Chapter 3822

Lin Feng personal guarantee!

Now, the four presidents are speechless. Lin Feng's assets are more than one trillion US dollars. If he uses personal guarantee, he basically doesn't have to consider bankruptcy. But if Lin Feng's "second bank" is allowed to lend freely in China, what will they do? Now, yu'e Bao has absorbed nearly 700 billion yuan of reserves, and it will go straight to trillions. They are trying their best to stop yu'ebao, and the only way they can think of now is to limit it. Of course, it is not just the amount of "balance treasure" that limits the transfer, but the total amount of "Alipay".

The "balance treasure" is only a derivative product of Alipay. If Alipay is finished, then the balance treasure will be finished. But if Lin Feng's "second bank" comes in, it will be over‘ Second, once banks are laying up outlets in the country, then they want to fight Alipay again. Therefore, the second bank must not be allowed to enter China.

"Mr. Kang, although Lin Feng frankly said that he would be responsible for the guarantee, the bank is related to thousands of people. The money they have earned all their lives is deposited in the bank, relying on the money to support their old age. They can't stand the loss. Although Lin Feng said frankly that he guaranteed everything, he was a commercial bank after all, and engaged in extremely radical investment activities such as venture capital. Once there is a major investment failure, it will bring immeasurable losses to all depositors. Once the loss exceeds Lin Feng's personal assets, I doubt whether Lin Feng will continue to choose guarantee. I think he may choose to let the second bank go bankrupt directly! " The four presidents are eager to make an analysis.

Bankruptcy! This is the right of all private companies under the law. Of course, this law also comes from western society. In China, there has been a popular saying since ancient times that the father owes the son. In other words, if someone owes a debt, he can't pay it back. If he dies, his wife or son will pay it back. If he can't pay it back, his son's son will pay it back. In a word, the compensation of one generation will continue until it is paid. This is China's credit system since ancient times. What we pay attention to is credit. Unless your family dies, the credit system will continue.

But in the west, this kind of credit system is undoubtedly very inhumane, which oppresses the debtor. Everyone has the right to enjoy life. Debt is not only the debtor's but also the creditor's. When you borrow money from someone, consider the possibility that they may not be able to repay the loan one day. Therefore, debt needs to be shared by both parties. Therefore, the West allows bankruptcy to exist. Both companies and individuals can file for bankruptcy.

Personal bankruptcy, that is, within the time stipulated by the law, can only enjoy the most basic welfare treatment allowed by the society. All the extra money earned must be used to repay personal debts. After the specified time, the individual will no longer bear any debt. He will be a free man and can continue to enjoy all kinds of good things that normal people can enjoy.

As for the bankruptcy of the company. All shareholders' funds in the company are frozen to repay the loan. After insolvency, the loss of shareholders is all the previous investment, but it will never affect the personal interests of shareholders. Therefore, if one day the "second bank" is insolvent and the debt to be paid exceeds Lin Feng's personal assets, will Lin Feng use his own assets to cover the debt?

In the eyes of the big four, obviously not. Lin Feng will certainly file for bankruptcy. So who will guarantee the interests of these depositors? Although they are allowed to go bankrupt. But after all, they are state-owned enterprises, which are different from Lin Feng's private enterprises. At least, the big four will not go bankrupt until the country goes bankrupt. Therefore, in some ways, the four major banks are more reliable than Lin Feng.

Of course, that's what the big four think. Now they need to convince Mr. Kang. Although it is Mr. Wen who manages these things, now it is only Mr. Wen and Mr. Xi who clearly support Lin Feng. Therefore, as long as Mr. Kang agrees with their views and has always been imperceptibly influenced by the rules, they are sure that Lin Feng's hope of "the second bank" going inland will be dashed.

"Yes, the interests of depositors outweigh everything. We must not let depositors take a little risk for this! " Mr. Kang nodded. He also recalled that if the "second bank" was allowed to come in, it would be really troublesome. The interests of the four major banks will be damaged. It's not in the interests of their department.

