Banned for ten years, I will test the editor, and I will kill the entertainment circle first when I

Miss Chen confessed.

Or rather.

She couldn’t bear this scene at all, and directly explained all her problems.

After all, she herself actually knows it.

These problems of their own are not a big deal, at best, they are violations of moral problems, as for the things that have not paid taxes, how much is the fine, they just admit that they are unlucky.

I was not the only one in the circle who did this, but I was unlucky and discovered.

Soon.

Shen Fei got the news.

“Deal with it as you want.”

After reading the file, Shen Fei said to Li Wei: “The specific situation, inform the General Bureau, as for tax issues, let the tax department on Shenghai’s side deal with it, we don’t care too much.” ”

This is a fact.

The Steering Group is only an investigation team and has no trial-judgment powers.

How to deal with this first-line Hua Dan is a matter for the Cultural Administration and the tax department.

It’s like writing a novel, some writers have the ability to write a lot of things, but if you encounter the same review as a brain dead, you can’t write it all, you can only be honest.

The most terrifying thing about power, after there is no limit, is that some villains can decide many things.

“Okay, so shall we continue to investigate?”

Li Wei asked.

“Look at the reports in the mailbox, if there is a suitable one.”

Shen Fei said to Li Wei.

Li Wei nodded.

This is the case with the current situation of the supervision group, their work direction is mainly aimed at the Internet culture and entertainment industry, but they must also take into account the reaction from above.

It’s at this time.

Shen Fei’s phone rang.

Glancing at the caller ID, he was a little strange, it turned out to be an unknown number.

But Shen Fei still picked up.

“Hello, who?”

Shen Fei asked politely.

“It’s me, little one.”

On the other side of the phone, a familiar voice came.

Groove!

！！！！

！！！！

Shen Fei was stunned all of a sudden.

It turned out to be the Great Elder who called himself.

He quickly said respectfully: “Hello, chief. ”

“Well, the next step of the supervision group can focus on Internet companies, I see that several Internet companies are going public recently, you should pay more attention to it and do a good job of counseling the cabinet.”

The voice of the Great Elder came, and after speaking, he hung up the phone.

Shen Fei held the mobile phone and frowned.

He is well aware.

It was impossible for the Great Elder to call himself this for no reason.

Obviously.

This is to pay attention to those Internet companies that are about to go public.

Thinking of this, Shen called Wei in.

“Check it, there are those Internet companies going public recently.”

Shen Fei said directly.

“Well, no need to check, the tanuki’s ant gold suit and Didi taxi.”

Li Weiyi said with a smile: “Now this matter is being discussed on the Internet, especially Ant Financial, and everyone speculates that the valuation of this company is higher than that of Penguin and Fox now.” ”

“Bring me the information.”

Shen Fei’s brows frowned and said directly.

Although Li Wei is a little inexplicable.

But soon I found the information of Ant Financial.

As a result, I didn’t know if I didn’t look at it, and I was startled when I saw Shen Fei.

The full name of Ant Financial Services is Ant Financial Services Company, and its business involves capital deposits, credit, consumption, payment, especially credit consumption services.

It is no exaggeration to say that Ant Financial covers almost every field in which state-owned banks operate.

It can be understood that it is a company similar to an integrated service bank, and the most important point: it is a private company!

There are two words in the name of the ant, but don’t be mistaken, it is really such a weak creature as an ant.

Although the ants are small, the number is amazing, and with such a large number of ants, it is possible to bite off a few pieces of meat from an elephant.

Based on Ma Papa’s popularity and appeal, after the listing of Ant Financial, it will bring a face-to-face impact effect on the existing state-owned banking business.

But that’s not the scariest.

The real key is that the company’s background is not simple.

Because behind this company, there is Ma Xiaoyun’s support.

Yes, it was Ma Xiaoyun, who created the Tanuki Group, and Alipay was also created by him.

To put it simply, Alipay is now just a product or a branch of Ant Group.

And Ah Baba and Ant Group no longer have any relationship in equity, although there is still a business relationship.

This feeling is that although they are divorced and the law does not recognize the relationship between husband and wife, the wife and husband still live under the same roof.

Historically, the predecessor of Ant Group was Ant Financial, and the predecessor of Ant Financial was Alipay, and Alipay belonged to Ah Tanuki Baba.

And the reason why there is such a situation is naturally because of the word benefit.

In June 2011, Ah Tanu Baba Group transferred the ownership of Alipay to another domestic company in Daxia controlled by Ma Xiaoyun. The reason is that the central bank’s payment management measures for non-financial institutions stipulate that if you want to obtain a payment license, the company’s absolute foreign capital has certain requirements.

At that time, Alipay’s actual 70% stake was already controlled by Yahoo and Dongying SoftBank.

