The fake rich man and the beautiful goddess guest chased me

These people have not been in the company for long. Most of them have settled in the United States for many years, and their visas to the United States have not expired.

Therefore, Liang Hanchi and Yi Yunxin can still find the team with different abilities that Lin Feng requires.

Lin Feng said to Liang Hanchi and Yi Yunxin: "You two should quickly call these people to my office."

"Pan and Shen. You two should sit here for a while."

"This task is very urgent and important. In fact, I want to go to the United States by myself."

"I let you two take charge because I trust you. And your visas to the United States must not have expired yet."

Although Shen Tinghe didn't know what the important matter was, she still said: "I will do my best to complete the task."

Pan Mingjie patted his chest and said: "Boss, I will do the job, don't worry."

Lin Feng seized the time and began to assign tasks to the two.

Liang Hanchi and Yi Yunxin were very efficient. They quickly helped Lin Feng select the most suitable people.

Including Pan Mingjie and Shen Tinghe, a group of 17 people soon gathered in Lin Feng's chairman's office.

Although 17 people rushed in at once, the area of ​​Lin Feng's office did not seem crowded at all.

Lin Feng did not beat around the bush and said directly: "Everyone, I need you to go to the United States immediately."

"As for what each of you needs to do, I will notify President Pan and President Shen, and then they will issue orders."

"I can only tell you now that what we are going to do is a very critical thing that cannot be missed."

"If it succeeds in the end, each of you will have a huge bonus and promotion opportunities."

"You may even become a hero of the country."

"Okay, go to the United States to prepare your luggage and other things."

"The human resources department has just booked a flight for each of you to New York in 3 hours. Time is urgent, so let's set off now."

Pan Mingjie and Shen Tinghe led the hurried and confused team to JFK Airport in New York.

Liang Hanchi had already booked two suites in a hotel in the center of Manhattan for them.

As soon as they got off the plane, Pan Mingjie began to instruct two team members who had connections in the United States and knew many people from all walks of life to start the mission.

"We need to hire ten black people, unemployed, without real estate, without a high degree, and finally people who are heavily in debt." Pan Mingjie said.

The two elites who received the task were very confused.

Unemployed?

No degree?

Debt?

Black? ?

Why do we need such people? ?

However, they knew that Pan Mingjie was conveying Lin Feng's order at this time, and they just had to execute it!

They acted without hesitation.

Although this condition sounds strange, it is too easy to find people who meet this condition! !

Walking in Queens or Brooklyn, if you randomly grab ten black people, nine of them meet this definition.

Soon, the ten black men, tempted by the high "tip" rewards, stood in front of Pan Mingjie.

Pan Mingjie said a lot to these black men.

Hearing Pan Mingjie's request, several black people nodded repeatedly: "OK. FINE. NO. Problem."

Pan Mingjie looked at the former top private detective and said: "Ding Xian, did you bring all those pinhole recorders and professional micro recording equipment?"

Ding Xian nodded: "Of course!"

Pan Mingjie said to Ding Xian: "Now, your task is to follow the ten of them and secretly record everything one by one."

"The place they are going to is a public place, not a special secret organization, so the difficulty of secretly recording should not be very high."

Ding Xian smiled and said: "Don't worry, Mr. Pan, I am very capable! ! Not to mention public places. Even if I go to the women's bathroom, I can help you record the scene you want."

Pan Mingjie spat: "Bah! I'm not that perverted!!"

The first stop of Lin Feng's team was a business place of Freddie Mac in Queens, New York.

Although the name of Queens is awesome, Queen, it is a great name!

But in fact, Queens is a famous black area in the United States, and is known as a place where crime breeds, along with Brooklyn.

Compared with the luxury of Manhattan, these areas where blacks gather are full of crimes every day.

Basically, white people will not pass through these black areas.

Fannie Mae and Freddie Mac are the two largest housing mortgage financing institutions in the United States. They are also special types of finance sponsored by the US government.Financing company.

The two institutions together own or guarantee nearly 5 trillion US dollars in housing loans, accounting for more than half of all mortgage loans in the United States.

Simply put, Freddie Mac does not lend directly.

They buy housing mortgages from mortgage companies, banks and other lending institutions.

Next, Freddie Mac will package the purchased loans into housing mortgage-backed securities and then sell them to institutional investors such as investment banks, insurance companies or funds.

In layman's terms, Freddie Mac is just an intermediary, extracting the handling fee. Then the real estate mortgage rating is packaged and sold to investors such as investment banks.

All the risks of mortgage securities are borne by investors such as investment banks.

However, Freddie Mac is the only assessor and the only authoritative appraisal agency for whether the homeowner of the mortgaged property has the ability to repay the loan.

Although Freddie Mac is just an intermediary to earn "handling fees", their power is very great.

Because it is they who decide whether the borrower is eligible for the loan.

No matter in which world, capitalists want to make quick money.

Profitable business, naturally, the more the better.

Especially for companies like real estate, they earn commissions and do not need to bear risks.

Naturally, Freddie Mac will not perform its duties well and help investors assess risks seriously and responsibly.

Freddie Mac often does not consider the risks brought by the potential arrears and defaults of all mortgaged properties.

After all, for real estate, they just need to make money.

Anyway, when the mortgagor cannot replace the loan and cannot get the money back, it is not them, but the investment banks and funds that bought "mortgage-backed securities".

Even if the mortgagor cannot repay the loan, it still has nothing to do with Freddie Mac.

Besides, there are still properties being mortgaged! !

Gradually, Freddie Mac's ambitions are getting bigger and bigger.

It is not enough to make money just by packaging and selling "mortgage-backed securities" with relatively low risks as an intermediary! !

So, they joined forces with investment banks and a group of elite bosses on Wall Street to develop a deceptive thing called "subprime mortgages".