£2,310 million. ”

As soon as this number came out, everyone couldn't help frowning.

According to the current figures that Evelyn Rothschild just said, Barclays now has total assets of £48 billion.

And there is only 2.31 billion pounds left in liquidity, which is equivalent to less than 5% of liquidity, which is undoubtedly extremely high.

Generally speaking, for large commercial banks in Europe and the United States, it is best to keep the ratio of working capital to the total assets of the bank between 10 and 15 percent.

Generally speaking, the liquidity holdings of commercial banks should follow three principles.

First, the principle of proportionality of the total amount of cash asset management.

This means that the total amount of cash assets of the bank must be maintained at an appropriate size. This appropriate size refers to the amount of cash assets that the bank pays to maintain the cash assets at the lowest opportunity cost on the premise of ensuring the liquidity needs of the bank's operating process, which is determined by the functions and characteristics of the bank's cash assets.

The principle of aggregate appropriateness is also the most important principle for the management of cash assets of commercial banks.

Second, the principle of timely adjustment of cash assets.

This means that banks should adjust their capital shortage positions in a timely manner according to the changes in cash flow in the course of business to ensure that the scale of cash assets is appropriate.

Third, the principle of security guarantees.

The cash assets of commercial banks are mainly composed of their deposits and cash in hand with the central bank and interbank banks. Among them, cash in hand is the necessary payment turnover in the process of commercial banking business, and it is distributed in various business outlets of banks. In the management of cash assets, especially cash in hand, banks must improve the safety and security system and strictly enforce business operation procedures to ensure the safety and security of funds.

To sum up the three principles, that is, to make the best use of the bank's funds while ensuring that the bank's operations are as safe as possible!

If the bank's liquidity is too much, at the end of the year, when the savings interest rate is extremely high, the bank's cost will be very high, and the safety is safe, but a bad operation will easily lead to the bank's loss.

A family like the Rothschild family, which has been engaged in the banking industry for hundreds of years, is undoubtedly very experienced in running a bank, so it has always pursued high turnover and high profits.

And the Rothschild family is also a big family, and it is easier to raise funds, so Barclays has a liquidity ratio of less than 10%.

Under normal circumstances, it doesn't matter if it is less than 10 percent, with the prestige of the Rothschild family consortium, it is easy to be able to turn over funds.

But at this time, Barclays is still facing the dilemma of continuous loss of funds, and other banks are also in a quagmire, and they will definitely not turn over to Barclays.

Originally, the Rothschild family had another financial pillar - the French Edmond de Rothschild Bank.

However, it was also nationalized by the French government this year, and now the French bank Edmond de Rothschild is still very weak and cannot support Barclays.

Now there is only one way to go, and that is to figure it out on their own.

The simplest and most effective are two paths.

First, let Barclays sell its liquid assets, recover the loan as much as possible, and withdraw the funds.

Second, the Rothschild family mobilized the liquidity of the entire family and consortium to inject into Barclays, preventing Barclays from being withdrawn by depositors until the funds dried up.

And Jacob Rothschild summoned the heads of the branches other than the American branch here for these two purposes.

Work together to tide over the difficulties!

Looking at the ugly faces of the crowd, Jacob Rothschild, who was sitting at the top, finally spoke.

"The situation is also clear to everyone, it is now an extremely dangerous moment, Barclays Bank is the core pillar of our family, and we must do our best to protect it!"

"Barclays has only lost £1.55 billion in assets in the last nine days, which is a lot, but we also have to recognise that this is a good situation and I know that Evelyn has put a lot of effort into securing those big clients. ”

"It can be said that 80% of the assets lost now come from ordinary depositors, otherwise it would not be so low!"

"But unfortunately, what is happening in Latin America these days is something that none of us want to see, and there is a full-blown sovereign debt crisis in Latin America. ”

"This means that from today onwards, the crisis will be raised by a few notches!"

Hearing this, everyone nodded approvingly.

And Evelyn Rothschild couldn't help but say: "Jacob is right, since yesterday, the rate of our money loss has more than doubled month-on-month. ”

"More than £155 million in cash was lost on the 12th, £320 million in cash was lost on the 13th, and today is not over, but more than £280 million in cash has been lost. ”

"Following this trend, I think tomorrow I go to the bank and someone will report to me that the bank has lost £400 million in cash today!"

"If we continue to let it go, then with the current liquidity of the bank, it will definitely not last a week before the funds will be broken!"

The eldest, Edward Rothschild, immediately objected: "Selling is not a solution, now countless pairs of eyes are looking at us, once we urgently sell assets, then it is confirmed that there is a problem with the bank's capital chain, which will cause a huge panic, and the speed at which we sell assets to return funds is not as fast as the speed at which depositors withdraw money." ”

"The best thing to do is to contain it at the source and appease the emotions of depositors. ”

Hearing this, Charles Rothschild, who came from Xiangjiang, suddenly said: "I think I have a way to try." ”

Everyone looked at him in unison.

Charles Rothschild took a deep breath and said: "Last year, when the stock market crash broke out in Xiangjiang, a large number of banks faced a run, and then Jiuding Bank in Xiangjiang made an unprecedented move and visited one billion Hong Kong dollars in cash in the bank hall. ”

Although this move is simple and vulgar, it is undeniable that the effect is particularly good, and Jiuding Bank broke the run crisis on the same day. ”

Later, HSBC and Hang Seng Bank also imitated, which also eliminated the run crisis. ”

"We can refer to it and try this method. ”

Everyone's eyes lit up and they all figured it out.

After a few moments, Evelyn Rothschild, the president of Barclays, shook her head and said, "This approach doesn't work for us." ”

"Xiangjiang is only a small place, not as big as London, but the population density is very high, so Jiuding Bank only needs to place funds in the headquarters, which can quickly spread the news and facilitate depositors to verify. ”

"But we have banks all over the UK, and if we just put cash at our London headquarters, even two billion pounds, it won't dispel the concerns of depositors in other cities. ”

"And the news spreads very slowly. ”

PS: No, I've been overworked every day these days, and now I'm shaking all over, tired, my hands and feet are sore, my throat is hot, and my fingers are shaking all the time