Rebirth of the Evil Life

Boeing President Philip Conti continued to release satellites there, gritted his teeth, and must surpass "Airbus", let Abu Dhabi surpass Dubai, and give Lin Feng a good look. The Chief Khalifa II also cooperated extremely well and announced that he would invest 70 billion U.S. dollars to jointly build a "Boeing Theme Park" with Boeing. At the same time, he plans to invest 100 billion U.S. dollars to create space tourism services in the next five to ten years. , And will introduce more high-tech companies into Abu Dhabi, making Abu Dhabi the most advanced city in Arabia.

Of course, it is not enough to just promote the capital of science and technology. Conti directly used his contacts on Wall Street to make a series of Wall Street financial investment companies question the deal between ‘Airbus’ and Emirates Airlines.

The front page headline in this column quoted Alex, an analyst who graduated from Cornell University's Department of Economics and has been doing securities trading and capital operations on Wall Street for 20 years, on this matter. The deal between Airbus and Emirates seems to be a win-win situation for all parties. Airbus, Emirates, Lam Fung, and Dubai are all winners. However, careful analysis reveals that there is a huge loophole in this seemingly perfect transaction, which is the capital operation of Lin Feng's ‘Second Bank’. Can the ‘Second Bank’ carry such a huge capital operation?

After quoting Alex's doubts on the capital operation ability of the "Second Bank", the economic operation status of the "Second Bank" was published later.

‘Second Bank’, formerly Standard Chartered Bank. Acquired by Lin Feng. Currently based on market statistics. Lin Feng holds 48.87% of shares. The current market value of the'Second Bank' is approximately US$42 billion. Its deposit balance is about 220 billion U.S. dollars! According to the regulatory red line of the international bank loan-to-deposit ratio, once the bank's loan-to-deposit ratio exceeds 75%, the bank will be in a dangerous situation. Once any sudden situation occurs, for example, the investment loan cannot be recovered due to poor operation of a company and bankruptcy. There may be a run, and once a run occurs, deposit customers withdraw cash in large quantities. Then the bank will go bankrupt.

Currently, the ‘Second Bank’’s investment in the real estate sector and the corporate sector is about 75 billion U.S. dollars. The ‘Second Bank’ and the ‘Second World’ cooperate. All ‘Second World’ members can use the ‘Second Bank’ to make loans to purchase any product under the ‘Second World’. According to this assessment, its annual loan capital is about 35 billion U.S. dollars.

Loans in these two areas were the main lending directions of the ‘Second Bank’. It adds up to almost 110 billion U.S. dollars, which is exactly half of its deposit balance of 220 billion U.S. dollars. Its loan-to-deposit ratio is extremely reasonable, and its capital turnover is also in excellent condition.

But if you add the 95 billion U.S. dollars in loans of ‘Airbus’, it will be a total of 205 billion U.S. dollars in funds, while the ‘Second Bank’ has a total of only 220 billion U.S. dollars in deposits. Its loan-to-deposit ratio is as high as 93.18%, which is already a high-risk risk. Once there is a problem in one of the links. There will be a direct domino effect, and the'Second Bank' will not be able to honor the withdrawal requirements of deposit customers.

The ‘Second Bank’ is in danger! This is the final summary, and we call on customers who deposit in the ‘Second Bank’ to withdraw their funds as much as possible to avoid eventually causing their deposits to be unable to withdraw.

This summary is undoubtedly very insidious. If at this time, all deposit users go to withdraw money, then a run will surely be formed. It is simply impossible for the ‘Second Bank’ to put out so much funds to provide customers with cash withdrawals. Once a run is found, the bank's stock price will suffer a severe setback. The withdrawal of ordinary customers will inevitably bring about a crisis of trust among large corporate customers. Once the funds of large enterprise customers are withdrawn, the "second bank" will inevitably go to the loan customers to ask for funds. Once the request is made, it will cause those loan customers to be unable to repay the funds, leading to difficulties in their operations. If this series of vicious cycles continues, the bankruptcy of the'Second Bank' is inevitable.

The most direct consequence of the bankruptcy of the'Second Bank' is the collapse of the credit system of the'Second World'. Today's "Second World" credit system is based on the guarantee of the "Second Bank". Once the ‘Second Bank’ goes bankrupt and the trust mechanism of the ‘Second World’ ceases, then Lin Feng’s largest money printing machine will cease. Then Lin Feng's ‘Second Consortium’ will also have a crisis.

But to our surprise, the expected run did not appear. Originally, people were sent to Hong Kong headquarters and branches in several major cities in China to squat, ready to shoot and then make headlines. The title is written, the second bank has a run, Fengshen supernatural power is not there.

