"Chen Sheng, a friend of the Independent Commission Against Corruption told me that Hisense Bank intends to give them a little benefit, let them turn a blind eye and investigate this matter later, but the expression is very vague and there is no way to pursue it." After Li Haonan got the news, he immediately found Chen Zhiwen to report.

"It's smarter,I don't want to be able to get out,I just want to postpone,It's the only chance for Hisense at present,Although it's not likely to be able to turn over。 Chen Zhiwen smiled and said, over the years, Chen Zhiwen's group in Hong Kong has no less influence than HSBC and Jardine Matheson, and naturally there are many friends in the Z industry, and the Independent Commission Against Corruption is the same, but there are no illegal transactions, just the United States' tax payment and employment are enough for the Hong Kong Governor's Government to give them three points.

"The ICAC has rejected them, and they have now been stationed in Hisense Bank for investigation, but because of many transactions involving overseas banks, the Hong Kong government still needs to apply to overseas banks, and this process may take a while." Li Haonan said.

"Then we won't wait, there's no need to wait so long." Chen Zhiwen paused and said, "How is the run on Hisense Bank now?" ”

"Hisense's more than 40 branches in Hong Kong are already withdrawing money,The same is true for the two in Macau,But at present,It is estimated that tens of millions of Hong Kong dollars are taken away every day,It's not very serious,Hisense seems to be able to withstand it,Plus Hisense's senior management has not admitted to concealing bad debts several times,And the Hong Kong government because there is not enough evidence,It will not send out news at will。 Li Haonan said.

"Then it seems,We have to push it again,You check which of Hisense's current bank customers,Let's give them a little benefit,Let them go to the bank to withdraw money on a large scale,If there is an interest loss,We will compensate for this piece,It must cause a run in a short time。 Chen Zhiwen thought for a while and said.

After all, it is the third largest local bank in Hong Kong, and it has a history of 30 years, and its popularity in Hong Kong is also very large.

The original historical collapse was due to the fact that the losses were already much greater than they are now, and the official announcement of Hong Kong led to the major run.

The run, in the absence of other big news stimulus, will either get worse and collapse at a tipping point, or depositors will stop withdrawing money when they see that there is nothing wrong with the bank, and it will eventually subside.

Although Chen Zhiwen knows that Hisense Bank has bad debts of more than 60 million US dollars, but relying on the Hong Kong government department to investigate in accordance with the process, I don't know if it will have to wait until the Year of the Monkey and the month of the horse, an example that can be referred to, is the Jianing Group, which was investigated next year in the original history, tossed for a year or two before convicting a bunch of high-level executives in Jianing, and it was only a small part of their crimes, and the others could not find evidence at all, and it was not okay to know that there was a problem.

Chen Zhiwen is not willing to wait so long, for him, the bank has an important role in the subsequent real estate crisis.

Li Haonan nodded and said: "Okay, this is no problem, and it doesn't need a lot of funds, as long as these people withdraw hundreds of millions, then Hisense Bank will collapse immediately." ”

Hisense's deposit is12 billion,It is estimated that it can be used by itself2 billion or so,Once a few hundred million are withdrawn,The funds immediately shrank,The Financial Authority is currently staring at Hisense,It will definitely ask them to replenish immediately,Plus the appropriate media campaign,It is easy to attract more depositors to withdraw money,Especially those who have just been saved for a long time,Anyway, there is not much interest,It must be more reassuring to take it out,Only those stored for a long time,It is more entangled。

In addition to deposits,Banks in Hong Kong are generally involved in investment,These investors are estimated to be the same,Money withdrawn,I can invest or find other banks by myself,Why put it in the risky Hisense?

All the problems are the problems of confidence, and once the confidence of the society is low, the banks will collapse immediately.

And the cost they have to pay is not high,As long as you find some of the big customers of Hisense Bank,Compensate them for the loss of interest,And it will definitely give priority to those who have not been deposited for a long time,Anyway, Hisense Bank is so big,There must be a lot of such depositors。

In the past year, the Hong Kong real estate market has fallen, but many people have gone to save money because they have no place to invest, which has led to a decline in bank interest, that is, it may only need to spend 20 or 30 million yuan to leverage 1 billion level deposits, and so many deposits.

