Wang Chong felt that Gu Tiande's words today were a little strange, but he didn't think much about it, he smiled slightly, and left the office with his head bowed. On the coffee table, there was breakfast bought by Wang Chong, Gu Tiande felt a little hungry at this time, he smiled bitterly, it was better to die than to live, boiled a cup of boiling water, and ate those buns into his stomach.

The whole office was in a mess, the cleaner knocked on the door and came in to clean it, Gu Tiande waved his hand, and said I don't need you, I'll just come by myself. He got up slowly, put the messy papers in order, and put a group photo of his wife, daughter, and himself on the desk. This is a photo of my daughter when she was eight years old, when she was only 30 years old, and she had just joined the Donghua City Information Society. Unexpectedly, it has only been more than ten years, and a family has been torn apart.

He sat on the shift chair, worked at the desk for more than half an hour, put his things away, put on a windbreaker, and left the Chengdong Branch.

……

As soon as Wang Chong returned to his office, he suddenly received an email, which turned out to be an "Audit Visa Form", which recorded that Wang Chong's salary card account had a fund exchange with a loan customer Kang yesterday, with an amount of 50,000 yuan, and asked Wang Chong to explain the situation.

Wang Chong felt strange and went to the counter of the sales department to check and found that the money was transferred by Kang Yuanheng, the owner of Kanghui Food Company, through online banking, but the problem was that Wang Chong didn't know this Kang Yuanheng at all.

According to the general rules of credit, the main stakeholders of the credit business are not allowed to have capital transactions with customers, and at the same time, the audit system also monitors the flow of funds of employees in the bank in the background, so when Kang Yuanheng's account is remitted to Wang Chong, the audit mechanism is automatically triggered, and the audit order sent by the audit department in the first time.

Wang Chong found Kang Yuanheng's phone number and asked, "Mr. Kang, I am Wang Chong of the Chengdong Branch of Donghua Bank." ”

The other side of the phone said very respectfully, "Hello, President Wang, my loan is about to expire, and it is up to you to renew the loan this time." ”

Wang Chong said in a deep voice, "What does the transfer of 50,000 yuan mean?"

Kang Yuanheng said, "A little meaning, not a respect." ”

Wang Chong felt that something was very strange, he never knew him, and he never leaked his salary card number, how did he know, and he also transferred money to me, so he asked, "Mr. Kang, let me ask you, who asked you to transfer money to me?"

Kang Yuanheng smiled and said, "Didn't you ask knowingly?"

Wang Chong was also angry when he saw him talking around, and said: "Mr. Kang, listen well, I don't know you, and I have never asked you for a bribe, I ask you now, who asked you to transfer this fund to me, if you don't tell the truth, after this loan expires, as long as I am in the Chengdong Branch, you don't want to renew the loan!"

Kang Yuanheng heard him raise his voice, and muttered in his heart, wondering, "Yesterday, Manager Pang called me and said that my loan is now approved by you, and I will transfer the 50,000 yuan handling fee to your account, and I am thinking of going to you today." ”

"Pang Xiao?"

"Yes, he is a close confidant of President Gu. ”

Wang Chong was annoyed in his heart, needless to say, this must have been Gu Tiande's envoy Pang Xiao to operate like this, but anyone with some common sense knows that this kind of shady money can never be transferred through online banking, let alone transferred to a salary card. Gu Tiande disgusted himself like this, how could he not make Wang Chong angry.

Wang Chong said: "I will transfer the 50,000 yuan back to you later, and I have recorded today's call." ”

"What about my loan?"

Wang Chong said coldly, "Let's follow the process." ”

Wang Chong went straight to the third floor, knocked on the door of Gu Tiande's office, and found that no one answered, the door was hidden, Wang Chong pushed the door in, and found that his office had been tidied up, and there were two envelopes on the table, one of which was written, Wang Chong opened it personally, and the other was for his wife Pang Le.

Wang Chong opened the envelope to himself, and there was Gu Tiande's scribbled handwriting on it.

"Wang Chong, thank you for letting me recognize myself clearly, you and I have known each other for half a year, there are more grievances than feelings, and there are many grievances in the work, and I have also framed you many times, and I have failed to do my wish. I was born into a revolutionary family, but I did not inherit the revolutionary tradition, and I deeply regretted that I lost myself before money and beauty.