"Yes, it is true that the interests of depositors should not be allowed to take a little risk! Therefore, I will use my personal assets and reputation as a guarantee. To provide the best service for all domestic depositors. Of course, if you don't believe that my trillions of dollars of assets can't be guaranteed, then I can only say - "Lin Feng glanced at many of them and shrugged," that's deliberately making trouble for me! "

Drink! Mr. Wen and Mr. Xi drank in their hearts. This is indeed the God of wind. If you dare to say such a thing in this place, this boy is really the only one. This identity is poor, dare not say. Enough identity, I won't say. Only Lin Feng, who is not high or low in status and fearless, dare to say this. Isn't it? Lin Feng's assets are more than one trillion US dollars, which are used as credit collateral to undertake the bank. It's not qualified enough. It's not intended to create difficulties!

Of course, Mr. Wen also understands that this involves the issue of monopoly interests. China has been saying that it is necessary to break market barriers and liberalize the economy, but in fact, in the face of these monopoly industries, the so-called liberalization of the market is also very limited. Private enterprises simply can't compare with these monopoly industries. Even if they open the market, they can't have any impact on them. Including the banking industry, although private capital is allowed to enter, there are more than 100 domestic banks, but these banks are all under the four major banks. To a large extent, their funds come from the lending of the four major banks. Therefore, the domestic financial market is still very closed.

But if you let Lin Feng in, it's different. If you want Lin Feng to come in, it's like a tiger falling down and a wolf coming into the sheep. With Lin Feng's personal reputation and reputation, as well as his image in the eyes of Chinese people, once his bank raises funds, its speed will be very fast. For example, "yu'ebao" has swept up nearly 700 billion yuan in less than a month. If Lin Feng's "second bank" is allowed to come in, how much capital will be swept up? This is unthinkable.

1 trillion, or 5 trillion, or more, 10 trillion? It may be that people all over the country will deposit their money in Lin Feng's second bank. If so, what should the big four do? Therefore, it is impossible for them to allow this.

"Lin Feng, pay attention to your words. There's no one here to make trouble for you! All of you are here for the sake of China's economic stability and prosperity and social harmony! " Mr. Kang warned coldly.

Lin Feng laughs.

"Then why not allow my bank in? You know, I am a pure Chinese, and my bank is registered in China. Why can Ping An Bank and China CITIC Bank, but my "second bank" can't come in? It's not meant to be hard on me. What is it? It's obviously aimed at me and bothered me! " Lin Feng said with a strange smile, "or do you say that your four lines have already occupied the land and have almost endless resources, and are afraid of me alone? If so, forget it. I won't come in, so that I won't come in and beat you down. How ugly you are! It's not conducive to the theme of a harmonious society! "

Shua! The faces of the four presidents turned red. Lin Feng's words are too artful and mean. Although they know that Lin Feng is deliberately provoking them, they are still inevitably angry, and their anger is surging up from their hearts.

"Lin Feng, please pay attention to your words. It's not aimed at you or afraid of you. How could our big four banks be afraid of you, a small bank with less than 100 billion US dollars. It's just that we are worried about the safety of depositors and the entry of pure commercial banks like you, which will disrupt the whole financial market and destroy social harmony... "Although the four Presidents were enraged, they still had the upper hand and did not dare to let Lin Feng in. They also know that once Lin Feng comes in, the market will be completely opened. They can't compete with Lin Feng.

"After all, I'm afraid I'll come in. Ladies and gentlemen, just say a word and see what to do with it. Is it to let me enter the banking industry, open up the market, form fair competition, and let the whole people enjoy greater benefits? Is it better to let the people know that I have been rejected again and that the banking industry is unwilling to break the monopoly, to let the people poke my back, scold my conscience and be eaten by dogs, and only care about my own wine pool and meat forest, regardless of the people's changing sons? " Lin Feng doesn't talk too much about the four presidents. He throws out a multiple-choice question and waits for these gentlemen to decide.

The faces of the nine gentlemen changed. What's this kid talking about? Is this threatening them? What a shame! As soon as Mr. Kang's face changes, he will get angry.

"Well, we'll discuss it, vote on it and give you a final reply. You go and have a rest first. " Mr. Wen took the lead in talking to avoid making trouble. After all, Lin Feng's words are really not very pleasant to hear and harsh. What's more, if you think about it carefully, it's clearly the words used by the sun and moon god sect in praising the leader of the sect, Dongfang Bubai.

Oriental invincible is a human demon! Is this ridiculing them as human demons? So, when the other gentlemen don't respond, we'd better hold a meeting to vote! Otherwise, it's going to be a riot. Of course, this guy is so awesome.