pictures did make a lot of money, but Sean really didn't like this money.

It is said to be the eighth largest in Hollywood, but in fact, the eighth largest in Hollywood is just like that, just putting money on their own faces, and the global movie box office is less than tens of billions of dollars.

Other industries are still in the stage of net investment, and no return money has been seen.

Including the stocks of technology companies that Sean has been buying, stocks are floating profits until they are sold, which cannot be counted.

Besides, it's not time for the technology industry to explode.

Even if it is a protective umbrella, the market value of this thing cannot be calculated, and there are not many people in the world who are qualified to participate.

Those warships are indeed good things and valuable, but those who are qualified to buy don't want to buy them, and those who want to buy them are not qualified.

Everyone in the east was crying, and Sean didn't dare to sell it.

and so……

"What the hell!" Old man Shen Bi was furious, "And said you weren't in Versailles!"

"Okay, woohoo hahaha, I was discovered by you!" Sean laughed for a while, and he was indeed a bit ordinary.

After laughing for a while, Sean sat down and stretched out his arms to wrap old man Shen Bi's shoulders, "Small, how come the valuation has skyrocketed several times!?"

The old man Shen Bi struggled hard a few times, but he couldn't break free from Sean's arm, so he could only snort and continue: "The credit card business is favored by the entire financial industry."

"Although the 2500 million card users account for only 10% of the entire US population, the customers are relatively concentrated in the group of housewives and the middle class."

"There are no teenagers, and a very small part of blacks and Latinos are also rich people. Therefore, if the proportion is calculated according to the actual consumption power of the group, it can reach a terrifying proportion of 30%."

"There are overwhelming advertisements, plus it doesn't cost money to apply for a card, and there are gifts, plus our bank is the only one that can provide similar services, so..."

"It's my bank, not ours!" Sean interjected with a mean smile.

Shen Bi:! ! !

Roll, roll, roll! !

The old man couldn't bear it anymore, he didn't need to bear it anymore, he turned his head and aimed at Sean's chest with a "boom", "boom" and "boom" hammers!

Heaven punishes the bitch!

Sean hid while laughing, was hammered, coughed while laughing, ah, it was so fun!

After punching Sean more than a dozen times, Shen Bi, who was in his 60s, was out of breath, his face was flushed, and his head began to emit heat.

How can there be such a bitch in the world, God!

"Okay, okay, don't be angry!" Sean stretched out his hand to comfort him, and couldn't help but say again: "You're quite old, as for you, you can't be kidding, what about your bearing? Conservation."

"You still say it!" Old man Shen Bi wanted to beat Xiao En again angrily.

Not to mention Sean, Lorraine on the side started to roll his eyes.

If Norris was not afraid that Sean would drop him on the excavator and play with the big pendulum, he would have wanted to beat Sean.

Torre turned his head away, afraid that he couldn't help it.

"Okay, okay, the main thing is, I'm really happy today." Sean quickly raised his hand in surrender.

It took a long time to appease the old man Shen Bi.

"At present, there are not many merchants that provide credit card machine services. It is a new thing, even if it is convenient, but there are many stubborn people, not to mention re-opening an account at Sean Bank."

Sean Bank's reputation has just been established, and many merchants don't trust it that much. There are many commercial banks that have suddenly risen in the United States, and how many of them persist.

To put it bluntly, the sudden increase in business volume can make a bank rise suddenly, but there are very few that can survive. Currently, Wells Fargo is the only one.

Most of them declined due to the surge in business volume and their own management and services could not keep up. The other part was due to the expansion of business leading to high-level expansion, and finally fell into chaos due to blind expansion.

Anyway, the final solution is basically to be merged.

Of course, the black hands of those big financial institutions and consortia are indispensable behind this.

But one thing is for sure, Sean Bank's credit card business does provide convenience, and the future money scene is certain, so the business valuation has skyrocketed.

Now, if you want to acquire Sean Bank, including the credit card business, it is impossible without 200 billion. Of course, Sean will definitely not sell it.

After all, the credit card business is actually a platform, and the scope of expansion on it is too wide.

"However." Shen Bi looked at Sean and said, "In order to promote credit card machines, we, no, you, you, you set a lot of preferential conditions for merchants. We don't have much profit from the credit card business now, and we are still doing it on the net. input stage."

"Moreover, seeing the benefits of this business model, according to the news sent by Rockefeller's office, several major financial institutions and consortiums, including Morgan Stanley, Goldman Sachs, etc., are planning to develop the credit card business."

"Fuck, damn it!" Sean became angry when he heard it, "This bunch of damn plagiarists!"

hateful!

