Chapter 212 The Liao family’s request for help
“Liao Baoshan actually went to sell flour, and now she is running away with the money!”
“I heard that all the money from Liao Chuang Hing Bank was invested in real estate. Real estate has fallen sharply recently, and I may have lost all my money.”
“Liao Baoshan is a CS and wants to flee abroad privately.”
The news on the market is becoming more and more weird. , so weird that Yang Wendong felt that there was a high probability that someone was adding fuel to the flames;
Not to mention other things, just selling flour is too ridiculous. Although this industry is hugely profitable, how can a top-notch rich person participate in such a thing, unless it is based on this to make a fortune.
On June 20, Yang Wendong arrived at the headquarters of Liao Chong Hing Bank in Central in his own Mercedes-Benz bulletproof car.
At this moment, before the car got close, the car was stopped by a huge crowd. It was not that someone blocked the car intentionally, but that there were people in front of it, all coming to withdraw money. They forced the two intersections to be blocked. Blocked.
Next to the crowd, there were a large number of police officers, who were maintaining order, and a small number of traffic police were directing traffic, signaling all cars to turn around and leave.
In the car:
Zheng Zhijie said: "Yang Sheng, our car needs to leave, or let's get down."
"Okay." Yang Wendong nodded.
Subsequently, a group of people got out of the car, and more than a dozen bodyguards surrounded Yang Wendong. The crowd here was a bit chaotic, and the bodyguards were also very nervous.
However, their location is still far away from the crowds, so it is not unsafe. The bodyguards also gave the boss space and scattered around.
“I saw in the newspaper yesterday that there was a run here.” Wei Zetao said with some surprise and emotion: “I thought the bank hall would be full of people, but I didn’t expect that the road a hundred meters outside would also be full of people. ”
"It is Xiaohe who succeeds and Xiaohe who fails." Yang Wendong shook his head and said: "Liao Chuang Hing Bank was able to rise suddenly in the banking industry by absorbing funds from small citizens.
But when a run occurs now, so do the people who come. At most, when so many people come, so many people withdraw money, it will only make other people panic, so they all come.”
This routine is a bit like the shared bicycles in the previous life. , I don’t know how much rent was collected.
Originally, from the perspective of financial security, these rents can only be invested in low-risk businesses, but the shared bicycle companies used this money to expand, burn money, and ultimately ruined themselves.
Zheng Zhijie smiled and said: "Old Wei, you have no money to save it. If half of your family property is in Liao Chuangxing, I'm afraid you will be more anxious than the people in front of you."
"Yes, I will definitely go crazy with anxiety." Wei Zetao thought on his behalf, and he must be the same.
Fortunately, he followed some of the boss's investment strategies and transferred his money from Liao Chuangxing, otherwise it would be over now.
Zheng Zhijie added: "Liao Baoshan has not yet asked for help from the outside. He has been trying to guide bank customers to withdraw less money. He has even asked many political and business people to sign mandatory agreements. It is said to have a certain effect."< br>
“It’s useless.” Yang Wendong shook his head and said: “This kind of agreement is a ballast stone for people with some status, allowing them to believe that their funds will not go wrong.
But the problem is that the customers of banks are definitely not only wealthy people, but also mainly ordinary people, especially Liao Chong Hing Bank.
You said that ordinary people in the market will not believe in your so-called agreement. They only believe in being safe. ”
When a general company has a problem, even if it owes a lot of money to the bank, as long as it is not really helpless, there is a certain chance of rescue, and even the creditor bank will still be there. It will help you to a certain extent, because if you really go bankrupt, they will also suffer heavy losses.
But if there is a problem with the bank, it will face the most terrible runs. These runs are just ordinary people in the market. Too much, leaving no room for negotiation, as long as they come to withdraw money , you have to give it. If you don’t give it, it will be over. Once trouble occurs, the government will not be able to handle it.
Therefore, under normal circumstances, banks’ business activities are strictly restricted by law. In many cases, the government will not be able to handle it. National, commercial and investment banks They are also separate and are not allowed to exist in the same company at the same time, but obviously there is no such legal restriction in Hong Kong.
