Chapter 3761

Boeing President Philip condy continued 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, with great cooperation, announced that he would invest US $70 billion to build a "Boeing theme park" with Boeing company. At the same time, he planned to invest US $100 billion in the next five to ten years to build space tourism services, and will introduce more high-tech companies into Abu Dhabi, making Abu Dhabi the most advanced city in Arabia.

Of course, it's not enough just to publicize the capital of science and technology. Kangdi directly used its contacts on Wall Street to make a series of financial investment companies on Wall Street question the deal between Airbus and Emirates.

The front page headline of the Wall Street Journal: crisis under perfect trading In this column, the Wall Street Journal quoted Alex, an analyst who graduated from the Economics Department of Cornell University and has been working on securities trading and capital operation on Wall Street for 20 years, as commenting on this issue. In this transaction between Airbus and Emirates, it seems that the four sides are win-win, Airbus, Emirates and Lin Feng, Dubai is the winner. But after careful analysis, there is a huge loophole in this seemingly perfect transaction, that is, the capital operation of Lin Feng's "second bank"‘ Can the second bank carry such a huge amount of capital?

After citing Alex's query about the capital operation ability of the second bank, the Wall Street Journal published the economic operation of the second bank.

Second bank, formerly Standard Chartered Bank, was acquired by Lin Feng. At present, according to market statistics, Lin Feng holds 48.87% of the shares. At present, the market value of second bank is about 42 billion US dollars, and its deposit balance is about 220 billion US dollars! According to the regulatory red line of deposit loan ratio of international banks, once the deposit loan ratio of banks exceeds 75%, the banks will be in a dangerous situation. In case of any sudden situation, such as the investment loan can not be recovered due to the poor operation of an enterprise, it is very likely that there will be a run. In case of a run, the deposit customers withdraw a large amount of cash, the banks will go bankrupt.

At present, the second bank's investment in the real estate sector is about US $75 billion. Second bank and second world cooperate. All second world members can purchase any second world products through second bank loans. According to the Wall Street Journal, the loan is about $35 billion a year.

These two aspects of loans were the main lending directions of the "second bank" before. Together, it's almost $110 billion, just half of its $220 billion deposit balance. The deposit loan ratio is extremely reasonable, and the capital turnover is also in an excellent state.

However, if we add the $95 billion loan of Airbus, it will be a total of $205 billion, while the total deposit of the second bank is only $220 billion, and the deposit to loan ratio is as high as 93.18%, which is a high risk. Once there is a problem in one of the links, there will be a domino effect directly, and the "second bank" will not be able to meet the withdrawal requirements of deposit customers.

The second bank is in danger—— This is the final conclusion of the Wall Street Journal, and calls on customers who deposit in the "second bank" to withdraw their funds as much as possible, so as to avoid the failure to withdraw their deposits.

This conclusion is undoubtedly insidious. If all deposit users withdraw money at this time, there will be a run‘ Second, it is impossible for the bank to provide so much money for customers to withdraw cash. Once a run is found, the bank's share price will suffer a sharp drop. And the withdrawal run of ordinary customers will also bring the trust crisis of large enterprise customers. Once a large enterprise customer withdraws cash, the "second bank" will have to go to the loan customer to ask for funds. And once asked, it will lead to those customers who can not repay the loan funds, leading to their operational difficulties. If this vicious circle continues, the bankruptcy of the second bank is 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 "second bank". Once the "second bank" goes bankrupt, the trust mechanism of the "second world" will no longer exist, and Lin Feng's biggest money printing machine will no longer exist. Then Lin Feng's "second Consortium" will also be in crisis.

To the Wall Street Journal's surprise, however, the expected run did not appear. Originally, the Wall Street Journal also sent special personnel to its headquarters in Hong Kong and its branches in several major cities in China, ready to take pictures and make headlines. The title is all written - the second bank runs, Fengshen Shenli is not there.

