It has been three days since Xu Zhi last received the two Zhuang brothers, and in just three days, Hang Lung Bank was withdrawn by crazy depositors with another HK$250 million in cash.

At this moment, the cash reserves within the banks are almost empty, and if they stay up one more day, once the cash runs out and depositors cannot withdraw their money, there is a risk of even greater chaos.

The last hope of the two Zhuang brothers was completely shattered, and until the last step, of course they were unwilling to sell the bank in their hands, which was the foundation of their family's strength.

At this time, a large amount of capital in Xiangjiang began to flee, although some discerning overseas investors also intend to take advantage of the bottom to enter the Xiangjiang market, but they are also like other large banks in Xiangjiang, worried about the hidden liabilities of Hang Lung Bank, and face a run, the strength of the overseas consortium may not be inferior to the local consortium in Xiangjiang, but after all, the reputation is not obvious, 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 the run crisis.

The risk is too great, and the time is so short, in the end, seeing that the bank is about to fall into the brink of bankruptcy, Zhuang Rongkun immediately called Xu Zhi's assistant and agreed to the deal, with 100 million Hong Kong dollars, it is much better than losing the bank and bearing unlimited joint and several liability.

In fact, in the original history, the Hong Kong government took over the Hang Lung Bank, which was run out of oil, with the Exchange Fund as a guarantee, and injected 300 million Hong Kong dollars in cash at the same time, preventing a financial catastrophe that affected tens of thousands of people。

But the current market makers do not know the future, once Hang Lung Bank has insufficient capital turnover, the bank will inevitably go bankrupt, owing tens of thousands of depositors in deposits, I don't know how many years it will take to deal with it, although Hong Kong has a bankruptcy law on the bank, they will still have to face endless legal proceedings and overwhelming media accusations in the future.

In the 60s, the Hong Kong government stipulated a deposit reserve ratio of 25%, and the Hang Seng Bank controlled at 32%, which was higher than the legal requirements, but still could not withstand the run, and in the end, HSBC colluded with the Hong Kong government to obtain 51% of the shares of Hang Seng Bank at a low price of 51 million Hong Kong dollars.

In the 60s, Hang Seng Bank was already the largest Chinese-funded bank in Hong Kong, and its scale was actually not much lower than that of HSBC, and both were strong competitors in many fields, but in a run crisis, HSBC eliminated its rivals bloodlessly, and at the same time controlled Hang Seng at a very low price.

In any business sector, taking advantage of the weakness of your opponents 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 Zhi dared to acquire Hang Lung Bank, and the losses on the surface are easy to calculate, as long as there is nothing hidden.

According to the pre-prepared means, after the signing of the simple agreement of intent was signed, the two parties immediately held a press conference to publicly announce that the Bank of East Asia would assume all the deposit business of Hang Lung, and at the same time transport the prepared HK$200 million in cash to the branches of Hang Lung Bank in Hong Kong in the early twenties to face the depositors who had lost their confidence.

Dozens of bank security personnel took down dozens of wooden boxes from the cash truck, and each wooden box was carried into the bank by two people.

"Is it all money?"

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

The man in the suit looked behind him, smiled awkwardly and said, "Don't take it." ”

"Okay, the passbook will be returned to you!" The counter lady also breathed a sigh of relief, out of professional requirements, she had to take out all the money in the account for the customers according to their requirements, from hundreds, thousands, tens of thousands to hundreds of thousands, and the cash that had passed through her hands in the past few days was more than the cash she had been exposed to in her previous life.

As a banker, she knew that no bank could afford such a run, and that at some point, the bank would inevitably be declared bankrupt and everyone would lose their jobs.

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

And the depositors are not stupid, as soon as they heard that the Bank of East Asia had acquired Hang Lung Bank, they naturally no longer worried about the safety of their deposits.

However, some people rejoice and some are sad.

For someone who has just given up a few years of interest in order to withdraw their deposits, this news is no less than a nightmare.

From their own point of view, the acquisition of Hang Lung Bank was after they withdrew their money, and theoretically speaking, the change of ownership of the bank had nothing to do with them, nor did it bring them direct economic losses.

But few people can accept this kind of gap, the first few minutes, they are still the lucky ones, they take out the bank deposit, no longer have to worry about the bank going bankrupt, the next moment, they are a group of poor people who have lost years of interest on their deposits.

It is unknown what the attitude of some withdrawals who have already gone home when they hear the news, but at this moment, there are many people in the bank who have just successfully withdrawn money, and immediately ran back to the counter and said: "I won't withdraw this money, can I ...... it?"

"What can we do?" They themselves don't know what to say, do they want the bank to restore the previous deposit, and put the interest that has been deducted back into the account?

The other people who almost withdrew their deposits were looking at the group of poor people in front of them with complicated expressions at the moment, and if they got the news a few minutes later, they would have the same ending.

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

"......" Ah Fang was also close to the counter, when she heard the result that she had already known, she opened her mouth half-open, and she was a little out of breath, if it wasn't for the bank counter, she would probably fall directly.

Ah Wei helped his wife who was about to fall, but in fact, his eyes were almost dark, and he lost more than 10,000 yuan in interest.

There are still some unwilling people, who are still subconsciously asking the counter lady, at this moment the people who withdraw the money have basically dispersed, and the counter lady is also relaxed physically and mentally, plus she also pity the group of people in front of her, so she patiently explained all the questions to them.

Ah Wei Ah Fang and a group of people around him, they were still in front of the counter, although they already knew that the loss was inevitable, but they still refused to leave, most of them couldn't accept this ending, and they didn't dare to go home and tell their families about it.

"Ding Ding ......" The bell ringing that the bank is about to get off work, everyone is unwilling, and they can only leave here, they are ordinary market people, and they are in front of the loss, and the interest can only be lost, there are a few people who want to make trouble before, and they are soon subdued by the bank security, and they don't even have to be twisted to the police station, there are a bunch of police outside.

"Husband, what should we do?" asked softly as Fong walked out of the bank door.

Ah Wei's brows were also furrowed, and he said: "The money has been taken out, that's all it can be, it's going to be dark soon, let's go back, go to the factory tomorrow to have a look, don't lose your job." ”

......