Chapter 413 A major earthquake in the banking industry!
·
Ku Ku Mao
at the same time.
Chen Mo has arrived at the head office of the Central Bank of Yin Yang Kingdom in the capital city.
He took Quan Songyi's check, slapped it on the counter, and said expressionlessly: "Exchange."
The clerk happened to be the one who had just rejected Quan Song Yi.
She gave Chen Mo a disdainful look and said disdainfully: "This bank only cashes our own checks, so you can go."
After saying that, she turned around and started chatting and laughing with the teller next to her, leaving Chen Mo aside.
“International Union Pay stipulates that my check can be cashed at any bank in any country!”
Chen Mo said coldly.
"Assi, shake—it!"
"Are you annoyed? What bullshit International Union Bank, I don't know! If you want to cause trouble again, believe it or not, I will ask the security guards to kick you out?"
"People from Daxia are so incompetent!"
The female staff member said with a stinky face.
"I want to see your leader! Let your leader come out and see me!"
Chen Mo said coldly.
"How shameless are you? You, a Daxia native, are worthy of meeting our leader?"
"Snapped!"
Chen Mo slapped the female staff member in the face.
The female staff member was immediately stunned.
After she came to her senses, she looked at Chen Mo with a look of resentment and screamed: "Security! Security!"
"Someone is making trouble!"
Immediately, several security guards surrounded him.
They didn't ask why, they picked up the electric batons and pointed at Chen Mo.
There is no other reason.
Because they knew that Chen Mo was from Daxia.
In the Yin and Yang Kingdom, no matter how much you bully the Daxia people, the superiors will not care.
However, he hasn't been able to get close to Chen Mo yet.
Bang bang bang!
Leng Feng punches out like a dragon!
One punch at a time, knocking all these security guards to the ground!
"Pull her out for me."
Chen Mo said indifferently.
"Yes!"
Leng Feng went directly to the window, grabbed the female staff member by her collar, and pulled her out violently!
Because the window was too small, all the female staff's clothes were taken off at once, and a lot of skin and flesh was scraped off her body.
She cried out in pain.
Chen Mo stepped on the woman's face and said coldly: "I'll give you one last chance. Will you cash the check or not?"
"what are you doing?!"
At this time, a middle-aged man with a Chinese character and an angry face rushed out of the office angrily.
"Who are you?" Chen Mo said indifferently.
"I am Yang Xianshuo, the president of this bank. Why are you beating my employees?" Yang Xianshuo yelled angrily.
"I asked her to cash a check for me, but she refused to cash it for me and insulted us Daxia people."
"Hit her lightly!"
"I can only count her lucky that I didn't kill her on the spot."
Chen Mo narrowed his eyes slightly.
The murderous aura emanating from Chen Mo shocked Yang Xianshuo.
He could tell that Chen Mo was no ordinary person.
So he said: "What check? Show it to me."
Chen Mo gave the check to Yang Xianshuo.
"This is a Chinese check. Our employees can't understand it. You can change it into a Korean check and I will cash it for you."
"Also, you beat our employees. You must apologize for this."
For Yang Hyun Suk, this is already a big concession.
But when Chen Mo heard his tone that sounded like a gift, he became furious again:
"My check is a legal check. If you can't read it, it means your employee's professional skills are not good!"
"You want me to go back to China and cash the check in Korean? You want me to apologize? It's ridiculous!"
Yang Xianshuo was also angry: "It's shameless! Being able to redeem it for you is already a gift from our intersex people! If you are not convinced, get out immediately! We will not accept barbaric Daxia customers like you!"
Chen Mo glanced at Yang Xianshuo and suddenly smiled.
The smile is full of playfulness.
"Remember what you said, I hope you won't regret it."
"Leng Feng, let's go!"
Chen Mo took Leng Feng and left without turning his head.
Yang Xianshuo looked at Chen Mo's back and cursed: "Ah Xi, he's just a stinky Daxia guy, why are you dragging him!"
"President, why didn't you call the police to arrest him?"
"Look at what happened to me and the security guards."
The female staff member said aggrievedly.
Yang Xianshuo impatiently said: "You can do it! According to the regulations, that check can be cashed by him. If it makes a big fuss, let others know that our bank does not cash checks for foreign customers, it will have a bad impact."
The female staff member had no choice but to nod reluctantly.
