Reborn Tokyo Golden Age.

Chapter 513 Chaos
"3000 billion yen? Are you sure the amount is correct?"

Bai Chuanfeng looked at the loan application form in front of him and almost thought he had made a mistake.

"Hai~" Yuya Arai looked confused.

To be honest, this is the first time in his life that he has seen a personal loan reach this amount.

Originally, theoretically speaking, when encountering such an outrageous personal loan, the Beidu Bank branch should have directly rejected it.

But the difficulty lies in that the loan application is accompanied by a certificate of deposit.

Large loans from banks require collateral of considerable value, which can be shares, various physical assets, or of course deposits in an account.

The deposit certificate provided by the other party is incredible, 3250 billion yen!Official certification from Toyo Shinkin Bank.

Toyo Shinkin Bank belongs to the Sanwa Banking Department and is a truly large consortium.

The deposit certificate issued by them proves its effectiveness beyond doubt.

According to the rules of the banking industry, generally for loans with deposits as collateral, the maximum loan amount can be 90% to 95% of the deposit amount.

Therefore, it seems reasonable to use 3250 billion yen in certificates of deposit to borrow 3000 billion yen.

This is also the reason why Hokuto Bank Osaka Branch does not dare to make the decision. The amount is large, but the procedures seem to be complete.

However, Bai Chuanfeng frowned slightly after reading the information on the loan application form.

Ogami, a native of Kanagawa, currently lives in Osaka Prefecture. Born in 30, graduated from primary school.

I am currently running an izakaya in Osaka. As for the purpose of applying for a loan, the form says to expand the business scale.

What kind of izakaya expansion requires 3000 billion yen in funds, resorts?
Even if you build a new resort, it won't cost 3000 yen, and the entire Shikakusok Resort just cost tens of billions.

Therefore, the reason for expanding the scale of operations is a bit absurd no matter how you look at it.

"Has the authenticity of this certificate of deposit been verified?" Because everything looked weird, Bai Chuanfeng's first reaction was to doubt the authenticity of this certificate.

Living in the extremely weird and abnormal bubble era, he would not be surprised by anything he encounters.

Toyota Corporation's huge fraud case, in which the president was stabbed in public, has just passed.

Therefore, Bai Chuanfeng is now fully wary of all large financial transactions.

However, Arai Yu's answer was beyond his expectation, "Toyo Credit Bank sent a verification receipt, and the deposit certificate is genuine.

Not only that, Kanda-san, the president of Toyo Credit Bank, personally called to prove that Ogami did have such a deposit with them. "

This is interesting. It was the president-san who personally came forward to prove that this Oue-san seems to have an unusual network of connections.

However, no matter what, Bai Chuanfeng was doubtful that a woman who graduated from elementary school could have such a huge amount of savings.

"Has the Osaka branch conducted an on-site inspection of this Eikawa restaurant?"

"Hai" Arai Yu nodded, "The izakaya is not big, but the status of the guests who go there are extraordinary.

From bank executives to corporate executives, you name it.In addition, according to reports from our staff, it is said that this Onoe-san used to specialize in predicting stock market trends, and he always tried his best to predict the stock market.

However, since the stock market crashed, I have now switched to matchmaking to provide financing for others. "

Um?Bai Chuanfeng raised his eyebrows, why did this message seem so familiar?

He tried to think back for a while, and then vaguely remembered that this seemed to be a joke that Ota had told himself.

At that time, it was a critical time for Shirakawa Holdings to acquire Fuji Heavy Industries, and Ohta also met people from Industrial Bank there.

Later, Ota once told Shirakawa Kaede the ridiculous ceremony he participated in as an anecdote.

This can't be such a coincidence, right?

Bai Chuanfeng picked up the phone on the table and dialed a number.

"Ota, it's me..."

Two minutes later, Bai Chuanfeng hung up the phone with a wonderful expression on his face.

Is this really true? Are all liars these days so arrogant?

3000 billion yen, so majestic, and even endorsed by a medium-to-large financial institution?

After learning that the upper seam was the goddess, Bai Chuanfeng already knew that there was definitely something wrong with this loan.

How can a woman who is not engaged in production and only owns a small izakaya have hundreds of billions of assets?

Even getting rich overnight is not that fantasy, and she can now handle hundreds of billions of dollars, so there is no problem in it.

"Arai-san, please decline this loan.

In addition, from now on, Toyo Credit Bank will be blacklisted and we will no longer conduct any transactions with it. "

Although Bai Chuanfeng didn't know what was going on with this certificate of deposit, there was definitely a big problem.

A financial institution that dares to collaborate with an individual to commit fraud is really cowardly.

Once such a financial scandal breaks out, it will definitely be a fatal blow to financial institutions.

If your reputation is damaged and security cannot be guaranteed, which customer would dare to deposit money into such a vault?
"Although we rejected her, Arai-san might as well pay more attention to the Industrial Bank in Kansai in the recent period."

"Eh?" Arai Yu showed a confused look.

Bai Chuanfeng smiled and said, "There will be another good show soon."

He just learned some incredible rumors from Ota's phone call.

Industrial Bank, Bai Chuanfeng's eyes flashed with an indescribable look.

"Kanda-san, it seems that the progress is not going well now?" In Egawa Izakaya, Ogami frowned and felt a little unhappy.

