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

Chapter 97 All Be My Workers (33)

Sexual harassment in the workplace is very common in Japan, especially when the whole society is in a state where men are superior to women. Women in the workplace are generally discriminated against and treated unfairly. Male colleagues and male bosses speak out and harass, and even move from time to time.

Naoto Asano took advantage of his position before and didn't know how many female employees he had ruined. He knew that Sakurai Saeko was not small, but he didn't expect her reaction would be so violent.

Looking at it this way, it seems unfeasible to make her obediently submit to her own orders and provide those big men as "tributes".

"Haha, Assistant Sakurai, I'm just making a little joke with you, don't be nervous, don't be nervous." Although he wasn't afraid of being stabbed in the branch, once this kind of thing is exposed, it's easy to die, so it's better to be careful .

This woman will get it sooner or later!
Sakurai Saeko was also afraid for a while. She knew that Naoto Asano had bad intentions for her, but she never thought that he would act so blatantly!
If the two of them are alone one day, what he really wants to do, he really may not be able to resist, he must save some snacks.

Facing the papers that Naoto Asano quickly packed up, countless thoughts flashed through her mind.

Because I have no power and money, and because I am a woman, I have to endure this kind of unfair treatment.

Then go strong, get promoted, make money, and let them have nothing to threaten them anymore!
At this moment, she became more and more determined to do a good job in Inoue Logistics. If she invested 5000 million yen, she wanted ten times, a hundred times the profit, so that these stinky men would never dare to touch her again!
Fujiwara Norika, who followed Kitahara Sosuke to leave the branch, felt that the feeling of suffocation in her heart was finally relieved. She waved her small fists and called Kitahara Sosuke's tone: "Then take back the 10 billion yen from the Yamada group. Ah! If that's the case, then what's the use of us wanting you as the head of the branch?"

"Department head, oh no, section head, you are so handsome! It's really cool to shout like this!"

Norika Fujiwara had been upset with Naoto Asano for a long time. Although the head of the Oshima department was very hateful and had been against the head of the section before, it was quite sad that he was transferred to Shikoku Island just like that.

Sure enough, these bosses are not good things!

It should be like the head of the class and face to face!
"But section chief, are you really going to give up taking home loans to get money back?" Fujiwara Norika leaned over and asked in a low voice, "If you don't lend it back to them, those clubs and investors will definitely not want to repay the loan now. ."

Not long ago, they lost money in the stock market, and now it is not realistic for them to repay the loan with principal and interest.

"Yeah, only a fool would be willing to repay the loan." Kitahara Canosuke opened the car door, got in the car, and then took out a thick dozen documents from the briefcase and threw it to Fujiwara Norika, "As of today, the sub-branch has There are a total of 180 billion confirmed bad debts, of which only 40 billion are from 'bad debt license' customers, and it is not alarmist to reach 300 billion by the end of the year. And these 140 billion eventually flowed to the stock market, of which individual investors accounted for 30% and general clubs accounted for 65% %, only 5% are bad debts due to poor management.”

Fujiwara Norika flipped through the documents he had sorted, and nodded as if a chicken was pecking at rice.

"These customers will never repay the loan at this time, and their only hope now is the final housing market. I believe that their entire net worth should have been invested. What do you think they are thinking now?"

Kitahara Canosuke drove her to Inoue Logistics, and he happened to talk about his next series of plans on the way.

He had already let go of the harsh words in front of Naoto Asano, of course, not talking nonsense. He had a good idea of ​​how to deal with bad debts, how to increase the total business volume, and how to support Inoue logistics.

This is what he plans to do at home these days.

"Want to make a comeback?" Fujiwara Norika frowned, those so-called investors were actually gamblers, and the section chief's judgment was basically correct.

"It's more than a turnaround. If they lose 1 million in the stock market, they hope that the current house price can rise to at least return to capital. After returning to capital, they will hope to rise to fill all the loans. After the loan is flat, they will start to pursue Profits, and with profits, I want to have higher profits!”

"The most terrifying thing about a gambler's psychology is endless greed." Kitahara Cansuke sneered, as if he had seen the end of the group.

"So it's impossible to ask those people to repay the loan. Even if it is enforced, they can still argue with you, unless, as Naoto Asano said, the loan is repaid with the loan, and the bad debts are eliminated on the book. In fact, if the housing market can continue to rise one level in the future In [-], I believe that many people still have the opportunity to leave, but it's a pity"

Kitahara Canosuke did not continue.

The stock market crash was brought forward because Yasushi Mie had brought forward the timing of six interest rate hikes, triggered by the first trigger of the Gulf War.

In this way, the nodes of many important historical events will move forward accordingly, especially the events closely related to the stock market and the Gulf War.

