Vol 2 Chapter 435 What do you mean by misfortune and good fortune…

The huge surprise completely surrounded Sean, his eyes shot out a green light, twinkling, and the old man Shen Bi just rolled his eyes.

After scolding a few words silently, Shen Bi turned his head away, the villain is successful!

Sean really didn’t expect that his bank suddenly became so valuable!

After so many years of tossing, he saw the money back for the first time!

The hard days are finally over!

Tears filled my eyes!

Excited, in addition to joy, a bitterness surged from the bottom of my heart, mushrooms, blue thin!

Sadness is for a reason!

Sean sighed in the sky!

Shen Bi angrily stomped his foot and pointed at Sean’s nose, “I warn you, don’t stop!”

In Shen Bi’s eyes, Sean might as well let out the big villain’s wild laughter.

Sean Bank has suddenly emerged and has successfully entered the top 100 in the US financial industry. It’s a big happy event. Who are you showing such a sad look!

Versailles is the race, right?

This guy is really nasty!

Sean came back to his senses and looked at Shen Bi: I didn’t, I didn’t, don’t talk nonsense!

“Old man, listen to me.” Sean looked at Shen Bi with a serious look on his face, with a hint of melancholy in his tone, “In the beginning, a protective umbrella was originally set up for selling fake alcohol, but in the end, the fake The wine business has been completely abandoned, and the umbrella has become the largest company and the most important force in its hands.”

“At the beginning, Sean Bank was established for money laundering and turnover convenience. 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 over and became the most valuable company in its own hands. .”

I, a dignified traveler, a proactive company, what Husky Energy, what terminal business, what shipping, what Sean Pictures, what New Century Media, what Staples Center… I don’t have a **** one to make myself proud of!

So far it’s still a **** loser!

As a result, I prepared accessories for them, and it was a **** success!

My heart is sad, who can understand!

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

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

What is the status of New Century Media in Laomei?

To put it nicely, it is the second largest cable network and the top 10 in the media group.

bad words…

Whoever dares to say that Sean dares to beat anyone!

Mainly, according to the media group, there are AT&T, Fox, NBC Universal, Concord, Viacom, News Corporation, ABC of Metropolitan Communications…

Yes, Sean is at most comparable to Fox, but not to News Corp.

News Corporation is not only in the United States, but also in foreign countries such as The Sun, The Times, SKY Sky TV, Asia Star Media…

Those other companies, um, Sean Pictures did make a lot of money, but Sean really doesn’t look down on this kind of money.

It is said that it is the eighth largest in Hollywood, but in fact, the eighth largest in Hollywood is just like that.

Other industries are still in the net investment stage, and they have not seen any money back.

Including the stocks of technology companies that Sean has been acquiring, stocks are floating profits until they are sold, which is incalculable.

Besides, it’s not time for the tech industry to explode.

Even if it is a protective umbrella, this thing can’t be calculated as a market value, and there are not many people in the world who are qualified to intervene.

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

The east side was crying, and Sean didn’t dare to sell it.

so…

“What’s wrong with me!” The old man Shen Bi was furious, “And he said you weren’t in Versailles!”

“Okay, woohoo hahaha, you found out!” Sean laughed for a while, and it was indeed a bit ordinary.

After laughing for a while, Sean sat down and wrapped his arms around old Shen Bi’s shoulders, “Xiaolong, how come the valuation has skyrocketed several times!?”

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

“The 25 million card users, although only 10% of the entire U.S. population, are relatively concentrated in the group of housewives and the middle class.”

“Without teenagers, a small number of blacks and Latinos are also rich, so if the proportion is calculated according to the group with actual spending power, it can reach the terrifying proportion of 30%.”

“There are overwhelming advertisements, plus it doesn’t cost money to apply for a card, and there are gifts to give, plus only our bank can provide similar services at present, so…”

“It’s my bank, not ours!” Sean interjected with a mean smile.

Shen Bi: ! !

Go go go go!

The old man couldn’t bear it anymore, he didn’t need to bear it any longer, he turned his head and aimed at Sean’s chest with a ‘boom’, ‘boom’, and a hammer!

God **** the bastard!

