I am a super cop

Chapter 1403 Finance Master
The middle-aged man rubbed his eyes, stepped back to the door, squinted his eyes, and asked the waitress, "What? Is this '8' or '6'?"

"Sir, this is private room No. 8." The waitress said politely.

"Oh, that's really the wrong private room. I'm looking for room No. 6." Seeing that he found the wrong private room, the middle-aged man also smiled, and then waved to everyone in the private room to apologize: "I'm sorry to bother you."

"Liu Quanbiao?" Xiao Enjun narrowed his eyes, stood up immediately and said, "Aren't you Liu Quanbiao?"

"Huh?" When Xiao Enjun said it, the middle-aged man suddenly hunched over, took two steps, took another look, and instantly raised his right index finger: "You... aren't you the one from the old Xiao's family? Xiao Enjun? "

"Yes, it's me." Xiao Enjun said with a smile.

"Ouch." Seeing an acquaintance, the middle-aged man named Liu Quanbiao immediately grinned, stepped forward, shook hands with Xiao Enjun and said:
"I ran into you here, eh? Aren't you on Wall Street? What? Come back to visit relatives?"

"I have already resigned." Xiao Enjun politely dragged out an empty chair and asked Liu Quanbiao to sit down first. Then he explained: "I have received offers from several investment banks in Shanghai, and I am going to develop in China."

"In this way, I can spend more time with my family, and..."

Glancing at Yuan Shasha, Xiao Enjun said again: "And my girlfriend."

"Oh, so that's how it is." Looking at Yuan Shasha, Liu Quanbiao suddenly felt a little familiar, but he couldn't remember where he saw it.

Seeing Liu Quanbiao's sudden visit, Xiao Enjun hurriedly introduced to everyone: "Let me introduce to you, this is Liu Quanbiao. He used to work in a financial company and has a lot of business contacts with my family."

"Hello." Liu Quanbiao nodded slightly to everyone with the smell of alcohol all over his body.

Then everyone nodded in response.

So, Xiao Enjun introduced Liu Quanbiao again, and told everyone that he was his girlfriend's colleague.

After a brief self-introduction, Xiao Enjun also asked him curiously: "By the way, Liu Quanbiao, why are you here?"

"Bad! I'm not eating here with some business friends." Seeing Xiao Enjun handing him a pair of chopsticks, Liu Quanbiao was not polite, and directly took a few mouthfuls of the dishes in front of him.

Putting down the chopsticks, Liu Quanbiao also complained: "I just had a meeting with the bank this afternoon, and I felt a little touched after I came out of the bank."

Looking up at everyone, Liu Quanbiao also asked drunkenly: "You said, their building was not all built with money from depositors at the bank, at least part of it was."

"Why do you say that people give it money, and then, it gives the money to others, and then they make money?"

After belching, Liu Quanbiao also patted the table, and said with a smile: "I always chat and joke with them, why should I say?"

"But at the bank, they actually want to say the same thing, saying that you don't need to come, you don't need to give me the money, you can leave it at your home."

"Hehe." Feeling that Liu Quanbiao had drunk too much and started talking nonsense, Lu Weiwei couldn't help holding back her laughter, and explained:

"That license plate is valuable, why? That's what it's for."

"That's right, you're right." Seeing that it was Lu Weiwei who spoke, Liu Quanbiao flicked his fingers and said involuntarily:

"Anyway, this is society. It's just such a game rule that has formed such a structure and its logical system."

"Are you saying it's right? I don't know if it's right, are you saying it's wrong? I don't know what's wrong, anyway, everyone agrees."

Seeing Gu Chen serving himself a little red wine, Liu Quanbiao directly picked up the goblet, drank it all in one gulp, and said:
"Anyway, what is this... just such a set of game rules, you have to do it if you can, and you have to do it if you can't."

"In this way, the banking system and investment banking system were formed, and so on... Then what, this is a knot that no one of us can get around in our lives."

"Uh-huh."

Seeing Liu Quanbiao talking endlessly in this private room, everyone could only nod in agreement, and it was not easy to interrupt.

It seemed that Liu Quanbiao was quite emotional in his heart and wanted to vent his anger by getting drunk.

