Reborn Tycoon Rise

Three days have passed since the last time Xu Zhi received the two Zhuang brothers. In just three days, Hang Lung Bank was robbed of 250 million Hong Kong dollars in cash by crazy depositors.

At this moment, the bank's internal cash reserves are almost empty. If it lasts one more day, once the cash dries up and depositors cannot withdraw their money, greater chaos may break out.

The last hope of the two Zhuang brothers was completely shattered. Of course, they were unwilling to sell the bank in their hands until the last step. This was the foundation of their family's strength. In the past few days, they had set their sights on overseas capital and sought help from overseas consortiums.

At this time in Hong Kong, a large amount of capital began to flee. Although some far-sighted overseas investors also intended to take advantage of the bottom to enter the Hong Kong market, they, like other large banks in Hong Kong, were worried about Hang Lung Bank's hidden liabilities and faced a run. The strength of the consortium may be no less than that of the local consortium in Xiangjiang, but after all, its reputation is not good. Even if it is announced, it may not be able to prevent the run. Once the run continues after the acquisition, the overseas consortium may have to invest a large amount of real money to solve this problem. Run crisis.

The risks involved were too great and the time was so short. In the end, seeing that the bank was on the verge of bankruptcy, Zhuang Rongkun immediately called Xu Zhi's assistant and expressed his agreement to the deal. It was better to get 100 million Hong Kong dollars than to lose the bank. , it is much stronger to also bear unlimited joint and several liability.

In fact, in the original history, the Hong Kong government took over Hang Lung Bank, which had been run out of money, used the Exchange Fund as a guarantee, and injected HK$300 million in cash, preventing a crisis that affected tens of thousands of people. In addition to the financial catastrophe, and in subsequent audits, the Hong Kong government did not find any other liabilities or losses other than the known ones. Therefore, although the two banker brothers lost Hang Lung Bank, after compensating for the losses caused by the previous internal transactions of the bank, they Without being held accountable, the two cashed out their assets in Xiangjiang and went to Wanwan to develop.

But today's bankers don't know the future. Once Hang Lung Bank has insufficient capital turnover, the bank will inevitably go bankrupt and owe tens of thousands of depositors' deposits. I don't know how many years it will take to deal with it. Although Hong Kong has a bankruptcy law for banks, they will not be able to deal with it in the future. Still need to face endless legal proceedings and overwhelming media accusations.

At a moment like this, even if there are no problems with the bank's operations, there is no room for bargaining. This was the case with Hang Seng Bank back then. In the 1960s, the Hong Kong government's deposit reserve ratio was 25%, while Hang Seng Bank controlled it at 32%. , already higher than the legal requirements, but still unable to withstand the trend of runs. In the end, HSBC colluded with the Hong Kong government and obtained 51% of Hang Seng Bank shares at a low price of HK$51 million.

In the 1960s, Hang Seng Bank was already the largest Chinese-owned bank in Hong Kong. Its scale was actually not much lower than that of HSBC. The two were strong competitors in many fields. However, when a run crisis occurred, HSBC solved it without any blood. It lost its opponent and at the same time controlled Hang Seng at a very low price.

In any business field, making acquisitions while your opponents are weak is always the best way to expand quickly.

At the same time, Hang Lung Bank does not have additional hidden liabilities, which is why Xu Zhigan acquired Hang Lung Bank. The apparent losses are easy to calculate, as long as there are no hidden ones.

According to the pre-prepared means, after the simple intention contract was signed, the two parties immediately held a press conference and publicly announced that the Bank of East Asia would assume all the deposit business of Hang Lung. At the same time, it would transport the prepared cash of HK$200 million to all banks in Hong Kong. At the beginning of the decade, Hang Lung Bank branch faced depositors who had lost confidence.

Dozens of bank security personnel removed dozens of wooden boxes from the cash transport truck. Each wooden box was carried into the bank by two people. Judging from the expressions of the security guards, the box was heavy.

"Is it all money?" Everyone has some doubts in their hearts.

