The impact of the explosion of Hang Lung Bank and Jiahua Bank, which are established banks, on major banks is unparalleled.

In particular, the Li family of the Bank of East Asia, the Wu family of Wing Lung Bank, the Ma family, the Liao family, the Qiu family and so on of Dasheng Bank all mobilized their forces to inquire about the situation at the first time.

In this critical period, it is necessary to work hard to keep your bank running stably.

There are not a few smart people in Hong Kong, even if they are not the families and tycoons of the banking industry, they are also concerned about the affairs of Hang Lung Bank and K. Wah Bank.

At the headquarters of the Global Shipping Group, Bao Yugang and his son-in-law Wu Guangzheng were looking at the newspaper and chatting about the things that were on the cusp at this time.

Wu Guangzheng saw the inexplicable smile on his father-in-law's face, his heart moved, and he asked, "Dad, did you find anything?"

Bao Yugang smiled and didn't answer, but asked, "Do you have any thoughts after looking at the current situation?"

Wu Guangzheng fell into contemplation and said uncertainly: "If it is an accident in a single bank, it is an accident, but at the same time, the two banks exploded together, and they both embezzled funds on gold futures, I think there must be someone manipulating behind this." ”

"And public opinion came too quickly, not at all like the normal process of fermentation of public opinion. ”

"But I can't guess who did it and what the purpose was. ”

Bao Yugang smiled slightly, and said with satisfaction: "You are right, there must be someone manipulating behind this, I am sure that many people in Xiangjiang can see it." ”

"As soon as it is a thunderstorm, it will be difficult for Hang Lung Bank and K. Wah Bank to escape, unless HSBC, Standard Chartered Bank, Bank of China, Hang Seng Bank and other banks come up with large sums of money to tide over the difficulties. ”

"But the time of the thunderstorm is too short, except for the Zhuang brothers and the Liu brothers, no one knows the real situation of Hang Lung Bank and K. Wah Bank, and now they don't know who did it, so even if some people want to reach out, they are hesitant in the unknown. ”

"But things have been exposed, and as time goes by, it will always become clear, and when the time comes, if they see an opportunity, there will always be people who can't help but do it. ”

"The key is whether the two banks will have the value of being attacked by the time, and whether they are worth offending the people who do it now. ”

Wu Guangzheng nodded suddenly, he saw the knowing smile on his father-in-law's face, and couldn't help asking, "Dad, do you know who did it?"

Bao Yugang's eyes were distracted, he smiled faintly, a figure appeared in his mind, but he said: "I'm not sure yet, it's just a guess, let's see, if it's him, I believe the result will come out soon." ”

Wu Guangzheng was stunned, and when he saw that his father-in-law didn't say anything, he didn't ask any more.

Although Bao Yugang said this, he was basically sure that Xia Yu did it.

It's really that Hang Lung Bank and K. Wah Bank are unlucky in gold futures, and the words "gold futures" are too eye-catching, so that Bao Yugang immediately appeared in his mind Xia Yu's figure.

Now his $220 million is still with Xia Yu, and he is speculating in gold futures.

If there is anyone else in Xiangjiang who has such a keen business sense, and has such a large capital, and has this need to calculate the two major banks, in his opinion, it must be Xia Yu.

Looking at the current trend of public opinion, it is indeed like Xia Yu's handwriting, few people can do it except him, and of course it does not rule out the possibility of others.

But Bao Yugang is very familiar with Xia Yu's New Year's friend, and he believes that Xia Yu did the eighth layer of this matter.

Now the Zhuang brothers and the Liu brothers have not yet found him to borrow money, but Bao Yugang has already decided in his heart that even if the two pairs of brothers come, he will not borrow a penny, so as not to spoil Xia Yu's plan.

......

On this day, the Zhuang brothers and the Liu brothers ran into walls everywhere, no one dared to lend them money, and no one was willing to lend them money.

Besides, at this critical time, with such a large amount of money involved, even if a big bank wants to lend money to Hang Lung Bank and K. Wah Bank, it must find out the situation of the two major banks before they can decide how much to borrow. And to find out the situation, even if the Zhuang brothers and the Liu brothers open the bank accounts for people to check, it will take a lot of time.

"Ah Kun, how's it going?"

Seeing Zhuang Rongkun coming back from outside with a gloomy face, Zhuang Qingquan hurriedly asked.

If they can't borrow money, the two of them will have the purpose of recovering the loan, even if they pay liquidated damages and lose interest, they must first recover the money to deal with the current matter.

The object that Zhuang Rongkun is looking for is Jiuding Real Estate Group, which took out a loan of 500 million Hong Kong dollars a few months ago.

It was precisely because of the original intention to lend money to Jiuding Real Estate Group that Zhuang Rongkun would go to other banks to borrow, and also drained the liquidity of Hang Lung Bank, and waited until a large number of customers bought gold futures before temporarily misappropriating these funds.

But the past has passed, and it was he who decided to lend at the beginning, and he can't blame Jiuding Real Estate Group.

However, now in the crisis, Zhuang Rongkun thought of recovering the 500 million Hong Kong dollars he had lent to Jiuding Real Estate Group.

As for recovering loans from other companies, it is more difficult, one is that the amount of funds is not enough, and the second is too time-consuming.

But now seeing Zhuang Rongkun's expression, he seems to have returned empty-handed.

Zhuang Rongkun sat down, poured himself a cup of tea, poured it down, and slammed the cup on the table.

