The Kyoto Bubble Era: It started with selling off hundreds of millions of property

The morning meeting of the Financing Class 1 was quickly held under the instruction of Kuroda Yu.

The ordinary staff stood neatly in a row at the back. In front of them were the directors of the three departments, each holding a pile of materials and holding their breath. The three department heads sat on the left and right, all focusing on Yu Kuroda, who was at the top.

After not seeing each other for a few days, Kitahara Sosuke felt that the section chief's white hair seemed to have increased. At this age, he managed to reach the position of section chief. Many of Kuroda Yu's contemporaries were successful in various fields, which put him under great pressure.

He put his chin on his hands and glanced at everyone: "Let's get started, everyone."

After the routine data report, the shiny-faced Mitsuo Oshima spoke first: "Section Chief, this weekend, I proposed a new business."

Kuroda Yu nodded slightly and didn't pay much attention.

As the end of the year approaches, the performance in December is extremely important to individuals, departments and branches. It is normal for subordinates to work overtime on weekends.

"This is an operating loan requirement of 500 million yen." Oshima Mitsuo chuckled, deliberately prolonging his voice and slowing down his speaking speed. Behind him, Hayashihara Hibiki distributed several pieces of information to everyone.

"Oh my God, a 500 million yen loan!"

"This must be a big customer!"

The ordinary employees standing in the back exclaimed in low voices that the entire branch could not make a few transactions with this amount in a year.

In just one weekend, Department Chief Oshima actually obtained such a large loan!

"What! 500 million yen?" Kuroda Yu didn't react for a while. After a while, he opened the information and started to review it carefully.

Seeing the words Yamada Real Estate Credit Co., Ltd., Kitahara Sosuke suddenly had a weird smile on his face.

The photo of the lender, President Yo Yamada, is particularly prominent.

"500 million yen" Kitahara Sosuke tapped the table with his fingers. The total value of his three properties was exactly this amount. This guy was really greedy. Not only did he want to get all the houses, he also didn't want to pay for them himself.

Using bank money to buy a house and then waiting for house prices to increase before selling is a naked act of using money from a bank to buy a house.

"As shown in the information, Yamada Real Estate Credit Co., Ltd. was established four years ago. In recent years, the company's profits have been extremely high and it has begun to develop in a new direction. They are high-quality customers of many banks and have cooperated with our Tosan before. , the deposit was registered under the name of Department 1, Department 2, Operations, but because of the stupid behavior of a teller downstairs, this distinguished customer planned to sever the cooperative relationship with us and switch to Sakura Bank."

Oshima Mitsuo talked eloquently. Anyway, the Yamada-gumi is engaged in the loan sharking business. Currently, the assets are strong and the club is booming. It can be whitewashed as you like without going into too much detail.

"Due to the mistake of teller Kyoko Kobayashi, President Yamada withdrew 30 million yen in deposits under his name, and also took away many high-quality customers, including President Yamamoto under Kitahara's name. Ah, that's what happened last time. "

He turned to look at Kitahara Sosuke, the smile in his eyes became even stronger.

"By the way, I heard that Kitahara did not stop them from leaving. Instead, he said that he would use funds in his own name to fill the gap in the second line's savings. Tsk, tsk, 80 million yen. Kitahara got the money from selling his real estate in Osaka. ?”

Kitahara Sosuke was a little curious about how Oshima Mitsuo and Yamada Yang got connected, but since they had an intersection, the latter must have complained about his house selling behavior in front of Oshima Mitsuo, and he must have shown off after getting it.

"Yes, I plan to move to another house. Speaking of which, how did Oshima-senpai know President Yamada? I heard that he was from the Yakuza Club." Kitahara Sosuke sent back a sentence that was neither soft nor hard.

"This is all thanks to President Yamamoto's matchmaking. It would be a pity to give up such a high-quality customer." Oshima Mitsuo did not mention the Tokyo real estate. After all, talking too much would make others suspicious of Yamada Yo's loan purpose. .

Others are still immersed in these explosive information flows. Kitahara Sosuke's sale of the property under his name is also an extremely exciting thing.

At present, the house prices in the six major cities of RB continue to rise. The ordinary employees only regret that they cannot afford to buy. When they heard that Kitahara Sosuke had made a move in advance, they were all shocked and did not know what he was doing.

Oshima Mitsuo squinted at Kitahara Sosuke. He was sure that Kitahara Sosuke would not be a self-destruct truck. Even if he told about the sale of the property, he could not prove that Yamada Yo's funds were used to buy his house.

With the Yamada-gumi's qualifications, this loan will definitely not be stuck. In the end, it was all revealed. It was just the failure of Kitahara Sosuke's real estate speculation that was treated as a laughing stock for everyone to entertain after dinner.

This round is his big victory!

Kuroda Yu is still browsing the information. Judging from the above information, the qualifications of the Yamada group are indeed extremely high and there is no risk at all.

However, the loan amount is too large and cannot be approved at will.

He had a habit of looking up at others to ask for their opinions.

Saeko Sakurai smoothed her hair beside her ears and said in a hollow voice, "I don't approve of this loan."

"Why?!" Oshima Mitsuo didn't expect that the first person to object would be Sakurai Saeko. He straightened up and looked at this woman who had always been cold and arrogant.

Why do I always feel that this woman has been helping Beiyuan deal with me recently.

Can't you close your legs when you see a handsome young man?

He thought viciously, but smiled: "What advice does Chief Sakurai have?"

