Drink Black Tea Calmly at Hogwarts

Chapter 609 Gringotts makes matters worse

Not long after the sudden bank run occurred this morning, the cash reserves of the unprepared Gringotts headquarters in London quickly dropped to a very dangerous level.

The pride of fairies who control gold coins does not allow them to limit the amount of withdrawals.

Gringotts headquarters tried its best to move here and there, but it was still a drop in the bucket in the face of rapidly drying up cash flow.

In this case, the goblins had to temporarily give up their inner pride in order to maintain their superficial pride.

Just when the senior management of Gringotts was about to quietly come up with the idea of ​​depositing money into the depositors' vaults, depositors began to come to Gringotts with bags that had been casted with the Invisible Stretching Charm and asked to empty the contents of their vaults.

However, not all vaults have owners. The wizards or wizard families who opened the vaults died before spending all the money in them, or their heirs have been extinct for hundreds of years, and their vaults and The gold coins inside have been retained. As the managers of Gringotts, the goblins quietly cracked the magic on the vault door and "temporarily" "borrowed" the gold coins inside. If this kind of thing was not revealed, it would not cause trouble.

The goblins who were stunned by the sudden blow had no choice but to choose this method of drinking poison to quench their thirst to delay time. And the fewer goblins who know about this, the better.

However, according to Murphy's Law, if there is a possibility that things will go bad, no matter how small the possibility is, it will always happen.

A wizard came to Gringotts with a document written on ancient parchment. This document issued by Gringotts in the 18th century showed that the person holding the document was the owner of an ancient family treasury. Legal heir.

Such a document is usually issued by a wizard who has no heirs during his lifetime and is awarded to the designated heir as his inheritance.

Sometimes heirs are not in a hurry to take out the inheritance, so they just keep the file in a book or store it somewhere. Sometimes the holder does not tell his descendants for various reasons, and there are many stories of descendants becoming rich overnight after accidentally discovering inheritance documents hidden by their ancestors.

After some searching, the receptionist at the front desk finally confirmed the authenticity and validity of this document from the pile of old papers, and found out that there were still more than a hundred Galleons in the vault.

But something unexpected happened in the inheritance of this treasury. According to records at Gringotts headquarters, the heir to this vault disappeared not long after graduating from Hogwarts. There was no news for two hundred years, so Gringotts concluded that the heir was dead. So the goblins "borrowed" the gold coins in the vault without hesitation. At the same time, in order to keep it confidential, this matter was not reported to the goblins at the front desk.

It's just that the goblins forgot that in that era, apart from the accidental death of the wizard who had not been heard from, there was also a possibility that he had defected to the Hanoverian dynasty in England at that time.

So when Hood, who thought she had dug out the golden house from the books at home, stood in front of the empty vault No. 51 with ginger and fish cakes, the goblin beside her weakened in her legs.

In less than half an hour, the news spread across the UK, and an even stronger wave of crowding hit Gringotts.

In a luxuriously decorated office at Gringotts headquarters, Gringotts' top goblins were discussing countermeasures.

Grancher has been leading Gringotts for almost half the world, and this is the first time in his career that he has encountered such a situation. Even in the hundreds of years of history since its establishment, Gringotts has never encountered such a crisis.

"Zubin, how is the mobilization of galleons from the European continent going?" Grancher asked an elf on his right.

Zubin, who was in charge of the European region at Gringotts, looked very unhappy. He replied: "Since this summer, there has been a trend of using Muggle currency to exchange Galleons in Asia, causing a shortage of Galleons there. These few For months, we have been sending galleons from our branches in Europe and the Americas to Asia to maintain stability in the Asian region. Now the cash reserves in various branches in Europe are as low as they were in London yesterday. If we send galleons from other countries If the department withdraws cash, then the run in London spreads to various European countries, and the branch cannot provide enough cash, it will cause a devastating blow to Gringotts. So now the cash we can mobilize can only support one Hour."

At this time, even if Grancher's reaction was slow, he still realized that something was wrong. He felt a huge net coming towards Gringotts.

"Is this a conspiracy?" Grancher asked.

Gurneyson, who is in charge of Asia at Gringotts, replied: "Since the summer, the Muggles in the Far East have encountered a lot of trouble. The wizards who live with the Muggles have been implicated, so they all have Muggle currency in their hands. Replaced with galleons."

Grancher frowned and continued to ask: "Is this a conspiracy against us?"

"It's not like that." Gurnison shook his head. "This matter was caused by Muggles and had nothing to do with wizards, so we didn't pay too much attention to it."

"Do you have any idea about what happened today?" Grancher still hasn't figured out the cause of the run.