Sean laughs and hides, gets hammered, coughs while laughing, ah, it’s so fun!

After punching Sean more than a dozen times, the 60-year-old old man Shen Bi was panting from exhaustion, his face was flushed, and steam began to rise from his head.

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

“Okay, okay, don’t be angry!” Sean stretched out his hand to comfort him for a few words, and then he couldn’t help but say: “I’m quite old, as for it, I can’t make a joke, what about your bearing, yours? Conservation.”

“You still said it!” Old man Shen Bi was angry and wanted to beat Sean again.

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

Norris would have beaten Sean if he hadn’t been afraid that Sean would drop him on the excavator and play with the big pendulum.

Torre didn’t turn his head away, afraid that he couldn’t help it.

“Okay, the main thing is, I’m really happy today.” Sean quickly raised his hand and surrendered.

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

“Currently, there are not many merchants that provide card machine services. Even if it is new, even if it feels very convenient, there are many stubborn people, not to mention the need to re-open an account in Sean Bank.”

The reputation of Sean Bank has just been released, and many merchants are not so trustworthy. There are many commercial banks that have suddenly risen in the United States, and how many persist.

To put it in a bad way, the surge in business volume can make a bank suddenly rise, but there are very few that can maintain it. At present, there is only one Wells Fargo Bank.

Most of them declined due to the surge in business volume and their own management and services could not keep up, and the other part fell into chaos because of blind expansion due to the expansion of business.

Anyway, the final solution is basically to be annexed.

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

But one thing is for sure, Sean Bank’s credit card business does provide convenience, and the future will be vast, so business valuations have skyrocketed.

If you want to acquire Sean Bank, including the credit card business, it is impossible without 20 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 vast.

“However.” Shen Bi looked at Sean and said, “In order to promote the credit card machine, we, no, you, you, the preferential terms you set for the merchants are very big. We have not yet made any profit from the credit card business, and we are still in the net. investment stage.”

“Moreover, seeing the benefits of this business model, according to the news sent by the Rockefeller office, several major financial institutions and consortiums, Morgan Stanley, Goldman Sachs, etc. are all making plans to develop a credit card business.”

“Fake, **** Fake!” Sean was furious on the spot, “These **** copyists!”

hateful!

Seeing Sean’s frantic look, Shen Bi immediately became happy.

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

When a good business emerges, it is inevitable that plagiarists will follow.

Just like the Chinese Amazon, the French Amazon… unstoppable.

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

If it wasn’t for Sean himself, he would have a huge influence, and he could handle it at will. With Rockefeller behind him, those financial institutions and consortia would directly attack the bank.

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

It’s not kindness, it’s mainly a matter of reputation, you won’t save a few dollars, and there’s no need to ruin your reputation.

Most of the methods are enticing, providing various conveniences while conducting venture capital and acquiring most of the shares.

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

After acquiring most of the shares, help you to suppress, acquire other followers, support and grow, and intercept the best interests.

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

He’s not short of cash, and if it’s a big deal, go grab it…cough.

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

What Sean can do is try to take advantage of the first-mover advantage, 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 and looked at Sean expectantly.

This guy is a little ignorant and reckless, but his ideas are really wild.

If you want to maintain an advantage in the competition with which consortium, the ordinary method is completely useless.

Sean rubbed his hair, frowned, cocked his mouth, and tried his best to use his head.

It was really hard work, you can tell from the expression.

“No, no way!” After a long time, Sean said suddenly.

“Oh, talk about it.” Shen Bi suddenly became interested.

At his age, the soil is buried to the neck, and the desire for money is not high, and he cares more about challenges, new scenery, and interesting things.

If the body is not dead, who cares about the interesting soul…

“Damn, 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 2 billion Sean made a few months ago would definitely not last for much time, and it would definitely be spent before the end of the year.

Before Sean had tossed around such a big situation in Malaysia, he had acquired tens of billions of assets, and Shen Bi also felt that this time Sean would break the routine and would not run out of money again.

Now it seems… dogs can’t stop eating shit!

Sean glanced at Shen Bi angrily, “Damn old man, what the hell, it’s really annoying!”

A few people next to him also smiled and shook their heads, this old and one young, really.

