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

Chapter 262
"Everyone, this time the surprise inspection by the board of directors of the head office, the Kyoto branch was seriously damaged. Our branch headquarters was found to have six forged certificates of deposits, and the amount of deposits embezzled by employees was as high as 1.2 million yen! In addition, several other branches have Various degrees of internal financial problems were detected! The situation is grim! After this surprise inspection, our Kyoto branch has transferred 37 employees, and our reputation has also suffered serious damage. In addition, the new business needs set by the board of directors of the head office will affect whether we Can keep the current business team!"

Tao Tailang spoke in a hoarse voice, which was touching. When he said this, he stood up abruptly, bowed to all the branch staff and shouted,

"Please be sure to complete the business requirements this time - the total financing amount of 500 billion, please everyone!"

"Yes!" The branch staff also stood up and returned the salute, all with serious expressions, expressing concern about this.

It's already December, and the sudden increase in the total financing amount of 12 billion is simply forcing their branch to death. Normally, the board of directors would not do such a thing.

If it cannot be completed, it will be another internal review before the end of the year. It is said to be a review, but it is actually looking for trouble in disguise to transfer employees, reduce salary expenditures, and then force them to increase their business volume in various ways and skin them.

As the core management team, a group of people headed by Tao Tailang will also face a crisis of job reorganization.

Among all the high-level executives, probably only Kitahara Sosuke didn't mind about this, but had a vague expectation.

Dongsan’s board of directors suddenly became anxious, and actually used such a strong review force to conduct internal inspections, and the first wave was the three major branches of Osaka, Kyoto, and Nagoya. It can be seen that the problems of other banks are indeed not small, which makes Dongsan, a behemoth, also worried. After getting up, I was worried that the internal corruption problem was already very serious.

At the same time, the newly increased business demand shows that the total amount of bad debts of Tosan is much more than expected. After Kitahara Sosuke successfully saved a wave of Osaka branch, it will not help!
That means that the Great Depression that he has been thinking about is really coming!

"President, I feel that in order to achieve the 500 billion yen financing target, we need to shift the business focus of the branch to the agriculture and real industries we are familiar with as soon as possible. These two industries have always been the pillars of our Kyoto, and many well-known clubs are also ours. Old customers, as long as they ask, they can still get more loans." Takashi Sato, the head of the financing department who had been silent all this time, suddenly got up and said, he was impassioned, his expression was excited, and he looked like he was going to make a fuss about the branch.

"I currently have some good club resources here, but due to the tilt of the business focus in the first half of the year, those clubs have not been able to get the desired quota. Now, as long as I contact them, I will be successful!"

"Oh? Those clubs?" Tao Tailang was startled when he heard the words, and asked quickly, "Agriculture and real industries are indeed important customer industries of our Kyoto branch, but I remember that most of them have cooperative banks, and they can still buy more. Want some more loans?"

"That's right, Miko." Takashi Sato yelled, and a beautiful girl sitting behind him got up, saluted politely, and distributed the materials prepared in her hand to all the management.

"President Kitahara~" The girl named Miko Kato bent over and handed him a document, she gently rubbed her delicate fingers on his palm, winking like silk, but soon left him and went to other management there.

Kitahara Sosuke chuckled, he had a deep memory of the famous courtesan of the Kyoto branch.

Miko Kato, who graduated from the Finance Department of Kyoto University, has only been in Tosan for two years. She is the same age as Norika Fujiwara, but she is already the deputy head of the financing department of the Kyoto branch!The promotion speed is comparable to her plus version, Mieko Sakai from the head office.

"Please see, everyone, here is the list of important customers of agriculture and real industry that I have compiled. As shown in the data, although they have been somewhat damaged in this year's economic wave, they have survived due to their huge volume. With the housing market and stock market Ecologically destructive industries have disappeared, and their business volume has also picked up. Agriculture is the primary industry, and it cannot be replaced or eliminated. It is just that the profits are relatively thin, and the value that the society can create is relatively limited. The victory lies in stability. In recent years, several clubs such as Yuanhe Agriculture have been listed, and it is not a problem for them to borrow about 100 billion yen in total.”

When Takashi Sato spoke, his expression was quite excited, and he kept holding his breath in his heart. Obviously, the position of vice president of the branch was his own, but Kitahara Sosuke was airborne and took away everything!
He doesn't agree!
We must take back what belongs to him from Sosuke Kitahara!

