Just after noon on Saturday, seven outlets of Hong Kong South Hang Lung in Hong Kong and Macau have successively seen a flow of people withdrawing money, and more and more people have come, and gradually a long queue has formed outside the bank.

For this sudden run, the vast majority of people are baffled. Even those customers who came to queue up to withdraw their deposits were confused, most of them were passing by or living nearby, and suddenly saw a crowd of people congested at the entrance of South Hang Lung, in order to ensure the safety of their deposits, they immediately came with deposit slips to withdraw cash.

Fortunately, only a small percentage of the total number of users come to withdraw money, fortunately there is no accurate news at this time, and fortunately, Hong Kong banks are only open until 1 pm on Saturdays and closed all day on Sundays.

Therefore, after the police urgently dispatched to maintain order, after Nan Henglong issued numbers to all users who came before one o'clock, and promised to extend the business hours on the same day to ensure that all users who received the numbers could withdraw cash, the on-site order did not become extremely chaotic, and all the business was successfully concluded before 5 o'clock in the afternoon.

However, on the television news that night: "...... Today, there was a run on South Hang Lung Bank, which was interviewed by our reporter at the scene. …… I don't know the reason, but I'm afraid that the bank has no interest, and I'm afraid that the principal of the pension will not be able to be recovered by then. I've opened a fish ball stall for a lifetime, and I'm afraid that I will lose all my money!"

“…… According to sources, the Blue Star Network, owned by the well-known director Mr. Bramble, was successfully acquired by Wang Lie, the son of Mr. Wang An, on Friday Eastern Time. And in this takeover war, Mr. Bramble lost a lot. On the news, the shares of affiliated companies plummeted, with Delta Power, which is listed on the New York Stock Exchange, falling 8.6%, the European Union Cinemas on the London Stock Exchange falling 3.7%, and Dahe Industrial and Dajiang Daily Chemical in the Hong Kong market falling 9.4% and 11.7%, respectively. Hang Lung Nam has already issued loans of more than HK$3.4 billion to these affiliated companies, and before the takeover war, it issued a loan of more than HK$390 million, so the market immediately lost trust in Hang Lung. And in one day today, depositors have withdrawn more than 360 million in cash......"

“……”

In the evening of the same day, almost all the directors of Nanhenglong were present. And at this informal board meeting, Feng Biaoting was furious: "...... A few rumors, you will come to force the palace? Forget whose credit Nan Henglong is in the past few years? Do you want to do two or five boys, I, Nan Henglong, are here, you are brave enough to take it!"

In recent years, due to the right position in several Hong Kong financial crises, coupled with the strategic cooperation secretly formed with Jing Jian, Nan Henglong has achieved rapid development, with total deposits of more than 50 billion Hong Kong dollars, and has already squeezed into the ranks of medium-sized banks in Hong Kong. Unexpectedly, there was a run on the storm this time, and several directors showed considerable dissatisfaction.

"Ah Ting. An older director advised, "Let's not talk about the rest, how can we pass this hurdle? It is closed on Sunday, and all of them will be heard on Monday." Is there that much cash? Will we collapse in South Hang Lung?"

Taking a deep breath, Feng Biaoting struggled to regain his composure: "The bank has enough reserves. And I've been in contact with all the big banks, and they're willing to give us a short-term loan, promising to come up with more than $2 billion in cash on Monday and $1.5 billion on Tuesday. ”

At this time, there was no deposit protection scheme in Hong Kong, mainly due to concerns about cost, fairness and moral hazard, especially since the large banks were not enthusiastic about the scheme, believing that the deposit protection scheme actually increased their costs. It wasn't until 1997 that the financial crisis swept across Asia, with the Hang Seng Index plummeting, the property market plummeting, and rumors of a bank funding crisis spreading. Hong Kong-based banks are one of the victims, with depositors pouring in to trigger a run. The HKMA concluded that there was a need for deposit protection in Hong Kong, and the large banks that had not been keen on the DPS were beginning to reflect on it, and the industry generally supported the establishment of a deposit protection system after realizing that even the most modest banks were in danger of failing in the face of a run.

Therefore, at this time, if a Hong Kong bank encounters a run, the only thing he can do is to carry it to the death! Since depositors do not have a maximum withdrawal limit of 100,000 Hong Kong dollars per account guaranteed by the Hong Kong government, the only thing they can do is to run desperately.

In any case, those directors were somewhat relieved to hear that Feng Biaoting was prepared. However, there are still people who complain: "Young people are just unstable." How can we as a bank just press a treasure?"

Hearing that the man alluded to his relationship with Jing Jian, Feng Biaoting immediately burst into a rage: "Why don't you say it when you make money? If anyone is still not satisfied, give me the shares, and I will take them all!"

……

At this time, on the sea in Los Angeles, Jing Jian's family was with a group of invited people, taking a rented large luxury yacht to the sea.

In a palatial cabin, Jing Jian signed a large stack of documents, and handed it to Smith beside him: "Smith, don't rush to work, spend more time with your girlfriend." Let's file these documents again on Monday!"

Andre, who was sitting opposite, looked moved: "Mr. Bramble, may I ask ......?"

"Oh. Jing Jian smiled and handed over a cash check, "I've called the Bank of America, and they've got cash ready for you." $1.25 million, right? If you're not in a hurry, stay and play for a while?"

"No, no. Andrei hurriedly declined, and he smiled, "I have other things." ”

"No problem. Adlen!" Jing Jian commanded casually, "Arrange for a speedboat to take Mr. Andre ashore, and then send a car to take him to the bank." ”

Knowing that Jing Jian had lost the Blue Star Network, Andre felt that the end of the world was overdue, and the $68 million loan he had illegally lent was likely to be overdue. In desperation, he immediately launched a self-rescue plan, first of all, he united with the mistress of the Hong Kong branch as a treasurer, and swept away as much as 500,000 US dollars worth of foreign exchange from the vault. In the end, he transferred the last foreign exchange in the Foreign Trade Bank to Jing Jian's account, and rushed directly to Los Angeles to ask Jing Jian to help withdraw cash.

The moment he stepped ashore, Andrei looked back at the luxury yacht again, and sighed in his heart: "The rotten life of the West drunk and drunk lantern fans!"

André was not very relieved about the more than five million dollars in his Swiss bank account. After all, it was only confirmed by phone, so it was better to get the cash yourself. Seeing Adelun beckoning a car over, Andre smiled and declined: "Don't bother, I have another appointment, I'll go first." ”

Ten minutes later, outside the pier, Andre Young, who had already put on his makeup, stopped a taxi......