After all, this matter was indeed her fault.
That night.
Representatives from several wealthy families and the Hong Kong government flew to Chen Mo's residence in Yin Yang Kingdom overnight.
Chen Mo smoked a cigarette and said in a very light but unquestionable tone:
"Withdraw all deposits in Yin Yang Kingdom!"
"Just tell the truth about the reasons."
"Let's do it tomorrow morning!"
"Yes!"
Early in the morning, the second-ranked financial bank in Yin Yang Kingdom just opened its doors.
Several men in black and a large number of employees walked in holding checks from the bank.
After asking about the identity of the visitor.
This formation scared even the staff.
The bank president rushed out to receive him.
"What? You want...to withdraw all the deposits in our bank?"
When the president of the financial bank heard this, his face turned pale with fright!
The four wealthy families in Hong Kong have deposits in our bank exceeding 200 billion!
If all were withdrawn, it would be a financial disaster!
It may even trigger a major crash in the bank's stock and cause a mass exodus of depositors!
The president said in a trembling voice: "Can...can you do it for me?"
The leading representative briefly explained what happened when Chen Mo cashed the check.
"The nobles of the country must not be humiliated! Daxia must not be humiliated!"
"200 billion, let people withdraw all the money immediately!"
The same thing happened to the other ten major banks in Yin Yang Kingdom.
one day!
It only took one day!
The cash storage of the top ten banks in Yin Yang Kingdom has dropped significantly, and has dropped below the safety line!
Let’s talk about it here, cash reserves.
The earliest goldsmith bankers provided a pure "gold coin storage business". When depositors handed over gold coins to the banker, the banker provided receipts in a standard format. These receipts were "bank notes", "derivatives" of these gold coins. It gradually became the medium of social transactions and was called currency.
At this time, the bank was under a complete reserve system, and it could exchange bank notes for gold coins at any time.Its main income is the "custody fees" paid by depositors.
Over time, the "smart" goldsmith banker discovered that only a few depositors came to ask for the exchange of bank notes into gold coins. Seeing the gold in the gold cellar lying there sleeping, the banker couldn't help but feel itchy, how can he What about “activating” these dormant assets?
There are always people in society who are in urgent need of money, so bankers tell them that they can go to the bank to borrow money, as long as they repay the principal within the specified period and pay some interest.
When a borrower comes to the bank, the banker will issue more bank notes to make the loan and collect interest.As long as the issuance is not excessive, it will generally not arouse the suspicion of depositors.Long-term experience shows that it is safe to issue approximately 100 times more bank bonds.
Since loan interest income is an unexpected windfall, the more the better, so bankers began to attract depositors everywhere. In order to attract depositors, they began to pay interest on the originally charged deposit and custody business.
In modern society, the above-mentioned "gold coins" have become cash.
The currency issued by the Bank of Yin and Yang on the market may be several trillions, or it may be tens of trillions.
But the bank's cash reserves are very small.
These people sent by Chen Mo almost wanted to withdraw all the cash reserves of these banks as soon as they opened their mouths!
Once these reserves are exhausted, the value of the additional "bank bonds" will plummet!
Customers will be afraid that the bank will go bankrupt or be unable to cash out their deposits, so they will carry out panic cashing actions!
Once that kind of chain effect is triggered, the bank will be severely damaged!
Reputation, credibility, number of customers, everything that matters, will plummet!
On that day, the heads of the top ten bank headquarters, who had not met together for more than ten years, rushed back from all over the world to hold an emergency meeting.
"The people sent by Daxia this time are expected to withdraw 3000 billion in cash! What should we do?"
"The bank's reserves have been completely used up today, and customers who came to withdraw money are wondering whether the bank is going bankrupt."
"Our bank can't hold on any longer. Some customers have started to cause trouble and demand that we exchange money."
"The Hong Kong government contacted me today and wants to unilaterally cut off cooperation! We must know that we have spent a lot of money to build our business like a Hong Kong city! What should we do?"
"..."
One bad news after another came out.
Jin Xianxiu, the chief financial officer of the Yin-Yang Kingdom, roared with a livid face:
"what is the problem?"
"Why does this happen?"
"Once all the 3000 billion cash reserves are really taken away, financial turmoil will occur!"
"The banking industry, financial industry, and stock market of Yin Yang Country will have a collapse effect, and the consequences are incalculable!"