And now, the best opportunity has come.

As long as he saves the branch in this branch crisis and makes outstanding achievements, he can replace Sosuke Kitahara as the new financial idol, the star of tomorrow!

This young man who was able to take off in Osaka by relying on various bad means and taking advantage of the general environment will be severely trampled under his feet!
"And our most important core customers are these four companies - Daishowa Paper, Mazda, Hanwa Kogyo, and Yamaichi Securities."

It turned out that these four were taken advantage of!

Kitahara Sosuke felt happy.

Saito Ryohide of Daishowa Paper Co., Ltd. bought the paintings collected by Chino Rin for 8500 million yen and successfully settled in Kyoto. The traditional paper industry was hit hard during the bubble economy period, but he persevered and is now in Kyoto. It was a mixed bag.

It's a pity that Daishowa Paper did too many stupid things during that time, bought a lot of land and stocks, resulting in serious internal hidden losses, and the assets shrunk very sharply. In addition, Saito Ryoying likes to collect so-called famous paintings and artworks. , Personal book losses are also very large.

These hidden liabilities have not been discovered by any banking institution. If he wants a loan, a bad debt crisis will inevitably erupt in the future.

As for Mazda, needless to say, internal problems began to emerge in 90 and continued to deepen. In the original history, after 95, a debt loss crisis of up to 3000 billion yen broke out in the financial crisis, and it suddenly fell into a crisis. In desperate situation.

As for Hanhe Xingye, it has long been dwarfed by Bei Maohe's stupid investment behavior, and it is difficult to support it, leaving only an empty shell.He said that he wanted to continue to develop the real industry, but in fact he was just supporting it and needed a wave of life-saving money.

The last Yamaichi Securities is the most unpredictable and shocking bankrupt company!
Backed by Fuji Bank, the Fuji consortium will go bankrupt due to a large number of debt crises, and even the father behind it can't save it!
It can be seen how high the actual loss of Shanyi Securities is!

Kitahara Sosuke had to admire this Minister Sato, who wanted to fight against him everywhere, for picking a good ally, and he couldn't live by doing his own crimes.

At this time, Takashi Sato was still complacent, and looked at Kitahara Cangsuke with a smirk: "I think we should tilt the financing of our branch to these four super clubs, instead of wasting money in some strange places, such as what .Nintendo? Game console production company? To be honest, I’m probably too old, and I can’t understand President Kitahara’s thoughts at all. How many game consoles can you sell? Can Nintendo’s game consoles be sold all over Japan? How many copies are going out? Ten thousand copies? One hundred thousand copies?"

"This little profit can't fill our vacancy at all." Takashi Sato laughed, "However, I can also understand President Kitahara's good intentions. After all, it is the so-called technology industry, and such a club is rooted in Kyoto. There are not many of them, if you don’t help them, they will be completely eliminated, right?”

"But, gangguibang, for such a club, it is enough to give him a loan of tens of millions of yen? Why give him 20 billion? The Kitahara Shenlang Credit Bank is nominally divided into our Dongsan. In Kyoto, it is our Kyoto One of the branches under the jurisdiction of the branch, the loan approval should also be determined by the financing department of our branch?"

Takashi Sato's words were hidden in the needle, and he targeted Kitahara Sosuke step by step. Everyone looked at the young vice president to see how he would deal with this aggressive behavior.

Who knows that Kitahara Sosuke spread his hands and said with a smile: "Minister Sato is right, so I don't plan to borrow any resources from the Kyoto branch, but just use Kitahara Shenlang's resources to cooperate with Nintendo. In this way, Minister Sato Don't worry about the impact this business will have on your financing department, as for the quota, you can give it all to those four clubs, I can't stop this, after all, I'm just the vice president in charge of the operation line."

"By the way, just now you said that Beiyuan Shenlang's loan needs to be approved by the Kyoto branch. I still want to reiterate this point. Beiyuan Shenlang belongs to Beiyuan Investment, and Beiyuan Investment has no controlling relationship with Dongsan. If you have to say something , Beiyuan Investment can be regarded as Dongsan’s cooperative association, which is a cooperative relationship, not an affiliation relationship. Therefore, the business approval of Beiyuan Shenlang only needs to be approved by the board of directors of Beiyuan Investment, and there is no need to report to the Kyoto branch.”

