America's Big Hero

"And, let me tell you, once this credit evaluation system actually works well, we can definitely promote this evaluation result."

"This can be needed by many industries. Even when recruiting, HR hopes to find someone with a good reputation, not someone who owes a lot of bad debts."

"This is the standard, and it's the standard for people!" The old man Shen Bi stood up abruptly, looking at Xiao En in shock.

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

How powerful are standards?

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

Of course, if Xiao En can turn the credit system into a personal credit evaluation standard, although there is no patent or anything, he will gain economic benefits.

Information is money!

Anyone who tries to use the information will be charged!

"Okay, okay, sit down, it's all basics, Wuliu!" Sean leaned on the sofa, resting on the back of the sofa with one hand, and waved his hands with a 'calm' face, "How can this be so?" Well, there are too many other applications."

The corner of Shen Bi's mouth twitched, it came, it came again, full of pressure!

"For example, we can make a database for merchants to use. All the data of credit card consumption is on it. They can easily see which products sell best in a certain week or a certain month, which ones are not interested, and which time The period is the peak of consumption, which time period the passenger flow is rare, which age group likes which products, women, men, the elderly, children..."

"I think these data are extremely important for merchants, and it is difficult to count these things in raw cash transactions, right?" Xiao En said with a smile.

Shen Bi nodded heavily, indeed, it is very important!

The bigger the store, the more important it is. It is not that there was no company statistics before, but it is definitely not so convenient, fast and accurate.

"Moreover, we can also build a large database ourselves to collect statistics 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 statistical data make those companies spend a lot of money to buy?"

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

"We can also make statistics on the market in the United States, and make monthly, weekly, and daily consumption curves in the United States. As long as the data is large enough and the scope is wide enough, we can even judge the future market situation of a region in advance, and the future economy. development, whether the economy is growing or declining.”

"We can even tell when the crisis of an industry will come, and when the economic crisis will come. This is awesome!" Sean waved his arms, and the more he said, 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, Shen Bi has already been shocked into a fool.

"Nice, awesome!" Shen Bi said dumbfounded.

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

Of course, it is too difficult, too difficult to achieve this step.

Where Shen Bi was sitting, he had been digesting Xiao En's words. This brand new concept made this old man who retired in the 80s seem to see a 'god'!

As a result, the imagination of the brain couldn't keep up for a while, it was too sci-fi!

in a trance...

This state lasted for several days.

until……

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

It doesn't matter if you are ignorant or rude, these are actually not important, success is actually very simple, do you have any good ideas, good ideas.

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

"It's just that it needs 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 froze in mid-air, and the tea flowed down the rim onto his lap, ouch! ! !

Grabbing his pants quickly, Sean just yelled from being burned.

But Shen Bi didn't seem to see 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."

Xiao En took the ice pack from the maid and pressed it on his lap, then sat down again, looking at Shen Bi with a depressed face.

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

It's more than just a supercomputer...

What's the matter, even if it's just 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, by the way, there must be at least one backup of the data...

Just the power consumption every day will make people crash!

Spicy ratio!

At the current price of the electronic market, if you throw in the little money yourself, it's just a splash.

shit!

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

Those cute little coins flapped their wings and flew away.

Geneva!

However, once you have an idea, it is definitely a good idea, so just throw it there and 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 in pain, picked up the ice pack and put it on his forehead.

He needs to be calm.

It took a long time for Sean to sit up listlessly, "It's something we must do. Let's do it a little bit. We want to develop statistical software for merchants. We only do data storage and query. Let's postpone all those complicated ideas."

"Come on a little bit."

"Now the network transmission speed is only 56KB, which is a big trouble."

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

Remember, the future of Internet access services is in the hands of AOL and AT&T... Do you want to invest some money?

Messy thoughts circled in Sean's mind and were thrown out again.

"Let's get the system and database set up first." Sean sighed. He doesn't know how to run a shitty software company, it's completely different.

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

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

There are some thoughts in my mind, should I use this opportunity to formally intervene in Microsoft and Oracle?

"Okay, who will show you the frowning look!" Shen Bi yelled at Sean, and then continued: "I have two good news for you. First, the laying of the transatlantic submarine communication cable TAT-8 system Success, that is to say, the credit card business can connect the Americas and Europe!"

"You have to consider continuing to invest in Sean Bank, a larger proportion of the 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 occupy it!"

"Is this good news?" Sean's eyes widened suddenly, "Is this bad news, and it costs money?"

"The scope of business has been expanded, Sean Bank will officially set foot in Europe, a big global bank, isn't it good news?" Shen Bi looked at Sean with a half-smile.

"Well, it's fucking good news!" Sean gritted his molars and said, "What about the other one?"

"The submarine optical cable across the Pacific is no accident. The construction will be successful next year. Asia and America will complete real-time data exchange, and the scope of business can be expanded. This is undoubtedly the best booster for your Asian investment bank plan!" Shen Bi said with a big laugh.

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

Chapter 432: Sean's Chance

Can't I be rich?