Historically, housing prices began to collapse in 91, and only rose back to 30% of the original peak in the next 46 years. It can be said that since 91, the Japanese housing market has lost any investment value. There is no minimum, only more. Low.

But now
Even if the collapse starts tomorrow, he will not be surprised.

This is also the reason why Kitahara Sosuke directly rejected Naoto Asano's ridiculous business policy. Maybe you leave the loan and the house price will plummet. At that time, the customer, the bank staff and the bank themselves are completely ruined.

The Kitahara family now relies on Kitahara Masao’s position in the financial world, and his status was given by Dongsan. In the past, Dongsan pulled his hips all the way and was forced to merge with Tokyo Foreign Bank, because of the high debt in this period, even his father, Mitsubishi. The consortium is helpless and can only be reborn from the ashes through merger and reorganization.

The high-debt merger led to a weaker voice for the employees of the Tosan faction in the merged Tokyo Daiichi Bank, which lasted until the merger of Tokyo Daiichi Bank and UFJ Bank to form Tokyo Daiichi United Bank.

If things continue like this, even if he goes to the high-rises of Dongchan, Kitahara Sosuke's road will not be wide, so he must bring back the declining Dongsan in these years!
In order to have the right to speak in the core circle, you must first climb up from the bottom.

The Central District branch was his first stepping stone for promotion.

"But if that's the case, what about those bad debts? Nearly 20 billion yen has flowed into the stock market in one lesson." Fujiwara Norika pursed her lips and found that the loan information had already been sorted out in these documents.

The amount of funds flowing to the stock market, and who lent it, was marked by the head of the section.

It turns out that he has been thinking about bad debts these days!

"Fujiwara, why don't we change our thinking? Everyone always thinks about how to deal with bad debts, but our ultimate goal is still to make customers pay back, right? As for how he pays back, what to pay, when to pay, it is the second , as long as he can."

Kitahara Canosuke parked the car in front of the refurbished factory gate of Inoue Logistics. At this time, various container trucks came and went. Kitano Lan stood in the crowd and was very conspicuous in her gorgeous dress. She came to Osaka from Tokyo to handle the express delivery of Inoue Logistics. Business, these days, I live in Cangsei's house in Beiyuan. During the day, I talk about hundreds of millions of business, and I also talk about it at night. I haven't been so busy for a long time.

"This is the lowest bottom line for dealing with bad debts. As long as the other party repays the money, it can even be interest-free. And the answer is here."

Kitahara Canosuke brought Fujiwara Norika to the factory floor and said with a smile.

"here?"

"That's right. The real estate market is crashing, and the worst part is that those people will suddenly face the crisis of bankruptcy, the capital chain will be broken, the club will lose money, the personal debt is extremely high, and they are still carrying loans with a mortgage amount far exceeding the house price itself, and want to repay the money. If it doesn't affect the family, then there is only one way-"

"Life insurance." Kitahara Cangsuke sighed, this is also the most common landscape after the collapse in the future.

Queue to the rooftop, not a joke.

This is Japan's unique personal credit risk control system - life insurance.Borrowers are often required to bid for life insurance that pays for their own death before offering larger, longer-term loans such as home loans, large consumer loans and individual business owner loans.In this way, in the event of an unforeseen incident to the borrower, there is insurance payout available to repay the debt.

The debt is immortal, even at the cost of death. This system makes many borrowers commit suicide to obtain insurance money, in order to leave a house, land or factory for their wives and children to live in.

If you are unwilling to commit suicide, you will usher in personal or social bankruptcy, which is equivalent to completely losing your credit and everything you depend on for a living, leaving only one life.

No matter what kind of ending, it is not what Kitahara Canosuke wants to see.

"But if in addition to life insurance and filing for bankruptcy, there is an opportunity for them to repay their debts, work and live, I believe that most people are willing to live with this hope."

This is how Kitahara Sosuke handles bad debts.

It is not to wait for them to perish naturally, nor to deceive the top management by means of self-deception, but to give them a way to survive, a hope.

The price is just to work for oneself for a lifetime, 996, 007, is better than the whole family sleeping on the street, or committing suicide to get life insurance?
A chill surged into Fujiwara Norika's heart, and for the first time, she felt fear and fear of the social depression that might happen next.

Kitano Lan waited for them to talk, then slowly came up, smiled at Kitahara Canosuke behind him, and talked about the rectification of Inoue Logistics.

These days, she used her hands, feet, and chest, and tried every way she could think of to please Kitahara Sosuke, but this man just refused to break through the last step and held himself tightly.

Maybe next time use some tricks you learned in the bubble shop?When I accidentally slipped in, it was just an accident, wasn't it?

As she thought so, her smile grew even brighter.

(End of this chapter)