Accident or death always comes to you quietly, lurking, waiting to attack, and by the time you find it, there is nothing you can do.
For Henglong, they never thought that things would happen so suddenly.
What happened to Xie Liyuan Gold Shop would actually cause them such harm.
Just this afternoon, a person who lives in Yuen Long came to the branch of Hang Lung Bank in Yuen Long and wanted to redeem his gold certificate from Xie Liyuan Gold Shop at Hang Lung Bank!
As a result, Xie Liyuan Gold Shop's account had no money at this time, so it was naturally impossible for the Hang Lung Bank counter staff to exchange gold coupons for the other party!
This is a matter that is understandable. In fact, even if this matter stung Zhuang Rongkun, who was struggling with this matter, he would not agree to the other party withdrawing money.
This is a problem between you and Xie Liyuan Gold Shop. We, Hang Lung Bank, are just a middleman who makes a little profit from the price difference. If any responsibility arises, we will naturally find the manufacturer!
But it was just such an incident that put Henglong into an impossible situation.
Consumers, or the general public, are actually an unreasonable group, which is why some people or a large portion of people on the Internet are always easily swayed by other people's ideas.
You think everyone should have the ability to think independently and distinguish right from wrong, but in fact most people prefer to vote with their feet.
It’s too hard to use your brain!
The current situation is a cover-up. The person in Yuen Long who did not exchange gold coupons for cash at Hang Lung Bank went back and told the people around him about this matter, and a group incident soon formed!
When depositors of Hang Lung Bank in Yuen Long, Sheung Shui, Fanling and Tuen Mun heard about this kind of thing, they would not think that it was actually Xie Liyuan Gold Shop who had no money in his exclusive account at Hang Lung Bank. Instead, they would think Hang Lung Bank is a good bank in Hong Kong, but it can't even withdraw this little money?
Coupled with the help of thoughtful people, under such circumstances, the depositors of Hang Lung Bank immediately felt panic in their hearts.
Then I started running to Hang Lung Bank to withdraw money.
But when one person, two people, or even a dozen people go to the bank to withdraw money, it will not cause any loss to the bank. But when those who are still waiting and watching see others going to withdraw money, Then there is a new worry, that is, whether these people will withdraw all the money in the bank. In this case, wouldn't they be unable to withdraw cash?
Once the panic mentality is formed, it is impossible to suppress it!
As a result, hundreds of depositors began to go to Hang Lung Bank to withdraw money.
Such a vicious cycle has directly led to overcrowding at Hang Lung Bank branches in these places.
"This is not the scariest thing. Now the news has spread to Kowloon and Hong Kong Island. If Hang Lung Bank cannot come up with targeted policies, a run on Hang Lung Bank is inevitable!"
Although Xu Yi was talking about a scary thing, in fact, the smile on Xu Yi's face at this time could no longer be stopped.
As Chu Huan's most trusted person in Jiaku, and also the specific executor of Chu Huan's series of plans, Xu Yi naturally knows how much Chu Huan has to do in this month!
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Let’s talk about the first step first!
First, use gold coupons to destroy Xie Liyuan Gold Shop. If everything goes well, Empire Fashion Group will complete the acquisition of Xie Liyuan Gold Shop in this incident and enter the jewelry industry.
Now that Xie Liyuan Gold Shop's collapse has been seen by discerning people, it is only a matter of time.
Secondly, the incident of Xie Liyuan Gold Shop was used as a trigger to trigger a wave of runs on small and medium-sized banks in Hong Kong. When they could not bear it, Jiaku Bank would appear at this time, and then Jiaku Bank would be able to complete a wave of bankruptcies. The acquisition of small and medium-sized banks in Xiangjiang further expanded the basic base of Jiaku Bank.
Now, Hang Lung Bank has begun to show signs of a run on banks due to the Xie Liyuan Gold Shop incident.
"Boss, can we ask Shengbao to increase its coverage of Hang Lung Bank?"
Xu Yi asked Chu Huan hopefully.
Chu Huan naturally has no objection to this. After planning for such a long time, this is what he is doing now. Although there are signs of a run on Hang Lung Bank, if he wants to do this, Zhuang Rongkun of Hang Lung Bank will obediently transfer Hang Lung Bank to him. It’s not enough for the bank to sell to Jiaku Bank!
So the fire needs to burn even brighter!
And, "Victory Report" is just the spoonful of oil poured on this fire!
So Chu Huan's first complete plan is to bring chaos to the entire banking industry in Hong Kong.
