Wang Chong felt that Gu Tiande said something strange today, but he didn't think much about it. He smiled slightly and nodded and left the office. On the coffee table, there was the breakfast that Wang Chong bought. Gu Tiande felt a little hungry. He smiled bitterly, "It's better to live than to die." He boiled a cup of boiling water and ate the buns in his stomach.

The whole office was in a mess. The cleaning officer knocked on the door and came in to clean it. Gu Tiande waved his hand and said, "You don't need me, I'll do it myself." He slowly stood up, placed the messy documents neatly, and placed his wife, daughter and his own photo on the desk. This is a photo of his daughter when she was eight years old. He was only 30 years old at that time. He had just joined the Donghuacheng Information Service. Although he didn't make much money, the family was harmonious and lived a happy life. Unexpectedly, a family was broken for more than ten years.

He sat in the class chair, worked at his desk for more than half an hour, placed his things, put on his windbreaker, and left the Chengdong Branch.

...

Wang Chong had just returned to his office and suddenly received an email, which turned out to be an "Audit Visa Form", which recorded that Wang Chong's salary card account had a fund transaction with the loan client Kang yesterday, with an amount of 50,000 yuan, and asked Wang Chong to explain the situation.

Wang Chong felt strange and went to the sales department counter to check it out and found that the money was transferred by Kang Yuanheng, the owner of Kanghui Food Company, through online banking. But the problem is that Wang Chong didn't know Kang Yuanheng at all.

According to the credit rules, the main persons of the credit business are not allowed to have financial transactions with customers. At the same time, the audit system also monitors the flow of funds of employees in the bank in the backend. Therefore, when Kang Yuanheng’s account remittances to Wang Chong, the audit mechanism is automatically triggered, and the audit form sent by the audit department immediately.

Wang Chong found Kang Yuanheng's phone number and asked, "Mr. Kang, I am Wang Chong, the city east branch of Donghua Bank."

The opposite of the phone said respectfully, "Governor Wang, hello, my loan is about to expire. This time the loan renewal is all up to you."

Wang Chong said in a deep voice, "What does the transfer of 50,000 yuan means?"

Kang Yuanheng said, "I don't have any respect if I have a little bit of meaning."

Wang Chong felt that something was strange. He never knew him and never leaked his salary card number. How did he know and transferred money to me, so he asked, "Mr. Kang, I'll ask you, who asked you to transfer money to me?"

Kang Yuanheng laughed and said, "Didn't you ask me knowingly?"

When Wang Chong saw him talking nonsense, he became angry and said, "Mr. Kang, listen well, I don't know you, and I have never asked you for bribes. I'm asking you now who asked you to transfer this fund to me. If you don't tell the truth, after this loan expires, as long as I am in the Chengdong Branch, you don't think about renewing the loan!"

When Kang Yuanheng heard him raise his voice, he muttered in his heart, "Yesterday, Manager Pang called me and said that you will approve my loan now, and asked me to transfer the 50,000 yuan handling fee to your account. I was about to find you today."

"Pang Xiao?"

"Yes, he is President Gu's confidant."

Wang Chong was annoyed. Needless to say, this must have been done by Gu Tiande's envoy Pang Xiao. Anyone with some common sense knows that such shameful money must not be transferred through online banking, let alone transferred to a salary card. How can Gu Tiande disgusted himself when he made this happen, so how can he not make Wang Chong angry?

Wang Chong said: "I will transfer the 50,000 yuan back to you later. I have recorded today's call."

"Then what happened to me?"

Wang Chong said coldly, "Come according to the procedure."

Wang Chong went straight to the third floor and knocked on Gu Tiande's office door. He found that no one answered and the door was hidden. Wang Chong pushed the door and found that his office had been sorted out. He placed two envelopes on the table, one of which said, "Wang Chong opened his own hands, and the other was for his wife Pang Le.

Wang Chong opened the envelope to himself, which contained Gu Tiande's sloppy handwriting.

"Wang Chong, thank you for letting me recognize myself. You and I have known each other for half a year, and there are more grievances than love. There are many conflicts in my work. I have also framed you many times and inherited your power but failed to do what I wish. I was born in a revolutionary family, but I was unable to inherit the revolutionary tradition and lost myself before money and beauty. I deeply regret this.

I once hated you and laughed at you. In this materialistic society, you can stick to your original intention and principles, and not be stained by the big dye vat of this society. I once did not understand you. In the financial system, many people with authority use their authority to gain their own interests. It has become the norm in society. You are an alien. However, now, I have realized your original intention. I envy you for this, but I embark on a path of no return.

