At noon, Zhou Ming took a car to the South Brighton district, which is the political and economic center of the city of Brighton, where the most important institutions in Brighton will be headquartered, and the Tang Bank is no exception.

Chinabank Financial Building is a tall building with classical characteristics, located opposite Brighton Bank, which is also a landmark building in Brighton.

This is actually a more interesting situation, because you must know that Brighton Bank is the core of the Brighton consortium, and the Brighton consortium is one of the top ten consortiums that control the lifeblood of the United States.

There was a gathering of financial organizations at the entrance of the building, just like it was broadcast in the news, holding banners aloft and some people taking the lead in shouting slogans, constantly handing out propaganda materials to passers-by, demanding that the bank disclose its accounts and give an account to all depositors and investors. Beside them were the Brighton police, who were keeping a close eye on the situation.

On the other side, many depositors crowded the door of the Tang Bank, holding up their deposit receipts and demanding that the Tang Bank return the money to them immediately.

This situation was all seen by Zhou Ming, and he knew very well that this situation was called a bank run, simply put, when the bank's credit declined, depositors went to the bank to withdraw cash in order to avoid the loss of their money in the bank.

Normally, this kind of thing doesn't happen, and if it does, it will be fatal to the bank.

The reason is very simple, depositors deposit their money in the bank, and the bank has to pay depositors interest, pay shareholder dividends, and at the same time maintain its own operations and expansion, so it is inevitable to invest the depositors' funds it absorbs, and only a small part of the funds should be withdrawn from depositors. At this time, once there is a centralized run on depositors, it will cause insufficient bank reserves and make the bank's credit worse.

It's just that this kind of run either happened during the financial crisis, and everyone blindly carried out the run due to the impact of the crisis, or it happened to some small banks; according to Zhou Ming's understanding, Tangren Bank is also a large bank with strong capital, and this should not happen, it seems that Tangren Bank is really in big trouble.

Zhou Ming thought so in his heart, and then asked Zhang Lin to start the car again, drive into the underground parking lot of the Tang Bank, and finally go upstairs to find Hoover.

Since the Tang Bank is in big trouble, Hoover, as the head of the Brighton branch of the Tang Bank, will naturally not feel good, and when Zhou Ming came to his office, he found that there were many people waiting here. Needless to say, the people here must be the same as the people below, except that the ones below are small depositors, and these are large customers, or investors with a nice name.

But no matter how different the name is, when trouble comes, the result is the same.

Zhou Ming looked around, but suddenly found that there was an acquaintance inside, it was Mark, the chairman of Deep Blue Airlines.

Mark was also a little embarrassed to see Zhou Ming, and he explained to Zhou Ming: "I actually want to help Tang Bank, but the current situation of Deep Blue Airlines is not very good, so for the sake of insurance, I still have to withdraw my money." ”

"Mr. Mark, you can deposit and withdraw your money as you want, and you don't need to explain anything to me. Zhou Ming said that he didn't expect that he had only cooperated with him once, and he was so polite to himself, and as far as he knew, he didn't seem to have any cooperation with Tang Bank before, was it also because of his own relationship?

Zhou Ming didn't know, of course, it didn't matter: "I have other things to do with Mr. Hoover, and we'll talk about it later." ”

Zhou Ming was about to go inside after speaking, but immediately a tall white man stood up and blocked Zhou Ming's way, and said very unkindly: "Chinese, are you blind? I didn't see that so many people here are still waiting, you better obediently go back to the back and wait!"

After this white man finished speaking, everyone else echoed: "That's right, damn Chinese, you must know that this is the United States, pay attention to your own quality influence!"

In the face of this chaotic scene, before Zhou Ming could speak, he heard Hoover's secretary stand up and shout: "May I ask if Mr. Zhou Ming has arrived? Mr. Hoover, please come to the office for a talk." ”

As the secretary said this, the office outside suddenly fell silent, because it was undoubtedly a heavy slap in the face.

Zhou Ming answered and strode across the office, and said to everyone at the same time: "I'm sorry everyone, it seems that I didn't cut the line, but I have more important things to discuss with Mr. Hoover." ”

After speaking, Zhou Ming followed the secretary into Hoover's office, and the other people outside cursed after hearing Zhou Ming's words, no need to think that they were also complaining about their own queue cutting behavior, but with the office door being closed, the outside affairs were not Zhou Ming's concern, in contrast, the situation in front of Zhou Ming was even more surprising.

In front of Zhou Ming, Hoover was sitting in his office chair, and next to him stood a nurse lady, who was helping him change his drip.

