"This way, please, sir!" The teal-robed young man led Ding Hao through the long hall and came to the counter for withdrawal on the east side. Then he left respectfully.

"What would you like to withdraw? Please show me your passbook," said a stout middle-aged manager, who looked very amiable, with a smile. He was standing behind the counter.

Ding Hao thought for a moment. Frowning, he shook his head and said, "Passbook? What is a passbook? I don't have ...