As a result, he squatted down that day, and the gate of the'Second Bank' was in order. Although there was an endless stream of people coming and going, the expected run on it did not appear. Although some people have come to withdraw cash, the amount of cash withdrawal is not large. There are many hundreds, thousands, and tens of thousands of which are rare.

Squatting like this for a day, but letting depressed. Of course, the most depressed is naturally Kang Di. He was going to draw a salary from the bottom of the tank, giving Lin Feng a cruel heart. As a result, who could have expected that this trick of drawing a salary from the bottom of the tank had no effect.

He doesn't understand. This is a very serious matter for any depositor. It is related to their funds. How can no one think of risks and withdraw cash? This is not normal!

The next day we continued to guard, but the result remained the same for the second day. The gate of the'Second Bank' was in order, and there was no run at all. And this was the same on the third day. Now I can't help it.

It's been three days. It stands to reason that such an astonishing loan-to-deposit ratio is enough to worry any deposit customer. This does not mean that big customers come to withdraw money, at least this small customer, ordinary citizens should come to withdraw money. This is the most normal situation. Because ordinary customers have the worst endurance. As a result, there were none at all.

So, on the fourth day, the reporter stopped a customer who came to withdraw money at the gate of the'Second Bank'.

"Hello, sir, do you know that the loan-to-deposit ratio of the'Second Bank' reaches 93.18%?" The reporter stopped a middle-aged customer and asked.

"Loan-to-deposit ratio? What is the loan-to-deposit ratio?" The middle-aged man was obviously taken aback.

auzw.com The reporter was overjoyed. It seems that these people don't like to read this kind of news, so that's good. As soon as they said, the man would be scared. He withdraws the money, and then he will call friends and friends, this will pass ten, ten pass a hundred, a hundred pass a thousand, this will naturally form a run.

"Sir, the loan-to-deposit ratio refers to the ratio of bank deposits to loans. The higher the ratio, the greater the risk of bank funds. The international risk index is 75%, and more than 75% means that banks may not be able to withdraw cash. Possibly. Now the'Second Bank' is as high as 93.18%, which is already a high-risk stage. You see, the bank is calm now, and it may be closed tomorrow!" The reporter was alarmist, with a smirk on his face, ready to wait and see. After exclaiming, the middle-aged man went to cash it out frantically, and then called his relatives and friends.

As a result, the middle-aged man froze for a while, and went in to withdraw money if nothing had happened. At this time, the reporter was completely puzzled. what on earth is it? Is he not excited for Mao? Don't you panic for Mao?

"Sir, this gentleman, aren't you afraid that your funds are missing?" The reporter hurriedly followed up and asked.

The middle-aged man was obviously a little unhappy.

"Is the loan-to-deposit ratio high? It's my shit!" After finishing speaking, the middle-aged man shook off the reporter, and watched the reporter catch up. He suddenly pointed at the reporter and shouted, "If you want to come closer, I will Screaming for robbery!"

depressed! The reporter had to go back. There was a curse in his heart, what happened to this guy, he didn't understand if the loan-to-deposit ratio was so high, something would happen. If this happens to be a little accidental, then the funds deposited in the bank will be ruined.

Damn, I will lose you sooner or later! The reporter retired angrily, looking for the subject carefully. Not long after, I saw a young man with glasses coming over. This middle-aged person may not know much about finance, so it doesn't matter. But this young man should be very cautious. And now that the Internet is very popular, that should be no problem.

Immediately, the reporter stopped the young man who was about to enter the bank to withdraw money.

"This gentleman, do you know that the loan-to-deposit ratio of the'Second Bank' is as high as 93.18%?" the reporter asked.

The young man nodded.

The reporter was overjoyed.

"Then are you going to withdraw all the money?" the reporter asked again.

"Why take all the money out? It's safer to put the money in the bank." The young man shrugged.

The reporter was puzzled for a while. What's going on, don't you worry about losing money?

"The money is gone?" The young man was obviously surprised, then waved to the reporter, walked out the door, pointed to the sign above and said, "Look at what this is?"

"Second Bank!" the reporter said.

"Then do you know who opened the Second Bank?" the young man asked again.

"Lin Feng!" The reporter replied instinctively.

"Isn't this over? This is Lin Feng's bank. Lin Feng is so rich, even if the bank has a loan-to-deposit ratio of 200%, do we need to worry? This is Fengshen's bank. Will he not give us money? I actually asked such a simple question, Xiudou!" After speaking, the young man went in and fetched money.

The reporter was dumbfounded!