"It's been a bit a bit too much lately, and my old problem has just happened again, so that's all I can do. ”

Hoover took the initiative to explain his surprise to Zhou Ming, and then asked: "But Zhou Ming, won't you come here today to withdraw cash, that will really make us worse." ”

"I'd like to think if someone was willing to give me a million dollars, but unfortunately no one did, and I didn't have that much in the Don's Bank. ”

Zhou Ming replied to Hoover's ridicule with ridicule, and then Zhou Ming sat in front of Hoover, and the secretary brought Zhou Ming a cup of tea, and Zhou Ming thanked him before saying to Hoover: "But then again, the purpose of my coming today is indeed related to the current situation of Chinabank." If I'm not mistaken, the capital of the Donnes Bank should be at least $10 billion, and it's not a small bank, so how could it be subject to such a run?"

"You think it's very unscientific, in fact, not only you, but everyone including shareholders and the bank's senior management think it's very unscientific, but he actually happened, the reason is very simple, this is a big shrinkage of the capital of the bank, since that Black Monday in '87, a lot of the bank's investments have suffered a huge blow. Hoover said.

"So last time, Manager Hu, you came to me and asked me to repay the loan in advance, right?" Zhou Ming asked.

Hoover nodded and said: "Due to the failure of the investment, there has been a shortage of funds in Tang Bank, and the senior management is worried that someone will take the opportunity to spread rumors, or sell bank stocks and a run, so we managers are asked to persuade large customers, asking them to repay loans and pull deposits in advance, and prepare reserves in advance to deal with runs." ”

"It seems that you already know that someone is targeting you, is it a grudge between the consortiums, and which consortium does the Tangren Bank belong to?" Zhou Ming asked again.

Faced with Zhou Ming's question, Hoover looked at Zhou Ming for a while, then shook his head helplessly and said, "Zhou Ming, you have been around for a long time, and finally entered the topic, I think this is the main purpose of your visit today, right?"

Zhou Ming nodded undeniably about this: "I really want to know, because someone pretended to be Mr. Nordriman and told me some very interesting situations, including the situation of Gulf and Tangren Bank." ”

Hearing Zhou Ming's statement, Hoover was stunned for a moment and then smiled: "If I guess correctly, he must have said that he is from Chicago, and he said that the Gulf War will definitely break out, and that is because the China Bank and the consortium behind the China Bank invested in Iraq and controlled the oil in the Persian Gulf, so the hostile consortium with us needs a war to stop this." ”

At the end, Hoover looked at Zhou Ming and asked, "Am I right?"

Zhou Ming asked rhetorically without changing his face: "Isn't the real situation like this?"

Hoover thought for a moment and replied, "On the surface, this is true, but in reality the situation is far more complicated than you think. ”

"How complicated is it? Is there several consortiums behind Tang Bank? Or is there a split in the consortium itself?" Zhou Ming asked three questions in one breath.

Hoover did not answer this directly, but first asked Zhou Ming: "Why are you obsessed with this question? Why do you think I will definitely answer you? Do you know that there are so many customers out there waiting for me to deal with, why do you think I will waste my time on you?"

"I didn't say that you had to answer me anything, but I think that since you took me to Uncle Tiger at the beginning, Uncle Tiger also asked me to find you with any difficulties, and now you can't be so stingy when I come over, right?" Zhou Ming said.

"That's Mr. Tiger who valued you at the time, but what you did later disappointed him, have you forgotten?" Hoover said.

"It seems like that's the case. Zhou Ming said with a sharp turn of words, "But Governor Hu, are you sure that your Mr. Tiger is really disappointed in me?"

For Zhou Ming's final rhetorical question, Hoover was stunned, and only laughed after a long time: "No wonder Mr. Tiger values you so much, you really have the capital to make him pay attention to it." Indeed, after you did that, Mr. Tiger not only did not disappoint you, but valued you more, because you are better than he thought, and he believes that you will definitely do better than he thinks. ”

Hoover's answer made Zhou Ming breathe a sigh of relief, in fact, of course he wouldn't know what Uncle Tiger thought, and he had no way of knowing whether his deliberate act of showing weakness would really make Uncle Tiger angry, or whether Uncle Tiger would have the same kind of habit of control as some big people. However, in the end, Zhou Ming still thinks that since Uncle Tiger can be more powerful than Hoover, he will definitely not be a visionless person.

The result was that Zhou Ming guessed correctly, Uncle Tiger really understood his original idea, and cooperated with himself to act in a play.

However, the topic was not over here, and Zhou Ming asked Hoover: "So can Mr. Hoover answer my question now?"

"Of course you can, but I'm just a small person and don't know much. Hoover reminded Zhou Mingdao.

Zhou Ming nodded to understand this, maybe in the eyes of ordinary people, Hoover is already the head of the Brighton branch of the Chinatown Bank, and he must be a very powerful big man, but you must know that there are regional branches and head offices above him, and there is a bigger consortium behind the Tang Bank, and above the consortium, there is an organization united by several major chaebols like Kang Caien, so in this way, Hoover is indeed just a small person.

"But the little people are also looking up at the same blue sky as those big people, aren't they?" Zhou Ming said.

Hoover was stunned for a moment, gave Zhou Ming a thumbs up and said, "He is worthy of being a person valued by Uncle Tiger, and he is really domineering." ”