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

Chapter 9 Banks are too sinister
The black and white AE86 drove all the way, and Fujiwara Norika, who was sitting in the co-pilot, couldn't help but ask: "Head, isn't the special financing project only for high-quality customers? With the current situation of Takeuchi Rubber, I am afraid that ordinary loans cannot be approved. Bar?"

No matter how you look at it, Takeuchi Rubber is not like a high-quality company, with little business, thin profits, and unwillingness to transform.Although President Takeuchi is really pitiful and looks like a good person, as a bank clerk, he must not be more emotional than rational.

If you can't approve it, you can't approve it.

"Fujiwara, what do you think is the most important criterion for a loan to be released?" Kitahara Aosuke suddenly asked back while driving.

"Of course it's the credit level of the lender!" Fujiwara Norika didn't even think about it. This was the only standard answer, whether in textbooks or in actual combat.

"Not quite right." Kitahara Canosuke shook his head and glanced at her from the corner of his eye. On Fujiwara Norika's slightly curved black silk long legs was a small notebook, which recorded a lot of her work experience. The body was bumpy and swayed at the thigh, "Accurately speaking, the future of the lender is the most important criterion for our judgment."

"Future?" Norika Fujiwara bit the pen and looked at him suspiciously. She picked up the small book in one hand, opened it and looked at the past records, and became even more puzzled.

"Yes. Take Takenei Rubber just now. I decided to start a special financing project for them because of the future of Takenei Rubber and Takeuchi Light." This lovely little assistant.

"Specifically, it's the benefits they can provide me in the future. When you first arrived at Takeuchi Rubber, how did you do business, remember?"

Fujiwara Norika nodded like a chicken pecking at rice. She had been in the business for a year. When she went out to do business, Kitahara Sosuke would entrust her with some small projects, and he would supervise and guide her.

This time, it was originally her main battlefield.

She acts in full accordance with the rules and regulations, inquiring about the purpose of the loan, the amount, inquiring about information, on-the-spot investigation, etc. She is familiar with this set of procedures, but this time she was just halfway through talking with Wu Neiguang, and she was called by her own department head. Stopped.

"Name, family situation, business accounts, reasons for borrowing," Beiyuan Cangsuke smiled lightly after hearing her review, "You are clearly checking the account, you ask him to answer, get information, judge, and then decide, this is Can’t really do business well.”

"K-K, that's what it says in the system documents, department head. Illegitimate operations will be reprimanded by investigators!" Fujiwara Norika was very puzzled. She also learned this set from the department head.

"Institutional documents are the standard framework for regulating our work processes, not the shackles that imprison our actions. Fujiwara, humans are different from robots. If you can only do things step by step, then what is the meaning of your existence?"

"Processed work, data-based analysis and sorting, just these words, you will eventually be eliminated by the times. Our most powerful weapon is not those cold numbers, but this,"

Kitahara Sosuke smiled and pointed to his heart.

"Everything you ask, even everything you see, he can disguise, deceive, it's just a few exchanges and contacts, it's hard for you to see through the illusion. Therefore, we treat them like we treat them like friends. Guide, so that you can see some human characteristics a little bit.”

"Like President Takeuchi, he knew that it would be easier to borrow if he obeyed me, but he still had to stubbornly transmit his ideas and persistence to me. He was able to refuse transformation in the current environment, develop in multiple directions, and clearly identify himself. Due to the limitations of the company, such a president is rare and reliable."

"I specially paid him to communicate with those staff members to see their true evaluation of him. You think, the interest is something that is actually related to them, and the president of his own invested a lot of money in a company that is not favored by upstream companies. Even so, the staff still have no complaints and are full of hope. It can be seen that President Takeuchi has a strong cohesion and popularity in the company, which is something that is difficult to disguise."

Kitahara Canosuke said a lot, and Fujiwara Norika was taken aback for a while, and she quickly took notes and nodded.

Although the department head's approach today is very strange, it is indeed very effective. It is novel and more human than the previous mode of only following the process.

Of course, there is a more important point, Kitahara Sosuke didn't tell her.

This kind of shock absorption material has a huge future market. If you intervene early, you will be able to get a lot of benefits, and he can also control this future new material giant in the form of holding shares.

Before the bubble economy burst, no industry was comparable to one ten thousandth of the real estate and stock market, and companies that could stick to their hearts during this period were also worthy of his attention and investment.