I used to hate you, laugh at you, in this materialistic society, you can stick to your heart, adhere to the principles, not dyed black by the big dye vat of this society, I used to not understand you, in the financial system, many people with authority use their authority to make their own interests, it has become the norm in society, you are an outlier, but now, I realize your original intention. I envy you for being so, but I have embarked on a road of no return.

In you, I found a special quality, a quality that I lacked: to be a human being, but to seek peace of mind, to be worthy of the heart, to have always. Now, I have come to my senses of repentance, and I have decided to do something that is beneficial to the party, the people, and the bank, not for anything else, but for peace of mind.

For visa matters, I have already emailed the audit department to explain the situation, please do not worry. There is another envelope on the table, please pass it on to my wife Pang Le, thank you.

Gu Tiande's words. XYYYYYYYYYYYYYYYYYYYYY ”

Wang Chong had an ominous premonition in his heart, he took out his mobile phone to dial Gu Tiande's mobile phone, but found that the other party was already in a state of shutdown. While staring at the letter in a daze, Zhang Feifei rushed in, "Master, something is wrong." ”

Wang Chong asked, "What's wrong?"

Zhang Feifei pointed downstairs, "A group of people came from outside the door, and they put up a banner at the door, saying that they wanted to collect debts!"

Wang Chong cleaned up his mood, took the letter into his arms, and followed Zhang Feifei downstairs. I saw more than a dozen people standing at the door of the business hall, holding a banner in white, which read: "Donghua Bank, bereavement Tianliang, fraud deposits, intolerable nature, pay back my hard-earned money!"

Within a moment, dozens of people gathered at the gate of the entire Chengdong Branch, asking what was going on.

Wang Chong stepped forward to negotiate and asked, "Folks, what's going on, everyone come in and talk." ”

"Last year, your president Gu Tiande and his brother-in-law Pang Xiao promised high interest rates and defrauded more than 5 million deposits from us, but now the phone can't get through, and there is a seal at home, so we have to come to your bank to collect debts!"

The leader shouted, "Let you Gu Tiande grow out!"

Zhang Feifei said: "Our President Gu is not in the industry today!"

"Did you hear it, Gu Tiande ran away!"

Wang Chong made a gesture to the counter, which meant to activate the mass 'incident plan', and Shang Qingshan, the director of the sales department, received instructions to immediately start the emergency process, and reported the situation to the legal and compliance department, the sales department and the president's office of the head office, and at the same time dialed the duty phone of the Chengdong District Police Station.

Wang Chong was mediating with the crowd to get more information. As soon as everyone heard that Gu Tiande had run away, they shouted one after another, "Let's go up together and snatch our money back!"

Wang Chong stopped at the door, "Fellow villagers, please calm down, can you put away the banner first, send three representatives, and let's talk in the bank?"

"What is there to talk about, give us the money back and we'll go!"

Wang Chong knew that things were not good, if there was a mass attack on financial institutions, the consequences of the matter would be extremely serious, he still didn't know much about the whole thing, but everyone refused to negotiate, and Gu Tiande, the only one who knew the inside story, was missing, how could he not be anxious.

The crowd of onlookers who did not know what was going on around exchanged their heads one after another, and at this time someone shouted: "Tung Hua Bank has collapsed, everyone quickly withdraw their money!"

In an instant, more than a dozen people poured into Donghua Bank, "I want to withdraw money, I want to withdraw money!"

Wang Chong immediately made a decision and instructed Zhang Feifei, "Activate the liquidity risk emergency plan, require all vacation tellers to return to their posts, suspend other businesses, open all windows to pay, notify everyone in other departments to come down, maintain order, and ensure cash payments." Count the amount of money withdrawn by everyone, and ask Shang Qingshan to check the cash treasury, contact the cash car, and apply for cash transfer. ”

The rumors spread quickly, and the surrounding people heard that the Chengdong branch was going to close, and they didn't care about distinguishing the authenticity, so they poured over to the Chengdong branch. A few minutes later, the business hall of the Chengdong branch was crowded with people. Everyone in the entire Chengdong branch stopped what they were doing and came to the business hall to maintain order and explain to everyone. Fortunately, emergency drills are also done twice a year on weekdays, and the crowd in the hall is not chaotic.

The Chengdong branch is a second-level branch, with a cash inventory of two million, and in just a few minutes, everyone has withdrawn one million yuan, and the cash bank is in a hurry.

The siren sounded, and three police cars came to the Chengdong branch. More than a dozen police officers got out of the car, came to the scene, maintained order, and the leading officer asked, "Who is responsible here?"

