Accident or death always comes to you gently, lurking, waiting to strike, and when you find out, there is nothing you can do.

  For Hang Lung, they never thought that things would happen so suddenly.

  The matter of the Xie Liyuan Gold Shop actually brought them such a huge amount of damage.

   Just this afternoon, a person who lives in Yuen Long came to the branch of Hang Lung Bank in Yuen Long, wanting to exchange his gold coupon at Xie Li Yuan Gold Shop at Hang Lung Bank!

   As a result, the account of Xie Liyuan Gold Shop was already out of money at this time, and the staff at the counter of Hang Lung Bank naturally couldn't exchange the gold coupons for the other party!

   This is a matter that is beyond reproach. In fact, even if this matter gets to Zhuang Rongkun who is struggling with this matter, he will not agree to the other party's withdrawal of money.

   This is a problem between you and Xie Liyuan Gold Shop. Our Hang Lung Bank is just a middleman who earns a little price difference. Naturally, if the responsibility arises, we should find the manufacturer!

  But it was just such a thing that put Hang Lung into a situation where it would never be possible to recover.

  Consumers or the public group is actually a group that doesn't make sense at all, which is why some people or a large number of people on the Internet in later generations are always easily coerced by other people's ideas.

  You think everyone should have the ability to think independently and distinguish right from wrong, but in fact most people prefer to vote with their feet.

   It takes too much effort to use your brain!

  The current situation is a cover-up. The person in Yuen Long who did not exchange the gold coupons at Hang Lung Bank for cash, after returning home, told the people around him about this matter, and a group incident soon formed!

When the depositors of Hang Lung Bank in Yuen Long, Sheung Shui, Fanling, and Tuen Mun hear this kind of thing, they will not think that Xie Liyuan Gold Shop has no money in the exclusive account of Hang Lung Bank, but will think about it. Hang Lung Bank is also a good bank in Xiangjiang, but it can't even withdraw this little money?

   Coupled with the help of caring people, under such circumstances, the depositors of Hang Lung Bank immediately felt panic in their hearts.

   Then I started to go to Hang Lung Bank to withdraw money.

But when one person, two people, or even a dozen people go to the bank to withdraw money, it will not cause any loss to a bank, but when those who are still on the sidelines see that other people have gone to withdraw money, Then there is a new worry, that is, whether these people will withdraw all the money in the bank. If this is the case, won't they be unable to get cash?

  Once the mentality of panic is formed, it is impossible to suppress this mentality!

   As a result, hundreds of depositors began to go to Hang Lung Bank to withdraw money.

   Such a vicious circle has directly led to the overcrowding of Hang Lung Bank's branches in these places.

   "This is not the scariest thing. Now the news has spread to Kowloon and Hong Kong Island. If Hang Lung Bank can't come up with targeted policies, a run on Hang Lung Bank is inevitable!"

  Although Xu Yi was talking about a terrifying thing, in fact the smile on Xu Yi's face could not be stopped at this moment.

  As Chu Huan's most trusted person in Jiaku, and also the specific executor of Chu Huan's series of plans, Xu Yi naturally knows how much Chu Huan has to do in this month!

  Let’s talk about the first step first!

  First of all, with the help of gold coupons, the Xie Liyuan Gold Shop will be destroyed. If it goes well, the Empire Fashion Group will complete the acquisition of the Xie Liyuan Gold Shop in this incident, thereby entering the jewelry industry.

   Now that the closure of Xie Liyuan Gold Shop has been seen by discerning people, it is only a matter of time.

Secondly, using the incident of Xie Liyuan Gold Shop as an introduction, it triggered a run of small and medium-sized banks in Xiangjiang. When they couldn't bear it, Jiaku Bank would appear at this time. The acquisition of small and medium-sized banks in Xiangjiang further expanded the basic market of Jiaku Bank.

   Now, Hang Lung Bank has begun to show signs of a squeeze because of the Xie Liyuan Gold Shop.

   "Boss, can we let Shengbao increase its coverage of Hang Lung Bank?"

  Xu Yi asked Chu Huan hopefully.

Chu Huan naturally has no objection to this. After planning for such a long time, it is for this matter now. Although the current Hang Lung Bank has signs of a squeeze, but if it wants to do this, Zhuang Rongkun of Hang Lung Bank will obediently transfer Hang Lung Bank Selling the bank to Jiaku Bank is not enough!

  So this fire will burn even more vigorously!

  And "Shengbao" is the spoonful of oil poured on this fire!

  So Chu Huan's complete first step plan is to mess up the entire banking industry in Xiangjiang.