Sean fell into deep doubts about himself.

Spicy ratio!

Just now he felt that he was rich, and immediately, more expenses came out. Sean only felt that his whole body was not good.

Lying on the sofa, I entered a state of lovelessness.

So why!

Seeing Xiao En's appearance, Shen Bi was very happy. He was an old man in his 60s, clutching his stomach, and twitching with laughter.

"Don't laugh yourself to death, you'll think I murdered you later!" Seeing Shen Bi's appearance, Xiao En rolled his eyes.

As for being so open-minded?

Ah, as for it!

Shen Bi: As for, too much!

After laughing for a long time, until his stomach started to hurt, Shen Bi slowly recovered, but the smile on his face still couldn't be hidden, which made Xiao En very irritable.

"Okay, okay, look at your appearance." Shen Bi smiled and pointed to Sean, "Actually, your situation is very common, or it is an inevitable phenomenon."

After laughing enough, Shen Bi began to explain to Xiao En that in fact, most rich people would have Xiao En's troubles.

Unless the kind of rich people who don't want to make greater progress and just want to enjoy life will be easier.

After a large company or a super-large company develops, even the founder will actually become involuntary, even if he wants to lie flat, he will be coerced, and he must struggle and struggle every day.

This is like a lot of rebels, do they want to rebel and want to ascend to the throne?

mostly yes...

However, a small number of them were really forced to go up, and they couldn't even withdraw.

It's like Zhao Kuangyin with a yellow robe added to his body. At that time, even if he doesn't want to rebel and ascend the throne, he can't do it.

If Zhao Kuangyin does not ascend the throne, then those who follow him still want to go further.

The generals below don't want to go further, the personal guards below the general, and the deputy generals below still want to go further.

In the end, those soldiers who reached the bottom, the more they are at the bottom, the more they want to climb the peak. Of course, it doesn’t matter if there are one or two of these bottom forces, but when the number reaches a certain level, the upward force like a volcanic eruption will be formed. Push the person on it up.

Zhao Kuangyin is not hierarchical, how can the people below be appointed as marquises and worship ministers, and if they are not, how can the people of the next year become generals.

Right.

If Zhao Kuangyin is determined to be Hou Zhou's diehard loyalist, then there is only one possibility, that is, Zhao Kuangyin dies and a new leader is pushed up.

The same is true for these super-large enterprises that are replaced by modern ones.

The founder feels that he has earned enough money and is ready to enjoy life, and loses the motivation to forge ahead. Then there is only one result, that is, the company's top executives start to think about their own future and start poaching the company's corners.

Layer by layer, all the way to the bottom, they all began to poach the company's corners. In the end, the company was heavily in debt, went bankrupt and liquidated, and the founder fell into the world overnight.

become the executor...

The result of the founder lying flat is that the bed collapsed and there was nothing to lie down.

Therefore, there must be a retirement system... ahem.

Where you always sit, the people below can't get in...how can you be a prince for 70 years!

Closer to home, after Shen Bi's explanation, Xiao En felt much better.

Thinking about it, Murdoch is also very pitiful. He is obviously very dedicated, and he likes a young, beautiful and good figure. As a result, he doesn't have much time to enjoy life.

A lot of time and energy are wasted in 'meaningless' work.

At this age, I have earned money and rights, but I still can't enjoy life. Life is really too colorless!

Thinking about it, Sean couldn't help laughing.

Shen Bi saw Xiao En suddenly showing a strange smile, with a bewildered expression on his face, and instinctively told him that Xiao En didn't think of anything serious.

"Well, I'm still young, so I'm not suitable for lying flat." Sean waved his hand and continued the previous topic.

Shen Bi snorted, and continued to chat with Xiao En, "The previous Xiao En Bank was a safe fund settlement tool and transfer channel for you, and it didn't even have a strong function of providing financial support, so the scope of business It has always been relatively narrow, but after the opening of the credit card business, it will be different.”

"That's right, I've also absorbed a lot of deposits, why do I still have no liquidity to use, what kind of planes are you doing!" Speaking of this, Sean became angry.

The purpose of starting a bank is to use other people's deposits to develop their own business. Now, what the hell, the money has not been borrowed, and instead they ask themselves for money all day long, becoming a gold-swallowing behemoth.

"You..." Shen Bi pointed to Xiao En, then shook his head and put it down in a slumped manner, as if you were hopeless.

"You have to understand that your purpose of establishing a bank is different from others, so naturally it is impossible to achieve that effect, this is common sense!"

"It's just that you don't even understand how the bank makes money and why the profit margin is so high?"

"Lend out the money to make money!" Sean scratched his neck, his face darkened, as if you were insulting my IQ with such a simple question.

"Oh, and then?" Shen Bi sneered, "Banks have to provide interest rates to depositors, and the interest rate for loans is higher than that for deposits, but it is about 2 points, and now the bank loans in Japan are only 1 point." , is almost lower than the deposit interest rate, how to achieve a profit rate of 20-30%?"