Seeing Xiao En's distraught look, Shen Bi immediately became happy.

Sean scolded for a while, but he could only pant heavily, and there was nothing he could do about it.

When a good business appears, it is inevitable for copycats to follow up.

It's like the Chinese Amazon, the French Amazon...it can't be stopped.

What's more, it is these super-large financial institutions and consortiums that control hundreds of billions of trillions of assets.

If it wasn't for Sean's huge influence, which can't be manipulated at will, and with Rockefeller behind him, those financial institutions and consortiums would directly attack the bank.

Of course, the start is also in accordance with business rules, and it is not black.

It's not kindness, it's mainly a matter of reputation, it won't save you a lot of money, and there's no need to ruin your reputation.

Most of the means are lures, providing various conveniences and at the same time conducting venture capital and acquiring most of the shares.

For these consortiums, instead of doing it themselves, wasting a lot of manpower and material resources, and conducting brutal business competition, it is better to invest directly in acquisitions.

After acquiring most of the shares, we will help you to suppress, acquire other followers, support and grow, and intercept the maximum benefits.

However, Sean obviously does not need to accept their investment.

He is not short of cash, at worst, he will go grab it... ahem.

For help other than funds, Sean himself can use public relations from the government, or he can find Rockefeller. Therefore, this has caused this situation, and a large financial institution and consortium ended up doing it himself.

What Sean can do is to take advantage of the first-mover advantage as much as possible, keep the existing market share, improve service quality, and try to maintain an advantage in the competition.

"So, do you have any new ideas?" Shen Bi tilted his head, looking at Xiao En with some expectation in his heart.

This guy is a bit ignorant, a bit rude and reckless, but his ideas are indeed unconstrained.

If you want to maintain an advantage in the competition with which consortia, ordinary methods are useless at all.

Xiao En rubbed his hair, frowned, his mouth was crooked, his face was ferocious, and he tried his best to use his brain.

It was really hard work, it can be seen from the expression.

"No, there's no way!" Sean said suddenly after a long time.

"Oh, tell me." Shen Bi suddenly became interested.

At his age, the soil is buried up to his neck, and his desire for money is no longer high. He cares more about challenges, new scenery, and interesting things.

If it wasn't for the body's failure, who would care about an interesting soul...

"Damn it, it's going to cost a lot of money again!" Sean said cursingly with an ugly expression.

"Pfft, hahahaha." Shen Bi burst out laughing.

He said that the 20 billion that Sean got a few months ago will definitely not last much time, and it will definitely be spent before the end of the year.

Sean made such a big deal in Malaysia before, and acquired tens of billions of assets. Shen Bi also felt that Sean would break the convention this time, so that he would not lose money again.

Now it seems... dogs can't change eating shit!

Xiao En gave Shen Bi an annoyed look, old man, what the hell, it's really annoying!

A few people next to him also shook their heads with a smile, the old and the young, really.

Shen Bi laughed enough, and then looked at Xiao En and asked, "Come on, how are you going to bankrupt yourself, I'm happy."

"Get out!" Sean gave the old man a sideways look, and then said: "Actually, in my opinion, credit card is a platform, and there are many products that can be derived from it."

"For example, someone's monthly income is 5000 US dollars, and his credit card limit is about 3000 US dollars, but now, he urgently needs to attend a high-end banquet, and he needs to wear clothes that make him look suitable for the upper class. The sum of money, 10000 US dollars, far exceeds his credit card limit and deposits, and he cannot use the card for consumption, so what should we do?"

"We can actually open a business, credit card loans, and use credit loans to change the time of consumption in advance from one month to three months, half a year, or a year."

"After he consumes, he can pay back the money through the credit card in installments. When the credit card limit is updated every month, 1000 yuan will be directly debited..." Xiao En gestured, and Shen Bi immediately understood Xiao En's meaning.

"It's the same as buying a car or a house, except that you don't need a mortgage, you use a credit loan." Shen Bi concluded.

"Yes, that's it!" Sean clapped his hands and nodded.

What is advanced consumption?.JPG

American people, thank me, Sean, in the future, you will not only inherit the inheritance of your elders, but also inherit their flowers...

Are you ready for the horror of Huabei?

When Huabei is ready, I will borrow it for you...

"This requires a credit system." Shen Bi is an old banker, and he thought more deeply, directly to the specific operation level.

"Yes, we need to establish a credit evaluation system on the existing credit card users. I don't understand the formula or something. Anyway, bad debts are easy to appear in this way, so this evaluation system must be very scientific. "