Rebirth: Japanese investor

   Chapter 43 Workaround

   The total population of the entire RB is 128 million. Among them, people who are good pachinko account for 6% of the total population. This shows how huge the cash flow in the pachinko industry will be.

  It stands to reason that people like them who run Pachinko's shops seem to be able to operate legally while secretly lending money to losers and then turning over the book or something.

   In fact, it is absolutely impossible, that is to break the established rules. In this regard, Masayoshi Kishimoto is very clear that he can't do it like an underground casino.

   After all, the laws of RB stipulate that pachinko is a video game entertainment, and gambling is also illegal in RB at this time.

   It’s just a twist, using the winning small steel **** to automatically count through a specific machine, and then get the card with the number of cards marked. Finally, people take this kind of card to exchange the corresponding cash.

   In the early days, it was not possible to exchange cash directly in the store, but to exchange cash at another related store outside. Now, this one has been loosened, and cash can be exchanged directly in the store.

   Even if Pachinko is legal on the surface, he has a more or less complicated relationship with the gangs on the road.

   The vast majority of the practitioners who run Pachinko are only interested in doing legal and legitimate business, and they are unwilling to have too many connections with people in the arena.

   Just like the most classic lines said by Gu Tianle as the character in the movie "Underworld", it expresses the voice of many people who can't turn back.

  In the beginning, I was selling fruit on the street and was bullied. When I joined the club, I didn’t want to be bullied again. Now, I don't want to be a young and dangerous boy, I just want to do legitimate business.

This involves gambling, involving a lot of money, and everything will not become simple and simple, which is why most countries in the world ban gambling. After all, some public servants and government officials will be involved. of corruption.

  The reason why the pachinko industry transfers the benefit of lending money is to avoid some necessary disputes and conflicts.

  Underground banks, loan sharks... Since ancient times, the industry has been dominated by people from all walks of life. If you borrow money, then go to these businesses, and these businesses are completely illegal.

  The pachinko industry draws a line with them, both to show their legal status and to prove their cooperative attitude with the government.

   Gamblers lose money in Pachinko's shop and become out of money, so they will definitely go to underground banks, loan sharks, etc. to borrow money. When they have money, they will gamble again.

   If you lose, if you have no money, you will borrow again, which forms a so-called "virtuous circle" and achieves a win-win situation for each other. Therefore, everyone is safe and sound.

   At this time, the branch president who fell into silence naturally would not completely believe it because of this side of Kishimoto's words.

  If the other party is really doing an underground bank and usury business, once it is exposed, not only Kishimoto justice, but also together with him, it will be miserable. At that time, he will definitely not be able to continue in the line of Pachinko.

   "If you are short of money, I can lend you some to turn around." The branch president adopted the most insurance strategy, not only taking risks, but also obtaining high loan interest from it.

   Kishimoto Masayoshi did not refuse. He can understand the other party's anxiety. The loan relationship between acquaintances is completely within the scope of normal private lending, and it is completely suspected of damaging the established rules of conduct.

   "It seems that you still can't trust me." After some thought, Kishimoto Masayoshi decided to pierce the thin layer of window paper between the two in order to continue the frank conversation.

   "It's not that I can't believe you, but that you have worked in our industry. Although you are quitting now, there is no guarantee that no one will make trouble.

  Nowadays, you also know that the business of our industry is so hot that many people are jealous but unable to do it.

Why? It just doesn't have a legal license. They can't wait to catch the fault of any of us so that they can take their place. "The branch president said with confidence.

   Kishimoto Masayoshi nodded, realizing that this was true. As far as the current situation is concerned, I am afraid that it is difficult for him to obtain financing from them in the investment method he said earlier.

   After this craze has completely subsided, and it has returned to the dullness of the past, it will become easier to talk about today's content.

  However, when trees move to death, people move to live. What's more, his soul is Chinese, and the Chinese are the most flexible people in the world.

   "How much is the interest?" Masayoshi Kishimoto asked solemnly.

   "First of all, we must abide by the law. Second, I'm not lending usury. Finally, we are a loan relationship between acquaintances, so the annual interest is 36%, or the monthly interest is 3%.

  Interest is settled monthly. In the twelfth month, you pay off the principal and interest. I will only lend you a year at most. "The branch president said matter-of-factly.

   Masayoshi Kishimoto knows that this is the highest private interest under RB's current law. In China now, the bank's loan interest rate of 4 times over the same period is legal interest, not 36%. Twenty years later, China's annual interest rate of up to 36% may also be borrowed from RB.

   "How much can you lend me?" Masayoshi Kishimoto pondered for a while, but he didn't think it was high, but he was pushed to the ceiling of the interest rate of private legal loans.

   In order to minimize its own risk, the other party adopts the method of monthly interest collection, instead of paying the principal and interest together after the expiration of one year.

   Similarly, he did not use the method of equal principal and interest to make a charge. To a certain extent, it is also trust in yourself.

   In other words, the branch president knows that he still has a house in Taito District. After the expiration, if he still does not pay the money, he will take over the house.

   Actually, the other party did not know that he had mortgaged his house to Mitsui Bank in Taito District for two years. Even a monthly interest rate of 3% can make a profit from it.

   The person who really suffers is not himself, but the branch president. His original investment project is to extract a certain percentage of commissions from it, but the other party has adopted the most conservative and primitive way to profit.

   "How much do you want to borrow?" asked the branch president rhetorically.

   "One trillion yen is not too much, and 100 million yen is not too little." At present, Kishimoto Masayoshi belongs to "Han Xin's troops, the more the better."

   The branch president smiled, thinking about the minimum market price of the other party's house. With his right hand facing away, he raised three fingers and said, "Thirty million yen."

   (end of this chapter)