  The banking industry is the support for the development of various industries in Xiangjiang. As long as the banking industry is in chaos, all industries will follow suit, especially the real estate industry, which is very closely related to the banking industry in Xiangjiang, will become even more chaotic.

  Actually, the situation of Hang Lung is already very dangerous without the help of "Sheng Bao".

   When the day was over, countless Hang Lung Bank depositors withdrew nearly 70 million Hong Kong dollars in cash at Hang Lung Bank.

   Facing such a situation, Zhuang Rongkun and Zhuang Qingquan really panicked.

   "Contact the major branches immediately. Before going to work tomorrow, I will mobilize 200 million Hong Kong dollars in cash and distribute them to each branch. Tomorrow, any bank under Hang Lung Bank will not allow depositors to be unable to withdraw money!"

  Zhuang Rongkun was preaching to Zhuang Qingquan with a sad face.

  Although before this, they had already thought about the matter of Xie Liyuan Gold Shop, which might affect the situation of their bank, but neither Zhuang Rongkun nor Zhuang Qingquan thought that things would turn out to be as turbulent as a flood.

   But fortunately, the loan-to-deposit ratio of Hang Lung Bank is still healthy at this time, but it is only healthy. If this situation continues to develop, it will be really troublesome for Hang Lung Bank.

   "In addition, immediately contact Standard Chartered Bank, Hua Guo Bank, and ask them for help!"

   It is impossible to completely reassure depositors only by relying on the reputation of Hang Lung Bank.

This tactic is actually a common method used by the Hong Kong banking industry whenever there is a bank run. When the first bank run occurred in Hong Kong in 1965, Hang Seng Bank found the support of HSBC, which saved them from Destroyed in the case of crowding.

  The main reason for seeking help from Standard Chartered Bank and Hua Guo Bank instead of HSBC is that Standard Chartered Bank is the settlement bank of Hang Lung Bank, and the relationship between Hang Lung Bank and Hua Guo Bank has always been good.

   "Finally, contact TVB, Li's TV, and the major media newspapers in Hong Kong. We will hold a press conference early tomorrow morning to clarify our relationship with Xie Liyuan Gold Shop and explain the company's situation."

  Zhuang Rongkun's arrangement is actually very reasonable.

As I just said, the loan-to-deposit ratio of Hang Lung Bank is relatively healthy. Under such circumstances, a large amount of cash is guaranteed to be injected into each branch, which can ensure that each branch will not be unable to withdraw money in a short period of time. Case.

   At the same time increase confidence for depositors.

   With the endorsement of Standard Chartered Bank and China National Bank, this confidence is even more sufficient.

  The final statement has no direct relationship with Xie Liyuan Gold Shop, which can better reduce the panic of depositors because of Xie Liyuan Gold Shop!

In another time and space, Hang Lung Bank used these three steps to temporarily avoid the crisis of Hang Lung Bank, but unfortunately a few years later, as the major banks in Hong Kong began to explode, Hang Lung Bank finally became the first one to be taken over by the Hong Kong government. Bank of.

.

  Next day!

  Hang Lung Bank Central Headquarters, the managing director of Hang Lung Bank appeared at the press conference.

  Hang Lung Bank, as an important banking group in Hong Kong, is very likely to have a bank run incident, which reminded many old reporters at the scene of the Hong Kong Bank run event more than ten years ago.

"Please rest assured that there are indeed some business contacts between our bank and Xie Liyuan Gold Shop, but this is just a normal commercial business. As for Xie Liyuan Gold Shop's 'Thousands of Gold Accumulation Plan', it is indeed an account opened in our bank. But this is still a normal business transaction. The reason why the Yuen Long branch did not provide cash to the depositor yesterday was because Xie Liyuan Jinpu had no cash in our bank account. This does not mean that Hang Lung Bank has no cash. I really hope that everyone understands that Hang Lung Bank and Xie Liyuan Gold Shop are two completely independent companies."

  Where Zhuang Qingquan is sitting, there is no nonsense, and the opening chapter expounds the relationship between Hang Lung Bank and Xie Liyuan Gold Shop.

   This also dispelled some of the worries of the reporters at the scene and the audience guarding in front of the TV.

   But this is not enough.

Then Zhuang Qingquan said: "In addition, just last night we mobilized 200 million Hong Kong dollars in cash and distributed it to various branches before the bank opened this morning to ensure that every depositor of Hang Lung Bank can get what they want. cash.