"Liu Shihao refuses to repay the loan now, the loan we gave has not depreciated, Jiuding Real Estate Group has not violated the contract, and we have no right to forcibly recover the loan. ”

"I said so much that I even asked him to return 480 million Hong Kong dollars, but he refused. ”

Zhuang Rongkun said angrily, annoyed that this excellent way to survive was blocked.

"Big brother, how much money do you have in the bank now?"

Zhuang Rongkun asked his brother Zhuang Qingquan.

Zhuang Qingquan immediately said: "I asked just now, there are about 32 million, and now it is estimated that there is another million less." ”

"This is still me asking all employees to deliberately slow down, otherwise the 70 million fund will definitely not last until tomorrow morning. ”

"But now it depends on the situation!"

Speaking of this, Zhuang Qingquan's face was gloomy.

Zhuang Rongkun was silent suddenly, he didn't sleep well last night, and he didn't sleep at noon, his eyes were red at this time, his brain was chaotic, and all kinds of emotions in his heart were entangled, some were angry, some were dazed, some were powerless, and so on.

The thought was not smooth, and under the fire in his heart, Zhuang Rongkun picked up the cup on the table and slammed it on the ground.

"Smack!"

Zhuang Rongkun's sudden action startled Zhuang Qingquan, but seeing his younger brother's appearance, he sighed and fell silent.

"Ah Kun, it seems that we are in a catastrophe. ”

For a long time, Zhuang Qingquan said quietly.

"I'm not reconciled!"

Zhuang Rongkun roared, his fists clenched, and the muscles on his face burst out, he came to Xiangjiang from the Philippines to work hard, Hang Lung Bank has developed very well in the past three years, but now it is on the verge of bankruptcy in an instant, how can he be willing?

Zhuang Qingquan shook his head and sighed secretly, and explained:

"What can we do if we are unwilling? After decades of ups and downs, have we encountered fewer unwilling things? In the end, it is not like this. “

"But you can't give up until the last moment, and the family's foundation can't be dragged down, so continue to borrow money, continue to collect loans, if someone wants a bank, sell it at a low price, and if you still don't have money in the end, then stop business and declare bankruptcy directly." ”

Zhuang Rongkun said angrily: "Who else will borrow money? One by one, goblins and goblins, as for recovering the loans? Seeing that we are in crisis, which company has exchanged the loan for us? They are afraid that they want us to go bankrupt and go bankrupt, and then give the money to the black or think about using it for nothing, a bunch of bastards!"

"Keep delaying, there's really no way to drag it out in the end, so you can only declare bankruptcy. “

"Oh, I guess someone is waiting for us to go bankrupt and then come and eat us. ”

......

It is said that the house leak was divided into overnight rain, and in the afternoon of the same day, Jiahua Bank took the lead in bottoming out the funds, and directly announced the cessation of withdrawals, and the users waiting for withdrawals suddenly exploded, and the head office and branches of Jiahua Bank were full of trouble, and it was inevitable to do radical things under the excitement of the crowd, but fortunately, the Xiangjiang Police Station had already prepared, even if the police were dispatched to maintain order.

As soon as K. Wah Bank announced that it would stop withdrawing money, the depositors of Hang Lung Bank were stimulated and immediately rushed to withdraw money.

As a result, at around 5 p.m., Hang Lung's funds also bottomed out, and it also announced that it would stop withdrawing money, and depositors who had not yet withdrawn their money also blew up.

The Hong Kong government has been paying attention to this matter, but the Hong Kong government did not expect the matter to develop so quickly, and within a day, Ka Wah Bank and Hang Lung Bank stopped withdrawing money one after another.

Many depositors who could not withdraw money from banks came to the door of the Hong Kong government en masse and demanded that the Hong Kong government intervene to seek justice for them and get back their hard-earned money.

Therefore, MacLehose immediately convened a meeting, and at the same time, the Financial Secretary, Mr Harper, personally took the lead and led the officials of the Financial Services Bureau to intervene in the investigation of Hang Lung Bank and K. Wah Bank.

For a while, the pawns of the entire Xiangjiang peddlers, as well as many bigwigs, all focused their attention on this.

Of course, many small banks have no time to take care of anything else at this time, because of the emergency situation of Hang Lung Bank and K. Wah Bank, the public's confidence in the banks has plummeted, and a large number of people have come to withdraw money with passbooks, and the liquidity of several small banks has fallen below the safety line, making the bank presidents and shareholders behind the scenes jump urgently.

Many small banks with insufficient safe liquidity immediately tried to raise money in secret.

Although they are both banking banks, their strengths are different, and their performance in the face of crises is also different.

For example, HSBC and Standard Chartered immediately seized the opportunity to absorb deposits, hoping to absorb the money withdrawn by the majority of depositors from various small and medium-sized banks.

Jiuding Bank is no exception, Liu Tianci directly invited Global TV, and invited many authoritative third-party representatives to prove that some of its own data, such as more than one billion cash flow.

Taking this opportunity, Liu Tianci even shouted that Jiuding Bank is the bank with the highest interest rate and the safest bank in Hong Kong, tried his best to absorb deposits, and announced that the business hours would be extended to 10 p.m. during this period.

Not to mention, although many large banks grabbed users, after Jiuding Bank exposed one billion cash flow, Jiuding Bank's reputation skyrocketed, and some citizens who were not at ease at home after withdrawing money went straight to Jiuding Bank.

Of course, there is no shortage of people who go to HSBC and Standard Chartered.

Xia Yu didn't care if he knew it, now this time they artificially created opportunities, although Hang Lung Bank and K. Wah Bank are the most unlucky, other small and medium-sized banks have also been affected, and under the good time, HSBC, Standard Chartered Bank, including his Jiuding Bank, have tacitly seized the opportunity to harvest.