Wei Zetao nodded and said: "Yes, there is no way to stop these people from coming to withdraw money. Just let it be. ”
Zheng Zhijie continued: "It is said that 3 million cash was withdrawn from Liao Chong Hing Bank's branch in Hong Kong yesterday. I'm afraid there will be more today. Judging from this trend, if Liao Baoshan can't think of any way, the funds will soon dry up." "
"Yes." Yang Wendong said: "It's your own fault. You should have thought of using bank funds to buy real estate today."
Liao Baoshan must have known what he was doing. The danger is that you are overconfident and blinded by real estate income, and in the end you go all the way to the dark side.
Zheng Zhijie asked: "Yang Sheng, are we waiting for Liao Chuang Hing Bank to come to us?"
"Yes." Yang Wendong nodded: "I guess with the resources of the Liao family, we can still support it. A few days, we can just wait.
In addition, I would like to inform Qin Zhiye that our Hong Kong and China Daily can just mention this matter a little bit instead of focusing on it. This is to give face to the Liao family.
However, we should focus on reporting on financial risk issues, and work with professional financial professionals to analyze the reasons. These will be content that high-end people like to read. "
"Okay. "Zheng Zhijie agreed.
"Go back. "Yang Wendong called for a secretary next to him and said: "Aying, in the past few days, arrange for a few people to take a few more photos around Liao Chuangxing Bank, and then store them in the company's historical files. ”
There is a special archive within the Changxing Group, which records various historical deeds, achievements, milestones, etc. of the entire company from the earliest days of its establishment, and also contains many photos.
In addition to the Changxing Group itself, major external events will also be recorded, especially those that happened in Hong Kong. These will become the records of the Changxing Group's future history.
Even, when computers come out in the future, all data will be backed up electronically.
Secretary Aying agreed: "Okay, Yang Sheng."
June 21:
In the Liu Chong Hing Bank Building, Central, Hong Kong:
Liu Baoshan, who was once the most prosperous and vowed to join the Ho Tung family and became the number one Chinese in Hong Kong's business world, now has disheveled hair and is distracted, staring blankly at a potted plant in front of her.
“Daddy?” A young man approached and called softly.
But Liao Baoshan didn't react at all, and she didn't know what she was thinking.
Liao Liewen had to call twice more before he got a response: "Liewen, what's going on outside now? I raised 30 million in cash, is the run better now?"
Liao Liewen looked at his exhausted father who had not slept for many days. He did not want to tell him the truth, but he also knew that he could not hide it, because now Liao Baoshan was the backbone of the entire Liao family. Then he said: "Dad, there has been a run at all branches these days, and all the staff have tried their best to persuade people to withdraw money, but to no avail.
Our staff are also trying to reduce the speed of withdrawing cash from users, but more and more people are coming, and the 20 million Hong Kong dollars we have raised are almost spent. "
" Almost spent? Is this 20 million Hong Kong dollars? "Liao Baoshan looked in disbelief.
In today's Hong Kong, 20 million Hong Kong dollars is a huge sum of money, so huge that many people can't imagine it. Even he spent a lot of favors to get it from other banks. I borrowed it from business friends.
I thought it would last for at least a week, but it was gone within three days.
Liao Liewen was also a little frightened and said: "I never thought that such a situation would happen. In the past few days, almost ten or twenty thousand people have come to the bank to withdraw money, ranging from a few hundred to thousands or tens of thousands;
Although each transaction is not much, the amount is too much
And just now, many of the company’s big customers came to collect debts. They should also know some inside information.”
Not only people from Liao Chuangxing Bank, but also outsiders, this is the first time. Seeing this kind of run, the scale is so large, everyone is frightened.
Not to mention, the internal cash flow of Liao Chong Hing Bank is almost gone now, and too many people in various branches know about it. It is impossible to hide this news, not to mention some political and business leaders, even ordinary people will know it soon. knew.
Liao Baoshan paused and said: "I signed a guarantee agreement with them, so it should be fine."
"It's useless, Daddy." Liao Liewen shook his head and said, "No agreement is gone at this time. We have used it, and the most important thing now is that we really have no money.
If this continues, all branches will have to close. Once this happens, we, Liao Chong Hing Bank, will be finished.”