Not only that, in order to cope with this situation, Hang Lung Bank will continue to allocate cash today. The initial plan will be to allocate 700 million Hong Kong dollars in cash, which will be distributed to the accounts of each Hang Lung Bank branch tomorrow to ensure that Hang Lung Bank Cash reserves in various branches. "

  Hearing what Zhuang Qingquan said, the reporters at the scene and the audience in front of the TV finally breathed a sigh of relief again. Judging from the situation, it seems that Hang Lung Bank really has no problem.

   But it is impossible to make everyone happy.

  For example, Xie Zhichao standing in front of the TV!

  After seeing Zhuang Qingquan's speech on TV, Xie Zhichao ruthlessly threw the teacup in his hand to the ground.

   "Damn, hate, hate!"

   Xie Zhichao has reason to be angry. Zhuang Qingquan's statement can indeed allow Hang Lung Bank to temporarily accept and relieve their run crisis.

   But at the same time, Xie Liyuan Gold Shop was completely pushed into the abyss.

  One sentence that Xie Liyuan Gold Shop has no cash in Hang Lung Bank's account is enough to make all the gold depositors of Xie Liyuan Gold Shop flock to Xie Liyuan Gold Shop frantically.

   This is equivalent to pushing Xie Liyuan Jinpu who was standing on the edge of a cliff, and behind Xie Liyuan Jinpu is an abyss!

   "Chairman, it's bad!"

   At this moment, Lin Jiamin rushed into Xie Zhichao's office and shouted in horror.

   "Chairman, the customers outside the door waiting to redeem the gold coupons have already started to attack the store. In addition, people from other stores have also called. Their situation is similar to ours or even more serious."

  Xie Zhichao's face was pale. He didn't expect these people to react so quickly.

   Sat down on the sofa.

   "Contact the people in the police station and ask them to maintain order, and call Guo Guandong from the Imperial Fashion Group to see if they still have any ideas about buying our Xie Liyuan Gold Shop!"

.

   "call"

  In the Hong Kong government office building, Peng Lizhi, who succeeded Xia Dingji as the financial secretary, was also relieved to see Zhuang Qingquan's reaction on TV.

  Different from Hong Kong’s previous financial secretary, Peng Lizhi has no experience in serving the Hong Kong government. Before succeeding Xia Dingji, Peng Lizhi was the chairman of the Swire Group.

  He has been paying attention to this matter.

  England has sent a message to the Hong Kong government. On the 22nd of this month, Thatcher will officially start a visit to China, and the purpose of this visit is for the future of Hong Kong.

  England has seriously notified the Hong Kong government. Before the two parties meet for formal negotiations, there must be no problems in Hong Kong's economy.

   As a result, at this time, the Xie Liyuan Gold Shop ran out and the Hang Lung Bank crisis broke out successively. Peng Lizhi, who was alive and well at Xie Liyuan Gold Shop, didn't care, but Hang Lung Bank couldn't go wrong.

  If there is a problem with Hang Lung Bank at this sensitive moment, it is very likely that a more visible bank run will break out, which will be very unfavorable to their negotiations.

   Now that Zhuang Qingquan has basically solved this problem, it is indeed enough for Peng Lizhi to breathe a sigh of relief!

   Otherwise, the Hong Kong government will intervene in this matter!

.

  In the Chinatown, Chu Huan and Xu Yi were also sitting in the office watching Zhuang Qingquan's statement.

  The Hong Kong government hopes that there will be no problems with Hang Lung Bank, but Chu Huan doesn't think so. Now that the fire has started, it is naturally impossible for Chu Huan to let the fire go out!

  Xu Yi glanced at Chu Huan. Although Chu Huan didn't say anything, Xu Yi already understood what Chu Huan meant.

  So Xu Yi stood up, dialed a paging number, and simply left a message of two words: Action!

.

  Central District, the scene of the press conference at the headquarters of Hang Lung Bank!

  Zhuang Qingquan looked at the reporters in the audience. From their expressions, Zhuang Qingquan could clearly feel that everyone had accepted Hang Lung Bank's explanation.

   This made Zhuang Qingquan feel relieved, thinking that this crisis should be over.

   At this moment, a reporter stood up with a recording pen and asked Zhuang Qingquan.

   "General Manager Zhuang, may I ask where did you come from for the 900 million Hong Kong dollars that you said to meet the cash withdrawals of Hang Lung Bank depositors?"

  When this question was asked, the reporters at the scene burst into laughter. Everyone was thinking, this is a newcomer sent by that newspaper, and he didn’t even know this.

  Zhuang Qingquan also smiled and said: "Of course it is the deposit of Hang Lung Bank. Is there any problem?"

