The richest man starts with a blind box

Chapter 478
"After I come out of school this time, I'm afraid I'll go directly to a second-line job!" In a small teahouse in BJ, Old Wang said while drinking wine with Huang He.

His face was blushing, and from time to time he showed an expression of extreme pain.

After all, Lao Wang is only 55 years old now, and he is the governor of the provincial bank. The chances of going further are still very high, but now he has to go to the second line. Who can bear it.

"What's the situation, isn't that chairman not working for a long time, is he about to leave?" Huang He asked curiously.

"Yes, he can't stay, but before he leaves, he has to make arrangements for himself!" Lao Wang sighed and said, "It's better for the county magistrate to manage now. As long as he is the chairman of the board, he can still own the personnel of the company." Stewardship."

"He is now planning to assign several of his confidants to important positions, so that after he leaves, he will not be completely deserted, and he can still have a certain right to speak."

"But there are only so many vacant positions now. My provincial governor's position happens to be one. Anyway, I am studying now. It is normal to change someone."

"And I am one with you. Although the chairman withdrew the lawsuit at a critical moment, it doesn't mean he doesn't hate you anymore. After all, as long as you obediently confess and hand over the company to him, he will Then you can become the president of the World Bank, but if you want to resist, you will offend him!" Lao Wang said with a smile, "So, I am also unlucky, and there is no way I will have a chance to make a comeback."

"Well, the feelings are according to what you said, and I made a mistake in resisting!" Huang He said with a grin.

"You're right, he's right, it's just my bad luck!" Old Wang was getting more and more drunk, and there were more and more grievances in his words, just like a prostitute.

"What if I can help you reinstate the officer, or even go a step further?" Huang He asked lightly.

"Impossible!" Old Wang waved his hand and said, "He hates us two so much, he won't allow me to get better."

"That's not necessarily true!" Huang He smiled slightly and said, "You and I are grasshoppers on the same rope. I will never let you go to the current situation because of me. Just wait and see me." How can I help you make this thing beautiful!"

"And your bank seems to have forgotten how serious the consequences you owe this time!"

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With the passage of time, the sudden battle against the Jiangnan Group seems to have ended so silently. In fact, apart from the storm caused by the previous executive's violation of the FY policy, the rest of the incident What happened has little impact on society.

Among ordinary people, almost no one knows that the entire Jiangnan Group almost changed its name.

However, in the circle of entrepreneurs, this time the incident has spread wildly.

No way, what GH did this time is really too much, and it has already touched the bottom line of many private entrepreneurs.

That's right, although I did borrow money from you, and although I may have used the loan in violation of the regulations, everyone agreed by default. How could you use this method to swallow my business.

Although this time it only happened to one company of the Jiangnan Group, but if there is one company, there may be a second one, so the matter is extremely popular in the whole circle, and almost all entrepreneurs know about it, which leads to the reputation of GH. Serious damage has occurred, and the evil consequences that Huang He said have gradually emerged.

The number of corporate loans of GH Bank began to decline sharply. September is the peak period of corporate development and also the peak period of loans. Many companies will repay their debts this month and continue to bring in more funds.

But soon, the staff of GH discovered that after paying off the loans, many companies would no longer continue to bring a new sum of money to maintain operations as before.

This is very unbelievable, because the cash flow of most enterprises is very tight. How can they be like Boss Huang, who holds billions of dollars in cash in his hands? Under normal circumstances, 10% of enterprises are operating in debt. .

So when they finish repaying the old loan, they have to borrow a new loan, because almost all the money they use to repay the loan is borrowed, and the interest is very high, so they have to find a way to repay it in a short time.

The best way, of course, is to take out a new loan.

This kind of business is already very mature within the bank. According to the previous rules, the company will re-apply for a new loan one or two days after the old loan is completed. Because of the previous cooperative relationship, the company will basically choose to borrow from the original bank. These are the private plots of the banks, the reserved market share.

But now, this part of GH's private land in the market has suddenly lost about 20%.

That is to say, 1/5 of the enterprises did not choose to borrow immediately after repaying the loan, but when the salesperson responded and asked, they found that these enterprises had already taken loans from other banks.

In other words, this piece of private land that originally belonged to GH is gone.

This made GH panic immediately. For a bank, the loan business is their main business, and corporate loans are one of the most profitable businesses, second only to the mortgage business.