Shen Bi laughed enough, then looked at Sean and asked, “Come on, how are you going to bankrupt yourself, to make me happy.”

“Go on!” Sean glanced at the old man before saying, “Actually, in my opinion, a credit card is a platform, and there are many products that can be derived from it.”

“For example, someone’s monthly income is $5,000, and his credit card limit is around $3,000, but now, he needs to go to a high-end banquet, and he needs to dress to make himself look high-class, which is a big The sum of money, $10,000, far exceeds his credit card limit and deposits, and he can’t swipe the card to spend, what should I do?”

“We can actually open a business, credit card loans, and use credit loans to change the time for advance consumption from one month to three months, half a year, and a year.”

“After he consumes, he can repay the money by credit card in installments. When the credit card is updated every month, 1,000 yuan will be directly crossed out…” Sean gestured, and Shen Bi immediately understood what Sean meant.

“It’s the same as buying a car and buying a house, but this one doesn’t need a mortgage, it uses a credit loan.” Shen Bi concluded.

“Yes, that’s it!” Sean clapped his hands and nodded.

What is over-consumption?.JPG

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

Are you ready for the horror of Huabei?

When the flowers are done, I will lend them to you…

“This requires a credit system.” Shen Bi was an old banker, so he thought more deeply and went straight to the specific operational level.

“Yes, we need to establish a credit evaluation system on the existing credit card users. The calculation formula is still something, then I don’t understand. Anyway, it is easy to have bad debts and bad debts, so this evaluation system must be very scientific. ”

“And, let me tell you, once this credit evaluation system actually works well, we can completely promote this evaluation result.”

“This can be needed by many industries, and even when hiring, HR wants to find someone with a good reputation, not someone who owes a bad debt.”

“It’s a standard, and it’s a standard for people!” The old man Shen Bi stood up abruptly and looked at Sean in shock.

First-class companies make standards, second-class companies make brands, and third-class companies make products.

How powerful is the standard?

Enterprises have the right to speak of industry rules, and can seize market opportunities and gain huge economic benefits by relying on patented technologies that formulate industry standards.

Of course, if Sean can turn the credit system into a personal credit evaluation standard, although there is no patent or anything, the economic benefits will not be less.

Information is money!

Anyone who attempts to call the information will have to pay!

“Okay, okay, sit down, it’s all about the basics, don’t be six!” Sean leaned on the sofa, put one hand on the back of the sofa, and waved his hand in a ‘light and calm’ face, “Where is this? Oh, there are too many other applications.”

The corners of Shen Bi’s mouth twitched, here I come, here I come again, full of anger!

“For example, we can make a database for merchants to use, all the data of credit card consumption is on it, and they can easily see, in a certain week, in a certain month, which products are selling the best, which ones are uninterested, and which time. The period is the peak of consumption, which time periods are few passengers, which age groups like which products, women, men, the elderly, children…”

“I think these data are extremely important for merchants, and these things are difficult to count in raw cash transactions, right?” Sean said with a smile.

Shen Bi nodded heavily, indeed, very important!

The bigger the storefront, the higher the importance. It is not that there were no company statistics before, but it is definitely not so convenient, fast and accurate.

“Moreover, we can also make a big database ourselves to count data on consumption, consumer products, number of consumers, single-person consumption, etc. across the United States.”

“We can also help companies in need to conduct product research, the actual sales of products, in different regions, consumer groups, etc. Can these statistics make those companies spend a lot of money?”

Shen Bi nodded again, this is so capable, and the price is very high, it’s a unique business!

“We can also conduct statistics on the U.S. market and make monthly, weekly, and daily U.S. consumption curves. As long as the data is large enough and wide enough, we can even judge the future market conditions of a region in advance, and future economic conditions. Development, whether the economy is growing or declining.”

“We can even speak when the crisis of an industry will come, and when will the economic crisis of the language come, is this enough?” Sean waved his arms, and the more he spoke, the more excited he became.

This is to throw out the big data theory in advance. Although the credit card system can only be used to collect insignificant data, this has already shocked Shen Bi into a fool.

“Cow, awesome!” Shen Bi said in a stupefied voice.

If you can really achieve this step, it is really equivalent to seeing the general trend of future development, and it is impossible to lose money!

