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

Chapter 7 The First Piece That Falls

"Damn! Damn! It's so damned!"

Holding a pile of documents, Fujiwara Norika stepped on the smooth ground with a pair of small black leather shoes, making a crisp sound of tapping, her delicate little nose couldn't help but let out her breath, "Deep, how can you endure this? Sigh, the head of the Oshima Department has bullied you like that!"

Fujiwara Norika, who has always been kind, can't help but get angry. In the conference room just now, Mitsuo Oshima was really deceiving people, and he was always targeting his own department head. Unfortunately, she is only a small director. Not qualified to speak.

"Also, department head, without the distribution quota of 5000 million yen, the number one hero of the best department award this time will become the head of the Oshima department." Fujiwara Norika with a bitter face, worked hard One year, seeing that the duck in her hand was about to fly away, she felt that she lost all motivation for a moment, and wished she could rush back immediately to let Section Chief Kuroda take back his decision.

She really couldn't figure out the reason why Kitahara Sosuke suddenly changed his strategy. Although the [-] million yen target was indeed a bit difficult, she shouldn't have done anything at all, so she chose to give up.

Due to the special period of the bubble economy, a large number of housing investment loans were generated, in order to avoid some departments madly approving loans in order to offset performance, which eventually led to the birth of a large number of non-performing loans.

The central district sub-branch began to implement quota allocation restrictions this year, and the section chiefs will adjust the loan quota they can grasp in real time according to the work performance of each department this year, so as to prevent the sudden occurrence of a large number of non-performing loans.

To put it bluntly, there is too much money in the bank!A lot of money, no limit, is not a good thing.

Kuroda Yu only allocated them a quota of 5000 million yen for the three departments. If the loan is exceeded, the procedure will become a lot more troublesome, and the review speed will also decrease, which is not conducive to loan disbursement, and the borrower will abandon them and find other quotas higher department.

"Fujiwara, I just checked again. This year, the three departments have lent a total of 36 billion yen, and nearly 900 billion of them ended up in the real estate market and the stock market."

Kitahara Canosuke walked to his work station. Originally, he did not intend to continue arguing with the little girl about this issue, but thinking that she has done a lot of things for him, and she is smart and sensible, he stopped to explain a little.

Norika Fujiwara tilted her head a little puzzled. Isn't it normal for funds to flow to these places?

"In other words, 95% of the money we put out has become piles of virtual numbers and sets of real estate. Similar to other financial institutions, all RBs, at least more than [-]% of the circulating funds are used as venture capital."

Kitahara Canosuke didn't need to talk about data, and Fujiwara Norika didn't feel too much. Now that she said this, she suddenly woke up, her mouth opened slightly, and her face was incredulous.

Has it been so exaggerated? !
"Got it, it's like a huge bubble. No matter how big it expands, it's just a mass of air. All you have now is this air."

Kitahara Cangsuke sighed, the concept of the bubble economy is actually not difficult to understand. It is not that other countries have not happened before, but they are in it, especially the current RB, three or four years of romantic affairs, the assets owned by everyone are skyrocketing.

When the whole people are agitated, people's emotions are easily infected, and they lose their basic reason and judgment.

And even if it breaks down, no one thinks it will be in the near future. Even if it is too illusory, isn't there still government regulation?
"Then, then, let's go next." Fujiwara Norika was a little frightened. Her bulging purse and her crazy personal assets had indeed overwhelmed her small head, but if she retreated bravely, she would feel very unwilling.

"It's just preventive measures. It's impossible to continue investing funds in the housing market and the stock market. The task assigned by President Asano naturally has to be completed, but we will do it in a different way." Kitahara Aosuke smiled lightly and began to export himself to her. "It's not just these speculative businessmen who expect to get rich in real estate and stocks who need loans. By the way, thank you for the written report application for me, and I will invite you to dinner in the evening."

"Hey, this is what I should do." Fujiwara Norika didn't expect that he would express his thanks, her face blushed slightly, and she waved her hand a little embarrassedly.

"By the way, the loan from Xinhe Real Estate should be rejected directly in the afternoon." Kitahara Canosuke suddenly thought of something, reached out and took out a document from her arms, "Let's go to another club."

