Chapter 090: Run Storm (2)
In the capital, the rumors about the deficit of the Daming Royal Bank are becoming more and more outrageous, and there are those who say that the emperor wants to build more than a dozen palaces, and there are also some wine ponds and meat forests.
This kind of rumor of Jiuchi Meat Forest is simply brainless. With the example of the king of Shang, which emperor would be stupid to engage in a wine pool meat forest. If you want to enjoy it, you will find other items! Why do you have to drink the pond meat forest?
But some people believed the rumors that this could even lower their IQ, and they ran to the Royal Bank in a panic.
There were so many people running on the money that the queue was already blocking the streets, and the bank staff were still unhurried to withdraw money from the people who came to run on the money.
From 8 a.m. to 9 a.m., the number of people outside the bank has not decreased. Such mass activities are really rare, but the time has come for the bank to proof, and the people who have not withdrawn the money can only come again tomorrow. During the proofing, there was some commotion in the crowd, but the soldiers of the Beijing camp maintained order very well at the scene. They held their spears in front of them, keeping the crowd out.
The run on the first day ended with the bank proofing. Those who got the money on the first day sighed that they were lucky. And those who didn't get the money are still scared at this time. In particular, those who got the money urged them to take it out quickly.
These depositors, who have withdrawn their money in advance, have already lost interest at this time. They naturally want others to be like them, some out of good intentions, some out of crooked intentions, and so on.
The next day, the run continued. Some ordinary people even waited in line overnight outside the bank, ignoring the curfew. Due to special reasons, the Beijing camp arranged for several soldiers to watch from the sidelines.
At 8 o'clock the next day, the banks opened as usual.
Truckloads of silver were brought into the branches, but this phenomenon did not give depositors much confidence. Because those depositors with large deposits need to make an appointment for three days, and those small depositors think that after three days, the money will definitely be gone.
And those depositors who have large deposits, looking at the silver that has been transported in, are also scared to death, will there be any silver left after three days?
On the second day, there were more depositors who came to the run than on the first day, and many depositors who did not react on the first day, or depositors who were far away, dared to come at this time and joined the run.
There are still too many people, and the next day, those depositors who make small deposits can only withdraw about one-tenth of the silver, mainly bank staff, and the business hours are so long.
The next night, outside the branches of the banks, there were already a large number of people in the dark, and it happened that it was not cold at night, so they brought some blankets and slept at the door of the bank. Whoever dares to cut in line will immediately cause a burst of angry scolding. Fortunately, there is a Beijing camp on the scene to maintain order, otherwise there may be a fight.
This continued until the fourth day, when the big depositors who had made appointments went to the bank to withdraw their money. As a result, what these wealthy businessmen and magnates never expected was that the bank actually had silver, and it was truckloads of silver dollars to be shipped out.
They didn't even know when the silver had arrived.
In fact, each branch of Daming Royal Bank has a special channel for the back door. All this silver was brought in through the back door at night, and others were bluffing to deal with the run, but Daming Royal Bank was low-key and low-key.
As a result, in three days, the landlords, wealthy businessmen, and powerful people who came to make an appointment to withdraw money were all trapped. Faced with the fact that there is no shortage of silver in the bank, these people were quite happy at the beginning, who is not happy to be able to get the silver back!
But soon, they were not happy.
The silver of the Royal Bank was carried out one by one, and it seemed that there was no bottom at all. As a result, some depositors with small deposits have begun to waver, and a small number of them have turned around and left. And those depositors who have large deposits are still constantly transporting money.
These large depositors don't need to queue up, after all, they have already made an appointment and found enough people to carry the silver.
But on the fifth day, after the depositors who had made appointments on the second day of the run also received their money, people finally became uneasy.
"Excuse me, can I withhold this silver?" A businessman came to the VIP room and asked.
"Yes! We can re-store it for you. The branch manager replied. The merchant explained, "I mean, I don't withdraw the fifty thousand taels of silver I deposited in your bank in advance. ”
"When you come to make an appointment, our bank has already settled, so your interest has been cleared to zero." The shopkeeper replied.
"But I don't want to take it now!" Wealthy businessmen are a little anxious, it stands to reason that the banks are facing a run, and at this time they will try their best to keep the funds, and the matter of interest should be negotiable.
"Guest officer, you come to make an appointment, our bank must withdraw funds and escort the silver over, these are all costly. Do you think that's the reason? If everyone withdraws money in advance, then we don't have to do business in our bank. The shopkeeper said.
The shopkeeper's attitude is so resolute, it can be seen that the funds of the Royal Bank are very sufficient, and he is not afraid of their run at all. It's normal to think about it carefully, what kind of person is the emperor! If the banks have no money, will the treasury still run out of money?
The rich merchant suddenly had a bitter gourd face, and said a little angrily: "Okay! Then I'll take the silver away first. ”
Although he knew that the bank was not short of silver, the rich merchant did not want the Royal Bank to use his silver. Of course, I will continue to deposit it in the future, but now that the interest is gone, it is always safer to take it out.
Other large depositors thought the same way, and even though they realized that something was wrong, they still took out their money.
Finally, at noon on this day, the Royal Bank posted a notice to refute the rumors in all branches, refuting all kinds of false rumors, and at the same time disclosing the surplus of the internal treasury and some of the accounts of the Royal Bank.
This long notice had only just been posted, and everyone was shocked for a long time when it was read aloud by some literate people, and then they accepted the fact that they had been misled by the rumors, and many depositors at the scene beat their chests one by one.