"Then do it, I want to take Hisense in the shortest possible time." Chen Zhiwen nodded and said.

A few days later, Hisense Bank, Admiralty Branch:

Inside the bank, many depositors are queuing up to withdraw money, and the service staff is also politely serving tea, and at the same time persuading customers who have not yet withdrawn money to seriously consider and explain the gains and losses of withdrawals.

This is the task assigned by the previous above, to win back customers with the best service, the air conditioning in the bank can be turned on to the coolest, and each branch has specially prepared tea, drinks, and sweets for customers to enjoy.

I don't know if it's because the service of these branches is good, or because the leaders above have publicized it in the media, these days, there are fewer and fewer people who come to withdraw money, and among the people who come to withdraw money every day, there are more and more customers who are persuaded to give up, as long as there are no other accidents, then it is unlikely that there will be any run.

Suddenly, a Rolls-Royce stopped at the door of the bank, which was obviously illegal parking, but the security guard outside the bank hesitated for a moment, or did not come forward, he didn't dare, the owner of this kind of car, not that he could offend, if he got angry, the bank would not offend a big customer for a security guard.

The driver of the Rolls-Royce got out of the car immediately after parking the car, and then walked to the rear to open the door, and a man about 50 years old walked out of the car, with a thin body, but full of energy.

The movement outside naturally alarmed the account manager in the bank, and she immediately walked out and said with a smile: "Zhao Sheng, hello." ”

The person who came is a relatively well-known real estate developer in Admiralty, has developed several real estate projects in Admiralty, and has a lot of properties in hand, and there are dozens of frontage properties on the more famous Justice Road in Admiralty District, known as Zhao Style Street, although there is still a big gap compared with those well-known real estate developers, but it can also be used as a local tyrant, it is said that this person has a certain relationship with Hutchison, and once took over a few small businesses of Hutchison a few years ago, and made a fortune by relying on this.

"Hmm." Zhao Chengwei nodded, then walked into the bank and said to the unknown account manager next to him: "I'm here to withdraw money." ”

"Withdraw money?" The account manager was stunned for a moment, and then asked with a smile: "Does Zhao Sheng have any big business?" Our bank can also transfer money or provide cheques for you? ”

"What? I withdraw my money, do I need to report the purpose to you? Zhao Chengwei said coldly, if it is a few senior executives or shareholders of Hisense Bank, then he will give a little face, but a customer manager, is not qualified to talk to him, how to say that he is also worth hundreds of millions, although in Hong Kong is not a rich level, but it is not the turn to waste time with an ordinary person.

"No, no, I don't know how much Zhao Sheng needs to take?" The account manager immediately replied politely, Zhao Chengwei just said a loud voice, plus the arrival of the owner of Rolls-Royce, everyone in the bank quieted down and paid attention to this side, basically everyone in the bank heard it, and now Hisense Bank is on the cusp, he doesn't dare to say anything, otherwise he will be in the news by unscrupulous reporters, he doesn't know how the bank is, he will definitely be fired at any time.

"This is my 5 accounts in Hisense,There are a total of 30 million funds in it,Some of them are deposits,I don't want interest,I'm going to take it all out today。 Zhao Chengwei moved his hand, and the person behind him immediately handed over all the deposit receipts and materials.

"30 million?" Not only was the account manager taken aback, but the depositors on the other scene were the same, originally they were still struggling with whether to withdraw money, as soon as they heard this number, they immediately made up their minds, what are you kidding, this person took 30 million, then they can still have money?

The president of the bank had just come down at the moment, and when he heard this number, he almost fainted, and when he was in the upstairs office, he knew that a Rolls-Royce was coming down below, and he was about to come down immediately to prepare to personally invite the guests to the VIP room, but he did not expect it to be like this.

So, without waiting for the others to react, he immediately stepped forward and said, "Zhao Sheng, there are many people here, what is the matter, let's talk about it alone upstairs, how about it?" ”

"Okay." Zhao Chengwei nodded, he knew that there was a reporter here today, and what he just said had already been spread, so it was natural to achieve the first goal.