In you, I have discovered a special quality, a quality that I lack: Only by being a person, one should one be at peace and one should one have a good conscience. Now, I have repentant and I have decided to do something that is beneficial to the Party, the people, and the banks. Nothing else, but only for the word "at peace".

Regarding the visa form, I have emailed the Audit and Audit Department to explain the situation. Please do not worry. There is another envelope on the table. Please pass it to my wife Pang Le. Thank you.

Gu Tiande's character. x year x month x day."

Wang Chong had an ominous premonition in his heart. He took out his cell phone and called Gu Tiande's phone, but found that the other party was already in a state of shutdown. While staring at the letter in a daze, Zhang Feifan rushed in, "Master, something is wrong."

Wang Chong asked: "What's wrong?"

Zhang Feifan pointed downstairs, "A group of people came outside the door and put a banner at the door, saying that they wanted to collect debts!"

Wang Chong calmed down, put the letter in his arms, and followed Zhang Feifan to the downstairs. He saw more than a dozen people standing at the door of the business hall, holding a banner with white cloth, which read: "Donghua Bank, betrayal, fraudulent deposits, it is hard tolerate, and I will pay back my hard-earned money!"

In a moment, dozens of people gathered at the entrance of the entire East Branch of the Chengdong Branch to find out what was going on.

Wang Chong stepped forward to negotiate and asked, "Dear fellow villagers, what's going on? Everyone comes in and talk."

"Last year, your president Gu Tiande and his brother-in-law Pang Xiao promised high interest rates and cheated out more than 5 million yuan of deposits from us. Now the phone cannot be reached, and the family has also posted a seal. We have to come to your bank to collect debts!"

The man in the leader shouted, "Let you Gu Tiande grow up!"

Zhang Feifan said: "We President Gu are not in the business today!"

"Did you hear that? Gu Tiande ran away!"

Wang Chong made a gesture at the counter, meaning to activate the mass incident plan. Shang Qingshan, director of the business department, received instructions and immediately initiated the emergency process, and reported the situation to the head office's legal compliance department, business department and president's office respectively, and also called the duty phone number of Chengdong District Police Station.

Wang Chong was mediating with everyone, wanting to get more information. When everyone heard Gu Tiande ran away, they shouted, "Everyone come on together and grab our money back!"

Wang Chong stopped at the door, "Dear fellow villagers, please calm down. Can you collect the banner first and send three representatives to the bank to discuss?"

"If you have anything to talk about, give us the money back and we'll leave!"

Wang Chong knew that things were not good. If a mass attack on financial institutions occurred, the consequences would be extremely serious. He was still not very clear about the whole thing, but everyone refused to negotiate. Gu Tiande, the only one who knew the inside story, disappeared. How could he not be anxious?

The unknown people around were whispering to each other. At this time, someone shouted: "Donghua Bank has gone bankrupt, everyone should withdraw their money quickly!"

In an instant, more than ten people flocked to Donghua Bank, "I want to withdraw money, I want to withdraw money!"

Wang Chong made a quick decision and ordered Zhang Feifan, "Initiate the liquidity risk emergency plan, require all leave tellers to return to their posts, suspend other businesses, open all windows to redemption, notify other departments to come down, maintain order, and ensure cash payment. Statistics the amount of withdrawals for everyone, let Shang Qingshan check the cash warehouse, contact the cash truck, and apply for cash allocation."

Rumors spread quickly. When the people around him heard that the Chengdong Branch was about to close the door, they didn't care about the authenticity and rushed towards the Chengdong Branch. A few minutes later, the business hall of the Chengdong Branch was crowded with people. Everyone in the Chengdong Branch stopped working, came to the business hall to maintain order, and did an explanation to everyone. Fortunately, they also did two emergency drills a year on weekdays, and the crowds in the hall were not confused.

Chengdong Branch is a secondary branch with a cash inventory of two million yuan. In just a few minutes, everyone had already withdrawn one million yuan, and the cash warehouse was in a hurry.

The sirens sounded, and three police cars came to the east branch of Cheng. More than ten police officers got out of the car and came to the scene to maintain order. The headed police officer asked, "Who is responsible here?"

Wang rushed forward, "Our president is not in the business, and I am temporarily responsible for it."

The banner was pulled and everyone said, "Comrade Police, you have to be fair for us, and our money was cheated away by them."