"Hey, did you directly reject the loan from Xinhe Real Estate?!" Fujiwara Norika's beautiful face became bitter again. Xinhe Real Estate has a loan of 1000 million yen that is about to be completed, and it is also the last big one she negotiated this month. loan amount.

"Yes, I read the profile of President Xinhe. He has too many properties in his name, and the risks are very high, so he is not suitable for continued cooperation."

Kitahara Cangsuke nodded, and looked at the file in his hand as he walked. At the meeting just now, he reviewed all the clients of the lower three departments, and accidentally found a certain "unremarkable" club from it.

Isn't having a lot of real estate under your name a sign of success?How can it be risky?Fujiwara Norika finally didn't ask what she said, she could only sigh and follow Kitahara Canosuke.

I hope the new customers are better quality~
"Giving up Xinhe Real Estate, we will have a new client." Without saying it directly, Kitahara Cansuke hurried back to his work station and prepared the required documents, "Get ready, 4:[-], and leave on time."

"Okay, okay." Fujiwara Norika felt dizzy, so she had to run back to seal all the plans related to Xinhe real estate.

5 pm, Takeuchi Rubber Co., Ltd., Chuo Ward, Osaka.

In the workshop filled with the smell of oil and sweat, a middle-aged man in a blue uniform kept bowing to Sosuke Kitahara, attracting the attention of many workers.

"Three months ago, our largest customer Lu'an Auto Parts Manufacturing Co., Ltd. decided to transform and no longer needed rubber materials. The Osaka Finance, which was the main deal before, suggested that we also transform to purchase land, expand factories, and use real estate as the primary industry. But this is really against our business philosophy, and I didn’t expect that after the rejection, Osaka Finance took away the 1000 million yen that it previously lent us!”

"It will take some time to find a new partner, but production must continue. Without the 1000 million yen, the company will not be able to pay the material fees owed by the company this month! This, this continues. Please, please save us !"

Hearing the sobbing statement of the middle-aged man in front of him, Norika Fujiwara sighed softly and reassured: "President Takeuchi, please don't worry, we will do our best to approve this deal for you."

"President Takeuchi, has your company been working on the production of rubber materials required for auto parts?" Kitahara Aosuke closed the documents in his hand, suddenly interrupted Fujiwara Norika's words, and looked directly at the middle-aged man in front of him. .

The middle-aged man named Takeuchi Hikaru nodded immediately and said, "Yes, since the establishment of Takeuchi Rubber, we have been specializing in rubber materials for auto parts, and we have never changed our business direction."

"As far as I know, rubber materials can be used in many products. If we can expand our business in multiple directions, not just in auto parts, sales should increase a lot."

Kitahara Cansuke got up, handed the materials back to Wu Neiguang, smiled slightly, and looked at him.

Takeuchi nodded: "It is true in theory, but it is not a good thing for a small business like us to expand business in more directions. The reason Takeuchi Rubber has survived to this day is because we specialize in rubber for auto parts. Materials. In order to rapidly expand and increase sales, many colleagues have chosen to adopt the business model you mentioned, Mr. Beiyuan, but in this way, technical improvements and enhancements will not be guaranteed."

He paused, looked around the noisy workshop, and added a few words,
"Our funds are limited, technology research and development is always a cost-intensive thing, and it is difficult to generate returns in the short term. If we expand our business on a large scale, then all funds will be invested in new products. In the short term, it is indeed to expand factories and increase sales. It's a good idea, but in the long run, it will ruin the fate of a small business!"

Doing fine, not doing too much, this is their philosophy.

Kitahara Canosuke chuckled lightly, neither agreeing nor opposing, and walked around the workshop with Takeuchimitsu.

Fieldwork has always been the highlight of a bank's lending process.

This will give bank staff a more detailed understanding of the authenticity of the business, a company that is actually operating, and is completely different from that kind of leather bag company.

Fujiwara Norika followed the two of them, carefully observed every move of her department head, and learned his way of doing business. What puzzled her was that the department head was not so rigorous in the field investigation that was obviously very important.

Kitahara Canosuke turned around at will, and suddenly set his eyes on the small laboratory.

"President Takeuchi, is this a new type of rubber material for automobile shock absorption systems?" Kitahara Sosuke walked over slowly, picked up a small black ring, and there was a hint of surprise and surprise in his tone.

(End of this chapter)