Of course, it’s too hard, too hard, to do this.

Where is Shen Bi sitting, he has been digesting Sean’s words, this new concept makes this old man who retired in the 1980s seem to see a ‘god’!

So much so that the imagination of the brain can’t keep up for a while, it’s too sci-fi!

in a trance…

This state of affairs continued for several days.

until…

“The idea is really good, very good. If it is realized, then life will be invincible.” Shen Bi looked at Sean, and at this moment, he was indeed convinced.

How about being ignorant or being reckless? These are actually not important. Success is actually very simple. Do you have any good ideas or good ideas?

This is like a scientific invention and creation, the most important thing is not the 99% effort, but the 1% flash of inspiration.

“It’s just that this requires a lot of money, a lot of money.” Shen Bi tilted his head and looked at Sean, “Are you ready?”

Sean’s hand holding the teacup stiffened in the air, and the tea flowed along the edge on his thighs, ooh ooh! !

Quickly grabbing his pants, Sean was so hot that he only shouted.

Shen Bi seemed to have not seen it, and said with a smile on the corner of his mouth: “At least, we need a supercomputer, the kind that starts with a few hundred million.”

Sean took the ice pack brought by the maid and pressed it on his lap, then sat down again and looked at Shen Bi with a depressed expression.

Oh, the old man still can’t keep up with his imagination.

That’s more than a supercomputer…

What’s more, even if it is only statistics and storage of tens of millions of people’s daily consumption data, with the current storage and computing speed, a database array covering an area of ​​several thousand square meters is necessary.

Oh yes, at least a backup of the data…

The daily power consumption alone will make people crash!

Spicy ratio!

At the current price of the electronic market, throwing this money into it is just a waste of money.

shit!

Suddenly, Sean had a hunch that he had become a big loser again.

Those cute little bucks flapped their wings and flew away.

Geneva!

But, once you have an idea, it’s definitely a good idea, just throw it there and don’t use it?

How can you bear it!

Sean only felt that his legs were no longer hot, but his brain was hot.

The man lay on the sofa with a painful face, picked up the ice pack and put it on his forehead.

He needs to be calm.

After a long time, Sean sat up listlessly, “It’s definitely something to do, come on little by little. I want to develop statistical software for merchants. We only do data storage and query. Those complicated ideas are all postponed.”

“Come a little.”

“Now the network transfer speed is only 56KB, which is a big trouble.”

(In 1986, the National Science Foundation created a backbone network with a speed of 56KB/sec.)

If I remember correctly, the future of Internet access is in the hands of AOL and AT&T… Do you want to invest some money?

The messy thoughts swirled around in Sean’s mind and were thrown out.

“Let’s get the system and database setup done first.” Sean sighed, he’s not a software company that doesn’t know shit, it’s completely different.

This thing must be outsourced, either to Microsoft or Oracle.

He has been buying stocks for a long time in both of them, and the stock prices are not high now.

There are some thoughts in my mind, is it taking this opportunity to formally intervene in Microsoft and Oracle?

“Okay, who do you show that frowning face!” Shen Bi replied to Sean, and then continued: “Two good news to you, first, the laying of the TAT-8 system for the transatlantic submarine communication cable. Success, UU Reading www.uukanshu.com In other words, the credit card business can already connect America and Europe!”

“You must consider continuing to invest in Sean Bank, with a larger proportion of investment. We want to expand our business in Europe. Those top financial institutions will not give you time to take your time. If you don’t occupy the market, they will!”

“Is this good news?” Sean’s eyes widened suddenly, “This is so bad news, and it costs money?”

“Having expanded its business scope, Sean Bank will officially set foot in Europe, a major global bank, isn’t it good news?” Shen Bi looked at Sean with a half-smile.

“Okay, that’s **** good news!” Sean gritted his back teeth and said, “What about the other one?”

“The submarine optical cable across the Pacific is not unexpected. The construction will be successful next year. The real-time data exchange between Asia and the Americas will be completed, and the business scope can be expanded. This is undoubtedly the best booster for your Asian investment banking plan!” Shen Bi said with a big smile.

Sean clutched his chest and fell on the sofa, his body twitching unconsciously.