The police officer frowned and said, "Everyone, if you have any questions, let's go to the industry to report the case, go to the public security police to report the case, pull banners, and block doors. Your behavior has violated the Public Security Administration Regulations, so we will remove the banner first!"

Everyone shouted, "Why? We gave them our money. As the people's police, you don't help the people, but instead speak for them. Are you colluding with officials and businessmen?"

At this time, Lin Tianhua called and shouted opposite the phone: "Wang Chong, what's going on over there?" Wang Chong avoided one side and briefly introduced the incident to Lin Tianhua.

"Where is Gu Tiande?"

"Governor Gu went out this morning, and we couldn't call him!"

"I think he, the president, doesn't want to do it anymore. Wang Chong, I now appoint you as the acting president of Chengdong Branch and are fully responsible for handling this matter. President Liao and I are on the way here. Remember, be sure to do a good job in cash supply!"

"yes."

After a mass run, Lin Tianhua immediately reported major matters to the chairman, the People's Bank of China, the Banking Regulatory Bureau, the Financial Office, the District Government and other relevant departments, and established an emergency working group to lead Liao Xingguo to the scene to preside over the overall situation.

The People's Bank of China's Donghuazhong Branch immediately issued instructions, and the People's Bank of China's currency, Jinyin Technology and Donghua Bank made every effort to do their best to supply. Half an hour later, three armored vehicles, escorted by special police, sent 20 million yuan to the business department of Chengdong Branch. At the same time, each branch dispatched eight tellers, Qianchengdong Branch, to assist in redemption of the RMB.

The Risk Management Department, Payment and Settlement Department, and Fund Department conduct remote simulation liquidity stress tests to simulate the liquidity crisis that may be faced in mass runs.

Since most people use the money from banks to use for credit, interbank, financial management and financial derivative projects, the bank does not really use much cash. Under normal circumstances, it can meet the daily deposit and withdrawal needs of the people. However, once a bank run occurs, it must have sufficient cash flow. After paying the deposit reserve, banks generally have some reserve funds (excess reserves), which is to deal with this phenomenon. If the funds are not enough, they can only lend them through shibor.

When Lin Tianhua arrived at Chengdong Branch, the scene was under control. With the support of the police and bank staff, the people waiting to withdraw money had already lined up. In order to make everyone feel at ease, 20 million yuan of cash piled up in the counter, and a slogan of 24-hour redemption was played on the LED screen.

At the same time, staff at Donghua Bank were also helping everyone install mobile banking and guiding the other party to use online banking and mobile banking transfers. As of 10 a.m., the deposit amount of the entire Donghua Bank was reduced by 100 million yuan, including on-site withdrawals, online banking and mobile banking transfers.

Lin Tianhua received a text message and according to the current transfer speed, at 2 pm, all the reserve funds will be used up. He needs to borrow funds from interbank banks that signed the liquidity support agreement or prepare for re-loans from the central bank. Lin Tianhua authorized the Funding Department through the mobile phone OA to make emergency preparations.

In order to appease the people's hearts, the district government and the financial office also sent a propaganda car to explain financial knowledge to everyone. The led screen also called a slogan asking everyone not to believe the rumors, Donghua Bank ensures that all deposits and withdrawals are normal for redemption.

...

Lake Center Park.

After leaving the east branch of the city, Gu Tiande came here alone. Twenty years ago, his first date with his wife Pang Le was in this park. He sat on the park bench and his thoughts drifted back twenty years ago.

At that time, just after returning from the army, Gu Tiande was in his prime, and his father arranged him to the Donghua City Information Service. According to the matchmaker, the two met here. I remember it was summer, and Gu Tiande was wearing a jacket. When he first met Pang Le, he was shocked.

Pang Le wore a light green long dress with a slim figure and a hint of shame on his face. Gu Tiande was clumsy at that time and didn't know how to express himself. He dared to invite Pang Le to go to the middle of the lake to row, but Pang Le actually agreed. Afterwards, the two decided to live for life, get married and have children, and everything was done step by step.

After marriage, there was only food, rice, oil and salt, and no poetry, and soon the relationship between the two became crisis. Ten years ago, Gu Tiande's father was regulated and his marriage was divorced. Gu Tiande's love of drinking and gambling, and his unscrupulous character gradually became exposed. At that time, he became the director of a branch office of the Chengxin Agency and owed 100,000 yuan. In order to pay off the debt, he began to ask customers for kickbacks. After tasted the sweetness, he fell deeper and deeper in it.

