The Industrial Giant Reborn

"Chen Sheng, a friend from the ICAC told me that Hisense Bank intends to give them some benefits, let them turn a blind eye and close their eyes, and investigate this matter later, but the expression is very cryptic, 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 get out, I just want to postpone it. It's the only chance for Hisense at present, although the possibility of turning over is not very high." Chen Zhiwen said with a smile. Over the years, the group under Chen Zhiwen, in Hong Kong The influence is no less than that of HSBC and Jardine. Naturally, there are many friends in the Z world, and the ICAC is the same, but there is no illegal transaction. The tax payment and employment of Midea alone are enough to make the Hong Kong Governor They are all courteous to them.

"The ICAC has already rejected them, and has now entered Hisense Bank for investigation. However, because many transactions involve overseas banks, the Hong Kong government still needs to apply to overseas banks. This process may take some time." Li Haonan Said.

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

"People are already withdrawing money from Hisense's more than 40 branches in Hong Kong, and the same is true of the two branches in Macau. But at present, it is estimated that tens of millions of Hong Kong dollars are withdrawn every day, which is not serious. Hisense seems to be able to handle it." In addition, the top management of Hisense has refused to admit to concealing bad debts several times, and the Hong Kong government will not send out news at will because there is not enough evidence." Li Haonan said.

"In this way, we have to push again. You can check which major bank customers Hisense currently has. We will give them some benefits and let them go to the bank to withdraw money on a large scale. If there is interest loss, we will To compensate, 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. It has a history of 30 years and is well-known in Hong Kong. In the absence of confirmation, it only relies on a report from an internal employee, and the government has no official announcement. Under the circumstances, it is still not enough for many people to risk the loss of deposit interest to withdraw money. Otherwise, any bank insider will be run off once they report it, and the financial system is still playing a fart.

The previous big collapse in history was due to the fact that the loss was much greater than it is now, and the Hong Kong official announced the news, which led to the big run.

In the absence of other big news stimulus, such a run will either become more and more serious, and it will collapse when it reaches the critical point, or the depositors will stop withdrawing money when they see that there is no problem with the bank, and finally 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 to investigate according to the procedures, it does not know that it will have to wait until the year of the monkey. An example that can be referred to is Carrian Group, which was originally investigated next year in history. It took a year or two to convict a bunch of senior executives in Carrian, and it was only a small part of their crimes. There was no evidence for the rest, even if they knew there was a problem.

Chen Zhiwen didn't want to wait that long. For him, the bank played an important role in the subsequent real estate crisis.

Li Haonan nodded and said: "Okay, that's no problem, and it doesn't need a lot of funds. As long as these people withdraw a few hundred million, Hisense Bank will collapse immediately."

Hisense's deposits are 12 billion, and the amount that can be used by itself is estimated to be about 2 billion. Once a few hundred million are withdrawn, the funds will shrink immediately. The Financial Management Bureau is currently watching Hisense and will definitely ask them to replenish it immediately. If the media creates momentum, it is easy to attract more depositors to withdraw money, especially those who have just deposited for a long time, and there is not much interest anyway. It is definitely more reassuring to withdraw. Only those who have stored for a long time are more entangled.

In addition to deposits, banks in Hong Kong are generally involved in investment, and these investors are likely to be the same. With the money out, I can invest by myself or find other banks. Why put it in the risky Hisense?

All problems are confidence problems. Once the social confidence is insufficient, the bank will collapse immediately.

And the cost they have to pay is not high, as long as they find some big customers of Hisense Bank and compensate them for the loss of interest, and they will definitely give priority to those who have deposits not long ago. Anyway, Hisense Bank is so big, there must be such depositors Not a lot.

The real estate market in Hong Kong has fallen this year. On the contrary, many people save money because they have no place to invest. This has led to a decline in bank interest rates. There are 1 billion deposits, and so many deposits.

"Then let's do it. I want to take down 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 are also politely serving tea, and at the same time urging customers who have not yet withdrawn money to think carefully, explaining the gains and losses of withdrawing money.

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

I don’t know whether it’s because the services of these branches are good, or because the leaders above have promoted it well in the media. In the past few days, fewer and fewer people come to withdraw money, and among those who come to withdraw money every day, most of them are persuaded There are more and more customers who give up. As long as there are no other accidents, it is unlikely that there will be a run.

Suddenly, a Rolls-Royce stopped at the door of the bank, which was obviously an illegal parking, but the security outside the bank hesitated for a moment, but still did not step forward, he did not dare, the owner of this kind of car is not something he can offend Come on, if you get angry, the bank will 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, then went to the rear and opened the door. A man about 50 years old and thin but full of energy walked out of the car. At this moment, the sky had already set When the light rain broke out, the men in suits in other cars immediately stepped forward and opened rows of umbrellas to form a road.

The movement outside naturally alarmed the account manager in the bank, she walked out immediately and said with a smile, "Hello, Mr. Zhao."

The person here is a relatively well-known real estate developer in Admiralty. He has developed several properties here in Admiralty and has many properties in his hands. There are dozens of street-facing properties on the famous Zhengyi Road in Admiralty District. They are called Zhao-style Street, although there is still a big gap compared with those well-known real estate developers, but it can also be regarded as a local tyrant. It is said that this person has a certain relationship with Hutchison, and he once took over several of Hutchison a few years ago. Small business, relying on this to make a fortune.