As a result, the gate of the "second bank" was orderly. Although people came and went in an endless stream, the expected run did not appear. Although some have come to withdraw, the amount of withdrawal is not large. Most of them are hundreds, thousands, tens of thousands.

It's been a long day, but it's depressing for the Wall Street Journal. Of course, the most depressing one is condi. He is ready to take a cut from the bottom and give Lin Feng a hard hand. As a result, who would have expected, this drastic move has no effect.

He does not understand that this is a very serious matter for any depositor. It is related to their funds. How can no one think of the risk and withdraw cash? This is not normal!

The Wall Street Journal continued to watch the next day, but the results of the next day were 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's still the same. Now the wall street journal can't help it.

It's been three days. It's reasonable to say that such an amazing deposit to loan ratio is enough to make any deposit customer worry. This does not mean that those big customers come to withdraw money, at least the small customers, ordinary citizens should come to withdraw money. This is the most normal situation. Because ordinary customers have the worst tolerance. As a result, none of them.

So on the fourth day, a reporter from the Wall Street Journal stopped a customer at the gate of the second bank.

"Hello, sir. Do you know that the deposit to loan ratio of the second bank has reached 93.18%《 A reporter from the Wall Street Journal stopped a middle-aged client and asked.

"Deposit loan ratio? What's the loan to deposit ratio? " The middle-aged man was obviously stunned.

The reporter of the Wall Street Journal was delighted. It seems that these people don't like to watch this kind of news. That's good. As soon as they say it, men are bound to be afraid. When he withdraws money, he will call his friends and friends. This will spread ten times, ten times, hundreds and thousands, which will naturally form a run.

"Sir, the deposit loan ratio refers to the ratio of bank deposits to loans. The higher the ratio, the greater the risk of bank funds. If the international risk index is 75%, more than 75% means that banks may not be able to withdraw cash. Now, the "second bank" is as high as 93.18%, which is a high-risk stage. You see, the bank is calm now. Maybe it will be closed tomorrow! "《 The reporter of the Wall Street Journal was alarmist and had a bad smile on his face. He was ready to wait to see the expression of the middle-aged man's crazy cash withdrawal after he exclaimed and then called his relatives and friends.

Results middle aged man Leng Leng, as if nothing happened in the withdrawal. This time, the reporter was puzzled. What's going on? He's not excited about Mao? Why don't Mao panic?

"Sir, this gentleman, are you not afraid that your money is gone?"《 A reporter from the Wall Street Journal rushed to ask.

The middle-aged man was obviously a little upset.

"It's none of my business whether the deposit loan ratio is high or not." With that, the middle-aged man threw away the reporter and saw that the reporter had to catch up with him. He immediately pointed to the reporter and yelled, "if you want to lean over again, I'm going to shout robbery!"

Depressed《 The WSJ reporter had to step back. He cursed in his heart. What's the matter with this guy? He didn't understand that if the deposit loan ratio was so high, something would happen. If there is any accident, the funds deposited in the bank will be ruined.

Damn, sooner or later, I'll pay you all《 The reporter of the Wall Street Journal stepped back and looked for the target carefully. Soon, I saw a young man with glasses coming. This middle-aged person may not know much about finance, so he thinks it doesn't matter. But this young man should be very cautious. And now the network is very popular, that should be no problem.

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

"Sir, do you know that the deposit to loan 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 out all the money? It's safer to put the money in the bank. " Said the young man with a shrug.

The reporter was puzzled again. What's the matter? Don't you worry about losing money?

"No money?" The young man was obviously surprised, then waved to the reporter, went outside, pointed to the sign above and said, "look what this is?"

"The second bank!" Reporter Na Na said.

"Do you know who runs the second bank?" The young man asked again.

"Lin Feng The reporter replied instinctively.

"That's it! This is Lin Feng's Bank. Lin Feng is so rich. Even if the deposit loan ratio of the bank is 200%, do we need to worry? This is Fengshen's Bank. Will he not give us money! It's funny to ask such a simple question With that, the young man floated in to get the money.

Reporter's silly eyes!