Boeing President Philip Conti continues to display satellites there, gnashing his teeth, and must surpass Airbus, let Abu Dhabi surpass Dubai, and give Lin Feng a good look... And Sheikh Khalifa II is also extremely cooperative, announcing

It will invest US$70 billion to jointly build the 'Boeing Theme Park' with Boeing Company. It also plans to invest US$100 billion in the next five to ten years to create space tourism services, and will introduce more high-tech companies to Abu Dhabi.

Dhabi, making Abu Dhabi the most advanced city in Arabia.

Of course, just promoting the technology capital is not enough. Kandi directly used his connections on Wall Street to get a series of financial investment companies on Wall Street to question the deal between Airbus and Emirates Airlines.

The front page headline of the "Wall Street Journal" - "Crisis under Perfect Trading!" In its column, the "Wall Street Journal" quoted a man who graduated from the Economics Department of Cornell University and has been doing securities trading on Wall Street for 20 years.

Alex, an analyst at Capital Operations, commented on this matter - In this transaction between 'Airbus' and 'Emirates Airlines', it seems to be a win-win situation for all parties, 'Airbus' and 'Emirates Airlines'

The company', Lin Feng, and Dubai are all winners. However, careful analysis shows that this seemingly perfect transaction has a huge flaw, which is the capital operation of Lin Feng's Second Bank.' Second Bank

Can the bank carry such a huge amount of funds?

After quoting Alex’s doubts about the financial operation ability of the Second Bank, the Wall Street Journal published the economic operation status of the Second Bank.

'Second Bank', formerly Standard Chartered Bank, was acquired by Lam Fung. Currently, according to market statistics, Lam Feng holds 48.87% of the shares. The current market value of 'Second Bank' is approximately US$42 billion, and its deposit balance is approximately US$220 billion! According to international

The red line for bank loan-to-deposit ratio supervision is that once a bank's loan-to-deposit ratio exceeds 75%, the bank will be in a dangerous situation. Once any sudden situation occurs, such as an investment loan that cannot be recovered due to poor operation and bankruptcy of a company, it is very likely that

A run occurs, and once a run occurs and deposit customers withdraw cash in large quantities, the bank will go bankrupt.

At present, the investment amount of 'Second Bank' in the real estate and business circles is approximately US$75 billion. And 'Second Bank' cooperates with 'Second World', and all 'Second World' members can invest through 'Second Bank'

Second Bank 'makes loans to purchase any product of 'Second World'. According to the "Wall Street Times" assessment, its annual loan funds are approximately US$35 billion.

These two areas of loans were the main lending directions of the 'Second Bank' before. The total amount is almost 110 billion US dollars, which is exactly half of its deposit balance of 220 billion US dollars. Its loan-to-deposit ratio is extremely reasonable, and its capital turnover is also in excellent condition.

.

But if you add the US$95 billion loan from 'Airbus', the total is US$205 billion in funds, while the 'Second Bank' has only US$220 billion in total deposits, and its loan-to-deposit ratio is as high as 93.18%, which is already

The risk is high. Once there is a problem in one of the links, a domino effect will directly occur, and the 'Second Bank' will be unable to honor the withdrawal requests of deposit customers.

The 'Second Bank' is in danger! - This is the final conclusion of the "Wall Street Journal", and it calls on customers who have deposited in the 'Second Bank' to withdraw their funds as much as possible to avoid the eventual loss of their deposits.

retrieve.

This summary is undoubtedly very insidious. If all deposit users withdraw money at this time, a run will definitely occur. It is simply impossible for the 'Second Bank' to allocate so much funds to provide customers with cash withdrawals. Once discovered

If a run occurs, the bank's stock price will suffer a heavy fall. And the run on withdrawals by ordinary customers will also bring about a crisis of trust among large corporate customers. Once large corporate customers withdraw their funds, the 'Second Bank' will inevitably find loan customers.

Ask for funds. And once they ask for funds, the loan customers will be unable to repay the funds, causing their operational difficulties. If this series of evil continues to cycle, the bankruptcy of the 'Second Bank' will be inevitable.

The most direct consequence of the bankruptcy of the 'Second Bank' is the collapse of the 'Second World' credit system. Today's 'Second World' credit system is based on the guarantee of the 'Second Bank'. Once the 'Second Bank'

'Bankruptcy' means that the trust mechanism of the 'Second World' will no longer exist, and then Lin Feng's largest money printing machine will no longer exist. Then Lin Feng's 'Second Consortium' will also be in crisis.

However, what the Wall Street Journal did not expect was that the expected run did not occur. Originally, the Wall Street Journal specially sent people to its Hong Kong headquarters and branches in several major cities in China to prepare for filming.

Then the headlines came again. The headlines were already written - there was a run on the Second Bank, and the God of Wind was not there.