Based on this background environment, Ant Financial was born.

And Alipay successfully obtained the license and began the wild and barbaric expansion all the way after that.

So much so that before WeChat Pay came out, Ma Xiaoyun really had no opponent in the electronic mobile payment business.

Now.

Ant Group controls Alipay, the largest electronic payment platform in Daxia.

The fintech giant owns a range of financial systems, including the largest online insurance service in Daxia.

AntGroup’s lending, investment and insurance products are targeted primarily at individuals and micro and micro enterprises.

“We think that if we can give ordinary people access to the same financial services as bank executives, and help mom-and-pop shops get the same financial support and help them grow as quickly as big companies, then we will be a company of the future.”

This is the slogan of Ant Financial, and it sounds very good.

But no one knows.

The profit margin of this company is two hundred percent!

That’s right!

In Shen Fei’s view, this lever feels a bit conservative to pry the earth, and it is not too much to pry the sun.

According to the information given to him by Li Wei, the revenue growth rate of the Ant Group has been as high as 30% in recent years, and in the first few months of this year alone, it can net 200 million yuan per day.

According to the prospectus, the salary of employees in the first half of the year was 5.5 billion yuan, and the number of employees was more than 16,000, that is, the average monthly salary of Ant’s employees was 60,000 yuan.

Let’s be honest.

Shen Fei was very envious of them.

“Look at the end, this is a passage that Ma Xiaoyun said in an interview.”

Li Wei pointed to the end of the document and said to Shen Fei.

Shen Fei nodded and looked at it carefully.

“In fact, what is the use of money, it is not yours, it is your wealth like ours, it is just that society entrusts us to manage this wealth better.” If you think the money is yours, bad luck begins. ”

“I understand, I also thought about this, don’t talk nonsense, tell me how to make money, we all come over like this.” (Read violent novels, just go to Feilu Fiction Network!) ）

“Believe it or not, I started a business, and since I started my business with a fox, I haven’t received a monthly salary.”

“Of course, the salary is sent to our wife’s account, I have never touched money, I have no interest in money.”

“Because my happiest time was when I was a teacher for ninety-one dollars a month, and I saved money every month, and I knew I could buy a bike for a few more months.”

“Now I don’t have that need, and I don’t need to worry, why should I worry about money.” Maybe money is a resource for me, take this money, the more money you have to do, the more you have to do. ”

“Some people say that the richest man in Daxia, this rich is responsible to pay. After going through, I realized that if you don’t have the right thinking, the right method, not being with the best people, and not making a sustained effort, you can’t succeed. ”

Looking at the content of this interview, Shen Fei sneered.

“Team leader, what’s wrong?”

Li Wei asked Shen Fei a little strangely.

He felt that Shen Fei’s smile was a little weird.

“Ma Xiaoyun, what a big fool!”

Shen Fei said coldly.

“Huh?”

Li Wei was stunned suddenly.

He looked at Shen Fei with a lack of understanding, and asked cautiously: “Team Leader Shen, what do you mean, this Ma Xiaoyun is fooling people?” ”

Shen Fei nodded and looked at Li Wei: “Do you know about the subprime mortgage crisis?” ”

Li Wei was stunned, and quickly nodded: “You know, in the 08th year, the financial crisis in the United States was not caused by the subprime mortgage crisis.” ”

He still knows this.

Shen Fei nodded, and said slowly: “There is also a financial term related to the subprime mortgage crisis, subprime mortgage. ”

？？？？

？？？？

Li Wei looked dazed.

Shen Fei sighed and introduced him.

What is a subprime mortgage?

It is that financial institutions lend money to some people who are unable to repay.

The supply and demand relationship we often say is actually practical in the financial market, and when banks refuse to lend to some people with low repayment ability and poor credit in order to avoid risks, these people have become the darlings of the capital market.

Of course, capitalists are naturally not engaged in charity, they have their own financial routines, this is asset securitization, what is asset securitization?

To give a simple example, let’s say you want to buy a house, and the bank thinks you have bad credit, or is not paying back, so it doesn’t give you a loan, and of course you are very disappointed.

At this time, you heard that there is a financial company that can take out a loan without any mortgage or personal credit guarantee, and at this time you find a financial company with this kind of loan business, and the company borrows you a down payment of 100,000 yuan, and at this time this company has a claim of 100,000 yuan on you.

Under normal logic, this financial company waits for you to pay back the money and charge you a little interest until the whole transaction is completed, but for greedy capitalists, such a wait is too long, too risky, what if you don’t pay back?

Moreover, such an old-fashioned model is not in line with the investment laws of the capital market, so they use a new term “asset securitization”, under the operation of capital, this company can package the 100,000 yuan of debt you enjoy into a high-yield wealth management product and sell it to the society again.