Liu Quanbiao saw that most of the people here were strangers, so he said without hesitation: "I think, most of the money in this bank should be called the vast majority. It belongs to other people, depositors, right?"

"Yes." Gu Chen silently nodded and echoed.

Liu Quanbiao patted the table again, and said, "What is it? The share capital, yes, is the share capital, which belongs to the shareholders, but its share capital is very small."

"So they are in the bank's financial statement. When you look at it, the bank's reserve is recorded in the column of liabilities, and it is regarded as a liability."

"So this bank has a high debt ratio, and its financial statements are not very good in theory."

"So?" Seeing that Liu Quanbiao had said a lot, Gu Chen seemed to want to express something.

But Liu Quanbiao seemed to talk for a long time, but he couldn't get to the point.

Seeing that Gu Chen took the initiative to ask, Liu Quanbiao also smiled lightly, patted Gu Chen on the shoulder and said, "Gu Chen, let's think about it carefully, you said... How does this person possess wealth?"

"Based on..." Gu Chen just wanted to speak, but thought that the person next to him was a financial boss, so he shook his head modestly and said, "I don't know, I would like to hear more about it."

"Hey." Liu Quanbiao laughed twice, and leaned back on the seat, making gestures to the crowd:
"Anyway, based on my many years of experience, I have summed it up. There are three in total."

Stretching out his right index finger, Liu Quanbiao also said with great interest: "This number one is what I got in exchange."

"What do you mean in exchange?" He Junchao, who was eating the dishes, also asked curiously.

This made him a favorite, but Liu Quanbiao blurted out: "You asked well, what do you mean by exchange?"

"For example... I work part-time, and I work for others, from nine to five, and then they pay me three thousand, five thousand, eight thousand, right?"

"I paid for my physical strength, intelligence, and hard work. This is what I paid for."

"Oh." Knowing that Liu Quanbiao was drunk, He Junchao pretended to be suddenly enlightened, and his voice should be particularly loud.

Seeing someone agreeing with him, Liu Quanbiao became even more excited, and he also talked eloquently: "And this matter depends on who you are? What is the concept? For example, your birth was born with a golden key in your mouth, or with saliva in your mouth." .”

Looking at Xiao Enjun in front of him, Liu Quanbiao also smiled and said: "Just...just you, Xiao Enjun, you are the one who came out with a golden key in his mouth."

"Me? I don't count? At most, it's a well-off family."

"Pfft!" He Junchao almost couldn't laugh out loud when he heard Xiao Enjun was here in Versailles.

My heart said that a returnee investment bank elite family like yours had the money to open a chain hotel at that time. It can be seen that this so-called "well-off" family must be the existence I look up to, right?
Liu Quanbiao was not so entangled, he waved his hand directly and said, "Don't deny it, I have been doing business with your family for so many years, and I know your family's financial situation very well."

"Anyway, that's what it means." Glancing at Gu Chen, Lu Weiwei, He Junchao and Yuan Shasha, Liu Quanbiao also smiled teasingly:
"Xiao Enjun was born with a golden key in his mouth, but this is a minority after all. Most people are just ordinary people."

"And this initial stage, the starting line, determines who you are."

"So this matter is more like the balance sheet in the company. What do you have? Who are you? That determines what you have, right?"

"Yeah." Everyone nodded silently, feeling that they should pretend to cooperate.

Seeing He Junchao graciously toasting himself, Liu Quanbiao also clinked glasses casually, took a sip and said: "The first way, the way to make money is in exchange for what you have to pay."

"There must be costs first, followed by income, which corresponds to the balance sheet."

"And this second method is borrowed. What is borrowed? I ask you what is borrowed?"

It feels like Liu Quanbiao has entered private room No. 8 by mistake, and he is here to give you a lesson on financial management, right?That's a lot to talk about.

But although everyone felt embarrassed in their hearts, they still pretended to listen carefully on the surface.

It's like listening to a master lecture.

Gu Chen said with a smile: "The bank is the most typical, the money of the bank is borrowed, but it uses the borrowed money, then earns money, and then repays the money, it has risen to a dimension. "

"Yes." Hearing Gu Chen's speech, Liu Quanbiao snapped his fingers and said, "This depends on your ability."