"Do you still want to withdraw money?" The lady at the counter looked at the man in a suit in front of her and asked again.

The man in the suit looked behind him, smiled awkwardly and said, "I won't take it anymore."

"Okay, I'll give you back the bankbook!" The lady at the counter also breathed a sigh of relief. Due to professional requirements, she must withdraw all the money in the account for customers according to their requirements, ranging from hundreds, thousands, tens of thousands to hundreds of thousands. , the cash that passed through her hands in the past few days was more than the cash she had touched in her previous life.

As a banker, she knows that no bank can withstand such a run. Once a certain point in time is reached, the bank will inevitably be declared bankrupt, and everyone will lose their jobs.

Finally, when a new consortium took over the bank, it was the Bank of East Asia owned by the richest man in Hong Kong. You know, in the ranking of banks in Hong Kong published by Hong Kong Economic Times last year: HSBC was first, Hang Seng was second, and Standard Chartered was third. The fourth was Bank of East Asia. , with the guarantee of the strength of Bank of East Asia, Hang Lung Bank will naturally not fall into bankruptcy.

And the depositors were not stupid. When they heard that Bank of East Asia had acquired Hang Lung Bank, they naturally no longer worried about the safety of their deposits. They who had been waiting outside with sad faces just now suddenly beamed with joy, and the greatest pressure in their hearts was finally gone.

However, some people are happy and some are sad.

For those who have just given up several years of interest in order to withdraw their savings, this news is nothing less than a nightmare.

From their personal point of view, Hang Lung Bank was acquired after they withdrew their money. Theoretically, the change of ownership of the bank has nothing to do with them, and it did not bring them direct economic losses.

But few people can accept this gap. A few minutes ago, they were the lucky ones. They took out their bank deposits and no longer had to worry about the bank going bankrupt. The next moment, they were a group of poor people who had lost the interest on their savings for many years.

It is still unknown what the attitude of some cashiers who had already gone home would be after hearing the news. But at this moment, there were also many people inside the bank who had just successfully withdrawn money. They immediately ran back to the counter and said, "I won't withdraw this money." , can you..."

"What can we do?" They themselves didn't know what to say. Should they ask the bank to restore its previous deposits? Will the interest that has been deducted be put back into the account?

Several other people who had almost withdrawn their deposits were looking at the poor people in front of them with complicated expressions. Had they received the news a few minutes later, they would have had the same ending.

The person at the counter naturally knew what these people were thinking. He shook his head and said: "Sir, you can only make a new deposit. We can open another account for you."

"..." A Fang also clung to the counter. When she heard the result that she already knew, her mouth was half-opened and she could hardly breathe. If she hadn't been holding on to the bank counter, she might have fallen down directly. .

Awei was holding his wife who was about to collapse. In fact, his vision almost went dark and he lost more than 10,000 yuan in interest. At this moment, he was really heartbroken. 10,000 yuan, the couple may not be able to earn even after a year of hard work. .

There were still some unwilling people who were still asking the lady at the counter subconsciously. At this moment, the people withdrawing money had basically dispersed, and the lady at the counter felt relaxed physically and mentally. In addition, she felt sorry for the people in front of her, so she patiently Explain all the questions to them.

Ah Wei, Ah Fang and a group of people around him were still in front of the counter. Although they already knew that the loss was inevitable, they still refused to leave. Most people could not accept this ending, and they did not dare to go home and tell themselves about it. family.

"Ding ding..." The bank bell rang as it was about to get off work. No matter how unwilling everyone was, they had no choice but to leave. They were all ordinary people in the market, and they had lost money first. If they lost their interest, they had no choice but to lose it. Before that, they had no choice but to leave. A few people who wanted to cause trouble were quickly subdued by bank security guards, and they didn't even have to turn them away to the police station. There were a bunch of police outside.

"Husband, what should we do?" Afang asked softly after walking out of the bank door.

Ah Wei's brows were furrowed and he said, "The money has been withdrawn, so that's all. It's getting dark soon. Let's go back. We'll go to the factory tomorrow and don't lose our jobs."

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