Wang Chong stepped forward, "Our president is not in the bank, and I am temporarily in charge at present." ”

Pull up the banner and say, "Comrade policeman, you have to administer justice for us, they cheated us out of our money." ”

The police officer frowned and said, "Everyone, if there is a problem, let's go to the bank and say, if there is a problem, go to the public security to report the case, pull up the banner, block the door, your behavior has violated the public security management regulations, remove the banner first!"

The crowd shouted: "Why? Our money was given to them, and you, as a people's policeman, do not help the people in charge, but speak for them, you are colluding with officials and businessmen!"

At this time, Lin Tianhua called and shouted on the other side of the phone: "Wang Chong, what's the situation over there." Wang Chong ducked to the side and briefly introduced the matter to Lin Tianhua.

"What about Gu Tiande?"

"President Gu went out this morning, and we couldn't get through to him!"

"I don't think he wants to do it anymore, Wang Chong, I now appoint you as the acting president of the Chengdong Branch, and I am fully responsible for handling this matter, President Liao and I are already on the way here, remember, be sure to do a good job of cash supply!"

"Yes. ”

After the mass run occurred, Lin Tianhua immediately reported major matters to the chairman, the People's Bank of China, the Banking Regulatory Bureau, the Financial Office, the district government and other relevant departments, and set up an emergency working group to lead Liao Xingguo to the scene to preside over the overall situation.

The head of the Donghua Central Branch of the People's Bank of China immediately gave instructions, and the Currency, Gold and Silver Section of the People's Bank of China and the Donghua Bank made every effort to do a good job in supply. Half an hour later, three cash trucks, escorted by special police, delivered 20 million yuan in cash to the business department of the Chengdong Branch, and at the same time, eight tellers from each branch were dispatched to the Chengdong Branch to assist in the redemption of RMB.

The Risk Management Department, the Payment and Settlement Department, and the Treasury Department are conducting simulated liquidity stress tests remotely to simulate the liquidity crisis that may be faced during the mass run.

Because most of the money deposited in the bank is used for credit, interbank, wealth management and financial derivative projects, there is not much cash that can really be used in the bank, and under normal circumstances, it can meet the daily access needs of the people, but once a run occurs, it must be able to have sufficient cash flow. Banks generally have some reserves (excess reserves) after paying deposit reserves, which is to cope with this phenomenon, and if the funds are not enough, they can only borrow through Shibor.

When Lin Tianhua arrived at the Chengdong Branch, the scene had been controlled, and under the maintenance of the police and bank staff, the people waiting to withdraw the money had lined up in a long line, in order to reassure everyone, 20 million cash was piled up in the counter, and the slogan of 24-hour payment was played on the LED screen.

As of 10 a.m., the deposit amount of Donghua Bank has decreased by 130 million yuan, including on-site withdrawals and online banking and mobile banking transfers.

Lin Tianhua received a text message that according to the current transfer speed, at two o'clock in the afternoon, the reserve fund will be used up, and he needs to borrow funds from the interbank that has signed a liquidity support agreement or prepare to re-lend to the central bank.

In order to appease the people, the district government and the financial office also sent propaganda vehicles to explain financial knowledge to everyone, and the LED screen also played the slogan that please don't believe the rumors, and Donghua Bank ensures that all deposits and withdrawals are normal for payment.

……

Lake Park.

After Gu Tiande left the Chengdong Branch, he came here alone. Twenty years ago, he and his wife, Pang Le, went on their first date in this park. He sat on a park bench and his mind drifted back to twenty years ago.

At that time, he had just returned from the army, and Gu Tiande was in his prime, and his father arranged him into the Donghua City Credit Society. After being introduced by the matchmaker, the two met here. I remember that it was summer, Gu Tiande was wearing a jacket to overcome, and when he saw Pang Le for the first time, he was shocked.

Pang Le wore a light green really good dress, with a slim figure and a hint of shame on his face. Gu Tiande was clumsy at that time, and he didn't know how to express himself, so he dared to invite Pang Le to go boating in the middle of the lake, and Pang Le agreed. After that, the two made a private lifelong agreement, got married, had children, and everything went according to plan.

After marriage, there was only firewood, rice, oil and salt, and there was no poetry, and soon there was a crisis in the relationship between the two. Ten years ago, Gu Tiande's father was shuanggui, and the marriage between the two was inseparable, and Gu Tiande's love of drinking, gambling, and not keeping his duty was gradually exposed. At that time, he became the director of a branch office of the City Credit Society, owed 100,000 yuan, in order to repay the debt, he began to ask customers for kickbacks, after tasting the sweetness, he fell deeper and deeper into it.