"It's the depth of your wealth. It depends on how much money you can borrow. People who can borrow money... are all high-level people."

"Because the underlying logic is your integrity, and your integrity depends on your past history."

Talking about having fun, Liu Quanbiao directly raised his legs and said with a smile: "What you have determines how much you can borrow, and what you can do determines how much you can borrow."

"This is the most typical, corresponding to the statement in the enterprise, which is the cash flow statement."

"It means that many of your companies, such as some particularly well-known listed companies, are now these well-known Internet companies."

"Looking at their financial statement, from the perspective of profit and loss, it is losing money, but it has a lot of cash flow."

"So, it can still get money from the capital market."

"You can also ask for credit and liquidity from the bank. This is the second way, which is called borrowing."

"What about the third one?" Lu Weiwei also asked humbly.

Liu Quanbiao smiled and continued: "There is also the third method, which is obtained by 'robbing'."

"What? Snatched? Snatching money is against the law." He Junchao hurriedly reminded him when he heard that the third way of getting money was actually snatching money.

But Liu Quanbiao smiled, as if the policeman didn't understand the meaning, so he took the initiative to explain:

"The 'grab' I'm talking about is different from the 'grab' you understand."

"Why is it different? Is there a way to rob money? Or robbing a cash truck? Or robbing a bank?" He Junchao couldn't help complaining, feeling that he was in a fog.

At this moment, Gu Chen smiled lightly and said, "Presumably the 'grab' mentioned by Mr. Liu is not a hard-core money grab in a physical way, right?"

"That's right, I didn't say 'grab' in this way." Hiccup, Liu Quanbiao took the initiative to explain:
"What do you mean by 'stealing'? People who 'steal' money, this must be put in quotation marks, it is to specify the rules of the game."

"For example, the secondary distribution of wealth in our society is robbed."

"However, we cannot say that the logic of 'grabbing' comes from this kind of violence. My 'robbing' to this kind of violence does not refer to this concept."

"I... can I express my words clearly?"

It seemed that even he was confused, and Liu Quanbiao began to speak incoherently.

Gu Chen nodded slightly, and continued to echo, "It's very clear, tell me."

"Yeah." Nodding silently, Liu Quanbiao put his hands on the dining table and belched loudly: "This is it... It's a game rule... a manifestation of the secondary distribution of wealth."

"And this is also a kind of power, and this kind of power, in the company's statement, is the profit and loss statement, the profit statement."

"But this income statement determines how to distribute, right? Shareholder distribution, or what method of distribution."

"Anyway, in this life, there are only three ways to make money. Each of you should go back and think about which way you belong to the logic of making money."

After a pause, Liu Quanbiao also gestured and said, "For example... who are you? What determines what you have?"

"And what can you do? Your deep ability determines how much money you can borrow, that is, how much money is turned around in your system."

"Then, how much ability you have to control the rules of the game determines how much money you can 'grab' the second time."

Taking a deep breath and trying to calm himself down, Liu Quanbiao suddenly smiled and said, "So after I came out of the bank, I had such a feeling."

"This life is the same as a business. Those three statements are also needed. What assets and liabilities..."

"Balance sheet, cash flow statement, and profit and loss statement." Before Liu Quanbiao could finish speaking, Gu Chen interrupted directly.

Liu Quanbiao nodded silently: "Yes, yes, this is the balance sheet, cash flow statement and profit and loss statement."

"You can draw three tables for yourself, and you will know where you should be in this society."

"Liu Quanbiao, are you drunk?" Seeing Liu Quanbiao delaying everyone here for a long time, Xiao Enjun immediately regretted it.

Regretting his enthusiasm just now, let Liu Quanbiao take the seat.

However, after taking the seat, Liu Quanbiao seemed to be fully fired, outputting the firepower he had not output in the No. 6 room again in the No. 8 room.

Liu Quanbiao, on the other hand, treats everyone as his own, and he doesn't feel too embarrassed, so he laughs at himself:

"It's backfired on doing what you're supposed to do and accepting it, we need to work on it, but maybe we try and we're still in the end."

