Chapter 4645

Good service from China United Commercial Bank! efficient! In addition, it has also launched a "Fengshen wind investment fund" with a minimum return of 10%. At present, only users of "China United Commercial Bank" can buy this fund.

Although it is said that the limit of 100000 yuan is enough for the vast majority of ordinary depositors. In this way, we can surpass the four major banks in service, efficiency and revenue. In this case, it is almost obvious what kind of choice depositors will make. In particular, word of mouth has it that on almost the same day, hundreds of thousands of depositors went to withdraw their money and deposited it in China United Commercial Bank.

Before that, for many people, Lin Feng's Fengshen wind investment fund was still a little worried. After all, although Lin Feng's reputation is good, it's real gold and silver. For the Chinese people, it's a bit worrying to invest the money in Lin Feng. What's the risk? After all, the money they put in is a coffin book. In this case, if the money is lost, it's over.

Although Lin Feng has a "second bank", it only has banking windows in a few places, such as Beijing, Shanghai, Guangzhou, and so on. This is more or less inconvenient. Moreover, Lin Feng launched the Fengshen wind investment fund in the name of Fengshen Investment Co., Ltd., not in the name of the second bank. This is naturally worrying.

But now it's different. It's issued in the name of "China United Commercial Bank", which makes an essential difference. So big banks here, even if the loss, but also afraid of the bank run? This is obviously impossible.

Therefore, at this time, the branches of China United Commercial Bank were crowded. The service number of this queue is directly beyond three digits, and there are still people coming in an endless stream to wait in line.

Of course, on the other side, the four major banks are also crowded. The service number of the queue is beyond three digits, and there are still a lot of people waiting in line. But the mood on the faces of the staff of the two banks is totally wrong.

This side is happy and smiling, the other side is sad. On one side, they come to save money, but on the other side, they come to withdraw money constantly. Although it is said that the four major banks have announced the stipulation of making an appointment to withdraw the money from the time deposit book 15 days in advance, this time, we are not here to withdraw cash, we are here to transfer money. You said no cash, OK, we don't embarrass you. But why, you are not allowed to transfer money with us! This is why! Do you need cash?

Transfer but a little cash do not need! It's just the rotation between the numbers. According to the rules between banks, the money will be settled together in the future. It doesn't mean that you transfer money from one bank to another, and then the bank will settle the bill immediately. It's impossible. It is usually divided into the end of the month to settle accounts. As soon as we hedge the transfer items between each other's banks, we will transfer the more and make up for the less.

This completely belongs to the transfer of the book number. Why don't you allow me to transfer! For what?

On this side, everyone happily saves money and then deposits it into Fengshen Fengtou fund, waiting to count the money. On the other side, there was a lot of noise, and the staff and the depositors were very angry.

The strong contrast between the two sides makes depositors feel more rebellious. This, of course, is a headache for the four major industries.

"What to do? What shall we do? " The four presidents are in a mess at the moment.

Now, the other party doesn't withdraw cash and directly asks for transfer. This reason is natural and written in the contract. Banks have no right to stop it. And the state also encourages banks to communicate with each other. If they stop it, they must face the accusation of thousands of people. If you don't stop it, all the customers will be lost, and they will be in big trouble. It's not just about customer churn, it's more likely to lead to problems in their accounts. After all, their money has been lent out. If you want to recover these funds, it doesn't mean that you can recover them if you want to. Because these funds are either used by enterprises for turnover, or they have become dead accounts that cannot be recovered. In this case, if you collect all the depositors' funds, it will kill them!

So, for the big four, it's almost a moment of life and death. However, they found that they did not seem to have any countermeasures. How to deal with it? How do depositors cope when they want to leave?

It's also a mess at the moment. Now the answer from the CBRC is that the qualification certificates are valid. Although they are special cases, they are real and valid. If we want to ban these 28 banks, except Lin Feng's "second bank", the other 27 banks will suffer a heavy blow. Because their funds have been united, the merger is not easy, and it is even more difficult to open it.