The number of corporate loans of a bank often determines the scale of the bank's development, and this loss of 20% of private land is enough to cause the entire market value of GH to lose more than 100 billion.

GH immediately began to investigate the reason, and then realized that it was the follow-up impact of the previous Jiangnan loan incident. These 20% of the companies felt that GH was unreliable, and they were afraid that they would follow in the footsteps of Jiangnan Group. They did not Huang He's ability can turn things around with just a few phone calls.

So far away from the GH better.

This result made GH stunned, and at the same time, he was burning with anxiety. He hated the chairman even more. It is said that in the entire interior, someone has already pointed at his spine and cursed.

After all, the chairman retired after slapping his ass, and he can ignore the flood after his death, but the current executives like them will be miserable, and these failures in performance will be counted on their heads, and it will be difficult for them in the future Take it a step further.

As a result, when GH was feeling anxious about this, an amazing news came, that is, the financial department of Jiangnan Group is planning to transfer the funds in the accounts of its various companies.

And once the funds in the account have been transferred, they immediately apply for cancellation of the account. In the blink of an eye, 60% of the Jiangnan Group's accounts in GH have entered the cancellation review process, and the remaining 40% of the accounts are also transferring funds. If it is not because of some procedures Stuck, I am afraid that these accounts will also enter the cancellation process.

"It's over, once Jiangnan Group withdraws, our GH will be on the front page again!" A senior executive said painfully.

"It's not just as simple as the headlines on the front page? Jiangnan Group's monthly capital flow in our bank exceeds 50 billion yuan, and it is 600 billion yuan in a year. In addition, the Jiangnan Bank's funds in our bank, combined There are also nearly 30 billion or so, and these funds will also leave together, and our financial report this year may directly decrease by a few tenths of a percentage point!" Another senior management
"You guys are thinking too well. It's not just a few tenths of a percentage point? I just received the news that the Jiangnan Council under the Jiangnan Group and the accounts of their companies have all started to transfer funds. I'm afraid it will follow from tomorrow. The account has been canceled. I heard that several other banks have already heard the news, and the presidents of their provincial banks almost have to live in the Jiangnan Group headquarters to wash Huang He's feet, begging Huang He to transfer their company's funds to It's in their bank."

"Is there such a thing? How could this Jiangnan Group have such a big influence?"

"Such a big influence? You are wrong, there are even bigger ones! Have you forgotten that the Jiangnan Group led the establishment of a China Electronic Technology Industry Development Alliance?"

"Originally, because of our long-term cooperative relationship with Jiangnan Group, the various accounts of this alliance must be opened in our bank, and there are currently more than 600 companies in this alliance, and these more than 600 companies have more than 600 related accounts. , the combined monthly turnover of these 600-plus associated accounts may exceed [-] billion."

"Now that the Jiangnan Group is going to withdraw, these accounts must be gone. I just don't know which bank will be cheaper in the end, so that their performance this year will directly increase by 1 percentage point."

"How could Jiangnan Group do this? We cooperated so well before and even made an exception to give them a loan of 10 billion US dollars. At that time, who else but our bank had the courage and courage to give them such a large loan, but now they are falling into trouble, it is simply too heartless Already!"

"Yes, it's so heartless!" Several executives who were chatting agreed in unison.

Well, it must be the Jiangnan Group that has no conscience, it cannot be them.

"However, Jiangnan Group's conscience is gone, we are really going to be miserable!" An executive with only a few stubborn hairs left sighed, "Have you ever thought about a more terrifying situation? According to my knowledge You know, the entire private enterprise circle is now paying attention to Jiangnan's affairs, that is, once Jiangnan Group leaves, it may trigger an even greater wave of withdrawals. I am afraid that many companies will completely withdraw from the cooperation with our bank like Jiangnan Group At that time, I am afraid that the loss will not be a few percentage points, but a dozen or even dozens of percentage points.”

"..." Everyone stopped talking. Thinking of this situation, each of them felt icy cold.

You know, GH has just become the bank with the largest market capitalization in China. It is likely that they will fall to the last large bank in a few months, and they will become the eternal joke of the entire banking industry.

"It seems that the only plan for now is to let one person step in to save the crisis!" One of the oldest executives stood up and said.

(End of this chapter)