Sighing faintly, Liu Quanbiao picked up the red wine on the table, filled the goblet in front of him again, then took a few sips, and said, "But... it doesn't mean we shouldn't work hard."

"Because if you don't work hard, it must be nothing."

At the end of the speech, Liu Quanbiao waved his right hand, as if he was finishing his speech gracefully.

Everyone looked at each other, and could only pretend to cooperate and applaud in agreement.

After all, Liu Quanbiao, who has been drooling so much, actually makes sense when he says these things.

But everyone is not from the financial circle after all, so I feel that what Liu Quanbiao said is just some useful nonsense.

You can listen to it, but you forget it when you sleep.

But Liu Quanbiao seemed to be emotional. After making a generous statement just now, his nose suddenly became sour, and he looked at the people who spoke earnestly and said:

"Everyone of us here will leave this world one day. We have to prepare for our death, and we have to think about why we live in this world."

"That's right, why do we live in this world? We can't decide on our own. Parents have the right to decide." He Junchao also teased in a low voice.

But after being hammered by Lu Weiwei, he stopped making a sound.

But Liu Quanbiao got carried away, completely silent in his own world, and talked eloquently:
"What is the purpose of our living in this world? Is there a belief that makes us live and die for it?"

When the voice fell, it might be because he drank a lot of wine before, and he drank a lot here again. Liu Quanbiao, who was already a little drunk, suddenly... his body slowly lay on the dining table. "

"Not long after, a thunderous snoring sounded at this moment."

"Damn it." Xiao Enjun slapped his forehead, and said remorsefully, "If I had known earlier, I would just have to say hello to him. Why would I ask him to sit here?"

"This drinker, snorers, sleeps too late, bad, sloppy."

"Then sir, do you need me to call the guest in private room 6 for you? After all, they are together." The waitress who stood at the door eavesdropping for a long time also asked proactively.

Xiao Enjun rubbed his face with his hands, waved his hands and said: "Then please, go to private room No. 6 for me, call his friend over, and take him away."

"Okay, please wait." The waitress nodded slightly, and gently closed the door of the private room.

Not long after, when the door of the private room was pushed open again, the waitress had already brought two middle-aged men.

And these two middle-aged men are also muscular, with various tattoo designs on their arms, and the big gold chains around their necks are also particularly eye-catching.

Although I don't know if it can float in the water, but the gold chain, coupled with the five big and three thick physiques, and the somewhat domineering tattoos, no matter how you look at it, you are a social person.

A short, middle-aged man clasped his fists when he saw everyone, and said politely, "I'm sorry, everyone, just now we were drinking together in private room No. 6, and this Liu Quanbiao said that it's too bad, and he has to go to the bathroom."

"But this time, people don't know where to go. I didn't expect to come here to drink. I'm really embarrassed."

"It's okay, I know Liu Quanbiao, so I asked him to come and sit down." Xiao Enjun also sat upright, and said politely:

"It's just that I'm here to entertain guests, so it's inconvenient to take care of Liu Quanbiao. Since you came here together, I'll trouble you..."

"Understood." Before Xiao Enjun finished speaking, another tall middle-aged man directly interjected: "Leave Liu Quanbiao to us, you can rest assured to eat your food."

After finishing the words, the tall middle-aged man directly pulled up the drunk Liu Quanbiao, put Liu Quanbiao's left hand on his shoulder, and then lifted it up.

Liu Quanbiao was immediately taken up.

Afterwards, the short middle-aged man also came to Liu Quanbiao's other place, and the two set up Liu Quanbiao from the left and right sides, and walked directly to the door.

While leaving, the short man nodded slightly to the room to express his apology, and then disappeared into the aisle.

Seeing this, the waitress immediately closed the door of the private room gently again.

"Hey! It's finally quiet." Lu Weiwei felt relieved, feeling that she could finally eat quietly.

At least until now, my stomach is still growling, which means that dinner has not officially started yet.

And that Liu Quanbiao seemed to be just a small episode of this dinner.

……

　Ask for votes, with a sincere face. ╰(‵ ′)╯

　　
　
(End of this chapter)