The banking industry is the support for the development of various industries in Hong Kong. As long as the banking industry is in chaos, all industries will be in chaos. Especially the real estate industry, which is very closely related to the banking industry in Hong Kong, will be even more chaotic.
In fact, Hang Lung's situation is already very dangerous without the need for "Win the News" to add fuel to the fire.
By the end of the day, countless Hang Lung Bank depositors had withdrawn nearly HK$70 million in cash from Hang Lung Bank.
Faced with this situation, Zhuang Rongkun and Zhuang Qingquan were really panicked.
"Contact all major branches immediately. I will mobilize 200 million Hong Kong dollars in cash before going to work tomorrow and distribute it to each branch. No bank under Hang Lung Bank will allow depositors to be unable to withdraw money tomorrow!"
Zhuang Rongkun preached to Zhuang Qingquan with a sad face at this time.
Although before this, they had thought about the Xie Liyuan Gold Shop, which might affect the situation of their bank, Zhuang Rongkun and Zhuang Qingquan did not expect that the matter would come like a flood.
But fortunately, Hang Lung Bank's loan-to-deposit ratio is still healthy at this time, but it is only healthy. If this situation is allowed to continue to develop, then it will be really troublesome for Hang Lung Bank.
"In addition, contact Standard Chartered Bank and China Bank immediately and request them for help!"
It is impossible to completely reassure depositors by relying solely on the credibility of Hang Lung Bank. Only if a larger bank takes action can it be possible to appease the nervous mood of Hang Lung Bank's depositors.
This trick is actually a common method used by the Hong Kong banking industry whenever a run wave occurs. When the first run wave occurred in Hong Kong in 1965, Hang Seng Bank found the support of HSBC, which saved them from It was destroyed by the crowding trend.
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The main reason why we sought help from Standard Chartered Bank and China Banking Corporation instead of HSBC was that Standard Chartered Bank is the settlement bank of Hang Lung Bank, and Hang Lung Bank has always had a good relationship with China Banking Corporation.
"Finally, we will contact TVB, Li's TV, and Hong Kong's major media and newspapers. We will hold a press conference early tomorrow morning to clarify our relationship with Xie Liyuan Gold Shop and explain the company's situation."
Zhuang Rongkun's arrangement is actually very reasonable.
As I just said, the loan-to-deposit ratio of Hang Lung Bank is still relatively healthy. Under such circumstances, it is guaranteed that a large amount of cash will be injected into each branch, which can ensure that each branch will not be unable to withdraw money in a short period of time. Case.
At the same time, it increases the confidence of savers.
With the endorsement of Standard Chartered Bank and China Banking Corporation, this confidence is even more abundant.
The final statement is that it has no direct relationship with Xie Liyuan Gold Shop, which can better reduce the panic among savers due to Xie Liyuan Gold Shop!
In another time and space, Hang Lung Bank relied on these three steps to temporarily avoid the crisis of Hang Lung Bank. However, it was a pity that a few years later, as major banks in Hong Kong began to explode, Hang Lung Bank finally became the first to be taken over by the Hong Kong government. Bank of.
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The next day!
Hang Lung Bank Central District Headquarters, the Managing Director of Hang Lung Bank appeared at the press conference.
Hang Lung Bank, as an important banking group in Hong Kong, is now very likely to experience bank runs. This reminded many veteran reporters at the scene of the bank runs in Hong Kong more than ten years ago.
"Please rest assured that our bank does have some business dealings with Xie Liyuan Gold Shop, but this is just a normal commercial business. As for Xie Liyuan Gold Shop's 'Thousands of Gold Accumulation Plan', it is indeed an account opened in our bank. But this is still a normal business transaction. The reason why Yuen Long Branch did not provide cash to the depositor yesterday was because Xie Liyuan Jinpu no longer had cash in our bank account. This does not mean that Hang Lung Bank has no cash. I very much hope that everyone understands that Hang Lung Bank and Xie Liyuan Gold Shop are two completely independent companies."
Where Zhuang Qingquan was sitting, without any nonsense, he started by explaining the relationship between Hang Lung Bank and Xie Liyuan Gold Shop.
This also relieved the reporters at the scene and the audience watching in front of the TV from some worries.
But this is not enough.
Zhuang Qingquan then said: "In addition, just last night we mobilized 200 million Hong Kong dollars in cash and distributed it to various branches before the bank opened this morning to ensure that every depositor of Hang Lung Bank can get what he wants.
cash.
Not only that, in order to cope with this situation, our Hang Lung Bank will continue to allocate cash today. The initial plan is to allocate 700 million Hong Kong dollars in cash and distribute it to the accounts of every Hang Lung Bank branch tomorrow to ensure that Hang Lung Bank
Cash reserves at various branches.”