Norika Fujiwara blushed. The more she thought about it, the more she felt that the head of the department was right. She used to be too rigid in her business.

After all, it is too easy to make loans these days. Banks have money, but companies lack money. Anyway, in the end, they are all used to buy land and buy houses. It is done according to a set of rules and regulations. No one will be as careful as Kitahara Sosuke.

At today's internal meeting, Kitahara Sosuke expressed his attitude, and Fujiwara Norika only felt that he was cautious. The financing amount of the three departments this year was very large, and he did not want to continue to expand, so he would shift the focus of his business.

But looking at it now, the head of the department seems to have other plans, not just changing the business model!
Looking at Sosuke Kitahara who was driving quietly, Norika Fujiwara felt more and more that the head of his family was a bit unfathomable, and he was indeed a senior of Tohoku University!
In Takeuchi Rubber, he was also an admirable bank clerk!

She supported her small head with a pen, happy and frustrated, why are all graduates of Dongda University, and she is so bad.

Seeing Xiao Nizi's bulging cheeks and thinking hard, Kitahara Cangsey secretly laughed in her heart, and it was difficult for her. This little girl was probably completely dizzy by her various operations.

The bursting of the bubble economy must not be talked about now.

Say it, no one will believe it, it's not good, there are still a lot of troubles, why bother yourself.

Not to mention, as her closest subordinate right now, Fujiwara Norika couldn't understand his series of abnormal operations, and only hoped that she could make up her mind to justify it.

When night falls, on the feasting streets, people come and go in high spirits, and the beautiful neon signs illuminate the whole city. When night falls, Osaka seems to wake up and breathe out a prosperous and intoxicating atmosphere.

Back at the sub-branch, it was almost seven o'clock, and the two of them packed up and walked towards the bustling street, blending in with all kinds of crowds.

Kitahara Canosuke took Fujiwara Norika into an izakaya with a slightly smaller family. The decoration of the store is very simple. It is rare to maintain this style in this era.

Basically, other storefronts will be extremely luxurious, highlighting the word "Hao", in order to attract a large number of people to come and spend.

The two sat down, Kitahara Cangsuke ordered a bottle of RB wine, and ordered a lot of yakitori, sashimi, and fried meat. After the wine arrived, Fujiwara Norika immediately took the wine glass and bottle and wanted to pour him wine. , but he declined.

"Don't be so restrained after get off work." Kitahara Cansuke poured a glass for himself, poured it for her, and pushed it in front of her, "This meal is a thank you gift for helping me write a leave application, in the name of a friend."

"Thank, thank you, Head of the Department." Fujiwara Norika couldn't say "Kitahara-san", so she squeezed a sip of wine, still a little nervous.

The RB workplace is strictly hierarchical, and the superiors have absolute control over the subordinates. Some seniors don't treat the juniors as human beings at all, and the juniors can only swallow their anger and resign.

After get off work, Fujiwara Norika always maintains a humble attitude towards Kitahara Canosuke.

"Speaking of which, how did you know about Oshima's snitching in the morning?" Kitahara Canosuke didn't force her to let go.

"Director Lin Yuan told me that we are in the same period, and we have occasional exchanges." Fujiwara Norika whispered, many of her gossips came from other periods, and this was her important source of information.

However, after being preached by Kitahara Canosuke in the morning because of the gossip, she did not dare to mention her source of information.

Kitahara Canosuke snorted, put the empty sign back on the table, and said lightly, "Fujiwara, don't always listen to those gossips. Lin Yuan is the head of the first department. What do you think of his relationship with Oshima?"

"Listen... I heard it's not very good. Chief Oshima is always thinking of changing to an assistant." Fujiwara Norika said, and then realized something, and kicked the front plank with her legs lightly, "This, this , also heard from the same period."

"If the relationship between a department head and his assistants is very bad, the business will be very awkward. Like you, Lin Yuan has been working as a director for almost a year. If the relationship is really bad, he will be transferred long ago." Beiyuan Cangjieqing Laughing, "About the relationship between them, the most I hear is discord, and then Lin Yuan always spreads some series of negative news intentionally or unintentionally, so it makes sense, right?"

"Hmm, eh, Chief, do you mean that they lied to us?" Fujiwara Norika nodded, chewing the fried meat, suddenly startled.

"I lied to you." Kitahara Canosuke resisted the urge to cover his face, "Obviously Oshima hopes to tell you about this through Lin Yuan."

