"I mean, does this Ye Wenqing really have the ability to bankrupt a bank?"

With a gust of breeze, Bai Chengen sat on a chair, looked at Jiang Yang and asked.

Jiang Yang put down his chopsticks, picked up the beer and took a sip.

"Although bank bankruptcy is a rare occurrence, it is not uncommon, and there is no fuss."

Bai Chengen said: "This is a bank!" ”

Jiang Yang smiled: "I know it's a bank, isn't it a bank?" ”

"What's wrong with the bank, it's no different from the company."

Jiang Yang picked up a tissue and wiped his mouth: "Ordinary people save money in it, they use the money to invest and lend, and then use the money to do money-related business. ”

"Otherwise, how do you think the interest will come from?" ????????????????

Jiang Yang threw the tissue in the trash, looked at Bai Chengen and said: "For example, if the people deposit a total of 10 yuan to the bank, and the bank takes 10 yuan and takes out the loan, and suddenly one day the people want to take out the money, and the bank can't take it out, what should I do?" ”

Bai Chengen hissed and leaned back in his chair: "That's right, the bank won't be so stupid and lend all the deposits at once, right?" It's impossible for ordinary people to take out all their money at once, right? ”

Jiang Yang nodded and picked up the beer: "So the chance of bank failure is very small, they are all risk-controlled." But at the end of the day, it depends on which bank it is and how big it is. ”

Source change app】

Bai Chengen picked up the beer and clinked glasses, thought for a while, and said: "Huazhou Bank is quite famous in our Hua Province, and the interest rate is quite high. ”

"So what."

Jiang Yang took a sip of beer and said, "Huazhou Bank is famous in China Province, but to put it bluntly, it is just a small local bank. For example, most of the predecessors of small and medium-sized banks like this were local rural credit cooperatives. They are operated by some local rich masters, and the management is chaotic, and there is a lot of room for illegal operations. The shareholders are also composed of some bosses and natural persons, and they do not have much financial strength in themselves.

"In the face of this leveraged financial industry, their net worth is not enough to plug the gap between the teeth of risk."

Jiang Yang sneered and leaned back in his chair: "Once there is a problem with the loan they give out, the bank's capital turnover will be hindered. Especially the sudden withdrawal of a huge amount of deposits like Ye Wenqing is no different from a catastrophe for a bank of the level of Huazhou Bank. ”

Bai Chengen sighed: "No wonder the president of the Huazhou branch kept scolding me and Lao Xu, wanting us to keep the money there, and co-authoring to use our money to do business!" ”

"Or what do you think?"

Jiang Yang said with a smile: "Isn't the bank just a bowl of rice to eat, just using money to make money." Otherwise, do you think that people are engaged in charity and use it as a free safe for you? ”

Bai Chengen frowned: "But...... Huazhou Bank has a lot of users in China Province, which is related to local people's livelihood issues. Once this bank goes bankrupt, what will happen to the people's deposits? ”

Jiang Yang lit a flue: "If the bank goes bankrupt, someone will take over, such as our four major banks, which is the guarantee of Huaxia's financial foundation and the last guarantee of the people." After a small bank goes bankrupt, it will carry out asset appraisal and restructuring, and as for how much money can be repaid to the depositors, it depends on the final restructuring result of the bankrupt bank. ”

"That's right...... It seems that bank bankruptcy is the same concept as corporate bankruptcy. ”

???????????????? Bai Chengen thought for a while, and suddenly smiled: "In this way, does the loan owed not have to be repaid, or can it be repaid at a discount?" ”

"Think too much about you."

Jiang Yang was amused by Bai Chengen: "After the bank goes bankrupt, I don't know how much of your savings you can get back in the end, but the loan you owe must be recovered by someone instead, and you won't be able to eat a penny less." ”

"-."

Bai Chengen scolded: "Rich people are good, even banks are afraid." ”

"Before, I thought that our brothers would be rich, but today it is really an eye-opener."

Bai Chengen took a sip of beer and wiped his mouth: "Someone is angry and directly scraps a bank!" ”

Jiang Yang smiled and didn't speak, the expression on his face gradually became serious, and he looked at the lake without saying a word.

"Brother."

Bai Chengen said: "But then again......"

"Huazhou Bank is a small and medium-sized bank, but after all, it is also a bank, and if it says that it will go bankrupt, it will go bankrupt, and the local losses in Huazhou will be very large, can Fang Wenzhou and them not care, won't the superior level intervene......

Jiang Yang looked at the lake and said, "Then I don't know." ”

"It just so happens that we also take the opportunity to see how deep the water of the Ye family is......"

……

July 10, 2002, 9 a.m., in an office in Huazhou City.

Fang Wenzhou stood in front of the desk, gently put down the landline earpiece, and his face was serious.

The person who just spoke to him was a man named Han Zhen. Huazhou Bank took root in Huazhou Province, and it has a deep-rooted influence in Huazhou.

Many of the people's deposits, the circulation accounts of some enterprises, including the loans in the Huazhou real estate industry and other fields, are all involved with Huazhou Bank.

If something goes wrong with Huazhou Bank, it is almost impossible to say that it will have no impact on the economic development of Huazhou City.

For this reason, Wen Zhou is very concerned about this matter.

He was not concerned about the bank, but about the fact that it was too deep.

Especially the people of Huazhou, as well as the depositors who keep their money in Huazhou Bank.

For this reason, Fang Wenzhou told Han Zhen about the seriousness of the problem.

As the mayor of Huazhou City, Fang Wenzhou first put the interests of the people of Huazhou on the front line.

He discussed with Han Zhen whether he could not leave this huge amount of money for the time being and give Huazhou Bank some time.

Han Zhen's answer was this: "The people of Huazhou are the people, and Mr. Ye is also the people. The interests of the people of Huazhou are interests, and isn't Mr. Ye's legitimate rights and interests rights and interests? ”

Fang Wenzhou said: "Looking at the situation of the whole Huazhou, please tell Mr. Ye whether you can focus on the overall situation." ”

Han Zhen sneered: "The big picture? Mr. Ye said that it is your job to be the master of the people's house, but it is not Mr. Ye's job. The overall situation is something you should consider, not Mr. Ye should consider. We are just ordinary ordinary people, and we are all ordinary people. ”

"Save money, withdraw money, it's that simple."

Han Zhen said: "Why, the interests of the people of Huazhou are important, but the interests of the people of other places are not important?" For the sake of the interests of the people of Huazhou, can you wronged Mr. Ye alone? What kind of logic is this? ”

"Mayor Fang, in your opinion, if you can save the majority of people, you can sacrifice a small number of people, is that what you mean?"

Han Zhen spoke calmly, his voice was not loud, but every sentence hit Fang Wenzhou's heart heavily.

"Not really, and since that's the case, then I can't say more."

Fang Wenzhou took the phone and sighed softly.

"Okay."

Han Zhen's voice came from the other end of the phone again: "Excuse me, can I withdraw this money?" ”