The Kyoto Bubble Era: Starting from the Sale of Hundreds of Millions of Properties

Chapter 250 The Banker with a Clear Conscience
On October 1990, 10, less than a month after the new Prime Minister Kiichi Miyazawa took office, the scandal of former Foreign Minister Shintaro Abe colluding with his family members and members of the Yakuza community broke out. The scandal involved a wide range of people and a huge amount of money, sweeping across half of Osaka In the business and political circles, those who resigned include the former governor of Osaka Prefecture Yasushi Kawatani and other high-ranking officials.

Taro died of respiratory failure in the ICU of the Faculty of Medicine at Tokyo University in early October. Nobuki Kishimoto, the son of Sumitomo Corporation at the time, was suspected of being murdered by yakuza elements. His son, who was his secretary, was imprisoned and sentenced to 10 years in prison .

The huge family was wiped out overnight, and several Tokyo giants were behind the scenes, and no one knew about the final division of interests. In short, this once prominent family just disappeared into the rolling wheels of history.

This also verified Kitahara Sosuke's conjecture——

He can change history.

In mid-to-late October, most of the cases implicated in the Kitahara Sosuke case were settled, and the political donation case was nothing. Noboru Takeshita, Ichiro Katada and others all retreated, but people with a discerning eye will find that, compared with the previous high-profile campaign , These people have become extremely low-key, and they no longer appear in the public eye at will.

The heat of the case was only temporary, and Kitahara Sosuke, who had been popular all over the country before, no longer caused widespread discussion, and everyone's attention returned to economic issues.

How much did the Gulf War lose?Any fool would know that the estimated amount announced by the government is fake, so they can only guess and wait.

After the stock market and housing market were pulled from the bottom, bank loans tightened, and a wave of bankruptcies swept across Japan. Finally, in the past half a month, it gradually showed its signs, showing the tip of a huge iceberg.

What opened the prelude to the Great Depression was the landmark building in Minato, which was placed high hopes by the former Prime Minister Kaifu Toshiki-Julianna Tokyo Nightclub!
Throughout late October, the nightclub project suffered heavy losses, negative profit value, and all shareholders lost their money. In addition, the stock price of the project after listing also plummeted, and investors felt an unspeakable despair.

Today, two stock exchanges in Tokyo and Osaka officially announced the delisting of Juliana Tokyo Nightclub, a subsidiary of Nissho Iwai, with a total loss of 1 trillion yen, not counting the assets invested in it.

The stock market, the housing market, the Gulf War, and the shattering of this last hope, a group of investors finally came to a dead end.

Kitahara Sosuke, who walked to the sub-branch against the cold wind, still remembered the horrific picture in the headlines of the newspaper. Dozens of investors hanged themselves together in the closed Juliana Tokyo nightclub, which can be called a horror movie scene.

There are countless debtors who come to the bank to borrow money, and many presidents of desperate clubs come to ask for help.

The arrival of this economic winter caught everyone off guard.

Just like the gradually approaching winter, it makes people desperate.

Kitahara Sosuke walked into the warm branch, and Sayuri Yamakawa, who was standing in the lobby on duty, bowed and bowed: "President Kitahara, good morning."

"Good morning, Sayuri."

"President Beiyuan, good morning."

"Good morning, President Beiyuan, you have worked hard!"

All kinds of greetings came and went.

The atmosphere of the Tosan Osaka Chuo District Branch is much warmer and gentler than outside. It is not as miserable as other colleagues. They have to run around with various bad debts, and worry about whether they will go bankrupt like Toyo Bank of China and become a wave of unemployment. part of.

9:50 am, big meeting room.

Kitahara Sosuke sat where Naoto Asano had been, looking at the key members of the branch as if it had been a lifetime away.

A year ago, he was still sitting in the position of Norika Fujiwara, thinking about how to make money in line with the tide of the times, how to survive in the branch, how to make the Kitahara family prosperous, and how to build his own financial empire.

But now, he is already the head of a sub-branch, and the president of Beiyuan Investment Co., Ltd., a person who can chat with the prime minister level.

Kitahara Sosuke glanced around, and then said in a deep voice, "The routine meeting officially begins."

Everyone waited solemnly and straightened their backs, which was completely different from the loose and careless way Naoto Asano was in the meeting.

The four financing classrooms and the operation department downstairs reported the current situation of their respective departments, and then Saeko Sakurai, who is currently the assistant to the branch manager, sorted out the documents and summarized them one by one to Sosuke Kitahara.

