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

The breeze blew, Bai Chengen sat on the chair and looked at Jiang Yang and asked.

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

"Although bankruptcy is a strange thing, it has not happened before, and there is no big fuss."

Bai Chengen said: "This is a bank!"

Jiang Yang smiled and said, "I know it's a bank, isn't it just 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: "The people saved the money, they used it to invest and lend, and then used the money to do business related to money."

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

Jiang Yang threw the tissue in the trash can and looked at Bai Chengen and said, "For example, the people deposited a total of 10 yuan in the bank, and the bank took 10 yuan to lend the loan. Suddenly one day, the people wanted to withdraw the money, but the bank couldn't take it out. What should we do?"

Bai Chengen hissed and leaned on the chair: "That's true. The bank is not so stupid. He can lend all his deposits at once? It's impossible for ordinary people to withdraw all their money at once, right?"

Jiang Yang nodded and picked up the beer: "So the chance of bank bankruptcy is very small, they are all controlled by risks. But in the final analysis, it depends on which bank it is and how big the market they are doing."

Bai Chengen picked up the beer and clinked the glasses, thought for a while and said, "Huazhou Bank is quite famous in our China Province, and the interest rate is also very high. Like the friends around me who do business, almost all keep the money there."

"So what."

Jiang Yang took a sip of beer and said, "Huazhou Bank is famous in China, but to put it bluntly, it is just a small local bank. Small and medium-sized banks like this have mostly been local rural credit cooperatives. They are operated by wealthy locals, and have a lot of room for illegal operations. Shareholders are also composed of some bosses and natural persons, and they do not have much financial strength.

"In the face of this leveraged financial industry, their net worth is not enough to get into the gaps in risk."

Jiang Yang sneered and leaned on the chair: "Once there is a problem with the loan they released, the bank's capital turnover will be hindered. Especially when huge deposits like Ye Wenqing are suddenly withdrawn, it is no different from a catastrophe for banks of the level of Huazhou Bank."

Bai Chengen sighed: "No wonder the president of Huazhou Branch has always cursed Lao Xu and me, and wanted us to keep the money there. In combination, I wanted to use our money to do business!"

"Or what do you think."

Jiang Yang smiled and said, "Isn't the bank just a bowl of rice? It's just a money-making money. Otherwise, do you think they are doing charity and they are a free safe for you?"

Bai Chengen frowned: "But... Huazhou Bank has many users in China, which is related to local people's livelihood issues. Once this bank goes bankrupt, what should the people do if the deposits are done?"

Jiang Yang lit a cigarette: "There will be someone to take over the bank's bankruptcy. For example, our four major banks are the guarantee of China's financial foundation and the final guarantee for the people. After a small bank goes bankrupt, it will conduct asset appraisal and reorganization. As for how much money can be paid to depositors, it depends on the final reorganization of the bank that has gone bankrupt."

"So...it seems that bank bankruptcy and company bankruptcy are the same concept."

Bai Chengen thought about it and suddenly smiled: "Then in this way, do you don't have to pay back the loan you owe, or can you pay it back at a discount?"

"I'll think too much about you."

Jiang Yang was amused by Bai Chengen: "I don't know how much your deposit can be finally recovered after the bank goes bankrupt, but someone will definitely collect the loan you owe. You can't afford to lose a penny."

"Oh shit."

Bai Chengen cursed: "It's good for rich people, even banks are afraid."

"I used to think that even if we guys were rich, I was really open today."

Bai Chengen took a sip of beer and wiped his mouth: "I'm angry and I'll just kill a bank!"

Jiang Yang smiled and said nothing, and the expression on his face gradually became serious, looking at the lake without saying a word.

"brother."

Bai Chengen said: "But say it again..."

"Even if Huazhou Bank is a small and medium-sized bank, it is also a bank after all. It will go bankrupt if it goes bankrupt. It will cause great losses to Huazhou local areas. Can Fang Wenzhou and others ignore it? Will the superiors not interfere..."

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

"We also took the opportunity to see how deep the Ye family's water is..."

...

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

Fang Wenzhou stood at the desk, gently lowered the landline receiver, with a serious face.

The one who just talked to him was a man named Han Zhen.

Huazhou Bank has taken root in China and has a deep-rooted influence in Huazhou.

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

If there is a problem with Huazhou Bank, it is almost impossible to say that it has no impact on the economic development of Huazhou City.

For this reason, Fang Wenzhou is very concerned about this matter.

What he was concerned about was not this bank, but that the bank was holding too deeply.

Especially the people in Huazhou, and those depositors who store their money in Huazhou Bank.

For this reason, Fang Wenzhou and Han Zhen told 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 move the huge sum of money for the time being and give Huazhou Bank some time.

Han Zhen’s answer was as follows: “The people of Huazhou are the people, and Mr. Ye is also the people. The interests of the people of Huazhou are interests. Is Mr. Ye’s legitimate rights and interests not rights?”

Fang Wenzhou said: "From the situation in the entire Huazhou, please tell Mr. Ye whether the overall situation can be put first."

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

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

Han Zhen said: "Why, the interests of the people in China are important, but the interests of the people in other places are not important? For the interests of the people in China, can you be wronged by Mr. Ye alone? What is the logic?"

"Mayor Fang, in your opinion, if you can protect the majority of people, you can sacrifice a small number of groups. Is this what it means?"

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

"It's not like that. Since that's the case, I won't be able to say more."

Fang Wenzhou held the phone and sighed softly.

"OK."
Chapter completed!