Rebirth of the Evil Life
Chapter 4008 You're Crazy
Boeing President Philip Conti continues to launch satellites there, gritting his teeth, and must surpass Airbus, let Abu Dhabi surpass Dubai, and give Lin Feng a good look. Chief Khalifa II is also very cooperative, announcing that he will invest US$70 billion to jointly build a 'Boeing Theme Park' with Boeing Company. He 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 into Abu 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 - "Peril in Perfect Deals!" 》In its column, the Wall Street Journal quoted Alex, an analyst who graduated from the Department of Economics at Cornell University and has been working in securities trading and capital operations on Wall Street for 20 years, as commenting on this matter—— In this transaction between 'Airbus' and 'Emirates Airlines', it seems to be a win-win situation for all parties. 'Airbus', 'Emirates Airlines', Linfeng and Dubai are all winners. However, upon careful analysis, this seemingly perfect transaction contained a huge flaw, which was the capital operation of Lin Feng’s ‘Second Bank’. Can the ‘Second Bank’ handle such a huge capital operation?
After quoting Alex’s doubts about the financial operation ability of the ‘Second Bank’, the Wall Street Journal later published the economic operation status of the ‘Second Bank’.
‘Second Bank’, formerly Standard Chartered Bank, was acquired by Lam Feng. Currently, according to market statistics, Lam Feng holds 48.87% of the shares. The current market capitalization of ‘Second Bank’ is approximately US$42 billion, and its deposit balance is approximately US$220 billion! According to the international bank loan-to-deposit ratio supervision red line, once the bank's loan-to-deposit ratio exceeds 75%. Then 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, a run is very likely to occur. Once a run occurs and deposit customers withdraw cash in large quantities, the bank will go bankrupt.
Currently, the ‘second bank’ is in the real estate world. The amount of investment from the business community is approximately US$75 billion. As for the cooperation between 'Second Bank' and 'Second World', all members of 'Second World' can obtain loans through 'Second Bank' to purchase any of 'Second World' products. According to an assessment by the Wall Street Times, its annual loan funds are approximately US$35 billion.
Loans in these two areas were the main lending directions of the ‘Second Bank’ before. That adds up to almost $110 billion. Exactly half of its $220 billion deposit balance. Its loan-to-deposit ratio is extremely reasonable and its capital turnover is in excellent condition.
But if you add the US$95 billion loan from Airbus, the total amount is US$205 billion. The "Second Bank" only has a total of US$220 billion in deposits. Its loan-to-deposit ratio is as high as 93.18%, which is already a high risk. Once there is a problem in one of the links, a domino effect will occur directly, 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 money in the Second Bank to withdraw their funds as much as possible to avoid the eventual failure to withdraw their deposits.
This one sums it up. It 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 a run is discovered, bank stock prices will suffer heavy losses. And the run on withdrawals by ordinary customers will inevitably bring about a crisis of trust among large corporate customers. Once large corporate customers withdraw their funds, the 'Second Bank' will inevitably go to the loan customers to ask for funds. And once they ask for it, it will cause those loan customers to be unable to repay the funds, causing their operational difficulties. If this series of vicious cycles continues, 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 credit system of the ‘Second World’. Today’s ‘Second World’ credit system is based on the guarantee of the ‘Second Bank’. Once the 'Second Bank' goes bankrupt and the trust mechanism of the 'Second World' is no longer there, then Lin Feng's biggest money printing machine will no longer be there. 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 the Hong Kong headquarters and branches in several major cities in China to prepare to take pictures and then make headlines. The title is all written - there is a run on the Second Bank, and the God of Wind is not there.
As a result, on this day of squatting down, 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 some people came to withdraw cash, the withdrawal amount was not large. Most are hundreds, thousands, tens of thousands are rare.
Staying like this for a day made the Wall Street Journal depressed. Of course, the most depressed person is Kandi. He was ready to pull the trigger and give Lin Feng a hard blow. As a result, who could have expected that this move to draw out the firepower would have no effect.
He didn't understand. This was an extremely serious matter for any saver. 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 result was still the same. The door of the Second Bank was in good order, and there was no run 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 loan-to-deposit ratio is enough to worry any deposit customer. Not to mention the big customers who come to withdraw money, at least the small customers and ordinary citizens should come to withdraw money. This is the most normal situation. Because ordinary customers have the worst tolerance. As a result, there was none.
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 overjoyed. It seems that these people don't like to read this kind of news, so that's fine. When they say it, men will definitely be scared. When he withdraws money, he will call his friends, and this will spread to ten, ten to hundreds, and hundreds to thousands, which will naturally cause 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's ratio is as high as 93.18%, which is already a high-risk stage. You see, the bank is in a calm state now, and it may be closed down by tomorrow!" The reporter from the Wall Street Journal said with a 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 for a moment, then went in to withdraw money as if nothing had happened. This time, the reporter was extremely puzzled. what on earth is it? Why isn't he excited? Why don't you feel panic?
"Sir, sir, aren't you afraid that your funds are missing?" The Wall Street Journal reporter 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. Cursing in his heart, what's wrong with this guy? He doesn't understand what could happen if the loan-to-deposit ratio is so high. If something unexpected happens, the funds stored in the bank will be ruined.
Damn it, I'll pay you all sooner or later! The "Wall Street Journal" reporter retreated outside angrily, looking for the person carefully. Not long after, I saw a young man wearing glasses coming over. This middle-aged man may not know much about finance, so he thinks it doesn't matter. But this young man should be very cautious. And the Internet is very popular now, so that should be no problem.
Immediately, the reporter stopped the young man who was about to enter 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 delighted.
"Are you going to withdraw all the money?" the reporter asked again.
"Why take all the money out? It's safer to put it in the bank." The young man said with a shrug.
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 replied instinctively.
"Isn't it settled! This is a bank opened by Lin Feng. Lin Feng is so rich. Even if the deposit-to-loan ratio of this bank is 200%, do we need to worry? This is Fengshen's bank, will he not give us money! You actually asked such a simple question, Xiudou!" After saying that, the young man went in to withdraw the money.
Reporters were dumbfounded!
\u003c!----\u003e
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