"Tell me, if you tell me, I'll tell the department head secretly, like this." Fujiwara Norika's face suddenly darkened, a little ugly, she's very smart, and it's all right.

In this way, even if there was no conflict before, the department head would be dissatisfied with the department head Oshima. Did they deliberately want the department head to take the initiative to provoke conflicts?
Realizing that he was being used as a gunner, Fujiwara Norika suddenly felt that the fried meat in her mouth was no longer tasty.

"Okay, it's good to understand, you, while maintaining the same period relationship, don't listen to the wind is the rain." Kitahara Cangsuke tapped her forehead with the wooden sign in his hand, "I was really cheated. I can't save you."

Fujiwara Norika's mouth was flat, and she suddenly felt that the bank was very sinister. She thought about picking up another skewer of grilled chicken and biting it hard.

Kitahara Canosuke didn't want to talk too much about these intrigue, he just hoped that his little assistant would pay more attention, lest he be sold and still help people with money, and finally have to redeem it himself.

Next, they ate and drank, and the topic became much more relaxed. After several glasses of wine went down, Fujiwara Norika's cheeks gradually turned red, and her eyes became a little intoxicated.

"Department, department head, what the hell are you doing in the morning~ You don't know, it's hard to make that application for you!"

She spoke with a big tongue, Beiyuan Cangsuke sipped his wine, but he didn't intend to hide her, so he told the truth.

At that time, I also said that when it was sold out, I would invite her to dinner.

"Ah? Chief, you really sold it all!" Fujiwara Norika exclaimed after hearing this!
After she finished speaking, she covered her mouth with her small hand again, and glanced around, only to get closer and confirm it again in a low voice.

"Department chief, are you crazy? That's a house in Tokyo, it's super expensive! And stocks, why did you even sell our bank's?"

"Well, not only that, but the house I live in has also been sold." Kitahara Canosuke couldn't help teasing her looking at her cute, drunken appearance, "This is without any assets and homeless."

"Eh, eh, eh, department head." Fujiwara Norika felt her brain dizzy and couldn't think at all.

What happened in the bank today is nothing compared to selling the property.

"Department head. You should, shouldn't you owe usury!" Fujiwara Norika thought hard and could only come to this conclusion, otherwise it would be impossible to explain why the head of the department would withdraw a lot of cash!
"What nonsense are you talking about, eat quickly, it's time to go after eating." Kitahara Cangsuke was speechless, and lightly poked her small head with the wooden sign in his hand, "If I really owe usury, I can still work in a bank. Is it?"

"That's right." Norika Fujiwara, who was chewing the chicken in her mouth, nodded and had no choice but to vent her doubts on the food in front of her.

Not far behind them, a tall and beautiful figure was leaning against the bar, sipping a wine glass in his hand.

Sakurai Saeko, who also came to this pub for a drink, was in an extremely complicated mood at the moment, her face was calm, but her heart was already turbulent, and it was difficult to calm down.

After get off work, she refused countless entertainments, and came to this relatively quiet izakaya alone to have a drink to dispel her tiredness.

Unexpectedly, I happened to bump into Kitahara Canosuke and Fujiwara Norika here. I was hesitant to say hello. When I heard that Kitahara Canosuke was teaching Fujiwara Norika, and he was talking about some secret topics, it was not easy for her to disturb her. .

Until later, when she heard that Kitahara Sosuke sold all the real estate and stocks under her name, she was completely shocked.

She has been in the banking industry for several years, and the Plaza Accord was not signed when she entered the bank. She happened to have experienced several periods of change and was particularly sensitive to these things.

At the afternoon meeting, Kitahara Sosuke suddenly proposed to change his strategy, and she was a little puzzled. Now I heard that he even sold his own real estate in Tokyo, including the shares of Dongsan, and there was nothing left!
Sakurai Saeko suddenly smelled a terrible smell.

Selling real estate and stocks, even bank shares are unwilling to keep, including the new strategy proposed at the afternoon meeting, other laymen may not see anything, but Sakurai Saeko quickly sorted out the clues and found key clues.

If Kitahara Canosuke is not bragging, or his head is broken, it means that he has a very terrifying judgment, and he has already decided that this judgment is correct!
No wonder he came up with that eccentric transformation idea in the afternoon!

Sakurai Saeko glanced at the direction where they were leaving again with a complicated expression, drank the sake in the cup in one gulp, and let out a long breath. For the first time, she left without waiting for the store to close.

(End of this chapter)