Later, Gu Tiande was not satisfied with this, and began to be a capital broker, borrowing the convenience of the bank president, and began to absorb idle funds from the society, and released water to customers.

Today, the matter was finally revealed, which led to a run on the Chengdong Branch. However, at this time, Gu Tiande didn't know what happened in the Chengdong Branch, he hesitated for a long time and sighed, "It's really self-inflicted." ”

Gu Tiande finished smoking a cigarette, brushed away the snowflakes on his body, felt a little thirsty, he came to a nearby store, bought two bottles of water, and saw that the bathing center next door had just opened, once upon a time, he was a frequent visitor here. This bathing center is divided into three floors, the first floor is bathing, the second floor is massage, and the third floor has some erotic services.

He walked in, and a guy recognized him and greeted him, "President Gu hasn't been here for a long time, is it himself or accompanying the customer today?"

Gu Tiande said, "I'll take a bath." ”

The guy led him to the first floor, changed his clothes, Gu Tiande walked into the bathroom, turned on the faucet, and scrubbed his body vigorously, as if he wanted to wash off the bad luck on his body, and after ten minutes, he took a shower and went directly to the third floor.

There was a lone waiter on the third floor, and when he saw Gu Tiande, he hurriedly said, "There is a guest coming!" As he spoke, Gu Tiande was welcomed into a pink single room, and seven women with heavy makeup and fancy clothes walked in, and the waiter said, "Sir, please take a look." ”

Gu Tiande waved his hand, "Let's stay all." ”

The waiter was a little surprised, but out of professional ethics, he didn't say much, said "serve the distinguished guests well", turned around and walked out, and closed the door with his backhand.

A woman said, "One dragon and seven phoenixes, this gentleman is really good at playing." ”

Half an hour later, Gu Tiande walked out a little haggard, finished the account at the bar, and lit a cigarette. I heard someone chatting and said, "I heard that No, Donghua Bank heard that it is going to go bankrupt, have you deposited money in Donghua Bank, hurry up and transfer away." ”

"Which bank?"

"It's the outlet in the eastern part of the city, there is a long queue at the door, all waiting to withdraw money, I heard that their governor ran away, saying that the police have gone, if you have money, take it out quickly. ”

When Gu Tiande heard this, he even got dressed and came to the Chengdong Branch. However, now he had no face to return to the Chengdong Branch, so he climbed onto the roof of a three-story building opposite, looking at the opposite side from a distance.

I've been working here for three years, and now it's time to say goodbye.

He lit a cigarette and looked downstairs, Wang Chong was leading the staff of the Chengdong branch to explain to the masses, not far away, Lin Tianhua was holding a phone and was directing something remotely.

He suddenly felt as if he had become a superfluous person.

The cold wind blew, the outside temperature reached minus seven or eight degrees, he couldn't feel the cold, to be precise, he was no longer conscious, just lit cigarettes one after another.

Not long after, a pile of cigarette butts accumulated on the ground.

At noon, some staff began to distribute hot water, instant noodles and food to the people in line, and the crowd began to disperse gradually, but there were still dozens of people queuing up in the cold wind, and an old lady held a store in her hand, crying and shouting, "This 60,000 yuan, but my coffin book, you must not lose it for me!"

When Wang Chong heard this, he hurriedly let the old lady into the hall, and after a while, the old lady walked out with a money bag and satisfaction, "It's all taken out, it's all taken out." ”

Gu Tiande suddenly thought, perhaps, Wang Chong is more suitable to be the president of this branch than me.

By about three o'clock in the afternoon, the crowd began to disperse gradually, and only a few people remained. Half an hour later, the business hall was empty, and the Chengdong branch resumed business order. Lin Tianhua explained a few words, and then led everyone back to the industry for a meeting.

Gu Tiande snuffed out the last cigarette, turned on his mobile phone, and sent a text message to his wife Pang Le, "Lele, I have signed the divorce agreement, arrange for someone to send it to you, in the storage room of Longhu Residence, there is a safe, the password is your birthday, and there are two million cash left for you and your children, rest assured, these are my salaries and bonuses, and they should be regarded as compensation for you and your children." ”

At half past four in the afternoon, Gu Tiande walked into the Economic Investigation Department of the Donghua City Public Security Bureau, and the police officer asked, "May I ask sir, what business do you want to handle?"

Gu Tiande said: "I want to turn myself in." ”