Chapter 1228 The Miserable Zhang Bingqian

Xie Liyuan Gold Shop received no penny from selling gold coupons in the past few years to buy gold for reserves. Instead, it was used by Xie Liangzong to do other businesses.

And he is still in the real estate business!

Now that Xiangjiang's real estate is about to collapse, Xie Liangzong will never get back all the money he invested!

In a few days, the daily gold exchange of 1 million Hong Kong dollars will be forced to stop, and everyone’s hard-earned money will never be returned! !

I don’t know where this rumor originated, but it spread very quickly, as if it spread throughout Xiangjiang City in an instant.

What do people in banking business fear most?

Definitely not any loss, but fear of a run!

It is no exaggeration to say that if any bank faces an irrational run, they will definitely not be able to withstand it with their own strength and will definitely collapse.

Regardless of whether you are HSBC, Citibank, Royal Bank of Scotland, etc., as long as you encounter a never-ending wave of panic runs, you will definitely collapse.

the reason is simple.

No bank will keep depositors' money in its own vault.

That's what fools do.

Every depositor has to pay interest on their deposits. Even if the deposit interest in Western countries is not high, they still have to pay money.

One person’s interest is not much, a thousand people’s interest is not much, but the interest of one million or ten million depositors is much, right?

Even if this fee is insignificant, if the bank takes the funds and puts them in the vault, but does not do any business, does not make loans or make investments, where does your profit come from? Where do your expenses come from?

Therefore, when banks take deposits from depositors, they must do business. They are equivalent to borrowing private money and pooling it to do business.

This is actually the same as private borrowing money to do business, except that banks have higher credibility and it is easier to obtain private deposits - that is, borrow money.

However, banks' ability to resist risks is actually not as high as everyone imagines.

Unless these banks are born in China and are endorsed by the national government, no matter how big the issue is, as long as the country does not go bankrupt, these banks will not go bankrupt.

With such confidence, all state-level commercial banks in China have never had any bank runs. This is also the happiness of these banks.

Foreign banks are different.

Their commercial banks are real joint-stock companies and are responsible for their own profits and losses. Unless they control too many people's deposits, their collapse will cause violent shocks to the country, and foreign governments will never get involved.

Many large banks in history failed like this.

This is especially true for banks in Hong Kong.

This small area is crowded with hundreds of bank branches, as well as many more financial companies and bank offices. This has led to extremely fierce competition among them, and they have gone bankrupt from time to time in the past.

Even banks are like this, so if a mere Xie Liyuan Gold Shop encounters a run, it will be even more unsustainable.

Sadly, on the morning after this rumor spread, the doors of several Xie Liyuan Gold Shop stores were crowded with people.

No matter how they explained it, everyone just didn't believe it and asked Xie Liyuan Gold Shop to redeem the gold coupons in their hands immediately.

People have a herd mentality.

When they saw so many people gathering around to settle accounts at Xie Liyuan Gold Shop, others panicked and hurriedly got gold coupons at home and rushed over.

As a result, more and more people gathered at the door of the gold shop, and the shop assistants were so frightened that they did not dare to open the door at all.

In the end, the police arrived and finally maintained order.

Xie Liangzong, who rushed over from home, was immediately invited to the office by the financial department staff for investigation.

This scene was recorded by news cameras, and countless people in Hong Kong saw this scene.

Among them was Yin Jun.

Also included are Guan Zhilin, Guan Sihua and Zhang Bingqian.

Although everything in the training camp was really done according to the training of police officers and opera apprentices, there was no rest all the time. The training instructor gave the seven girls one day off per week to let them relax. There is a degree.

Last night, Guan Zhilin was taken home by Yin Jun, and then the girl softly asked Yin Jun to stay in her boudoir for the night.

Originally, Yin Jun was reluctant to live in Guan Zhilin's house, and was a little embarrassed.

But he was the worst at refusing Guan Zhilin's request, so he finally settled in, but the young couple didn't do anything, because Guan Zhilin fell asleep just after washing up, without waiting for Yin Jun to sleep next to her.

After a solid night's sleep, Guan Zhilin was full of energy when she woke up in the morning. She helped her mother make breakfast and laughed happily, full of the innocence and romance that a girl should have.

Zhang Bingqian is very satisfied with this and feels that this is what a family looks like. It would be even more perfect if Guan Zhilin could be pregnant with Yin Jun's child earlier and hold this son-in-law firmly in the palm of her hand.

However, Zhang Bingqian's good mood did not last long.

When she saw such a news in the morning news broadcast truck of Kylin TV, the milk glass she was holding fell directly on the dining table, breaking a plate with a clang.

Snow-white milk flowed all over the table.

Guan Zhilin was just screaming when she saw her mother's face turned pale.