No. People have experienced this kind of thing, but everyone knows that once money cannot be provided to depositors, there will be a swarm of bank runs later, and Liao Chuang Hing Bank will be finished.
Liao Baoshan nodded, sighed deeply, and said: "Okay, I will call other friends now to urgently raise funds from them and solve the immediate problem first."
After saying that, he calmed down, picked up the phone next to him, and started dialing.
In this way, an hour passed, and Liao Liewen's heart gradually fell into the abyss.
Because every call his father made just now was rejected.
"Bang~~" Liao Baoshan threw the entire phone to the ground in anger. Her face was livid and she was still trembling. She didn't know whether it was because of anger or some other reason.
"Daddy!" Liao Liewen said softly.
"They all refused to save me." After a while, Liao Baoshan finally recovered: "No one is willing to help me, they all want to see me die."
"Daddy!" Seeing his father who was already very persistent, Liao Liewen had to say: "They It’s normal not to help. If you put yourself in their shoes, would you help them?
Maybe you will help a little at first, but will you continue to help when you are sure that there is really no hope?”
"." Liao Baoshan had nothing to say.
The shopping mall is like a battlefield, either you die or I live; colleagues in the industry may be friends, or even enemies.
When there is a benefit, everyone is good for you and me, but once one person has a problem, the others will immediately run as far as possible without adding insult to injury, which is already considered good.
After a while, Liao Baoshan asked: "What do you think we should do now?"
"Our bank is not an ordinary company. Even if it files for bankruptcy, the depositors' money will be lost. We have to pay it back, otherwise, I'm afraid all of us will have to go to jail for the rest of our lives," Liao Liewen continued.
He hated his father very much. He was once self-willed and had his own way. He ignored his advice many times and used bank funds to speculate on the real estate market, which led to today's situation.
But blood is thicker than water, and now everyone is in the same boat. If the problem is not solved, everyone will be doomed.
Liao Baoshan said: "The depositors' money is actually still there, but it has become real estate. They are anxious to withdraw the money in a few days, which naturally cannot be done."
Liao Liewen nodded: "So now The only way is to cash out a large amount of properties in your hands urgently, exchange them for cash, and then give it to the depositors. Otherwise, if it is too late, there will be no chance, and the money will be useless in the future. "
Liao Baoshan shook his head and said. : "The problem is not to cash out real estate properties, but even if cashing out real estate properties is useless, any bank itself has a large amount of lending business;
Now that there are so many depositors withdrawing money, even if I lose money and sell the property But the funds are still not enough.”
“I know.” Liao Liewen said: “While cashing out the property, I will also go to other banks to see if they can buy the loan business in our hands.
Or, I will find loan customers to see if they can repay their loans early. ”
“This is indeed the only way. Liao Baoshan was silent for a moment: "Li Wen, if you do this, even if you succeed, then the decades of hard work of my Liao family will probably be in vain." "
Liao Liewen took a deep breath and said, "I know, but there is no other way. "
"Okay. "Liao Baoshan nodded and said: "I'm going to see the Hong Kong government to see if we can get the Hong Kong government to come forward and make a guarantee for us. If the Hong Kong government guarantees and the run stops, maybe things will turn around. "
Liao Liewen frowned and said: "Let's try it. But based on the Hong Kong government's long-standing free market policy, it is estimated that the possibility is not high. ”
On June 25, Yang Wendong, who was playing with his son, suddenly received a call from Liao Liewen.
Then at noon, the two made an appointment to meet at a hotel in Central.
"Yang Sheng, congratulations on becoming a father." Liao Liewen said with a smile.
Yang Wendong smiled and said: "Thank you very much. When the child is 100 days old, there will be a small banquet. Liao Sheng will also invite you to attend."
"Okay, I just hope that by then , I can still happily come to your master's banquet." Liao Liewen sighed, and then said directly: "Yang Sheng, you also know the situation of Liao Chuangxing Bank."
"Of course, who doesn't know about Hong Kong now?" Yang Wendong nodded.
Liao Liewen said again: "Yang Sheng, when I ask you out this time, I want you to help me by returning the funds that my bank loaned to you before."
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(End of this chapter)