  Where the reporter stood, he didn’t show embarrassment because of the laughter of other reporters and Zhuang Qingquan, but continued to preach.

"Our newspaper has definite information that you, Mr. Zhuang Rongkun, the chairman of your bank, and Diners Finance, who are both directors, have owed a total of 650 million Hong Kong dollars in loans to 39 financial institutions headed by North American Bank. This loan has exceeded The asset value of Diners Club Finance, once any situation occurs in the market, Diners Club Finance will be insolvent. What I want to ask is whether there is a certain relationship between the 900 million Hong Kong dollars of your bank and Diners Club Finance Contact?

  After all, General Manager Zhuang and Chairman Zhuang Rongkun are both directors of Diners Finance? "

  Boom! ! !

  The reporter's words instantly changed the atmosphere of the entire venue, and everyone at the scene lost the relaxation just now.

  Especially Zhuang Qingquan, who was sitting on it, panicked!

Although the current Hang Lung Bank has temporarily lifted their crisis because of Zhuang Qingquan's statement just now, it is only temporary. It is equivalent to that they were standing on the edge of a cliff before, and even half of their feet were already in the air. Now they have just stepped forward. step.

   Now what the reporter said is equivalent to kicking Hang Lung who had just stepped off the edge of the cliff back to the edge of the cliff!

  Compared to the relationship between Hang Lung Bank and Xie Liyuan Gold Shop, the financial relationship between Hang Lung Bank and Diners Club Finance is more complicated and intimate.

   What's more, Hang Lung Bank's chairman Zhuang Rongkun and general manager Zhuang Qingquan are both directors of Diners Club Finance.

   "You, you, who are you? You are talking nonsense, there is no problem with the funds of Diners Finance, and there is no such debt as you said"

  Zhuang Qingquan panicked already.

  And his flustered appearance was also seen by the audience in front of the TV through the TV screen for the first time.

  Of course, depositors who have just gained some confidence in Hang Lung Bank, it is naturally impossible to sit still at this time.

The reporter said with a smile: "Hello, General Manager Zhuang, I am a reporter from "Sheng Bao". Our newspaper office is willing to publish an apology to everyone, Hang Lung Bank, and Diners Club Finance.

  But at the same time, for the benefit of the depositors of Hang Lung Bank, please also ask General Manager Zhuang to urge Dilai Finance to produce the corresponding financial report! "

   "Victory News"?

   Is this **** stirrer again?

  The current "Shengbao" is no longer the unknown junior in the Xiangjiang newspaper industry. Through the report on the Xie Liyuan Gold Shop incident, this newspaper has also gained some fame in Xiangjiang.

   Even in the eyes of many people, the reason why Xie Liyuan Gold Shop is in this situation is actually because of this "Sheng Bao"!

Now this "Victory News" is on fire again at this press conference. When the reporters at the scene looked at Zhuang Qingquan again, it was as if a criminal who had been imprisoned for several years had just been released and saw a long-legged MM is just as hot.

  Although the problems of Hang Lung Bank will definitely bring great losses to Hong Kong's economy, it can also bring huge sales to these newspapers.

  In the face of righteousness and self-interest, these people chose self-interest without hesitation.

  So all the reporters started to ask questions like long guns and short guns.

.

   "Ha ha! Serve it right!"

  Xie Zhichao, who was furious just now because of Zhuang Qingquan's statement, looked at Zhuang Qingquan who had already started to panic on TV, and burst out laughing instantly.

  Anyway, Xie Liyuan Gold Shop must be doomed. If Hang Lung Bank can't deal with this matter now, then Hang Lung Bank will not be finished for a long time. This naturally makes Xie Zhichao happy.

   Everyone don't live, this is the most important thing!

Lin Jiamin, who stayed in the office all the time, saw the smile on Xie Zhichao's face, and couldn't help but said: "Chairman, Guo Guandong's call has been connected, and the other party is on a business trip in Japan, but I also said that I will be there." When I come back in three days, I will personally discuss with us about the acquisition of Xie Liyuan Gold Shop."

  The smile on Xie Zhichao's face disappeared a little, "He wants to bargain!"

Regardless of the situation of Hang Lung Bank, Xie Liyuan Gold Shop must be doomed. Before Xie Zhichao rejected the offer from Empire Fashion Group, now the other party must be waiting for his side to show up when the situation is worse. Easy bargain!

   "Do you want to contact other jewelry companies to see if they have any intention to acquire us?"

   Lin Jiamin said: "Can this also cause some pressure on the Imperial Fashion Group?"