As a result, after spending this day squatting, the door of the 'Second Bank' was in good order. Although there was an endless stream of people coming and going, the expected cash run did not occur. Although there were people who came to withdraw cash, the withdrawal amount was not high.

Large. Mostly hundreds, thousands, tens of thousands, rarely.

Staying like this for a day made the Wall Street Journal depressed. Of course, the most depressed person was Kandi. He was ready to pull out the fire and give Lin Feng a hard blow. Who could have expected that this move to pull out the fire would end up being

Has no effect.

He didn't understand. This was an extremely serious matter for any depositor. It related to their funds. How could no one think of the risk and withdraw cash? This is not normal!

The "Wall Street Journal" continued to stay on guard the next day, but the results were still the same on the second day. The door of the 'Second Bank' was in good order, and there were no runs at all. And on the third day, it was still the same. Now "

The Wall Street Journal couldn't help it.

It has been three days. Logically speaking, such an astonishing deposit-to-loan ratio is enough to worry any deposit customer. Not to mention those big customers who come to withdraw money, at least these small customers, ordinary citizens should come to withdraw money.

Ah. This is the most normal situation. Because ordinary customers have the worst tolerance. As a result, there is no one.

So, on the fourth day, a reporter from the Wall Street Journal stopped a customer who was coming to withdraw money at the entrance of Second Bank.

"Hello, sir, do you know that the Second Bank's loan-to-deposit ratio has reached 93.18%?" A reporter from the Wall Street Journal stopped a middle-aged customer and asked.

"Loan-to-deposit ratio? What loan-to-deposit ratio?" The middle-aged man was obviously stunned.

The "Wall Street Journal" reporter was very happy. It seems that these people don't like to read this kind of news, so that's good. When they say it, the man will definitely be scared. He withdraws money, and then goes to call friends. This

One spreads to ten, ten spreads to hundreds, hundreds spreads to thousands, which will naturally lead to a run.

"Sir, the loan-to-deposit ratio refers to the ratio of bank deposits and loans. The higher the ratio, the greater the risk of bank funds. The international risk index is 75%. If it exceeds 75%, it means that the bank may be unable to withdraw cash.

Maybe. And now the 'Second Bank' is as high as 93.18%, which is already a high-risk stage. You see, this bank is calm now, maybe it will be closed down tomorrow!" The reporter of "The Wall Street Journal" was alarmist, with a bad smile on his face.

, prepare to see the expression on the middle-aged man’s face after he exclaimed, went to withdraw cash wildly, and then called his relatives and friends.

As a result, the middle-aged man was stunned, and then went in to withdraw money as if nothing had happened. This made the reporter extremely puzzled. What was going on? Why was he not excited because of Mao? Why was he not panicking because of Mao?

"Sir, sir, aren't you afraid that your funds are missing?" A reporter from the Wall Street Journal quickly caught up and asked.

The middle-aged man was obviously a little unhappy.

"Whether the loan-to-deposit ratio is high or not is none of my business!" After saying that, the middle-aged man threw away the reporter. Seeing that the reporter was about to catch up, he pointed at the reporter and yelled, "If you come closer again, I'll kill you."

Called robbery!"

Depressed! The "Wall Street Journal" reporter had no choice but to retreat. He cursed in his heart, "What's going on with this guy? He doesn't understand what could happen if the loan-to-deposit ratio is so high. If something unexpected happens, then this is stored in the bank."

The funds will be ruined.

Damn it, you will lose everything sooner or later! The Wall Street Journal reporter retreated outside angrily, looking for the target carefully. Not long after, he saw a young man wearing glasses coming over. This middle-aged man may have some financial knowledge.

I don’t know much about it, so I think it doesn’t matter. But young people should be very cautious. And the Internet is very popular now, so it should be no problem.

Immediately, the reporter stopped the young man who was about to go into the bank to withdraw money.

"Sir, do you know that the loan-to-deposit ratio of the Second Bank is as high as 93.18%?" the reporter asked.

The young man nodded.

The reporter was overjoyed.

"Then are you going to withdraw all the money?" the reporter asked again.

"Why do you need to withdraw all the money? It is safer to put it in the bank." The young man shrugged and said.

The reporter was puzzled again. What's going on? Aren't you worried about losing your money?

"The money is gone?" The young man was obviously surprised, then waved to the reporter, walked outside the door, pointed to the sign above and said, "Look what this is?"

"The Second Bank!" the reporter said.

"Then do you know who opened the Second Bank?" the young man asked again.

"Lin Feng!" the reporter instinctively replied.

"Isn't it settled! This is a bank opened by Lin Feng. Lin Feng is so rich. Even if the bank's deposit-to-loan ratio is 200%, do we need to worry? This is Fengshen's bank, will he not give us money!

You actually ask such a simple question, show off!" After saying that, the young man calmly went in to withdraw the money.
Chapter completed!