As a qualified businessman, Roger's words naturally aroused Cao Zonghan's interest because he saw a very broad business opportunity from it: "Oh? Brother Luo, since those Americans can't afford cars, how did they buy it? Could it be renting? I'm willing to hear about it."

"It's very simple. They pay in installments! If a car is 1,000 yuan, they can pay 200 yuan first, and the remaining year or month is given until the gift is finished. Of course, merchants are unwilling to suffer losses in this kind of thing, so the money they pay in the future will be added to interest. To put it simply, it is to spend the money in the future to buy things now."

"Spend money to buy things for the present? This is a good idea." Cao Zonghan touched his beard thoughtfully, "If I do this in my own shop, wouldn't I be able to do a lot of business in a very short time?"

"Haha, this may not work in our China. Not to mention whether the people can accept it, it is just that the current world is in danger. Today, maybe the life experience is prominent, but tomorrow you may not be worth a fortune. This installment payment business cannot be done."

"That's true..."

Cao Zonghan thought about it carefully and found that as Roger said, if installments are truly implemented, then the most basic point is that you must ensure that the person who pays for installments can have a stable income to ensure that the monthly payment is paid on time.

However, during this unpredictable period of the Republic of China, even the landlords and rich people could become paupers overnight, let alone those who were promoted to the public? Guangdong was rich in bandits, and with the warlords fighting, maybe when will the person who bought things be destroyed? Then you ask who wants money?

So in China now, installment payments are really not possible.

Thinking of this, Cao Zonghan couldn't help but sigh and gave up this wonderful idea.

As if he saw Cao Zonghan's depression, Roger smiled and said, "What's wrong? Are you depressed that you can't do this future business for consumption? Don't, everything has to be viewed from both positive and negative aspects.

Let’s talk about the United States. Don’t look at the fact that Americans nowadays are all decorated with their own houses like rich people. In fact, they have used up their future! The US government and businessmen have praised the benefits of installment payments all day long, but they don’t mention the potential danger. They only say that they want to enjoy the present and don’t care about what will happen tomorrow. The workers think that installment payments are good, so they can enjoy cars, houses, washing machines, refrigerators and other good things in advance, so they pay in installments, washing machines, refrigerators and even clothes, shoes, hats, coffins, and engagement rings in installments!

They bought a car and used it until it was scrapped. The money they paid in installments has not been paid back! It is really crazy.

Americans are buying things so crazy, but are they really that rich? Of course not! They can’t pay so much debt even if they pay in installments alone. The cost of installments has long exceeded their income, and they rely on stocks!

When people make crazy payments to buy things in installments, factories will naturally produce large amounts of materials to sell in the short term. The prosperity of factories will inevitably lead to stocks rising. When stocks rise, people who buy stocks will naturally make money. After they make money, they will have money to buy things again. This is a cycle in which buying things stimulates factory production, factory production stimulates stocks rising, and stocks rise lets people make money and buy things, a bubble that is constantly blown up.

When the stock market is stable and profitable, all Americans buy stocks. The influx of a large amount of funds has boosted the US stock market and also gave those financial giants the opportunity to keep raising the stock price to make profits. So everyone went crazy. They invested all their deposits and every cent of cash into the stock market to make money. Everyone did this. When the more money they invested in the stock market, everyone would make money. This was another crazy cycle.

And the prosperity built on installment payment is like a tall building built on the sand, just an illusory bubble that will burst with just a slight piercing. Mr. Cao, look at it. If they continue to pay in installments so crazy, they will soon have to use every penny they earn to pay off their debts! They will not only lose the present, but also the future!

Even if there are so many virtual assets in the stock market, everyone's real purchasing power is limited. When these real purchasing power are exhausted, when people all have cars but are unwilling to buy cars, and all have radios but are unwilling to buy radios, when there is something unexpected happening in the stock market?

If Americans' purchases are reduced, and they are largely reduced or even not buying things, who will the things produced by those factories be sold to? What should I do if I can't sell them? The factory can only lay off employees, reduce production, etc. Once these happen, its stocks will inevitably fall. If the stocks fall, then those who buy stocks will have no money to make money? Losing the income of the stocks and taking all their wages to pay installments. I don't know what to do with people's lives, but they will definitely not be able to afford anything anymore. Since people can't afford anything anymore, they can't afford anything anymore.

If the factory loses the market, the factory will have to close down, the factory will have to close down, the factory will have to close down, the workers will have to lose their jobs, and the workers will have to lose money when they are unemployed. If they lose money, they will either die and go to prison or sell their property to pay the debts in installments. However, since no one bought these things at that time, they will definitely not be able to sell the price. So, when they sold all their houses and cars, they still couldn't pay the debts, and even had to continue to pay monthly payments for these houses and cars that no longer belong to them.

There is no income, but still has to pay monthly payments every month, so those Americans who pay installments are finished. They try to enjoy the present by betraying the future, and then they will have no future in the end."

"Since Mr. Luo's opinion, there may be an economic crisis in the United States?"

"It's not possible, but inevitable, this is the necessity of capitalism." Roger replied subconsciously, but found that the person who spoke was not Cao Zonghan.

"I didn't expect that Mr. Luo was not just a successful industrialist, but also a Marxist. This is really rare! Zhou admired Mr. Luo's talent. I wonder if he has time to come to the humble house to drink a cup of tea tomorrow? Let's talk about it by the way?"

At some point, Director Zhou of the Political Department of the Whampoa Military Academy was already standing beside Roger and was looking at him with a smile on his face.

;
Chapter completed!