Although that's what he said, Niu Jinxing's heart feels like he's dripping blood, how much the is this believing? I have worked hard to make wedding dresses for others, my emperor! Let's not be so generous, okay? If you really want to successfully annex the Bank of Jiangsu and Zhejiang, then who dares to speculate in the face of natural and man-made disasters again, one dies and the other dies, what a threat this is! Such a good opportunity was given up in vain.

After listening to Niu Jinxing's high-profile speech, Yang Lian, who didn't know what was going on in his heart, was excited, and hurriedly expressed his respect to Niu Jinxing for the lofty ideological realm of the Daming Royal Foundation, but he still felt that without Niu Jinxing's participation in the reorganization, I am afraid that things would not be simply successful.

Yang Lian said: "Shopkeeper Niu, if you look at the restructuring of Jiangsu and Zhejiang Bank this time, how likely is it to succeed, will it fail in the end because it cannot reach an agreement, and finally go bankrupt." ”

Niu Jinxing said: "The possibility of failure in the restructuring of Jiangsu and Zhejiang Bank is very small, or there is no possibility of failure, after all, the operating conditions of Jiangsu and Zhejiang Bank are still relatively good, and the profits have always been amazing." If it weren't for the emperor's mind about the suffering of the common people and avoiding large-scale social turmoil, they would have succeeded this time, and then obtained windfall profits higher than the general business operations, but in this way, the entire Ming society will cause countless times more than their profit losses, which is a pit for the majority, fat a minority, with the help of natural disasters and man-made disasters, the behavior of making a fortune and making a fortune, as the emperor of a country, Naturally, we can't sit idly by, which is the main reason for the loss of Jiangsu and Zhejiang Bank. Today, the emperor supports the development of agriculture and industry, hoping that the family will be rich, everyone will be happy, and all people can have a full meal, but no one will be allowed to make a fortune in the country, damage the public and private, and harm the common people. ”

If he knew that the Daming Royal Trading Company not only did not lose money in this grain turmoil, but also made a lot of money, Yang Lian would not have been full of respect for Niu Jinxing's high profile, but Yang Lian didn't know it now, so he believed Niu Jin Xing's high profile.

Niu Jinxing through the run, a large amount of grain at a price lower than the market two percent, and then transported to the vast northern area, still sold at the usual price, although the price difference is not large, but the advantage is huge, and it is also an exclusive operation, other northern grain merchants are now limited in scale, can not compete with Niu Jinxing.

In addition, the shareholders of Jiangsu and Zhejiang Bank got the idea of reorganizing Jiangsu and Zhejiang Bank from Yang Lian, and they began to carry out business operations after they returned. Take stock of the risk degree of the loans that are now released, divide the credit rating, evaluate each loan user, and then either auction or bankruptcy, re-evaluate the value of Jiangsu and Zhejiang banks, prepare for the next negotiations, and strive to obtain better results and minimize losses.

First of all, all the merchants who participated in the hoarding of grain this time will definitely go bankrupt, and the amount of property they can keep depends on the scale of their own hoarding. Grain merchants like the big boss Qian and the Zhang Fu family will go bankrupt 100 percent, and all their movable and immovable property will be auctioned off, except for grain, which is used to pay off debts.

The second is those usurious merchants, whose huge deposits will be seized, and the high-interest loans they lend to grain merchants will be frozen, and the ordinary people who raise funds from them can only get the principal, and the high interest they receive will be deducted.

In addition, the assets of the shareholders of the restructured branches are repaid at low prices, and all the small depositors who deposit in these branches will be compensated normally, and the illegal high-interest deposits will be distributed according to the value of the remaining assets, and in fact they will be pitted again, and the money will be used to supplement the principal of the Jiangsu and Zhejiang banks, which can raise the reserve price during the negotiation.

Through the formulation of several systems, the assets of the Bank of Jiangsu and Zhejiang were evaluated again, and the major shareholders of the Bank of Jiangsu and Zhejiang found that the losses could be reduced a lot, and if the negotiations with other commercial banks were successful, they could completely save themselves, and they would see how much they were willing to pay.

After reviewing their own family background, the shareholders' meeting of Jiangsu and Zhejiang Bank submitted a report to the central bank on the application for restructuring of Jiangsu and Zhejiang Bank, in which the bank made a detailed explanation of its bank's assets, liabilities, working capital, current liabilities, profits and losses, current status and other information, and submitted the restructuring plan to the central bank.

Looking at this somewhat self-deceptive restructuring report, Yang Lian couldn't laugh or cry, there is too much false information in it, and the amount of money that caused this serious loss has not been clearly shown, it seems that these people still don't see the coffin and don't shed tears, and they complain that Niu Jinxing didn't mention participating in the restructuring of Jiangsu and Zhejiang Bank at all, these businessmen are a little too smart, and they are kind enough to provide them with ideas, but they are used to playing tricks, it seems that people's greed is really bottomless.

Without any hesitation, Yang Lian directly returned the report on the application for restructuring of Jiangsu and Zhejiang Bank intact, without making any comments on it, but just said to the person who submitted the application: "It seems that you can completely solve the current financial problem by yourself, and there is no need to reorganize." ”

The shareholders who thought that they had the initiative to restructure Jiangsu and Zhejiang Bank were preparing a restructuring plan, intending to take the opportunity to graft their losses onto those stupid creditors, but they did not expect Yang Lian to directly reject their application report.

In their thoughts, since Yang Lian put forward the idea of letting them reorganize, it means that Yang Lian in order to avoid the bankruptcy of Jiangsu and Zhejiang Bank and the central bank to suffer losses, and then affect the reputation of the entire banking system, then Yang Lian will not be too serious on this issue, maybe let them do a good thing and pass, I didn't expect Yang Lian to be such a direct let them not have to reorganize the reply, how to operate without reorganization, the trend of the run is in the limelight, and if the run continues, bankruptcy will become an inevitable outcome. But what exactly does Yang Lian mean?

Finally, someone who understood saw the problem and made a suggestion to the major shareholders of the board of directors: "Is it that our report is a little too false, and the information that comes out of it first indicates that we are not too difficult, just that because of the difficulties in capital turnover caused by this food turmoil, we hope to get more cash to cope with temporary difficulties, as if it is not the meaning of restructuring, but boasting that we are operating very well, but we have encountered temporary difficulties, and if we have the right amount of funds, we will become stronger." ”

Hearing this discordant voice, the shareholders felt that it was a bit excessive, but if they didn't fill in the report like this, would they have to disclose the information that Jiangsu and Zhejiang Bank had become insolvent? What's the point of reorganization? If the shareholders were to fill such a big hole on their own, this guy would be bleeding profusely.

But if this continues, the restructuring plan will not be approved by the central bank, and the restructuring information will not be publicized in the newspapers, then the run will become more and more serious day by day, and the losses will be bigger and bigger. This is a very serious matter, and no one wants to watch their pockets go down day by day, what should I do?

So in the case of everyone's worry, one shareholder once again had an idea, although the central bank has not agreed to our report, we have not announced our own restructuring plan, but if we send this report directly from the newspaper, or do not want us to come forward, and let those reporters who are not in the sky disclose this information, then we have no responsibility. If a bank contacts us soon, we can re-disclose this information, and things may be in a good place.

In order to avoid risks as much as possible, he did not dare to release the situation of this report, but only revealed the information that Jiangsu and Zhejiang Bank had submitted a restructuring report to the central bank, and did not say that the report must be approved by the central bank before it could be implemented.