"It's clear." The person who answered the question was Dessa, a Gringotts executive. "Two days ago, the business war between Hogsmeade and Diagon Alley escalated and they started further price reduction activities. This made In the past two days, a large number of wizards came to take away Galleons for shopping. A news article appeared in today's "Daily Prophet", the news said that a large number of wizards took away their gold coins from Gringotts for unknown reasons. The news is at the end Said, if more and more wizards come to take away the gold coins, it is likely that all the gold coins in Gringotts will be taken away, and those who arrive late will face the situation of having no gold coins to take away."

"So almost all the wizards in Britain are here? They have no confidence in Gringotts?" Grancher walked to the window at this time.

Looking out the window, he could see that Diagon Alley in front of Gringotts was crowded with people. If the information in the magical world were more developed, the words "Train Station during the Spring Festival" would pop up in his mind.

Desa hesitated and said: "I just asked a young wizard who withdrew all the deposits. He said that he learned in Muggle Studies class that if the bank's reserves are insufficient and there is a run on the bank, Credit bankruptcy will occur due to the inability to pay depositors' deposits, which will eventually cause the bank to close down. At this time, depositors who have not been able to withdraw their deposits will have nothing. Even if the funds are recovered by selling the bank's fixed assets afterwards, it may not be able to compensate the bank for arrears. deposit. So he must get his deposit back before all the money from Gringotts is paid out."

"Later I asked several other wizards who had withdrawn money, and they said the same thing."

"What on earth does Hogwarts teach its students!" Grancher turned around and roared, "I'm going to freeze all the Muggle Studies professor's funds in Gringotts!"

"Your Excellency..." Desa said in a low voice, "The Muggle Studies professor at Hogwarts has emptied two of his vaults, leaving not even a single copper."

Grancher was stunned and said, "So he is related to this incident?"

"His reason is that he is ready to leave the UK." Dessa said helplessly.

"Ignore him." Grancher sat back in his chair, "Is there any way you can get enough gold coins in half an hour?"

"Dessa, can we let him repay part of the loan we previously provided to Malfoy? We can provide an interest discount."

It was okay not to mention this matter. When Grancher mentioned it, Desa almost cried. He said: "I asked Malfoy today, and he said that he had given all the money to the mysterious man. , if there is anything, let us go and interview the mysterious person."

At this time, the door of the office opened, and a goblin with an extremely ugly expression walked in. When the goblins in the office saw his expression, their hearts suddenly became cold.

"Taro Hill, what conditions did those greedy vampires offer?" Grancher was ready to be slaughtered.

"It's terrible, I have never encountered such a bad thing!" Tallowhill complained after sitting on the chair, "From the Welkom family, the Smith family, the Bentley family, to the Black family, The Longbottom family, the Abbot family, and the Scarlet family who escaped twenty years ago are also back, plus the rebels from the magical world, and even the Indians, some French and Chinese people , they all entrusted the management of their galleons to a committee of nine people."

"What!" Grancher was so frightened by the news that he jumped up from his chair.

The other goblins in the office had similar reactions to him.

The goblins here all know that these families cover the two major camps in the current British wizarding world war, as well as neutral foreign forces. Integrating so many families and forces with different stances, none of the goblins here would think it is a simple matter. Even if someone can do it, it will take years to operate, and it will also need the acquiescence of the top management of both parties, including the mysterious man.

If these people don't join forces, Gringotts can give a little profit to get the cash from each of these people. However, when these people unite, Gringotts can be said to be negotiating with almost the entire wizarding world in Britain.

If you can still argue slowly in normal times, it's just that in this critical moment when you have to race against time, if Gringotts doesn't prepare for a massive hemorrhage of the level of an artery rupture, it seems that it won't be able to get through this level.

Grancher quickly regained his composure and asked, "What are their demands?"

"They want to buy the real estate in our hands and the equity we invested in." Taloshir said with a wry smile.

Grancher leaned on the chair and was silent for a while. Soon, he made up his mind.

Grancher ordered: "Taro Hill, take the contract to talk to them. As long as their request is not too excessive, you agree to them and try to bring back the gold coins in their hands before noon. As long as Gu Lingge is still alive, and there will be other ways in the future."

"Dessa, take the Galleons, go to Rita Skeeter, and ask her to write a news article for us right away, telling wizards all over the UK, all over Europe, and all over the world that Gringotts has sufficient funds to let us know. The wizards don’t need to rush to withdraw the money. Go to the Daily Prophet and let this news appear on the front page tomorrow. Then take this news to the European continent, America and Asia. You can pay whatever price they ask. Give as much as you want, don’t spend your time bargaining, what we are short of now is time.”

"Zubin, continue to withdraw funds from branches in other European countries. Colehan, you go to the United States immediately and withdraw funds from there. Let's deal with today first. After the news is published tomorrow, the form will be different. Getting better.”

"After Christmas and New Year, it's the annual reckoning time. If the situation doesn't improve, we can use this as an excuse to only open for half a day."

After Grancher gave the order, he leaned back on the chair tiredly and sighed deeply.

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