Through such an operation, the financial company can immediately return the 100,000 yuan in cash, and then lend it out again, and operate in a cycle, using 100,000 yuan to leverage the same amount of funds dozens or hundreds of times, and keep lending to make money, and Ant Finance is this type.

The real US subprime mortgage crisis, the leverage is as high as twenty to thirty times, but the leverage of the ant reaches a hundred times, taking 100,000 yuan as an example, 30 times leverage 3 million, 100 times leverage is 10 million, that is to say, this company leveraged a 3 million or 1,000 market with 100,000 yuan leverage.

Assuming that the price-to-earnings ratio of this wealth management product is 5%, then the company’s profit is 150,000 under 30 times leverage, 500,000 under 100 times leverage, compared to 300% windfall profit under 30 times leverage, and 500% windfall profit under 100 times leverage.

But

His actual assets are only 100,000 yuan, and if the company loses 5% under 30 times or 100 times leverage, then he uses his own assets as collateral, owes 50,000 yuan under 30 times leverage, and owes 400,000 yuan under 100 times leverage.

The ant itself has three billion assets, but the loan scale reaches 300 billion, for the financial market, how much risk is not said.

And if there are 100,000 people in the society who buy these financial products, these 100,000 people may be implicated.

And this is also one of the causes of the subprime mortgage crisis in the United States in 08.

Some financial institutions in the United States lend money to some people who cannot repay, and then package these loan claims into financial products and sell them to the world.

After returning cash through the sale of wealth management products, the loan is lent again, packaged and sold again, and the cycle continues.

When these borrowers can’t pay back, these people who buy financial products behind them are all unlucky.

At the same time, the financial institutions that lend money have formed a lot of bad debts and are seriously short of cash flow.

By the time everyone ran on the bankruptcy, these financial institutions went bankrupt.

On April 2, 07, New Century Financial, a second-class mortgage company in the United States, announced that it had filed for bankruptcy protection and laid off 50% of its employees.

A few months later, the US Housing Mortgage Investment Company formally applied to the court for bankruptcy protection, becoming the second large mortgage lender in the United States to file for bankruptcy after New Century Financial Corporation.

This detonated the entire US financial system.

Of course, the risks brought by the subprime mortgage crisis not only affect the United States, but also affect the international financial market, and the harm of the subprime mortgage crisis is self-evident.

In Shen Fei’s view, if Ant Financial goes public, the risk is no less than the subprime mortgage crisis!

To know.

As a capitalist, Ma Xiaoyun, who leverages leverage, hardly bears any harm from the subprime mortgage crisis, but those ordinary people cannot resist such risks, and they are basically pond fish.

“This, how is this possible?”

After Li Wei listened to Shen Fei’s words, the whole person was dumbfounded.

He never expected such a thing.

But Shen Fei was right.

According to the information released by the Ant Group, their principal is indeed not much.

It’s just billions.

If there really is a thunderstorm problem, will those ordinary people who have purchased financial management not want to go bankrupt?

“Don’t believe Ma Xiaoyun’s so-called pawnshop mentality that attacks banks.”

Shen Fei said coldly: “From the perspective of capital security in the entire banking system, banks should of course be pawnshop thinking, that is, how much collateral you provide me, how much capital loan I provide you.” If the bank does not need collateral, all changed to credit lending thinking, who will pay for the bad debts generated by the banking system at that time, and most people’s money, a lot of them are stored in the bank, if the bank has systematic bad debts, who is unlucky? ”

！！！！

！！！！

Shen Fei’s words, like a daigo empowerment, suddenly made Li Wei slow down.

He finally understood what Shen Fei meant.

“You mean we’re going to investigate Ant Financial?”

Li Wei looked at Shen Fei and said.

“Hmm.”

Shen Fei nodded: “We have to find out what kind of medicine is sold in this Ma Xiaoyun and the gourd.” ”

These are the words of his heart.

Although according to Ma Xiaoyun, his Ant Financial is to help those ordinary people, those entrepreneurs.

But here’s the problem.

Is this kind of behavior of eating too much food really appropriate?

Some young people, at his instigation, desperately consume in advance, is it really suitable for the development of this society?

If one day, when the loan cannot be repaid, who will be responsible for these bad debts and bad debts?

No wonder the Great Elder let himself pay more attention to the Internet enterprises, but he didn’t expect that there was such a thing here!

It seems that the new target of the supervision group should be Ma Xiaoyun!

PS: Ask for flowers, ask for evaluation votes, ask for tips, ask for monthly passes! Continue to break out today, please support more! Please, everyone! A little cavin, dear readers, can you give some flower evaluation votes to encourage it! The quality of this chapter is average, the state is really too bad, let’s understand, can’t stop mortal! .