In the surprised and hesitant eyes of everyone, Zhao Chengwei went up to the second floor, and in the hall, everyone immediately made up their minds to take out the money first.

The president of the Admiralty branch of Hisense Bank is called Qian Lijiang, and after taking Zhao Chengwei upstairs, he said: "Zhao Sheng, I don't know why you need to take out so many funds, according to the bank agreement, the funds you lost here are as high as one million." ”

"Losing one million is better than losing 30 million, right, don't you know the reason?" Zhao Chengwei didn't bother to talk nonsense, and said directly.

"Zhao Sheng, rumors in the alley, not enough to believe, our Hisense Bank has been based in Hong Kong for 30 years, with a scale of tens of billions, how can we make such a low-level mistake." Qian Lijiang said immediately.

"Do you think I'm one of those minions down there? Whether your bank did that thing or not, I naturally have my channel sources, although there is no evidence, but there is no wind and no waves, you don't have to ask too much, how to say that the deposit in the bank is my money, I can withdraw it if I want, and you don't have to waste time. Zhao Chengwei said bluntly.

"However, 30 million Hong Kong dollars, this is also a lot of money, so much cash, it will take us a long time to transfer, even HSBC, it is impossible to come up with so much in a short period of time." Qian Lijiang found another reason to delay.

"That's right, I'm also reasonable, if cash can't work, then transfer the money and directly earn the funds to my account in HSBC, so it should be done in the afternoon, right?" Zhao Chengwei said lightly.

"With such a large amount of money, our branch can't get it, so we still need to apply to the head office." Qian Lijiang said with some embarrassment,Whether it's cash or transfer,Hisense is unwilling,Their liquid capital is limited,Gone all at once30 million,You can't jump up,But fortunately, I persuaded the other party to use the transfer,Otherwise,So much cash is taken away,Once photographed by reporters,It must not be popular again。

"Then apply,I was at the Bank of East Asia before,There was a transfer of 10 million,I only waited for a day,Your Hisense has always claimed to be larger than East Asia,Then I'll give you two days,This should be enough, right?" Zhao Chengwei said.

"Okay, then I'll apply to the headquarters immediately." Qian Lijiang can only agree, he can't refuse, otherwise not only Zhao Chengwei will be in a hurry, once he tells the people in his circle, it will immediately cause panic in the rich circle, when the time comes, there is no need for ordinary people to run, Hisense can't bear it, a rich man takes away millions, come a dozen, Hisense can't eat and go.

"Okay, I'll come back in two days." Zhao Chengwei nodded and said, "Then I'll go first." ”

"Then I'll send you." Qian Lijiang hurriedly got up and sent the other party away, and then returned to the office, looked at the phone in front of him, and thought about how to report this matter to the leaders of the headquarters.

The female secretary didn't know the situation, so she came over and said, "Qian Sheng, there are many people downstairs who withdraw money, and they can't be persuaded at all." ”

"Do we have enough cash?" Qian Lijiang asked.

"Curry still has more than 3 million in cash, and if it goes on like this, two or three days will not be enough, and I don't know what the situation will be tomorrow." The female secretary said worriedly.

"I know, you go down first, I'm going to call the headquarters first, and we'll go together later." Qian Lijiang said.

"Okay." After the secretary finished speaking, he left, and Qian Lijiang then dialed the phone.

Hisense Bank Headquarters:

Xie Hongbing took the phone, and in less than a minute, he immediately shouted, "What? Do you have people who take so much money? ”

Qian Lijiang, who was on the other side of the phone, immediately asked, "What do you mean?" This is also the case elsewhere? ”

Xie Hongbing said: "Yes, there are many rich people in Kowloon, Yuen Long, and Tsim Sha Tsui who ask for withdrawals, as little as a few million, as much as 20 million, and you are the most I know at present, and at present, these few people have more than 100 million withdrawal requirements." ”

"100 million?" Qian Lijiang suddenly felt that this matter did not seem to be so simple.

(End of chapter)