At the height of the 1992 Los Angeles riots, Korean-American banker Benjamin B. Hong paced up and down in his house just a few blocks from the trouble, wondering what to do as his customers' businesses were looted and burned. From his bookshelf, Hong pulled out a biography of Bank of America founder A.P. Giannini and read that, after the San Francisco earthquake in 1906, Giannini set up a temporary office on the waterfront and made loans to small businesses based on only a handshake. Hong told his branch managers to do much the same: offer existing customers loans of up to $100,000 without collateral. Fifty customers took him up on the offer. Not one defaulted.
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机译：在1992年洛杉矶骚乱最严重的时候，韩裔美国人银行家本杰明·B·洪（Benjamin B. Hong）在自己的房子里来回走动，离麻烦只有几步之遥，他想知道在客户生意被洗劫和烧毁后该怎么办。洪从书架上拿出美国银行创始人吉安尼尼（A.P. Giannini）的传记，并读到，吉安尼尼（Giannini）在1906年旧金山地震后，在海滨建立了一个临时办公室，仅靠握手就向小企业贷款。洪告诉他的分行经理做同样的事情：向现有客户提供最高10万美元的贷款而无抵押。五十位顾客接受了他的邀请。没有人违约。
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