In particular, the people have accepted the merger. If you take it apart, the people will be more at a loss. It will make people think that the bank is reliable or not. After all, it's too much of a joke for you to say "merge" or "split". If not, these 27 banks are likely to go bankrupt. With their collapse, China's financial order is bound to be in chaos. Although it is said that people may continue to return to the four major banks, their trust in banks will certainly decline. Moreover, it is more difficult for private capital to operate again. This is China's economy. It's not going forward, it's going backward. In this way, China's modernization process will also be affected.

Such a thorny problem makes it impossible for Mr. A to ban it by force. Because a lot of people won't agree. I can only blame myself for being delayed by the two gentlemen, which led to the quick completion of this matter.

"Special case, special case!" Mr. A is gnashing his teeth.

"Isn't that good? In market economy, naturally, everything should be said by the market. The modern economy must flow. If we stick to the rules like in the past, like a stagnant water, then China's economy will never take off! It is even more impossible for China to achieve a well-off society for all. As for becoming a developed country, it is even more a dream. Only in this way can the capital spread and the banks enter the competition, so that the Chinese dream can be realized! " Mr. Xi raised his voice.

"Well, such a Chinese dream may also bring disaster. Capital flow will lead to the formation of plutocrats. Just like capitalist society, the society will be controlled by evil capitalists. The common people will be fed by the capitalists. Is that a good society? " Mr. a countered.

"Capitalist society, of course, is not good. But it has its good side. We should treat this problem dialectically. They can provide people with high welfare, which is what we need to learn. Our country is still very poor, the people are not rich, and we can not provide a high welfare society. But it's our goal. Now, we are making a little progress. " Mr. Xi said with a smile, "I think this time, it's a big step forward. Mr. A, you should see the positive side. Common prosperity, this time, Lin Feng achieved common prosperity. The minimum income of 10% every year can not only keep the people's money from devaluation, but also make a profit. In this case, I think it's excellent. We should support it! "

"What can he do if he can't guarantee 10% of the annual revenue? That would be a Ponzi scheme! " Mr. a sneered.

"I think he can do it. If not, of course, it will be the responsibility of China United Commercial Bank. I believe that he will not deceive the public. " Mr. Xi is confident. He was a little worried about Lin Feng's character. He was too impulsive. But he is very confident in Lin Feng's ability. Since Lin Feng promised, he will certainly do it. What can't be done, Lin Feng won't promise.

"Well, even if he can do it, what about the four lines? Are you going to beat the big four? Don't tell me about free competition. In this matter, I believe you know more about the consequences of the collapse of the four major banks than I do! In particular, Lin Feng has never been an obedient person. He won't listen to you later. What should he do? Without the four major industries, I see how you can control the macroeconomic trend in the future! " Mr. a said coldly.

Four lines! The two gentlemen have dignified faces. It's true that free competition is good, but it's not good if the big four companies fail. That way, China's economy will still suffer a heavy blow. After all, there are four major banks in China, and the state can adjust and control the economy more conveniently on the macro level. Without the four major banks, to be honest, although Lin Feng's "China United Commercial Bank" can completely replace it in business, it can't do so in terms of national policies. Because the bank has the final say, but the private capital bank. What if Lin Feng doesn't cooperate? There's a real possibility that this guy won't cooperate. By then, we'll be in trouble. Moreover, although they support Lin Feng, they do not want absolute monopoly.

Now Lin Feng's various means are monopoly. We can compete with each other for this high-quality service, but the four major banks do not have Nuwa, and there is a minimum of 10% of the revenue, and the four major banks do not have Nuwa. There is no competition among the four major industries. In the end, it broke down. That's the trouble.

It's never a good thing to have a single family. Especially in China's banking industry, it is not a good thing that one bank is dominant.

"Well, you know the seriousness. In my opinion, this time, we have to ban the "China United Commercial Bank". Although there will be a lot of trouble in banning it now, it is better than that it will last forever. He's not the one you can control if you want to! " Mr. a suggested.

Ban? The two gentlemen refused directly.

This situation is what they want. Ban, that's a slap in the face! Absolutely not!