In the early 90s, computers and other office equipment were not yet popular, and people used to use auxiliary tools such as documents and whiteboards for meetings, so they also needed to listen more carefully, because they could not use their mobile phones to take pictures of ppts and go back and read them slowly. Kitahara Sosuke never really went back to look at the ppts he took, but it was convenient and could be stored at any time.

It's not good now, if you miss a word from the leader, you may be worn to death by small shoes.

"Currently, the sub-branch's new performance task this year has reached the standard, mainly from special financing projects. Beiyuan Investment has spent a total of 3764.2 billion yen to acquire a large number of clubs, most of which still owe Dongchan a lot of loans, and will restructure the loans. Beiyuan Investment will be the guarantor for repaying the remaining batch of debts." Beiyuan Cangjie flipped through the documents and said in a deep voice.

The so-called restructuring loan refers to asking the debtor to repay part of the principal first, then erase the interest, and then issue the remaining loan to him in the form of a new installment loan, allowing him to continue to repay in installments.

In this way, the loan repayment period is lengthened, part of the interest is reduced, and the loan repayers have breathing space.

Originally, it was difficult to pass the approval of so many restructuring loans, but this time, with the huge Beiyuan Investment as a guarantee, Dongsan will naturally not be stuck inside.

"In this way, our 800 billion bad debt liquidation task has almost been completed. Thanks to everyone's work around the clock, I am very grateful." Kitahara Sosuke didn't bow to thank him, so he didn't do this kind of superficial effort.

The greatest contribution is of course in his own investment in Beiyuan, but these employees also paid labor costs, so they can be commended.

The core of the workplace is to keep drawing cakes for your subordinates. Whether you can cash in and how much you can cash in depends on the boss's conscience and ability.

"This year, the honor of the best sub-branch of our bank was removed, but it seems that by the end of the year, no other sub-branch can compete with us for this title. In fact, I personally don't have much interest in this honor."

Kitahara Sosuke leaned his body back in the chair, and said quite relaxedly,
"Including the performance of the sub-branch, I don't care too much. Because at the beginning of next month, I will leave Osaka to go to the Tokyo head office to accept the special appointment of the board of directors. There is a high probability that I will never return to Osaka, so this may be one of the few times for all of us. One of the few times we met."

There was an uproar below, with uncontrollable whispers of discussion and panic.

Kitahara Branch Manager is leaving Osaka?

So what should they do?
With his help, the sub-branch escaped the crisis of life and death, and will continue to operate here in the future, but without him, who will take over the position of president?
With a branch manager like him, can they accept other people to replace him?

Kobayashi Kyoko, Sakurai Saeko and Fujiwara Norika, who also heard Kitahara Sosuke's words for the first time, also opened their mouths slightly, with expressions of shock and disbelief.

In their view, Sosuke Kitahara will most likely be transferred to the Osaka branch, maybe as the head of the financing department, or directly promoted to the vice president, in short, he should stay in Osaka.

His foundation and his Beiyuan investment are all here!

"I know that some people here are not willing to let me go, and some people want me to leave early. In short, no matter what you think in your heart now, this is an established fact and it will not change. This year, I know that you have experienced a lot of things, and it is also very hard. , and made a lot of contributions to the sub-branch. Here, I really want to say something to you, please remember what I said today in your future work.”

"When the stock market and real estate market were booming, you were the hot financial elites in Osaka. All of you had outstanding performance and high income. After the stock market collapsed, you experienced unprecedented pain. After that, Naoto Asano repaid the loan , Want to shirk responsibility, the housing market rises again, you think you have seen hope, and there will be various things behind the housing market collapse, Gulf War traps, unfinished nightclub projects, etc. You will find that in the face of the real trend of the times, individuals do not What is it. If you want to be in this industry for a long time and do better, you must achieve this word—with a clear conscience!"

"Every loan you make, every customer you contact, every project you handle, can you have a clear conscience! If you can, then you don't have to worry, in any economic environment, you will not Eliminated. If not, then now, you have a chance to start over!"

"We are professional bankers, not a machine for collecting and lending money. A bank is not a bastard place to borrow umbrellas on sunny days and collect umbrellas on rainy days. Our goal is to bring convenience and happiness to customers, not to push them into Abyss, I hope everyone can learn from it.”

"The above are the main points of today's regular meeting, the meeting is over!"

After Kitahara Sosuke's voice fell, everyone stood up abruptly, with thunderous applause, excited expressions, and sighed from the bottom of their hearts, agreeing with his statement!
(End of this chapter)