When Sosuke Kitahara said this, his voice had gradually turned cold, then he smiled and looked at Takashi Sato, and asked in a relaxed but oppressive tone,

"Even if I put Beiyuan Shenlang's loan business here and approve it for you, do you Sato Takashi dare to approve it? Do you dare to continue?"

Takashi Sato was choked by his words, but he subconsciously dared not answer.

What a joke!
He said that he wanted to approve the business of the Beijing branch, but he was just showing off his tongue for a while. How could he dare to really approve the business of Beiyuan Shenlang!
Even if you give him a hundred guts, he won't dare!

However, Kitahara Sosuke's non-face-worthy rhetorical question made Takashi Sato's momentum disappear all of a sudden.

This young man!
Too embarrassing!

"Just now, President Beiyuan seemed to say that you mean you don't want to lend money to these four high-quality clubs?" Takashi Sato didn't want to continue entangled with him on this topic, so he skipped over and talked about the loan issue.

He remembered Kitahara Sosuke saying "I can't stop this", that is to say, he was against it.

Everyone who listened seriously looked at Kitahara Sosuke with puzzled faces.

These four clubs are really powerful, there is no problem, why not give them a loan?
They can't think of a reason.

"That's right, I have objections to lending to these four clubs." Kitahara Sosuke replied firmly,
"Whether it is Yamaichi, Mazda, Hanwa Kogyo or Daishowa Paper, they are not high-quality clubs. If you give them a lot of loans, there will be a major bad debt crisis!"

"What nonsense are you talking about! President Beiyuan! You can't target the business of our financing department just because I don't support your business!"

Takashi Sato immediately refuted.

He took out the pile of materials, and read out the current situation and financial status of the four clubs word by word, and then asked with a smile,
"Excuse me, President Kitahara, this kind of club is not considered a high-quality club, what is it? Could it be that Nintendo that makes games!?"

The crowd was in an uproar.

Indeed, compared to the size.

The difference between Nintendo and the four of them is not an order of magnitude.

Kitahara Sosuke glanced at Ito Wanlihua, who understood, and stepped forward to take out a prepared document. He was about to speak to these people about the problems of these four clubs, but was directly stopped by Tao Taro.

"Okay, okay, don't continue to argue about this matter, it doesn't make any sense!"

He was trying to smooth things over, and he was also making a conclusion for this meeting.

"What Vice President Beiyuan and Minister Sato said are both reasonable. We must be cautious when reviewing loans, but we don't have to go into the small details so deeply when facing a high-quality club. Otherwise, how can we do business? Check one by one? Carefully, every corner, of course there is nothing wrong! But in this way, there is no time to do business at all!"

"We need to have such a strong sense of urgency like Vice President Kitahara, and have such a sense of responsibility that is worthy of study and admiration, but at work, we have to learn from Minister Sato's style. Regarding this point, I hope that Vice President Kitahara will The governor can also learn a lot from Minister Sato!"

"Let's leave this meeting as it is. I have decided to hand over the 500 billion financing quota task to Minister Sato's financing department. Everyone must fully cooperate with his business development, and there must be no negligence in the slightest! This concerns our entire branch. , there must be absolutely no sloppy in the slightest!"

"As for the concerns of the Beiyuan branch manager, I promise here that no matter what kind of problems arise, I, Tao Taro, will fully bear them!"

"In that case, then I agree with this plan." Kitahara Sosuke smiled and looked at Tao Taro, "The president has already said so, there is no need to insist, but I still want to reiterate this, I do not agree Such a plan!"

After the branch meeting, Kitahara Sosuke took Ito Wanlihua out of the conference room. The atmosphere in the industry was as he expected. Tao Taro and Sato Takashi, who had the right time and place, had deep roots and were hard to shake for a while. There is no need for them to fight, he just needs to concentrate on doing his job well and wait for them to seek their own death.

It's just that Ito Wanlihua, who didn't know the inside at all, was very angry. He felt that Kitahara Sosuke was clearly thinking about the branch, but was targeted by everyone, which was too unworthy.

Seeing her angry look, Kitahara Sosuke thought of Fujiwara Norika who had been away for a while, couldn't help but smiled, and comforted: "Don't be angry, this is the bank, intrigue, just get used to it."

　Recently, I have been very busy with work, resulting in several repeated questions in the last paragraph, but I will revise it back soon, sorry.

　　It will start to return to normal tomorrow and update sooner or later!

　　Feel sorry!

　　
　
(End of this chapter)