"Yamada Real Estate Credit Co., Ltd. has a Yakuza background. The so-called transformation is just to put gray business on the table. They have no substantial commercial production capacity at all. The expansion described in the data is all empty talk. I think they suddenly want to do this. The large amount of money will most likely be used to purchase real estate!”

Sakurai Saeko paused and turned to Yamada Yang's credit record.

"President Yo Yamada has a lot of debt and too many properties. His family members are in a similar situation. They are very close to our early warning line."

What she said is reasonable. If the real purpose of the loan is to purchase real estate, then Yamada Yang's risk is still very high.

"But Chief Sakurai, with these 500 million, we will definitely win the best department award again, and the branch will also win the best branch this year." Mitsuo Oshima looked at her, and then said with a leisurely smile, "In fact , I have gone through the special approval process for this loan and submitted it directly to Vice President Kishimoto of the Osaka Branch. The approval message should be issued soon."

He looked at Kitahara Sosuke and Sakurai Saeko proudly. In the last morning meeting, Kitahara Sosuke defeated him, and then proposed his own special financing project plan, which really cost him a lot of face. Now he finally I found my place again, and my mood suddenly became much smoother.

The one with the worst expression was Kuroda Yu.

Now that Vice President Kishimoto has approved it, not to mention him, even Naoto Asano has no right to refuse.

Oshima Mitsuo had bypassed him directly. He was obviously not the section chief yet, but he was overstepping his place over and over again! It happened that he had brought achievements to Vice President Kishimoto, so he couldn't go to the branch to cause trouble.

It took Mitsuo Oshima several years to get through to Vice President Kishimoto. Who would have thought that this big backer would retire next year, so he had to take advantage of him to make more money while he was still powerful?

And with this performance, Vice President Kishimoto’s career path to retirement will also have more highlights. The higher the evaluation at the head office, the higher the treatment he will receive after retirement.

Kithara Sosuke looked at the expressions of several people and thought it was quite ridiculous.

"I still have reservations." Sakurai Saeko upheld her professional ethics, but this matter was not something she could decide. She looked at Kitahara Sosuke, who would probably object.

After all, he predicted the recent drop in housing prices.

Who knew that Kithara Sosuke smiled and said: "I have no objection. In addition, I am planning to take back the 100 million yen loan from Inoue Logistics, and this special thing."

"boom!"

Oshima Mitsuo slammed the table and stood up suddenly, his body like a ball of meat shaking up and down.

The corners of his mouth twitched and he looked unkind: "Beiyuan, do you want to kill our financing class? You finally got a 500 million loan, and you want to take back another 100 million! Are you ready to let everyone's efforts be in vain?"

Before Kuroda Yu expressed his position, Oshima Mitsuo began to reprimand Kitahara Sosuke. He couldn't bear it anymore and snorted coldly.

Oshima Mitsuo then pretended to wake up and quickly bowed to Kuroda Yu: "I'm sorry, section chief, I'm too excited!"

"Yes." Kuroda Yu nodded and looked at Kitahara Sosuke, "Kitahara, tell me your reasons."

This time, even Kuroda Yu was a little angry.

Kitahara Sosuke answered truthfully. He was convinced that Inouehiko planned to go bankrupt and leave the country. If the 100 million was not recovered, the money would be wasted.

Everyone was silent, and then Yu Kuroda shook his head: "Kitahara, your judgment is too hasty. Even if Inoue Logistics makes false accounts and borrows money, as long as he invests money in real estate, he will definitely make a lot of money, and he will definitely repay these loans. not a problem."

"Yes, Kitahara, you are still too young. If you anger President Inoue and he repays the loan and gives up cooperation with us, wouldn't it mean that we lose another high-quality customer? By the way, what's more, is it bankruptcy? To leave the country, you must have proof and cannot make judgments based on thin air. Is your judgment so accurate? Other banks are not fools. Won't they keep a close eye on him and continue to review him? Even if he escapes, we will have time to react. "

Oshima Mitsuo sneered and lectured him in the tone of an old-timer.

"This loan was handled together with President Asano before I was promoted to section chief." Yu Kuroda hesitated for a moment, then whispered, "Kitahara, please think about it carefully."

The meaning of this sentence is very obscure, but most seniors in the workplace can understand it.

This loan involves President Asano's face. If you take back the loan, you are slapping him in the face. As a subordinate, this is an act of seeking death!

Even if it becomes a bad debt, there is still an endorsement limit given by the head office (a certain bad debt limit allowed above, which is generally available in banks), so there is no need to offend President Asano for this.

Kithara Sosuke was silent for a moment, then chuckled.

He didn't expect to reach a consensus within Tosan to immediately recover the money, so he contacted Inoue Momo in case of emergency.

I just hope they won't feel embarrassed when they are slapped in the face by me later.

Fujiwara Norika, who was listening in, was very angry and clenched her fists tightly. She had accompanied the department head throughout the whole process, so she was sure that Inoue Hiko was not a good person!

Even if the money is not taken back, the longer it is delayed, the more unlucky those related parties will be!

Fujiwara Norika understood the intentions of the section chief and the others, but she couldn't accept this approach at all.

Personnel matters are everything, but she can't give up professional ethics for the sake of personnel matters!

However, this time the little girl did not impulsively rise up to refute. The lesson from last time was still vivid in her mind. As long as the department chief did not move, she would not move.

"Then let me take a closer look." Kitahara Sosuke asked Fujiwara Norika to take out the plan for the special financing project and distribute it. This was the highlight of his day.

However, just after sending it out, Oshima Mitsuo sneered: "I object to this plan."