Hearing what Zhuang Qingquan said, the reporters at the scene and the audience in front of the TV finally breathed a sigh of relief again. Judging from the situation, it seems that Hang Lung Bank really has no problem.
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[Rebirth of Hong Kong’s Most Powerful Tycoon]
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But nothing can make everyone happy.
For example, Xie Zhichao is standing in front of the TV!
After seeing Zhuang Qingquan's speech on TV, Xie Zhichao threw the teacup in his hand to the ground.
"Damn it, damn it, damn it!"
Xie Zhichao has reason to be angry. Zhuang Qingquan's statement can indeed temporarily relieve Hang Lung Bank of their bank run crisis.
But at the same time, it also pushed Xie Liyuan Gold Shop completely into the abyss.
Just saying that there is no cash in Xie Liyuan Gold Shop's account at Hang Lung Bank is enough to make all the gold depositors of Xie Liyuan Gold Shop rush to Xie Liyuan Gold Shop like crazy.
This was equivalent to pushing Xie Liyuan Gold Shop, which was already standing on the edge of a cliff, and behind Xie Liyuan Gold Shop was an abyss!
"Chairman, this is bad!"
At this moment, Lin Jiamin rushed into Xie Zhichao's office and shouted in horror.
"Chairman, the customers outside the door who are waiting to redeem gold coupons have begun to attack the store. In addition, people from other stores have also called. The situation there is similar to ours or even more serious."
Xie Zhichao looked pale. He didn't expect these people to react so quickly.
He sat slumped on the sofa.
"Contact the people at the police station and ask them to maintain order. Also call Guo Guandong from the Imperial Fashion Group to see if they have any other ideas to buy our Xie Liyuan Gold Shop!"
.
"call......."
In the Hong Kong government office building, Peng Lizhi, who succeeded Xia Dingji as Financial Secretary, also breathed a sigh of relief when he saw Zhuang Qingquan's reaction on TV.
Unlike Hong Kong's previous Financial Secretary, Peng Lizhi has no experience in serving in the Hong Kong government. Before taking over from Mr. Xia Dingji, Peng Lizhi was the chairman of the Swire Group.
He has been paying attention to this matter.
The British side has already conveyed information to the Hong Kong government that on the 22nd of this month, Thatcher will officially start a visit to China, and the purpose of this visit is to discuss the future of Hong Kong.
This chapter is not over yet, please click on the next page to continue reading! The British side has seriously informed the Hong Kong government that there must not be any problems with Hong Kong's economy until the two sides meet for formal negotiations.
As a result, at this time, the run on Xie Liyuan Gold Shop and the crisis of Hang Lung Bank broke out. Peng Lizhi didn't care whether Xie Liyuan Gold Shop survived, but Hang Lung Bank couldn't have problems.
If problems arise at Hang Lung Bank at this sensitive moment, a more serious bank run incident is likely to occur, which will be very detrimental to their negotiations.
Now seeing that Zhuang Qingquan has basically solved this problem is indeed enough to make Peng Lizhi breathe a sigh of relief!
Otherwise, the Hong Kong government will intervene in this matter!
.
At the Chinese Bank, Chu Huan and Xu Yi were also sitting in the office watching Zhuang Qingquan's explanation.
The Hong Kong government hopes that there will be no problems with Hang Lung Bank, but Chu Huan does not think so. Now that the fire has been lit, Chu Huan naturally cannot let the fire go out!
Xu Yi glanced at Chu Huan. Although Chu Huan didn't say anything, Xu Yi already understood what Chu Huan meant.
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So Xu Yi stood up, dialed a paging number, and simply left a message with two words: Action!
.
Central District, on-site press conference at Hang Lung Bank Headquarters!
Zhuang Qingquan looked at the reporters in the audience. From their expressions, Zhuang Qingquan could clearly feel that everyone had accepted Hang Lung Bank's explanation.
This made Zhuang Qingquan feel relieved in his heart, thinking that this crisis should be over.
At this moment, a reporter stood up with a voice recorder and asked Zhuang Qingquan.
"General Manager Zhuang, where did the HK$900 million you mentioned...to meet the cash withdrawal requirements of Hang Lung Bank depositors come from?"
When this question was asked, the reporters at the scene burst into laughter. Everyone was thinking that this was a newcomer sent by that newspaper company, and he didn't even know this.
Zhuang Qingquan also smiled and said: "Of course it is the deposit of Hang Lung Bank. Is there any problem with this?"