"Axi, who can tell me what's going on?!"
Chen Mo has arrived at the head office of the Central Bank of Yin Yang Kingdom in the capital city.
He took Quan Songyi's check, slapped it on the counter, and said expressionlessly: "Exchange."
The clerk happened to be the one who had just rejected Quan Song Yi.
She gave Chen Mo a disdainful look and said disdainfully: "This bank only cashes our own checks, so you can go."
After saying that, she turned around and started chatting and laughing with the teller next to her, leaving Chen Mo aside.
“International Union Pay stipulates that my check can be cashed at any bank in any country!”
Chen Mo said coldly.
"Assi, shake—it!"
"Are you annoyed? What bullshit International Union Bank, I don't know! If you want to cause trouble again, believe it or not, I will ask the security guards to kick you out?"
"People from Daxia are so incompetent!"
The female staff member said with a stinky face.
"I want to see your leader! Let your leader come out and see me!"
Chen Mo said coldly.
"How shameless are you? You, a Daxia native, are worthy of meeting our leader?"
"Snapped!"
Chen Mo slapped the female staff member in the face.
The female staff member was immediately stunned.
After she came to her senses, she looked at Chen Mo with a look of resentment and screamed: "Security! Security!"
"Someone is making trouble!"
Immediately, several security guards surrounded him.
They didn't ask why, they picked up the electric batons and pointed at Chen Mo.
There is no other reason.
Because they knew that Chen Mo was from Daxia.
In the Yin and Yang Kingdom, no matter how much you bully the Daxia people, the superiors will not care.
However, he hasn't been able to get close to Chen Mo yet.
Bang bang bang!
Leng Feng punches out like a dragon!
One punch at a time, knocking all these security guards to the ground!
"Pull her out for me."
Chen Mo said indifferently.
"Yes!"
Leng Feng went directly to the window, grabbed the female staff member by her collar, and pulled her out violently!
Because the window was too small, all the female staff's clothes were taken off at once, and a lot of skin and flesh was scraped off her body.
She cried out in pain.
Chen Mo stepped on the woman's face and said coldly: "I'll give you one last chance. Will you cash the check or not?"
"what are you doing?!"
At this time, a middle-aged man with a Chinese character and an angry face rushed out of the office angrily.
"Who are you?" Chen Mo said indifferently.
"I am Yang Xianshuo, the president of this bank. Why are you beating my employees?" Yang Xianshuo yelled angrily.
"I asked her to cash a check for me, but she refused to cash it for me and insulted us Daxia people."
"Hit her lightly!"
"I can only count her lucky that I didn't kill her on the spot."
Chen Mo narrowed his eyes slightly.
The murderous aura emanating from Chen Mo shocked Yang Xianshuo.
He could tell that Chen Mo was no ordinary person.
So he said: "What check? Show it to me."
Chen Mo gave the check to Yang Xianshuo.
"This is a Chinese check. Our employees can't understand it. You can change it into a Korean check and I will cash it for you."
"Also, you beat our employees. You must apologize for this."
For Yang Hyun Suk, this is already a big concession.
But when Chen Mo heard his tone that sounded like a gift, he became furious again:
"My check is a legal check. If you can't read it, it means your employee's professional skills are not good!"
"You want me to go back to China and cash the check in Korean? You want me to apologize? It's ridiculous!"
Yang Xianshuo was also angry: "It's shameless! Being able to redeem it for you is already a gift from our intersex people! If you are not convinced, get out immediately! We will not accept barbaric Daxia customers like you!"
Chen Mo glanced at Yang Xianshuo and suddenly smiled.
The smile is full of playfulness.
"Remember what you said, I hope you won't regret it."
"Leng Feng, let's go!"
Chen Mo took Leng Feng and left without turning his head.
Yang Xianshuo looked at Chen Mo's back and cursed: "Ah Xi, he's just a stinky Daxia guy, why are you dragging him!"
"President, why didn't you call the police to arrest him?"
"Look at what happened to me and the security guards."
The female staff member said aggrievedly.
Yang Xianshuo impatiently said: "You can do it! According to the regulations, that check can be cashed by him. If it makes a big fuss, let others know that our bank does not cash checks for foreign customers, it will have a bad impact."
The female staff member had no choice but to nod reluctantly.
After all, this matter was indeed her fault.
That night.