Later, Gu Tiande was not satisfied with this and began to be a fund broker. He borrowed the position of bank president and began to absorb idle funds from society and let customers cross the bridge. In recent years, the economic situation has declined sharply, and many bridge funds cannot be recovered, resulting in larger and larger holes, and he had to rely on usury to make a living.

Today, the matter was finally exposed, leading to a bank run crisis in Chengdong Branch. However, Gu Tiande didn't know what happened in Chengdong Branch at this time. He wandered for a long time and sighed, "It's really my fault."

After smoking a cigarette, Gu Tiande felt a little thirsty after brushing off the snowflakes on his body. He came to a nearby convenience store and bought two bottles of water. In a blink of an eye, he saw that the bathroom center next door had just opened. Once upon a time, he was a regular customer here. This bath center is divided into three floors, one floor bathing, the second floor massage, and the third floor has some erotic services.

He walked in, a friend recognized him and came up, "President Gu hasn't been here for a long time. Should he be with the client today?"

Gu Tiande said, "I'll take a shower."

The guy led him to the first floor and changed his clothes. Gu Tiande walked into the bathroom, turned on the faucet, and rubbed his body hard, as if he wanted to wash away the bad luck on his body. After more than ten minutes, he finished his shower and went straight to the third floor.

There was a separate waiter on the third floor. When he saw Gu Tiande, he hurriedly said, "A guest is here!" As he said that, he welcomed Gu Tiande into a pink single room. Seven women wearing heavy makeup and dressed up walked in. The waiter said, "Sir, please check it out."

Gu Tiande waved his hand, "Stay all."

The waiter was a little surprised, but out of professional ethics, he did not speak much, and said, "Serve the distinguished guests well", turned around and walked out, and brought the door with him with his backhand.

A woman said, "One dragon and seven phoenix, this gentleman is really good at playing."

Half an hour later, Gu Tiande walked out as if he was a little haggard, settled the account at the bar, lit a cigarette. Hearing someone chatting, he said, "I heard that Donghua Bank is going to go bankrupt. Have you deposited money at Donghua Bank? Hurry up and transfer it."

“Which bank?”

"It's the outlet in the east district of Cheng. There are long queues at the door, waiting to withdraw money. I heard that their leader ran away and said that the police have gone. If you have money, please take it out quickly."

Upon hearing this, Gu Tiande put on his clothes and came to the Chengdong Branch. However, now he has no face to return to the Chengdong Branch, so he climbed to a three-story rooftop opposite and looked at the opposite side from afar.

I have worked here for three years, and now it is time to say goodbye.

He lit a cigarette and looked downstairs. Wang Chong was taking the employees of Chengdong Branch to explain to the masses. Not far away, Lin Tianhua was holding a phone and directing something remotely.

He suddenly felt as if he had become a redundant person.

The cold wind blew, and the outdoor temperature reached minus 7 or 8 degrees Celsius. He could not feel the cold. To be precise, he no longer felt the sensation and just lit cigarettes one by one.

Not long after, a pile of cigarette butts were accumulated on the ground.

At noon, a staff member began to distribute hot water, instant noodles and food to those in the queue. The crowd had begun to dissipate gradually, but dozens of people were still queuing in the cold wind. An old lady held one in her hand and shouted in tears, "This 60,000 yuan is my coffin book, don't lose it!"

Upon hearing this, Wang Chong quickly let the old lady into the hall. After a while, the old lady walked out with a purse and satisfied, "It's all taken out, it's all taken out."

Gu Tiande suddenly thought, maybe Wang Chong is more suitable to be the president of this branch than me.

At around 3:00 p.m., the crowds of people who were running gradually began to disperse, leaving only a few people. Half an hour later, there was no one outside the business hall, and the Chengdong Branch restored business order. Lin Tianhua gave a few words and led everyone back to the business for a meeting.

Gu Tiande put out the last cigarette, turned on his phone, and sent a text message to his wife Pang Le, "Lele, I have signed the divorce agreement and arrange for someone to send it to you. In the storage room of Longhuju, there is a safe. The password is your birthday. There is a deposit of two million yuan for you and your children. Don't worry, these are my salary and bonuses, just treat it as compensation for you and your children."

At 4:30 pm, Gu Tiande walked into the Economic Investigation Section of Donghua Public Security Bureau. The police officer asked, "Sir, what business do you want to handle?"
Chapter completed!