  Xie Zhichao waved his hand and said: "No need, now the only one who has the strength and the idea to buy us is the Imperial Fashion Group, and the other jewelry companies will not enter this muddy water!"

   Lin Jiamin stopped talking! .

  Double joys and sorrows!

  Xie Zhichao was happy, but Peng Lizhi, who was still happy just now, couldn't be happy now. The two-level reversal of the situation even made him unable to react for a while.

  I thought that Hang Lung Bank had come out of this crisis, but I didn’t want to make a huge reversal of things with a word from the reporter of the "Sheng Bao".

   But Peng Lizhi was not an ordinary person after all to be able to sit in the position of Financial Secretary. After a short period of panic, he immediately called his secretary.

   "First, immediately contact Zhuang Rongkun of Hang Lung Bank and ask about Hang Lung Bank's situation and whether it can survive this crisis.

Second, contact the executives of HSBC and Standard Chartered Bank, and make a request to them. If there is a real problem with Hang Lung Bank's funds, I hope they can express their support for Hang Lung Bank as soon as possible. Hang Lung Bank must not be allowed to The situation caused widespread panic. "

   Speaking of this, Peng Lizhi hesitated for a moment before continuing: "Contact Jiaku Bank at the same time to see if they are willing to help Hang Lung Bank!"

  Peng Lizhi's secretary was stunned for a moment. You must know that before this, the Hong Kong government had always been non-interfering in the development of Hong Kong's financial economy. According to them, everything in the capital market must follow the laws of the capital market.

   Now that Hang Lung Bank has not really faced a crisis, the Financial Secretary wants to intervene in this matter?

  He naturally did not know the order Peng Lizhi received, but at this time Peng Lizhi did not explain to his secretary, but urged: "What are you still doing in a daze, hurry up!"

.

  Actually, in this incident, there are still many people who eat melons, but with the involvement of Dilai Finance, some people who eat melons are shocked to find that they actually ate their own melons?

  And this person is Zhong Zhengwen from Yida Group.

  The fundamental reason why Zhong Zhengwen feels that this melon has fallen on him is that their group is the most important customer of Diners Finance.

  In the past few years, because of the cooperation between Yida Group and Chen Songqing, the reputation in Xiangjiang has become more and more prosperous, which also makes Zhong Zhengwen more and more happy.

  But Carrian's development is really too fast. Even a dude like Zhong Zhengwen feels something is wrong. There is no way, who makes him the group that cooperates with Carrian the most!

  So when there was a problem in the real estate industry in Xiangjiang, and the sales and leasing of Hongmian Building were not good, Zhong Zhengwen finally smelled a little bit of danger.

  So Zhong Zhengwen began to ask his subordinates to investigate Chen Songqing seriously. From Chen Songqing's appearance in Xiangjiang to Chen Songqing's fortune, he needed to know clearly.

   As of now, the results of this investigation have not been sent to Zhong Zhengwen, but the financial problems of Dilai Lai have to make Zhong Zhengwen seriously examine his cooperation with Carrian again.

   It was also at this time that the financial manager of Yida Group came in with a stack of reports.

   Someone went to investigate Chen Songqing's situation, and naturally someone also investigated the situation of Yida Group itself.

   "Chairman, through investigation, we have borrowed a total of 1.3 billion Hong Kong dollars from banks and finance companies for the cooperation project with Carrian, which has exceeded the assets of our Yida Group!"

  The financial manager preached with a panicked expression.

  Before this, the cooperation between Yida Group and Carrian was really smooth, and the stock price of Yida Group soared, so many people ignored their own financial problems.

   Now that Zhong Zhengwen found out that Carrian was not as strong as he seemed, he began to re-examine his cooperation with Carrian.

   Now there is a problem!

   "Chairman, as long as there is a problem with Carrian, the debts our group bears may cause the company to go bankrupt. You must talk to Chen Songqing about this matter!"

The financial manager said with a serious expression: "Besides, now that the financial situation of Diners Club has been reported, no matter whether it is true or not, the other party will definitely review the loan contract with us. At this moment of public attention, we The financial situation of the company is also likely to be reported!"

  Zhong Zhengwen fell into silence. Although he had been suspicious of Chen Songqing before, he really didn't expect that he would fall into such a deep situation now!

  At this time, the specific situation about Chen Songqing is not important anymore!

  Zhong Zongwen panicked at this time. He is not a successful businessman and has no real decision-making ability. Now that a problem arises, he doesn't know what to do?

   "Zhao, Manager Zhao, what do you think we should do about this matter?"

  Zhong Zhengwen actually asked his financial manager for a solution!