Where the reporter was standing, he did not look embarrassed because of the laughter of other reporters and Zhuang Qingquan, but continued to preach.
"Our newspaper has accurate information that you, Mr. Zhuang Rongkun, chairman of your bank, and Diners Club Finance, who are both directors, have owed a total of 650 million Hong Kong dollars in loans from 39 financial institutions, including Bank of America. This loan has exceeded As for the asset value of Diners Finance, once any situation occurs in the market, Diners Finance will be insolvent. What I want to ask is, is there a certain gap between the HK$900 million of your bank and Diners Finance? What about contact?
After all, General Manager Zhuang and Chairman Zhuang Rongkun are also directors of Diners Finance?"
boom!!!!!
The reporter's words instantly changed the atmosphere of the entire venue, and the relief on everyone's face was gone.
Especially Zhuang Qingquan, who was sitting on top, looked extremely panicked!
Although the current Hang Lung Bank has temporarily lifted their crisis because of Zhuang Qingquan's statement just now, it is only temporary. It is equivalent to standing on the edge of the cliff before, with half of their feet already hanging in the air. Now they have just stepped forward. step.
Now this reporter's words are equivalent to kicking Henglong, who had just walked off the edge of the cliff, back to the edge of the cliff!
Compared with the relationship between Hang Lung Bank and Xie Liyuan Gold Shop, the financial relationship between Hang Lung Bank and Diners Finance is more complex and intimate.
What's more, Hang Lung Bank's Chairman Zhuang Rongkun and General Manager Zhuang Qingquan are both directors of Diners Finance.
"You, you, who are you? You are talking nonsense. There is no problem with Diners Finance's funds at all, and there are no debts you mentioned..."
Zhuang Qingquan was already a little panicked.
And his panicked look was immediately visible to the audience in front of the TV through the TV screen.
Of course, depositors who have just gained some confidence in Hang Lung Bank cannot sit still at this time.
The reporter smiled and said: "Hello, General Manager Zhuang, I am a reporter from "Shengbao". As for the financial status of Diners Finance, this is naturally internal information from our newspaper. If General Manager Zhuang can ask Diners Finance to come up with other information, For the financial report, our newspaper is willing to publish an apology to everyone as well as Hang Lung Bank and Diners Finance.
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But at the same time, for the benefit of Hang Lung Bank’s depositors, I also ask General Manager Zhuang to urge Diners Finance to produce corresponding financial reports!”
"Victory"?
Is this the troublemaker again?
Today's "Sheng Bao" is no longer an unknown in the Hong Kong newspaper industry. Through its report on the Xie Liyuan Gold Shop incident, this newspaper has gained some fame in Hong Kong.
Even in the eyes of many people, the reason why Xie Liyuan Gold Shop is in this situation is actually because of this "Shengbao"!
Now the "Shengbao" newspaper has set off another fire at this press conference. When the reporters at the scene looked at Zhuang Qingquan again, it was like a criminal who had been imprisoned for several years had just been released and saw a long-legged man. As hot as MM.
Although problems with Hang Lung Bank will definitely bring heavy losses to Hong Kong's economy, it can also bring huge sales to these newspapers.
In the face of justice and self-interest, these people chose self-interest without hesitation.
So all the reporters started asking questions like a barrage of questions.
.
"Haha! You deserve it!"
Xie Zhichao, who had just been furious because of Zhuang Qingquan's statement, now looked at Zhuang Qingquan who was already panicking on the TV, and instantly burst into laughter.
Anyway, Xie Liyuan Gold Shop is definitely going to be ruined. If Hang Lung Bank cannot deal with this matter now, then Hang Lung Bank will not be finished for long. This naturally makes Xie Zhichao happy.
This chapter is not over yet, please click on the next page to continue reading! Everyone, don’t live, this is the most important thing!
Lin Jiamin, who had been staying in the office, saw the smile on Xie Zhichao's face and couldn't help but said: "Chairman, Guo Guandong's phone number has been opened. He is currently on a business trip in Japan, but he also said that he will be there in Come back in three days and will personally discuss with us the acquisition of Xie Liyuan Gold Shop."
The smile on Xie Zhichao's face disappeared a little, "He is trying to bargain!"
No matter what the situation of Hang Lung Bank is, Xie Liyuan Gold Shop is definitely going to die. Xie Zhichao rejected the offer from Empire Fashion Group before, and now the other party must be waiting for the situation on his side to be worse, which will make it even more difficult. It’s easy to bargain!
"Should we contact other jewelry stores to see if they have any intention of acquiring us?"