Representatives from several wealthy families and the Hong Kong government flew to Chen Mo's residence in Yin Yang Kingdom overnight.
Chen Mo smoked a cigarette and said in a very light but unquestionable tone:
"Withdraw all deposits in Yin Yang Kingdom!"
"Just tell the truth about the reasons."
"Let's do it tomorrow morning!"
"Yes!"
Early in the morning, the second-ranked financial bank in Yin Yang Kingdom just opened its doors.
Several men in black and a large number of employees walked in holding checks from the bank.
After asking about the identity of the visitor.
This formation scared even the staff.
The bank president rushed out to receive him.
"What? You want...to withdraw all the deposits in our bank?"
When the president of the financial bank heard this, his face turned pale with fright!
The four wealthy families in Hong Kong have deposits in our bank exceeding 200 billion!
If all were withdrawn, it would be a financial disaster!
It may even trigger a major crash in the bank's stock and cause a mass exodus of depositors!
The president said in a trembling voice: "Can...can you do it for me?"
The leading representative briefly explained what happened when Chen Mo cashed the check.
"The nobles of the country must not be humiliated! Daxia must not be humiliated!"
"200 billion, let people withdraw all the money immediately!"
The same thing happened to the other ten major banks in Yin Yang Kingdom.
one day!
It only took one day!
The cash storage of the top ten banks in Yin Yang Kingdom has dropped significantly, and has dropped below the safety line!
Let’s talk about it here, cash reserves.
The earliest goldsmith bankers provided a pure "gold coin storage business". When depositors handed over gold coins to the banker, the banker provided receipts in a standard format. These receipts were "bank notes", "derivatives" of these gold coins. It gradually became the medium of social transactions and was called currency.
At this time, the bank was under a complete reserve system, and it could exchange bank notes for gold coins at any time.Its main income is the "custody fees" paid by depositors.
Over time, the "smart" goldsmith banker discovered that only a few depositors came to ask for the exchange of bank notes into gold coins. Seeing the gold in the gold cellar lying there sleeping, the banker couldn't help but feel itchy, how can he What about “activating” these dormant assets?
There are always people in society who are in urgent need of money, so bankers tell them that they can go to the bank to borrow money, as long as they repay the principal within the specified period and pay some interest.
When a borrower comes to the bank, the banker will issue more bank notes to make the loan and collect interest.As long as the issuance is not excessive, it will generally not arouse the suspicion of depositors.Long-term experience shows that it is safe to issue approximately 100 times more bank bonds.
Since loan interest income is an unexpected windfall, the more the better, so bankers began to attract depositors everywhere. In order to attract depositors, they began to pay interest on the originally charged deposit and custody business.
In modern society, the above-mentioned "gold coins" have become cash.
The currency issued by the Bank of Yin and Yang on the market may be several trillions, or it may be tens of trillions.
But the bank's cash reserves are very small.
These people sent by Chen Mo almost wanted to withdraw all the cash reserves of these banks as soon as they opened their mouths!
Once these reserves are exhausted, the value of the additional "bank bonds" will plummet!
Customers will be afraid that the bank will go bankrupt or be unable to cash out their deposits, so they will carry out panic cashing actions!
Once that kind of chain effect is triggered, the bank will be severely damaged!
Reputation, credibility, number of customers, everything that matters, will plummet!
On that day, the heads of the top ten bank headquarters, who had not met together for more than ten years, rushed back from all over the world to hold an emergency meeting.
"The people sent by Daxia this time are expected to withdraw 3000 billion in cash! What should we do?"
"The bank's reserves have been completely used up today, and customers who came to withdraw money are wondering whether the bank is going bankrupt."
"Our bank can't hold on any longer. Some customers have started to cause trouble and demand that we exchange money."
"The Hong Kong government contacted me today and wants to unilaterally cut off cooperation! We must know that we have spent a lot of money to build our business like a Hong Kong city! What should we do?"
"..."
One bad news after another came out.
Jin Xianxiu, the chief financial officer of the Yin-Yang Kingdom, roared with a livid face:
"what is the problem?"
"Why does this happen?"
"Once all the 3000 billion cash reserves are really taken away, financial turmoil will occur!"
"The banking industry, financial industry, and stock market of Yin Yang Country will have a collapse effect, and the consequences are incalculable!"
"Axi, who can tell me what's going on?!"