"Mommy? Mom...what's wrong with you?" Guan Zhilin's heart was shocked, and she quickly grabbed her hand, "Do you feel uncomfortable somewhere? Do you want to call the doctor...Brother Jun...Brother Jun..."

She was also in a panic. When she was calling Yin Jun, who was sitting next to her, she suddenly heard Zhang Bingqian say "Wow" and burst into tears.

"What...what's going on?"

Guan Zhilin was so frightened that Guan Sihua over there was so frightened that she also started crying.

Yin Jun was also a little confused, but he didn't panic. He motioned to Guan Zhilin to comfort Zhang Bingqian, and then motioned to the servant not far away to come over and quickly clear the table.

Then, Yin Jun watched the news on TV, and then looked thoughtfully at Zhang Bingqian who was crying.

Could it be...

Could it be that this mother-in-law is so unlucky?

After a while, Zhang Bingqian finally stopped crying. Under her daughter's constant questioning, she sobbed: "I...I spent all the money at home to buy gold coupons from Xie Liyuan Gold Shop!!"

"ah!?"

Even though Guan Zhilin didn't know much about financial management, her eyes widened: "Bought them all?"

"Yes, I bought it again in July." Zhang Bingqian was a little timid, "Didn't I get deceived the last time I raised funds? I just thought that buying gold would be the best way to preserve its value! Xie Liyuan Gold Shop's gold coupons not only count The quoted price on that day can also be used to calculate interest... In addition, in the past year, house prices have risen too much, and I am afraid of the real estate crash, so I bought a golden coupon!"

Yin Jun smiled bitterly when he heard this.

At first, Guan Zhilin told him that Zhang Bingqian no longer invested randomly but bought gold. He was still grateful and happy at that time.

Unexpectedly, Zhang Bingqian ran into the only big loophole in buying gold.

But then I thought about it, Zhang Bingqian was not someone who had traveled through time. Xie Liyuan Gold Shop was so famous in Xiangjiang, so of course it was worthy of the trust of many people.

Xie Liyuan Gold Shop...

Um?

Wait a minute!

It seems that the collapse of Xie Liyuan Gold Shop was a trigger?

It seems to have caused a series of huge accidents! ?

Yin Jun's own memory is very good, and with the bonus of time travel, many memories that were originally vague can be deeply impressed.

But the problem is that his focus is on entertainment. He only remembers roughly the things about Hong Kong's economic collapse and crisis. How can he remember them all?

If you remember everything, you will be a god!

Therefore, no matter how much Yin Jun thought, he could not figure out what the series of accidents was for a moment.

It’s definitely not small anyway.

"Brother Jun...Brother Jun..."

At this moment, Guan Zhilin gently pushed Yin Jun. When Yin Jun raised his head, he saw Guan Zhilin's big, worried eyes.

"Brother Jun, don't blame mommy, she didn't want to do it this time~~"

Guan Zhilin thought that Yin Jun was blaming Zhang Bingqian for ruining the family's fortune again, and was begging her mother in a soft voice.

That's right.

Guan Zhilin makes money easily.

Because she is Yin Jun's official girlfriend, her status is far ahead of all Yin Jun's girlfriends in the rumors and gossip in the world, and she has almost been predetermined to be the lady of the Yin family.

Therefore, whether Guan Zhilin is in a TV series, a movie, or an advertising endorsement, she is always paid according to the price of a super star. ——For an advertising endorsement, if you don’t give me 500,000 or 1 million, are you embarrassed? Do you have any objections to Mr. Jun? Do you think his girlfriend is not worth the price for your advertising endorsement?

She is not as good as the top male stars such as Zhou Yunfa, Leslie Cheung, Fei Xiang, Cheng Long and others, but among female stars, she is one of the highest.

Only Zhao Yazhi, Zhong Chuhong and Weng Meiling can compare with her.

Therefore, Guan Zhilin can easily earn three to five million every year in the past two years.

Compared with those traffic florets in the future, this amount of money is of course nothing, but if you want to calculate the current housing prices in Xiangjiang, then Guan Zhilin actually earns in a year, which is equivalent to 3.5 billion in 2020.

It’s really a lot!

At least Zhang Bingqian was very satisfied.

But after learning from the last high-interest investment, Zhang Bingqian no longer dares to touch those high-risk projects.

Zhang Bingqian thinks the same way about real estate.

In addition, Yin Jun is a real estate tycoon himself. In the past two years, he held a large amount of land resources and a type B land exchange rights certificate, so Zhang Bingqian felt that buying real estate was completely unnecessary.

Therefore, she chose the safest investment in gold, and she only invested in this.

I didn’t expect that.

To be able to lose nearly 10 million Hong Kong dollars in this way, I can't help but lament that Zhang Bingqian's wealth is indeed zero!

No wonder she lost her composure just now.

No matter who you are, if you lose all your family's money by investing twice in a row, you can't help but lose your temper.

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