Lin Jiamin said: "Can this also put some pressure on Imperial Fashion Group?"
Xie Zhichao waved his hand and said: "No, the only one who has the strength and the idea to acquire us is the Empire Fashion Group. Several other jewelry stores will not wade into this muddy water!"
Lin Jiamin stopped talking!
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Both joy and sorrow!
Xie Zhichao was happy, but Peng Lizhi, who was happy just now, couldn't be happy anymore. The two-level reversal of the situation even made him unable to react for a while.
I thought Hang Lung Bank had emerged from this crisis, but a single word from a reporter called "Sheng Bao" caused things to turn around dramatically.
But being able to sit in the position of Financial Secretary, Peng Lizhi was not an ordinary person after all. After experiencing a brief panic, he immediately called his secretary.
“First, contact Zhuang Rongkun of Hang Lung Bank immediately and ask about Hang Lung Bank’s situation and whether it can survive this crisis.
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Second, contact the executives of HSBC and Standard Chartered and make a request to them. If there is really a problem with Hang Lung Bank’s funds, I hope they can express their support for Hang Lung Bank as soon as possible. Hang Lung Bank must not be allowed to situation, triggering widespread panic.”
When he said this, Peng Lizhi hesitated for a moment before continuing: "At the same time, contact Jiaku Bank to see if they are willing to help Hang Lung Bank!"
Peng Lizhi's secretary was stunned for a moment. You must know that before this, the Hong Kong government has always been non-intervention in the development of Hong Kong's financial economy. According to them, everything in the capital market must follow the laws of the capital market.
Now that Hang Lung Bank is not really in crisis, the Financial Secretary actually wants to intervene in this matter?
Naturally, he didn't know the order Peng Lizhi received, but at this time Peng Lizhi did not explain it to his secretary, but urged: "What are you still waiting for? Go quickly!"
.
In fact, in this incident, there were still many people who wanted to eat melons, but as Diners Finance was involved, some people who wanted to eat melons were shocked to find that they actually had their own melons?
And this person is Zhong Zhengwen of Yida Group.
The fundamental reason why Zhong Zhengwen felt that this problem fell on him was that their group was the most important customer of Diners Finance.
In recent years, Yida Group has become more and more famous in Hong Kong due to its cooperation with Chen Songqing, which makes Zhong Zhengwen happier and happier.
But Jianing's development is so fast that even a dandy like Zhong Zhengwen feels something is wrong. He has no choice but to make him the group that cooperates with Jianing the most!
So when problems arose in the real estate industry in Xiangjiang and the sales and leasing conditions of Hongmian Building were not good, Zhong Zhengwen finally smelled a hint of danger.
So Zhong Zhengwen began to ask his men to investigate Chen Songqing, and to investigate seriously. From the time Chen Songqing appeared in Xiangjiang until Chen Songqing became successful, he wanted to know everything.
As of now, the results of this investigation have not been sent to Zhong Zhengwen, but Diners' financial problems have forced Zhong Zhengwen to seriously examine his cooperation with Jia Ning again.
It was also at this time that the financial manager of Yida Group walked in with a stack of reports.
Some people went to investigate Chen Songqing's situation, and naturally there were also people who investigated Yida Group's own situation.
"Chairman, through investigation, we have borrowed a total of HK$1.3 billion from banks and finance companies for our cooperation projects with Jia Ning, which has exceeded the assets of our Yida Group!"
The financial manager preached with a somewhat panicked expression.
Prior to this, the cooperation between Yida Group and Jianing was so smooth, and the stock price of Yida Group soared, so many people ignored their own financial problems.
Now that Zhong Zhengwen discovered that Jianing was not as powerful as he seemed, he began to re-examine his cooperation with Jianing.
Now there is indeed a problem!
"Chairman, as long as there is some problem with Jianning, the debts borne by our group may cause the company to go bankrupt. You must talk to Chen Songqing about this matter!"
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The financial manager said seriously: "Moreover, now that Diners Finance's situation has been reported, whether it is true or false, the other party will definitely review the loan contract with us. At this moment of national concern, we
The company’s financial status will also likely be reported!”
Zhong Zhengwen fell into silence. Although he had always doubted Chen Songqing before, now he really didn't expect that he would fall into it so deeply!
By this time, it actually no longer matters what the specific situation of Chen Songqing is!
Zhong Zhengwen panicked at this time. He was not a successful businessman and had no real ability to make decisions. Now that a problem arose, he didn't know what to do?
"Zhao, Manager Zhao, what do you think we should do about this matter?"
Zhong Zhengwen actually asked his financial manager for a solution!