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

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

"What? I withdraw my money, do I still need to report the purpose to you?" Zhao Chengwei said coldly, if it was a few senior executives or shareholders of Hisense Bank, then he would give some face, but an account manager , but he is not qualified to gossip with him, no matter how he is worth hundreds of millions, although he is not considered a wealthy level in Hong Kong, but it is not his turn to waste time with an ordinary person.

"No, no need, I don't know how much Zhao Sheng needs to withdraw?" The account manager immediately replied politely. Zhao Chengwei's voice was relatively loud just now, and with the arrival of the owner of the Rolls Royce, everyone in the bank calmed down and paid attention. Basically everyone in the bank has heard it. Now that 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 doing. Expelled.

"This is my five accounts in Hisense. There are a total of 30 million funds in them. Some of them are deposits. I don't want any interest. I want to withdraw them all today." Zhao Chengwei moved his hand, and the person behind him immediately handed over all the deposit receipts and information and so on.

"30 million?" Not only the account manager was taken aback, but also other depositors on site. They were still struggling to withdraw their money. When they heard this number, they immediately made up their minds. What a joke, this person withdraws money If they go for 30 million, how can they still have money?

The president of the bank just came down at this moment. He almost fainted when he heard the number. When he was upstairs in the office, he knew that a Rolls-Royce was coming down below, so he was about to come down immediately and prepare to invite the guests to the VIP room himself. I didn't expect it to be like this.

So, without waiting for other people to react, he immediately stepped forward and said, "Sheng Zhao, there are many people here, what's the matter, let's talk upstairs alone, 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 enough to achieve the first goal.

Under everyone's surprised and hesitant eyes, 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 Hisense Bank's Admiralty Branch was called Qian Lijiang, and after taking Zhao Chengwei upstairs, he said, "Sheng Zhao, I don't know why you need to withdraw so much money. According to the bank agreement, your loss here is as high as one million. "

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

"Sheng Zhao, the rumors in the alley are not credible. Our Hisense Bank has been established in Hong Kong for 30 years and has a scale of tens of billions. How could it be possible to make such a low-level mistake." Qian Lijiang said immediately.

"Do you think I'm one of those little people down here? Did your bank do that? Of course, I have my source of information. Although there is no evidence, there is no such thing as trouble. You don't have to ask too much. How do you talk about the deposits in the bank?" It's my money, and I can take it whenever I want, so you don't have to waste your time." Zhao Chengwei said bluntly.

"However, 30 million Hong Kong dollars is also a large amount of money. It will take us a long time to transfer such a large amount of cash. It is impossible for HSBC to take out so much in a short period of time." Qian Lijiang found another reason to delay road.

"That's right, I am also reasonable. If cash is not enough, then transfer the money and earn the money directly into my HSBC account. This should be done in the afternoon, right?" Zhao Chengwei said lightly.

"Such a large sum of money, our branch can't get it out, and we still need to apply to the head office." Qian Lijiang said with some embarrassment, whether it is cash or transfer, Hisense is unwilling, and their liquid funds are limited. Yes, I left 30 million in one go, and the higher-ups were not allowed to jump up, but fortunately I persuaded the other party to use transfer, otherwise, if so much cash was taken away, once the reporter took pictures, it would not be popular again.

"Then apply. I used to transfer 10 million at the Bank of East Asia, and I only waited for one day. Your Hisense has always claimed to be larger than East Asia, so I will give you two days. This should be enough, right?" Zhao Chengwei said.

"Okay, then I'll apply to the headquarters immediately." Qian Lijiang could only agree, he couldn't refuse, otherwise not only Zhao Chengwei was in a hurry, once he told the people in his circle, it would immediately cause panic in the wealthy circle, At that time, there is no need for ordinary people to run, and Hisense will not be able to carry it. If a rich man takes away tens of millions, if a dozen come, Hisense will not be able to eat and walk away.

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

"Then I'll see you off." Qian Lijiang quickly got up, sent the other party away, and then returned to the office, looking at the phone in front of him, thinking 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 more people withdrawing money downstairs, and they can't be persuaded at all."

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

"Curry still has more than 3 million cash. If it is withdrawn like this, two or three days will not be enough. I don't know what will happen tomorrow." The female secretary said worriedly.

"I see, you go down first, I need to call the headquarters first, and we will go together later." Qian Lijiang said.

"Okay." The secretary left after finishing speaking, and Qian Lijiang then dialed the phone.

Hisense Bank Headquarters:

Xie Hongbing answered the phone, and in less than a minute, he immediately called out, "What? Some of you have withdrawn so much money?"

Qian Lijiang, who was on the other end of the phone, immediately asked, "What do you mean? This happens in other places too?"

Xie Hongbing said: "Yes, there are many rich people in Kowloon, Yuen Long, and Tsim Sha Tsui asking for withdrawals, ranging from a few million to 20 million. You are the one I know the most about. Personally, the withdrawal request has exceeded 100 million."

"One hundred million?" Qian Lijiang suddenly felt that this matter seemed not so simple.