The certificate of deposit provided by Toyo Shinkin Bank did not have the expected effect.

First, the Hokuto Bank headquarters in Tokyo rejected the loan, and now even the nearby Sumitomo Bank has said the same thing.

This made Ogami, who had been increasingly popular among believers during this period, feel very unhappy.

I am the "Ogami-sama" that everyone must respect, and all the big shots treat me with courtesy. Why don't these two banks even look at me?
Ogami, who felt slighted, had already made a mental note of these two banks.

Oh no, forget it Sumitomo Bank.Although Sumitomo-san didn't come here much during this period, he still had to give him face.

"Ogami-sama, please don't worry, Hokuto and Sumitomo are just a small test for us.

Based on your relationship with Kasai-san, I think there will be no problem with Industrial Bank. There is also Fuji Bank. We might as well give it a try later. "

While Ogami was in a bad mood, Kanda was very open-minded.

As for bank loans, each bank’s review threshold is different.Especially if you are not familiar with someone, it is normal to be rejected.

On the other hand, if you have a good relationship with the senior management of the corresponding bank, then getting a loan will be an easy matter.

In fact, it’s no wonder that their first attempt failed because they picked the wrong target.

Needless to say, Beidu Bank, Bai Chuanfeng repeatedly ordered to scrutinize large personal loans.

Isn’t the application for top seam a typical negative teaching material?
As for Sumitomo Bank, which is headquartered in Osaka, others don’t know about her, and Sumitomo, who is the head of the bank, doesn’t know about it?
He had seen the scene of believers worshiping the Toad God. Didn't he see that he had stopped coming to Huichuan Restaurant since the stock market plummeted?

Seeing through the illusion, he even used his tail to wake himself up from time to time.

As for the huge loan?Are you kidding? Do you really think he is taken advantage of?

Besides, Sumitomo Bank itself has been in constant trouble recently.

So what a coincidence, the two objects picked by the tail seam are both of hell difficulty.

However, with Kanda's relief, she regained her confidence.

Yes, based on his relationship with Hexi-san.Is it not easy to apply for a loan with a certificate of deposit in hand?
Thinking of this, Ogami immediately picked up the phone and dialed the other party's number.

"Moxi Moshi? Is this Kawanishi-san? I'm Onoe."

After a few minutes, Ogami hung up the phone reservedly and elegantly.

"How are you, Ogami-sama?" Kanda couldn't help but move closer.

"Kanishi-san said there is no problem with 5000 billion yen."

"Hiss~" Kanda was shocked. Is this Industrial Bank so scary?
Seeing Kanda's expression of worship, Ogami's vanity was greatly satisfied.

Yes, that's the expression.Enthusiasm and admiration are so fascinating.

Tsk, you are indeed a goddess. It seems that your 900 billion yen is stable.

Kanda was so excited that he could not wait to go to Industrial Bank to withdraw money now.

In the next few days, they repeated their old plan and borrowed huge amounts of funds totaling 3000 billion yen from Fuji Bank and Daiichi Bank respectively.

However, in exchange, after receiving the money, Ogami bought another 2700 billion Industrial Bank financial bonds.

Fuji Bank and Daiichi Bank also purchased financial products worth RMB 900 billion and RMB 800 billion respectively.

Of course, Toyo Credit Bank is also indispensable for cooperation. The 900 billion yen previously agreed upon has been received.

Although Ogami seemed to have received a loan of 8000 billion yen, in fact, only 2700 billion yen was actually obtained.

The financial game is far beyond what a woman who graduated from elementary school can understand.

But no matter what, 2700 billion yen is a large amount of money. With this money, Oomi's reputation becomes more and more famous, and more and more people come to see her.

Even under Kanda's instigation, Onoe established a real estate management company and officially entered the real estate industry.

With media reports, Onoe was gradually given various titles such as industrialist, investor, and financier.

This is the neon financial chaos under the bubble.Maybe people in later generations can't imagine such a scene, no matter what, right?
As for why these banks are confident in lending money to Ogami?Except for the certificate of deposit endorsed by Toyo Credit Bank.

The current social background, policy constraints, etc. have all contributed to the situation.

Because the Ministry of Finance restricts bank loans to the real estate industry, if a bank wants to make a profit, of course it must look for other loan businesses.

The first thing the presidents of major banks say when they arrive at the office for meetings every day is, "Who will lend us money?"

Yes, because banks have sufficient money, it becomes a problem to lend money out.

After all, a bank's deposit rate is too high, which is not a good thing for the bank.

So when faced with large loans coming to their doorsteps, big banks such as Industrial Bank and Fuji Bank simply verified the authenticity of the deposit slips and then issued the loans directly.

The so-called review form is a false one, and many people even choose to lend money even though they know there are problems with it.

These are all your own achievements, how can you push your business to other countries?
What's more, because of its good relationship with Ogami Suimo, Industrial Bank directly provided an ultra-high limit that went against common sense.

90% of what certificate of deposit?That's all just rhetoric.

In order to earn more interest, Industrial Bank directly gave 1.6 times the deposit.

The audit status is fictitious, and the bank's top executives do whatever they want.

The collective thunderstorm in the banking industry in the future has already begun to take shape in the 90s.

But this is just a small thing that happened in the banking industry. There are even more outrageous things happening in other big banks.

(End of this chapter)